Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Subject : Formal Request to Reopen Complaint Against Global Lending Services ( Complaint ID : XXXX ) and Submission of New Evidence To Whom It May Concern, I am formally requesting the reopening of my complaint against Global Lending Services, LLC ( GLS ), previously identified by CFPB Complaint ID : XXXX, closed on XX/XX/2025. New evidence has surfaced, proving GLS lied in their response and engaged in further deceptive practices that require immediate investigation. 

Additionally, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. The FTC complaint number is : XXXX. 


New Evidence : DMV Confirms No Sale, No Repossession Notice, and Hidden Ownership Transfer On XX/XX/2025, I contacted the Georgia Department of Motor Vehicles ( DMV ), which confirmed the following : 1. No Sale Occurred : GLS falsely claimed that the vehicle was sold at auction and proceeds were applied to my account. This is false. 


2. New Owners Without Sale : GLS transferred the vehicle to two new owners under a new contract, without my knowledge, consent, or any notification to me.

3. No Repossession Notice Filed : The DMV had no record of a repossession notice from GLS. This means GLS did not properly report the repossession as required by Georgia law.

4. No Original Contract in DMV Records : The DMV does not have the original contract associated with my purchase of the vehicle. The only record they have is connected to the new owners.

5. Burden of Proof on Me : I had to personally prove that I was the original owner of the vehicle by providing documentation, which GLS failed to submit.

Previous Issues ( Still Unresolved ) : These recent discoveries add to GLSs previous violations, which they never properly addressed : 1. Improper Repossession & Failure to Provide Proper Notice : GLS repossessed my vehicle without properly notifying me at my correct address, which at the time was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX. 

GLS falsely claimed they mailed repossession notices to that address. No mailed notice was ever received.

When I contacted GLS about the repossession, they never informed me of the vehicles location and only after persistent questioning did they mention that an email had been sent.

Upon checking, I found the email had gone to my junk mail folder. This email was the only notification GLS provided about the repossession no formal letter was mailed as required by law. 



2. Address Misreporting : After repossession, GLS suddenly changed my address on file, despite having the correct address for years. This prevented me from receiving further communications about the vehicle.

3. Failure to Retrieve Belongings : GLS refused to disclose the vehicles location, preventing me from recovering my personal belongings. They claimed a recovery team would contact me, which never happened. 



4. Loan Term Manipulation : My original loan was for 60 months, yet GLS extended it to 80 months without consent, inflating finance charges.

5. Excessive Finance Charges and GAP Insurance : Unexplained finance charges and improper GAP insurance were added without proper disclosure.

6. No Disclosure of Vehicle Sale Details : GLS never disclosed the vehicles sale details. The DMV has now confirmed that the vehicle was never sold.

7. Inaccurate Credit Reporting : GLS continues to report inaccurate and misleading information about the repossession and loan terms to credit bureaus, despite multiple disputes.

8. Refusal to Release Call Logs : GLS previously admitted to address errors in a separate CFPB complaint but now refuses to release call logs that would confirm their wrongdoing.

Pattern of Misconduct : GLS has a documented history of consumer complaints and legal scrutiny, including : Prior CFPB Complaints : Numerous consumers have reported similar misconduct. 

XXXX XXXX XXXX XXXX XXXX XXXX  Complaints : GLS has faced 425 complaints in the past three years regarding improper practices. 

Legal Actions : Cases such as XXXX XXXX XXXX XXXX XXXX highlight GLSs pattern of deceptive behavior. 


Requested Actions : I am requesting the CFPB to : 1. Reopen My Previous Complaint : Complaint ID XXXX must be reopened with the new evidence from the Georgia DMV. 


2. Conduct a Full Investigation : Investigate GLSs deceptive lending practices, improper repossession, false reporting, address misrepresentation, and handling of ownership transfers.

3. Demand Original Documentation : Compel GLS to provide the original vehicle contract and all documentation they submitted to the DMV related to the repossession and vehicle ownership transfer.

4. Impose Penalties : Enforce financial penalties for GLSs violations of consumer rights and deceptive practices.

5. Compensation : Ensure I am properly compensated for the financial harm caused, including the loss of personal belongings.

6. Recover Misappropriated Funds : Investigate the financing charges and funds collected on the vehicle after the alleged repossession. I want every cent returned that GLS unlawfully gained from this situation.

7. Correct Credit Reporting : Compel GLS to remove all inaccurate credit reporting regarding the repossession and loan terms.

8. Release Call Logs : Compel GLS to release call recordings that document their acknowledgment of errors. 


This is a clear case of consumer fraud, title washing, and illegal repossession practices. I am demanding a full investigation and strict enforcement action against Global Lending Services. The FTC is already investigating under complaint number XXXX. I expect swift action from the CFPB to hold GLS accountable. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation