| 03/10/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXXXXXX ACCOUNT # 1XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 02/22/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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MY CFPB COMPLAINT WAS NOT TAKEN CARE OF PROPERLY Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, WESTLAKE PORTFOLIO AND HONOR FINANCE account is { {$9700.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. They have been reporting inaccurate information on my report. I uploaded a payoff statement how do I only owe {$460.00} but you guys are reporting that I owe {$9700.00}??? I have also tried calling to ask for the debt validation letter they were required to send me 5 days after obtaining my debt required by law and they dont have anything, nothing with my signature on it or anything at all stating I owe this debt. They have caused severe damage to my credit, reputation and emotionally. This company is FRAUDULENT AND DECEPTIVE!
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| 06/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/15 I found a truck I really liked on the XXXX app. So I called the man who had it listed in XXXX XXXX Texas. It was a used car lot on Hwy XXXX. I asked my neighbor if he would take me there and he said sure. He was a retired mechanic so I wanted him to look and make sure it was a good truck. I scheduled an appointment and We drove XXXX miles one way XXXX round trip to go see it. At that time I was sorta in a hurry to buy and experience everything My heart desired due to the fact I was diagnosed with XXXX XXXX. I didnt have a good running car to travel back and forth to the hospital. I was going at least 3 days a week for appointments and for XXXX I was hospitalized for 4 days during that 4 days I was hooked up 24hours a day to the worst most XXXX XXXX there was. I was totally isolated due to the poison level of it. I did that every third week for twelve treatments. I was on heavy medications for pain and sickness It was the harshest form of XXXX in existence and I was very sick and in a lot of pain and a bald woman so that was very depressing. We went and drove this truck and I fell in love with it. I asked all the questions about why this red light was on and why was it doing this and the salesman guaranteed me it was in top notch running condition. XXXX my friend didnt like the oil light coming on but he wanted me to get everything I wanted so in his mind he figured if it blew up hed fix it just so Id be happy. I went inside to see what it would cost and if I could even afford it. I live on a below poverty XXXX income. The guy was real nice but I knew when I asked why that red light was on he lifted the hood and went to check the oil with it running. Im a girl but I know you dont check the oil with it running. But I really loved that truck so I said look please be honest with me I have XXXX and I need a dependable vehicles to drive back and forth to the hospital in XXXX Texas which is XXXX miles one way from my home. I would die if I broke down in the heat or cold, I was very sick at that time. He was sorta concerned but everyone acts like they are some are and some really dont care, so I wasnt sure.. He agreed to run a credit check and I was approved with a {$4000.00} down payment. It was a high interest loan at 15.9 % interest because my credit score was very low. I prayed and asked the lord to open or close that door and I would accept his decision. I had no money so I asked if he would let me sell some things I owned and give me some time to do that. I asked if he would mark it sold. He said no he couldnt do that but he would not sell it. But I needed to get busy in case someone walked in with cash money. So we hurried home. I had borrowed my neighbors truck to drive there and it was getting late so I went on. I made a list of some valuable jewlrey I had and did some research to find the value so I could sell it for the {$4000.00}. I needed. I spent the next week going from place to place and sold almost enough to pay the down payment. I only needed {$800.00} more dollars. I took what I had to the man at the car lol. Gave it to him and he gave me a reciept and he said now you know this money in non refundable, dont you and my heart starting racing. I said I only lack {$800.00} please give me a chance to get the last {$800.00}. He said look you have till the end of the week to get the money he said I could have sold it for cash several times and turned it down. I had tears and told him Id be back in two days. Oh boy I was nervous. I was so scared he was up to something he was in such a hurry to get rid of that truck. XXXX my neighbor took me to he next day to a high interest loan place where he had a loan and I was approved for the {$800.00} I needed to complete the {$4000.00} down payment .so I called the car lot and I called and I called. No one answered the phone so come Friday I just had XXXX take me there.it was early But the sign said they were open the gate was closed And locked.It made me really nervous. The truck was In The same spot I parked it when I test drove it. So that was positive but I just had a weird sick feeling about it all of a sudden. I couldnt for the life of me understand why they were closed on a Friday when the sign said they opened at 8 am and it was 11 : am. So XXXX and I went and got a soda at the corner store and Just waited at the gate. XXXX was an old man and really wasnt up to waiting so I said you can go on back if youd like. I have my money I need to pay my down payment. Ill be fine to drive it home. Well he didnt like that but her entually went on home and left me to wait. He wa swirlies because he knew I did t have any of my meds with me but I wAs instistant and excited and I couldnt wait to get behind the wheel of my new truck. Sometime after 12 pm he finally showed up. He didnt have the paper work together and he kept saying Ive neve done this this is XXXX job so if we do it wrong we may have to do it over but sign here here here .... ok no prob he gave me all the stuff we signed and was explaining why I had to pay {$800.00} for some thing like tobthem for getting me the loan. I was so excited And on so much medication I never really heard all of his reasoning. Anyway the price of the truck went from {$13000.00} to $ {$14000.00}. And he said XXXX will have to do the paperwork I did it wrong. He said but he is gone until next week. So we will have to wait. I thought I was gon na faint. In fact I excused myself and went down the hall to the rest room and threw up I was so disappointed it made me sick. Plus I had no way to get home. He heard me when I got back he said are you ok and I started crying. I couldnt help it I was so disappointed. He said look Im gon na let you take it you signed. This paperwork its not right but we can do it over next week when XXXX gets back. I dried up my tears and was happy and started throwing up against n but made it out side thankfully. There was several things I wanted to question on the papers I signed. He assured me we would XXXX come er it all when XXXX came back. So Im in the truck and Im nervous and exicited and I drive be out the front gate. Im going the back roads to get home because the traffic is way lighter. I get 3 miles from the dealership and the truck that totally dies. I am in panic mode where do I pull off, I cant pull off it wont start. Im in a country subdivision Im in someones front yard or Im blocking their drive way. I was suppose hi I my all these things and called my the dealer to tell him Im broke down and no answer. Oh me what am I going to do what is wrong with my new truck?? Finally he called me back I told him where I wa sand what happened .he said Im sending a man to tow you back here. So he did. A man who really scared me pulled me with a food back to the car lot. He was sorta XXXX and was towing me way way too fast. We made it back to the dealer and the sales man was uploading at him slow down and he hits the back of one of the trucks for sale. I am in tears. I knew it wasnt good. He tells me leave the truck Ill have to get a mechanic here to work on it. He says this man ( the XXXX man ) is going to take you home. OMG I was a nervous wreck.I had been a victim of bad things and I was scared out of my mind to go but I knew I had to..it was Late it had been a very long disappointing day .i hadnt had a bite to eat or drink and I was We made it to my house fine and he left. I was so upset .i went in and went to bed. I cried my self to sleep. I had already put insurance on it so I knew if someone stole it it would be covered. I called everyday asking what was up.all I got was he had some one coming to see if he could fix it. Some days he would t answer my calls and Id drive there to check in it. I was paying the payment and the insurance on it and I didnt even drive it 3 miles. Months went by and it was always one excuse after another. I drove there every weekend to see if anything had een done to it. It was always in the exact same spot never movEd one inch. Finally after him having it 4 months he calls me and says Guess What your truck is like a new truck come and pick it up. Oh boy I was so happy. After months of major XXXX. I was so down on myself for not calling the authorities, but I am not atrouble maker. I dont like it.and he convencied me it was all good. I believed every word he said. I mean every word.I looked sick web. He saw me he was shocked how bad I look what the XXXX and worry had done to me. He hands me the key and says go home and get some rest the truck is like new. So I get in it and I start toward home. I get 4 miles down the highway XXXX going toward XXXX to show a friend my new ride and I in heavy traffic but it moving good, I going oh XXXX mob and I hear this load bang and suddenly the truck dies the window dogs up and it smells like antifreeze and it hissing, there is no exit for me to get off the highway so I look back to make sure there is itjing coming on the access road and. Her I go across the median with no power steering no brakes nothing the truck is DEAD. OMG I am frantic. A state worker pulls over and Im crying and hes like are you ok can I drive you somewhere ... no Im fine I just bought this and I started telling him what has transpired he is in shock for me. He goes back to work. Here it is 5:00 traffic I calling the sales man Im on the side of the highway outside of XXXX and hes not answering the phone so Im telling him where I am What has happened. He calls me back in 20 mins. He says Im sending the same guy to tow you. Im sick Im weak I am