Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: MO

Complaint narrative:
To Whom It May Concern, This correspondence serves as a formal dispute, demand for debt validation, cease-and-desist notice, and demand for refund of my original down payment in connection with the above-referenced charged-off account. This letter is submitted in connection with a Consumer Financial Protection Bureau ( CFPB ) complaint. 

I dispute this alleged debt in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and allege that the underlying transaction involved fraud, misrepresentation, and violations of federal consumer protection law, rendering the obligation unenforceable. 

This is not a refusal to pay, but a lawful demand for proof and remediation. 

I. DEMAND FOR VALIDATION AND PROOF OF LEGAL STANDING Please provide strict proof of your authority to collect, including : Ownership and Standing A complete, unredacted Bill of Sale The full chain of assignment from the original creditor to your company Proof that this specific account was transferred, not merely referenced in bulk data See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Debt buyer must prove ownership of the specific account ) Original Contractual Obligation A copy of the original signed contract or retail installment agreement All disclosures required under the Truth in Lending Act ( TILA ) See : In re XXXX, XXXX XXXX. XXXX ( XXXX. XXXX XXXX XXXX ) ( Failure to produce original agreement defeats enforceability ) Original Down Payment Documentation Proof of the down payment, including amount, date, and method of payment Accounting of how the down payment was applied II. MOTOR VEHICLE DOCUMENTATION ( IF APPLICABLE ) If this account arises from a motor vehicle transaction, please also provide : A copy of the certificate of title Proof of lien placement and any lien release Documentation identifying the current owner of the vehicle Accounting of any repossession or sale proceeds See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX ) ( XXXX must possess documentation substantiating auto loan claims ) XXXX. FRAUD, MISREPRESENTATION, AND DEMAND FOR DOWN PAYMENT REFUND The underlying transaction was induced by fraud and/or material misrepresentation, including but not limited to inaccurate disclosures, unlawful contract terms, and failure to comply with federal consumer protection statutes. As a result, the contract is void or voidable, and any funds paid must be returned. 

Pursuant to federal law : Fraud in the inducement voids contractual obligations See : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Utah XXXX ) Consumers are entitled to restitution of monies paid under unlawful or deceptive practices See : FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to provide accurate disclosures violates the Truth in Lending Act, entitling the consumer to rescission and restitution XXXXe : 15 U.S.C. 1635 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Accordingly, I hereby demand a full refund of my original down payment, as retention of these funds constitutes unjust enrichment and an ongoing consumer law violation. 

IV. CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist all collection activity and communication, including telephone calls, letters, credit reporting, or legal action, unless and until you provide the validation requested herein. 

V. CREDIT REPORTING AND CFPB NOTICE Reporting or continuing to report this disputed account without proper verification may violate the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) This correspondence is submitted for CFPB review and record, and I reserve all rights and remedies available under federal and state law. 

Please respond in writing only.

Company response to consumer: Closed with explanation