Westlake Services, LLC

I am an XXXX XXXX XXXX. I applied for XXXX benefits on my vehicle loan in XXXX and was confirmed in writing by compliance XXXX XXXX XXXX that I would receive a refund via direct deposit within 7 business days of XX/XX/XXXX. To date XX/XX/XXXX, over XXXX year later I have not received my refund. Below is the documented timeline of failures : XX/XX/XXXX I selected Option C ( refund ). XXXX XXXX confirmed direct deposit within XXXX business days. XX/XX/XXXX I was told to follow up if not received timely. XX/XX/XXXX I followed up. No refund received. XX/XX/XXXX XXXX stated she was awaiting departmental approval. XX/XX/XXXX I sent a formal written follow-up. No resolution, no response. XX/XX/XXXX Still no refund. No communication. I have full email documentation of every exchange listed above. This company confirmed my XXXX refund in writing and has failed to deliver for over 12 months. This is a federal violation of the XXXX XXXX XXXX XXXX.…

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am filing a complaint regarding an auto loan financed through Western Funding. I recently discovered that the vehicle I purchased has a salvage/rebuilt title and the mileage is listed as unknown, which was not properly disclosed to me at the time of sale or financing. This directly impacts the value, safety, and legality of the transaction. Had I been aware of these facts, I would not have agreed to the loan. I believe this situation may involve misrepresentation and potential violations of the Truth in Lending Act ( TILA ) and federal odometer disclosure laws. I am requesting : A full investigation into this loan and the originating dealership Copies of all documents related to title disclosure and mileage statements A resolution, which may include loan cancellation, contract correction, or other appropriate remedy I would like all communication regarding this matter documented in writing. Name : XXXX XXXX Loan/Account # : XXXX Vehicle VIN : XXXX

I received repeated unsolicited phone calls from the number ( XXXX ) XXXX, listed as originating from California, over a two-day period from XX/XX/year> to XX/XX/year>. On XX/XX/year>, calls were made at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/year>, additional calls were made at XXXX, XXXX, XXXX, XXXX, and approximately XXXX. All calls were flagged as spam and automatically blocked by my call screening service. In most instances, the caller either disconnected immediately or did not provide any identifying information. In XXXX instance, the call was answered by a call screening assistant, but the caller did not respond. When I have answered calls from this number in the past, I would say hello and the call would be disconnected immediately. I did not provide any information, did not engage with the caller, and took no action beyond allowing the calls to be blocked. Despite this, the calls continued at a high frequency across both days.…

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What happened : I am filing this complaint against Westlake Financial Services regarding wrongful repossession, excessive charges, and unfair and deceptive practices. In XX/XX/XXXX, I entered into a vehicle financing agreement through XXXX XXXX XXXX and made a {$4000.00} down payment. However, I was not provided a clear and separate itemized sales breakdown explaining how the vehicle price and my down payment were applied. Based on the contract, the vehicle price appears inflated, which reduced the true benefit of my down payment and resulted in an unfair financing structure. In XX/XX/XXXX, I was offered a settlement payoff of {$880.00}. Due to delayed workers compensation income from a work-related injury, I could not pay at that time. On XX/XX/XXXX, I contacted Westlake to pay the settlement. They refused to honor the {$880.00} offer and instead demanded {$1300.00}. Less than XXXX hours later, on XX/XX/XXXX, a repossession agent arrived at my home.…

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I am financed with Westlake Financial and I am trying to get my car registered in Texas i am XXXX XXXX XXXX i have emailed called and my local dmv has faxed them also to get some kind of title or some kind of proof i own the vehicle Westlake Financal has emailed back to me and the dmv saying they will send the title over to them and it would take up to 3 weeks the dmv and i have waited the 3 weeks and we contacted them again now Westlake Financial is claiming that they have no proof of anyone sending them any kind of request for anything the dmv and i have requested something from them 4 times and still nothing there are more issues we have with that company also they refuse to lower our interest rate and telling us there is no possible way they can send our title to the dmv our vehicle is not payed off and i understand they cant send us the title because of that but in the very first email they have ever sent me they said they can send it to the dmv my vehicle has been in this…