mad I am hurt Ive been taken to the cleaners. The man gets there he is not happy he is very rude and hateful. He hooks up the truck I have no power no brakes nothing he starts out pulling me 70 mph I am livid. I call the car lot I dont have this mans number but he is gon na kill me. So then the tow strap breaks. I couldnt see any of his brake lights he tied me too close I dont know what to do so I lay on my breaks and they arent real good but it takes me to a slow stop. He turns around and comes back and is cursing me. He had a speech problem so I could t understand one word he was screaming beside that I was it going to put up with his nasty mouth. I said you need to calm down first then you need to time me where I can see when you are slowing down I cant see your brake lights., and I said Im it going again if you dont slow it down. I had grown up all over the inside of my truck and I was so thirsty I told him I got sick and I must stop and get some water. So we did. We arrived back it was dark, 9:00 at night and pouring down rain. He never did anything but get out in hook the strap from his truck and he drove off. He left me in the Parking lot at 12am alone at the car lot in the freezing rain with nothing but wet clothes in a totally dead truck no heat nothing. So I start calling the sales man he never answered. A friend came all the way from XXXX to help me. She took me to get dry clothes at XXXX and she stayed with me because I refused to leave my truck without knowing what was going to be done. The next day the salesman came in late like after 12. I was not happy. I was furious.he fed me full of a bunch of bologna. Made every excuse in the book he could. And he sent me home. He sold the tell me what or when someone hung would be done he refused to give me a loaner said it was against his insurance policy he wasnt going to do anything. My spirits were lower than low I knew XXXX fed off of stress and I began to get very sick. More than ever. I called weekly and drove to my truck at least 1 time a week checking in it. Nothing at all had been done it hadnt been moved nothing .so I started threatening lawsuit. And the paperwork suddenly came to mind. He never ever brought up the paperwork he promised it would be revised and it never was. At this point I was hospitalized more and more and was very heavily medicated. There was a time or two I reached out to the fianance company to share with them what was being done to me.i was making payments And insuring a truck I had never made it home it. They didnt care one bit all they cared was that that payment was made and in time. They didnt care that i was heated in the price or that the truck had been at the dealer for nearly a year they didnt have any compassion at all for me, for my lifes situation, my health problems, nothing. Just that payment that was all. After a year went by I received a call that my truck was towed to a place in XXXX Texas to get a rebuilt motor put in it. I was for the past year under the infuluene of a lot of meds. I was at that point going to XXXX care, that is what I call the dead dr . They send you there preparing you for death. Things were not at all good I was on Morphine and that is usually the end. This man never addressed the paper work I was made to sign. I was paying a whole lot more than I should have. I contacted the loan company and they said the car lot submitted it to us we wrote them a check so you must pay or we will repo it. I was not in any mental state to make any decisions as to what to do or exactly how much I was being cheated out of. I am at the end of my note now. I know the truck cost {$13000.00}. I gave $ XXXX.cash down. So that takes the amount to be Fiananced down to {$9200.00}. Well they charged me {$800.00} for getting me the fianancing. The are charging me for gap insurance and I have a signed waver. All the ttl stuff. Then they take my {$4000.00}. Cash down payment and instead of subtracting it from the sale price they add it. So instead of me paying back {$9200.00}. Tax title and liscense Plus interest they have me paying back {$18000.00}. I have sent the Fianance company XXXX XXXX all burden of proof and they do not care. Either I pay if they come get it. My truck is paid for and I still am being forced to make payments I do not owe. They say they sent us the contract we sent the money we dont care what the contract says or If my down payment was add d or subtracted. They will repo the truck if I default. I have over paid them by my figures nearly {$5000.00}. They say my balance is still {$2800.00}. I do not owe that I dont owe anything on it it is clear to me now that Im not on morphene and major pain meds I am being cheated. They owe me money. I am by the grace of XXXX still alive. I still have terminal XXXX. I have fought to stay alive. Will someone please help me stop this and make these thieves stop taking away my disability income? They are taking advantage of me.. I live on a 500 % below poverty income. I have been a woman if my word and fullfilled the deal I made on the truck. The dealer has not. He lied about the fianancing he promised he was buying me 6 new tires just like the ones that were in it when I bought it but gone swapped out for junk tires during the first year they had it. He promised he would buy me a brand new set of mud grapplers identical to the ones it had that they stood off it. And he promised me side steps for it and a wench in a cradle. I e not received one of them hem. Im sure it was to cover up the fact he never brought up the contract he did wrong. And left wrong during all the problems. It was a great cover up for him to continue on with what ever price he wanted to get me for. I was facing death I was on XXXX on major rx drugs. the motor blew 2 times he kept it a year and they stripped it while they had it of the good tires the steps and never put the winch with cradle he promised me he would put on it. Then he took me for over {$7000.00} by a fraudulent contract. His excuse he didnt normally do paperwork wed redomit. He added the down payment to the selling price of the truck plus added fees and insurance I never agreed to. This type of fraudulent activities need to be stopped .i am reaching out for help .i am a honest woman and I have been scammed. I am reaching out for help. I am still being cheated out of my very small income. And there is no telling no many others they have cheated like they have and still are me. I have never been in trouble in my life. I worked hard all my life and XXXX stole it all away. I have nothing but reminders of what has been taken from me. Ive never sued anyone I have never taken or stollen from anyone.I should not be made to allow this to happen to me. I am at the end of my trail and Id like to recover my money. I need it for Dr bills, medication and because its all I have left. Thank You!
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| 07/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Affiant transaction was financed by Westlake, and XXXX assigned the " XXXX '', which was afterwards referred to as Consumer Credit Contract, to " Westlake '' XXXX, who works as a sales representative for " XXXX, gave the affiant false and misleading information about the transaction after the affiant questioned the nature of the documents and charges involved, and failed to disclose the mandatory disclosures under " TILA on how much affiant would be spending on credit and receiving the Loan Approval Disclosure, which provides information about the specific loan 's rate, fees, and terms, as well as an estimate of how much affiant would repay over time. '' This gives the Affiant 30 days to accept the loan. The Loan Consummation Disclosure, which includes a notice concerning Affiant 's right to terminate the loan within three days, should have been sent to " Affiant ''. The lender can then disburse the monies.
In addition, " Westlake '' became " creditors '' under the FDCPA with respect to loans they created, acquired, or purchased, 15 U.S.C. 1692a ( 4 ), and " Westlake '' became " debt collectors '' within the meaning of the FDCPA when Westlake '' contacted me. The documents contained inside the correspondences after requesting debt validation and getting correspondences from " Westlake '' according to debt validation were statements and the " XXXX, '' " which had been altered from the original document and featured a forged signature.
Section 807 of the FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section 807 ( 5 ) of the FDCPA, 15 U.S.C.
1692e ( 5 ), specifically prohibits threatening to take any action that can not legally be taken or is not intended to be taken which Westlake Actions shows they have violated the FDCPA Because the Act imposes strict liability, a consumer need not show intentional conduct by the debt collector to be entitled to damages. '' Russell v. Equifax A.R.S, 74 F. 3d 30, 33-34 ( 2nd Cir. 1996 ).
Westlake dishonoredAffiant Cease and desist and debt validation which resulted in violation of 15 U.S. Code 1692g On XX/XX/XXXX, at " XXXX, XXXX, an employee of " XXXX, '' directed the " Affiant '' to make false statements to " Westlake, '' with the statements being " Tell the bank you have possession of the Car, '' as if it would benefit the Affiant. As cited, Untrue statements amount to constructive fraud. Thompson v. Houston, 135 P.2d 834 : 17 Wash 457.
XXXX and Westlake were in possession, and improper use of XXXX XXXX 's private information on XX/XX/XXXX where there is a police report.
Fact : It was a credit application created by an unknown source at XXXX XXXX EDT and printed at XXXX XXXX EDT that contained XXXX XXXXXXXX XXXX private information and contained Source : XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX at the bottom of the credit application, and she wasn't present at " XXXX '' to authorize anyone to have or use her private information because she wasn't present there to authorize anyone to have or use her private information And after they improperly used her private information, she became aware and contacted the " Affiant '', expressing her outrage and emotional distress over her personal information being used without her consent and knowledge. The " Affiant '' explained that " XXXX '' unlawfully ran her consumer report, and then the " Affiant '' informed " XXXX '' that XXXX XXXX was aware of " XXXXXXXX XXXX '' unlawful use of her private information. and a finance manager communicated with XXXX XXXX to clarify that I did not give them any of her personal information and to apologize for unlawfully using and possessing her private information.
