Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Complaint Regarding Deceptive Practices, Failure to Disclose, and Request for Remedy I am writing to file a formal complaint regarding the purchase of a XXXX XXXX XXXX on XX/XX/XXXX. The dealership engaged in several deceptive practices, including misrepresenting the sale price of the vehicle, failing to fix or disclose an open life threatening safety recall, providing misleading loan instructions, and failing to disclose dealer fees. Additionally, I am requesting reimbursement for the expenses I have incurred as a result of these issues, including gas mileage, insurance, monthly loan payments, and new tires. 

Below are the details of the issues I encountered : XXXX. Misrepresentation of Vehicle Sale Price : At the time of purchase, I was told that the price of the vehicle was {$8700.00}, which was listed in the Bumper Vehicle History Report. However, the Buyers Order showed the sale price as {$10000.00}, a difference of {$1300.00}. 
The dealership did not explain this discrepancy, and I was not provided with a clear breakdown of why the price was higher than initially advertised. 
This misrepresentation of the sale price violates the Truth in Lending Act ( TILA ), which requires full and clear disclosure of the sale price, including any fees and additional charges.

2. Undisclosed Dealer Fees : The Buyers Order listed N/A for dealer fees, but the loan contract included a {$990.00} dealer fee.

The dealership did not disclose this fee in the Buyers Order but included it in the loan contract.

This failure to disclose the dealer fee violates TILA, which mandates that all charges in the credit transaction be clearly stated, and any hidden fees or undisclosed costs should be outlined. 
XXXX. Open Safety Recall Not Disclosed : I discovered that the XXXX XXXX XXXX I purchased had an open safety recall at the time of sale. The recall, which was issued for a potential engine compartment fire, was not disclosed to me by the dealership. 
According to the XXXX website, the recall notification was sent to owners on XX/XX/XXXX, yet I was not informed of this recall prior to purchasing the vehicle. 
The recall was repaired at no cost to me on XX/XX/XXXX, but I still believe the dealership violated my rights under consumer protection laws by failing to disclose this critical safety information at the time of purchase. 
XXXX. Deceptive Practices in Loan Approval : After I signed the contract and took possession of the vehicle on XX/XX/XXXX, I received an email from Global Lending Services ( GLS ) congratulating me on the purchase and stating that they would conduct a welcome call to finalize the loan. 
This email clearly states : As your lender, GLS will conduct a welcome call to ensure that you have all the information that you need for your loan. The email specifically stated that the welcome call must be completed in order to finalize the loan. 
However, I had already signed for and taken possession of the vehicle at XXXXXXXX XXXX 
This indicates that I had possession of the vehicle before the loan was fully processed and before the mandatory welcome call was completed, which is a deceptive practice by the dealership. 
XXXX. Instruction to XXXX XXXX XXXX : I was told that I needed a {$2500.00} down payment, with {$1500.00} paid at the time of purchase and the remaining {$1000.00} due XX/XX/XXXX. 
I was instructed by the dealership to tell Global Lending Services during the welcome call that I had paid the full {$2500.00} down payment, even though I had only paid {$1500.00}. I later received a email and a call the following week from Global Lending Services stating I must complete interview to finalized contract. 
This instruction to misrepresent the down payment amount is deceptive and could potentially affect the loan approval process. 
6. Violation of the Truth in Lending Act ( TILA ) : TILA requires full disclosure of the cost of credit, including the APR, fees, and other terms of the loan. In this case, the dealership misrepresented the sale price, added undisclosed dealer fees, and provided incomplete information about the loan terms. 
XXXX. Discrepancy in Sale Price and Contract Price : The vehicle was advertised to me for {$6700.00} ( I have attached proof if the advertisement showing I was made aware of this advertisement XX/XX/XXXX and purchased the vehicle on the same date, in my proof you can see my correspondence with the dealership. In the photo of the advertisement the vehicle is black, on my receipt from downpayment XXXX XXXX XXXX also listed the vehicle as black ( which I have included in my attaches ) the car I signed the contract for is not black, ( Ive also included pictures and dates of the pictures I took at the dealership before driving off the lot showing the actual color of vehicle. ) Nor did I pay for the price that was advertised. In the contract the vehicle price is listed at {$10000.00}. Inflating the amount by an additional {$3400.00}, totaling {$12000.00} as the amount financed including dealership fees, sales taxes, gap insurance, and warranty. I signed the entire contract on an electronic keypad completely unaware of additional fees, though I was told the car comes with a warranty only to later realize they charged me for the warranty. I have text messages to the dealership showing I reached out multiple times to the dealership requesting a print out of all the documents on the electronic key pad at the time of sale. As shown I didn't get those documents until after XX/XX/XXXX. It was then that I discovered all the unknown fees that were included, as all they required form me at the was XXXX down. I have text messages showing I reach out to the dealership for a print out of all the documents I signed. Attached I have proof or several attempts of the electronic documents or print out with no response. I have attached additional advertisements XXXX listed the vehicle for.. Including XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX miles, then later reduced to XXXX on XX/XX/XXXX, then reduced to XXXX and reduced again on XX/XX/XXXX. However, the Buyers Order listed the sale price at {$10000.00} with an additional XXXX miles on date of sales price not including, dealer fees were listed as N/A, yet a {$990.00} dealer fee appeared on the loan contract. 
This discrepancy between the advertised price, Buyers Order, and loan contract indicates a lack of transparency and misrepresentation. 



Attachments : XXXX. Text communications with dealership. 
XXXX. Screen shot of advertisement of vehicle on XX/XX/XXXX XXXX. Photos actual vehicle sold to me 4. Proof of falsely representing vehicle color 5. Bumper Vehicle History Report ( showing the advertised price made by XXXX XXXX XXXX XXXX.

6. Buyers Order ( showing the sale price of {$10000.00} and dealer fees marked N/A ).

4. Loan Contract ( showing the {$990.00} dealer fee ). 
XXXX. XXXX Recall Notice ( showing the open recall issued in XX/XX/XXXX ). 
XXXX. Email from XXXX on XXXX XX/XX/XXXX ( showing the loan welcome call details and that my loan is finalized ). 
7. Text Message Screenshot ( confirming the time I signed for the car and had it in my possession at XXXXXXXX XXXX XXXXXX/XX/XXXX ). 
XXXX. Receipt for New Tires ( showing the cost of the tires purchased ). 
9. Insurance Payment Receipts ( showing the premiums paid ).

10. Loan Payment Receipts ( showing the payments made to Global Lending Services ). 
XXXX. Pick up payment receipt from XXXX XXXX XXXX showing remaining XXXX due XXXX/XXXX/XXXX that is not disclosed in sales contract.

Company response to consumer: Closed with explanation