Westlake Services, LLC
Consumer Complaints
There are over 1258 complaints on file for Westlake Services, LLC. Dated between 2019-12-15 and 2013-04-24.
Complaints Page 17
2018-09-27
Seneca, SC
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.
Company Response: Closed with explanation
2018-09-24
Shelby Township, MI
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming.
The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX.
Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist.
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!!
This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.
Company Response: Closed with explanation
2018-09-24
Palos Park, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.
Company Response: Closed with explanation
2018-09-20
Palos Park, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX.
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC.
I went on to inquire about my settlement put in place by XXXX XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.
Company Response: Closed with explanation
2018-09-20
Greentown, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Company Response: Closed with explanation
2018-09-19
Great Neck, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Westlake Financial Services has consistently misreported to my XXXX and XXXX reports multiple times.
On my XXXX my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018.
They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred.
I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt apply that forbearance
Company Response: Closed with explanation
2018-09-18
Wallington, NJ
Getting a loan or lease
Vehicle loan or lease: Loan
High-pressure sales tactics
Company Response: Closed with explanation
2018-09-18
Atl, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-09-18
CA
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: Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting agencies.
Company Response: Closed with explanation
2018-09-17
Philadelphia, PA
Written notification about debt
Debt collection: Auto debt
Didn't receive notice of right to dispute
Complaint: In accordance with the Fair Credit Reporting Act, I am asking you to immediately stop all collection activities about this debt, and stop reporting it to credit bureaus. I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report Please send me a letter explaining what you have done to : Stop collection activities against me Stop reporting information about the debt to credit bureaus If you've already reported the debt to credit bureaus, Provide me with the records I request.All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). 23 Promptly modify or delete the information, or block its reporting. Section 62 Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 24 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Company Response: Closed with explanation
2018-09-17
Sarasota, FL
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ).
Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum.
I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying.
I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.
In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX.
I still have nothing from this company.
I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full.
I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account.
Please help me.
Company Response: Closed with explanation
2018-09-17
Lakeland, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Company Response: Closed with explanation
2018-09-15
San Gabriel, CA
Loan payment wasn't credited to your account
Payday loan, title loan, or personal loan: Title loan
Complaint: I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.
Company Response: Closed with explanation
2018-09-15
Amelia Village, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.
Company Response: Closed with explanation
2018-09-15
Irwin, IL
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-09-13
Highland, CA
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
2018-09-12
Weston, CT
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.
Company Response: Closed with explanation
2018-09-12
Wahiawa, HI
Written notification about debt
Debt collection: Auto debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-09-10
Ridley Park, PA
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
Complaint: My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Company Response: Closed with explanation
2018-09-10
Williston, ND
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: My wife has called in and spoken to several different people who have not been helpful and have hung up on her. At the end of XX/XX/XXXX the XXXX that is financed on this loan was damaged in a hail storm. On XX/XX/XXXX I made a payment against the loan and spoke to a westlake representative about this issue and that the insurance company would be contacting them about payoff. I asked that the automatic payments be shut off and was assured no additional payments would be taken. After communication from the insurance company and a letter being signed by Westlake showing their intent to send the title to the insurance company after payoff was received, a payment was taken out of my bank account on XX/XX/2018. Westlake had confirmation that the loan was being paid off by the insurance company and provided the payoff amount. The payment that was electronically taken out of the bank account held by my wife and I was taken incorrectly. My wife is trying to get this resolved with Westlake and is being told that the money will be returned within 21 business days. She has been transferred around, put on hold and then miraculously disconnected by two individuals in two different departments. I have emailed Westlake Customer email and received a response back that I would be contacted within 10 days. I have called on multiple occasions to be left on hold and never make it to a person. I finally made it to someone today and asked for a supervisor only to be put on hold over and over and told no supervisor was available. I asked for the next level up and was told they were not available. I asked for someone who had the authority and refused to wait for a call back as I have not received one yet. I was finally put on with a supervisor who talked over me until they finally hung up on me. How is it acceptable for Westlake to take the funds immediately and incorrectly and then to hold onto the funds for an additional month before returning them? Why would it take 21 business days to cut a check and mail it? Who do I need to talk to about refunding my money directly into my account the same way it was taken in a reasonable time? This is a reasonable question that no one can answer except to tell my wife that it is your process. Is it your companys process to take money fraudulently and then to hold it for over a month before returning it? You can not tell me that Westlake has the ability to take the money from my account but do not have the ability to return it the same way when a mistake has been made. You can not tell me that it takes 21 business days for Westlake to cut a check and to send it in the mail. You can not tell me that there is not one person within Westlake that has the authority to correct a mistake such as this faster than 21 business days.
It is ridiculous to even think that anyone would accept someone taking funds out of their bank account incorrectly and would not be upset that they have to wait approximately a month for the return of those funds. Would you accept this explanation?
Company Response: Closed with explanation
2018-09-10
Quartzsite, AZ
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: I am requresting The consumber finanacial protection Bureau investigate the lending/servicing practices for XXXX XXXX XXXX XXXX and Westlake Portfolio Management , LLC. XX/XX/XXXX Westlake Portfolio Management violated my rights under the federal Fair Debt Collection Practice Act and the Truth in Lending and its Representatives have used deceptive practices.
I spoke with Westlake Portfolio Management Employee for 23 minutes on XX/XX/XXXX. I informed Westlake Portfolio Management Employee I had not been notified of the Transfer of my XXXX XXXX Account being transferred in writing from XXXX XXXX or West Lake Portfolio. I informed Westlake Portfolio Management Employee any information obtained during my call would be used to ensure my Rights Under the Federal Fair Debt Collection Practice Act and the Truth in Lending Act were Honored and I am disputing this debt and requesting Validation, to include not being notified the loan being transfered, and I would be recording the phone call. Westlake Portfolio Management Employee stated he does not give me permission to do so. I acknowledged his statement and our conversation continued.
The Westlake Portfolio Management Employee stated I should have received a welcome packet, I then informed Westlake Portfolio Management Employee I did not. I provided Westlake Portfolio Management Employee with my home address, phone number, work address, work phone number, email and requested the " welcome '' packet be resent as I had not received anything from XXXX XXXX or On XX/XX/XXXX I informed Westlake Portfolio Management Employee that I had last spoke with XXXX XXXX representative XX/XX/XXXX for 10 minutes and at that time the representative informed me he would be emailing an account manager with my concerns and request for validation of the balance and they would be returning my call the next buisness day. At no point did any XXXX XXXX employee tell me my XXXX XXXX Account was being or had been transferred West Lake Portfolio LLc. When I did not receive a phone call on XX/XX/XXXX, I attempted to log on to the XXXX XXXX website, which is when I identified XXXX XXXX had transffered/or Sold my account to Westlake Portfolio LLc. I attempted to call Westlake Portfolio Management XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX and was unable to reach an employee as it was after buisness hours.
I informed Westlake Portfolio Management Employee I completed my contract aggreement with XXXX XXXX XX/XX/XXXX, andI have made multiple attempts to obtain Validation and Dispute the remaining balance owed to include honor representatives continuously stating Daily simple intrest rate is being chared, My Contract aggreement includes no information regarding a daily simple intrest rate which has been voiced this to Multiple XXXX XXXX representatives to include emails sent to XXXX XXXX CEO.
The Westlake Portfolio Management Employee informed me the daily simple intrest rate is {$1.00} and that Westlake would not be just giving me that infomation. I requested whom I would send my request to he provided me with Mailing Address XXXX XXXXXXXX XXXX XXXX California XXXX and Attention Legal Department. I requested the Westlake Portfolio Management employee Notate my account to state I am reporting that I completed my contract aggreement with XXXX XXXX XX/XX/XXXX. I would not be able to pay any further moneys on this account until I had something in writing stating West Lake LLc had legal Possession my account as I had already paid XXXX XXXX aproximately {$25000.00} which is over the stated loan contract agreement for my XXXX vehicle. I requested the Westlake Portfolio Management Employee notate my account that I am DISPUTING the West Lake Portfolio account, XXXX XXXX account, payment history, loan contract with West Lake Portfolio LLc and am REQUESTING VALIDATION of the of the account balance/debt from Westlake Portfolio Management. The Westlake Portfolio Management Employee stated he would notate my account and would resend this information out in the mail.
On XX/XX/XXXX @ XXXXXXXX XXXX I received letters envelope postdated XX/XX/XXXX from Westlake Portfolio Management and also XXXX XXXX Letter envelope Postdated XX/XX/XXXX welcome letters. XX/XX/XXXX between XXXX -XXXX Westlake Portfolio Management per XXXX Arizona Police Department Repossessed my Vehicle to Include My ID {$500.00} Cash in addition to other items reported to the XXXX Police Department that were in my Vehiche.
Company Response: Closed with explanation
2018-09-09
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I contacted 2 lender solve problems and they didnt work out they just keep telling me will contact me back but never I dispute with credit report is same problem and they told that I need contact company
Company Response: Closed with explanation
2018-09-09
Greenwood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
Company Response: Closed with explanation
2018-09-07
N Las Vegas, NV
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
2018-09-07
Salton City, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.
Company Response: Closed with explanation