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Name : XXXX XXXX Phone : XXXX Email : XXXX Preferred Communication : Text or XXXX XXXX XXXX Westlake Financial Services Bad Faith Handling of Auto Loan I am filing this complaint against Westlake Financial Services for failure to act in good faith regarding my auto loan account. I have made efforts to communicate and resolve my account responsibly ; however, Westlake has failed to provide reasonable assistance or fair options. Despite my attempts, they have ignored my requests and/or refused to work with me on a resolution. My vehicle is currently in severely diminished condition ( non-running with significant damage ), and the balance owed far exceeds its actual value. I have attempted to discuss reasonable solutions such as settlement options, payment arrangements, or alternative resolutions, but Westlake has not acted in good faith to reach a fair outcome.…

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I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit file related to an account with Wilshire Consumer Credit. This account is a vehicle title loan associated with a vehicle that was declared a total loss. Despite the loss of the collateral, the account continues to be reported with a balance and as an ongoing charge-off. Additionally, the account is reported as a profit and loss write-off, which creates inconsistencies in how the account is being reported. Because the collateral no longer exists, the remaining balance must be supported by a clear and accurate accounting of how the balance was calculated, including any insurance proceeds, salvage value, or other recovery related to the vehicle. To date, no such documentation has been provided. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of the information they report.…

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I am a retired veteran and I travel XXXX quite often due to XXXX XXXX. my identity was stolen and fraudulent accounts were made in my name while serving my country. I contacted the credit bureaus and now the allege creditors. The accounts have been reported on my credit profile using inaccuracies and unauthorized address information. A report has been filed with the united states postal inspection service. ( XXXX XXXX XXXX regarding mail fraud and misuse of address data. Westlake financial stated they could not send me any verfication of debt which violates the fdcpa and the fcra federal laws. I am asserting identity theft and identity misattribution under federal law. an ftc report has been filed and a report with the local police dept will XXXX be filed. ftc report is XXXX.

I voluntarily surrendered my vehicle to Westlake Financial. After the surrender, I did not receive any notices, updates, or documentation about the status of the vehicle. They never sent me : Notice of intention to sell the vehicle Notice of sale date/time Final sale results Any deficiency balance explanation or breakdown Any proof that I legally owe the amount they are reporting Under consumer law, I should receive documentation explaining the sale of my surrendered vehicle and how they calculated any remaining balance. I received nothing. Despite this, Westlake continues to report a negative balance/charge-off to the credit bureaus. I am asking the CFPB to investigate and require Westlake to either provide full validation of the debt or correct/delete the inaccurate reporting.

I financed XXXX treatment through Byte approximately XXXX XXXX ago. Byte later instructed me to stop treatment immediately due to safety concerns, which I complied with. Since then, Byte has discontinued all customer support, and I have had no ability to continue or complete the treatment. I also consulted a licensed dentist, who advised that stopping treatment was necessary for my dental health. Despite the service being incomplete and unsafe to continue, I am still being required to make payments on the loan used to finance this treatment. I have attempted to contact Byte to request access to treatment, guidance, and resolution regarding the loan, but they no longer provide customer support. I am requesting that the lender investigate this matter, stop collection efforts, and provide a resolution, including possible cancellation or adjustment of the remaining balance, since the contracted service was never completed and was unsafe.

I have made multiple requests ( over XXXX XXXXimes ) to obtain a copy of my vehicle title for registration purposes. I have been repeatedly redirected between phone and email support with no resolution. The phone system does not allow access to a live representative. This delay is preventing me from legally registering my vehicle. I am requesting immediate release of my title copy or lienholder documentation.

My vehicle has been paid off since XXXX of XXXX and XXXX XXXX has yet to release my title which in Wisconsin it needs to be done electronically. I have called everyday and get hung up on, passed off, ignored, left on hold. I will not waste anymore of my time on hold. This is not the first complaint about Westlake I know that for sure. Please consider shutting this company down.

