Westlake Services, LLC

2015-06-24

Lakewood, 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

2015-06-24

Stanford, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: When my loan payment was setup for autopay from my bank account there was a mistake on my part and I listed a checking account that I normally do n't use and my bank rejected the payment because there were no funds in the account that they tried to debit. When I received my loan statement for the following month I noticed the error and past due amount and made a branch payment for the past due amount. The lender had contacted the salesman that I purchased the car from to have him contact me to get a payment status. When the salesman contacted me I asked why they were contacting him and not me directly and I explicitly told the salesman that I did not want him communicating with the lender on my behalf that I would contact them directly. I called the lender the following day and the representative I talked to demanded to know why my payment was XXXX days past due. She threatened me that my loan was under review and they they were going to stop servicing my loan. She also informed me that they had contacted the dealership and all XXXX contacts that they made me list on my loan application regarding the past due balance on my loan. I informed her that the only person that I have authorized to discuss my loan with was myself and that they did not have authorization to contact the dealer or any contact on my loan application regarding my loan. She countered that they do in fact have the legal right to contact anyone they wanted to in regards to status of my loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-24

Los Angeles, CA

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-06-16

Tarzana, CA

Managing the loan or lease

Consumer Loan: Vehicle 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 ( after making months of payments ) 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 Untimely Response

2015-06-16

Tarzana, CA

Charged fees or interest I didn't expect

Payday loan:

Complaint: I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-14

Littleville, AL

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

2015-06-12

Anchorage, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-10

Arco, 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

2015-06-10

Lena, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2015-06-05

Hudson, NH

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-06-03

Scottsdale, AZ

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-29

Phoenix, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Santa Ana, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-05-28

San Antonio, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-28

Oak Grove, MO

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Oak Grove, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-26

Bostonia, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-23

Austin, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a vechile with XXXX XXXX XXXX in XXXX, Texas. At the time of purchase I didnt have a Social Security number however I was able to finance the vechile using my ITIN number which is a tax processing number issued by the Internal Revenue Service. ITINs are for federal tax reporting only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers. That being said, 3 months later I received my Social Security number through the mail, and have rescind my ITIN number, I contacted my financial company that i used to finance the vechile Westlake Financial, I sent them copies of my Texas Drivers License and a copy of my Social Security card and they refuse to update my account discriminating against me because its not a normal Social Security Card? I am leagally authorize to work in the USA and I feel descriminated against, and would greatly appreciate if higher authority can step in and have Westlake Financial update my account with the right Social Security Number so I can obtain credit for my on-time payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-22

Quartzsite, AZ

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-05-09

Douglas, MI

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-05-08

Tarzana, CA

Charged fees or interest I didn't expect

Consumer Loan: Title loan

Complaint: Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-05-08

Fort Pierce, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2015-05-07

Parsippany, NJ

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

2015-05-04

Five Points, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-30

Key Biscayne, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: Yes Timely Response