Westlake Services, LLC

2015-04-29

San Diego, CA

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

2015-04-28

Cathedral City, 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

2015-04-27

Streamwood, IL

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

2015-04-24

San Jacinto, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-04-23

Springfield, VA

Communication tactics

Debt collection: Auto

Called after sent written cease of comm
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-04-15

Winnsboro, LA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: When my car was repossessed late saturday night, I called Westlake financial all day Monday and the representative that day, XXXX, disconnected the call all XXXX times. I located another number and got the sister company and they transferred me to customer service for Westlake, XXXX advised me that my department was gone ( early for the night ). I requested to speak to a supervisor to report my representative for the day. She transferred me over, after XXXX, saying that a supervisor was not there XXXX when I asked her " are you there being unsupervised?? '' ) she then " found '' a supervisor and adamantly stated that because it is not the collections department the supervisor would not be able to access my account or provide any account info. I reiterated that I just wanted to report how the rep handled me all day while I was trying to get information. Well, when XXXX got on the phone, I proceeded to tell him what I was trying to accomplish and what XXXX did ; XXXX tells me that he has the account he can provide ANY account info and he could take a payment ... what do I want?? So, XXXX lied as all of the representatives for WESTLAKE FINANCIAL. He tells me the XXXX and XXXX payments have not been received and that is why the car is repossessed. I advised him that I mailed my payments they just have not applied them. Okay, got nowhere with them on XX/XX/XXXX. On XX/XX/XXXX at XXXX, I talked to XXXX and advised him that I have not gotten any returned mail at the post office, XXXX of the money orders are still outstanding, I need someone to look for my payments where ever the lockboxes are. He tells me the " ... .last payment made was on XXXX XXXX that satisfied the XXXX payment and I am due for XXXX and XXXX ''. My response was, " Just like y'all found that payment go down there and find the other payment! It is NOT my fault you guys have done an illegal seizure of property. All I want is my car back. My maturity date is XX/XX/XXXX, why would I wait this close to just stop paying my bill?? '' The next statement XXXX, from WESTLAKE FINANCIAL, made me cry and it hurt ... he says, " Well, I see that you got a deferment in XX/XX/XXXX ; so this would be something you would do. '' In disbelief that he would try to use that against me and as if I had borrowed the money personally from him and that he know ANYTHING about me, I tell him, " A deferment is something offered by WESTLAKE. You guys get the extra money off interest and it puts me in good standing. I also know that I can get them at least 6months apart, up to XXXX of them for the life of the loan. So at that time, IF I had a hardship, I 'm eligible for a deferment ; meaning I would n't just let my car get repo 'd without at least trying to work something out!!! '' I asked him how much to get my car back, he then tells me this astronomical amount of the tune of more than {$1600.00}. I advised him that {$350.00} of it in the building with him and I was only prepared to give them what I owe this month, now it has almost XXXX because of their mistake. I asked him " what happened to taking ownership of an issue, that 's what customer service is about. '' He then tells me, " your account is not in customer service it is in collections. '' I called on XXXX XXXX to have them to fax me the total amount to get my car back because the money has to come out of my XXXX and they have to have something in writing to show an emergency to get it today ; being that XXXX advised me they only hold the car for 3days ( on day 2 ) XXXX, a supervisor, tells me they " ... do n't send that out. They only send the last statement and to see if the repo company will send what they normally get paid from them to see if that will work. '' I asked how do I get my car back? Dont you want to resolve this issue? '' He says, " I deal with people like you all the time. '' He said the fax can take XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-15

San Jose, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-04-14

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-12

Winnsboro, LA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-03-31

VA

Communication tactics

Debt collection: Auto

Called after sent written cease of comm
Complaint: They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-03-30

Santa Ysabel, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-03-27

Tampa, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-03-10

District Heights, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-07

South Florida, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-03

Dale City, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-02-25

Larkfield, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-25

Harlingen, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-19

Clarksville, TN

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-18

Jax, MS

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-13

Etna, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-02-12

Coolbaugh Township, PA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-09

Bostonia, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-02-09

Royal Palm Beach, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-28

Martinsburg, WV

Improper contact or sharing of info

Debt collection: Auto

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

Disputed: No Untimely Response

2015-01-26

Olathe, KS

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response