Consumer complaint received 2022-12-02
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On the date of XX/XX/XXXX I sent a letter to the CEO of Global lending stating how they violated my rights. And Ill show what I sent to them and added all violations for this credit denial to get a loan for my vehicle. At the time I matched all qualifications and still got denied. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XX/XX/XXXX XX/XX/XXXX Global Lending Services XXXX XXXX XXXX XXXX, SC XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/XXXX, and I extended your organization the credit for the Application ID : XXXX Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX This is what I sent to them in hope of a over turn in credit consideration they stated on the letter that Ill upload they have no knowledge of any credit transaction but I have two different dates where I applied and was denied the dates are as follows with application ID XXXX App ID : XXXX DECISION DATE XXXX XXXX App ID : XXXX DECISION DATE XXXX

Company response to consumer: Closed with explanation