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 20
2018-07-03
Blackbird, DE
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.
Company Response: Closed with explanation
2018-06-29
Chandler, AZ
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-06-28
Scottsdale, AZ
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Complaint: To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX.
The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail.
Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved.
I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.
Company Response: Closed with explanation
2018-06-27
Mem, TN
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
2018-06-27
Miami, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-06-26
TX
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: On XX/XX/15 I found a truck I really liked on the XXXX app. So I called the man who had it listed in XXXX XXXX Texas. It was a used car lot on Hwy XXXX. I asked my neighbor if he would take me there and he said sure. He was a retired mechanic so I wanted him to look and make sure it was a good truck. I scheduled an appointment and We drove XXXX miles one way XXXX round trip to go see it. At that time I was sorta in a hurry to buy and experience everything My heart desired due to the fact I was diagnosed with XXXX XXXX. I didnt have a good running car to travel back and forth to the hospital. I was going at least 3 days a week for appointments and for XXXX I was hospitalized for 4 days during that 4 days I was hooked up 24hours a day to the worst most XXXX XXXX there was. I was totally isolated due to the poison level of it. I did that every third week for twelve treatments. I was on heavy medications for pain and sickness It was the harshest form of XXXX in existence and I was very sick and in a lot of pain and a bald woman so that was very depressing. We went and drove this truck and I fell in love with it. I asked all the questions about why this red light was on and why was it doing this and the salesman guaranteed me it was in top notch running condition. XXXX my friend didnt like the oil light coming on but he wanted me to get everything I wanted so in his mind he figured if it blew up hed fix it just so Id be happy. I went inside to see what it would cost and if I could even afford it. I live on a below poverty XXXX income. The guy was real nice but I knew when I asked why that red light was on he lifted the hood and went to check the oil with it running. Im a girl but I know you dont check the oil with it running. But I really loved that truck so I said look please be honest with me I have XXXX and I need a dependable vehicles to drive back and forth to the hospital in XXXX Texas which is XXXX miles one way from my home. I would die if I broke down in the heat or cold, I was very sick at that time. He was sorta concerned but everyone acts like they are some are and some really dont care, so I wasnt sure.. He agreed to run a credit check and I was approved with a {$4000.00} down payment. It was a high interest loan at 15.9 % interest because my credit score was very low. I prayed and asked the lord to open or close that door and I would accept his decision. I had no money so I asked if he would let me sell some things I owned and give me some time to do that. I asked if he would mark it sold. He said no he couldnt do that but he would not sell it. But I needed to get busy in case someone walked in with cash money. So we hurried home. I had borrowed my neighbors truck to drive there and it was getting late so I went on. I made a list of some valuable jewlrey I had and did some research to find the value so I could sell it for the {$4000.00}. I needed. I spent the next week going from place to place and sold almost enough to pay the down payment. I only needed {$800.00} more dollars. I took what I had to the man at the car lol. Gave it to him and he gave me a reciept and he said now you know this money in non refundable, dont you and my heart starting racing. I said I only lack {$800.00} please give me a chance to get the last {$800.00}. He said look you have till the end of the week to get the money he said I could have sold it for cash several times and turned it down. I had tears and told him Id be back in two days. Oh boy I was nervous. I was so scared he was up to something he was in such a hurry to get rid of that truck. XXXX my neighbor took me to he next day to a high interest loan place where he had a loan and I was approved for the {$800.00} I needed to complete the {$4000.00} down payment .so I called the car lot and I called and I called. No one answered the phone so come Friday I just had XXXX take me there.it was early But the sign said they were open the gate was closed And locked.It made me really nervous. The truck was In The same spot I parked it when I test drove it. So that was positive but I just had a weird sick feeling about it all of a sudden. I couldnt for the life of me understand why they were closed on a Friday when the sign said they opened at 8 am and it was 11 : am. So XXXX and I went and got a soda at the corner store and Just waited at the gate. XXXX was an old man and really wasnt up to waiting so I said you can go on back if youd like. I have my money I need to pay my down payment. Ill be fine to drive it home. Well he didnt like that but her entually went on home and left me to wait. He wa swirlies because he knew I did t have any of my meds with me but I wAs instistant and excited and I couldnt wait to get behind the wheel of my new truck. Sometime after 12 pm he finally showed up. He didnt have the paper work together and he kept saying Ive neve done this this is XXXX job so if we do it wrong we may have