Westlake Services, LLC
Consumer Complaints
There are over 1258 complaints on file for Westlake Services, LLC. Dated between 2019-12-15 and 2013-04-24.
Complaints Page 9
2019-05-11
Rochdale, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had an auto loan from Westlake Financial Services for a car opened on XX/XX/XXXX and closed on XX/XX/XXXX. There was an accident where the car was totaled in XX/XX/XXXX and the other drivers insurance paid for the car in full. Under my XXXX credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.
Company Response: Closed with explanation
2019-05-10
Euclid, OH
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: I contacted Westlake Financial Services regarding an old auto loan that I paid off back in XX/XX/XXXX. While reviewing my credit score, I noticed Westlake Financial Services noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute.
I filed several disputes with XXXX ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from Westlake Financial Services as well as a letter disputing the information reported. XXXX not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. XXXX said the only thing I could do was keep filing disputes.
I contacted Westlake Financial Services regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information.
I already have an open complaint against XXXX for failing to investigate this properly especially with them allowing Westlake Financial Services to change the charge off date by 5 years. I would like to file a complaint against Westlake Financial Services as well.
Company Response: Closed with explanation
2019-05-07
Ruskin, FL
Improper use of your report
Vehicle loan or lease: Loan
Report provided to employer without your written authorization
Company Response: Closed with explanation
2019-05-04
Mcdonough, GA
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
2019-05-04
Ft Lauderdale, FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Complaint: vehicle was repossessed but Westlake Financial Service is still reporting a past due on my credit report which is inaccurate
Company Response: Closed with explanation
2019-05-03
Fort Mill, SC
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
2019-05-03
Arco, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: A while back in XX/XX/2017, I purchased an auto lease turn in of a 3 year old XXXX XXXX XXXX XXXX The car had XXXX miles on it and valued at approximatel {$13.00}. I put a down payment of approx {$2600.00} on the car ... ... .I agreed to monthly payments but I didn't agree to make illegal State of California interest payments over the statutory rate of 12 percent or whatever the legal amount is.
As far as I am concerned I am paying illegal interest payments of almost 30 percent. This is usury. When the car is paid off in 7 entire years I will have paid them double the money for that car approximately {$26.00} This is illegal. The State allows them to do legal business and charge interest of 12 percent. Why am I being charged double when I did not agree to be involved in no illegal rang-lings..
Company Response: Closed with explanation
2019-05-03
Clermont, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: On XX/XX/2018 I purchased a used good condition vehicle from dealer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX.
( XXXX ) XXXX-7876 at the same time I did Purchased a Vehicle Insurance for the vehicle Contract # XXXX. FL License # XXXX VIN : XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX The Financial transactions was Lien holder by West lake Financial Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This Vehicle start problems on immediately after Last Week XXXX, Leaving me in the Road onXX/XX/XXXXXXXX first week, When I took the car back to them ( XXXX DEALER ) they was informed that vehicle chain change was completed in improper procedures and the Car need a New Motor, At this Point I call Insurance XXXX XXXX, they told me one of theirs Authorized mechanics will revise the vehicle. up to today I have not received any answer or resolutions to address this incident, However I did payment for the Vehicle XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the Bank West lake Financial Services.
The Dealer advice the Car need a New Motor and XXXX XXXX XXXX refuse to pay anything to fix the Vehicle.
I will like juts to know in this case if I purchased a Lemon Car what are my best practice to ensure my record don't get missed up with this Financial Transactions because I won't be able to continuing a payments for a Car I do n't Drive.
Company Response: Closed with explanation
2019-05-02
Toledo, OH
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-05-01
Lake Ridge, VA
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
2019-04-29
Santa Ana, CA
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Complaint: On XX/XX/2017 i make a huge mistake i had an emergency on my family so i decide to get a loan towards my vehicle tittle but i never thougt that this choice will be my nightmare because im being paying this loan i don't see the amount to lower it not even a dollat has to be something wrong with thi s agency can you please help me with this matter thank you
Company Response: Closed with explanation
2019-04-27
N Las Vegas, NV
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
2019-04-27
Key Biscayne, FL
Unable to get your credit report or credit score
Vehicle loan or lease: Loan
Other problem getting your report or credit score
Complaint: On XX/XX/2018 my husband and I bought a car in XXXX XXXX XXXX.
They run our SSN through several financial companies without our authorization, finally the only one that approved the loan was Westlake Financial Services.
After a few days, we received the account information to setup autopay and we realized that my SSN ( XXXX XXXX ) was wrong, immediately I send them many e-mails reporting this problem and also making several calls to fix it but they refuse.
