Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Give feedback Go ad-free K Conversation View Sent ( No subject ) XXXX XXXX To : me Fri, XX/XX/XXXX at XXXXXXXX XXXX To : Global Lending Services LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and IRS Form 1099-C Account [ Insert Last 4 Digits of Account Number ] To Whom It May Concern, I am writing to formally request full validation and clarification of the alleged account you are reporting to the credit bureaus under the name Global Lending Services, with the last four digits of the account number being [ Insert Number ]. According to my credit report, this account is being report XXXX XXXX To : me Fri, XX/XX/XXXX at XXXX XXXX  Message Body To : Global Lending Services LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and IRS Form 1099-C Account 'global Lending Services '' To Whom It May Concern, I am writing to formally request full validation and clarification of the alleged account you are reporting to the credit bureaus under the name Global Lending Services According to my credit report, this account is being reported as charged off, yet it continues to show a balance, inconsistent reporting dates, and a written-off amount that differs from the current balance. This raises questions about the validity, ownership, and status of the account, which I have a legal right to verify. 



Specific Items I Am Requesting : 1. Complete account validation, including : Original contract or signed agreement. 

Full payment history. 

Breakdown of the balance, interest, fees, and payments. 

Clarification on whether the account has been sold, transferred, canceled, or retained. 

2. IRS Form 1099-C : If this debt has been canceled, forgiven, or written off for tax purposes in any amount over {$600.00}, under IRS regulations , you are required to issue and provide a copy of Form 1099-C ( Cancellation of Debt ) to both myself and the IRS.

To date, I have not received any such documentation. 

If a 1099-C has already been issued, please provide a copy of that form. If not, please confirm in writing that no cancellation of debt has occurred.

3. Ownership Clarification : If the debt has been sold or transferred to another entity ( such as a collection agency or debt buyer ), please provide : The name and contact information of the new owner, The date of the transfer, And verification that your company no longer owns or has the legal right to collect on or report this debt. I am aware of many lawsuits against GLobal Lending Services such as Active and Past Lawsuits Against Global Lending Services 1. Butler v. Global Lending Services ( District of Maryland ) Filed in XXXX, this lawsuit alleged violations of the Truth in Lending Act and the Fair Debt Collection Practices Act. 

The court dismissed the case in XX/XX/XXXX. 

XXXX. Patushi v. Global Lending Services ( District of Connecticut ) A case involving breach of contract regarding a car finance agreement was filed ; XXXX successfully compelled arbitration. 

3. Turner v. Global Lending Services LLC et al. 

A more recent filing ( ~1.4 years ago ) in an unspecified federal district court ; still appears active.

4. FCRA Class Action : XXXX XXXX et al. 

Includes XXXX  among defendants. Filed XX/XX/XXXX, it alleges unauthorized credit inquiries in violation of FCRA. This suit appears ongoing. 

XXXX. Consumer Complaints ( XXXX  & CFPB ) XXXX has faced dozens of consumer complaints for billing, collection practices, credit reporting inaccuracies, and customer service issues. 



Summary of Current Lawsuit Status Active Cases : XXXX XXXX XXXX ( filed XXXX years ago ; status unclear from public summaries ). 

FCRA class action involving XXXX XXXX & XXXX ( filed XXXX XXXX ; still in process ). 

Dismissed/Old Cases : XXXXXXXX XXXX XXXXXXXX dismissed in XX/XX/XXXX. 

XXXXXXXX XXXX XXXXS now in arbitration. 

Complaints : Multiple ongoing complaints appear through XXXX and CFPB channels. 



Legal Notices : I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers to report accurate, complete, and current information. 

If this account has been canceled and no longer legally owed, continued reporting of a balance may be considered both inaccurate and misleading, and could constitute willful noncompliance with the FCRA and IRS regulations.

Please also be aware that under 15 U.S.C. 1692g ( b ) of the FDCPA, once validation is requested, all collection efforts and negative reporting must cease until verification is provided.

I am requesting a written response within 30 days of receipt of this letter. If I do not receive proper validation or clarification regarding the 1099-C or the legal status of this account, I will take further action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the IRS, and other applicable authorities. I also reserve my right to pursue legal remedies. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation