Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/23/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I been a client with GLOBAL LENDING SERVICES , for like 3 years , as they financing my vehicle. In December of the past year my car was involved in an accident, and a file my claim with my insurance company. Like 2 weeks after they sent me a check for 3044.34, in the check it was my self , my wife and Global lending, so we sign the check and we send it to Global lending, with all the information from the body shop, because they will send the check to the body shop not to me. I did what they ask me, I have proof that I sent the check ( UPS RECEIPT). And I don’t know what they did with the check , but they never send it to the body shop. The car is ready to go, but they can release the car if the payment is not made. I’m tired , of calling Global with diferent persons from different departments and NOBODY KNOWS ANYTHING…. I don’t understand if the body shop call global in different times asking for supplements in money so the car can get done, they never sent back the check. The Manager from the body shop told me that he has a copy of the check that it was cashed by Global lending, I will ask for a copy as well. It’s not the first time that I have issues with GLOBAL LENDING, I feel that they don’t have a clear way to do THE RIGHT THINGS. My claim number is ******. Thank you much in advance. **** * ******.

  

  Business Response

  Date: 04/17/2023

  March 30, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: **** ******
  Account No.: **********
  BBB No.: ********
  
  This letter is in response to the inquiry Mr. ****** filed with the Better Business Bureau (“BBB”) dated March 22,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On February 6, 2019, Mr. ****** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2017 **** ****** from ******* **** ****. GLS was assigned the Contract. Per
  the Contract, payments of $499.29 are due to GLS on the 23rd of each month.
  
  On December 19, 2022, Mr. ****** contacted GLS stating that he was involved in an accident and that he would be
  sending a two-party check from his insurance company to cover vehicle repairs.
  
  On December 30, 2022, GLS received the check in the amount of $3,044.34. On the same day, he was advised that
  we would need a final invoice for the vehicle repairs and before and after photos of the vehicle. This information
  was sent to his email on this day and again on January 4, 2023.
  
  Between the dates of January 5, 2023, and March 21, 2023, GLS did not receive the requested information needed
  for us to complete the partial loss process necessary to pay the body shop for the repairs, which led to the delay.
  Additionally, GLS does not have record that he contacted GLS regarding this matter until March 22, 2023.
  
  On March 22, 2023, after Mr. ****** contacted GLS, he was advised that the above-referenced documents were still
  needed to send the check to the body shop.
  
  On March 23, 2023, GLS received the repair bill and photos of the vehicle after repair. On March 27, 2023, GLS
  received the before photos of the vehicle. On the same day, GLS sent the check to the body shop to cover the vehicle
  repairs.
  
  As of March 28, 2022, GLS confirmed with the body shop that the vehicle is now ready to be picked up. We apologize
  for any confusion caused to him regarding the process, but we hope this resolves his immediate concerns.
  
  As of today, the account is past due for his March 2023 invoice in the amount of $498.58. We encourage him to
  complete a payment at his earliest convenience.
  
  Please note, the GLS Escalations Team has contacted him regarding his concerns, but if he has any additional
  questions, he may contact the Escalations Team directly at ************.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator

• Initial Complaint

  Date:03/23/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My vehicle was financed with global lending services and I had a accident on 12/24/2023 that was a total loss. I also had gap insurance coverage which they incorporated into part of my auto loan contract. My insurance company made payment to global lending services for the actual cash value of the vehicle and yet global dining services continue to ask me to make car payments in the duration and still. Gap insurance is supposed to pay the difference between the amount actual cash value of a vehicle after a total loss and what is owned on the loan therefore they should not have been asking for any more car payments or assessing late fees after the loss occurred because that's what gap insurance is for. Asking customers to continue payments negates the whole reason for gap insurance it's unethical and it's greedy. My car was how I made my living and now I don't have a car so I'm not able to pay the balance all at once as they arenrequesting. I will make payments as I'm able. However, their incessant calling me and sending me letters which which basically equates to harassment is unnecessary. And as I said previously, once a car accident occurs and then the insurance company has deemed it a total loss and there is gap insurance, global lending services should not have asked me or any other customers to continue the payments.

