Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Global Lendings handling of my auto loan, which involves misrepresentation, improper spot delivery, contradictory payment instructions, and inaccurate delinquency reporting. 

Vehicle Purchase and Initial Financing Representations On XX/XX/year>, I purchased a vehicle from a New Jersey dealership and signed a Retail Installment Sales Contract. I provided a {$500.00} down payment and was allowed to take delivery of the vehicle under the representation that financing had been arranged through Global Lending. 
Failure to Timely Process Financing On XX/XX/year>, after hearing nothing regarding my financing, I contacted Global Lending directly. I was informed that there was no information for me in your system, despite the dealership stating that financing was already in place. 
On XX/XX/year>, I received a call from Global Lending to complete my application. During that call, I disclosed issues with the vehicle that required repair. I was instructed to call back once the issues were fixed and was told that my payment, which was allegedly due XX/XX/XXXX, would be pushed back. 
Recorded Misrepresentation Regarding First Payment On XX/XX/year>, after the vehicle issues were repaired, I contacted Global Lending again to confirm my payment status. During this call, a Global Lending representative placed me on hold to speak with a supervisor and then explicitly informed me multiple times that I would not be responsible for the first payment and that the dealership would be responsible, based on notes she reviewed in Global Lendings system. 
I relied on this representation. I have a lawful recording of this call ( New Jersey is a one-party consent state ). 
Contradictory Statements and Missing Notes Subsequently, Global Lending reversed this position and claimed : There are no notes supporting the statement I was given I am responsible for the first payment A payment is required to start financing I was also given contradictory information about whether the representative I spoke with was from finance or funding, further undermining the credibility of the information provided. 
Requiring a payment to start financing after a Retail Installment Sales Contract was signed and the vehicle delivered is improper and strongly suggests that financing was never properly funded. 
Registration Failure and Dealer Noncompliance My temporary tags expired on XX/XX/year>. Despite repeated inquiries, the dealership failed to timely complete registration. 
On XX/XX/year>, we contacted dealership management and were directed to speak with the registrar. We were informed the plates would arrive at the dealership on XX/XX/XXXX. No one contacted me. 
On XX/XX/year>, after I again initiated contact, I was falsely told that attempts had been made to reach me and that voicemail could not be left. My voicemail was empty. 
That same day, I went in person to the dealership and was required to pay {$520.00} to obtain my permanent plates a cost that arose solely due to dealership and processing failures, not my own. 
Improper Delinquency Notices Despite : Financing disputes Recorded misrepresentation Unclear funding status Dealer-caused delays My reliance on Global Lendings instructions Global Lending has now sent letters dated XX/XX/year> stating that I missed XXXX and XXXX payments. 
I dispute the validity of any alleged delinquency. Reporting missed payments under these circumstances is inaccurate, misleading, and harmful. 
Violations and Concerns This matter involves : Misrepresentation by a lender representative Improper spot delivery practices Failure to properly fund or timely process financing Contradictory and misleading payment demands Inaccurate delinquency reporting Consumer harm caused by dealer and lender misconduct Formal Requests I formally request : Written confirmation of whether this loan was ever funded Correction of any inaccurate delinquency reporting Cessation of all collection activity while this dispute is under review Preservation of all call recordings, notes, and internal communications Reimbursement consideration for costs incurred due to dealer/lender failures This account is formally disputed. Any further adverse action while this dispute is pending will be contested through regulatory and legal channels. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX

Company response to consumer: Closed with explanation