Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Office of Attorney General Bureau of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : Global Lending Services XXXX XXXX XXXX XXXX XXXX GA XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Complaint Violation of Title 12 PA Code 625.4 ( e ) ( Repossession Without Timely Notice ) Dear Sir or Madam, I am filing a formal complaint regarding a violation of Title 12 PA Code 625.4 ( e ) committed by Global Lending Services , XXXX XXXX XXXX XXXX XXXX, GA XXXX involving the repossession of my vehicle and failure to provide required post-repossession notice. 
On Sunday, XX/XX/XXXX, at approximately XXXXXXXX XXXX, my vehicle was repossessed by XXXX XXXX XXXX XXXX XXXX on behalf of Global Lending Services. Under Pennsylvania law, specifically Title 12 PA Code 625.4 ( e ), I understand that the creditor or its agent is required to provide me with a written notice within 72 hours detailing how to retrieve my vehicle and any related rights or obligations. 
However, as of XXXXXXXX XXXX on Thursday, XX/XX/XXXX, well beyond the 72 hour timeline, I have not received this notice by certified mail or any other form of communication. The information I was provided with came by email and as you will see from the law below should contain the following information which it did not ( those emails are attached to this email ) : Pennsylvania Statutes Title 12 Pa.C.S.A. Commerce and Trade 6254. Notice of repossession : ( a ) General rule. -- If repossession of a motor vehicle subject to an installment sale contract is effected other than by legal process, the holder shall immediately furnish the buyer with a written notice of repossession. 
( b ) Delivery. -- The notice of repossession shall be delivered in person or sent by registered or certified mail to the last known address of the buyer.

( c ) Contents. -- The notice of repossession shall contain the following : ( 1 ) The buyer 's right to reinstate the contract, if the holder extends the privilege of reinstatement and redemption of the motor vehicle.

( 2 ) An itemized statement of the total amount required to redeem the motor vehicle by reinstatement or payment of the contract in full.

( 3 ) Notice to the buyer of the holder 's intent to resell the motor vehicle at the expiration of 15 days from the date of mailing the notice.

( 4 ) The place where the motor vehicle is stored.

( 5 ) The name and address of the person to whom the buyer shall make payment or on whom the buyer may serve notice.

( 6 ) A statement that any personal property left in the repossessed vehicle will be held for 30 days from the date of the mailing of the notice.

( 7 ) The name and address of the person that the buyer may contact to receive a full statement of account as provided by section 6230 ( relating to statement of account to buyer ).

On Monday we immediately reached out to XXXX in XXXX, PA to see if we could refinance the vehicle loan with them. We have worked with them in the past and have had great success with them as a local lender. Giving them the day to work through the financial aspect and figuring out what we needed from GLS. I will insert copy of my phone logs from GLS and their Loss Prevention below : ( Note I could not get the entire two days in one screenshot, so they are in two making some duplication. The top of each is Tuesday XXXX and the bottom is Wednesday XXXX ) I feel that I have been purposely given inaccurate information and passed around to delay not only getting my car back but causing this to happen in the first place. They seemed like they wanted to be helpful when we were looking to reinstate until they found out that we were moving to a different lender then we could not get any information, they were cold and unhelpful. This is all the result of the closing of the bank account originally associated with the auto pay on this loan account. There was a savings account at XXXX XXXX XXXX XXXX in XXXX PA that was opened when I had a retirement account set up there under a previous employer. When I left that employer to move to another employer, I also moved the retirement account. When the savings account no longer served its purpose, we opted to close it. It took months to find out that in doing so, we could no longer have auto deductions on our account. I texted, called, logged on to my account and messaged through the account asking for it to be unlocked. At no time did anyone, with the exception on one lady, in XXXX finally tell me we could no longer use a bank account we had to use a debit card to pay our payment. This was after MONTHS of trying to make the payment and creating several accounts online because I kept getting locked out. Every time I would call or try to make contact with the customer service line I was treated like a common criminal. I have NEVER had an account where I could not change back and forth between bank accounts that I made payments through. Nor, have I EVER had such poor customer service in my life.

I will also attach the emails that I given after the repeated attempts by myself and the lender who would like to assume responsibility for this loan to try to get a payoff value. 

XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Dear Customer, You need to please call us at XXXX and ask to speak with the Reinstatement Department to discuss details regarding payment requirements before you make any reinstatement payments. If you have already spoken with our Reinstatement Department and you want to make a payment over the phone with an agent, then please call us at XXXX and ask to speak with the Reinstatement Department. Please remember that you may make a payment via ACH, debit card, XXXX, XXXX, and/or XXXX XXXX XXXX Lastly, if you have already spoken to our Reinstatement Department and you made a payment via either XXXX or XXXX XXXX, then please call us at that same XXXX number and provide us with your confirmation number. 

If you are paying through XXXX, XXXX XXXX, or XXXX, here is the payment information below : XXXX XXXX XXXX XXXX XXXX XXXX of Payment : Cash Pay to : Global Lending Services Pay to : GLS Pay Quote Amount Provided by the Reinstatement Dept. Code City : GLS State : SC Receiver Code : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX If you have any additional questions or need further assistance, then our team is available Monday through Friday XXXXXXXX XXXX XXXXXXXX XXXX ET and Saturday XXXXXXXX XXXX XXXX XXXX ET to assist you. 

Sincerely, Account XXXX XXXX Global Lending Services LLC Your Extension Paperwork is Here! Please Sign and Return ASAP! 
XXXX XXXX From : XXXX To : XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX  Dear Customer, Thank you for contacting us about your account. As we discussed on the phone, please find the Extension Agreement attached in this email. 

