Westlake Services, LLC

2016-03-20

Ridgeland, MS

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-20

Hinkley, CA

Payment to acct not credited

Consumer Loan: Title loan

Complaint: we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Lake La, CA

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-03-17

San Diego, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Lake La, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Lake City, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-15

Juniper Hills, CA

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

Orchard Mines, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-10

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: IN RE : Westlake Financial Services XXXX Inc. Complaint # : i Dear Investigating Officer, I am writing this letter as a follow-up to complaint #, filed on XXXX, with the Consumer Financial Protection Bureau. I am also filing concurrent complaints with the Arizona XXXX, the Arizona Department XXXX, the XXXX XXXX XXXX XXXX XXXX, and the Arizona Department XXXX XXXX XXXX. In addition, I will be filing complaints with XXXX, the Justice Department, and the Comptroller of the Currency. I have specific complaints about Westlake in the handling of financing for my vehicle, a XXXX Ford Mustang that was purchased through XXXX XXXX in XXXX, Arizona on XXXX. Those complaints include : Westlake placing an illegal lien on my vehicle using a fraudulent contract. Westlake using that fraudulent contract to collect over {$22000.00} on a " lease '' I never consented to. Westlake ordering my vehicle repossessed without just cause, and without a showing of the inability to pay or proof of insolvency. Westlake charging repossession fees and repossessing my vehicle prior to the first payment being due. Westlake charging over {$1300.00} worth of interest in a 60-day time period. Westlake demanding and receiving over {$22000.00} in repossession fees and interest in an 8 month time period. Westlake employing illegal collection tactics. Westlake failing to provide a proper and full accounting on demand. Westlake failing to stop charging interest when the vehicle was repossessed upon their request and sold. Westlake continuing to charge interest after taking the vehicle and selling it in excess of the legal limits. Westlake failing to return fees and charges in excess of legal limits. Westlake failing to provide copies of the alleged contract on demand. On _____, I went to XXXX XXXX and attempted to " downsize '' my XXXX Ford Mustang, which was paid for in full to XXXX XXXX XXXX XXXX on XXXX. At that time, I made a deal with XXXX XXXX that included the " trade in '' of the XXXX Mustang for a XXXX Mustang. I was told that my trade in value for the XXXX Mustang was {$25000.00}. I was told that the new Mustang was {$22000.00}. I should have received approximately {$3000.00} back from the dealership. I also was given XXXX for my boss that was the whole reason for the sale of the XXXX mustang I paid off in full two days prior to buying XXXX vehicle from XXXX. XXXX I paid in full XXXX to XXXX XXXX XXXX who was my employer at time XXXX. he had given me XXXX to help pay off the XXXX mustang .XXXX informed me he needed the money back the following day. In order to keep credit score from falling I paid off XXXX. I had gotten a loan from XXXX through XXXX 78 days prior to its repossession on XXXX XXXX XXXX in which XXXX miss informed me of contract pay date saying 90 days till first payment which would n't have beed due till XXXX/XXXX/XXXX. I feel be ford intentionally has mis lead me on XXXX different occasion to gain moneys un lawfully. They stole my rebates on XXXX mustang sticker price was XXXXXXXX5.1 % interest My total due was XXXX on paying off loan .doesnt add up. XXXX XXXX was suppose to give me XXXX for XXXX mustang with XXXX.cash In exchange for XXXX mustang which sticker was XXXX Which should of left XXXX to me for over pay and XXXX for XXXX no one in their right mind would have paid off all that money then to have a loan for a cheeper car they mislead me to belive it was a sale straight ACROSS AND MONEY BACK TOTALLING XXXX DOLLAR. There was never suppose to be a loan for that money on contract from west lake. On XXXX XXXX the XXXX mustang was impounded for me not having license. XXXX failure to put transfer of title to XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-08

Los Angeles, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Dallas, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Lawrence, MA

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Five Points, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

Garrett Park, MD

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Complaint: I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-29

Garrett Park, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Auto loan XXXX, 2012 for {$8400.00} Paid over {$11000.00}. Requested full verification and requested explained how the added interest fees or other charges due that not agree or not permitted by law. Requested & they would not respond.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-02-28

Philadelphia, PA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-24

Tampa, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

IN

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: This debt does n't belong to me I never rent a property with Westlake Financial. I request this account to be removed from my XXXX Credit Bureau.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-23

Philadelphia, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-02-19

Hawthorne, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-18

E Hartford, CT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Houston Lake, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Garrison, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-13

MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.
Company Response: Closed with monetary relief

Disputed: No Timely Response