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 23
2018-04-03
Arco, CA
Incorrect information on your report
Vehicle loan or lease: Title loan
Account information incorrect
Complaint: The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.
Company Response: Closed with explanation
2018-04-01
Miami, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-03-31
Fort Pierce, FL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal
Company Response: Closed with explanation
2018-03-29
Ft Myers, FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.
Company Response: Closed with explanation
2018-03-27
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-03-26
Bino, 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
Company Response: Closed with explanation
2018-03-24
Columbia, SC
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Title loan
Complaint: On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :
Company Response: Closed with explanation
2018-03-23
Chester, VA
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
2018-03-22
TX
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value.
Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.
Company Response: Closed with explanation
2018-03-22
Jackson, LA
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
2018-03-21
Missouri City, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information
Company Response: Closed with explanation
2018-03-20
Newark, CA
Struggling to pay your loan
Payday loan, title loan, or personal loan: Title loan
Company Response: Closed with explanation
2018-03-19
Chula Vista, CA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: A FRAUD WAS PERPETRATED AGAINST ME BEGINNING XX/XX/XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC AND IT'S REPRESENTATIVE XXXX XXXX ), USING XXXX XXXX XXXX XXXX TO OBTAIN AN AUTO LOAN OF {$25000.00} FOR A VEHICLE I NEVER RECEIVED. A {$4000.00} CASH DEPOSIT WAS OBTAINED FROM ME BY XXXX XXXX. I MADE NO PAYMENTS TO WESTLAKE. HOWEVER XXXX XXXX MADE PAYMENT ACTING AS THOUGH THEY WERE FROM ME.
A COMPLAINT WAS FILED AGAINST THE PERPETRATING PARTIES IN XXXX XXXX NORTH CAROLINA, ( BECAUSE I NEVER RECEIVED THE VEHICLE ), FOR BREACH OF CONTRACT, XXXX XXXX, CONVERSION, PIERCING THE CORPORATE VEIL AND FRAUD XX/XX/XXXX.
Company Response: Closed with explanation
2018-03-19
Ft Myers, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!
Company Response: Closed with explanation
2018-03-19
South Florida, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Hi there, I purchased a XXXX XXXX XXXX from a used care dealer here in XXXX florida, They got me financed through a company by the name of Westlake Financial with a ridiculous Interest rate but I didn't care as I planned to pay the car off within the first year. Well that didn't happen because the place that sold me the car sold me a car which they swore up and down didn't have any issues with it at all and come to find out within 2 months I had to spend {$4500.00} dollars on a new/used transmission , Drive Shaft, And a bunch of other things that were wrong with the car so the money I had put aside to pay off the car went out the window.
I kept up with payments and I fixed the car and got it to where I wouldn't have any issues with it for a long time. A few weeks after getting the car back I had it parked outside of a restaurant in downtown XXXX where a young drunk driver ran a red light and couldn't make the turn which in result ended up with my car getting totaled.
This happen on XXXX XXXX, I was XXXX but the girl had full coverage insurance and I knew I had gap coverage so I wasn't worried about the car getting paid off and then I could get something else within a little bit of time after I saved up for another down payment.
I notified my auto load company of what had happen and made sure they were aware, I was told by them I was not responsible for any payments after the date of loss which was on XX/XX/XXXX after about 3 weeks I went to meet with the girls insurance company to get my settlement check taken care of, They paid out {$5800.00} roughly towars the load amount which was for about {$7300.00} total at this point. The gap coverage paid about another {$1400.00} something dollars towards the loan which left me with almost nothing as a balance.
Well comes to find out once the gap and everything got taken care of they told me that I owed them for XXXX, XXXX, XXXX for the payments I missed, I explained to them I was not going to pay for payments on a car I no longer had and that was deemed a total loss by the insurer of the person who wrecked into my car, Not to mention they already had a {$5800.00} check from the person insurer already at this point and they were waiting for the gap which was in house and they were also getting the {$1400.00} something dollar check from that to cover the loan amount, which left me a balance of like {$300.00} which I was prepared to pay if they would close my account and remove these bogus late fee payments which were reported to my credit. they refused and have been reporting me every month again and again and ruining my credit. They got {$7100.00} roughly of a {$7500.00} loan for a car that was worth way less than that and yet they are still trying to scam me out of more money.
This is not a fare practice and they should be investigated, The next complain I will be making is going to be the Florida State Attorney General on this company.
