Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On the evening or night of XX/XX/XXXX, a XXXX XXXX XXXX was repossessed from my private residence. This action was initiated by Global Lending, who contracted XXXX XXXX XXXX, which in turn contracted XXXX XXXX XXXX  The vehicle was taken from private property without consent for an alleged debt, constituting trespass. At the time of repossession, the vehicle contained significant personal and religious property. 
Upon discovering the vehicle was missing the following day, I contacted the police, who informed me it had been towed. I immediately contacted Global Lending Solutions to ascertain the vehicle 's location and retrieve my personal belongings. My contract with Global Lending explicitly states, If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. It does not mention that they would engage a third party who would then contract a fourth party, nor does it imply that my personal property would be withheld. Global Lending sold my information to a third party, leading to this chain of events. 
When I contacted XXXX XXXX XXXX to retrieve my belongings, I was informed I could not do so the same day and needed to schedule an appointment. The closest scheduled appointment was XX/XX/XXXX ( three days after repossession ). However, I explained to agents the need for my personal property was immediate and the contract between Global Lending and myself did not state a waiting period for my personal property. No instructions were provided via email or text regarding the retrieval process, only confirmed appointment ( attached in uploads ). 
Upon arriving at the unmarked property for my appointment, I was met by a woman ( who refused to disclose her name or title ). After identifying myself and the vehicle, she demanded the car keys. I declined, explaining that the vehicle contained personal and religious items that I did not want touched. In response, she attempted to extort me by stating I could not obtain my personal property, despite my legal right to do so. Another male employee ( also refusing to identify himself ) emerged, corroborating this colleague, and claiming it was their protocol to prevent individuals from accessing the property. When I requested a copy or proof of this alleged protocol or policy, they refused, directing me to call the corporate office. 
I immediately contacted Loss XXXX XXXX and XXXX XXXX XXXX to explain the situation and request the protocol documents. Both agencies denied my request, stating they could not provide these documents. It's crucial to note there was no signage or display of the XXXX XXXX logo outside the business, nor any visible display of their alleged protocol.

The verbal exchange with the agents escalated. I reiterated my discomfort by providing them with keys to a vehicle they did not own, particularly concerning my personal and religious values. This led to a hostile back-and-forth, during which one agent called me a " little girl '' and mocked me, stating I would not be able to retrieve my belongings and that I didnt owe this vehicle. By this time, I called XXXX XXXX law enforcement was present and made multiple attempts to resolve the matter by offering to escort me on the property to retrieve belongings and/ or allowing me to drive the vehicle close to the gate so I could obtain my items. They declined again after being unable to validate their alleged protocol or policy. After several attempts by the law enforcement officer and an unpleasant encounter with the male employee, they then canceled my appointment ( uploaded in the file ). I have video recordings documenting this entire hostile encounter and exchange.

Following the appointment cancellation, I contacted another law enforcement officer, who also questioned the validity of their policy and requested the documents. As I reached out to All-Star Recovery and Global Lending XXXX XXXX to address some ongoing issues and clarify my contract, the agents referred me to their manager, XXXX, who, unfortunately, gave the same unhelpful stance. After enduring a lengthy process in the oppressive XXXX heat, I grew increasingly restless. Consequently, I felt compelled to surrender my keys to the agents to retrieve my personal belongings. I want to make it clear that I did not permit them to enter the vehicle. They then drove the vehicle to the gate so I could retrieve my belongings. This solution had been proposed hours earlier by the first officer, who had been disengaged due to the lack of resolution. 
Upon entering the vehicle, I observed that many of my items appeared to have been rummaged through, and the rearview mirror was broken. I was asked to sign an electronic document but was denied a copy. The agent, XXXX ( whose name I finally learned from the document ), stated that either Loss Prevention or Global Lending Services would provide it. 
It took approximately twelve business days of persistent calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Global Lending Services to finally obtain signed documents that I requested in real-time on XX/XX/XXXX ( This document was sent from Global Lending Services on XX/XX/XXXX, at XXXX XXXX ). However, these documents were false and misleading, with inconsistent dates and deceptively worded content. Furthermore, XXXX XXXX deliberately omitted that I had provided them with the keys, a field that was present on the document. This action could have been resolved in real time if I had been granted the requested document while at XXXX XXXX. 
Global Lending Services ( GLS ) initiated persistent contact regarding an alleged debt, demanding approximately {$19000.00} without prior provision of an invoice, bill of sale, or itemized debt breakdown. After my repeated requests, I received copies of the aforementioned documents, including my contract, which revealed numerous charges categorized as miscellaneous and lacking adequate explanation. During discussions with multiple GLS management personnel, I raised concerns regarding their repossession processes and potential breaches of my contractual rights. Notably, one manager verbally acknowledged the actions of XXXX XXXX as unlawful. Despite the alleged outstanding balance of {$19000.00}, GLS was unable to provide a detailed breakdown, furnishing only a payoff amount document. This alleged debt has recently been reported to credit bureaus. My inquiries into the discrepancy of the reported amount and references to applicable legal statutes have consistently been met with inconsistent and unsatisfactory rebuttals from Global Lending Services.

It is my firm belief that Global Lending Services ( GLS ), in collaboration with its contracted agencies, XXXX XXXX XXXX and XXXX XXXX XXXX, has been deceptive and misleading. Their actions, I believe, not only constitute a breach of our contract but have also directly violated my consumer rights, leading to potential infringements upon numerous United States codes. I conclude this because it's my firm belief that XXXX XXXX gained unauthorized entry into a gated property, accessible only by electronic application for residents. I suspect they employed unlawful and deceptive methods to access the property and seize the vehicle, which I consider a breach of peace. 
On XX/XX/XXXX, I requested and received my payment history statement. Upon review, it shows various invoices and payments added to my account after the vehicle was repossessed on XX/XX/XXXX, and subsequently sold ( either XX/XX/XXXX or XXXX, XXXX, as I have conflicting dates ). 
This raises a critical question : How can I be charged late fees for a vehicle I no longer possess? I strongly believe many of these charges are egregious and, when challenged with the GLS Escalation Department, remained unexplained. In fact, during a conversation with an Escalation AgeXXXX on the same day, it was confirmed that a {$320.00} payment for XXXX coverage was applied to my account. Nevertheless, the corresponding payment posting code is identified as a 'close-out balance, ' which, in my opinion, is both misleading and confusing. I received no written communication, either via email or postal service, regarding any additional charges, payments, or other adjustments to my account. 


Please note I have full video recording to support my engagement with XXXX XXXX XXXX Staff. I am willing to provide these upon request.

Company response to consumer: Closed with explanation