  Customer Answer

  Date: 04/11/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
   Since I had Gap coverage and the purpose of which is to pay the difference between the amount that the insurance company pays for the total loss and the amount remaining on the loan, global lending services should have halted any payments due as of 12)25/22, the day after my loss. Had they done that, then the gap insurance would have paid the complete balance due on the loan but because of their their greed and unethical practice of  requiring payments from customers after a total loss, even when gap insurance is included, they're not going to get the money that they are requesting when they want it, because I have no way to make money because my vehicle was a total loss and that's how I made my living. The whole idea of asking people to make payments after a total loss when Gap coverage is on the contract is unethical and I believe illegal. It negates the whole reason for having gap insurance in the first place.

  Regards,
  
  ***** *****

  Customer Answer

  Date: 04/20/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  There overall business practice of continuing to require payments after a total loss when there is GAP insurance is unethical and Illegal.Judt because they say it is their procedure doesn't make it right.  You don't need to pass this on to GLS (they don't think there is a problem).  Look at the number of complaints against this company and please assist in doing something about it. .

   

  
  Regards,
  
  ***** *****

  

  Business Response

  Date: 04/24/2023

  April 7, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ***** *****
  Account No.: xxxxxx****
  BBB No.: ********
  
  This letter is in response to the inquiry Mr. ***** filed with the Better Business Bureau (“BBB”) dated March 22,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate his business. On October 8, 2021, Mr. ***** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2019 Nissan Kicks from ***** ****** *********. Per the Contract, payments of
  $465.35 are due to GLS on the 22nd of each month.
  
  Please note, per the Contract, the account will remain active until GLS receives payment in full. The fact that the
  vehicle was in total loss, does not change the repayment terms per the Contract.
  
  Our review determined GLS followed correct procedure related to the total loss. Because the total funds received
  from his insurance products did not cover the balance, he now owes the remainder. GLS clearly communicated to
  him that he was required to continue to make payments towards his monthly invoices during the interim of the total
  loss claim process. Additionally, the interest and fees accrued in the interim of the total loss claim are valid per his
  Contract with GLS.
  
  On December 15, 2022, GLS received a payment which satisfied his November 2022 invoice. This was the last
  payment received from him.
  
  On December 24, 2022, the vehicle was involved in a collision which resulted in a total loss.
  
  On January 10, 2023, GLS sent Mr. ***** a letter (enclosed) which advised him that he was responsible for payments
  as usual during the total loss claims process.
  
  On January 19, 2023, GLS received a payment in the amount of $18,191.93 from ******** Insurance Company,
  
  On March 3, 2023, GLS received a payment in the amount of $180.65 from ******** ******** Corporation, his GAP
  Provider. Please note, GAP Providers may not cover accrued interest due to late or extended payments and accrued
  interest after the date of loss, and late fees. If he disputes the amount his GAP Provider issued to GLS, we encourage
  him to contact the GAP Provider directly, or request an additional explanation as to how they calculated the claim.
  
  On March 9, 2023, GLS received a payment in the amount of $748.27 from ***** ****** *********, his vehicle
  warranty provider. This was the pro-rated rebate due to the cancellation of the vehicle service warranty product.
  
  On the same day, GLS closed the total loss claim. However, due to the remaining balance owed, the account remains
  active and continues to accrue interest and fees per the Contract.
  
  As a courtesy, GLS waived a late fee in the amount of $22.75 based on his concerns addressed in his inquiry. However,
  our review determined that the fees are valid.
  
  The remaining pay off balance as of today’s date is $1,729.50. We encourage him to complete payment at his earliest
  
  convenience as the account is scheduled to charge off at the end of April 2023.
  
  Based on the request in his inquiry, GLS has coded his account so that he will receive no further calls from us. Please
  note that this designation may result in him not receiving important account-related information. If he would like
  to have this designation removed, please contact us at 866-********.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  
  Enclosure(s): Retail Installment Sales Contract, Payment History, Total Loss Letter

  

  Business Response

  Date: 04/24/2023

  April 20, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  Re: ***** *****
  Account No.: xxxxxx****
  BBB No.: ********
  
  This letter is in response to the inquiry Mr. ***** filed with the Better Business Bureau (“BBB”) dated April 11, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing his additional issues to our attention.
  