to do it over but sign here here here .... ok no prob he gave me all the stuff we signed and was explaining why I had to pay {$800.00} for some thing like tobthem for getting me the loan. I was so excited And on so much medication I never really heard all of his reasoning. Anyway the price of the truck went from {$13000.00} to $ {$14000.00}. And he said XXXX will have to do the paperwork I did it wrong. He said but he is gone until next week. So we will have to wait. I thought I was gon na faint. In fact I excused myself and went down the hall to the rest room and threw up I was so disappointed it made me sick. Plus I had no way to get home. He heard me when I got back he said are you ok and I started crying. I couldnt help it I was so disappointed. He said look Im gon na let you take it you signed. This paperwork its not right but we can do it over next week when XXXX gets back. I dried up my tears and was happy and started throwing up against n but made it out side thankfully. There was several things I wanted to question on the papers I signed. He assured me we would XXXX come er it all when XXXX came back. So Im in the truck and Im nervous and exicited and I drive be out the front gate. Im going the back roads to get home because the traffic is way lighter. I get 3 miles from the dealership and the truck that totally dies. I am in panic mode where do I pull off, I cant pull off it wont start. Im in a country subdivision Im in someones front yard or Im blocking their drive way. I was suppose hi I my all these things and called my the dealer to tell him Im broke down and no answer. Oh me what am I going to do what is wrong with my new truck?? Finally he called me back I told him where I wa sand what happened .he said Im sending a man to tow you back here. So he did. A man who really scared me pulled me with a food back to the car lot. He was sorta XXXX and was towing me way way too fast. We made it back to the dealer and the sales man was uploading at him slow down and he hits the back of one of the trucks for sale. I am in tears. I knew it wasnt good. He tells me leave the truck Ill have to get a mechanic here to work on it. He says this man ( the XXXX man ) is going to take you home. OMG I was a nervous wreck.I had been a victim of bad things and I was scared out of my mind to go but I knew I had to..it was Late it had been a very long disappointing day .i hadnt had a bite to eat or drink and I was We made it to my house fine and he left. I was so upset .i went in and went to bed. I cried my self to sleep. I had already put insurance on it so I knew if someone stole it it would be covered. I called everyday asking what was up.all I got was he had some one coming to see if he could fix it. Some days he would t answer my calls and Id drive there to check in it. I was paying the payment and the insurance on it and I didnt even drive it 3 miles. Months went by and it was always one excuse after another. I drove there every weekend to see if anything had een done to it. It was always in the exact same spot never movEd one inch. Finally after him having it 4 months he calls me and says Guess What your truck is like a new truck come and pick it up. Oh boy I was so happy. After months of major XXXX. I was so down on myself for not calling the authorities, but I am not atrouble maker. I dont like it.and he convencied me it was all good. I believed every word he said. I mean every word.I looked sick web. He saw me he was shocked how bad I look what the XXXX and worry had done to me. He hands me the key and says go home and get some rest the truck is like new. So I get in it and I start toward home. I get 4 miles down the highway XXXX going toward XXXX to show a friend my new ride and I in heavy traffic but it moving good, I going oh XXXX mob and I hear this load bang and suddenly the truck dies the window dogs up and it smells like antifreeze and it hissing, there is no exit for me to get off the highway so I look back to make sure there is itjing coming on the access road and. Her I go across the median with no power steering no brakes nothing the truck is DEAD. OMG I am frantic. A state worker pulls over and Im crying and hes like are you ok can I drive you somewhere ... no Im fine I just bought this and I started telling him what has transpired he is in shock for me. He goes back to work. Here it is 5:00 traffic I calling the sales man Im on the side of the highway outside of XXXX and hes not answering the phone so Im telling him where I am What has happened. He calls me back in 20 mins. He says Im sending the same guy to tow you. Im sick Im weak I am mad I am hurt Ive been taken to the cleaners. The man gets there he is not happy he is very rude and hateful. He hooks up the truck I have no power no brakes nothing he starts out pulling me 70 mph I am livid. I call the car lot I dont have this mans number but he is gon na kill me. So then the tow strap breaks. I couldnt see any of his brake lights he tied me too close I dont know what to do so I lay on my breaks and they arent real good but it takes me to a slow stop. He turns around and comes back and is cursing me. He had a speech problem so I could t understand one word he was screaming beside that I was it going to put up with his nasty mouth. I said you need to calm down first then you need to time me where I can see when you are slowing down I cant see your brake lights., and I said Im it going again if you dont slow it down. I had grown up all over the inside of my truck and I was so thirsty I told him I got sick and I must stop and get some water. So we did. We arrived back it was dark, 9:00 at night and pouring down rain. He never did anything but get out in hook the strap from his truck and he drove