|
11621822
|
2025-01-19
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2025-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11469708
|
2025-01-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
11489268
|
2025-01-12
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11725488
|
2025-01-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-26
|
|
|
11652588
|
2025-01-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
|
|
11238793
|
2024-12-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
|
|
11703634
|
2025-01-24
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11712434
|
2025-01-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11071788
|
2024-12-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11167819
|
2024-12-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
|
|
11123107
|
2024-12-11
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Company explaining amount owed
|
| Sub Product |
Loan
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Complaint What Happened |
In XXXX 1 bought from XXXX XXXXXXXX XXXX a XXXX XXXX XXXX that I had paid for 4 years at some point during the term I requested a payment extension due to the COVID-19 pandemic issue. They told me that some fees may apply. I need to mention that Global Lending Services is a financial company. Last XXXX when I was supposed to pay off the car I entered the Global Lending Service webpage that was my payment method and to my surprise, it said I owed {$1200.00} when the last payment was {$330.00}. I have talked with so many people about this including a woman that identified as XXXX 's collection manager. Yes, account in the collection before the end of the term. I request a reduction in those fees for being excessive. But was denied. Then I submit a claim for that fee. No answer regarding that. On XX/XX/XXXX without any letter or communication, they repossessed the car and requested a payment of {$1700.00}. After calling different managers including XXXX XXXX, and XXXX XXXX among others they offered to set the debt for {$990.00} and less than 15 days for that payment before they sold the car again. I requested a detailed letter of those fees and I got an email for just the {$990.00} of those {$380.00} repo charges and the {$370.00} late fee. So after paying {$15000.00} for 4 years they repo for a last payment of {$330.00} now the lot charges me {$170.00} for the return of the car already paid. That is what a company calls asset protection recovery. They confirmed that global lending services told them how much the lot would charge They also deleted the web page with the total amount due and all the history. But they still ask for {$1700.00} to pay off the car. Also, I noticed that the car has an electronic tracking device without my knowledge or consent. Violating state and federal laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11169469
|
2024-12-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
|
|
10684831
|
2024-11-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10564023
|
2024-10-24
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2024-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10458809
|
2024-10-15
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10409958
|
2024-10-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-10
|
|
|
10405744
|
2024-10-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6509462
|
2023-02-01
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6597866
|
2023-02-21
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2023-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-21
|
| Complaint What Happened |
global lending services denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a )
|
| Consumer Consent Provided |
Consent provided
|
|
|
7193462
|
2023-06-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7184053
|
2023-07-01
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2023-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-01
|
| Complaint What Happened |
The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7169371
|
2023-06-26
|
Problem with a credit reporting company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Loan
|
| Date Received |
2023-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-26
|
| Complaint What Happened |
Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5983983
|
2022-09-15
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Denied request to lower payments
|
| Sub Product |
Loan
|
| Date Received |
2022-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-15
|
| Complaint What Happened |
So I bought this XXXX XXXX XXXX From XXXX XXXX on XXXX XX/XX/XXXX First of all the car was highly overpriced for what the value of the loan is. I pull up the XXXX XXXX book value of the car is XXXX dollars they sold to me for almost XXXX and with so many problems like the engine is messed up and door behind the driver is broken.. Engine and light in front is broken I havent had this car for even three months yet and it has so much problems. To make matter worse I got sick and had to spent time in the XXXX Im behind on payment and company refuse to lower my payment to what the car actually worth or give me a deferral for 90 days This car is lemon and if I can get this resolved through this XXXX Im planning on taking the legal advice that was given to me to pursue both company. Also this company call me XXXX to XXXX times a day during my resting part.. They harassed me everyday
|
| Consumer Consent Provided |
Consent provided
|
|
|
8105171
|
2024-01-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-04
|
| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6011944
|
2022-09-23
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-23
|
| Complaint What Happened |
Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6131670
|
2022-10-26
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-26
|
| Complaint What Happened |
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - Global Lending service ( XX/XX/2022 ) - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6036718
|
2022-09-30
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-30
|
| Complaint What Happened |
XXXX XXXX XXXX falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them
|
| Consumer Consent Provided |
Consent provided
|
|
|
5989752
|
2022-09-16
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2022-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-16
|
| Complaint What Happened |
This lender repeatedly attempts to, and successfully does, collect " late fees '' when I do not in fact owe late fees, and refuses to correctly set up and use the auto-pay feature to deliberately charge me late fees to my fund. I say " deliberately '' because every attempt I make to remedy this in advance, and anticipate this issue, this company disregards it and fails to draft their money from my account according to our agreement. I have proof of autopay setup successfully, that the funds are in my account, and that they still intend on charging a late fee for this installment payment.
This has caused very serious harm to my credit report, and, to their obvious benefit, causes me to lose money to them in the form of late fees and now I am stuck with this loan because no one will refinance a loan on a " delinquent '' payer.
To begin with the more recent example, today I can see on my account that my payment method is already set on my online account ; I can see that my bank account information ( with routing and account number ) is correct on the " one-time payment '' feature, and also the " autopay '' feature. I can also see the history of my payments from XX/XX/2021 - XXXX. Nevertheless, it states that I owe them late fees and my payment has increased to cover the late charges. There is no explanation given.
If one calls, one will be routed to someone that can make payments, but that person can not discuss issues with billing, that will be another person, but the person that discusses issues with billing can only discuss issues with billing methods and autopay problems, so they route you to another person, who can only discuss issues with the previous billing, and so on. You will finally be told that you must write a letter to Global Lending Services.
I have written four letters now to Global Lending Services, and none have been successful in prying information to them that *they* are the ones with the ability and agreed-upon responsibility for drafting my account correctly.
Now I have several " late '' or " missed '' payments on my credit report which are incorrect, and they refuse to remedy or correct this by mail, by phone, or of course in person as they do not have a physical location.
Also, they do not actually let you pay online, and if you call the center they wish to add a convenience fee, otherwise, they refuse to draft your money. I set up auto-pay years ago when I first got the loan to avoid convenience fees, late fees, and delinquencies on my credit report -- all of which this lender does do anyway ; which is to their benefit : this practice of theirs increases their revenue from me, and prevents me from refinancing elsewhere, as it has today.
One does not have the time and money to constantly deal with them and their call center.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6251087
|
2022-11-29
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-15
|
| Complaint What Happened |
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( GLOBAL LENDING SERVICES ) company. I requested that they send me the written " Permissible Purposes '' document, with no response or information. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5914637
|
2022-08-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-24
|
| Complaint What Happened |
I have been paying my account on time for well over a year and there is proof attached, also the only reason XXXX XXXX marked my payment late was because of a error on the XXXX XXXX website. I was trying to pay at night on XX/XX/2022 and the website was not working. I ended up 1 day off and payed on XX/XX/2022 because their faulty website. That should not constitute a late payment. As promised by the CARES act I should be accommodated and compensated for this headache and emotional trauma that this has caused.
Also, I contacted the company to try and get this removed but they would not comply and said that " We do not remove late payments '' My credit went down a TREMENDOUS amount as well and it made it very hard to to obtain new credit, I was also denied for certain credit products due to the fraudulent late payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5889574
|
2022-08-17
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Global Lending Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-17
|
| Consumer Consent Provided |
Consent not provided
|
|
