Westlake Services, LLC

I am a XXXX XXXX with official XX/XX/XXXX mobilization orders starting XX/XX/year> ( travel date XX/XX/year> ). On XX/XX/scrub> 2026, Westlake Financial illegally repossessed my vehiclewhich I have financed and owned for nearly a yearwithout a court order, in direct violation of the Servicemembers Civil Relief Act ( SCRA ) XXXX XX/XX/scrub> 2026, I made my car payment. Although the payment was late, Westlake fully accepted it and processed it under Confirmation Number : XXXX. Westlake proceeded with the repossession anyway. Customer service later claimed they did not stop the repossession because I failed to call and manually notify them that the payment had been made. Westlake is now withholding my vehicle and demanding over {$1600.00} in repossession and storage fees while daily storage charges continue to pile up. When I requested to speak with Westlakes XXXX department, I was initially told by customer service that the department had no contact information.…

My vehicle was wrongfully repossessed by XXXX XXXX XXXX under authorization from Westlake Financial despite my account being current and my insurance already being updated. Multiple Westlake representatives verbally confirmed on recorded calls that my vehicle should not have been repossessed. After my vehicle was taken while I was at work, I contacted Westlake repeatedly seeking answers and assistance. Instead of helping me, Westlake gave me the absolute runaround for several days. Representatives repeatedly denied authorizing the repossession, told me they had no information regarding who took my vehicle, and even instructed me to file a police report, strongly implying that my vehicle may have been stolen. At the same time, XXXX XXXX XXXX confirmed that they repossessed my vehicle directly under Westlake authorization and even provided authorization details proving they were acting on behalf of Westlake Financial.…

I returned the vehicle to the dealership approximately one week after purchase due to issues with the vehicle. The dealership accepted the return, refunded my down payment, and submitted an unwind/reassignment payment to Westlake Financial . I possess documentation of the unwind submission as well as written communication from the dealership acknowledging that they dropped the ball in processing the matter. Despite this, Westlake Financial continues to report an active balance and delinquent account status. I dispute responsibility for this debt because the transaction was unwound and the vehicle was returned to the dealership.

NOTICE OF RESCISSION AND RELEASE OF LIENI demand proof of authority fromWestlake Financial Services. Who owns the note, who services the account, who holds the original instrument, how payments was applied, what fees were added, what insurance or escrow activity occurred, and whether the party collecting has the lawful right to enforce the alleged debt.Westlake Financial Servicesneed to prove every claim. Im requesting the complete life of loan payment history, not a summary, the full Ledger. Every payment fee, late charge, suspense, account entry, escrow advance, corporate advance, fees, insurance disbursement, tax disbursement and charge off, And adjustment.Westlake Financial Servicesmust follow GAAP.Westlake Financial Servicesaccepted the instrument that alleged borrower have tendered, XXXX XXXXhave a claim or possessionary right in the instrument and its proceeds under 3-306 of the UCC.…

I am filing a formal complaint against Westlake Financial for deceptive practices, failure to maintain an adequate consumer dispute infrastructure, and apparent collusion with predatory dealership behavior ( " tied selling '' / payment packing ). I purchased/financed a vehicle where the dealership explicitly told me that a XXXX loan term was legally and structurally contingent upon my purchasing an expensive aftermarket extended warranty. The dealership stated that Westlake Financial would only approve a XXXX term without the warranty, but would grant a XXXX term if the warranty was tacked onto the loan principal. I purchased the car on XX/XX/year>. I went back to the dealership on XX/XX/year>. to complain and they changed their story claiming that a XXXX term without the warranty would have dropped the monthly payment below a mandatory " {$250.00} loan threshold. '' This is factually false.…

I am filing a formal complaint against Westlake Financial Services for unfair, deceptive, and predatory auto financing practices, and a willful failure to abide by the Federal Trade Commission ( FTC ) Holder Rule. On XX/XX/XXXX, I financed a XXXX XXXX XXXX ( VIN : XXXX, Contract/Account XXXX XXXXXXXX ) through Westlake Financial , sold by XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, FL. Within days of purchase, a certified third-party mechanic inspection revealed severe, pre-existing structural and steering safety defects : completely failing inner and outer tie rods and a loose lower control arm. The car is completely unsafe and unroadworthy. Furthermore, on XX/XX/XXXX, the vehicle suffered a total mechanical failure and stalled repeatedly directly on the dealer 's lot, which was caught on video. I opened a fraud/merchantability dispute with Westlake Financial under Ticket ID XXXX XXXX.…

On XX/XX/XXXX I called Westlake Portfolio Management ( XXXX ) and requested a deferment for the month of XXXX payment because the account was not due or delinquent I was told that my request could not be honored and that I had to wait until the account was delinquent to make that request. I said ok and was waiting until a day after the XXXX to make the request. Westlake Portfolio processed a payment on the XXXX anyway without making any contact with me at all before processing the payment. On XX/XX/XXXX I called and requested the payment refunded. As told to give it 2 days to be back into my account. On XX/XX/XXXX I was told the refund was denied. On XX/XX/XXXX I called to ask why and was told it was still pending approval. Spoke with a supervisor that told me that they can take the payment because being late on a payment was not part of my contract. I told her my contract was with XXXX not them and asked her why they took my account.

On XX/XX/XXXX and XXXX, XXXX, after the death of the primary borrower, I contacted Westlake Financial Services and provided a death certificate as requested. During phone conversations with Westlake representatives, I was informed that if I continued making the payments on the vehicle loan, my name would be placed on the title. Based on those representations, I continued making monthly payments and maintaining the account in good standing. I later discovered through records from the XXXX XXXX XXXX XXXX XXXX XXXX registration documents that I was already listed in connection with the vehicle title and registration records, including Transfer on Death ( TOD ) documentation and ownership-related records connected to the vehicle. Westlake was also listed as lienholder. Since that time, I have continued making regular payments on the account. Westlakes own payment ledger reflects ongoing monthly payments after the borrowers death, including payments made throughout XXXX and XXXX.…

I am submitting this complaint regarding my auto loan with Westlake Financial due to concerns about inaccurate loan servicing, unexplained fees, and what appears to be improper amortization of my account. My spouse and I have consistently made payments on this vehicle loan over the course of several years. However, despite the length of time we have been paying on the account, the remaining balance is significantly higher than expected and does not appear to accurately reflect the amount that should still be owed based on the payment history. I have also noticed repeated late fees being charged to the account, even though my credit reporting does not reflect missed or delinquent payments. In addition, the account history appears to show multiple payments being processed within single billing cycles despite only one payment being submitted monthly.…

I had an auto loan with Westlake Financial Services for my vehicle. After my vehicle was declared a total loss by my insurance company, the insurance company issued a payoff payment directly to Westlake as part of the total loss settlement process. Before realizing that the insurance payoff had already been issued, I also personally paid off the remaining balance from my own bank account in the amount of {$4600.00} that was XX/XX/year> Westlake later confirmed that the insurance payoff was processed However, I have not received written confirmation regarding reimbursement of my duplicate payoff payment. When I contacted Westlake Financial Services, I was informed that reimbursement would only be issued through a virtual debit card despite the large amount involved. I requested that the reimbursement instead to be issued by paper check for security and documentation purposes, but my request was denied.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Vehicle - XXXX XXXX XXXX XXXX Account # Ending In - XXXX To Whom It May Concern, I am writing to formally dispute the repossession of my vehicle and the reporting associated with my account. Prior to the repossession, I had communicated with your company and made payment arrangements in good faith regarding my account. Despite these arrangements, my vehicle was repossessed without what I believe was proper notice or fair opportunity to resolve the matter. Additionally, I became aware of extra fees and charges being added to my account that were not properly disclosed or explained to me. I dispute the accuracy and legitimacy of these fees and request a full accounting of all amounts charged to my account.…