off. He left me in the Parking lot at 12am alone at the car lot in the freezing rain with nothing but wet clothes in a totally dead truck no heat nothing. So I start calling the sales man he never answered. A friend came all the way from XXXX to help me. She took me to get dry clothes at XXXX and she stayed with me because I refused to leave my truck without knowing what was going to be done. The next day the salesman came in late like after 12. I was not happy. I was furious.he fed me full of a bunch of bologna. Made every excuse in the book he could. And he sent me home. He sold the tell me what or when someone hung would be done he refused to give me a loaner said it was against his insurance policy he wasnt going to do anything. My spirits were lower than low I knew XXXX fed off of stress and I began to get very sick. More than ever. I called weekly and drove to my truck at least 1 time a week checking in it. Nothing at all had been done it hadnt been moved nothing .so I started threatening lawsuit. And the paperwork suddenly came to mind. He never ever brought up the paperwork he promised it would be revised and it never was. At this point I was hospitalized more and more and was very heavily medicated. There was a time or two I reached out to the fianance company to share with them what was being done to me.i was making payments And insuring a truck I had never made it home it. They didnt care one bit all they cared was that that payment was made and in time. They didnt care that i was heated in the price or that the truck had been at the dealer for nearly a year they didnt have any compassion at all for me, for my lifes situation, my health problems, nothing. Just that payment that was all. After a year went by I received a call that my truck was towed to a place in XXXX Texas to get a rebuilt motor put in it. I was for the past year under the infuluene of a lot of meds. I was at that point going to XXXX care, that is what I call the dead dr . They send you there preparing you for death. Things were not at all good I was on Morphine and that is usually the end. This man never addressed the paper work I was made to sign. I was paying a whole lot more than I should have. I contacted the loan company and they said the car lot submitted it to us we wrote them a check so you must pay or we will repo it. I was not in any mental state to make any decisions as to what to do or exactly how much I was being cheated out of. I am at the end of my note now. I know the truck cost {$13000.00}. I gave $ XXXX.cash down. So that takes the amount to be Fiananced down to {$9200.00}. Well they charged me {$800.00} for getting me the fianancing. The are charging me for gap insurance and I have a signed waver. All the ttl stuff. Then they take my {$4000.00}. Cash down payment and instead of subtracting it from the sale price they add it. So instead of me paying back {$9200.00}. Tax title and liscense Plus interest they have me paying back {$18000.00}. I have sent the Fianance company XXXX XXXX all burden of proof and they do not care. Either I pay if they come get it. My truck is paid for and I still am being forced to make payments I do not owe. They say they sent us the contract we sent the money we dont care what the contract says or If my down payment was add d or subtracted. They will repo the truck if I default. I have over paid them by my figures nearly {$5000.00}. They say my balance is still {$2800.00}. I do not owe that I dont owe anything on it it is clear to me now that Im not on morphene and major pain meds I am being cheated. They owe me money. I am by the grace of XXXX still alive. I still have terminal XXXX. I have fought to stay alive. Will someone please help me stop this and make these thieves stop taking away my disability income? They are taking advantage of me.. I live on a 500 % below poverty income. I have been a woman if my word and fullfilled the deal I made on the truck. The dealer has not. He lied about the fianancing he promised he was buying me 6 new tires just like the ones that were in it when I bought it but gone swapped out for junk tires during the first year they had it. He promised he would buy me a brand new set of mud grapplers identical to the ones it had that they stood off it. And he promised me side steps for it and a wench in a cradle. I e not received one of them hem. Im sure it was to cover up the fact he never brought up the contract he did wrong. And left wrong during all the problems. It was a great cover up for him to continue on with what ever price he wanted to get me for. I was facing death I was on XXXX on major rx drugs. the motor blew 2 times he kept it a year and they stripped it while they had it of the good tires the steps and never put the winch with cradle he promised me he would put on it. Then he took me for over {$7000.00} by a fraudulent contract. His excuse he didnt normally do paperwork wed redomit. He added the down payment to the selling price of the truck plus added fees and insurance I never agreed to. This type of fraudulent activities need to be stopped .i am reaching out for help .i am a honest woman and I have been scammed. I am reaching out for help. I am still being cheated out of my very small income. And there is no telling no many others they have cheated like they have and still are me. I have never been in trouble in my life. I worked hard all my life and XXXX stole it all away. I have nothing but reminders of what has been taken from me. Ive never sued anyone I have never taken or stollen from anyone.I should not be made to allow this to happen to me. I am at the end of my trail and Id like to recover my money. I need it for Dr bills, medication and because its all I have left. Thank You!
Company Response: Closed with explanation
2018-06-26
Lenoir City, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?
Company Response: Closed with explanation
2018-06-25
Bell Canyon, 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
2018-06-24
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Westlake threatened that I pay or my credit would be ruined. I was in XXXX and now I'm XXXX. I cant XXXX and I suffered XXXX XXXX to my XXXX and I can XXXX XXXX. I told them said said there is nothing they could do. the date is XX/XX/XXXX for XXXX. they said I must pay they don't care. they made me feel like XXXX XXXX again. I'm so XXXX My Account Sign Out Overview Credit Reports Alerts Protection Credit Tools XXXX Poor As of : XX/XX/XXXX Print Report Personal Information Score Factors Your credit score is calculated using 5 factors.
40 % Payment History 35 % Outstanding Debt 10 % Account Types 10 % Credit Age 5 % New Activity = 100 % Your Credit Score Payment HistoryPoor Paying your bills on time is the single most important thing you can do for your credit score, this shows creditors that you are willing and able to meet all your obligations.
1 Collection Accounts 4 Delinquent Accounts 0 Public Records 4 Late Payments 86 % of on time payments Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Outstanding DebtExcellent Keeping your balances low compared to your available credit shows creditors you are able to manage your debt and your budget is likely in line. Keeping your balances under 30 % is a good rule of thumb but keeping them under 10 % ( but greater than 0 % ) is your ideal target.
{$3300.00} Total Credit Usage {$34000.00} Total Credit Limit 10 % Credit Utilization Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Account TypesGood Having a diverse mix of different account types demonstrates your ability to meet your credit obligations.
11 Open Accounts 3 Closed Accounts 14 Total Accounts Credit Mix Open AccountClosed Account 1 0 Real Estate 1 0 Auto 5 0 Student 2 3 Credit Card 2 0 Other Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Credit AgeGood Creditors value longevity and consistency so the deeper your credit history is the better. Remember that opening new accounts and closing existing accounts can impact your credit age.
1 Year 7 Months Average Credit Age 6 Years 5 Months Oldest Account 5 Months Newest Account Oldest Account rentreporters.com/residence Act. # XXXX Current XXXX Open Real Estate Account Type Newest Account XXXX XXXX XXXXXXXX Act. # XXXX Collection Chargeoff XXXX Open Other Account Type Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now New ActivityFair While new activity is normal and represents the lowest impact to your score, it is a good idea to refrain from opening a bunch of new accounts in a short time frame.
Who's been checking your credit?
Inquiry : XXXX Date:XXXX Inquiry : XXXX/XXXX Date:XXXX Review All Inquiries Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Accounts Summary Total Balances : {$49000.00} Total Payments : {$500.00} Real Estate Balance {$0.00} Payment {$0.00} View Real Estate Auto Loans Balance {$13000.00} Payment {$310.00} View Auto Loans Credit Cards Balance {$6900.00} Payment {$140.00} View Credit Cards Student Loans Balance {$28000.00} Payment {$0.00} View Student Loans Other Accounts Balance {$100.00} Payment {$50.00} View Other Accounts Negative Items Collections 1 Public Records 0 View Negative Items Collections Accounts Debts that have been turned over to a third-party collection agency.
Your payment history has the greatest impact on your credit scores. Debts in collection often have long-term, harmful effects on your scores. They remain on your reports for up to seven years, and if they lead to legal action to collect the debt, the harmful hit to your scores is magnified. Work with your creditor to find a repayment solution to lessen the negative consequences.
XXXX XXXX XXXXXXXX Balance {$3500.00} COLLECTIONS XXXX XXXX XXXX XXXX Original Creditor XXXX Act. # XXXX Opened XXXX Reported Open Condition Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, MD XXXX | ( XXXX ) XXXX Compare this account across all bureaus.
