Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Complaint Summary I am filing this complaint regarding Global Lending Services continued telephone harassment and improper third-party contact after I explicitly requested all correspondence be conducted via mail or email only, as well as unfair collection practices related to a vehicle GLS has acknowledged has no value. 



Detailed Timeline of Events Vehicle Defect & Loan Background The financed vehicle, a XXXX XXXX XXXX, became non-operational due to a major engine defect requiring full engine replacement. 
XXXX XXXX XXXX advised that the repair was not covered due to the vehicle exceeding XXXX miles. 
The vehicle has over XXXX miles, is not drivable, and can not be economically repaired. 
My monthly loan payment is {$390.00}, which I became unable to afford due to the vehicle failure and the need to obtain alternative transportation. 



Voluntary Surrender Attempt On XX/XX/XXXX, I completed and submitted voluntary surrender paperwork to Global Lending Services due to the vehicle being non-operational.

I acted in good faith and fully cooperated with the surrender process. 



Hardship Request & Written Admission of Worthless Collateral On XX/XX/XXXX, I contacted Global Lending Services via email requesting hardship forbearance and payment assistance to avoid default. 
On XX/XX/XXXX, Global Lending Services responded via email, stating that the vehicle was not of any value due to needing a new engine, and declined to retrieve the vehicle. 
On XX/XX/XXXX, Global Lending Services informed me that the only option was to continue making full monthly payments and offered only a one-month payment pause, contingent upon first bringing the account current. 



Continued Collection Activity & Harassment Despite acknowledging that the collateral has no value and refusing voluntary surrender, Global Lending Services continued calling me multiple times per day regarding the account. 



Request for Written-Only Communication On XX/XX/XXXX, I communicated to Global Lending Services by phone that all future communication must be submitted via email or mail only. 
This request was made clearly and directly to stop telephone contact. 



FDCPA Violations Third-Party Contact Despite my written-only communication request, Global Lending Services contacted XXXX XXXX associated with me : On XX/XX/XXXX, Global Lending Services contacted XXXX XXXX XXXX mine regarding this account. 
On XX/XX/XXXX, Global Lending Services contacted another associate of mine regarding this account.

Global Lending Services already had direct communication with me and my correct contact information at the time of these XXXX-party contacts. 
These contacts were not for location purposes and occurred after my request for written-only communication. 



Why This Is a Violation Global Lending Services actions may constitute violations of the Fair Debt Collection Practices Act, including but not limited to : FDCPA 1692c ( b ) : Improper third-party communication FDCPA 1692d : Harassment and abuse ( repeated phone calls ) FDCPA 1692c ( a ) : Failure to honor communication preferences Actions Taken by Me Submitted voluntary surrender paperwork on XX/XX/XXXX Requested hardship forbearance in writing on XX/XX/XXXX Attempted to resolve the matter in good faith Requested written-only communication on XX/XX/XXXX Ceased engaging in phone discussions Began documenting all contact attempts and violations Statement of Intent My intent is resolution, not avoidance of responsibility. I have acted in good faith at all times. Continued collection activity and XXXX-party contact after clear notice causes unnecessary harm and may constitute unlawful conduct.

Company response to consumer: Closed with explanation