" Westlake '' failed to provide factual documentation to " Affiant '' in response to " Affiant 's '' request for debt validation by sending an altered document with a forged signature on the note and no signature at the bottom of the page, despite the fact that the original document had a signature line at the bottom. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. See Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P. 936 ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka 25 P. 3d 807, 96, Hawaii 32, ( Hawaii App XXXX ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super. XXXX ), Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. I ( XXXX ), and Solon V. Godbole, 163 III. App. 3d 845, 114 I11. Dec. 890, 516 N.E. 2d 1045 ( 3Dist. XXXX ).
And after receiving a alter document " Affiant '' begin to question the nature of the transaction and along with who is the holder of the note and upon asking questions and filing a complaint " Affiant '' got a response from XXXX XXXX who is employed as Director of Compliance of Westlake that XXXX is the holder of the Original Note and as of today, XXXX nor Westlake have not provided such proof.
Westlake failed to provide Affiant with factual documentary evidence concerning this alleged loan, we have fraud in the inducement which means Westlake are no longer the holder and as a result of the fraudulent nature of transaction all payments paid to Westlake are deem Extortion payments And since XXXX presented Affiant false misrepresentation and directing " Affiant '' to give false statements to help the deal be successful and XXXX receiving a unjust financial gain therefore all property and monies paid to XXXX are deemed Extortion payments Westlake nor XXXX is not the holder because the promissory note is forged, and a forged document has legal consequences.
Westlake and XXXX undoubtedly intended to include economics similar to stealing my promissory note as part of the agreement.
Furthermore Constructive fraud comprises all acts, omissions, and concealments involving breach of legal or equitable duty, trust, or confidence which resulted in damage to another. Re XXXX 's XXXX, XXXX XXXX XXXX.
Moreover, Fraud is defined as deceit, deception, artifice, or trickery operating prejudicially on the rights of another, and so intended, by inducing him to part with property or surrender some legal right. Also, anything calculated to deceive another to his prejudice and accomplishing the purpose, whether it be an act, a word, silence, the suppression of the truth or other device contrary to the plain rules of common honesty. 23 Am J2d, Fraud, Section 2.
Fraud in the inducement occurs when a person tricks another person into signing an agreement to ones disadvantage by using fraudulent statements and representations. Because fraud negates the meeting of the minds required of a contract, the injured party can seek damages or terminate the contract.
Under Texas law, a claim for fraudulent inducement must show that the defendant made a material misrepresentation, which one knew was false or without knowledge of its truth, and intended the inducement to cause reliance by the injured party.
" XXXX '' provided a false and deceptive form, referring to it as a " XXXX '' and then referring to it as a " CONSUMER CREDIT CONTRACT '' with a Statement - ( ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSET AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID THE THE DEBTOR HEREUNDER ) So, by naming it " XXXX '' rather than " CONSUMER CREDIT CONTRACT, '' " XXXX '' intentionally or unintentionally intended to conceal the true nature and title of the document.
And as action shown by XXXX and Westlake seems to be deemed as Fraud in the inducement due to fraudulent statements and but not limited to material misrepresentation.
If all allegations remained uncontested. In whereas stated Uncontested allegations of fact in affidavit must be accepted as true Morris v. National Cash Register Co., 44 S.W.2d 433. Moreover Statements in affidavits that are not rebutted by the opposing party 's affidavit or pleadings may be accepted as true by the trial court. Winsett v. Donaldson ( Mich 1976 244 N.W.2d 355.
Regarding a issue that occurred XX/XX/XXXX, Affiant attempted to resolve a matter within good faith with the used car department sales manager at XXXX to inform him of the severe problem thatAffiant am facing in regards to a notice that Affiant sent to XXXX on XX/XX/XXXX which went ignored. Furthermore, Affiant notified the sales manager at around XXXX on XX/XX/XXXX that Affiant is aware of the fraudulent transaction and breach of agreement. During this transaction Affiant did not receive full, adequate disclosures of the mutual agreement which took place on XX/XX/XXXX at XXXX XXXX.Affiant was never informed about my formal right to rescind the transaction, and while trying to explain my situation, the sales manager rudely spoke over me and advised that Affiant should call the corporate office further stating that its not the sales manager 's problem before hanging up. The sales manager failed to provide me with the necessary information to handle this situation appropriately so Affiantcalled back at XXXX XXXX and spoke to a sales rep by the name of XXXX, in the new car sales department. Affiant then informed XXXX about the situation and expressed that I needed to speak to someone in charge. He said the managers were in a meeting and proceeded by transferring me to a customer relations specialist by the name of XXXX. Affiant attempted to inform XXXX of the situation and XXXX was incompetent. XXXX didnt fully grasp how Affiant was harmed by the agreement. She assumed that nothing was wrong with the agreement and Affiant further informed her about previous correspondence to XXXX. Affiant then explained how he received an altered document. And with XXXX Not helping resolve the issue it didnt do anything but cause emotional distress and an eruption in the Affiants livelihood after becoming aware that the Affiant has been a victim of a fraudulent transaction.
After communicating with XXXX XXXX and informing him of the situation, the Affiant was contacted by XXXX XXXX, who works for " XXXX '' as a XXXX. After communicating with XXXX XXXX and informing him of the situation, he gave the impression that he was going to help the Affiant, but instead left the Affiant with more worry and unanswered questions that did not benefit or help the affiant in any way.
The contract was a mutual agreement, and mutual agreements can not exist without full disclosure. As a result, there has been a breach of contract. There is no bona fide signature on the note, the note is forged, the note was stolen, and the value of the stolen property was returned as a loan, in breach of the contract.
The collateral was not sold at a commercially reasonable price such as the car, was repossessed and sold at a private auction at less than a fair market value XXXX '' and Westlake '' are in violation of the duty of good faith and fair dealing. Due to the parties acting collectively acted in bad faith in its interactions with me.
The contract is an unfair and deceptive contract with the XXXX and Westlake, the contract was unfair and should not be enforced by the court.
" Affiant '' encountered difficulties at work as a result of " Westlake '' calls disrupting " Affiant '' production and resulting in a loss of Affiant clients. As a result, the affiant lost a substantial amount of wages, clients, and property.
Because the activities in this transaction involving the parties listed above, as well as the actions taken by " XXXX '' and " Westlake, '' constitute bank fraud because they include credits, securities, and assets, according to 18 U.S. Code 1344 - Bank fraud : Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud a financial institution; or ( 2 ) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises ; shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
The rules for federal bank fraud sentencing and punishment are harsh. If found guilty of this felony in federal court, " XXXX '' and " Westlake '' could face a term of up to 30 years in federal prison and fines of up to XXXX XXXX dollars. Furthermore because it involves the nation 's financial institutions, bank fraud is a white-collar crime that is frequently prosecuted at the federal level..
Pursuant to 18 USC 891 to extend credit means to make or renew any loan, or to enter into any agreement, tacit or express, whereby the repayment or satisfaction of any debt or claim, whether acknowledged or disputed, valid or invalid, and however arising, may or will be deferred and to collect an extension of credit means to induce in any way any person to make repayment thereof which plaintiff actions can be possible allegations of 18 USC 894 That Affiant 's revocation of signature constitutes a recession of signature. Thus, the contract no longer exists.XXXX XXXX of XX/XX/XXXX at XXXX.
In contract law, rescission is an equitable remedy which allows a contractual party to cancel the contract. Parties may rescind if they are the victims of a vitiating factor, such as misrepresentation, mistake, duress, or undue influence. And as shown XXXX and Westlake actions were a scheme to defraud me as show by them adding the down payment to the total sales price causing the price to increase instead of being credited to the price of the vehicle and with the misrepresentation of the transaction no reasonable person would be able to know the true price of the car based off the numbers imprinted on the contract and thru the false advertisement of a price that they did not intend to uphold in good faith.
Affiant hereby revokes and makes void all signatures for cause pursuant to UCC 3-501. XXXX XXXX of XX/XX/XXXX at XXXX.
Now Affiant is formally and timely removing the aforementioned signature ( s ) for all time and removing any nexus that Westlake may presume to have over Affiant by virtue of said signature ( s ).
Also failed to disclose to me the true cost of credit which
is causing damage to our National Economy. Every contract must h
ave six elements in order to be legally binding. If any one of the elements is missing, then there is no legally binding contract : 1. Offer by a person qualified to make the contract.
2. Acceptance by a party qualified to make and accept the contract.
3. Agreements, full disclosure, and complete understanding by both parties.
4.Consideration given.
5. Every contract must have the element of time to make it lawful.
6. All parties must be of lawful age I would have not entered into that agreement if I knew that the XXXX XXXX XXXX XXXX actions were in direct violation of Federal Law surrounding Consumer Credit transactions. It is a well established principle of law that fraud has no statute of limitation, and that its presence vitiates any and every contract or agreement. I demand your bank cancel our agreement and return all property and monies of my labor plus all interest I have ever paid to you for the duration of the agreement.
I thank you and advance for your cooperation.
Further Affiant sayeth not
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| 01/06/2024 |
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- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Hello I hope all is well with you. Thank you for listening to my story.
On XXXX XXXX XXXX I had got XXXX XXXX XXXX XXXX, and it totaled my car, before the accident happened, Ive got an alert from my credit months before, that stated that US auto have closed my account it didnt, but it was just on my credit statement so I didnt explain why how when or anything but because all the complaining that I was doing I figured they closed it down and just said I pay enough on the account because I paid about $XXXX in almost 3 years of having the car before the accident happened. From the beginning, US auto has put me through per XXXX in my life, please excuse my frustration, but it did take a minute to figure out that I had signed myself into a big fraudulent situation and I have gotten so XXXX with trying to figure out how to legally handle the situation. It put a lot of stress on me due to me having to pay every two weeks which came up to almost $XXXX a month @ XXXX every two weeks sometimes I paid a little more to quickly pay off the account, and I knew if I just turned the car back in, it will be put on my credit as repossession, after I successfully purchase two cars paid off the first one and gave the second one to my daughter before purchasing the XXXX XXXX XXXX with US auto, and was finally XXXX points away from a XXXX credit score, I never had a repossession on my credit and I didnt want one because of the fraudulent situation US auto put me in, so I just kept paying for the car until I could legally afford help, in the beginning at the purchase in the car in XXXX XXXX, I put my down payment on the car on XXXX XXXX I had to pay my first payment on XXXX XXXX and every two weeks after which I thought was weird because everyone pay after one month of putting the down payment on the car, but I did it anyway and after paying the second payment and the third week of having the car, the engine froze up on me and the car wouldnt start, and come to find out the engine was blown so they sold me a car knowing that the engine was bad, I did found out from several clients who went through this same situation with US auto soon as they purchased a car, it breaks down within days to weeks later, the car just will go out on them, they did provide me warranty, but it was very limited. It was only 30 days, and very short miles because they knew that they do not fix their cars up rite before selling them, US Auto just fix their cars up enough for the customer to drive off the lot for a few days, hoping that the 30 days go out before the car breaks down and the warranty runs out but, thank XXXX that I was still within the 30 days before my warranty went out when the engine blown on me just 2 weeks later, US Auto put me through a lot, even though I was on their warranty, Us Auto was trying to figure out anyway to not honor the warranty, but they had no choice because legally I was within the 30 days but it took them one whole month to fix the car, which made me have to pay for a rental car out of pocket, with a promise that US Auto will reimburse me, so I did it because I was on a rental insurance with US auto, and a month after getting my car back, it took another month for them to reimburse me for the rental. I had to pay out-of-pocket for and US auto only reimbursed me half of what I pay out-of-pocket for the rental after sending receipts. I called and complaint about it, and they said they will look into it and fix the situation, and every time I call and complain, they will always have an excuse or say that a manager would call me and that it is being looked into, but I never heard anything else about it, so I just got tired of asking about it, but still make my payments, and I have all my receipts to show, and prove all the payments that I have made in close to over 2 years, over the course of a year I noticed that it seemed as the amounts on my account wasnt going down that much and it will be different every time I make a payment and so I will always call and complain about that as well and US auto will always have different reasons and say it was for this charge, another would say that charge an so on, I had to deal with US auto cutting my car off after I made payment, and a day after payment due, when I have to pay every 2 weeks, and on the XXXX day, if I didnt pay my car would be cut off, and I would be late for work, I had to miss some days because US auto is closed on Sundays, so if the mistake happens on Sunday, u are stuck, and that was such madness I understand if I was a month or even 2 late, but for almost 2 years Ive said on time or within timelines, on the contract it states the car purchase was for $XXXX and with service contract title and other fees it added up to $XXXX and with my down payment of $XXXX. It left a balance of a bit over $XXXX left to pay on my account, and as more time went by I noticed that my account just would not really go down much and so I went back up there to US auto in XXXX XXXX were I purchased the car to complain to the manager in person, and the manager proceeded to tell me that the best thing they can advise because they did the same thing because they got caught up in the US auto fraudulent scam as well. They told me to go to XXXX and trade the car in, which would make things worse and worse the worst advice that the manager could give me because I was still owe US auto as well and still have to pay XXXX for my new car, for example, if I owe US auto $XXXX left on my account and XXXX give me $XXXX to trade in my car. I would have to give the $XXXX to US auto and still owe $XXXX to US auto for the remaining funds left on my credit for the account plus XXXX will add what I owe them for the car I purchased from them as well. For example if I purchase a $XXXX car from them, I would now have a $XXXX payment on my credit to pay off so that was just some really XXXX advice that manager gave me from US auto, but the US auto manager basically told me right there that I was in a fraudulent situation and I was not going to get out of it without legal help, so I just kept paying for the car to get back-and-forth to work and to save money to invest into legal help with the situation at US auto and pay my other bills and take care of my family. So when I receive the alert on my credit that US auto close my account, I thought it was because all of the complaining I have been doing and that they figure I paid enough for that car because I also will complain to them about how the car kept breaking down but of course the warranty was over after US auto had to fix the engine so of course they wouldnt do anything about it and I had to keep putting money into paying for the car every two weeks and always had to pay for something to get fixed on the car every two weeks. It was a nightmare but I did love the car and again it was very important for me to get back-and-forth to work and I know if I would just give them the car they would put a repo on my credit and it will be hard for me to get another car after I gotten three cars already before I gotten the XXXX XXXX, but when I found out my account was closed by US auto, I was pretty excited, because again I thought they figure out paid enough even though I did not receive any notice a text to email a warning letter or anything to say that they was closing the account so I did not know where to go to or what should I do from there I just figured the account was closed and then I seen that so many US auto had close their doors because they was caught frauding and scamming so many people that they had multiple lawsuits on them and had to close down a lot of their businesses, so I have been trying to figure out information about the lawsuit and which law firm to go to to see if I can be a part of it because of all the issues that they have been putting me through since XXXX XXXX XXXX of Purchasing this car, but a lotta other things happen in my life after finding that news out that I had to focus on until I was hit by another driver that totaled that car, and I had to explain to XXXX the other party who hit me insurance company, about who the payment was supposed to go to which was US auto and they closed my account so Im not sure exactly how not who nor if the payment supposed to go to, and thats when we both did some investigation and found out that a company called West Lake portfolio management brought all US auto clients accounts, after doing more investigation, I found out that the company who has U.S Auto clients information which is Westlake management is trying to make all of US auto clients start over with their payments. For example, as it will show in the documents I uploaded, that on the contract is signed with US auto the agreement states that the cash price of a vehicle from US auto is $XXXX and with services contract at the title