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Compare Account Open AccountsClosed AccountsAll Accounts Your Accounts Reported from XXXX XXXX Sort by All Account Types Viewing All Account Types XXXX XXXX XXXXXXXX Act. # XXXX {$150.00} Past Due XXXX Opened {$1000.00} Credit Limit {$2100.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$60.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , TX XXXX | ( XXXX ) XXXX Remarks : Canceled by credit grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 1 Negative Item XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX {$200.00} Past Due XXXX Opened {$750.00} Credit Limit {$1300.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$43.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX Remarks : Dispute resolved ; reported by grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$14000.00} High Balance {$15000.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$12000.00} High Balance {$13000.00} Balance Individual Account Vehicle Loan Account Type Open Condition XXXX Date Reported {$310.00} Payment Creditor Contact : XXXX XXXX XXXX , XXXX XXXX , CA XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX/XXXX Act. # XXXX Current XXXX Opened {$8000.00} Credit Limit {$3300.00} Balance Authorized User Account Credit Card Account Type Open Condition XXXX Date Reported {$39.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , SD XXXX You are an authorized user on this account.
This means the primary cardholder has trusted you with access to their credit. While you are not contractually responsible for the debt or making the payments, the account is reported on your credit profile. On-time payments could be beneficial to your scores, and conversely, late payments could have a negative impact. If this account has a negative impact on your scores, you can ask the bank to remove you as an authorized user and to stop reporting it on your credit profile.
Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$2900.00} High Balance {$3100.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX XXXX ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$2600.00} High Balance {$2700.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$430.00} High Balance {$67.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$33.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$210.00} High Balance {$33.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$17.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account chase card Act. # XXXX Current XXXX Opened {$26000.00} Credit Limit {$0.00} Balance Terminated Account Credit Card Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX. XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account rentreporters.com/residence Act. # XXXX Current XXXX Opened {$1800.00} High Balance {$0.00} Balance Individual Account Home Loan Account Type Open Condition XXXX Date Reported {$1800.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account capital bank Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$180.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX , XXXX, MD XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus.
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Your credit report has recently been checked by a creditor or lender.
Inquiry : XXXXDate of Inquiry : XXXX Contact:XXXX XXXX XXXX XXXX , XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX XXXX Score Reasons Positive and Negative Reasons Impacting Your Credit Score.
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Call Us at XXXX Live representatives are available Monday - Friday, XXXX to XXXX CST Saturday, XXXX to XXXX CST Sunday, XXXX to XXXX CST Protected & secured with using ScoreSense Dashboard XXXX Report XXXX Report XXXX Report My Score Tools Family Identity Learning Center Alerts ScoreTracker Disputes Credit Freeze help Contact Us FAQs legal Terms & Conditions Privacy Policy About Us stay connected ScoreSense is a trademark of XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX. All rights reserved.
Company Response: Closed with explanation
2018-06-21
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.
Company Response: Closed with explanation
2018-06-19
Lawndale, CA
Incorrect information on your report
Vehicle loan or lease: Title loan
Account status incorrect
Company Response: Closed with explanation
2018-06-19
CA
Vehicle was damaged or destroyed the vehicle
Payday loan, title loan, or personal loan: Title loan
Complaint: I applied for a title loan. I was approved and a notary met me where I had to sign some documents. One of those documents was consent to automatically take the payment from my account every month. My husband had passed away, I was going through XXXX XXXX myself and then had a life threatening stalker and had to move out of the only city i have lived in for 46 years. I did not pay attention to my account. i should have. The loan payment was not coming out of my account. The first payment was due XX/XX/XXXX. in XX/XX/XXXX I was at a friends taking care of his mom after XXXX and the a company came and repossessed my car. When my car was taken I had had a qtr less than a full tank of gas. When I picked the car up, the tank was empty, my tire was flat, a rosary that my grandmother gave me that was blessed by the pope had been ripped from the rear view mirror because there were only 2 pieces left. My battery was dead. The place I picked it up from had to give me a jump start to get it started. They have yet to report to the credit that the car is not repossessed, they have yet to respond to several emails and a few phone conversations they keep demanding their payment which I intended to pay off with my tax return, I had done everything they asked of me, and yet, I STILL have no word on the status of my belongings or the damage to my car. And my credit score is getting worse and worse after working so hard on it since my credit went bad as I was a stay at home Mom when my husband was first sick. This is not ok. I have emails, automated voice messages, and haven't heard from them in some time now. It has been 4 months. And nothing is resolved. I need a tire, a plastic piece that goes under my hood, the XXXX XXXX that I am paying monthly for because it's on a contract, A new battery, a tank of gas, and the rest of my belongings. From day 1 they did not do anything they stated they were. I can not even get my XXXX year old son a car because they have damaged my credit because I will not pay anymore payments, ( which I had made 2 payments since then but they have yet to resolve any issues with my things ) so I refuse until they give me some resolution. I have all documentation backing this up. But am at work so I will send them when I get home.
