Westlake Services, LLC

2019-06-05

Mem, TN

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

2019-06-05

Cucamonga, CA

Vehicle was repossessed or sold the vehicle

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

Company Response: Closed with explanation

Timely Response

2019-06-04

Newark, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: The loan company are overcharging me for the repossessed and they are not applying the payment to my account. I been making payment and instead my account going down is going up with more charges.
Company Response: Closed with explanation

Timely Response

2019-06-03

Donelson, TN

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

2019-05-31

Bergenline, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2019-05-31

Salton City, CA

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Complaint: This company called me on the phone told me they would give me a XXXX loan but first they would start out with putting XXXX into my account to be sure it was my account was valid. Upon doing this 2 days later they called me wanting there money back and I could only give it back by buying these cards and calling in the card numbers on the back which I did /, they also forged my name on the back of this check they sent transfered to my bank. Then there check bounced/. ( I didnt know at the time. ) This all done they said they would deposit my XXXX in my bank by XXXX XXXX that day wrong never heard from them, I'm a XXXX yr old XXXX woman single living on less than XXXX a month and this cause overdrafts at my bank because of auto pays and humiliattion to sleepless nights and fear of them retaliation from this company due to them threatening calls to my home.
Company Response: Closed with explanation

Timely Response

2019-05-30

Bronx, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with additional add-on products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2019-05-30

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-30

Chester, NY

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-30

Jupiter, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: This is what happened with first company XXXX sold to new company and never received notification via mail they are adding g insult to injury doubling the price again read below also refuse to provide agreement with company : Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!
Company Response: Closed with explanation

Timely Response

2019-05-30

Foothill Ranch, CA

Charged fees or interest you didn't expect

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

Complaint: Bait and Switch In XX/XX/2017, I applied for an auto title loan because I was in need of medical care and needed money to pay for the medical care. I received multiple offers and selected WCC ( Wilshire Consumer Credit ) because I liked the sales agent. I received a lower interest rate from another company and because I felt I could trust Wilshire Consumer Credit, I gave them the change to earn my business and they did in fact counteroffer with a lower rate and payment. Unbeknownst to me, WCC increased the interest rate and payment they quoted. They did a bait and switch. I contacted the agent as soon as I realized it. She never responded to me again. When I finally got of treatment, I called and complained about the loan terms being switched and was told " Too bad, it's too late now. '' I didn't understand that this type of loan would cost me so much and I wouldn't be able to pay the principal. In fact I was discouraged from making larger payments. I asked for copies of my loan docs and they never sent them to me. Each time I complained about the terms and my suspicion that this loan wasn't even a contract because I never agreed to the different terms, I wasn't taken seriously. In fact, the most recent time they tried to get me to refinance into a new loan which would be valid. Calling from local numbers WCC has been calling me from XXXX phone numbers, which is my area code. Their company is not in my area. They have been continuing to call me from disguised local numbers. Unauthorized Contact of My References My references have also been receiving suspicious phone calls from XXXX numbers that occur when I am late on my payments ( which I have been often because of the higher payment amount ). Damage to My Credit Because of the deceptive loan and bait and switch and my stress over the loan and illness shortly after I took out the loan, my credit has suffered and I am now struggling to finish school because of difficulty qualifying for student loans.
Company Response: Closed with explanation