  Please note, per the Contract, the account will remain active until GLS receives payment in full. The fact that the
  vehicle was involved in a total loss, does not change the repayment terms per the Contract.
  
  Our review determined GLS followed correct procedure related to the total loss claim. The total funds received from
  his insurance products did not cover the balance. Our review determined GLS communicated to him on multiple
  occasions via various channels that he was required to continue to complete monthly payments as usual per the
  installment schedule during the interim of the total loss claim process. Additionally, the interest and fees accrued
  are valid per his Contract with GLS.
  
  While we appreciate his additional feedback; we consider this matter closed. If he disputes the amount that his GAP
  Provider paid GLS for the claim, we encourage him to contact them directly. GAP providers in general will not cover
  interest and fees accrued due to missed payments.
  
  The remaining payoff balance as of today is $1,634.45. We encourage him to complete payment at his earliest
  convenience as the account is scheduled to charge off at the end of April 2023.
  
  GLS sincerely appreciates his feedback. If Mr. ***** has any additional questions, we can be reached at 866-**** *****
  
  
  Thank you,
  
  
  Shannon G********
  Senior Consumer Complaints Coordinator

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Normally, I don’t write reviews. Because people tend to only leave reviews when they can’t get their way. However GLS dropped the ball this time. My car payment IS LATE. That’s on me. However I doubled the payment. Their employee neglected to tell me they needed one more payment. Now I’m days before my payday and they are threatening to repossess my care because “the agent you spoke to in February should have told you we needed one more payment. I don’t know why she didn’t tell you. Her not telling you caused all of this”. Only for them to say oh well borrow money cuz we already paid for them to take the car so good luck. This review is for a company who drops the ball them blames the customer. That’s weird. The active repossession needs to be removed since your employee said I was good and didn’t inform me one more payment was needed. She actually told me I was good to go no way back on repo list if I pay $1000 every month like I said. I paid $1000 February 23 and on February 23 no one said pay more. And I get paid in a little over a week and have scheduled to pay $1000 then. I need this active repo removed because GLS didn’t inform the customer of what the computer told them to tell me. According to the supervisors the computer told them to tell me February 23 but NO ONE DID

  Customer Answer

  Date: 03/29/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Regards,
  
  Lolita C********

   

  i do not agree as GLS said on a recorded line they see where the agent FAILED to inform me to pay a few hundred dollars more in February. Therefore GLS failed their customer then blamed the customer. The agent said repo was canceled and everything was good and hours later it’s back on the repo list? Y’all lied

  

  Business Response

  Date: 05/31/2023

  March 29, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ****** *********
  Account No.: ***********
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. ********* filed with the Better Business Bureau (“BBB”) dated March 17,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On March 23, 2022, Ms. ********* entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a **** *** * ****** from ** *** ****** *****. Per the Contract, payments of
  $465.35 are due to GLS on the 22nd of each month.
  
  On February 9, 2023, GLS assigned the vehicle out for repossession as her account was past due for her October
  2022, November 2022, and January 2023 invoices.
  
  On February 23, 2023, Ms. ********* completed a $1000 payment which satisfied her October and November 2022
  invoices. On the same day, a GLS agent advised her that the repossession order had been cancelled. The agent also
  advised that the total amount due after the payment was made is $1,513.45 and her next payment due date is
  scheduled for March 22, 2023. We apologize as the agent should have communicated clearly that the vehicle was
  still at risk for repossession if the payments past due were not timely satisfied.
  
  On March 15, 2023, GLS assigned the vehicle out for repossession again as the account was past due for her
  December 2022, January 2023, and February 2023 invoices.
  
  On March 17, 2023, as a courtesy based on her concerns regarding the repossession status, GLS advised that if she
  completed a monthly payment of $400.00, she could receive a 3-month extension to assist her with payments.
  
  On March 21, 2023, Ms. ********* completed a payment of $400 to satisfy her December 2022 invoice. On the
  same day, she was approved for a 3-month extension for her January, February, and March 2023 invoices.
  
  We have reviewed her concerns and determined that the GLS agents followed procedure and provided her with
  correct information.
  
  As of today, the account is current, and her next payment due date is April 22, 2023.
  
  GLS sincerely appreciates her feedback. If she has any questions, we can be reached at ************.
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was late for my January car payment. Feb 16th I made my Jan payment over the phone with an agent plus requested to pay the late fee charge of $24.39. On Feb 23rd I made my Feb car payment. They have previously told me there is no late charge within 10 days of the due date for car payment. I went to go pay my march car payment early and noticed there was a late fee charge. I called them and they told me I need to request to make the late fee payment, which I told them I did. They proceeded to tell me that I did NOT request to pay any late fee charge. That I made an additional payment for my car payment for the following month. But I specifically stated on the call I wanted the late fee paid as well. Refused to go back and listen to the call and only reviewed the online account. Refused to have me speak to any supervisor, waited on the line 20 minutes waiting. I have attached a screen shot of the payment history where you do see where I made a separate payment for the late fee!

  Customer Answer

  Date: 04/04/2023

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** *******

  

  Business Response

  Date: 04/04/2023

  April 3, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  Re: ***** *******
  **** ***** Rd Apt ***
  ********, IL 61081
  
  Account No.: xxxxxx****
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. ******* filed with the Better Business Bureau (“BBB”) dated March 17,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On March 5, 2022, Ms. ******* entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2015 Ford Edge from ***** County Ford Lincoln. Per the Contract, payments of
  $487.76 are due to GLS on the 19th of each month. Per her Contract, if payment is not completed within 10 days,
  GLS may assess a late fee.
  
  On January 30, 2023, GLS assessed a late fee of $24.39 to the account, as the January 2023 invoice was over 10 days
  past due.
  
  On February 16, 2023, Ms. ******* completed a payment over the phone in the amount of $512.15. This payment
  satisfied her past due January 2023 invoice. She requested that $24.39 of this payment be applied to her existing
  late fee balance. Due to an agent error, the $24.39 was incorrectly applied to her February 2023 invoice, which was
  due on the 19th, instead of the late fee balance as requested. We sincerely apologize for this error, which led to the
  confusion related within her BBB inquiry. We have ensured the agent understands GLS’s systems and understands
  the importance of honoring customer’s requests.
  
  Due to the error, and as a courtesy, GLS has waived the late fee from the account, and the late fee balance is now
  $0. We hope this resolves her immediate concerns.
  
  
  As of today, her account is up to date, and the next invoice is due April 19, 2023.
  
  
  GLS sincerely appreciates her feedback. If she has any questions, we can be reached at 866-********.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  
  Enclosures: Retail Installment Sales Contract

• Initial Complaint

  Date:03/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I have been making my car payments and they are trying to tell me that I am 2 months behind which I am not I did get behind in January because of a job loss but I have caught back up on it they are trying to tell me the I still owe for February when I don’t I just owe for March and the customer service representatives are rude and they need to go back to class on how to speak to people on the phone this company is not a good financial company to do business with because they try to get more money from you then what you really owe

  

  Business Response

  Date: 03/28/2023

  March 23, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  Re: ****** ****
  Account No.: xxxxxx****
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. **** filed with the Better Business Bureau (“BBB”) dated March 16, 2023.
  Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On September 18, 2021, Ms. **** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2016 Buick Verano from ****** Chevrolet Inc. Per the Contract, payments of
  $493.83 are due to GLS on the 2nd of each month.
  
  On January 24, 2023, Ms. **** scheduled a payment of $217.66 to satisfy her December 2022 invoice. Our records
  indicate that on January 27th, the payment failed.
  
  On February 15, 2023, she completed payment for $67 to satisfy her December 2022 invoice.
  
  On March 3, 2023, GLS contacted Ms. **** regarding her account balance and on this call, a payment of $340 was
  processed to satisfy her January 2023 invoice.
  
  On March 9, 2023, the $340 payment reversed due to insufficient funds. On the same day, Ms. **** completed a
  payment of $365.00 that satisfied her January invoice.
  
  We have reviewed her concerns and determined that due to the reversed payment, the payment completed on
  March 9th did not satisfy her February 2023 invoice as she intended. A 12-month Payment Pattern has been enclosed
  for her records, along with a full Payment History.
  