I'm not sure where to start. I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX, IL, and made payments through XXXX. For almost XXXX years I fought and fought and fought to have my payments either lowered and/or rescheduled to monthly payments instead of the {$250.00} bi/weekly payments. When I purchased this vehicle in XXXX I was employed with XXXX XXXX and they are no longer in business. I tried to keep up with the bi/weekly payments as long as I could. Then came the beginnings of speaking with numerous agents, Some " professional '' and most not. Fast forward, XXXX transfers my account to Westlake Portfolio Mgmt and my nightmares continue. They offer no help. Refuse to lower my current payments and setup new monthly payments, which has been the bone of contention in this matter. NOTHING!!! After reading many reviews online which are for public access, I am fully convinced Westlake Portfolio is operating in a lot of sketchy ways. Their excuse? " Well, sir, you signed a contract.…

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FORMAL COMPLAINT : Contractual Fraud, Forgery of Signatures, Misrepresentation of Vehicle Value, and Failure to Disclose Severe Safety Defects in Vehicle Financing. I am submitting this formal complaint to report a series of fraudulent and criminal actions perpetrated by the dealership, XXXX XXXX XXXX XXXX and facilitated by the financing bank, Western Funding Inc. This financing contract ( Account # : XXXX ) is based on profound contractual fraud and the illegal, forged signatures of myself and my spouse, who was not present and has never visited the dealership. Background and Fraudulent Transaction : In early XX/XX/year>, I located a XXXX XXXX XXXX ( XXXX # : XXXX ) advertised by the dealership on XXXX for {$23000.00}. I agreed to the price and provided a cash down payment of {$2000.00} to the salesperson. No receipt was issued for this cash payment.…

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I am submitting this complaint against Westlake Services , LLC regarding a disputed auto loan involving fraud, inaccurate credit reporting, improper collection activity, and failure to honor a binding arbitration agreement. ISSUE SUMMARY Vehicle financed on XX/XX/XXXX Vehicle was sold with undisclosed salvage and flood damage Vehicle became unsafe and inoperable Default occurred on XX/XX/XXXX due to these defects Westlake repossessed and sold the vehicle Westlake is attempting to collect a deficiency balance MAIN COMPLAINT 1. FAILURE TO HONOR BINDING ARBITRATION ( XXXX ) My contract requires disputes to be resolved through arbitration. I initiated arbitration with the XXXX XXXX XXXX ( XXXX ) The arbitration was closed without resolution Despite this, Westlake filed a state court lawsuit instead of arbitrating This is a breach of contract and denial of my agreed dispute resolution rights. 2.…

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I was forced to take a loan when a bought a used vehicle from a dealer with Westlake Financial services who agreed to provide me with a loan. I refinanced through XXXX of my home mortgage in order to pay off the loan. Westlake did not accept a wire transfer on time thus forcing me to pay more money at a later date and reported negatively to the credit bureau. It is impossible for any customer to reach any one at this bank, purposely delaying payments to increase liability. Subsequently they sold my information to Worlwide tracking system who made cold calls to sell me tracking equipment for the same vehicle. Extremely customer unfriendly, unnecessary delays in applying funds and thus increasing liability to the consumer.

I am submitting this complaint regarding Westlake Financial Services obstruction of a total loss insurance claim and the improper assessment of repossession and storage-related charges that are not attributable to me as the borrower. The vehicle ( XXXX XXXX XXXX ) was involved in an accident and declared a total loss. The insurance claim was opened and Westlake was notified on XX/XX/XXXX. On XX/XX/XXXX, XXXX issued a payoff statement, confirming their knowledge of the total loss and expectation of insurance payment. I authorized the release of the vehicle to the insurance company ( XXXX ). However, the vehicle was removed and placed in storage without proper coordination with the insurer. I have not had possession of the vehicle since the accident. The storage facility required lienholder authorization from Westlake in order for XXXX to inspect the vehicle and proceed with payment.…