My credit score went from a XXXX to less than a 450 all because they are trying to scam me for more money. Please I need help resolving this issue
Company Response: Closed with explanation
2018-03-17
Rochester, OH
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: Today XX/XX/XXXX I received a call from Westlake Financial Services that they had taken over my loan from XXXX XXXX XXXX. I had received no prior notice giving me any time to refinance my loan thru another company as I do not want to do business with Westlake. I do not want to have my loan via a company that has had multiple lawsuits against them for deceitful lending practices as well as other concerning things like their deceitful debt collecting tactics. One of the lawsuits just ran out on XX/XX/XXXX for consumers to file against them. Which is very curious as to their take over 5 days later and makes me wonder if this is why there was no prior notice. I talked to Westlake and they could give me no information other than it was a " business decision '' and to talk to XXXX. Which every number i have tried for them goes to a generic voicemail. This seems very off to me and I would like time to find another lender for my loan. However I have a payment due in 7 days and I do not want to go thru Westlake. I feel this was done in a very unprofessional way and illegally as there was no notice of this takeover. And i have received nothing from either company with any of the details of my account or anything else. Yet Westlake expects me to just make my payment to them next week.
Company Response: Closed with explanation
2018-03-16
Bedford, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed.
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused.
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance.
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement.
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.
Company Response: Closed with explanation
2018-03-15
TX
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016.
We recently had a issue with the Finance company Westlake Financial in California.
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.
Company Response: Closed with explanation
2018-03-12
Bellaire, TX
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation
2018-03-07
Houston, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: To Whom It May Concern, Westlake Financial apparently bought the car loan for the XXXX XXXX XXXX I purchased from XXXX XXXX XXXX which is also known as XXXX XXXX XXXX ( both entities are owned by the same person ). I purchased the car on XX/XX/XXXX. I did not receive a copy of the contract when I purchased the car. Shortly after, I became ill and required the assistance of my mother to assist me with my finances. My mother made the initial payment using her debit card in XXXX or XX/XX/XXXX. When I was able to take care of my own finances, my mother questioned me about the loan terms of the loan and asked for a copy of my contract. So, we ( my mother and I ) contacted Westlake Financial ; requested a copy of the original contract, on or about XX/XX/XXXX. We were informed by a female representative, I would receive a copy of the contract via email within 24-48 hrs. After I did not receive the contract, I contacted XXXX XXXX XXXX and requested a copy of my contract. To this day, XXXX XXXX XXXX, also known as XXXX XXXX XXXX, has not given me a copy of the requested document. We intentionally did not make a payment from XX/XX/XXXX through XX/XX/XXXX because we were waiting to receive the document I had requested ( contract ). My mother and I decided to call again and spoke with another Westlake Financial representative ( male ) on XX/XX/XXXX. We requested a copy of the original contract, once again and informed him this was the 2nd request for a copy of the contract. He assured me he would send a copy of the contract via email if I agreed to make a payment. He also informed me, there was a repossession order in affect due to none payment. My mother made a 2nd payment with this same representative on XX/XX/XXXX using her debit card. We still did not receive a copy of the contract but instead, a copy of the buyers order was emailed. Upon viewing the buyers order, I noticed there were 2 e-signed signatures on the last page and e-signed initials. I also noticed the terms on the buyers order were not the terms I agreed upon when I purchased the car from XXXX XXXX XXXX. I began to call XXXX XXXX XXXX to question what happened and why was the buyers order different and also requested a copy of my application and original contract. I still have not received the documents. On XX/XX/XXXX, I made a payment by contacting Westlake but turned around and cancelled the payment within an hour, after speaking to my mom and she informed me, XXXX XXXX XXXX nor Westlake Financial had sent me a copy of my original contract that I requested around XX/XX/XXXX. On XX/XX/XXXX, my mother and I contacted Westlake Financial and demanded a copy of the original contract and a copy of the original application. We informed a female supervisor at XXXX XXXX, this was the 3rd request for a copy of the contract. She apologized for the inconvenience and immediately sent a copy of a contract via email. Upon viewing the contract, I noticed there were singed signatures on the document. I am furious because this is not the document I signed when I purchased the car plus someone forged my signature with an e-sign signature! My question is why did Westlake Financial purchase the loan without a document that contained my original penmanship signature? My rights have been violated as a consumer!
Company Response: Closed with explanation
2018-03-07
La Tijera, 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
Company Response: Closed with explanation
2018-03-05
Lakeland, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2018-03-03
Greer, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.
Company Response: Closed with explanation
2018-03-02
Lewisville, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this
Company Response: Closed with explanation
2018-03-02
Knoxville, AR
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.
Company Response: Closed with explanation