Consumer complaint received 2023-10-11
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I purchased a vehicle on XX/XX/XXXX with Global Lending Services ( GLS ). The vehicle contract charged me for registration fees, however, the dealer illegally registered the vehicle in Missouri, a state I did not live in. 

When the vehicle was brought to me in California, it had temporary tags. When I went to the DMV, I was told that I owed {$4000.00} in taxes and registration fees. 

I went to the state and they agreed to give me a payment plan where theyd grant me registration for after making payments of {$2000.00}. During this time I stayed up to date with my payments. In XXXX, GLS emailed me saying I needed to pay the taxes. In XX/XX/XXXX I only made {$1000.00} in payments, GLS called me and insisted for me to register the vehicle. ( Id later learn this was so that they could get claims to the vehicle ). I shared that I couldnt make payments to both the state and GLS. They gave me a month off to make the payments. 

During this time, I spoke to 4 banks that wanted to grant me a refinance loan however, they refused to finance an unregistered vehicle. 

I went to the DMV and it took 3 months to set up registration. In XXXX when I began to fall behind, I told GLS that I cant make payments. Could I cancel my warranty to retrieve the {$1500.00} check make some payments towards what I owe, while I still make settlements on the tax bill. 

The bank said yes the warranty check will help. I cancelled the warranty then the check was sent to them. For 2 weeks they pretended as if they didnt have the check until I went and found the check # and admitted they had it. This was in XX/XX/XXXX. 

At that point they denied the check having any assistance on my payment and would only go towards the principal. At that point they decided to move forward in the repossession process. 

I locked the car behind a gate until I finished making all the payments for the taxes in XXXX. On XX/XX/XXXX the bank broke California Law and trespassed behind the gate to illegally repossess the vehicle. According to California law they were supposed to send me written notice within 48hrs. I never received this information until XX/XX/XXXX. 

When I called the bank on XX/XX/XXXX they said they have the car, I asked how did they get behind the gate, they said their repo company has their ways. 

I received written notice on XX/XX/XXXX that would allow me to reinstate the loan. On the paperwork it said I would need to pay {$3000.00} and that they would take off 2months payments and defer repo fees toward the end of the account. So to reinstate the loan would be XXXX. 

Today XX/XX/XXXX the day before my last day of reinstatement, I called the bank they gave me a number that is different from the written notice and goes again when they sent me. 

After having a disagreement on what the cost is they admitted that what was sent on the paperwork was wrong. However they are now demanding me to make a payment that is more than what we agreed to and what was on paper. 

After noticing that they say one thing and keep going back on our agreement I notice they are doing illegal state and federal practices and committing predatory lending.

Company response to consumer: Closed with explanation