Westlake Services, LLC

2019-07-06

Oak Grove, MO

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-03

Warren, RI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-01

San Jacinto, CA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Complaint: XX/XX/XXXX To whom it may concern. On XX/XX/XXXX I contracted with Wilshire Consumer Credit / Westlake Financial for an auto title loan. I have satified the standard amortized 36-month loan with 36 full payments but the company now tells me that I still owe {$790.00} after the last installment was paid in full on XX/XX/XXXX. The following details come directly from the contract 's Federal Truth In Lending Act Disclosures page : Amt Financed : XXXX Finance Charge : XXXX Total of Payments : XXXX Interest Rate : 83.49 % Number of Payments : 36 Mo. Installment $ : XXXX Payments due starting : XX/XX/XXXX Again, I paid my last ( 36th of 36 ) payment of {$200.00} on XX/XX/XXXX. There is nothing on the contract disclosing any extraordinary fees, monetary amounts ( ie. balloon payments ) or conditions -- it's a standard amortized loan contract. My loan has never been in default or ever had a 'balance due ' from a previous month. Over the account 's 3 years there were 3 small issues detailed below : I. Twice I've been late on a full installment payment by the due date but both monthly installments were paid in full before the next installment cycle -- never 30 days late. Never was a balance forwarded to the next month, and the two late payment fees of {$10.00} were paid before the next month 's due date. Every month my account has been " current ''. II. In XX/XX/XXXX I requested an extension due to financial hardship. My extension was approved by Wilshire for the month of XX/XX/XXXX and my XX/XX/XXXX statement reflected the appropriate monthly installment of {$200.00} ( no past due, penalties ... ). This extended my loan 's maturity date one month from XX/XX/XXXX to XX/XX/XXXX. Again, my account has always been current and has never had a monthly balance forwarded to the following month. I called Wilshire last week ( XX/XX/XXXX ) regarding this {$790.00} balance. The agent gave a few 'possible ' reasons for the remaining balance but I pointed out none of his 'possible ' explanations were accurate. He obviously was, or pretended, to be incompetent regarding amortized installments loans and the specifics of my account. I requested to speak with a supervisor to get an accurate and truthful reason for the remaining balance. I again explained that I've paid 36 full installments and have never been in default or more then 30 days late on a payment. The supervisor could only tell me that the statement showed the balance and that's what I owed. I can't get any accurate information from Wilshire. Your help is appreciated. Thank you.
Company Response: Closed with explanation

Timely Response

2019-07-01

Alta, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Took Car Loan from Wilshire Consumer Credit. XX/XX/XXXX. I was sometimes late but all loan payments made up to XX/XX/XXXX. Due the travel to abroad XXXX Check has been NSF. Without any letter or call Car has been Seized on XX/XX/XXXX at XXXX. Received letter on XX/XX/XXXX but letter wrote on XX/XX/XXXX and Mailed on XX/XX/XXXX received on XX/XX/XXXX. Try to spoke with them on XX/XX/XXXX and explain the letter date, mailing date and receiving date and request Seizure fee back and not received. As XX/XX/XXXX loan has been paid in Full.
Company Response: Closed with explanation

Timely Response

2019-06-29

NC

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I had a 44 month auto loan. My second acct with Westlake Financial Svcs in XXXX. My auto was repped 3 times. The 2nd time in around XX/XX/XXXX they reported again. I got a deferment in XX/XX/XXXX/XX/XX/XXXX and paid interest. My note was {$290.00} mo. And I paid {$400.00} XX/XX/XXXX bc of deferrals and my loan matures in 90 days. Had home repairs in XX/XX/XXXXso I skipped payment. They repossed on XX/XX/XXXX claiming I was two months behind. Thus, the beginning of this dispute.. Wanted me to pay {$1500.00} to get auto back. I spoke to XXXX XXXX at XXXX about the car. I initially thought it had been stolen. They advised that 1. Had NSF fees of {$100.00} and I paid with a bank card. I was told when repossessed 2nd time they didn't apply that fee although it was listed to recover auto and 2. They advised they had collected {$1000.00} more in interest than the loan said in the beginning and finally they wanted {$3000.00} to for car. I'm done will hatchet lender. Help!!!
Company Response: Closed with explanation