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CFPB Complaint Wrongful Repossession Based on Inaccurate Account Information and Policy Violation I am filing a complaint against Westlake Financial regarding the repossession of my vehicle on XX/XX/XXXX. At the time the repossession order was placed on XX/XX/XXXX, and executed on XX/XX/XXXX, my account was only 15 days past due on the XXXX payment, which we had been trying for 2 weeks to set up an arrangement for payment with them to no avail, and no notes were made to the account. They continued to bully us into making 2 payments, 1 of which we had already made and continued to tell us that our account was over 40 days late. A representative from Westlake Financial confirmed that the companys stated repossession policy is 30 days past due. Therefore, my vehicle was repossessed before the companys own stated policy threshold, making this repossession wrongful. Additionally, my XXXX payment was made, although late.…

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I am requesting that this account be corrected and updated to accurately reflect the status of the vehicle after voluntary surrender. The vehicle was surrendered and is no longer in my possession. I received notification that the vehicle would be sold, which indicates the lender has taken ownership and disposed of the asset. However, the account is still being reported as if I owe the full original balance, which is inaccurate and misleading. I am requesting the following : An updated account status reflecting voluntary surrender/repossession A corrected balance that reflects the sale of the vehicle and any remaining deficiency balance, if applicable A full accounting of the sale, including the sale price and how the remaining balance was calculated Correction of any inaccurate or misleading reporting to all credit bureaus ( XX/XX/XXXX, and XX/XX/XXXX ) Removal or correction of any reporting that does not comply with Metro 2 or the Fair Credit Reporting Act ( FCRA ) This…

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On XX/XX/XXXX, I entered into a motor vehicle purchase and financing agreement for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, with financing assigned to Westlake Financial Services. The vehicle was not properly delivered in a functional condition. Shortly after the transaction, the vehicle experienced significant mechanical issues and was returned to the dealership. The contracted vehicle remained in the dealers possession for repairs and was not made available in a usable state. I personally never received, possessed, or accepted the contracted vehicle. The co-buyer, who was the intended driver, was instead provided a loaner vehicle. There was no separate agreement provided for the loaner vehicle, and it was not part of the original contract. Because of this, I did not have a reasonable opportunity to inspect or accept the vehicle under Texas Business & Commerce Code XXXX.…

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Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Westlake Financial Services concerning an overpayment on my loan with XXXX financial Summary of the issue : * My settlement letter stated the settlement amount was {$5200.00}. * I have paid a total of {$6500.00}, as documented in the attached receipts. * XXXX XXXX issued a letter confirming the loan is PAID IN FULL, indicating an overpayment of {$1300.00}. * I have emailed XXXX on XXXX XXXX & XX/XX/year> & XXXX XXXX requesting a detailed payment breakdown and documentation confirming this overpayment, but have received no response.

I am submitting this complaint regarding a debt collection issue and failure to provide proper validation of a debt. Account number XXXX On XX/XX/year>, at approximately XXXX XXXX, I contacted the company and spoke with a representative named XXXX XXXX. During this call, I clearly requested a debt validation letter. Initially, he stated that he did not know what I was referring to. However, after I informed him that the call was being recorded, he changed his response and stated that he would send the debt validation letter both by mail and to my email address on file. As of today, more than 30 days later, I have not received any debt validation letter by mail or email. During the same call, XXXX XXXX also informed me that : - I was required to file a dispute with the credit bureaus before contacting the CFPB, which I now understand is incorrect. - The vehicle related to this debt was sold for {$1300.00}.…

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I am filing a complaint regarding an auto loan tied to the purchase of a XXXX XXXX XXXX, which resulted in significant financial harm due to a mechanical failure that appears to have originated prior to the sale. Shortly after purchasing the vehicle, the check engine light came on immediately after leaving the dealership. I returned for assistance and a repair was performed ; however, the underlying issue was not resolved. The vehicle continued to experience ongoing mechanical problems, including engine misfires and oil contamination on a spark plug. Documentation obtained after the purchase includes a pre-sale inspection note referencing XXXX hours for oil separator, indicating a known issue within the engines crankcase ventilation system. This issue was not disclosed to me at the time of sale. Over time, the vehicles condition worsened.…