and other fees the price came to $XXXX and I put $XXXX down which left a balance of $XXXX on my to pay off on account which was back in XXXX XXXX, I have been living in XXXX XXXX for a while and Ive been moved to XXXX for a few months and so the address that they have on file is my mother house and she stated that I havent received any mail from US auto, and my mother is XXXX in XXXX, but recently after the accident when I was able to get to my mom house, I was able to go through some mail and I did find a letter from Westlake management that states that I owe as of XXXX XXXX XXXX $XXXX. They also are charging me for interest of $XXXX and saying that I owe fees of $XXXX which saying that my debt is now $XXXX. And that is just impossible again I do have all my receipts to show all the payments that I have made to US auto since back till XXXX XXXX and I can definitely send them when you guys need them, I wrote a list of the payments down to make it easier to send for now but whenever you guys need the hard copies of the receipts, just let me know, its a whole lot of them so Ill have to send them one by one. But there is no way I owe them that much. I have paid off about $XXXX since XXXX XXXX and having a car almost 3 years, $XXXX was the start of the payment when I signed the contract agreement back in XXXX XXXX, so how is it possible that I owe XXXX still at the almost 3 years of paying for this car I also reached out to the company to ask them for information on my account and to send me documents of what I have paid they seem to keep avoiding that question and they keep telling me to call my insurance company and see how much they are going to pay them and when they will pay them, and then they will discuss that information with me which is pretty much against the law. If I call and asked for information on my own account, they should have no problem with releasing that information to me, but they dont know that I have spoken with the other party insurance company which is a XXXX, and XXXX have told me that they are going to send them a $XXXX check, but XXXX have stated that they sent them information asking to show proof of my account and what I owe but they havent sent anything yet and it has been almost 2 months now since the accident so I dont know what is going on with this company, but they are on the news as well and a lot of clients are complaining that they have attitudes that they are not giving any information that they are asking for and that they are overcharging US auto clients, no matter how long theyve been with them. They are pretty much telling them they owe what the account started with, which is my problem now if I was crazy enough to just pay Westlake management $XXXX without saying anything, I would have double paid for a car that I dont even have anymore because it was totaled, I paid almost $XXXX and when XXXX send them $XXXX that would be $XXXX that they have took for the payment for the car, which I will be over paying for and they are still trying to say I owe them, that is so not fair and they are ripping me off so bad that its not even funny XXXX XXXX XXXX say is the car is only worth $XXXX insurance says the car is only worth $XXXX and I already pay $XXXX for the car so if they take XXXX from the $XXXX that I do not owe them, it will still be a $XXXX payment on my credit for a car that I do not even have and that I double payed for, this situation has got me so XXXX and I cannot stop crying because it feel like I am being robbed and theres nothing that I can do about it. I desperately need another car to get a round to get back-and-forth to work and be able to support my household and family and pay my bills and I cant get another car because Westlake management is withholding the $XXXX and still saying I owe them more which is so not true and I cant get another car because now I have a $XXXX amount on my credit from Westlake management that I do not even owe, all right now, so not only are they robbing mean but now they are taking money out of my pocket because I cant afford to get another car to get back-and-forth to work with this on my credit and them withholding all that money from me. I do understand that I do owe a couple more dollars on the account from US auto but I do not owe $XXXX, from what I already paid and from what is left, I only owe about $XXXX to $XXXX, and I supposed to receive the rest of the funds from that $XXXX check to help me purchase a new car and clear this XXXX XXXX off my credit that would be fraudulent for them to take the whole $XXXX and make me pay $XXXX for the car and still try to make me pay $XXXX, that would be $XXXX that I have paid in all for that car, This is a maddness. And again the car is totaled is gone and neither one of us can do anything with that car. I really need help with this issue calling Westlake management is only making me angry because I am not getting any response and all they keep saying is call the insurance company to see how much they are going to give them and When will they give them the check, They are so rude and defensive, I asked you even speak to the management, and the rude receptionist repeated the same thing to call the insurance company first and get the information that hes asking for and then call back and so instead of going back-and-forth arguing with them I am asking you guys for all the help that you make, and give please, these people are robbing me. Theyre all taking food out of me and my family mouth. They are keeping me XXXX where I cannot drive or even try to get another car because his debt is on my credit that I do not owe, which is causing me a lot of XXXX, and is keeping me from making the money that I need to support myself in my family because I cannot purchase another car onto the situation is handled and his debt is clean off my credit
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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On XX/XX/XXXX, I submitted a complaint to " Westlake Financial Services '' and impersonator " XXXX XXXX Services '' CFPB complaint number XXXX.
Statement of XX/XX/XXXX : " The first initial letter that I sent to Westlake Financial Services was on XX/XX/XXXX ( certified mail receipt proof 1 ), which required correspondence from Westlake Financial Services. Although, I did not receive anything in return. I sent another letter by regular mail to Westlake Financial Services on XX/XX/XXXX, asking for an update regarding my initial letter for vin # XXXX, but nothing in return. Although, I noticed that Westlake Financial Services violated my privacy and gave my information to an unknown party known as XXXX XXXX XXXX XXXX. As this transition occurred, I have never got any legal paperwork from Westlake Financial Services showing the information I had initially requested on XX/XX/XXXX. Including " XXXX XXXX XXXX XXXX '' does not show up on my credit report ( screenshot attached- Unlawful reporting from all parties involved in this matter )! I sent a letter to Westlake Financial Services and XXXX XXXX XXXX XXXX by regular mail. About three- weeks later I get a letter in the mail dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX indicating a Settlement offer for acct # XXXX balance of {$12000.00} with an offer to settle " the account '' for {$5100.00} ( Letter- proof XXXX ). In the box area shows that the communication is from a debt collector with a California license number pending and no other paperwork to show XXXX regulations, validation, or business agreement. Again, trying to protect my identity and my rights I sent a letter to Westlake Financial Services, XXXX XXXX XXXX XXXX, and XXXX ( certified mail receipt- proof 4 ) which was on XX/XX/XXXX. It is now XX/XX/XXXX, and no legitimate paperwork from Westlake Financial Services or XXXX ( who has been reporting invalid information on my credit report and wrong personal information- yet has not fixed it ). Today, XX/XX/XXXX, I got a response from XXXX XXXX XXXX XXXX enclosing documentation regarding " acct # XXXX. '' This correspondence shows that communication is from a third party as shown, a debt collector and not from Westlake Financial Services directly. XXXX XXXX XXXX XXXX AND " Westlake Financial Services '' failed to provide the information ( AGAIN ) required from vin # XXXX and legitimate information as indicated in the letter ( s ). The procedure and proof from XXXX XXXX XXXX XXXX XXXX CFPB the violations of commercial code ( s ) : Count I- 9506- ( a ) A financing statement substantially satisfying the requirements of this part is effective, even if it has minor errors or omissions, unless the errors or omissions make the financing statement seriously misleading. ( b ) Except as otherwise provided in subdivision ( c ), a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section 9503 is seriously misleading. ( c ) If a search of the records of the filing office under the debtors correct name, using the filing offices standard search logic, if any, would disclose a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section 9503, the name provided does not make the financing statement seriously misleading. ( d ) For purposes of subdivision ( b ) of Section 9508, the debtors correct name in subdivision ( c ) means the correct name of the new debtor. ( Repealed and added by Stats. 