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, financed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX California ; XXXX posted for sale by me ( owner ) on XXXX Marketplace XXXX XXXX payoff amount of {$20000.00}. A buyer from XXXX, reached out wanting to purchase my truck in the full amount VIA phone with a representative from XXXX XXXX, we had a three-way phone callthe representative asked for the account numbers from the buyer which he provided for the full pay-off amount, XXXX payment. After concluding the phone call, I cancelled my insurance ( no longer my vehicle after he purchased it ) XXXX verbally told me over the phone that my loan balance was {$0.00}. XXXX also sent me XXXX separate emails thanking me for financing with them, and that my loan balance was again, {$0.00}. He received the truck the following morning XX/XX/XXXX.…

I owed XXXXXXXX XXXX for the month of XXXX that brought my account 51 days without my knowledge. I havent received any phone calls or notifications in the mail stating that XXXX payment was XXXX $ delinquent XXXX XX/XX/XXXX payment of XXXX wasnt sent it yet because its not 1 month late XX/XX/XXXX would have it 1 month late. So I asked the person on the phone is I pay the XXXX XXXX my account wont be 51 days late it it would be 14 days late due to the XXXX payment not getting sent. They told me there computer picked the payment as late in the stystem and got a repo order to take the car without my knowledge. For XXXXXXXX XXXX

Vehicle was stolen impounded communicated with fin es Westlake financial we agreed on me retrieving the vehicle and me continuing payments with the impound lot fee added to the balance they never retrieved the vehicle to me they sold the vehicle and then reported me to the bureau with this balance

* '' On or around XXXX XXXX XXXX XXXX XXXX at approximately XXXX each time, I called Westlake Financial from my phone number to obtain a vehicle payoff balance. The agent gave me a verbal payoff quote of {$18000.00}. I explicitly instructed the agent I'd pay over the amount, and pay {$21000.00}, and I was assured the {$3000.00} overpayment would be refunded to me XXXX XXXX, or XXXX XXXX XXXX XXXX where I received the check from. Westlake Financial received my {$21000.00} payment one month ago. However, they kept the entire amount and are now stating they do not owe me a refund. Because this binding agreement was made verbally, I am formally requesting that Westlake Financial 's compliance department pull and review the recorded audio logs of my phone call from that date to verify the agent 's instructions. I am seeking a refund of my {$3000.00} overpayment

On XX/XX/XXXX I submitted my weekly payment of XXXX dollars. My account was 36 days past due of this amount and as XX/XX/XXXX I owed XXXX which was only 3 days past due. I didn't recieve any phone calls or emails from Westlake financial with any intent to repossesse. On Wednesday XX/XX/XXXX my vehicle was reposses for past due payment of XXXX I called Friday Morning XX/XX/XXXX told them I submitted the payment on Tuesday and it shows on the app payment was made. Apparently the app does not communicate in real time in there system. They wanted XXXX to get the vehicle back. When I asked why when I told them I only owe my current balance XXXX they laughed at me and said that's what I have to pay to get it back. I asked to speak to a supervisor she laughed and hung up. I called back Friday afternoon and tried to speak to someone again was the same result speaking over me not answering my questions and they told me XXXX was the repo fee.…

My current auto loan unexpectedly now reflects as paid in full/closed, despite me not authorizing any payoff, refinance, transfer, reassignment, or closure of the loan. This is an active financing for my current vehicle. I have attempted to contact the lender and have requested written clarification, including : payoff date payoff amount identity of the party who remitted payoff funds whether the lien was released whether the loan was transferred, reassigned, refinanced, or otherwise closed whether another creditor now claims an interest in the vehicle. I have not received clear explanation. This issue is particularly urgent because there are already ongoing title/registration concerns involving the dealer that sold the vehicle, and I need immediate confirmation regarding ownership, lien status , and whether any unauthorized financing action occurred.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I, XXXX XXXX, called Westlake Financial Services on XX/XX/XXXX to voluntarily surrender my XXXX XXXX XXXX that I began financing with Westlake in XXXX of XXXX. The vehicle has 2 engine replacements and a current engine failure that would need XXXX of work to fix. Westlake has to date XX/XX/XXXX NOT come to retrieve their vehicle. I called again on XX/XX/XXXX to ask Westlake to please pick up the vehicle, due to my needing to remove the tags and surrender to the DMV because I could no longer carry insurance on that vehicle, since I must carry insurance on my current vehicle. Westlake is continuously reporting this as a late payment for 60 days now, due to XX/XX/XXXX being the next payment due. In addition, I informed Westlake that the vehicle is at risk of being towed with no tags in my apartment complex space, and we are now 30 Days after me reporting a voluntary surrender.…