Company Response: Closed with explanation
2018-06-15
VT
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.
Company Response: Closed with explanation
2018-06-13
Covington, TN
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
2018-06-13
Charlotte, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Company Response: Closed with explanation
2018-06-13
Cape Coral, FL
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-13
Lexington, NC
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst
Company Response: Closed with explanation
2018-06-06
Quartzsite, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I took out a auto loan with Westlake financial. The loan was paid in full XX/XX/18. Over 90 days later, the loan still shows that I owe over 4,400 on the loan. I have contacted Westlake numberous times without any success. Westlake has send me the pink slip showing the auto is paid in full, but will not remove it from my credit report.
Company Response: Closed with explanation
2018-06-06
NJ
Getting a loan or lease
Vehicle loan or lease: Loan
High-pressure sales tactics
Complaint: Deceptive unfair trade practice used to take money from me and sell an old car.
Company Response: Closed with explanation
2018-06-05
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Company Response: Closed with explanation
2018-06-04
Arco, CA
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: Westlake Financial is a predatory lender with very dangerous business practices that violate state and federal laws of the Fair Credit Reporting Act. Westlake Financial services have very fraudulent accounting practices they are able to assess any additional penalties and fees to their client accounts and fraudulently, illegally and unlawfully increase their profits. The State and Federal authorities need to immediately investigation the business practices of the predatory lender and take appropriate action against them to prevent any further victims.
My car was totaled as a loss by my insurance company on XX/XX/XXXX. My insurance company made immediate contact with Westlake only for Westlake to intentionally delay the settlement proceedings with my insurance company so they could slow down the clock, so to speak, and fraudulently add additional fees and penalties to my account. Once my insurance company mailed Westlake Financial the payoff amount for my vehicle, they again intentionally stalled in applying this payment to my account and then reported my account to the credit bureaus as past due. They never adjusted the balance of my account with the insurance payoff amount although they had already cashed the check by the time they made their reporting to the credit bureaus. Westlake Financial cashed the check from my insurance company and updated my account in their system on XX/XX/XXXX ( although they received it on XX/XX/XXXX ). They proceeded to submit incorrect and adverse account information to all credit bureaus on XX/XX/XXXX with my account not reflecting any payments since XX/XX/XXXX and declaring me 60 days late. This caused my credit scores to drop dramatically as I have never had negative credit reporting by Westlake before this in the history of the loan that began in XXXX.
It was only since XX/XX/XXXX, with the total loss of the car and hashing out the details with insurance and gap insurance companies, that Westlake decides to turn this into some adverse reporting act. The initial loan was for about {$16000.00} in XX/XX/XXXX. With the loss payout and history of my payments towards the loan, the balance is now about {$2000.00} ( which the gap insurance company would cover ). Thanks to Westlake 's intentionally delayed communication with my insurance company, the gap insurance only received the documents for this loss on XX/XX/XXXX. The gap insurance company has begun to process the claim, yet have not finished. But Westlake, as of today - JXX/XX/XXXX, has decided to charge off my account. This is to purposely cause me harm with the adverse reporting the credit bureaus and causing my credit history to be detrimentally affected.
I am requesting and immediate review into my account and for all penalties of the highest amounts to be assessed for their fraudulent lending practices. PLEASE DO NOT EVER USE WESTLAKE FINANCIAL FOR ANY OF YOUR LENDING NEEDS. THEY PREY AGAINST CONSUMERS AND SHOULD BE PLACED OUT OF BUSINESS. DO NOT ALLOW ANY DEALERSHIPS TO COERCE YOU INTO DOING BUSINESS WITH WESTLAKE FINANCIAL. TAKE YOUR BUSINESS ELSEWHERE AND PROTECT YOUR CREDIT. DO NOT DO BUSINESS WITH WESTLAKE FINANCIAL.
Company Response: Closed with explanation
2018-06-04
Kendall, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-06-03
Palma Ceia, FL
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-06-02
San Tan Valley, AZ
Incorrect information on your report
Payday loan, title loan, or personal loan: Personal line of credit
Account information incorrect
Company Response: Closed with explanation
2018-06-01
Oldsmar, FL
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