Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: MO

Complaint narrative:
To the Consumer Financial Protection Bureau, This letter serves as my formal rebuttal to Global Lending Services ( GLS ) response dated XX/XX/year>. Their reply is incomplete, inaccurate, and fails to address the core issues raised in my complaint. GLS continues to provide generic, dismissive statements that do not reflect the facts, the evidence, or their obligations under the FCRA and other applicable laws. GLS asserts that the loan was processed correctly, yet the underwriting was based on incorrect credit information. I provided GLS with the correct credit scores, which placed the applicants in a lower credit tier and would have resulted in a significantly lower APR. GLS refuses to acknowledge or correct this, despite being notified multiple times. Under the FCRA Furnisher Rule, GLS is required to conduct a reasonable investigation and correct inaccurate information. Instead, they continue to rely on the same canned response that the contract can not be modified, which is not a legal defense to knowingly using inaccurate data during underwriting. GLS also fails to address the fact that a fraud alert existed on my credit file at the time of application. Federal law requires a lender to verify identity before extending credit when a fraud alert is present. GLS did not perform this verification until after the vehicle was delivered and the contract executed. This failure directly contributed to the inaccurate underwriting and inflated APR. GLSs response ignores this entirely. Their attempt to shift responsibility to the credit bureaus is also improper. GLS is the furnisher of the information and is legally required to investigate disputes and correct inaccuracies. Directing me to the bureaus is not a substitute for their statutory obligations. GLS further claims they have thoroughly investigated my disputes. This is demonstrably false. They have ignored the corrected credit documentation, ignored the identityverification failure, ignored the underwriting errors, and ignored the evidence provided. They have issued the same template response repeatedly without addressing the substance of the complaint. No documentation of any investigation has been provided, and no corrective action has been taken. GLS also fails to disclose that XXXX refused to administer arbitration because GLS did not comply with XXXX XXXX XXXX and did not pay the required business fees. Under XXXX Consumer Rule XXXX ( d ), a business that refuses to comply with XXXX requirements waives its right to arbitration, and the consumer is legally permitted to pursue the matter in civil court. GLSs refusal to participate in arbitration is further evidence of badfaith conduct and an attempt to avoid accountability. Their statement that the matter is addressed is simply untrue. Nothing has been corrected. The inaccurate credit information remains uncorrected. The APR remains inflated. The loan has not been rerated. No documentation has been provided. No identityverification explanation has been given. No compliance with arbitration has occurred. No meaningful investigation has taken place. I request that the CFPB require GLS to conduct a legitimate investigation, review the correct credit information, rerate the loan using accurate data, correct the APR, reamortize the loan, correct any inaccurate credit reporting, and provide documentation of their findings. GLS should also be required to explain their failure to comply with XXXX arbitration requirements and their refusal to correct known inaccuracies. GLSs continued refusal to address these issues demonstrates a pattern of noncompliance, badfaith conduct, and disregard for federal consumerprotection laws. Regulatory intervention is necessary. Respectfully submitted,

Company response to consumer: Closed with explanation