Consumer complaint received 2021-01-26
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have .a car that is financed through Global Lending Services LLC . Due to many medical problems ( that were unforseen ) I spent a lot of days in and out of the hospital and was unable to work. I fell behind in payments and Global Lending Services repossessed the vehicle. I immediately called Global Lending XXXX to find out where the vehicle was located so that I could go and retrieve my personal belongings and to work out details to get the car back. Since I have been out of work, I was unable to pay the back payments that were owed and the fees associated with the repossession, so I decided to file bankruptcy. Upon filing bankruptcy ( CH XXXX ) Global has decided that because of a new Supreme Court ruling that they were not required to return the vehicle to me, even though I had an agreement through the bankruptcy courts to pay back the loan on the vehicle over the next 5 years. Part of their process is that once a vehicle is repossessed, they hire a third party company by the name of XXXX. Each time I called the number for Global Lending, I was automatically transferred to XXXX to speak with them regarding the details of my case. I called XXXX several times over a time span of 3 weeks, trying to obtain information and the location of my vehicle. I was informed that Global would not be returning the car. At this point, in order to be able to get a different car to so that I can get back and forth to work, I had to convert my bankruptcy to a Ch XXXX I was told that Millennium was unaware of the location of the vehicle and that they would have to await a response from Global. Over the three weeks, I NEVER got an answer from either company as to the location of the vehicle that they repossessed that still contains my personal belongings. So, in order to get in touch with Global Directly, I called from a different number that was not associated with my account and actually got to speak to a live representative from XXXXlobal. Global immediately gave me the location of the vehicle. I called the towing company where the car is located and was informed that due to a policy of Global and XXXX, I had to pay them {$50.00} before my personal belongings were released to me. This is not right. They repossessed my car not my personal things and now I feel like my personal things are being held hostage by XXXX and Global. I do not feel like this process is fair or equitable. I obviously don't have extra money just laying around to spend with a company that did not want to give me the location of my vehicle right off the bat. It is absolutely ridiculous that I have to pay in order to retrieve my personal belongings out of a vehicle that was repossessed. These are my personal items and they are not a part of the contract that I signed with Global Lending. I am now going to have to borrow the money from someone in order to get my things back. I should not be put in this position for these types of reasons. It is unreasonable to expect someone whose car is repossessed to pay to get personal items back especially when I had been trying to obtain the location of the vehicle for 3 weeks and couldn't get a solid answer from anyone at XXXX. I called numerous times over the course of 3 weeks and kept getting the run around from this company and now they expect me to pay them more money just to get my personal items. I am beyond frustrated with both of these companies but more so XXXX because they knew the location of the vehicle and just never passed the information along. It should definitely not be this hard to find out where a car is located when it is repossessed, especially when personal things are at stake.

Company response to consumer: Closed with explanation