1999, Ch. 991, Sec. 35. Effective XX/XX/XXXX. Operative XX/XX/XXXX, by Sec. 75 of Ch. 991 and Section 9701. ) Count II- 9611 ( a ) In this section, notification date means the earlier of the date on which : ( 1 ) A secured party sends to the debtor and any secondary obligor an authenticated notification of disposition. ( 2 ) The debtor and any secondary obligor waive the right to notification. ( b ) Except as otherwise provided in subdivision ( d ), a secured party that disposes of collateral under Section 9610 shall send to the persons specified in subdivision ( c ) a reasonable authenticated notification of disposition. ( c ) To comply with subdivision ( b ), the secured party shall send an authenticated notification of disposition to all of the following persons : ( 1 ) The debtor. ( 2 ) Any secondary obligor. ( 3 ) If the collateral is other than consumer goods to both of the following persons : ( A ) Any other person from which the secured party has received, before the notification date, an authenticated notification of a claim of an interest in the collateral. ( B ) Any other secured party or lienholder that, 10 days before the notification date, held a security interest in or other lien on the collateral perfected by the filing of a financing statement with respect to which all of the following apply : ( i ) It identified the collateral. ( ii ) It was indexed under the debtors name as of that date. ( iii ) It was filed in the office in which to file a financing statement against the debtor covering the collateral as of that date. ( C ) Any other secured party that, 10 days before the notification date, held a security interest in the collateral perfected by compliance with a statute, regulation, or treaty described in subdivision ( a ) of Section 9311. ( d ) Subdivision ( b ) does not apply if the collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market. ( e ) A secured party complies with the requirement for notification prescribed in subparagraph ( B ) of paragraph ( 3 ) of subsection ( c ) if it satisfies both of the following conditions : ( 1 ) Not later than 20 days or earlier than 30 days before the notification date, the secured party requests, in a commercially reasonable manner, information concerning financing statements indexed under the debtors name in the office indicated in subparagraph ( B ) of paragraph ( 3 ) of subdivision ( c ). ( 2 ) Before the notification date, the secured party either : ( A ) Did not receive a response to the request for information. ( B ) Received a response to the request for information and sent an authenticated notification of disposition to each secured party or other lienholder named in that response whose financing statement covered the collateral. ( Amended ( as to be added by Stats. 1999, Ch. 991 ) by Stats. 2000, Ch. 1003, Sec. 43. Effective XX/XX/XXXX. Addition and amendment operative XX/XX/XXXX, by Stats. 1999, Ch. 991, Sec. 75, and Stats. 2000, Ch. 1003, S Count III- 9612 ( a ) Except as otherwise provided in subdivision ( b ), whether a notification is sent within a reasonable time is a question of fact. ( b ) In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition. ( Added by Stats. 1999, Ch. 991, Sec. 35. Effective January 1, 2000. Operative July 1, 2001, by Sec. 75 of Ch. 991 and Section 9701. ) Count IV- 9613 Except in a consumer-goods transaction, the following rules apply : ( 1 ) The contents of a notification of disposition are sufficient if the notification does all of the following : ( A ) It describes the debtor and the secured party. ( B ) It describes the collateral that is the subject of the intended disposition. ( C ) It states the method of intended disposition. ( D ) It states that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, for an accounting. ( E ) It states the time and place of a public disposition or the time after which any other disposition is to be made. ( 2 ) Whether the contents of a notification that lacks any of the information specified in paragraph ( 1 ) are nevertheless sufficient is a question of fact. ( 3 ) The contents of a notification providing substantially the information specified in paragraph ( 1 ) are sufficient, even if the notification includes either of the following : ( A ) Information not specified by that paragraph. ( B ) Minor errors that are not seriously misleading. ( 4 ) A particular phrasing of the notification is not required. ( 5 ) The following form of notification and the form appearing in subdivision ( 3 ) of Section 9614, when completed, each provides sufficient information : NOTIFICATION OF DISPOSITION OF COLLATERAL To : [ Name of debtor, obligor, or other person to which the notification is sent ] From : [ Name, address, and telephone number of secured party ] Name of Debtor ( s ) : [ Include only if debtor ( s ) are not an addressee ] [ For a public disposition : ] We will sell [ or lease or license, as applicable ] the _____ [ describe collateral ] _____ [ to the highest qualified bidder in public as follows : ] Day and Date : Time : Place : [ For a private disposition : ] We will sell [ or license, as applicable ] the _____ ( describe collateral ) _____ privately sometime after _____ [ day and date ] _____. You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to sell [ or lease or license, as applicable ] [ for a charge of $ _____ ]. You may request an accounting by calling us at. [ telephone number ] ( Amended ( as to be added by Stats. 1999, Ch. 991 ), by Stats. 2000, Ch. 1003, Sec. 44. Effective XX/XX/XXXX. Addition and amendment operative XX/XX/XXXX, by Stats. 1999, Ch. 991, Sec. 75, and Stats. 2000, Ch. 1003, Sec. 56. ) Overall, my letter ( s ) it has shown that they are OBLIGATED to provide me with all proper copies from UCC and steps 1 to 3 : 1. All legal notices 2. Proof of the commercially reasonable manner of the notification 3. Verified resale of the subject vehicle vin # # XXXX However- no valid proof was ever given to me just incoherent information. It was noted that all parties had 15 days from receipt of their certified mail notice. Yet, the response from XXXX XXXX XXXX XXXX paperwork received on XX/XX/XXXX, is null and invalid. The reporting from Westlake Financial Services or XXXX XXXX XXXX XXXX is an invalid claim and will be considered a violation of the Fair Debt Collection Practice Act and Fair Credit Reporting Act. If this matter is not solved properly throughout CFPB I will seek further damages against all parties under federal and state laws involved in this matter for not taking appropriate actions. '' As I submitted this CFPB complaint, I had expected accurate and legitimate information to be submitted. However, on XX/XX/XXXX, I got a response from " Westlake Financial Services '' that did not meet the required information as stated UCC Article 9 ( stated above ) nor has XXXX XXXX XXXX XXXX respond to the CFPB complaint.
Most importantly, Westlake Financial Services '' response indicated that " XXXX XXXX XXXX XXXX '' is servicing the loan for " Westlake Financial Services '' whereas I am requesting a contract where " I '' signed that I allowed " XXXX XXXX XXXX XXXX '' to have my personal information. Per the contract, that I have acknowledged shows that I only did business with " Westlake Financial Services '' alone. As I did not allow a third party nor was given certified mail ( proper ) notice ( wet signature requirement ) of a release of information to a third party. For that reason, this process is a violation of my privacy under CCPA and California law, Civil Code Section 1798.99.80, which defines a data broker as a business that knowingly collects and sells to third parties the personal information of a consumer with whom the business does not have a direct relationship. I will be submitting a complaint to the Office of the Attorney General. If I am not given proper information as stated above in the initial CFPB.
Additionally, " Westlake Financial Services '' added other documents to the CFPB complaint of XX/XX/XXXX such as " Payment History '' which is showing opening bal : XXXX and a log of amount mode ( payments ) and balance amt that have equaled down to XXXX. Please note, I am required to have : A check/ deposit copy ( from the private buyer to " Westlake Financial Services XXXX from XXXX for the amount of {$19000.00} ), a bill of sale ( from XXXX ), paperwork copy ( from XXXX for the amount of {$26000.00} ), and lastly copy of check/deposit and where the warranty refund got directed to ( from XXXX for the amount of {$1300.00} ). None of this information being reported was ever given to me, which is not following UCC 9-506. - EFFECT OF ERRORS OR OMISSIONS, XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, and XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
As of XX/XX/XXXX my credit report on XXXX is reporting account name WESTLAKE FINANCIAL SVC # XXXX as closed with an amount of {$12000.00}, and active reporting per each month. However, the information stated above including the missing information shows that this misreporting is unlawful, null, and is a violation of FCRA whereas should be removed from my credit report.
If no such proof is provided from 1 to 3 ( stated above ) within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to fulfill with the above requests, I reserve the rights to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. All documentation will be filed through FCRA protocol to provide proof of the above stated 1 to 3 obligation.
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| 06/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Westlake threatened that I pay or my credit would be ruined. I was in XXXX and now I'm XXXX. I cant XXXX and I suffered XXXX XXXX to my XXXX and I can XXXX XXXX. I told them said said there is nothing they could do. the date is XX/XX/XXXX for XXXX. they said I must pay they don't care. they made me feel like XXXX XXXX again. I'm so XXXX My Account Sign Out Overview Credit Reports Alerts Protection Credit Tools XXXX Poor As of : XX/XX/XXXX Print Report Personal Information Score Factors Your credit score is calculated using 5 factors.
40 % Payment History 35 % Outstanding Debt 10 % Account Types 10 % Credit Age 5 % New Activity = 100 % Your Credit Score Payment HistoryPoor Paying your bills on time is the single most important thing you can do for your credit score, this shows creditors that you are willing and able to meet all your obligations.
1 Collection Accounts 4 Delinquent Accounts 0 Public Records 4 Late Payments 86 % of on time payments Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Outstanding DebtExcellent Keeping your balances low compared to your available credit shows creditors you are able to manage your debt and your budget is likely in line. Keeping your balances under 30 % is a good rule of thumb but keeping them under 10 % ( but greater than 0 % ) is your ideal target.
{$3300.00} Total Credit Usage {$34000.00} Total Credit Limit 10 % Credit Utilization Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Account TypesGood Having a diverse mix of different account types demonstrates your ability to meet your credit obligations.
11 Open Accounts 3 Closed Accounts 14 Total Accounts Credit Mix Open AccountClosed Account 1 0 Real Estate 1 0 Auto 5 0 Student 2 3 Credit Card 2 0 Other Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Credit AgeGood Creditors value longevity and consistency so the deeper your credit history is the better. Remember that opening new accounts and closing existing accounts can impact your credit age.