  As of today, the account is past due for her February and March 2023 invoices in the amount of $962.15. We
  encourage her to complete a payment at her earliest convenience.
  
  Please note, the GLS Escalations Team has been in contact with Ms. **** regarding her concerns. If she has any
  additional questions, she may contact the Escalations Team directly at 877-********.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  
  Enclosure(s): 12-Month Payment Pattern, Payment History

• Initial Complaint

  Date:03/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is a criminal element I've hired a attorney on March 1,2023. I am being charged $1600.00 monthly. When my auto fianance contract is clearly stated at $732.00 monthly. I would like being a **** ******* the inscenent phine calls and voice-mail to stop. I have paid $2500.00 in payments since January 1,2023. Their payment portal is very glitchy and there are other customers with the same outcome. Something must be done about their predatory sub-prime tactics.

  

  Business Response

  Date: 04/14/2023

  April 3, 2023 
  
  Submitted electronically via BBB Portal 
  Attention: Cindy R***** 
  
  Re:  ******** ******** 
  Account No.: ********** 
  BBB No.: ******** 
  
  This letter is in response to the inquiry Mr. ******** filed with the Better Business Bureau (“BBB”) dated March 16, 
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.   
  
  We  appreciate  his  business.  On  July  29,  2022,  Mr.  ********  entered  into  a  Retail  Installment  Sales  Contract 
  (“Contract”)  for  the  purchase  of  a  2020  ******  **********  from  Jim  B****  ******.  Per  the  Contract  (enclosed), 
  payments of $736.16 are due to GLS on the 12th of each month. 
  
  We  have  reviewed  his  concerns  and  confirmed  that  his  monthly  payments  are  $736.16  per  month.  GLS  is  not 
  charging him $1,600.00 for his monthly payments as stated within the BBB inquiry. We understand that GLS’s online 
  customer portal (“GLS Portal”) indicates his total past due payments owed, which may have caused his concern as 
  the total amount past due previously was over $1600.  
  
  We are sorry to hear he is experiencing technical issues with the GLS Portal. We have found no recent reported 
  technical incidents, but if he has any detailed information related to his experience(s), we encourage him to provide 
  that  information  to  the  GLS  Escalations  Team  via  phone  at  ************.  Further  the  GLS  Escalations  team 
  attempted to contact him to request additional information but was unable to reach him. If he experiences any 
  issues on the GLS Portal in future, he can contact ************ directly for assistance.  
  
  Based on his request, GLS has coded the account so that he will receive no further calls from us.  Please note, this 
  designation may result in him not receiving important account-related information.  If he would like to have this 
  designation removed, he may contact us at ************. 
  
  As of today, the account is past due for his March 2023 invoice in the amount of $703.12.  We encourage him to 
  complete a payment at his earliest convenience. 
  
  We hope this resolves his immediate concerns. If he has any additional questions or would like to provide us with 
  his attorney’s contact information, he may contact the Escalations Team directly at the number above referenced. 
  
  GLS sincerely appreciates his feedback.   
  
  
  Thank you, 
  
  Chelsea P***** 
  Senior Consumer Complaints Coordinator 

• Initial Complaint

  Date:03/15/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a 30,000 car payment from 2016 that is down to 4,000 almost paid off. All of a sudden I am having problems with this company. I paid my February payment on time before the due date and they reported me to the credit bureau as 30 days. Tried to contact them at the customer service number but as soon as I put in my ssn it sends me to a national bankruptcy number and they says they can’t help me. I called all the numbers given but as soon as I put my ssn in I get no help. How am I supposed to pay off the loan? My payments were never late,, everything is updated. So if you get a loan from them and you almost finished paying it off you are useless then, you won’t bring in that interest rate to them anymore. This company sends me straight to bankruptcy saying I filed for bankruptcy last month. I think they got me mixed up or playing games, because I can’t contact them I have to call some bankruptcy number. This is not fair reporting. I have never filed bankruptcy, and payments were never late. Global Lending needs to practice fair reporting and stop the games. Has me down like am some mistaken identity

  

  Business Response

  Date: 03/28/2023

  March 23, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ******* ******
  Account No.: xxxxxx****
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. ****** filed with the Better Business Bureau (“BBB”) dated March 15,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On May 14, 2016, Ms. ****** entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2013 Mercedes Benz C-Class from ************* of ********. Per the Contract,
  payments of $642.58 were due to GLS on the 25th of each month.
  
  The final payment date to pay the account in full was originally June 13, 2022. Over the course of the Contract, this
  date was extended to January 25, 2023, because of the monthly payment extensions requested on the account.
  
  On January 10, 2023, GLS sent Ms. ****** the final monthly payment statement which advised that she owed
  $6,643.88 by January 25, 2023.
  
  On January 25, 2023, her Contract reached the final payment date, and the entire balance became due immediately.
  On February 22, 2023, GLS advised her over the phone that the account had reached the final end of term and that
  her entire balance is now due.
  
  On the same day, her account was incorrectly updated to reflect a Bankruptcy status. Our records indicate that this
  was done in error and has been timely corrected. We sincerely apologize for the inconvenience and confusion this
  caused her. We have confirmed that this status is not reflected on her credit report.
  
  We appreciate the payments she completed since her Contract’s final payment date. While those payments are
  important to avoid potential repossession assignment, they did not satisfy the remaining balance now immediately
  owed per her Contract. Until the remaining balance is satisfied in full, GLS will continue to report the account as late
  to the credit bureaus.
  
  Please note, GLS will charge off the account if she does not pay the account balance by May 25, 2023.
  
  We have confirmed that GLS is reporting the account accurately to the credit bureaus.
  
  As of today, the balance owed is $5,536.33. We encourage her to pay off the balance as soon as possible.
  Maintaining her monthly payments will help her to avoid repossession assignment, but will not resolve the payment
  status delinquency reported, including charge-off status.
  
  Please note, the GLS Escalations Team has contacted Ms. ****** regarding her concerns. If she has any additional
  questions, she may contact the Escalations Team directly at 877-********.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator
  
  Enclosure(s): Retail Installment Sales Contract, Payment History

• Initial Complaint

  Date:03/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There are two fraudulent inquiries being reported by Global Lending Service to my Experian credit report. They are dated 12/22/2021 and 12/05/2021. I mailed an FTC fraud report to this company and the inquiries have still not been removed nor has the company responded. These unauthorized inquiries are harming my credit score and preventing me from getting the best rates available. Cease reporting these unauthorized inquiries on my credit report.

  

  Business Response

  Date: 04/14/2023

  March 23, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re:
  Account No.: xxxx*** and xxxx***
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. ***** filed with the Better Business Bureau (“BBB”) dated March 12,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On December 5, 2021, GLS received her financing application from ***** (AZ), and on
  December 22, 2021, GLS received her financing application from ***** (TX) and on both occasions, obtained a copy
  of her credit bureau reports as part of the credit application process.
  
  Due to her inquiry which stated these credit applications were unauthorized by her, we have enclosed the Credit
  Inquiry Request Removal form for her to complete and return to GLS. Please find the enclosed form for further
  instructions.
  
  Once GLS receives the completed form, her request will be submitted to the applicable credit bureau(s) within 15
  days of receipt.
  
  If she has any additional questions, please have her contact us at 866-********.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  Shannon G********
  Senior Consumer Complaints Coordinator
  
  Enclosure(s): Credit Inquiry Request Removal Form

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On December 18, 2022, my car was in an accident and was totaled my finance company is Global Lending Services LLC, and my insurance company paid their part very quickly, my *** insurance was just paid on February 21.2023. Global lending saying I owe interest of 700 dollars this is not right or fair this is causing stress I gave all documents necessary so they would get paid, at this point I like to talk to the president of the company warm regards ****** ******* acct#***********

  

  Business Response

  Date: 03/30/2023

  March 16, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: ****** *******
  Account No.: **********
  BBB No.: ********
  
  This letter is in response to the inquiry Ms. ******* filed with the Better Business Bureau (“BBB”) dated March 7,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing her issue to our attention.
  