On XX/XX/year>, I contacted Westlake Financial and requested a payoff amount for my vehicle. I was told the total amount due was {$2300.00}, which I paid in full with the understanding that my title would be released. After waiting about a month and not receiving my title, I contacted the company again and was then told I had an additional balance of {$420.00}. When I asked for a clear explanation of this balance, I received different answers from multiple representatives. Some stated it was related to fees, while others gave inconsistent explanations. I escalated the issue to supervisors several times, but no one was able to provide a clear breakdown or resolution. I also requested to speak with a direct manager multiple times, but I never received a callback despite being promised one. I submitted emails and support tickets, but they were repeatedly closed without properly addressing my concerns.…

I had a XXXX XXXX XXXX, VIN XXXX XXXXXXXX which was stolen on XX/XX/XXXX and it was declared total loss by my insurance State Farm ( Claim XXXX XXXXXXXX ). Then the lienholder XXXX XXXX and XXXX XXXX settled for {$11000.00}. On XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX sent XXXX Financials the settlement details and requested for the XXXX XXXX XXXX for XXXX XXXX to process the settlement amount but XXXX XXXX has not sent the Letter of Guarantee yet. I called XXXX customer service agent, sent a dozen emails and no XXXX of XXXX yet. I keep making the car payments for last 2 months which is very frustrating due to XXXX XXXX and totally irresponsible behavior to close this claim. Please help me close this total loss claim.

My car was repossessed on this summer, XXXX of XXXX. And when it was repossessed, I had lots of things inside my car, I had a laptop, a XXXX XXXX that was about {$4500.00}. I had some XXXX equipment in there. That was around {$2000.00}. I had a subwoofer in there with an amplifier that was worth several {$1000.00}. And I had a radar detector in there that was worth {$400.00}. And all my clothing was in there. And my glasses were in there. And I feel like maybe that was it. But good morning got repossessed. It was taken to the toeyard in XXXX. Um, I was XXXX XXXX, so I wasn't able to pay the car payment.And that's why I got repossessed when I got out I paid the amount.That was due, which was XXXX. I was looking to get somebody with a car and a valid Driver 's license to come. Help me get the car because they wouldn't release it to me. Without apparent Driver 's license, which I did not have at the time. But anyways, it took me a few months to get that situated.…

I am submitting this complaint regarding Westlake Portfolio Managements handling of a dispute involving services not rendered by Byte ( XXXX XXXX XXXX ). I paid a total of {$2200.00} for Byte aligner treatment through financing serviced by Westlake. Byte has since confirmed that it ceased operations as of XX/XX/2026 and is no longer able to provide treatment, retainers, or ongoing support services. I made multiple documented attempts to resolve this matter directly with Byte. Communication was inconsistent, emails failed at times, and I was unable to obtain meaningful support after the company closure. Byte issued a partial refund of {$640.00} related to the Protection Plan, acknowledging that at least part of the purchased services remained unresolved. However, a remaining balance of {$1600.00} for services and support that can no longer be rendered remains outstanding.…

My car was wrongfully disabled by a kill switch right after my payment. I repeatedly requested they retrieve the vehicle. They initially refused and later repossessed it, reporting it as a standard default on my credit. I am requesting my share of the consumer relief distribution ordered by the court. Westlake say I owe XXXX but it use to be with US auto sales.

