Westlake Services, LLC

2016-02-12

Finksburg, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Baltimore, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-10

GA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I do not owe the debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Camp Springs, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

San Gabriel, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-08

NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. The company goes by the name of Westlake Financial Services. They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-08

NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-03

Jacksonville, FL

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: No Timely Response

2016-01-28

Penn, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-28

Key Biscayne, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: . I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly. 2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX. 3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do. 4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest. 5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me. 6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees. 7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call. Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-23

Patterson, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. XXXX, XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-23

Bressler, PA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2016-01-22

Canoga Park, 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: No Timely Response

2016-01-19

Phoenix, AZ

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: . XXXX XXXX 2015 I took in my {$57000.00} XXXX to XXXX and traded it in for a {$22000.00} XXXX and {$13000.00} cash to my understanding unbeknown to me a contract to Westlake financial my car get impounded Westlake pick the car up inform them that they stole my car from the police impound and I had no idea who they were they made me to pay them {$23.00} to make a long story short they charge me repo fees for my first payment was due for a contract that I did n't even know I had before it was all over the charge me 19 times for repose and my car was never even repo XXXX I paid {$22000.00} an extra repo fees then my car. Police impound again in XXXX my car got impounded again Westlake picked up my car again from police impound I called to ask how much money I owe them they told me how much money do you have I said XXXX I said hold on and then told me that I told him they needed to {$3300.00} this time I told him I did n't have it then I 've ended up paying in the money I want you to auto auction to pick up my car where I always pick it up at they said it was n't there 's call Westlake I called Westlake they told me I was at the XXXX and to go pick it up when picked it up there was no registration no plate on it so I took it down and got it reregistered about a month and a half later the police showed up at my house saying they were running my plate that my vehicle was reported stolen then a left and then it came back and they said they want to run the VIN and it came back stolen supposedly I should have all the paperwork another card with money in my name for nine months and that I traded to my car in for it and everything and the police took it upon themselves after seeing all the paperwork in the impound with all my paperwork instead some car lot reported it stolen I received a notice in the mail telling me they recovered my stolen vehicle at the police department and you come get it upon trying to get it back from the police department they informed me that it was still being held for evidence then I spoke to the detective on the phone he told me that it looks like I can afford the car and he was going to give it back to the finance company so I called the finance company two days later and they had already sold it my car payments were never late they had no reason to repo my vehicle I feel that this unfairly stole my vehicle I paid {$84000.00} total on that car I have all the receipts and I want my car back so now I 'm left with no car and my money is just out the door please help there 's more to the story but it wo n't fit please let me know what you can do I never broke the contract I have all receipts they charged me for recovery fees beforebfirst payment was due plus 19times for repost fees at XXXX to XXXX each time they 'd give me run around when trying to herbaceous back pass call around office stole my belongings out of car refused to give car with out full fees plus I paid 9 months of payments at XXXX they acted like collections hung up on me gave fake names when I asked whom I spoke to and later called back to speak to that person and telling me that person do n't work there they lied Alot
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-18

San Jacinto, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Syringa, VA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-12

Chesney Shores, IL

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: No Timely Response

2016-01-11

Spg Valley Lk, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

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

Disputed: No Timely Response

2016-01-09

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-08

Hon, HI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2016-01-06

Aurora, CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Austin, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-31

Philadelphia, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 3.They arrange to pay {$1000.00} for my damages. I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Clearwater, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-24

Palm Bch Shrs, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response