Timely Response

2019-05-29

Las Vegas, NV

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I was approved for a 2004 XXXX XXXX XXXX upon my departure before putting down $ XXXX {$2000.00} and about $ XXXX {$600.00} for my Full Coverage insurance with the general. I was told from the beginning the vehicle was a 2004 XXXX XXXX XXXX, My loan was taken out for a 2004 XXXX XXXX XXXX also. I found out the true year, Make, Model and Edition upon my visit to the dmv to get the 2004 XXXX XXXX XXXX registered with plates and Decals! I was told the information on the paperwork and or loan information was not correct and or for the Vehicle that I knew to be mine, Was in fact not my sedan at all this whole time. There was literally another guy driving my true to be sedan and I was driving his sedan without any clue! I was told that the serial number was a match for the 2007 XXXX XXXX XXXX, which is what was told to me by the DMV Professional at that moment and urged me to report it due to the type of financial mishap being fraudulent and a very serious matter! I did as I was told, The information was filled out properly and filed for Review. The information got back to XXXX XXXX XXXX somehow when I went to make a payment for The 2007 XXXX XXXX XXXX and or also to be seen by a mechanic due to the transmission dying, I was told by the mechanic and he wouldnt be able to get me seen for 3 months and also the new transmission would have supposedly taken a long-While before they call you, Also to get told to file a investigation on the automotive Lot called XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX. XXXX XXXX, NV XXXX was very stressful and took a bit of a toll on me! The DMV I went to was located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. Ok lets fast forward to about 4 months after all of this fraudulent mess, The sedans transmission went out while I was taking my mother to work! The car would not start at all, It would just click, so I told the bank what was up and they said it was nothing they could do and its out of their hands. To conclude this true but very long story, It broke down and was not operational at all! The mechanic was still booked apparently after he had been given a extra month after he told me 3 Months to service my 2007 XXXX XXXX XXXX. I told bank and XXXX XXXX XXXX that I was not going to continue to pay a {$300.00} car note for a rundown sedan that was exhausted and no longer operational and not to mention the $ XXXX {$600.00} for auto insurance! They picked it up, Re-sold it at a auction, Got like {$7000.00} for it but the bank and or XXXX XXXX XXXX financed me for {$13000.00}!!! So they took the {$7000.00} and subtracted it from the {$13000.00} and left me with this huge bill that Im paying on for no reason literally, they never asked me if I wanted to pick a different vehicle knowing the condition the current sedan is in ... ..it was and still is very unprofessional and fraudulent!!! Its been the reason my credit it so low and why I can get any car I apply for! I need at least {$20000.00} to be financially stable and or more, I have a job that pays me well now to!
Company Response: Closed with explanation

Timely Response

2019-05-24

San Jose, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX Illinois regarding an outstanding balance of XXXX owed on a XXXX XXXX financed by Honor Finance. I signed a Letter of Settlement for XXXX which was paid XXXX a month for 10 months. The Settlement letter has both General Counsel 's and my signatures and date. The last payment was applied on XX/XX/XXXX. While making scheduled payments, Honor Finance went out of business ( was not aware of it and payments continued ). Less than a month after the final payment, I was contacted by Westlake Financial asking for payment. I explained to them the debt had been settled and went on to email them proof of the Settlement Letter with General Counsel 's signature. For 2 months I waited on them to hear from their legal department who supposedly had to determine who was servicing the Honor account. First, they were asking for XXXX, then XX/XX/XXXX they asked for XXXX. In XX/XX/XXXX, I called XXXX XXXX of XXXX XXXX XXXX Illinois and we had a conference call with Westlake who was still asking for payment after XXXX confirmed the debt was paid off. I had an XXXX XXXX yesterday after speaking with XXXX XXXX ( Westlake ) because I was so XXXX and XXXX, please help me. Westlake will not accept this and their tactics are unethical and criminal, they need to be investigated and stopped.
Company Response: Closed with explanation

Timely Response

2019-05-24

Santa Ysabel, CA

Charged fees or interest you didn't expect

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

Complaint: Wilshire Consumer credit loaned me {$6000.00} on a title loan. I've paid {$3000.00} and still owe more than the original loan after 7 month 's of payments
Company Response: Closed with explanation

Timely Response

2019-05-24

Clermont, FL

Incorrect information on your report

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

Account status incorrect
Complaint: On about XX/XX/2019, I realized that my credit report was showing for the month of XX/XX/XXXX on the Westlake fiancial service account as a 60 days delinquent account when the account is already closed and paid by the dealer by request of the compliance dealership department. The person who worked this case was XXXX. I asked her if I had to make any payment in order to not damage my credit. She told me that it was not going to damage my credit. Westlake notified incorrectly the month of XX/XX/XXXX damaging my credit with a serious delinquency.
Company Response: Closed with explanation

