Consumer complaint received 2023-07-18
Company: Global Lending Services LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a used XXXX XXXX XXXX vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX ph # ( XXXX ) XXXX on XX/XX/XXXX. As I live over 2 hours from the dealership, I did not make it to the dealership until XXXX ( their normal closing time ), but I was still helped by salesman XXXX XXXX . I did not notice until later, but myself, XXXX and a lady, whom I realized later was just the person who handled the financing paperwork, were the only people left in the building besides my brother whom took the ride with me. My husband, whom was a combat veteran, passed away in XXXX of XXXX after 15 years of marriage, sufficed to say I had never purchased a vehicle on my own until this day. After test driving the vehicle, I waited for the salesman to return to let me know if I qualified for financing since I knew I had a low credit score, though I had already told him I was prepared to put down $ XXXX {$7000.00} if that would help me to be financed ( and to get the lowest monthly note possible ). He returned and told me I would need to put the full {$7000.00} down and I would need to purchase the extended warranty from the dealership. I asked him if it were possible to look at a few other vehicles that were a little less money and at that point he told me that both he and the lady were staying late to help me out and that my credit score would prevent me from purchasing almost any other vehicle on the lot and that if I left, the car I was interested would be sold. He furthered by telling me that he was not authorized to sell any XXXX on their lot without selling the extended warranty bc its just not something that they do. He then told me that he spoke to the manager and they had pushed the bumper to bumper warranty from XXXX to XXXX ( bc the vehicle had XXXX at the time of purchase ). I then walked towards the office to start to sign the papers with the only remaining person in the building, the finance lady. Before entering her office, I began to ask a few more questions. My first question was When will my first payment be due? I was concerned with the date of the first payment bc I knew I would not be able to cover a car note in XXXX because as a single mom, I am solely responsible for XXXX for my children and I also pay homeowners taxes every XXXX. He didnt know the answer off hand and I then said if I need to wait until XXXX or XXXX to purchase the vehicle, thats fine, I just dont want to get in over my head. He left me again and when he returned, he said you wont pay your first payment until XXXX, its a 90 day incentive, so somewhere around XXXX. When he told me that, I felt comfortable enough to sit to sign the papers for my first major purchase as an adult ( without my spouse ). As we began to go through the papers, she had a large stack to go through and she would give a synopsis of what the paper said then slide it to me to either sign or initial. When I received the first paper, I began to read it and she retorted XXXX XXXX, he and I have already been here two hours past our normal work hours. I can tell you what each paper says and you can look over them later if you like. I felt pressured to get out of the building, so I just went along with what she was doing and signed and initialed what she told me to. When we were done, I received the keys and left in my new ( used ) vehicle. 
I was happy with my vehicle until I received a bill from Global Lending during the first ten ( 10 ) days of XX/XX/XXXX. When I opened it and realized that they expected a payment during the month of XXXX, I immediately called the company. Once I got a representative on the phone, I began to tell him that I was told at the dealership that I wouldnt pay my first payment until XXXX and that I really wouldnt be able to begin paying consistently until XXXX and he told me that whatever the dealership told me doesnt really matter because they are my financing company and the first payment is due. I asked him if he could at least make a notation on my account so someone would know what I was told and when I could begin to pay. In XXXX, I began to pay my note of {$580.00}, however ; two ladies began calling my phone number incessantly to ask if I could settle the past due amount ( which continued to grow everyday since I first missed the XXXX payment ). I paid my note every month and continued to get borderline harassing calls from the company, both day and night, weekdays and weekends. On XX/XX/XXXX, I received a call from a lady I was not familiar with asking if I were ready to pay my note ; which I was, so I began to speak with her. She asked if I could pay more than my note to keep me out of repossession status. I asked her how much I needed to pay in order to do so and she replied {$700.00} would keep you out of repo status until your next payment is due. I responded in the affirmative, that I could pay {$700.00} and made the payment with her on the phone at that time. Two days later, the same lady that had begun to harass me about my past due balance called me yet again. I answered and she began by asking if I could make a payment. I told her that I had just made a {$700.00} payment two days prior and she responded by telling me that I had a balance of XXXX XXXX and some change and if I wasnt able to make a payment soon, I would be sent for repo. I then told her that the lady I spoke with two days prior told me that the {$700.00} payment would make sure I was not in repo status until my next payment was due on XX/XX/XXXX. She then snidely said XXXX XXXX, I am calling to let you know that if a payment is not made, your vehicle will be up for repo status. At this point, both my emotions and hers were pretty high. I was being abrupt but she was being rude and abrupt and, at times, downright mean. At some point, I said quite clearly, Can you just tell me how much money I need to pay and by what day to avoid my car being repossessed. After asking the question, there was just silence. I asked the same question again. Again, silence. Finally, I said, I am asking you a simple question and you wont answer me, in which she responded My vehicle is outside right now and its not about to get repod. I was more than stunned that my finance company had just spoken to me in that manner, so I just hung up the phone. I then got the onto the website and set up an autopay for my note plus extra ( {$700.00} total ) to come out the third Wednesday of every month because that is when I am paid our survivors benefits from Social Security. On XX/XX/XXXX, I called Global Lendings XXXX number because I had missed 38 called in a matter of a week. ( My mother was in ICU and no phones are allowed on the entire floor. ) When I did so, the robo prompter stated that my next payment was due on XXXX XXXX. On XX/XX/XXXX, yesterday, I was paid early, so I decided to pay my car note first, which obviously didnt matter bc around XXXX XXXX central time, my vehicle was repossessed by a tow truck. I immediately called Global Lending and asked what was going on. The man I spoke to told me that I had a balance of {$1200.00} and I was up for repossession. I then told him I made a {$700.00} payment on XX/XX/XXXX and the lady told me that the payment would keep me out of repossession status for thirty ( 30 ) days and since it was XX/XX/XXXX, the thirty days were not up yet and I had just made another payment of {$700.00}. He then told me he couldnt help me and to call back the following day ( today ). I called and spoke with a manager and told her how I have been treated and asked her to pull the actual call of me paying my XX/XX/XXXX payment so I could have proof that I was told I had thirty ( 30 ) days until I could be in repo status, to which she replied she didnt know if she could actually pull the call at all. Basically, all I was told was that I was to pay {$2200.00} ( not including another almost {$500.00} in other fees which would be attached to my future bills ) to Global Lending as well as {$350.00} to the company that picked up my vehicle and that my vehicle would be sold in 26 days and I have 5 days to get my note reinstated before I lose my vehicle completely. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation