Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (FL)

Global lending services has been giving me inaccurate information, as well as reporting incorrectly to the credit bureaus. This started back in XXXX when Covid-19 emerged and I was having more difficulty paying my bills due to being late off for a short time and my spouse losing his job completely. I contacted Global Lending Service to see if they could help me since most lenders were offering assistance to those affected by Covid-19. I was told that I was able to defer 1 month ( XXXX ) but there was no other assistance available except an extension. I asked the representative if I was to get the extension would it report late on my credit, he advised it would. The representative told me to do what I could, and borrow the money if I had to to make sure the payment was is on or by the XXXX of the month so it would not report late on my credit. I made sure my payments were made by the XXXX for the following months by borrowing and selling items to come up with the money. 

In XXXX I received an alert from XXXX that I was marked late 30 days for XXXX. I disputed this through the bureau and this came back updated and the late payment for XXXX was removed, and they reported XXXX on time so I thought everything was fine. Recently due to my financial situation from being off work for several months and my spouse losing his job, I applied to refinance my home to lower my interest and payoff some credit cards, including this auto loan to reduce my monthly payments. I was notified by my lender that I was marked late for my auto loan 30 days for the month of XXXX. She advised if this was not updated that I would not qualify to refinance my home. 

The past two weeks I have been in touch with Global Lending Services trying to get this updated correctly with no type of resolution. They are saying that I was 31 days late since my payment was paid on the XXXX. But when I called customer service to verify they said it was only 29 days and I should have not been marked late. I requested a dispute with the credit department two weeks ago and they came back and said they would not assist me in removing this late payment. I called back on Monday XX/XX/XXXX, and the lady advised me that a woman ( XXXX ) in the dispute department added notes in the system and she would request for XXXX or someone in that department to call me within 48 hours. I then called again today XX/XX/XXXX because I never received a call and spoke to the first representative and he said he only shows the payment was 29 days past due but he needed to transfer me to someone else. I was transferred to XXXX and was told that the credit department does not speak with customers and nobody would be calling me. He said unfortunately there is nothing we can do, and even advised that there defiantly needs to be some more training in that department since I have gotten so many different answers. 

Global Lending service has provided me inaccurate information resulting in my credit file being negatively impacted and preventing me from refinancing my home. These representatives are not giving me the correct information and I don't feel this should be negatively impacting me credit due to their lack of training and giving out false information to customers. If I am not able to get this removed and my credit report updated then this will be a downward trend and possibly cause me to lose my home and automobile. This auto loan was to be paid off at closing as well so I am unsure why they wouldn't want to correct this so they could get their entire loan paid in full. The business has not been very ethical with all of the inaccurate reporting and misleading information provided by their own customer service representatives. 

I have attached a copy of my payment history directly from Global Lending Service, as well as the dispute I filed with XXXX. You will see the dispute was to remove XXXX 's late payment, along with a copy of the updated results from my dispute showing XXXX and XXXX as paid. I have also attached my current report printed today XX/XX/XXXX showing that XXXX is now marked late again on my credit report.