Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MO

Complaint narrative:
Maybe you XXXX will actually call this time. I will continue to file until civil case is filed or you XXXX pay your XXXX fees to the XXXX so we can arbitrate and bankrupt this XXXX company. CFPB Rebuttal GLS Failure to Investigate, Misrepresentation, and BadFaith Handling Re : GLS Response Dated XX/XX/year> Rebuttal and Demand for Regulatory Review To the Consumer Financial Protection Bureau : This is my formal rebuttal to the response submitted by Global Lending Services LLC ( GLS ). Their reply is factually incorrect, legally deficient, and demonstrates a pattern of willful noncompliance with federal law. GLS continues to recycle the same boilerplate denial without addressing the actual violations raised. Below is a pointbypoint breakdown of the inaccuracies and omissions in their response. 1. GLS did NOT conduct a reasonable investigation ( FCRA 1681s2 ( b ) ) GLS claims it reviewed the matter, yet : They never addressed the inaccurate credit data used during underwriting. They never verified the fraud alert procedures required under 15 U.S.C. 1681c1 ( h ). They never contacted me, the consumer, during the investigation. They never provided documentation showing what credit score or bureau data they relied on. They never reconciled the discrepancies between the score they used and the corrected scores issued afterward. A reasonable investigation requires actual verification, not a copyandpaste denial. 2. GLS falsely claims they completed required fraudalert verification Under FCRA 1681c1 ( h ), a lender must : Contact the consumer directly, Use the phone number listed in the credit file, Obtain additional identity verification, And document the verification. GLS has produced zero evidence that any of these steps occurred. Their statement that required verification steps were completed is unsupported, unverified, and contradicted by the facts. 3. GLS continues to furnish inaccurate information ( FCRA 1681s2 ( a ) ) GLS claims the tradeline is accurate, yet : The loan was underwritten using incorrect credit data. The APR and tier assignment are therefore inaccurate by definition. GLS refuses to correct the account despite being notified multiple times. GLS continues reporting negative information while the account is under active dispute, violating FCRA 1681s2 ( a ) ( 3 ). This is not a difference of opinion it is a statutory violation. 4. GLS misrepresents its inability to modify the contract GLS states it can not alter the terms of an executed contract. This is false. When a lender uses inaccurate or unverified credit information, the contract is : Defective, Unenforceable as written, and Subject to mandatory correction under federal law. The FCRA does not allow a lender to hide behind a contract created using incorrect data. 5. GLS misled the CFPB regarding XXXX arbitration GLS claims XXXX confirmed all required registration items have been filed. This is demonstrably false. XXXX has already stated that GLS : Fails to pay required arbitration fees, Fails to comply with XXXX Consumer Rules, Is not in good standing, and Will not be administered until GLS cures its deficiencies. This is a material misrepresentation to a federal agency. 6. GLS ignored multiple issues raised in the complaint GLS did not address : The incorrect credit scores used during underwriting, The failure to rerate the loan after corrected scores were issued, The failure to correct paymentposting errors, The failure to stop negative reporting during dispute, The failure to comply with identitytheft procedures, The failure to provide required documentation, The failure to respond to multiple disputes within statutory timelines. Their response is not an investigation it is a refusal to investigate. 7. Pattern of badfaith conduct GLS has now : Ignored multiple disputes, Provided contradictory statements, Misrepresented facts to the CFPB, Refused to correct known inaccuracies, Failed to comply with FCRA, ECOA, and CFPB regulations, And attempted to hide behind a contract created using faulty data. This is a pattern of willful noncompliance, not an isolated error. Requested CFPB Action I request that the CFPB : Require GLS to produce documented proof of fraudalert verification. Require GLS to provide the exact credit data used during underwriting. Require GLS to correct the account, including : APR, Tier assignment, Amortization, Payment history, And all negative reporting. Investigate GLSs misrepresentation regarding XXXX arbitration. Investigate GLS for systemic FCRA violations. Conclusion GLSs response is incomplete, inaccurate, and intentionally evasive. Their refusal to correct known errors is a clear violation of federal law. I request full regulatory review.

Company response to consumer: Closed with explanation