Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Subject : Complaint Regarding Improper Repossession and Mishandling of Reinstatement Account # XXXX To : Global Lending Services LLC XXXX. XXXX XXXX XXXX, SC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX [ Your Phone Number ] [ Your Email Address ] [ Date ] ________________________________________ To Whom It May Concern, I am writing to formally file a complaint about the improper repossession and subsequent mishandling of my efforts to reinstate my vehicle loan with Global Lending Services ( GLS ). 
Background : My XXXX XXXX XXXX ( VIN : XXXX ) was repossessed on XX/XX/XXXX, without prior notice. 
I did not receive the Notice of Repossession and Right to Reinstate until after the vehicle was already repossessed. 
On XX/XX/XXXX, after contacting GLS, I was informed that to reinstate my loan and retrieve my vehicle, the total past due amount was {$1400.00}, of which I had already paid {$350.00}. I was told the remaining {$1000.00} could be paid by XX/XX/XXXX, and that this arrangement was acceptable so long as it was paid before the final reinstatement date of XX/XX/XXXX, as stated in the notice. 
What Happened : I relied on this information and paid the remaining {$1000.00} on XX/XX/XXXX, as agreed. 
After payment, I called Loss Recovery as instructed to schedule pick-up and pay any storage fees. I was then told my vehicle had already been sent to auction on XX/XX/XXXX before my agreed-upon payment date and well before the reinstatement deadline of XX/XX/XXXX. 
Since then, I have been transferred between GLS, the recovery agent, and XXXX XXXX XXXX XXXX with no resolution. No one has provided clear guidance on how to retrieve my vehicle or refund my money. 
My Complaint : XXXX. Repossession Without Notice : I did not receive a repossession notice prior to the repossession, which violates my rights under Maryland law and the terms of our agreement. 
XXXX. Breach of Verbal Agreement : GLS confirmed I could reinstate by XX/XX/XXXX, but auctioned my vehicle on XX/XX/XXXX, before this date. 
XXXX. Lack of Coordination : I have been given conflicting instructions, wasting my time and money, while still without my vehicle. 
Requested Resolution : Immediate retrieval or return of my vehicle at no additional cost to me. 
Written explanation of why the vehicle was repossessed without notice and auctioned before the agreed reinstatement date. 
Refund of any funds paid if the vehicle can not be returned, plus compensation for additional costs incurred due to this mishandling. 
A guarantee that no further fees will be charged to me as a result of this situation. 
This experience has caused unnecessary hardship and shows a lack of care for paying customers who are trying in good faith to resolve an issue. 
Please respond to this complaint in writing within XXXX business days. I am also submitting this complaint to the XXXX XXXX XXXX XXXX XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) for their records and assistance. 
I expect immediate action to resolve this situation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation