Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC
State: MI

Complaint narrative:
I received a letter in the mail from XXXX XXXX about financing a vehicle after bankruptcy. I spoke with him on XX/XX/XXXX and explained my situation to him. I told him that my bankruptcy was just discharged on XX/XX/XXXX and that I was unemployed but receive unemployment and use money from my 401K for bills. He said that wouldn't be a problem and said I could visit the dealership that day to see their inventory. When I got there he said I was approved for a XXXX XXXX XXXX but since I was approved that I could pick something else if I wanted to. So I test drove a couple of XXXX 's but didn't really like them. So I asked to test drive the vehicle that I am financing now and when I saw it I knew I wanted that one. The mileage was low the price was decent ( before all of the extra fees and other charges ) and it drove like it was practically brand new. So I decided on the XXXX XXXX XXXX and the salesman said let 's go and make the down payment before I saw any paperwork. While I was making the down payment I asked the cashier how long the loan was and she told me 75 months. My down-payment was initially declined because my daily limit was {$5000.00} and the salesman ( who was leaning on the counter ) jumped up like he knew I didn't have the money and he had wasted his time. I called my bank to increase my limit and he said he was going back to his desk. After I settled things with my bank and my down payment went through I went back to his desk. So then he asked me to start signing the paperwork and he rushed me through all of the pages saying " sign here '' and pointing not giving me time to see that he lied on my application or that there was damage to the front end of the vehicle. My down payment was {$8000.00} the car was {$22000.00} and if I were to keep this vehicle for the entire 75 month term, I would pay almost {$42000.00}. I also drove the car on the freeway for the first time yesterday XX/XX/XXXX and an AWD Error message popped up. I called the dealership and spoke to a XXXX in the service department. XXXX asked if I had an extended warranty and told me I would have to leave the vehicle at the dealership for 24-48 hours for them to do a diagnostic check. I contacted them about speaking with a manager and no one called me back. I called back and spoke with someone who said that they usually ask for a down payment before signing paperwork. I waa transferred tothe person who sold me the car and he lied about saying that I had time to review the paperwork ( he rushed because I had already made the down payment ). He also said that on the application he had to put retired ( which is false I am unemployed ) because there were only three options working, disabled or retired. He also lied about my rent payment not being accurate. The salesman also added a {$3500.00} extended warranty which I dont need since the car is still under is its original warranty. When I spoke to a manager named XXXX he implied that I agreed to the the incorrect information on my application because they knew I needed a car. I didn't see the actual application and I was rushed through signing the contract because they ask for the down payment first and I already felt " locked '' in at that point. So in summary, XXXX XXXX falsified my XXXX XXXX XXXXpplication, I was not informed that the car had previous front end damage in XXXX of XXXX, the Odometer number on the XXXX is higher than the Odometer on the car and I was rushed through signing the contract so I wouldn't see the all of the red flags and issues

Company response to consumer: Closed with explanation