Timely Response

2019-06-27

Ridley Park, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Company Response: Closed with explanation

Timely Response

2019-06-24

ME

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: My husband and I purchased a XXXX XXXX financed through Westlake Financial 4 years ago in XXXX of XXXX. We had never missed one single payment and we were at the very tail end of our loan with only about 6-8 months worth of payments remaining until this vehicle is paid off. Unfortunately, my husband recently became severely ill with XXXX XXXX and has been out of work for the past few months. A month ago, we called Westlake Financial and explained the situation and asked if there was any way they could help us. My husband had finally recovered enough to be able to go back to work, but him being temporarily out of work for 3 months did a real number on our budget as we had to rely on my income and the small amount that he received from XXXX XXXX to pay our mortgage and other bills while he was so sick. The representative that I spoke with at Westlake informed me that they would allow us to defer the next 2 payments ( XXXX and XXXX ) because we had such an excellent payment history with them and have never missed a single payment in the entire 4 years we have had this vehicle. She read us the terms and conditions of the deferral and we gladly accepted. We were so grateful and relieved as this would give us a good bit of breathing room. Fast forward to a little over a week ago on XX/XX/XXXX, when we woke up to find our XXXX missing from our driveway and was nowhere to be found. It had been repossessed. We were totally blown away and had no idea how this was even happening as we had received the 2 payment deferrals just last month, which made our loan current, with no payment due until the end of XXXX. I immediately got on the phone and called Westlake. The guy who I spoke with was INCREDIBLY rude, condescending, and downright unprofessional. He repeatedly cut me off while I was trying to speak and even told me to shut up at one point during the call. When I demanded to speak with a supervisor, he refused to transfer me. Come to find out, our payment deferral that we were told we were approved for a month ago had allegedly been " denied '' by a manager, even though we were told that it was all good to go and that our next payment would not be due until XX/XX/XXXX. We were never even informed that there was a possibility of it being denied by a manager! The exact words of the woman who set up the deferral were, " You're all set. Your next payment will be due on XX/XX/XXXX ''. I demanded to know why our deferral had been denied after we had been told that it was approved and why no one had even bothered to contact us to let us know that it had been denied ( we received NO letters in the mail and NO phone calls informing us of this ... literally NO contact from them whatsoever ). I was then told told that they do not inform customers when deferrals are denied and that it is not their responsibility to do so. Um ... .EXCUSE ME?!?! Exactly HOW were we supposed to have known that the deferral was denied after we had been told a month ago that it was " all set '' and that we would not have to make a payment until XXXX?! And how in the world is it " not their responsibility '' to notify us that they are going back on their word and denying the deferral after we had already been told that it was approved?! I became extremely irate and the completely unprofessional representative from Westlake hung up on me. Thankfully, this was not our only vehicle, but we are still BEYOND furious that we have been lied to and royally screwed over and that our credit is now being destroyed because of this, ESPECIALLY after we have not missed a single payment the entire 4 years we have had this XXXX. Apparently, from what I have read on many consumer reviews, these people are notorious for doing everything possible to try and repossess your vehicle when you get towards the end of your loan, just so they can auction it off to make even more money. I would like this very serious matter investigated as soon as possible.
Company Response: Closed with explanation

