Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: OH

Complaint narrative:
In XXXX XXXX XXXX I was forced to file bankruptcy due to some bills my ex left me with. Up until then my credit score was XXXX. I had myself just purchased an XXXX the previous yr, attorney urged me to turn it in. I did, and went and got a XXXXXXXX XXXX. In XXXX of XXXX, I wanted to trade the XXXX for another XXXX. I went to XXXX XXXXXXXX XXXX. After bankruptcy I was still over a XXXX credit score. I walked in w {$3000.00} cash to put down. 5 yrs prior to my bankruptcy i did voluntarily return a car to a lender because it kept breaking down and they wouldn't work w me. I settled that debt and the account was closed. Aside from that, I had not missed a single payment on anything for nearly XXXX yrs. 
XXXX XXXX after a few hrs showed me a XXXX XXXX with XXXX miles. My fiance and I discussed it and decided we liked it. My salesman instead of taking my trade urged me to give the XXXX back to the bank ( which we did not do but did later sell the vehicle ), that they didn't want it as a trade ( XXXX limited with XXXX miles ). I needed something w lower miles as XXXX XXXX quite a bit for work. When he brought me the payment amount it was at {$630.00}. Not what I wanted to pay, but I sorta understood i was fresh out of a bankruptcy. So, credit over XXXX, {$3000.00} cash down AND a cosigner. Go in to sign papers ( mind you, they let me leave w this vehicle XX/XX/XXXX - we didn't have a loan until mid XXXX because both XXXX XXXX and global kept losing our paperwork which i still have all texts to confirm ). So we go to sign, of course they throw in gap and extended warranty. 
Now payment is up to {$670.00}. At this time I was making around {$28.00} an hr. So, {$28.00} per hr wages, {$3000.00} down w a cosigner. I felt i had no choice but to sign at that point I'd already had vehicle for 2 months. 
This car was a nightmare from the start. All kinds of electrical issues, warning lights, things breaking off and a very serious vibration that XXXX XXXX was made aware the day it left their lot ( they literally only let XXXX XXXX it barely XXXX miles on XXXX XXXX ). They fixed absolutely not 1 single issue and currently this weekend my engine is getting torn apart to see what's wrong with it. Engine light has been on for 8 months. XXXX XXXX is aware. Extended warranty covered literally nothing. Not only that but I was not aware my warranty was only good for XXXX miles - that's less than 5 months for me. I drive minimum XXXX miles a week for work, then add in daily life miles. Looking over the paperwork I see the bottom line after interest when I finally pay this off is around {$52000.00}! What! The current blue book value on this car is at best XXXX. I've just now had it a year. I've tried to ask global to refinance the loan, which they refuse. And noone else will because loan to value is XXXX off. I can't keep making this payment AND repairing the vehicle. It's one or the other. I clearly at the time could afford the vehicle on my wages, clearly brought in cash a decent down payment, had a cosigner.... this was absolutely predatory is my belief. Yes, I had a bankruptcy. But it wasnt because I wasnt paying my bills. I was not behind on anything when I filed that. I only filed to wipe out what debt wasnt mine that the ex had left me with and attorney said get rid of all of it. I can't keep making a house payment on a XXXX XXXX XXXX XXXX that isn't worth even half of the bottom line of what this company is financing. It shows payoff is around {$23000.00} ( XXXX if i keep making payments til paid off ). This is INSANE! This should be illegal. I can't with this vehicle anymore. Between the mechanical issues and payment im financially broke. I have all documentation. They need to refinance this .. in the very least. It's the least they could do. They shouldn't be allowed to rob me XXXX when I was clearly able to afford a payment and clearly had a fabulous track record prior to filing bankruptcy.

Company response to consumer: Closed with explanation