1 Year 7 Months Average Credit Age 6 Years 5 Months Oldest Account 5 Months Newest Account Oldest Account rentreporters.com/residence Act. # XXXX Current XXXX Open Real Estate Account Type Newest Account XXXX XXXX XXXXXXXX Act. # XXXX Collection Chargeoff XXXX Open Other Account Type Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now New ActivityFair While new activity is normal and represents the lowest impact to your score, it is a good idea to refrain from opening a bunch of new accounts in a short time frame.
Who's been checking your credit?
Inquiry : XXXX Date:XXXX Inquiry : XXXX/XXXX Date:XXXX Review All Inquiries Compare your rating on this score factor across all bureaus to ensure correct reporting.
Compare Now Accounts Summary Total Balances : {$49000.00} Total Payments : {$500.00} Real Estate Balance {$0.00} Payment {$0.00} View Real Estate Auto Loans Balance {$13000.00} Payment {$310.00} View Auto Loans Credit Cards Balance {$6900.00} Payment {$140.00} View Credit Cards Student Loans Balance {$28000.00} Payment {$0.00} View Student Loans Other Accounts Balance {$100.00} Payment {$50.00} View Other Accounts Negative Items Collections 1 Public Records 0 View Negative Items Collections Accounts Debts that have been turned over to a third-party collection agency.
Your payment history has the greatest impact on your credit scores. Debts in collection often have long-term, harmful effects on your scores. They remain on your reports for up to seven years, and if they lead to legal action to collect the debt, the harmful hit to your scores is magnified. Work with your creditor to find a repayment solution to lessen the negative consequences.
XXXX XXXX XXXXXXXX Balance {$3500.00} COLLECTIONS XXXX XXXX XXXX XXXX Original Creditor XXXX Act. # XXXX Opened XXXX Reported Open Condition Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, MD XXXX | ( XXXX ) XXXX Compare this account across all bureaus.
Click here to ensure your information is being reported correctly.
Compare Account Open AccountsClosed AccountsAll Accounts Your Accounts Reported from XXXX XXXX Sort by All Account Types Viewing All Account Types XXXX XXXX XXXXXXXX Act. # XXXX {$150.00} Past Due XXXX Opened {$1000.00} Credit Limit {$2100.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$60.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , TX XXXX | ( XXXX ) XXXX Remarks : Canceled by credit grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 1 Negative Item XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX {$200.00} Past Due XXXX Opened {$750.00} Credit Limit {$1300.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$43.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX Remarks : Dispute resolved ; reported by grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$14000.00} High Balance {$15000.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$12000.00} High Balance {$13000.00} Balance Individual Account Vehicle Loan Account Type Open Condition XXXX Date Reported {$310.00} Payment Creditor Contact : XXXX XXXX XXXX , XXXX XXXX , CA XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX/XXXX Act. # XXXX Current XXXX Opened {$8000.00} Credit Limit {$3300.00} Balance Authorized User Account Credit Card Account Type Open Condition XXXX Date Reported {$39.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , SD XXXX You are an authorized user on this account.
This means the primary cardholder has trusted you with access to their credit. While you are not contractually responsible for the debt or making the payments, the account is reported on your credit profile. On-time payments could be beneficial to your scores, and conversely, late payments could have a negative impact. If this account has a negative impact on your scores, you can ask the bank to remove you as an authorized user and to stop reporting it on your credit profile.
Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$2900.00} High Balance {$3100.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX XXXX ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$2600.00} High Balance {$2700.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$430.00} High Balance {$67.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$33.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account intersectfun Act. # XXXX Current XXXX Opened {$210.00} High Balance {$33.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$17.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account chase card Act. # XXXX Current XXXX Opened {$26000.00} Credit Limit {$0.00} Balance Terminated Account Credit Card Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX. XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account rentreporters.com/residence Act. # XXXX Current XXXX Opened {$1800.00} High Balance {$0.00} Balance Individual Account Home Loan Account Type Open Condition XXXX Date Reported {$1800.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus.
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Compare Account capital bank Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$180.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX , XXXX, MD XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus.
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Compare Account Who's Been Checking Your Credit?
Your credit report has recently been checked by a creditor or lender.
Inquiry : XXXXDate of Inquiry : XXXX Contact:XXXX XXXX XXXX XXXX , XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX XXXX Score Reasons Positive and Negative Reasons Impacting Your Credit Score.
Review All Score Reasons Your Credit On The Go - Staying informed about your credit is the key to protecting it. Our app makes it easy.
Call Us at XXXX Live representatives are available Monday - Friday, XXXX to XXXX CST Saturday, XXXX to XXXX CST Sunday, XXXX to XXXX CST Protected & secured with using ScoreSense Dashboard XXXX Report XXXX Report XXXX Report My Score Tools Family Identity Learning Center Alerts ScoreTracker Disputes Credit Freeze help Contact Us FAQs legal Terms & Conditions Privacy Policy About Us stay connected ScoreSense is a trademark of XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX. All rights reserved.
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| 04/02/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear WESTLAKE FINANCIAL SERVICES I am writing to request that you immediately cease and desist all communications with me regarding the alleged debt for account number .., which you have claimed that I owe.
Your attempts to collect this alleged debt violate several provisions of federal law, including the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your communications with me have included cash or credit consumer violations and obligation violations, which are in violation of TILA and FDCPA. I believe that your actions have caused me significant harm, including emotional distress and XXXX, and I am now seeking to enforce my legal rights in this matter.
Pursuant to the TILA, 15 U.S.C. 1601 et seq., you are required to provide me with clear and accurate information about my account, including the amount of the alleged debt, the interest rate, and any fees or charges that have been added. However, your communications have failed to provide me with this information, and instead, you have attempted to coerce me into making payments without giving me the opportunity to verify the accuracy of the alleged debt.
Additionally, your actions have violated the FDCPA, 15 U.S.C. 1692 et seq., which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices when attempting to collect a debt. Your communications with me have included harassment, misrepresentation, and other illegal tactics, which are in violation of this law. Under the FDCPA, debt collectors are prohibited from engaging in certain types of conduct when attempting to collect a debt, including using false, deceptive, or misleading statements, harassing or abusing consumers, and communicating with third parties about the debt. In a consumer transaction, the options are cash or credit, not both in pursuant to federal law and WESTLAKE financial received both which is a violation. Debt collectors are also required to provide certain disclosures to consumers, such as the amount of the debt, the name of the original creditor, and the consumer 's right to dispute the debt.
Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 U.S. Code 1601 ( a ) of the Truth in Lending Act. Pursuant to 15 U.S. Code 1692c ( c ), I dispute the alleged debt and refuse to pay the alleged debt. I demand reimbursement with twice the amount of any finance charge in connection with the transaction and with actual damages according civil liability U.S. Code 1640. I demand that you cease all further communications through any mediums, unless is pertains to the validation of the alleged debt. Pursuant to U.S. Code 1692c ( C ) ( 2 ), Unless communication is to further this investigation or to relay information on the dispute do not contact me for any reasons other than the ones listed. I am invoking my specified remedy as the original creditor and demand the following, 1. Send the Audit Trail pursuant to 5 U.S. Code 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, Forward Flow Agreement, and anything else relating to the Consumer for review and validation.
- [ ] 2. Validation of the Debt ( actual accounting ) - [ ] 3. Verification of your claim ( signed, wet ink, invoice ) - [ ] 4. A copy of the contract binding both parties, Including XXXX XXXX , The living man, WESTLAKE FINANCIAL SERVICE , the legal fiction.
- [ ] 5. If you intend to set up or plead or have set up or pleaded negligence or any other separate defense, or if you have or intend to set up a counterclaim, cross-claim, or third-party action, ( a ) state the facts upon which you intend to predicate such defenses, counterclaim, cross-claim, or third-party action; and ( b ) identify a copy of every document relating to such facts.
