Debt collection -- False statements or representation -- Complaint #18082305

Complaint Overview

Complaint ID: 18082305

Company: Global Lending Services LLC

Product: Debt collection

Sub-Product: Auto debt

Issue: False statements or representation

Sub-Issue: Attempted to collect wrong amount

State: California

ZIP Code: 92336

Date Received: 2025-12-02T12:00:00-05:00

Date Sent to Company: 2025-12-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Re : Demand for Immediate Redress Systematic Fraud, Misrepresentation, Statutory Violations, XXXX XXXX, and XXXX XXXX XXXX XXXX Release XXXX and XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX This XXXX XXXX a final and formal demand for immediate relief based on pervasive, willful, and likely criminal violations in connection with my recent vehicle transaction. The contract and associated disclosure package presented by your dealership contains multiple, overlapping misrepresentations, statutory violations, and fraudulent omissions that have created grave legal exposure for your business. XXXX. VIN Errors and Title Fraud The XXXX XXXX XXXX XXXX inconsistent or truncated VINs ( XXXX, XXXX, and XXXX ), raising material ambiguity as to the identity of the vehicle being sold. This creates legal uncertainty over title transfer, violates both California XXXX XXXX XXXX, XXXX, XXXX and federal anti-fraud statutes, and XXXX render the sale void or voidable. Falsifying or altering VIN records is a prosecutable offense. XXXX. Odometer Disclosure Violations and Federal Law The odometer disclosure is incomplete, obscure, and at odds with visible XXXX data ( XXXX miles ) versus XXXX forms with illegible or omitted text. Under XXXX XXXX. XXXX and California XXXX XXXX XXXX, odometer tampering, failures in disclosure, and misstatement of vehicle mileage are criminal acts punishable by fines and incarceration. These are also actionable under the federal XXXX XXXX and affect the validity of ownership transfer. XXXX. XXXX XXXX XXXX XXXX XXXX list XXXX XXXX XXXX XXXX buyer and seller and appear to contradict XXXX XXXX XXXX XXXX XXXX. Such confusion is indicative of attempted title washing or straw seller fraud, which is sanctioned under CA XXXX XXXX XXXX & XXXX, and exposes your dealership to penalties and potential criminal liability for misrepresentation on state forms. XXXX. Misleading Disclosures on Catalytic Converter Marking The Declining Permanent Marking of Catalytic Converter form suggests a legal requirement to participate or affirmatively decline. This is not mandated by law. Misstating or implying compulsory services via a waiver/disclosure is a deceptive act under the California Unfair XXXX Law. XXXX. Cancellation Option and Overcharging The contract restocking fee schedule is muddled and exceeds statutory caps, with both {$500.00} and {$250.00} figures for vehicles over {$10000.00}, in violation of California XXXX XXXX XXXX. Duplicative and conflicting checkboxes unlawfully obscure real buyer rights and unlawfully restrict the legal cancellation option. XXXX. Warranty, FTC Buyers Guide, and Service Contract Contradictions The FTC Buyers Guide says AS IS NO DEALER WARRANTY, but your package upsells a {$3500.00} service contract and references manufacturer warranties. Simultaneously disclaiming and selling coverage is deceptive per XXXX C.F.R. XXXX and actionable as unfair/misleading business practice [ ftc ]. Service contract and GAP waivers are optional by law, but documentation and sales pressure wrongly indicate mandatory purchase, in clear violation of CA XXXX XXXX XXXX and federal TILA provisions. XXXX. GAP Addendum & XXXX Misstatement GAP Addenda stating XXXX 22.70 % and requiring signatures as if mandatory constitutes both unlawful Truth-in-Lending Act violation and illegal loan conditioning under CA XXXX XXXX XXXX and XXXX XXXX. Such misstatements trigger strict liability for statutory and actual damages. XXXX. Prior Accident/Condition Misrepresentation Contradictory NO REPORT OF PRIOR ACCIDENTS and REPORT OF PRIOR ACCIDENTS disclosures with N/A designations, conflicting with attached XXXX reports, make XXXX package misleading under Vehicle Code XXXX. XXXX. Language Rights Violation A single Translated Contract Acknowledgment form without providing an actual translated agreement, when negotiations occurred in a non-English language, violates Civil Code XXXX. XXXX. Insurance Requirement Trickery XXXX The Agreement to Furnish Insurance Policy fails to disclose timing, impact, or real process, misleadingly suggesting that required insurance can be lender-placed without clear termsviolating Vehicle Code XXXX. XXXX. Injury to Credit Report These cumulative misrepresentations and contract errors have caused, or risk causing, derogatory credit marks, denial of insurance, or adverse lending actioneach actionable under the Fair Credit Reporting Act ( FCRA ), TILA, and corresponding state law.

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