Consumer complaint received 2020-10-01
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX Alabama. After the purchase three weeks later I was contacted from the finance company which is Global Lending informing me that they had worked it out to where I could get the car. I then informed them that I already had the car and they were confused so they said they would call me back so they called the dealership once they spoken with the dealership play said the dealership had dropped the ball and that my payments would be lowered {$100.00} due to their negligence then they told me that I would have to sign a new contract my original contract had my gap insurance due to that fact I was working in a retail store and could not leave work which was always made very clear from the day one of the purchase so with that being said they sent someone to my job to have me sign a new contract informing me that only thing changed was my payment due to the negligence of the car dealership well I had a lot of people and all I asked was the only thing changed on here is the car payment so I signed it not knowing that they had taken out my gap insurance I was then hit by an XXXX and after that fact I had for about a year had already been been trying to get that new contract from the dealership I talked to leave the owner countless times and I had to have date and all of that available also this was at no fault of mine due to this wreck it has just diminished my whole life is messed up everything anyway with that being said I contacted Global Lending and let them know as soon as the wreck that happened and then they kept trying to get in touch with the dealership I was been informed that no gap insurance was ever honored and that I would have to take it up with the dealership so that left me XXXX and then on top of that the payoff that was sent to me in paper on a bill like 4-5 months later stated my car pay office only XXXX XXXX and something well once I had wheeled and dealed with the finance company I mean Liberty Mutual who was responsible for hitting me day in and day out from XXXX up to XXXX and something they told me that I still owed {$430.00} well then I told them I would take them to court because that is not what the quote stated on my papers also I never could get my gap insurance honored on top of all of that they tacked on Mini late fees and put me through a lot of hardship then once I told them I would be taking them to court they sent me a check for {$430.00} but on my credit report it states that it is a charge off of over {$14000.00} which is absurd so I have don't look Delta these people hours and hours on the phone I have done all I know to do my I'm exhausted and I don't think it's fair that people can practice business such as XXXX XXXX the way that they did and took out my gap insurance and then I would have been left XXXX and not been able to do anything that I need to do so until my personal injury litigation Czar over I guess that's where I'll take that up so I need that corrected on my credit report it was not a charge-off they were paid in full and some

Company response to consumer: Closed with explanation