Product: Vehicle loan or lease

I am writing to file a formal complaint regarding Global Lending Services based in XXXX, South Carolina, and their aggressive and unjust practices concerning my auto loan account. Despite multiple attempts to resolve these issues directly with the company, they continue to mismanage my account and show a blatant disregard for consumer protection laws. I am extremely dissatisfied with their handling of my auto loan and seek immediate intervention from your office. 

To provide context, I have experienced the following unacceptable issues with Global Lending Services : 1. Incorrect Application of Payments : Despite making regular payments, Global Lending Services has failed to apply my payments properly. This has led to unnecessary fees, incorrect late charges, and damage to my credit score. My attempts to clarify this issue directly with the company have been met with inadequate responses and no resolution.

2. Failure to Follow Loan Agreement Terms : The auto loan agreement clearly outlines the manner in which payments are to be applied. However, the company has disregarded these terms, leaving me in a position where I am being penalized for their internal errors. This is a direct breach of contract and an unfair business practice.

3. Inadequate Customer Service : When reaching out to Global Lending Services, I have been subjected to dismissive responses, delays, and insufficient assistance. It is clear that the company has no interest in resolving these issues in a timely and professional manner. Their lack of customer support and failure to acknowledge my legitimate concerns is egregious.

4. Potential Violations of Consumer Protection Laws : In light of their actions, I believe Global Lending Services may be in violation of several consumer protection laws, including the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Their misapplication of payments and failure to properly disclose and apply terms are likely causing significant harm, both financially and personally.

Given these circumstances, I demand immediate action and resolution from both Global Lending Services and the Consumer Financial Protection Bureau. Specifically, I am requesting the following : A full audit of my account to ensure that all payments have been applied correctly and fairly, with any discrepancies resolved immediately.

Reimbursement of any unjust fees or penalties caused by their mismanagement.

A formal correction of any inaccurate credit reporting resulting from their mishandling of my payments.

Immediate steps to ensure that Global Lending Services complies with all applicable consumer protection laws going forward.

If my complaint is not addressed promptly, I will not hesitate to pursue further legal action against Global Lending Services for breach of contract, violations of consumer rights, and damages resulting from their misconduct. I trust the CFPB will take swift action to investigate these serious allegations and hold this company accountable for its actions. 

Please acknowledge receipt of this letter and inform me of the next steps in this process. I expect to hear from you within 14 days regarding this matter