This form must be signed and returned within 10 days from the date on the form to be valid. 
You can return it back to us either via Email to XXXX or via Fax to XXXX. 
DO NOT reply to this email as we are not monitoring this email account. 
If you have any questions about your account or this Extension Agreement, please contact us at XXXX extension XXXX. 
See below for our Hours of Operations : Mon - Thu : XXXX XXXX XXXX XXXX XXXX XXXX Fri : XXXXXXXX XXXX XXXX XXXX XXXX EST Sat : XXXXXXXX XXXX XXXX XXXX XXXX  EST Sun : Closed Sincerely, Loan Reinstatement Team XXXXXXXX XXXX XXXXXXXX Global Lending Services XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Extension Agreement- for Redeemed Accounts Dear XXXXXXXX XXXX XXXX XXXX We have received your request to extend the original term of the Retail Installment Contract dated XX/XX/XXXX. This request will extend the term of the contract by 1 payment. The terms of the contract will change as follows Original Term : 66 Extended Term : 1 Payment Payment to be extended : XX/XX/XXXX Next payment due date after extension : XX/XX/XXXX Except for the above-described changes, by signing below, you agree that all terms and conditions of the original Contract will remain in full force and effect. Although late charges will not be accrued for the extended term, this extension does not waive your obligation to pay all previously accrued and future late charges. This extension is not a satisfaction of the original contract. 
This extension does not waive Global Lending Services LLC rights or obligate Global Lending Services LLC to any further extensions or modifications. 
Please review the above changes carefully and sign below to indicate your acceptance of these changes. 
This form must be signed and returned within 10 days of the date on the form to be valid. 
Please sign and return by either Email or Fax at : Email : XXXX Fax : XXXX NOTICE TO CONSUMER : 1. Do not sign this agreement before you read it. 2. You are entitled to a copy of this agreement. 3. You may prepay the unpaid balance at any time without penalty.

I understand that I am authorizing Global Lending Services to extend the term of my contract by terms indicated above. I understand that interest will continue to accrue at the rate provided on my original Retail Installment Contract, throughout the extended payment period. There is no deferral fee, however, this is a simple interest contract and this will result in higher total finance charges paid than if I made all payments as originally scheduled. 
If I purchased GAP or Debt Cancellation Insurance, the extension may not be covered by GAP. I will refer to my GAP/ Debt Cancellation Agreement or the provider directly for additional information.

____________________________ ______________________ Borrower Date ____________________________ ______________________ Co-Borrower Date Global Lending Services LLC Creditor NOTICE : If you are entitled to the protections of the United States Bankruptcy Code ( 11 U.S.C. 362 ; 524 ) regarding the subject matter of this letter, the following applies to you : THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY.

So, as you can see there are no itemized statements. I have tried to gain this information, as well as the lender so that we could pay off the loan but GLS has not been forthcoming with the information. Nor could ANYONE that I talk to tell me who I could talk to that could tell me how much the charges would be so that we could pay off the vehicle and secure title with another lender. This could have all been settled on Tuesday, XX/XX/XXXX if ANYONE at GLS had been able to answer the simplest of questions. This also caused me to incur two more days of storage fees. Because we wasted all day Tuesday without answers, then all day Wednesday with inaccurate information waiting for them to call me when indeed I was supposed to call them about a time to pick up the car after paying off the vehicle back monies owed but that was NOT what I was told. There was also an issue with that as they never told me until I went to make the payment that it could not be a credit card it had to be a debit card. 
The only way we knew where the vehicle was stored is because the tow company gave us a card when they took the vehicle. They also allowed us to get our things otherwise we would not have known where to collect those since we did not get a notice of where to collect personal property. 
They were not forthcoming with the date of sale only that it could be as early as 5 days. Also a violation of the law. 
This has caused me significant hardship and denied me the opportunity to reclaim my property in a lawful and timely manner. I have lost work and had to rent a vehicle to be able to get where I needed to be unnecessarily because they would not answer questions appropriately. 
I believe this is a direct violation of Pennsylvania consumer protection law and respectfully request that your office investigate this matter and pursue any necessary enforcement actions against the party responsible ( GLS ).

I will also be copying Global Lending and XXXX XXXX. Unfortunately, even if I could walk into that dealership with cash, I would not buy another vehicle from them. And that is an absolute shame because they have been a great community partner in our little community. From supporting our nonprofit to supporting our thanking the police with turkeys at XXXX and I am sure much more that I am not involved in, they have not hesitated to become involved when asked. However, I would have rather walked out of the dealership without that XXXX, than to have dealt with the predatory practices of GLS that we have over the last approximately eight months. I should have questioned this deal from the beginning when we had to resign paperwork at least twice after the deal was completed. Once when we returned to the dealership after a panicked call from the salesman and once when the salesperson came to our home to resign paperwork. I joking told him if we had to sign a third time I would only sign if he traded for the other color vehicle I wanted in the first place. We never got the gift card we were promised for the inconvenience. I also never got the touch up paint I was promised either.

I feel this lender is a predatory lender and should not be allowed to operate not only in the state of Pennsylvania but any state.

Please find below/attached any relevant documentation, including : A copy of my original loan/lease agreement ( if available ) Proof of repossession XXXX XXXX  Video pictures,, Receipt from XXXX XXXX ) My contact attempts with the lender ( listed above )

Company response to consumer: Closed with explanation