  We appreciate her business. On April 28, 2022, Ms. ******* entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2017 *** ******** from ******* **** Per the Contract, payments of $515.19 are
  due to GLS on the 12th of each month.
  
  On or around December 21, 2022, Ms. ********* vehicle was involved in a collision that resulted in a total loss.
  
  On December 22, 2022, GLS sent her the Total Loss Letter. This letter states that the fact that her vehicle was a total
  loss does not change her Contract’s repayment terms and that she is still required to make payment to GLS until the
  account is paid in full.
  
  On November 10, 2022, GLS received her payment of $515.19 which satisfied her November 2022 invoice. This is
  the last full payment GLS received from her. The monthly invoices continued to generate because her account
  remained open during the total loss claim process.
  
  On January 3, 2023, GLS received a check from **** *********, her insurance provider in the amount of $12,158.95.
  This was applied to the principal balance on the account.
  
  On February 3, 2023, GLS received a check from **********, her Warranty provider, in the amount of $51.75.
  
  On March 3, 2023, GLS received a check from ******** *********, her *** Insurance provider in the amount of
  $4,453.65.
  
  We have reviewed her concerns and determined that the account balance is correct. GLS will not waive the
  remaining balance. Please note, *** providers generally do not issue payment for past due invoices, late charges,
  and accrued interest that occurs due to non-payment. We encourage her to contact the *** provider directly if she
  has further concerns.
  
  As of today, Ms. ********* account is past due for her December 2022 – March 2023 invoices and the current payoff
  amount is $723.33. We encourage her to complete a payment at her earliest convenience.
  
  Additionally, the GLS Escalations Team has been in contact with Ms. ******* regarding her concerns. If she has any
  additional questions, she may contact the Escalations Team directly at ***********1.
  
  GLS sincerely appreciates her feedback.
  
  
  Thank you,
  
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator

• Initial Complaint

  Date:03/06/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Vehicle was paid off 5/23/2022, still awaiting Lien Release. Contacted on 12/28/2022 to request the lien release to my vehicle. Gave the representative my correct address, which is ***** ***** ******* ** *** ** *********** ** *****, account number which is **********, and the VIN to my vehicle which is *****************. Today is 3/3/23, so over 2 months have passed, and I still do not have the lien release to my car.

  

  Business Response

  Date: 03/30/2023

  March 16, 2023
  
  Submitted electronically via BBB Portal
  Attention: Cindy R*****
  
  Re: **** *******
  Account No.: **********
  BBB No.: ********
  
  This letter is in response to the inquiry Mr. ******* filed with the Better Business Bureau (“BBB”) dated March 3,
  2023. Global Lending Services LLC (“GLS”) appreciates you bringing his issue to our attention.
  
  We appreciate his business. On October 24, 2020, Mr. ******* entered into a Retail Installment Sales Contract
  (“Contract”) for the purchase of a 2020 **** ****** from ****** ****. Per the Contract, payments of $692.93 were
  due to GLS on the 8th of each month.
  
  On May 23, 2022, GLS received a payment of $41.45 that paid the account in full. We thank him for this payment.
  
  On May 25, 2022, GLS sent the lien release to Mr. ******* at the address listed on the account.
  
  On December 30, 2022, Mr. ******* contacted GLS stating he never received the lien release and on this call, he
  provided the GLS agent with his updated address. Mr. ******* was advised that he would receive his lien release
  in 3-5 business days.
  
  We have reviewed his concerns and confirmed that the agent Mr. ******* spoke to on December 30th did not update
  his address or submit the request for the lien release. We apologize for the inconvenience; the situation has been
  brought to management’s attention and the agent will be coaching accordingly.
  
  The GLS Escalations Team has attempted to contact him regarding his concerns and to confirm the correct address
  to send the lien release but has been unable to reach him. Please note, the zip code included within the address
  provided in his BBB inquiry appears to be incorrect.
  
  We encourage Mr. ******* to contact the Escalations Team at his earliest convenience so we may confirm that the
  lien release is sent to the correct address and confirm the zip code. The Escalations Team can be contacted directly
  at ************.
  
  GLS sincerely appreciates his feedback.
  
  
  Thank you,
  
  Chelsea P*****
  Senior Consumer Complaints Coordinator