Timely Response

2019-05-24

San Jacinto, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/2019 I noticed that my car was gone and found out it was reprocessed by the finance company Westlake Financial, XXXX. First I spoke to XXXX XXXX in customer service department and he transferred the car to XXXX XXXX. She stated the following ( because everyone said to me different ) that the car note was 47 days late and they contacted me ( incorrect till this day XX/XX/2019 no letters no calls not even to tell me the car was repo ) and I owe XXXX. They failed to apply back in XXXX XXXX to the loan. They stated they applied that to the end of the car note they did not apply four months worth. Okay so I was transferred to XXXX all of a sudden the amount changed to XXXX + XXXX repo fees totaling the amount of {$1400.00}. The fees were paid that moment via money gram and everything was fine. They said it can take 4-6 hours to start the reinstatement papers to keep calling back. I called and asked to speak to the supervisor because the paper was not complete yet and he proceed to give me the break down where the fees went. He looked over the summary with me and stated that I can deferred the payment to 30 days since I have always paid my notes and since paying this amount he extended that option. He stated call XX/XX/2019 once the monies that was paid will be applied to account. On XX/XX/2019 I spoke to XXXX in customer service and was told why deferred the payments I have 43 days credit after monies was applied. Now the new payment date is XXXX. On same date I picked up my car and that the account will be updated to call back in 48 hours to see the update. On XX/XX/2019 I saw the summary online and now more charges were put on an extra. I called XXXX XXXX the collections supervisor and he to saw all these charges. An extra XXXX in repo fees, an extra XXXX nsf fees ( mind you I money gram the reinstatement fees that was cash ) XXXX late fees added ( again all these fees were paid when they said to pick up car ). On this date XXXX XXXX looked over the account and he stated the accounting department posted in error and the only fees extra was the repo fees ( XXXX more after being towed when car was picked up ). And when they posted all payments correctly he stated that I do not have a credit of 43 days that I owe the extra repo fees and I am still eligible for the deferred payment. On XX/XX/2019 I spoke to XXXX XXXX and the processed was done and now my new payment is XX/XX/2019 my regular bill plus the extra XXXX repo fees. On XX/XX/2019 I looked at the online summary and now there is another payment charge plus all the fees that XXXX XXXX stated were already paid once I picked up the car. Now not only they said that XXXX was never paid hello I just paid all these fees of XXXX to pay everything owed and asked to speak to XXXX XXXX the supervisor. He when heard my voice he hung up and when I called he told them he was unavailable. I am tired of this company. My daughter is going through the same thing. We purchased the cars and they are the same finance company. They keep adding taking and when asked for a summary of everything " they stated California law stated they did not have to provide that information. '' Please assist me in this matter.
Company Response: Closed with explanation

Timely Response

2019-05-23

Owego, NY

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-05-21

UT

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: On XX/XX/XXXX, I went into the XXXX XXXX XXXX car dealership to shop used cars. Mine was totaled in an accident. XXXX in the credit department ran my credit to get me financing. After going back and forth, I was informed by XXXX that Westlake Financial out of California, agreed to finance the 2016 XXXX XXXX at an interest rate of 11.99 % with {$2800.00} as a down payment and XXXX informed me that Westlake Financial wanted to see an extended warranty on the purchase. The signed contract at 11.99 % was under my given name as that is the name now of my driver 's license due to federal law. My work as well as other documents are under my nickname. I was called by XXXX at XXXX XXXX approximately 10 days later stating Westlake Financial had a problem with my pay being under one name and my license under another. I was out of town at the time helping a very dear friend who had XXXX XXXX in XXXX, which I drove. A representative from Westlake Financial was also on the phone. One of the options was when I got back to bring in other forms of identification to match my pay. Westlake and XXXX then decided when I get back, just give them my other driver 's license with my nickname and sign a new contract under that name. When I was back in XXXX XXXX, XXXX, I went into the dealership and I was informed by XXXX that my credit had to be run again because that offer expired which was NEVER mentioned before. XXXX was also in that office for a short time and told XXXX all he had to do was change the name. XXXX then called a contact with Westlake Financial to speak with him regarding getting the interest back to 11.99 %. I then signed a second contract on XX/XX/19, although XXXX told XXXX to date it XX/XX/XXXX and I was told to put the date of XX/XX/XXXX. I then received a phone call from XXXX on XX/XX/19 stating that Westlake Financial decided not to finance the car at 11.99 %. Instead, they would finance it at 15.99 % even though I have two signed contracts at 11.99 %. What I believe happened is that Westlake Financial had decided they didn't want to finance this vehicle at 11.99 % and they were coming up with reasons to get out of it and raise the interest rate. My {$2800.00} down payment cleared my bank on XX/XX/2019. I believe Westlake Financial is practicing crooked lending practices and XXXX XXXX just wanted to sell an extended warranty and would say whatever they needed to do it. I spoke with a friend who told me that is XXXX XXXX XXXX and another friend in the banking industry advised that I have a signed contract and it is completely unethical and possibly illegal to require someone to purchase an extended warranty in order to approve a lower interest rate.It is also interesting to note that XXXX had me date all paperwork regarding the second contract for XX/XX/19 even though it was signed XX/XX/19. I didn't even leave Ohio until XX/XX/XXXX. It also needs to be noted that XXXX went by the odometer reading at the original date of purchase of XXXX even though on XX/XX/19 the odometer reading was over XXXX. This also I believe is a fraudulent business practice. I do have all documentation that I can mail to you if you require it. I could not find a loan number on the paperwork although it does mention Westlake Financial Services in XXXX XXXX, CA on the paperwork.
Company Response: Closed with explanation