Made a payment on XXXX XXXX payment went through, confirmation number is XXXX. Made another payment on XX/XX/year> to ensure payment went through did not see processing on my bank account, that confirmation number is XXXX. I called my bank to ensure only one payment go through in which they stated only one payment will process. How can a person get an insufficient fund fee when the payment already processed on the XXXX th. Called Westlake financial lender in California representative was extremely rude couldnt understand them did not speak English well. She placed me on hold for XXXX minutes stating she will submit request to have fee waived. She then put me back in the que. I had to call back explain story over again and requested to speak to a supervisor and she was also rude and stated they couldnt reverse charge after the representative stated she would. I asked for the information to file a complaint and she only emailed me a regular sheet with different department numbers.…

Emergency Regulatory Complaint Details Consumer Name : XXXX XXXX XXXX Lending Company : Westlake Financial Services Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX ( VIN Last XXXX : XXXX ) Repossession Company : XXXX XXXX XXXX : Emergency Complaint Against Westlake Financial Services Illegal Repossession, Deceptive Business Practices, and Notice Violations ( California Rees-Levering Act ) I am filing an emergency complaint against Westlake Financial Services regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX , in XXXX, California. XXXX XXXX and their contracted recovery agent, XXXX XXXX, I believe have committed multiple severe violations of California 's Rees-Levering Automobile Sales Finance Act, the California Unfair Competition Law ( UCL ), and federal consumer protection standards. 1.…

On XX/XX/2026 I called Westlake financial and was able to speak to a live agent and asked them why my money hasnt came out yet for the bill that was due. They said that it takes 24 hours sometimes before the money is taken out. The next day comes and I called them to make sure that everything was okay and they said I was pass due and I explained that I called yesterday to make sure the money was going be taken, Im on auto pay and it shouldve already been taken out. So I pay over the phone with them and I get charged a fee. I told them that it wasnt fair, but I didnt want have to deal with it anymore, so I moved on. This next payment comes and once again auto pay did not take the money, so Im trying to contact a live agent and it will not let me talk to a live person. I have tried multiple different options to try to see if I could get a hold of a live person, but all it did was put me in the loop of pay your bill, so I paid it .. fee included.…

OFFICIAL COMPLAINT TO THE CFPB Financial Institution : Westlake Financial Account Number : XXXX Consumer : XXXX XXXX XXXX XXXX Primary Vehicle : XXXX XXXX XXXX XXXX ( VIN : XXXX ) I am filing a formal complaint against Westlake Financial for collecting on a financing contract that is completely viciated from inception due to material misrepresentation of financial data and gross corporate negligence in collateral validation. My account is currently up to date ; I am not contesting my ability to pay, but rather the legal validity of the debt being collected. 1. Fraud and Material Misrepresentation on My Account : - Down Payment Falsification : The contract held by Westlake Financial falsely stipulates a cash down payment of {$3000.00}. Attached are bank records proving the actual payment made to XXXX XXXX was exactly {$1500.00}. The figures were deliberately altered by the dealership to manipulate and bypass the lender 's automated approval algorithms.…

I am requesting immediate media attention and consumer protection review regarding what I believe may be highly questionable, unfair, and potentially unethical repossession and lending practices involving Westlake Financial Services and XXXX XXXX XXXX In light of all that has transpired, this situation does not withstand reasonable scrutiny, and it should concern the public that consumers may lose their vehicles within approximately 30 days of purchase despite actively attempting to make payments and maintain communication with the lender, as well as information being withheld to consumers that can cause repossession. This repossession involved my VERY FIRST payment after purchasing the vehicle and putting down approximately {$5000.00} at the time of sale.…

I received the loan for the used vehicle in XXXX and the dealership did not charge me for plates or registration. I contacted Westlake Financial XXXX a month through emails requested and sending them the required documents in order to receive a registration. Indiana XXXX has done XXXX attempts there mail service and still no response. This company does not allow you to speak to anyone and you can only contact them via email. Which they have stop responding to my messages. I am just try to get plates and my vehicle registered