Westlake Services, LLC

2018-12-12

Tampa, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-12-11

Hyannis, MA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-12-11

Leehigh Acres, FL

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-12-11

Rncho Domingz, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in XXXX and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.
Company Response: Closed with explanation

Timely Response

2018-12-10

Long Beach, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: I took out a loan on my vehicle in XXXX of XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay. I then called them that day and spoke with XXXX XXXX one of the Managers there. I told him my dilemma and he said, Ms. XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}. This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of anxiety that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-09

KY

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Complaint: Westlake financial bought out my loan on my XXXX i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX and all payments are current and I have the checks to show it
Company Response: Closed with explanation

Timely Response

2018-12-08

Fred, VA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.
Company Response: Closed with explanation

Timely Response

2018-12-07

MA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.
Company Response: Closed with explanation

Timely Response

2018-12-07

Las Vegas, NV

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Company Response: Closed with explanation

Timely Response

2018-12-06

Sandy Hook, CT

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Westlake Financial has stopped my access to online bill pay, making the only way that I can pay them through the phone. There have been two incidents in which Westlake Financial has acted in bad faith through verbal communication, causing me to no longer be able to communicate with them through the phone. Additionally, any attempts to email them have not gone addressed with a personal response, only their automated response.
Company Response: Closed with explanation

Timely Response

2018-12-06

Sandy Hook, CT

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access. Westlake financial has my address on file as well as my email address and could have used either to contact me.
Company Response: Closed with explanation

Timely Response

2018-12-05

Allegheny, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-12-04

Arco, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: {$680.00} Westlake financial Services Since XX/XX/2017 XX/XX/2017
Company Response: Closed with explanation

Timely Response

2018-12-03

Orion Twp, MI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.
Company Response: Closed with explanation

Timely Response

2018-12-03

Orlando, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Closed with explanation

Timely Response

2018-12-02

Newnan, GA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: Westlake Financial must send a letter that they have repossessed the vehicle ; and that the car will be sold at either a public or private sale ; and that the sale will be conducted on or after a certain date and must give me given opportunity to redeem the vehicle prior to that date. Westlake is reporting on my credit report that it is a charge off for XXXX. If the vehicle is sold, the sale price must be applied to the balance of the loan. They have not sent me any letter stating the car has been sold. If they have kept the vehicle in satisfaction of debt, they were supposed to send me their proposal to do so in writing. They must have my consent. I have not received any such letters. Westlake Financial has not followed the law by repossessing the vehicle or in their disposition of the vehicle after deposition and I have a attorney ready to act in my defense if Westlake Financial does not removed inaccurate false account information from all 3 credit reports due to the lack of Westlake Financial unethical practices immediately.
Company Response: Closed with explanation

Timely Response

2018-12-01

Scottsdale, AZ

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Alleged Creditor ( finance company ) sold a debt to a third party company back in XX/XX/2018. The third party company sent me a letter making a claim that they will be servicing an account. The notice included : IMPORTANT NOTICE ABOUT YOUR RIGHTS : Unless you dispute this debt or any portion of it within thirty days after receipt of this letter, the law permits us to assume that the debt is valid. You may notify us that you dispute the debt or any portion of it in writing, or by telephone. Within days of 7 days of this notice I sent an email, called, and mailed a letter request of debt validation under : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, Cease and Desist notice. Include within this letter I stated : If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent immediately. Do not contact me at my workplace for any reason as well as attempt to collect any debts on behalf of the Alleged Creditor that sold this debt until proof of debt has been validated. The Alleged Debt Collector did not nor can not legally prove a valid balance on the account still exists under penalty perjury. The third party company made several attempts to call me to collect payments and act on the behalf of a servicing company. Without notice the third party company has repossessed the vehicle from my workplace after the cease and desist notice was sent months ago. I have made several attempts to get my belongings from this vehicle and was denied by the repossession company.
Company Response: Closed with explanation

Timely Response

2018-11-30

Santa Ysabel, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Closed with explanation

Timely Response

2018-11-30

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-11-29

TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XX/XX/2014 I received a message through fax from XXXX XXXX the recovery specialist stating once I paid the full balance of XXXX Westlake financial service would release the title ( which they did ) and would update the info on my credit report as paid in full ( which they have not done ) it is listed as legally paid in full for less than the full balance. I paid the full amount and I have been disputing this for years through the XXXX and Westlake financial services. I have provided all the documentation as proof of this to XXXX and Westlake financial services. This has and continues to impact my credit and interest rates. Westlake financial services refuses to correct the information that is being improperly reported to the credit bureau. Recently I spoke with XXXX XXXX on the phone he informed me that he had looked over the documents and that the information is being reported correctly.
Company Response: Closed with explanation

Timely Response

2018-11-29

Co Spgs, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-27

Sandy Hook, CT

Took or threatened to take negative or legal action

Debt collection: Auto debt

Seized or attempted to seize your property
Complaint: This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment. My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.
Company Response: Closed with explanation

Timely Response

2018-11-26

Las Vegas, NV

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off
Company Response: Closed with explanation

Timely Response

2018-11-25

Buck, PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.
Company Response: Closed with explanation

Timely Response

2018-11-25

Greensboro, NC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I received info from XXXX stating that the information on my credit report is accurate from Westlake Financial services, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Company Response: Closed with explanation

Timely Response