Consumer complaint received 2023-01-28
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke to a representative from XXXXXXXX XXXX XXXX  XXXX while making my appointment to retrieve personal property from the storage lot regarding a claim that Global Lending advised me to file with Loss Prevention pertaining to potential damage to the vehicle and personal residence. She provided me with the above referenced email and informed me to initiate the dialog with this letter after XXXX XXXX told me that did not know what Global Lending was talking about. She also advised me that photos of the vehicle ( inside & out ) will be taken and sent to Global Lending through XXXX XXXX XXXX XXXX. That I can then request and obtain copies from Global Lending. That I was not allowed to photograph my vehicle however during my scheduled and paid for appointment as it would create a liability.

Global Lending also informed me that they did not give the tow company ( XXXX  XXXX ) written authorization to charge me {$75.00} to be paid prior to allowing an appointment to be scheduled to receive my personal property. They said that XXXX XXXX just wants to charge a fee. This is also a violation of my consumer rights. 

XXXXXXXX XXXX XXXXXX/XX/2023 A call was received XXXX XXXXXXXX. This individual was from the claims department and advised me that I was unable to submit a claim until the vehicle was retrieved by me. However, Global Lending advised me on XX/XX/2023 to contact XXXX XXXXXXXX. This representative who called did advise that I could submit a claim pertaining to the damage to the driveway and that her department would have to email me the forms. ( Please refer to your recorded and monitored calls to identify this employee because I did not retain her name. ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I called and spoke to XXXX to provide her with my email address so the forms could be emailed. She now advised that I would need to contact Global Lending and request that they forward XXXX XXXX my paperwork. That they were not in possession of the necessary documents and she could not see my information. 

Please tell me how it is possible that my vehicle was repossessed by a subcontractor your company hired without your company having all the appropriate documents from the lending company? Please also tell me why it is my responsibility as the consumer/debtor to contact Global Lending XXXX XXXX XXXX XXXX and request any documents that should have already been in either recoverys possession, the subcontractors possession and post recoverys possession?

Global Lending accepted a post dated ACH payment from me on XX/XX/2023 to be debited on XX/XX/2023. The vehicle was repossed on XX/XX/20XXXX XXXX XXXX XXXX. 

Was this even a legal repossession? 

There is a pattern of behavior with every individual representing your company of providing either false or misinformation negating your obligations and responsibilities. This is absolutely negligent on your company 's behalf and illegal and in violation of CPA & CFPB rules and regulations from my research. 

PLEASE READ BELOW FOR DETAILS REGARDING A CLAIM OF DAMAGE ON A XXXX XXXX XXXX AND DAMAGE TO MY PERSONAL RESIDENTIAL I AM ATTEMPTING TO SUBMIT : Please be advised that due to the circumstances around the manner in which my vehicle was observed being removed from my property it caused damage to my personal residential property and to the vehicle. This was clear neglect on behalf of the professional assigned to the repossession. 

At XXXXXXXX XXXX I abruptly woke to the loud sound of a horrible dragging, scraping and digging noise directly outside my bedroom window. That window faces the driveway of my house. As I noticed the lights of the tow truck I realized it was him making that horrific and extremely loud noise. I immediately ran and opened my front door and turned on the front porch light. 

I personally witnessed this recovery professional dragging my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( with approximetly XXXX miles and in excellent condition ) UPHILL to the end of my entire driveway then turning left onto XXXX XXXX. This is where his truck and my vehicle came to rest. All XXXX tires were on the ground and unable to rotate. There were orange straps wrapped around the XXXX rear tires and hooked somewhere to the tow truck. 

A XXXX XXXX XXXX professional possesses the proper knowledge to know that this was neglectful and careless. There was no regard for damage caused to the vehicle and damage caused to my personal residence. Power being transmitted to the transmission causes damage as well as the damage to the undercarriage as it scrapped uphill across the pavement. The tow carved actual indentations into the pavement of my driveway; creating piles of concrete dust in various places as the towing professional allowed my vehicle to carve its way off my property so he could satisfy the repossession. 

The towing professional noticed me watching from my porch with my hands thrown up asking what are you doing. Confused about the repossession considering a payment was taken by my lender but in shock and disgust at the careless, neglectful, extremely disruptive and disturbing disservice that he had just provided me. The consumer! The individual with the financial investment in the property that he was damaging. The individual with property that I still have legal rights to resolve and retrieve. The individual with the property that I would still have a financial obligation to pay depending on the course of resolution I am legally obligated and as well as legally bound. 

I would also like compensation for the repairs associated with the damage to my driveway. I will not allow it to be considered insignificant and acceptable destruction of private property that could have been avoided by adhering to better practices. A representative advised that I would need XXXX estimates and a completed for which they would provide. However, that was contradicted by XXXX my last call when I was asked to call Global Lending.

I have numerous photographs of my property for documentation.

Thank you for taking the time to review my complaint/ claim. I look forward to hearing your response and swift resolution to this matter. I will also be exploring what other rights and laws I may have in accordance with this complaint and and claim. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation