Global Lending Services

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website (GLS): https://www.glsauto.com/
• Customer Care (customers): +1 (866) 464-0269
• Customer Service fax: +1 (866) 467-5920
• Customer service email (do-not-call requests): [email protected]
• Titles and lien documents: [email protected]
• Customer portal login (myglsloan.com): https://myglsloan.com/
• Dealer credit/buying desk: +1 (877) 524-9380
• Collections fax: +1 (866) 467-5901

Locations

Global Lending Services payments, titles, credit reporting and repossession: where to go (checked October 12, 2026)

Global Lending Services (GLS) says it buys retail installment contracts from car dealers and then services the loan; the dealer sells the vehicle and handles titling and registration. GLS's own pages list these routes for customers.

• Phone: Customer Care (866) 464-0269. The contact page lists Monday-Thursday 8:00 AM-10:00 PM ET, Friday 8:00 AM-9:00 PM ET, Saturday 8:00 AM-2:00 PM ET, Sunday closed, with an online portal and telephone self-service "24X7".
• Online account: myglsloan.com (Enroll Now, or Guest Payment). The customers page says credit cards are "not accepted at this time" and that payments made after 7 pm Eastern "post the next business day".
• Pay by mail: Global Lending Services, P.O. Box 935538, Atlanta, GA 31193-5538, with the 10-digit account number on the check. The two GLS pages give different delivery lead times: the customers page says "Allow 7-10 business days to ensure payment is received on or before the due date", while the FAQ says "Please allow 5-7 business days for delivery". For overnight or certified mail the FAQ lists Lockbox Services Box #935538, Global Lending Services (GLS), 3585 Atlanta Ave., Hapeville, GA 30354. Correspondence and credit disputes go to P.O. Box 10437, Greenville, SC 29603 (Credit Disputes line: Attention: Credit Disputes).
• Payoff and title: the FAQ says the payoff balance is in the portal (Request Payoff tab) or by phone, and that the certificate of title or lien satisfaction is sent "after the payoff has been posted" in line with state rules; title documents or authorizations: [email protected].
• Total loss or theft claim: the FAQ says to call 1-866-464-0269 and have the insurance company, adjuster name and phone, claim number, date of loss, mileage, a police report or the insurer's statement of loss, and the vehicle's location available. GLS says the contract requires the customer to keep meeting obligations during the claim, and that it "will continue reporting to credit bureaus in alignment with the terms of the signed retail installment contract".
• Cancelling a vehicle service contract or GAP coverage: the FAQ says to contact GLS at 1-866-464-0269 and "request to speak with a Total Loss representative prior to doing this".
• Insurance and repair checks: the FAQ lists P.O. Box 4588, Carmel, IN 46082, fax 1-800-709-4817 and myinsuranceinfo.com for proof of insurance (comprehensive and collision with a maximum deductible of $1,000). For an insurance check covering repairable damage it asks that the endorsed check be mailed to Attn: Partial Loss, P.O. Box 10437, Greenville, SC 29603, and lists a repair-shop invoice ("an estimate is not sufficient"), proof of payment if applicable and pictures of the repaired vehicle as the documents GLS needs before it endorses and releases the check.
• Due date and third-party payments: the FAQ says a customer "may be eligible to request a change to your payment due date depending on the status of your account" (call the number above), and that a third party can pay through the website's Guest Pay option with the account number, the account's zip code and an email address.

If the problem is how the account appears on a credit report. The CFPB says fixing an error "generally means contacting both the credit reporting company and the company that provided the information"; start by disputing with Experian, Equifax or TransUnion in writing, and then dispute with the furnisher that reported it (CFPB page 'How do I dispute an error on my credit report?', last reviewed Sep 2, 2026). GLS lists a mailing address for credit disputes (above).

