Westlake Services, LLC

2017-03-16

Pflugerville, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Wallington, NJ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response: Closed with explanation

Disputed: No Untimely Response

2017-03-13

ME

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Cocoa, FL

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Complaint: I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! The loan is over the statue of limitations.
Company Response: Closed

Disputed: No Timely Response

2017-03-10

Oldsmar, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-04

Gilman, IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-27

Kingstree, SC

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-26

Indianapolis, IN

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-24

NJ

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Phila, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

San Jacinto, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-18

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. The interest rate is almost 25 %.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-17

MA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-16

Patterson, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Columbia, SC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

San Diego, CA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Brooklyn, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed

Disputed: No Timely Response

2017-02-08

Matteson, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

FL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: hello i purchased a car from a dealership everything was great they got me a loan with a lender named westlake financial services in XXXX california i made my first payment without any problems but after 2 weeks from that time i received a call from the dealership saying that the bank return the loan to them and that i need to pay the car in full to the dealership or be repossess now the bank never called me about this i made my first payment to them without any problems i have a contract signed with them i dont understand what is going on i think there is a fraud here and im very XXXX because of this now i lost my first payment money and the dealership is threathning me that if i dont pay in full they will come with the police to take the car is this right? i cant afford an attorney i putted XXXX down for the car this is a nightmare for me and my family please help me
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-08

August F. Haw, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Tarzana, CA

Payment to acct not credited

Consumer Loan: Title loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-06

NC

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-06

Lewiston, NY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: voluntary repossession amount of debt not true
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Dexter, KY

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response