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I am filing a complaint regarding inaccurate and unfair credit reporting on my auto loan account. The vehicle associated with this account was declared a total loss and paid by my insurance company. After the insurance payment, I took responsibility and resolved the remaining balance with the lender. Despite this, the account is being reported as a charge-off, which is severely damaging my credit and preventing me from obtaining reliable transportation. This situation does not reflect the full context of what occurred. The vehicle was not repossessed, and I made efforts to satisfy the debt after the insurance payout. I have contacted the lender directly, and they have refused to make any updates or corrections to how this account is being reported. I am requesting a full investigation into this matter and a correction or removal of this account due to the circumstances surrounding the total loss and resolution of the balance.…

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On XX/XX/2024 i entered a XXXX XXXX XXXX XXXX for the purchase of a motor vehicle the contract was subsequently to a financial company. In the XXXX section i did not sign or authorize XXXX insurance but in the amount financed there was a XXXX charge for {$900.00} and some improper fees, i receive a letter from the XXXX stating that XXXX

I have been having problems with this company taking my money then saying there is something wrong with my debit card or my checking account and they refuse to call me or send out an email and plus they have no one you can talk to or the same person they dont take notes and put them in youre file they just keep telling different story 's .. plus they never contact you till XXXX at night when im sleeping .. they also changed my payment date from the XXXX of each month to the XXXX of each month without me knowing about it .. im willing to take further actions if needed

A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

I am listed as a co-signer on an auto loan with Westlake Financial, account number XXXX. I never signed or authorized this loan, but my name was added electronically. I have reviewed the loan agreement provided by Westlake Financial, and the electronic signature listed as mine is unauthorized. Since XXXX I have been making payments to protect my credit. I have contacted Westlake Financial multiple times, including speaking with a supervisor, requesting removal from the loan and documentation proving my authorization. Westlake has refused to remove my name and has not provided proof that I consented to be a co-signer. I request that : Westlake Financial remove my name from the loan immediately. They provide all documentation showing my electronic signature and authorization. My credit report reflects that I am not liable for this loan.…

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XXXXMy car was repossessed XXXX XXXX XXXX from my home to re-instate my contract I had to pay XXXX to get my car back which I did pay that in full XXXX XXXX XXXX full breakdown of what I owed Breakdown of Total Due: XXXX, Late Fee: XXXX, Repo Fee: XXXX after paid this in full I called they told me Id receive a email about when my contract will be re-instated a hour after my call with them I received an email informing me my contract had been re-instated and I can get my vehicle back so I called XXXX XXXX to set up an appt to pick up my personal property my keys and license plate they were the tow company that towed my car from my home when I got there I was only able to obtain my keys and tag they didnt have any of my other belongings they did apologize and told me they would replace my personal belongings because it should have been removed but it wasnt and they did take care of it with no issues moving forward I had to schedule an appointment with XXXX XXXX XXXX XXXX to retrieve…

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Good afternoon XXXX XXXX, I am contacting you today because I haven't received a response from the bank regarding the letter of guarantee I need to send to XXXX XXXX XXXX. They are waiting for the document to process the payment for my XXXX XXXX XXXX that I lost on XX/XX/XXXX, which is in the insurance possession because the car was declared a total loss. XXXX XXXX will send the check for the market value of the car and any remaining balance in the account will be covered by the GAP insurance that is provided for your company Westlake Financial. I'm not to be able to make anymore monthly payments of the car and I should not because I'm covered for state farm and gap insurance, so I need this matter to be solved by the end of this week. If not by Monday I will have my lawyer to handle this situation for me, and my lawyer also will send an invoice with the expenses that currently I have because the inconvenience in the resolution for this matter.…

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