What to do when a GLS account holder dies
Report the death to GLS Customer Care at 1-866-464-0269
Notifying GLS of a death is not a claim for money — it is the step that stops the account, fixes the balance owed as of the date of death, and puts GLS on notice as a creditor of the estate. GLS Customer Care (1-866-464-0269) handles it.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting GLS.
Death claim process
Follow these steps to file a death claim with GLS:
Filing a claim
- Have the 10-digit account number ready. It is in the "Account Number" field of the Account Information section on any GLS monthly statement, and almost every GLS channel asks for it first
- If GLS asks for proof of authority, provide Letters Testamentary or Letters of Administration or, for a smaller estate, a small estate affidavit
- Guest Payment: go to myglsloan.com and select Guest Payment at the bottom of the screen
- GLS's FAQ says a third party can pay this way with the 10-digit account number, the ZIP code on the account and any valid email, which does not have to match the one on the account
- The landing page links two Guest Payment sites: GLS Guest Payment and the Fiserv-operated BillMatrix
- BillMatrix asks for the 10-digit account number including every leading zero, a 5-digit ZIP and an email for notifications
- BillMatrix's terms say a fee may be charged, shown before the payment is finalized, and a payment above the amount due or the total balance may be refused or adjusted down
- Its terms also ask the payer to represent that they are the biller's customer paying on their own behalf, not under a claim of agency. Settle the point in writing with Customer Care
- Credit cards are not accepted for online portal payments
- Automated phone: call (866) 464-0269. The free system needs only the 10-digit account number and the billing ZIP code
- By phone GLS accepts personal checking or savings accounts, prepaid cards and debit cards. Some prepaid cards can only be swiped at a terminal and cannot be used
- By mail: Global Lending Services, P.O. Box 935538, Atlanta, GA 31193-5538, with the account number on the cashier's check, money order or personal check
- Enclose the payment coupon from the monthly statement. Never send cash
- GLS asks for 5-7 business days for mail delivery and advises allowing 7-10 business days so a payment lands on or before the due date
- Payments made before 7:00 p.m. ET post the same day; later ones post the next business day and may take another 1-2 business days to show on the account
- To split the monthly payment into weekly or bi-weekly installments, or to change the due date, ask Customer Care at (866) 464-0269. Both depend on account status
- Send it to Global Lending Services, LLC, P.O. Box 4588, Carmel, IN 46082, by fax at 1-800-709-4817, or online at myinsuranceinfo.com
- GLS then either overnights the check to an unpaid shop, or refunds the estate what it paid the shop and applies any overage to principal
- A question about how the vehicle was titled or registered at purchase goes to the selling dealer, which GLS states handled initial titling and registration
Required Documents
- The 10-digit GLS account numberIn the "Account Number" field of the Account Information section on the monthly statement.
- Last six digits of the VIN and the ZIP code on the accountThe identifiers GLS's self-service channels ask for.
- Proof of insurance in the estate's nameShowing comprehensive and collision coverage with a deductible of $1,000 or less.
- Total-loss details, if the vehicle was totaled or stolenInsurer name, adjuster name and phone, claim number, date of loss, mileage at the date of loss, police report or the insurer's statement of loss, and the vehicle's location.
- Body shop invoice for completed work and photos of the repaired vehicle, with an endorsed repair checkAn estimate is not enough. Include proof of payment if the shop has already been paid.
What happens to each kind of account2
- Loan
The contract is simple interest, so the balance grows every day, and the vehicle can be repossessed if the account falls behind.1
A survivor or heir who wants to keep the vehicle refinances the balance in their own name: a new loan, not a transfer of the deceased borrower's contract. Whether an assumption is possible is a question for Customer Care.1
- Debt protection, GAP or service contract
Check the original financing documents for GAP or a Vehicle Service Contract before cancelling either one. GLS asks that you speak with a Total Loss representative at (866) 464-0269 first, because cancelling can forfeit a credit the estate would otherwise receive.1
What GLS provides to the estate1
- Payoff statement
Payoff quotes are available around the clock through the Customer Portal (Request Payoff tab) and the automated phone self-service at (866) 464-0269. Interest accrues daily, so confirm the figure on the day the check goes out.1
What GLS's agreement and guidance say1
- Online access
Enrolling in the Customer Portal at myglsloan.com requires the borrower's Social Security number, the account number, the last six of the VIN and the account ZIP code, plus a time-sensitive code sent to a verified email address.1
Not in GLS's published guidance4
- A procedure for reporting a death
- A claim form
- How long a claim takes
- Assumption option
Sources1
- 1.FAQs
GLS Customer Care can be reached by phone at 1-866-464-0269 and fax at 1-866-467-5920 for questions throughout the claims process.
Sources
Data sourced from GLS primary sources (13 pages reviewed). How we research.
GLS death claims support
GLS Customer Care
Phone
Total Loss representative (via Customer Care)
Fax
Hours
Mailing address
Website
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