Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This is in regards to my loan I have for my XXXX XXXX XXXX XXXX vin # XXXX. I entered this loan 22 months ago, 651 days ago or just 2 months shy of 2 years now that this vehicle has belonged to Global Lending Services that I have been making payments on to the tune of a little under $ XXXX cash down payment on top of 22 months of $ XXXX payments. So I've effectively handed over somewhere near $ XXXX {$15000.00} in cash upfront which is substantial for myself being a XXXX vet not capable of working full-time especially in today 's economy. As of the latest in an ubsurd and almost comical amount of placed calls I've made to GLS, adding up so far to nearly 9 total hours I've now wasted of my life I'll never get back begging, demanding, pleading and questioning why they could care less that they still don't have the title in hand to then provide me with the proof to finally get the thing registered. I'll provide screenshots of all my phone conversations, time in total with specific dates showing just how pro active I've been trying to get them to XXXX XXXX XXXX  about their own asset. Just how long would it take for GLS to say ok enough is enough, where's the title? They are the owners correct? Because they don't have the signed title in thier names so exactly why am I even paying them a dime? You have no proof it's even your car. Legally you can not even say you own it, even if you did pay for it. And what that's now compounded into is me about to lose my license from the bag of traffic tickets I've now received, had the car towed off my own lot because they check registration and that's happened 3 times over my ownership and I've had a XXXXXXXX XXXX on me twice by cops and I've been placed in XXXX twice as police investigate just who's vehicle this is. It's had- temporary plates on it since day one out of the state of New York and I live in the state of Texas . Every time a police officer sees my vehicle and sees that on the back it's guaranteed I'm being pulled over. It has come to the point to where my insurance company, and I fully explain this to you guys before it happened I will include the emails, but my insurance company refused to let me continue paying on my insurance if I couldn't provide them with proper documentation sitting the car was registered. I explained to them what the problem was and that you guys still didn't have the title so I couldn't register it and I told you guys months before and then the month it was going to happen and my insurance was about to lapse I think I called you 7 days straight in distress telling you that if you did not get this done the car will no longer be insured which I know is your requirement so I'm being XXXX XXXX  multiple ways and there's nothing I can do about it. The dealership continue to say they needed inspection paperwork and insurance paperwork to release that to you so I sent them copies of both and what I did I had them notarized three different times costing me hundreds of dollars in notary costs alone before mailing them off because they just continue to lose them and then I even had the dealership where my vehicle had {$9000.00} worth of repairs get done on it, it was actually inspected at that time when I first got the vehicle because I could n't drive it for the first two months due to this and just decided Well I might as well have get inspected when they finish the work up there and it's on the receipt saying that they sent the past inspection when the car dealership that I bought the car from was found in negligent in hiding these needed repairs and they ultimately had to pay for them. So it was on that receipt and they received it and as I call you guys the story always changes and the very last time I called and I mentioned the fact that you guys still didn't have the title in your hands so you can't even say it's your car because I'm getting so frustrated at this point I can't tell you how many times your story has changed to me going to receive the title the next day then within 24 hours then within 3 days I'd have it then it could be anything I could be told a flying elephant will be bringing it to me on a Tuesday if I'm wearing polkadot pants and I probably would have heard that a couple months prior that's how many times you guys story has changed. Recently I've been in contact with a head supervisor up there in the title department named XXXX. XXXX ext. XXXX he was great at the beginning but as every single other person that I've talked to over these two years has done he faltered and folded just the same. I gave him a copy of my insurance and a copy of my inspection which by the way as of this past XXXX Texas no longer does inspections so it requirement for that inspecting paperwork is Null and void because there's no such thing but regardless I gave him my last pass one the same one that I handed the dealership multiple times and he said he was having a issue speaking with somebody at the dealership. Surprise surprise exactly as I had been doing as well. But he also promised me he had somebody in the state of New York that was going to physically walk in and pick up this title so I can get this registered and that was at least two months ago and I have now called him at least 12 times and I've emailed him at least five or six times without a response and every single time I've called he's never at work and you guys don't allow people to leave messages so how is he supposed to know that I'm trying to get a hold of him? That's ridiculous. You have no idea how much that angers me. Of course it was all bs. just another one of your people passing it down the line and that's all I've received for 2 years and I'm telling you right now that stops today and if you don't think it does well I'll ask you again when I see you in court if you believe me or not. I've never been more serious about anything in my life at this point the way your guys lack of XXXX XXXX XXXXXXXX that's not entered my life and turned it upside down is unacceptable and I'm going to show you that it's unacceptable. you cost me an absurd amount of money and they're going to be heavy damages including wear fees and including the late fees that are going to be paid on this tag and title because the state of Texas generates a XXXX XXXXXXXX dollar fee monthly if it's late after 5 days and it's not anything that can be negotiable you can look that up that's not me that's the state of Texas and I've told you guys that many many times. But I was just handed down the way to the next person every single time no one up there gives a damn.. but you're gon na. and I have every email with all this in it. This entire time I've been lied to and I'm tired of it and the very last time I talk to you guys I was cut off and told they don't want to get into it and this was escalations. They told me that I needed to take this up with the car dealership and sue them but here 's the thing GLS here 's where you're completely wrong and the shocker of the day but no I'm sorry my litigation is about to be placed with you. My problem is with you. I can not name another organization on this planet or person that would just own an asset that cost them {$30000.00} and them not care about the title and them just believe they're the owners of the car and not legally own that paperwork or care about it. You completely screwed me at this point. I'm in courts I'm paying lawyers I'm doing all kinds of stuff just trying to keep my head above water I'm getting pulled over weekly I'm getting guns pulled on me because the vehicle is an XXXX  a highly stolen vehicle specifically in South Texas so every time I'm pulled over the cops are immediately assuming the car is stolen that's before they know it's not registered I have a zero paperwork saying the car is mine and it now is no longer even insured and I'm handing you over {$25000.00} so far all for me at the end of the day to be told that I need to take this up with somebody else that already has everything that they're supposed to have from me and here 's the real big kicker. The contract has been broken this entire time. I paid XXXX XXXXXXXX dollars for specifically this paperwork involving my registration and my plate and I paid it up front. And you can look at the sales certificate there is a specific section blocked off on the left for that and it says it's optional and of course it was opted in by the dealership so I paid it. I paid the two or {$300.00} for it and here I am 2 years later being told I need to take this up with them when it's got nothing to do with me and them and it's a me and you issue now because I've already paid to have this done. That then turns it into you needing to actually do something and collect your title so business can proceed and if there's a problem then address it but how dare you tell me to take them to court. So my litigation is going to be with you and this is my heads up to you since you don't care about your own asset I have to care about it for you apparently and I'm not going to do that because I'm not your dad. I'm sorry but you need to grow up son. XXXX has all the paperwork that they said they needed, he's over the titles department AND STILL I can't get you guys to care enough to actually get your own evidence proving this vehicle belongs to youXXXX XXXX I want to sell the car next week. How do you suppose I do that? How am I supposed to do that when you don't even have the title yet do you see the problem here? I seriously feel like a parent talking to a kid it's ridiculous and pathetic. Your negligence is causing my problem and that is now going to be corrected. Take it personally if you want to because I have.

Company response to consumer: Closed with explanation