Westlake Services, LLC

2015-08-24

Aldan, PA

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 Untimely Response

2015-08-21

Columbia, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-08-20

Ft Lauderdale, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2015-08-18

Tyrone, NM

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-17

Tyrone, NM

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-17

South Florida, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2015-08-15

Symbol, KY

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Complaint: westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Tyrone, NM

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: the company Westlake financial doing business in California. wont report ccccccccccc credit as per contract, my account is XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Muhlenberg, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Sierra Madre, CA

Lender repossessed or sold the vehicle

Consumer Loan: Title loan

Complaint: I was giving Wilshire Credit my payments and they send it back to me they made me now delinquent and took my car I, have proof they did that XXXX months in a row not, only that XXXX would call me XXXX times a day harassing me for the money I, spoke with XXXX the supervisor and still did n't have any answers or how we can fix this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-28

San Jacinto, CA

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-23

Crabbs Prairie, TX

Communication tactics

Debt collection: Auto

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

Disputed: No Untimely Response

2015-07-22

GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-21

South Chatham, MA

Taking out the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-07-18

Yeagertown, PA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: On XXXX XXXX, XXXX my significant other and I ventured over to XXXX XXXX in XXXX XXXX Pennsylvania to trade in a truck on a XXXX XXXX XXXX. We took the vehicle for a test drive, and for the most part, we liked it. The check engine light was on and the emissions sticker was missing. We discussed these issues with the dealer who assured us that the issues were minor and he would fix them. Both of us decided that we wanted the vehicle, but we would have to finance the balance after the trade in price XXXX was credited. The total price of the vehicle was XXXX, we paid XXXX with a trade in and were to pay an additional XXXX in cash. The dealer agreed to let us make payments on the XXXX until the balance was paid off. He also was able to get us approved by a bank in California for the remaining balance of XXXX. The transaction went well until we were in possession of the vehicle. We provided the dealer with a payment of XXXX dollars toward the XXXX owed, after three weeks of obtaining the vehicle. I then began to try to get a hold of the dealer, in regards, to him holding up his part of the bargain as far as fixing the minor issues. He would never get back with me in regards to fixing the vehicle, so we stopped paying him. We continued to make our monthly payments to the bank, and decided that we would fix the problems ourselves. In XXXX of XXXX we realized that the temporary registration had went out of date and we had yet to receive the registration card. We contacted vehicle services who stated that they had not received it, and told me to contact the dealer. I called, emailed, and went to the dealers lot, trying to get in contact with the dealer. When I arrived at the dealership, there were no vehicle or signs that the dealership ever existed. We then contacted the bank our loan was through and explained to them that the dealer abandoned the lot and never turned our registration in. I asked the bank if they had received the title yet, and they said, " no ''. The bank stated that, I had agreed to the financial obligation and I am responsible to pay, regardless. At this point we decided to involve the police. We were shocked to find out that we were XXXX of many cases the trooper had in regards to this dealership. The worst part was, we were told by the trooper that we could not legally drive the vehicle anymore. The only thing we could do is hope that the trooper would be able to obtain our registration from the dealer. As time went by, with no luck, we knew we had to make a decision. The last payment made to the bank was in XXXX XXXX. At that point we had the vehicle for XXXX months without registration, and did not know if we would ever receive it. After we stopped making payments to the bank, we finally received the registration at the end of XXXX XXXX. By that point we were XXXX going on XXXX months behind on our payments to the bank. I contacted them to see if they would work with me, since I had made payments even though I could not legally use the vehicle. They refused to accommodate me. I financed this vehicle with the impression that I would be able to use and own it eventually. A vehicle does nobody any good without a registration or a title. I do not see how a transaction can be complete without the transfer of documents that makes the transaction legal. I do not think that we should be responsible for any part of this transaction. The transaction was not official until the documents were turned in XXXX months after the contract was agreed upon. We never agreed to make payments on a vehicle that was not legal to drive, due to the dealer not turning over the legal documents required for us to legally possess or use the vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-17

Cypress, 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

2015-07-15

Long Beach, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-07-12

Dallas, TX

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-07-09

Bohemia, NY

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

2015-07-07

Phoenix, AZ

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

2015-07-03

Tarzana, CA

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-02

Stamford, CT

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

2015-06-29

Communication tactics

Debt collection: Auto

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

Disputed: No Untimely Response

2015-06-26

Detroit, MI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Dearborn Heights, MI

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