Consumer complaint received 2022-04-07
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased this car back in XXXX with bad credit. I went through Global Lending as a second chance and I advised them the car was not running welll and had discovered that there was two leaks that would be in the range of about 6,000 to 7,000 of engine damage on XX/XX/XXXX from XXXX. Now XXXX came and I was not able to use car due to my car being in accident w/ XXXX and XXXXe and they were unable to resolve my issue in a reasonable time due to everyone being out and somone that passed due to XXXX at the company at XXXX and it took 8 months to finally come get resolved. The car was not in driving condition from XX/XX/XXXX and really I should have been fixed back in XXXX by the dealership. 

I have had the company tell me I have nearly paid off amount of XXXX and they are not willing to work with me on some type of settlement even though this was as a result of XXXX and I was unable to get my car repaired or drivXXXX it for almost a year. I still paid since XXXX and the managers are all aware that I was limited to where and how much I could drive the car and that the car is my primary car is paid my XXXX. This car has been sitting in my garage and hardly driven. I have called a number of times and I am disconnected on and today I had asked them if they had any notes of a manager that looked into this for me that was a lady and said she would call back and emailed me from Global Lending about figuring something out. 

{$430.00} is more than I can pay and then I drained my savings for them when I should be paying my mortgage but I don't want to lose out on a car I already paid such a significant amount on. I spoke with a XXXX today that kept asking me the same questions and he said he is the manager of the collections department and I believe I spoke with him last time when I made the payment and he never did anything but tell my I just had to pay over XXXX and then I get a call today that says I need to pay again. Global Lending has an automated system that calls you and the reps just hang on the phone or there is a delay. If you sit long enough sometimes they answer and sometimes they hang up. Today I was hung up on 5 times by them. I called again after speaking to XXXX and got someone else and got disconnected on. I am exhausted from the chase and them unwilling to do the right thing. XXXX in customer service has been the only one I been able to count on and the only one that has attempted to make things right. It does not seem like one department from another departmentn knows management or management does not note the accounts because when I speak to the reps they tell me they don't know who I am speaking of when I am telling them XXXX the manager or XXXX the manager. I need help with this loan. The car was purchased as a lemon and I continued to drive it was stolen and then XXXX detected two leaks. No one wants to take responsibility for it and I never agreed to buy as is. I told Global Lending before they funded the money there was something wrong with the car. The young lady that called me in XXXX said she needed to make sure since my credit was bad that I had a reliable car they were funding and I told her I wasn't. She said she would hold off until I checked it. Instead of calling me... the lady at Global Lendiong called the dealership and I have documentation that Global Lending was told they fixed it and they funded the money. Global Lending should have called me just like she called me from the beginning. I was stuck then and I am stuck now with a car that is not running correctly. 

Global Lending keeps sending letters to me stating if I am having problems making payments to reach out to them and then when I call they offer to come pick it up. They are not offering any solutions other than skipping one payment. I have been able to deal with tthem dirrectly but it seems like this is beyond my control. I can't see that they are doing the right thing as a consumer.

Company response to consumer: Closed with explanation