Timely Response

2019-05-21

FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2013, XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-05-20

Naperville, IL

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

2019-05-17

Hayward, CA

Credit monitoring or identity theft protection services

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

Problem canceling credit monitoring or identify theft protection service
Company Response: Closed with explanation

Timely Response

2019-05-15

FL

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: Sent verification letter to XXXX XXXX XXXX on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.
Company Response: Closed with explanation

Timely Response

2019-05-14

Discovery Bay, CA

False statements or representation

Debt collection: Auto debt

Indicated you were committing crime by not paying debt
Complaint: Since XXXX I received threats phone calls from Westlake Financial services located XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX saying that I was going to be sued. For a car Loan that was under XXXX XXXX x. When at the time I was going through a separation/Divorse. I ended up XXXX with XXXX children at the time.I paid the Collection Company? Over the phone.The phone number that Westlake Financial Services had provided me for a third party Collection company, that represented them.I was told to call and make the payment.I was told by Westlake Financial services to make a one time XXXX XXXX payment and that the account would show Paid in full.And that I would receive a letter saying that the account was paid.With a XXXX Balnce NOt a charge OFF in my credit report. Westlake Financial Services Lied. They send me a letter from another company that says that they paid the charge off.After they took my money.WLF services stole my money {$2700.00} sold the truck and lied because I never received the " proper letter " that was agreed over the Verbal agreement over the phone.With there so called third party collection company? That every time since XXXX I been trying to get there information to sue them.West lake financials services never provids me with the knew contact info? .Keeps on saying that they will call me back and it never happens.Every time I complaint to Westlake Finacial Services I'm told by the Knew Supervisor 's that the information is going to be Fix and that a new letter is going to be send to me.And the wrong information is going to be Corrected. Westlake Financial Services keeps reviving the account in my personal credit report everytime that I complaint about this account with the updated dates of knew account.This is a very old XXXX? account that is not mine it was my ex 's XXXX XXXX. WHY don't they look for him instead of harrising me after the fact that I already stoled my money.
Company Response: Closed with explanation

Timely Response

2019-05-13

Hialeah, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-05-13

San Jacinto, CA

Vehicle was repossessed or sold the vehicle

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

Complaint: I got a title loan from this company around XX/XX/XXXX, after paying four months for a total of {$1200.00}, on XX/XX/XXXX they took my car without any prior attempts to contact me or email me regarding my being 3 days late. When I called them they wanted a cash payment via XXXX for over {$600.00}. They refused to tell me where my car was and said I would have to go to the police and pay {$15.00} to get the report they filed before they would release its whereabouts, and that I would be charged not only storage fees for the car but separate storage for the personal items inside. I called back the next day and demanded a supervisor who gave me the phone # to the storage company. When I called them I was told I would have to make an appointment for the following day as they did not allow same day pick up. Wilshire credit then sent me a letter informing me that they would auction off my car on XXXX, in a private sale, unless I paid off the amount due. The amount they wanted was {$3700.00} on a {$3000.00} dollar loan, that {$1200.00} had already been paid. According to DMV code section 3072-j the sale must be conducted in a commercially reasonable manner, ( not a private sale ) Since that time I have received no further correspondence from them. This is another violation of DMV code. They are supposed to tell me how much it sold for and provide a list of payouts and send any amounts over the loan to me. This company is very shady.
Company Response: Closed with explanation

Timely Response