Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Global Lending Services LLC
State: MI

Complaint narrative:
CFPB COMPLAINT DRAFT Company : Global Lending Services ( GLS ) Account Holder : XXXX XXXX Account Number : XXXX What is the issue? 
Incorrect application of payments, excessive and repetitive late fees, and inaccurate account balance leading to wrongful delinquency and repossession activity What happened? ( Main complaint narrative ) I am filing this complaint because Global Lending Services ( GLS ) has repeatedly misapplied my payments, charged duplicate and recycled late fees, and maintained an inaccurate account balance, despite years of consistent payments. 
I have made regular monthly payments of approximately {$580.00} since the loan originated in XXXX. My payment history statement shows a recurring pattern where : A full monthly payment is invoiced My payment is then split into multiple partial postings ( principal XXXX small amounts such as {$17.00} {$40.00} ) Late fees are applied even though payments were made Late fees are later marked as paid, then reappear as new charges in subsequent months This pattern repeats dozens of times across multiple years. 
In many months : XXXX invoiced a full payment Accepted my payment Applied part of my payment to fees instead of principal Then charged another late fee the following cycle This creates artificial delinquency, inflates the balance, and makes it appear that I was behind when I was not. 
Specific concerns Improper payment application Payments were not applied promptly or correctly. Instead, payments were fragmented, reclassified, or applied out of order, allowing XXXX to assess additional fees. 
Duplicate and recycled late fees XXXX charges appear repeatedly, are paid, and then reappear again in later billing cycles. This resulted in excessive fees that do not reflect actual delinquency. 
Inaccurate account balance Due to the above practices, the balance XXXX reports does not accurately reflect the payments I made. I have paid well in excess of the original principal over time. 
Failure to provide clear accounting Despite requesting clarity, XXXX has not provided a clear, reconciled payment history showing how each payment was applied to principal, interest, and fees. 
Resulting harm These errors have caused financial harm, emotional distress, damage to my credit standing, and repossession-related actions based on an inaccurate account status. 
What resolution am I seeking? 
I am requesting that Global Lending Services be required to : Provide a full, written payment application ledger showing how every payment was applied Correct all misapplied payments Reverse improperly assessed late fees Recalculate the account balance accurately Cease any collection or repossession activity until the account is fully reconciled Correct any negative credit reporting caused by these errors Supporting documentation I am attaching : XXXX payment history statements showing repeated invoicing, fragmented payments, and recurring late fees Proof of payments made Additional comments I believe XXXX  conduct reflects unfair, deceptive, or abusive acts or practices ( UDAAP ) and request CFPB review to ensure my account is corrected and future harm is prevented.

Company response to consumer: Closed with explanation