Timely Response

2019-06-20

FL

Managing the loan or lease

Vehicle loan or lease: Loan

Loan sold or transferred to another company
Complaint: In the process of pulling up my credit report online, I became aware of a charge-off on my credit report " paid, charge-off ''. I was not aware of a balance owed on this account as I was not notified of any further information since XXXX. Upon contacting the company, I was told that they no longer hold the debt and it has been sold to another company, which they gave me the name and contact info. I contacted that company and was told that they have no record or account in my name and referred me to yet another company. Contacted that company and again same response. They also do not hold this debt. When I referred back to original creditor, I am being told that there is a notation on my account that there will be no further dealings with myself. They will not give me any further information on this account. I am unable to gather more information to rectify this matter and update my credit report. Again, I have not received any information on this account since XXXX and they will not supply any further information other than what is recorded on my credit report. They have listed this on my credit report in XXXX, four years later, and have no ability to offer any further information. I have hit a wall, at a standstill with no options at clearing up this matter. If this was in fact sold to another company, why are they not giving valid information. I do not believe the information as correct and can not pursue as company has noted in my account, " no further dealings with customer ''.
Company Response: Closed with explanation

Timely Response

2019-06-20

Eureka, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-06-20

Sacramento, CA

Fraud or scam

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Complaint: I never cancel my warranty for secure one vehicle protection with Westlake Financial and now the vehicle has a mechanic breakdown and it is not cover and also stated that it was canceled when I never canceled the policy.
Company Response: Closed with explanation

Timely Response

2019-06-19

Cleveland, OH

Incorrect information on your report

Vehicle loan or lease: Loan

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-19

Anaheim, CA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I XXXX XXXX bought a truck XXXX XXXX XXXX XXXX XXXX XXXX Mileage XXXX XXXX Color VIN : XXXX on XX/XX/XXXX. Salesman XXXX and Manager XXXX. Location : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I discovered that This truck was Total lost reported on XX/XX/XXXX. This Dealership sold me this truck as in good conditions. Total Amount Finance {$23000.00}. Finance Charged : {$15000.00}. Total Sale Price : {$41000.00} When I tried to Refinance This truck because is to high my car payment. The Finance company printed out my vehicle history report in XXXX I was informed that this truck value is not according the amount I owed. I am the third owner of this vehicle. How can be possible was not Report it to Department of motor vehicle. I am doing my truck payments to Westlake Financial Services XXXX : XXXX XXXX XXXX XXXX XXXX, California, XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-16

Clarkston, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-16

IN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-06-14

Arsenal, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-12

Belle Isle, FL

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-06-12

Chef Menteur, LA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-06-12

N Haven, CT

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.
Company Response: Closed with explanation

Timely Response

2019-06-12

Leeton, UT

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I had auto pay scheduled to reoccur each month. On XX/XX/2019 the payment was not withdrawn from my account. I called Westlake financial services and the representative I spoke to mentioned they just couldnt continue to withdraw funds automatically without prior notification to me. I was then billed XXXX dollars for an NSF from west lake financial the funds were available in the account.
Company Response: Closed with explanation

Timely Response

2019-06-11

DE

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: Needed a car loan following current loan with excellent interest and payment options car was to be totaled multiple repairs 5 months later XXXX XXXX totaled the current car when got into current loan for used car interest as well as payment increased was told for one yr then could return to reg interest as well as normal payments like I had.. now in this loan 2 1/2 yrs to be told interest to high car not worth a third of loan amount still owing on a vehicle needed after 5 months of XXXX XXXX and XXXX taking months to total a flooded vehicle I was forced into this horrible loan due to desperately needing a car for work life job and all was in jeopardy please help need a new car loan with terms that can afford as well as decent interest noooo reason to force me back into the worst loan ever now told nothing I can do please help
Company Response: Closed with explanation

Timely Response

2019-06-11

Soquel, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX, XXXX, and XXXX are been non-compliant with removing the unverified account WESTLAKE SERVICE INC XXXX. XXXX, XXXX, and XXXX have both completed their research and determined that WESTLAKE SERVICE INC was not established by myself but XXXX, XXXX, and XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX, XXXX, and XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2019-06-11

San Diego, CA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Company Response: Closed with explanation

Timely Response

2019-06-09

Kansas City, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-06-09

Fontana, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-07

Poplar Bluff, MO

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response