Info : Westlake account number XXXX Our info : Main = XXXX XXXX SSN -- - -- XXXX ( reported OK ) Co-signer = XXXX XXXX SSN -- - -- XXXX ( they put another SSN ) So they never report my on-time payments to Credit Bureaus and my score shows no activity yet.
Company Response: Closed with explanation
2019-04-27
Sacramento, CA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: XXXX XXXX dealership financial me a car {$16000.00} total to {$20000.00} .I made a down payment {$5500.00}. I left with {$14000.00} of 36 month payment. I have been calling Westlake Financial about record of my payment history. Finally today XX/XX/XXXX I receive a email of my record and what I own left to pay my car off was a total of {$31000.00}. I was surprised in shock of this Cardealer Fraud me for months that I never have know this. First thing I called the financial about the bills the only things Westlake Financial could explain for me to deal with XXXX. that why I'm here today. I know this for a fact that no one will buy a XXXX car total to {$31000.00}. I rather will just Finance a XXXX cars for that amount of money.
Company Response: Closed with explanation
2019-04-25
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-04-25
Houston, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-04-24
Philadelphia, PA
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: Robocalls would start 5 days ahead of due date XXXX XXXX of every month ) and continue till payment was made. Loan contract stipulates 10 day grace period with no penalty. Calls started XX/XX/XXXX & continued till I refinanced with another company in XX/XX/XXXX. Made numerous complaints to Westlake to not call. Was told to call in ahead of payment date to let them know what day I would pay.
Company Response: Closed with explanation
2019-04-22
Brooklyn, NY
Managing the loan or lease
Vehicle loan or lease: Loan
Loan sold or transferred to another company
Complaint: I took out a used auto loan through XXXX XXXX XXXX with Westlake Financial Services in XX/XX/2019. I called the bank mid XX/XX/2019 to let them know that the vehicle was returned to the dealership because it was disabled and couldnt be driven. The bank was informed that I received my down payment deposit back from the dealership in the end of XX/XX/2019 and the dealership already started the buy back process with the bank. I called the bank multiple times to see why the account was still opened in my name, they wouldnt give me any information stating that its between them and the dealership. When I contacted the dealership I was informed of the dealership paying the loan back through Westlake flooring program that takes payments monthly until the loan is paid in full but what I want to know is why am I being penalized with an open loan in my name for a vehicle I no longer have that the dealership took over the payments to buy back. As per contract I do not have the vehicle, as it was never repossessed and when it was returned I didnt owe any money on it.
Company Response: Closed with explanation
2019-04-17
Margate, FL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-04-17
Jacksonville, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Westlake Financial Services, XXXX, CA took my XX/XX/XXXX car loan payment and applied it to another consumers account. The money was deducted from my bank account so I did not realize it had not been deducted from my principal loan balance ; until it happened again in XX/XX/XXXX. I activated my online account and researched all payments against loan payments and found the 2 Missing payment. I contacted WFS and after proving with bank tracking numbers they correctly applied my payment to my account. I pay approx {$6.00} per day in interest. I asked them to put back 1 years worth of interest as the payment was missing for that long, as well as late fees, as they payment was not late, but for a year it my account was obviously not current and always 30 days behind. WFS opened a complaint in my name and told me for nearly 2 months the accounting department was trying to calculate the correct interest amount and apply it back to my loan. They would never let me speak to anyone in the accounting department. I reached out to WFS on XXXX, XXXX, email, and phone, and get the same answer. We are looking into it and please wait for the accounting department to investigate. I then contacted the XXXX XXXX XXXX, and WFS said I needed to wait for a letter they sent me. I never received the letter, or an email, or a phone call. XXXX sent them a follow up and they replied that I needed to give usps time to deliver their letter. 3 weeks and it never arrived, is plenty of time. I think they were playing the waiting gameas they knew XXXX would close the complaint. Which they did today, and advised me to file a complaint with you. I would like the interest accrued daily for 1 year plus late fees to be returned.
Company Response: Closed with explanation
2019-04-16
Washington, DC
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Closed with explanation
2019-04-16
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 Westlake portfolio contacted me stating about an account I'm unaware of. I emailed the company my dispute letter.
Company Response: Closed with explanation
2019-04-16
Point Arena Air Force Statio, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-04-12
San Jacinto, CA
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: Let me start off by saying that I've been in collections for 15 years. I know the ins and outs. I could very easily sue and get XXXX to XXXX for every violation. I've been called repeatedly not even 5 min of each call. I've been called before XXXX. I get 10 call everyday sometimes from different numbers. What's funny is that I haven't answered had I I'd probably have more complaints. I have the phone records to prove it too.
Company Response: Closed with explanation
2019-04-11
Fort Pierce, FL
Fraud or scam
Money transfer, virtual currency, or money service: Refund anticipation check
Company Response: Closed with explanation