If the problem is not resolved. A complaint about a financial product can be submitted to the CFPB at consumerfinance.gov/complaint, which says it sends complaints to companies for response; you can also contact your state attorney general or the state regulator that licenses the lender. GLS's licensing page lists a Michigan regulatory loan licence and South Carolina supervised-lender certificates; check the licensing page for your state. The Michigan entry on that page gives the Michigan Department of Insurance and Financial Services, P.O. Box 30220, Lansing, MI 48909, 877-999-6442.

Read your contract. GLS's FAQ says late-fee timing and amounts "are dependent on state guidelines and the terms of your contract". The arbitration clause on GLS's website appears under "Terms of Use – Electronic Statements through Mobile Wallet" (page marked "Last Updated 02-20-2024") and, by its own wording, covers claims "arising out of or relating to these terms of use" of that e-statement service; the website's general Terms and Conditions name Delaware law and contain no arbitration clause. Neither is a copy of your retail installment contract, so check the contract you signed with the dealer.

Who Global Lending Services is

Global Lending Services LLC is a Greenville, South Carolina company (1200 Brookfield Blvd., Suite 300). BBB's profile describes it as a business that "purchases retail installment sales contracts for vehicles purchased in the sub-prime market"; BBB lists the type of entity as a limited liability company and, in its page data, a business start of 2007-06-07, incorporation on 2011-10-28 and a new-ownership date of 2012-08-01. BBB's management list names Steven Thibodeau as CEO and Douglas A. Duncan as founder; the company's leadership page names Steve Thibodeau as Chief Executive Officer and Mark McCall as President and Financial Officer.

What the company says about its scale (company statements, not independently verified): the About page shows "$29B Originated loans", "1,260,000 Lifetime Customers", "21,400 Dealers Nationwide", "65% Approval rates" and "more than 1,000 team members" in customer service; the home page separately says "Over a half a million Americans have counted on GLS" and "More than 20,000 dealers nationwide". The two pages give different figures and neither is dated.

GLS's About page says that "nearly one-third of all customers not having access to prime credit" makes getting a loan "challenging and expensive"; its customer-security page describes a "fully automated loan decisioning tool" and says it adheres to the Equal Credit Opportunity Act. The footer states: "GLS is not an authorized trade name allowed for use in Idaho. In Idaho, the company is known as Global Lending Services LLC."

Licences listed by the company: NMLS ID 1089726; Michigan Regulatory Loan License RL0024570 (effective April 28, 2023); South Carolina Supervised Licensed Lender certificates and maximum-rate-schedule registrations for Greenville, Tempe (AZ) and glsauto.com. A BBB listing under the category Auto Loan (BBB of the Mid-South, not accredited, BBB file opened per raw data 2026-08-18) also exists for the same company name; this page uses the Greenville consumer-finance listing for the figures above.

What public complaint records show (as displayed on October 12, 2026)

CFPB database (company name 'Global Lending Services LLC'). 5,213 complaints, first received March 19, 2015, most recent September 29, 2026; 1,848 received in the 12 months since October 12, 2025. By product: credit reporting or other personal consumer reports 2,431; vehicle loan or lease 1,370; debt collection 713; credit reporting, credit repair services or other personal consumer reports 646; consumer loan 14. Most frequent issues: improper use of your report 1,885; incorrect information on your report 932; repossession 359; managing the loan or lease 351; problem with a company's investigation into an existing problem 310; attempts to collect a debt not owed 249. Company responses: closed with explanation 4,968; closed with non-monetary relief 242; in progress 3; the database marks 5,188 responses timely and 25 not timely. Most complaints by state: TX 812, GA 529, FL 495, CA 371.

These figures are complaints as submitted by consumers; the CFPB database does not verify the allegations, and a complaint about how an account is reported does not establish that the report was wrong. The CFPB counts are a separate source and are not added to BBB's.

BBB (Greenville consumer-finance listing). BBB Accredited, rating A+. 567 total complaints in the last 3 years and 179 filed in the last 12 months; the complaints tab shows categories such as Billing Issues and Sales and Advertising Issues. The reviews tab shows 1.17/5 stars from an average of 185 customer reviews. BBB's accredited-since date in its raw page data is 2014-10-13.

