Consumer complaint received 2022-03-08
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Prior to filing a pre-approval application with XXXX XXXX XXXX, they stated that they couldn't approve me, so they approved me with one of their partner lenders, Global Lending Services, who then qualified me for a XXXX XXXX XXXX XXXX and asked for a down payment of {$5200.00}, which I exercised my right under 15 USC 1662 by calling Global Lending Services and stating that they don't advertise down payments at the price they were asking for an which I informed XXXX who is employed at Global Lending Services Funding Department of the matter and she quoted that she totally understand and that down payment is done by the dealership and I also informed that I really need the car and I have no transportation plus with the dealership being a 1 hr drive I wouldnt want to be turned around and emotionally upset that something caused the deal not to go through and that it would cause a loss of wage due to me paying someone to take me and I not get the car then she said that I shouldnt have no problem because everything was approved on her end I just needed to bring the required documentation to close the deal so then the call came to a end. Then, as instructed, I called the dealership at XXXX XXXX and spoke with XXXX XXXX, ID # XXXX, who works as an Internet Sales Rep. at XXXX XXXX, and when I told him I didn't want to do a downpayment, he said, " that's totally fine you don't have to put a downpayment down we sometimes just ask our customers are they going to put money down to help better the deal '' and then I informed him of the same information I gave XXXX of Global Lending and he said he definitely can be able to help me out and ask for my number to make sure Im recognized as a VIP customer and sent me a email regarding a appointment confirmation : Date : XX/XX/XXXX Time : XXXX XXXX Manager : XXXX XXXX Vehicle : XXXX XXXX With the following verbiage When you arrive at our showroom, please go to the reception desk and ask to speak with my manager. When you meet, please let my manager know you are a preferred VIP customer and provide your name and phone number. This will allow my manager to quickly and easily reference our conversation so that you don't have to repeat yourself and we can save you as much time as possible. 

So that immediately gave me the impression that everything was in order, I got a call from XXXX XXXX asking if I was going up to finish the deal, and I told him I would be arriving around XXXX, and he responded terrific, I'll have the car ready for you. So, after arriving at XXXX, I took the vehicle for a test drive and discovered that there were a few elements that were not in excellent working order, including but not limited to the vehicle 's alignment and failure to have it properly tested before advertising for sale. After informing XXXX XXXX, he stated that it should be good for sale, and we proceeded into the building, where he called the service department and told them the car was good for sale, and the service department stated it would take a half day of work, which made me suspicious of the transaction as I had received some inaccurate information from XXXX. As time passed, and the application was submitted, XXXX returns and says that they can't approve without a down payment and that they need at least XXXX or something. I ask how that's possible when we discussed it differently before I even arrived here, and he says it's because your credit score is XXXX. I say that's impossible because what's shown on my end is entirely different, so I ask where did you get the score from, and he says XXXX and XXXX. I ask for the documentation, and when I get it, I notice that it said the credit source was XXXX which again I was provide with false statements by XXXX XXXX, " I then asked, " Can you get your manager? '' because this is very unprofessional and I am emotionally upset about the losses and damages incurred due to the nature of the transaction. XXXX XXXX, the finance manager, stated, " We did everything legally and lawfully prior to the transaction. '' I stated, " OK, I understand, '' but I just need the correct agency to report the matter to. I then stated I wouldn't get a clear answer as easily as I would if I received it from you, and he sat down in an aggressive manner and said what u want me to do this for you, and I reminded him all I'm asking is help on where is the appropriate location for reporting the matter, and he replied he don't know. I then asked if this dealership governed under Truth In Lending, and he replied he didn't know. Then I replied that I just want to know where I should report my rights as a consumer being infringed since I have a right to know, and he indicated that he had the authority to kick me out of the building and told me to leave before walking away and not providing a name so I can accurately report the complaint with the proper agency so before I left his name was revealed to me by a coworker who recognized his acts as inappropriate and told me his name was " XXXX XXXX. '' So, after making several phone calls in an attempt to get assistance with the problem, Then, after leaving the dealership, I received notification that my XXXX credit score had dropped XXXX points, which caused me to panic and look for the source of such information that had caused my credit score to drop, which I discovered to be XXXX XXXX, which I had not authorized them to do. So I called XXXX XXXX and spoke with a man named XXXX who claimed to be the manager. When I asked him about the cause of the score drop, he replied that he has been doing credit for years and that has never happened. He seemed amused by my distress and replied, " I'm mad that I wasn't approved. '' So I asked XXXX if XXXX XXXX is required to comply with Truth In Lending and Code of Federal Regulations, he replied, " maybe '' and laughed, saying if you want the car go to the bank and get the check and we will give you the car giving me the impression that XXXX XXXX took steps that were in direct violation of federal statutes in place to safeguard consumers from transactions like this one

Company response to consumer: Closed with explanation