Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX'I financed a XXXXXXXX XXXX XXXX with Global Lending Services (GLS). The vehicle was totaled on XXXX XXXX XXXX, the morning after XXXX. I contacted GLS the same day to report the total loss and provided all required information.\n\n1. GLS never retrieved the totaled vehicle\n\nThe vehicle was towed to XXXX XXXX XXXX XXXX XXXX GLS was notified immediately.\nOn XXXX XXXX XXXX during a call with an escalations representative named XXXX, I was told GLS decided not to retrieve the vehicle because they believed it would cost more to pick up than they would make from selling it.\n\nThis decision was made without notifying me, and I was never given the opportunity to retrieve the vehicle myself or arrange a sale. The vehicle has been sitting at the tow yard since XXXX XXXX GLS failed to provide an updated balance for over four months\n\nFrom XXXX XXXX XXXX XXXX XXXX XXXX, I repeatedly contacted GLS for an updated deficiency balance and sale information.\n\nI emailed GLSs Impound Recovery Coordinator, XXXX XXXX, on XXXX XXXX XXXX and again on XXXX XXXX XXXX, but received no response. I provided photos of the vehicle as requested.\n\nDespite multiple calls and emails, GLS did not provide any updated balance until I escalated the issue on XXXX XXXX XXXX. I was then told the balance remained approximately $XXXX because GLS never retrieved or sold the vehicle.\n\n3. GLS is attempting to charge off the account without providing required documentation\n\nGLS informed me that my account will be charged off at XXXX days past due, even though:\n\n They never retrieved the collateral\n They never sold the collateral\n They never notified me of their decision\n They failed to provide an updated balance for four months\n They failed to respond to my written inquiries\n\n\nI received a payoff letter dated XXXX XXXX XXXX showing a payoff of $XXXX, but this does not reflect any sale or disposition of the vehicle.\n\nCharging off an account without providing required information about the disposition of the collateral is improper and prevents me from understanding or resolving the debt.\n\n4. GLS refuses to offer any reasonable resolution options\n\nDespite my goodfaith efforts, GLS refuses to:\n\n Offer a temporary payment arrangement\n Offer a hardship plan\n Offer a duedate extension\n Provide any structured way to bring the account current\n\n\nI was told my only options were to refinance elsewhere or allow the account to charge off.\n\n5. I have made consistent goodfaith payments\n\nMy payment history since the accident includes:\n\n XXXX XXXX (GAP payment)\n XXXX XXXX\n XXXX XXXXnI have continued making payments even without receiving the required information from GLS.\n\n6. I am being harmed by GLSs inaction\n\nBecause GLS failed to retrieve or sell the vehicle, failed to notify me, and failed to provide an updated balance for months, I am being held responsible for a full deficiency balance that should have been reduced by a sale. I am also being threatened with chargeoff despite actively trying to resolve the account.'

Company response to consumer: Closed with explanation