Trustpilot. trustpilot.com/review/glsauto.com returned "page not found" on October 12, 2026; no Trustpilot page was located under that domain.

usacomplaints.com archive. No approved archive complaint about this company was identified on October 12, 2026; same-name results such as a 2012 post about "Global Lender" (hard-money lending) were checked and are a different business, so none is linked here.

Court filings naming Global Lending Services (as listed on October 12, 2026)

As listed on Justia Dockets on October 12, 2026, five 2026 federal cases name GLS as a defendant (case pages opened that day). The claims are allegations by the plaintiffs, not findings; the latest docket entries Justia showed are noted for each case, and none showed a judgment, dismissal or settlement.

• White v. T&L Recovery Inc et al. (S.D. Fla., 0:2026-cv-62821, filed October 6, 2026): Justia lists the defendants as T&L Recovery Inc and Global Lending Services LLC, with the cause of action given as 28 U.S.C. 1983 (civil rights) and a request for a jury; the latest entry shown is an October 7, 2026 order denying without prejudice the plaintiff's motion to proceed in forma pauperis, with an amended complaint and filing fee or renewed motion due by October 28, 2026.
• Fitch v. Capital One, N.A. et al. (E.D. Ky., 0:2026-cv-00146, filed September 25, 2026): Justia lists Capital One, N.A., Exeter Finance, LLC, Global Lending Services, LLC and Tim Short Ivel, LLC d/b/a Tim Short Honda as defendants and the cause of action as a 28 U.S.C. 1441 petition for removal involving the Fair Credit Reporting Act; the docket shows a notice of removal filed by GLS on September 24, 2026 from the Johnson Circuit Court (case 26-C-00395).
• Leone et al. v. Global Lending Services, LLC et al. (M.D. Fla., 6:2026-cv-01660, filed July 30, 2026): Justia lists the cause of action as the Fair Debt Collection Practices Act (15 U.S.C. 1692); co-defendants listed are Patrick K. Willis Co., Inc. d/b/a American Recovery Service and Skyline Recovery Service, Inc. The latest entry shown is a September 11, 2026 waiver of service returned executed, after an amended complaint filed September 8, 2026.
• McNeil v. Global Lending Services, LLC et al. (S.D. Ga., 1:2026-cv-00128, filed July 13, 2026): cause of action listed as the Fair Debt Collection Practices Act; co-defendants listed are "John Doe Forwarder" and Hide N Seek Towing & Recovery, LLC. On September 4, 2026 the court granted GLS an extension to answer by October 5, 2026; the docket Justia showed was last retrieved September 10, 2026.
• Riebel v. Global Lending Services, LLC (N.D. Ind., 3:2026-cv-01013): filed July 9, 2026 and listed as a petition for removal under 28 U.S.C. 1441 for a Fair Credit Reporting matter, that is, a case brought in state court and moved to federal court. GLS filed an answer on July 15, 2026; the latest entry shown is an August 17, 2026 scheduling order.

Other 2026 dockets returned by the same Justia search were not opened or confirmed for this page, so they are not listed. No regulator or attorney-general enforcement action was identified: a search of the CFPB's enforcement-actions list for "Global Lending" returned no results on October 12, 2026. State regulators' enforcement databases were not searched exhaustively for this page.

Is Global Lending Services Legitimate?

Global Lending Services LLC lists NMLS ID 1089726, a Michigan Regulatory Loan License (RL0024570) and South Carolina lender certificates on its licensing page, and BBB lists it as accredited with an A+ rating and a business start of 2007 (BBB raw data). The licence numbers on this page come from GLS's own licensing page; they were not checked against NMLS Consumer Access or a state regulator's lookup. GLS operates through car dealers. The same public records show a high volume of complaints about credit reporting, collection and repossession, which are consumer allegations and not findings. Because GLS buys the contract from the dealer, the dealer, not GLS, sold the vehicle and set up titling and registration.

Court & Public Records

Frequently Asked Questions