Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Company : Global Lending Services LLC Account : Global Lending Services account ending in XXXX State : Florida I am filing this complaint against Global Lending Services LLC for willful violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Floridas Uniform Commercial Code arising from unlawful credit reporting and an invalid repossession deficiency claim. 

The vehicle securing this account was voluntarily surrendered. Global Lending Services disposed of the collateral and now reports this account as a charged-off repossession with a remaining balance. This reporting is materially false, misleading, and unsupported by legally required proof.

Global Lending Services has provided only a post-sale notice, which is legally insufficient under Fla. Stat. 679. To lawfully claim or report a deficiency, Global Lending Services must demonstrate strict compliance with all statutory and contractual requirements. To date, it has failed to produce verification of the following mandatory elements : Repossession & Disposition Compliance Proof of a legally compliant pre-sale notice, including the exact date sent, method of delivery, and address used Proof the pre-sale notice contained all required statutory disclosures Proof identifying the exact date, location, and method of sale Proof whether the disposition was public or private Proof of the commercial reasonableness of the sale, including fair market valuation, auction records, and comparable sales data Collateral Valuation & Sale Proceeds Proof explaining how the sale price was determined Proof the vehicle was not sold at a wholesale or insider discount Proof of odometer condition, vehicle condition report, and reconditioning adjustments Deficiency Balance & Accounting Proof of the original principal balance at the time of surrender Proof of all payments credited prior to charge-off Proof of how interest was calculated and whether interest accrued post-repossession Proof itemizing each alleged repossession, storage, auction, transport, and legal fee with invoices and vendor identification Ancillary Products & Credits Proof of GAP cancellation , refund calculation, and date applied Proof of cancellation or refund of any service contracts or extended warranties Proof that all refundable products were applied to reduce the balance Right to Collect & Furnish Proof of contractual authority to pursue a deficiency after voluntary surrender Proof of legal standing to collect the alleged balance Proof of compliance with FDCPA validation requirements prior to collection activity Under Florida law , failure to strictly comply with any repossession or disposition requirement bars enforcement of a deficiency balance. An unenforceable deficiency is not legally reportable under the FCRA. 

Despite lacking the ability to substantiate these required elements, Global Lending Services continues to willfully : Furnish inaccurate and misleading credit information Report a balance that is not capable of verification Mischaracterize the account status as a charged-off repossession Omit the voluntary surrender designation Engage in ongoing collection activity through calls and text messages without lawful validation This conduct constitutes reckless and knowing noncompliance with federal and state law and exposes Global Lending Services to liability for statutory, actual, and punitive damages. 

I am demanding that the CFPB require Global Lending Services LLC to : Immediately delete this account from all consumer reporting agencies Immediately cease all collection activity related to this alleged deficiency Provide written confirmation that the account has been permanently removed and closed with a zero balance Any continued reporting or collection activity without full, documented legal substantiation will constitute willful noncompliance and will be preserved as evidence for further regulatory and legal action.

Company response to consumer: Closed with explanation