- [ ] 6. State the names and addresses of all eyewitnesses with any knowledge of anything that is alleged in the complaint, or any affirmative defense set forth that the identity of that person and the extent of the knowledge - [ ] 7. If any photographs, videotapes, audio tapes or other forms of electronic recording, sketches, reproductions, charts, or maps were made with respect to anything that is relevant to the subject matter of the complaint, describe : ( a ) the number of each. ( b ) what each shows or contains ; ( c ) the date taken or made ; ( d ) the names and addresses of the persons who made them ; ( e ) in whose possession they are at present; and ( f ) if in your possession, attach a copy, or if not subject to convenient copying, state the location where inspection and copying may take place - [ ] 8. With respect to all expert witnesses, and with respect to any person who has conducted an examination pursuant to Rule 4:19, state each such witness 's name, address and area of expertise and attach a true copy of all written reports provided to you - [ ] 9. Pursuant to R. 4:10-2 ( b ), state whether there are any insurance agreements including excess policies under which any person or firm carrying on an insurance business may be liable to satisfy part or all of a judgment that may be entered in this action or to indemnify or reimburse for payments made to satisfy the judgment.
YES ( ____ ) or NO ( ____ ).
- [ ] 10. If you intend to rely on any statute, rule, regulation or ordinance, state the exact title and section.
- [ ] 11. Pursuant to R. 4:10-2 ( b ), state whether there are any insurance agreements including excess policies under which any person or firm carrying on an insurance business may be liable to satisfy part or all of a judgment that may be entered in this action or to indemnify or reimburse for payments made to satisfy the judgment. YES ( ____ ) or NO ( ____ ).
If the answer is " yes '', attach a copy of each insurance agreement or policy, or in the alternative state : ( a ) number ; ( b ) name and address of insurer or issuer ; ( c ) inception and expiration dates ; ( d ) names and addresses of all persons insured thereunder ; ( e ) personal injury limits ; ( f ) property damage limits ; ( g ) medical payment limits ; ( h ) name and address of person who has custody.
- [ ] 12. possession thereof; and ( i ) where and when each policy or agreement can be inspected and copied.
- [ ] 13. Identify all documents that may relate to this action, and attach copies of each such
document, including but not limited to the service history and the deal or transaction jacket.
- [ ] 14. State whether you have ever been convicted of a crime. YES ( ____ ) or NO ( ____ ).
- [ ] If the answer is " yes '', state : ( a ) date ; ( b ) place ; and ( c ) nature.
- [ ] 15. As to each paragraph in your answer that you have denied or answered with anything other than an unqualified admit, set forth in complete detail all facts which you allege support the failure to admit.
- [ ] 16. List each dealership employee who participated in the consumers transaction in any way. Include their name and their role in the consumer transaction.
- [ ] 17. List each dealership employee who had any communication with the consumer in any way at any time. Specifically list each conversation any creditor employee had with the consumer. Do not states see attached documents as this does not answer this question?
- [ ] 18. State ( a ) the name and address of any person who had any verbal or nonverbal communication with the plaintiff at any time; ( b ) whether it was oral or in writing ; ( c ) the date ; ( d ) the name and address of the person ; ( e ) the name and address of each person present when the communication occurred ; and ( f ) the name and address of each person who has knowledge of the communication.
- [ ] Unless subject to a claim of privilege, which must be specified : ( g ) attach a copy of the statement, if it is in writing ; ( h ) if the statement was oral, state whether a recording was made and, if so, set forth the nature of the recording and the name and address of the person who has custody of it; and ( i ) if the statement was oral and no recording was made, provide a detailed summary of its contents.
- [ ] 19. If you have not spoken to anyone or referred to any documents, please set forth reasons why you have failed to do so.
- [ ] 20. What was the date which this creditor acquired the subject vehicle?
- [ ] 21. Did this creditor have of access to the XXXX, Auto Check ( or any vehicle history ) at the time of the transaction with the creditor? If so, Did the consumer ever access a XXXX either before during or after the transaction with the creditor if so, what information is contained in the XXXX. Please attach all reports. Please attach agreement with XXXX, Auto Check.
- [ ] 22. Regarding the vehicle which was sold to the creditor please list the following : - [ ] ( a ) From whom was the vehicle purchased? Include, name, address, and telephone number.
- [ ] ( b ) For how much was the vehicle purchased by this creditor?
- [ ] ( c ) Nature of the transaction for example was it financed or was it a cash deal?
- [ ] ( d ) Please attach all the documentation pertaining to the acquisition of the subject vehicle. Attach the deal and/or transaction file - [ ] ( e ) List all representations to the consumer received from the seller of the vehicle upon acquisition.
- [ ] ( f ) What was the odometer reading when the vehicle was acquired by the creditor?
- [ ] ( i ) If an appraisal of this vehicle was ever performed please attached the result and describe the process including listing all sources of information used to get the value - [ ] 26. During these creditors term of ownership, please list all mechanical work or bodywork, which was done to the vehicle. Please set forth the following : - [ ] ( a ) Reasons for work?
- [ ] ( b ) Exact date which work was done.
- [ ] ( c ) Who performed the work?
- [ ] ( d ) What amount of money was paid to the individual, if any, who performed the work?
- [ ] ( e ) Reason for work being performed.
- [ ] ( f ) Who performed the work and list last known address?
- [ ] 23. During the term of this creditors ownership or possession please list all repair facility, garage or individual who inspected, performed any alterations, or performed any mechanical or body work on the vehicle.
- [ ] 24. Who shipped this vehicle to this creditor, time, place and drop off date and attach any bill of lading or any other document received by this creditor when the car was received?
- [ ] 25. During the creditor term of ownership or possession please list all official State Inspections or any other inspections for any reason which was done on the subject vehicle. Please set forth the following : - [ ] ( a ) Date of the inspection.
- [ ] ( b ) Place of inspection.
- [ ] ( c ) Reason for inspection.
- [ ] ( d ) Result of inspection.
- [ ] ( e ) List each part of the car inspected any why.
- [ ] ( f ) Please attach any paperwork and/or documentation confirming that the vehicle was inspected.
- [ ] 30. Did this creditor advertise the subject vehicle on the internet in any newspaper and/or publication? If so, please set forth the following : - [ ] ( a ) Date advertised.
- [ ] ( b ) Advertised price.
- [ ] ( c ) Exact content of advertisement.
- [ ] ( d ) Reason for running advertisement.
- [ ] ( e ) Name and address of media running advertisement. ( f ) Any changes to the advertised price- [ ] ( g ) Attach the advertisement and changes.
27. Actual damages and reimbursement amount equal to the sum of all finance charges and fees paid by the consumer pursuant to 15 U.S. Code 1640.
28. Zero out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; and Remove all remarks and comments from all consumer report.
As a reminder, a Lawful binding contract must meet four essential conditions : - [ ] FULL disclosure - [ ] EQUAL consideration - [ ] LAWFUL terms and conditions - [ ] WET INK signatures of BOTH parties I demand that you immediately cease all communications with me, including phone calls, letters, emails, and any other forms of communication. Pursuant to 18 U.S.C. 8, I am hereby invoking my right to be free from debt bondage and any attempts to collect on this alleged debt.
I remind you ; this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the requested documentation for proper validation of the alleged within 14 days of receipt of this notice, you will be held civilly and criminally liable under 15 U.S. Code 1611 and 15 U.S. Code 1692k and I demand my resolution attended to.
If you continue to attempt to collect this alleged debt or communicate with me in any way, I will take all necessary legal action to protect my rights, including filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, and any other relevant agencies. I am also prepared to pursue a private cause of action against you, including seeking damages for any harm that you have caused me.
Please be advised that a copy of this letter will be retained for my records, and that any future communication from you will be considered evidence of your willful violation of federal law.
Signed In Good Faith XXXX XXXX/Consumer
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| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Westlake Financial Services Account XXXX XXXX Account was paid as agreed. It is ilegal to report transaction history.
Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431 If its a Charged off - a charged off is a certificate of indebtment which mean it is income it must be removed.
Utilization : it is illegal to report transaction history.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
As you can see there is a need to protect your right to privacy.
Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. WESTLAKE FINANCIAL SERVICE are not mainting reasonable procedures. XXXX and XXXX and XXXX are not maintaining reasonable procedures
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 01/05/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The first initial letter that I sent to Westlake Financial Services was on XX/XX/XXXX ( certified mail receipt proof 1 ), which required correspondence from Westlake Financial Services. Although, I did not receive anything in return. I sent another letter by regular mail to Westlake Financial Services on XX/XX/XXXX, asking for an update regarding my initial letter for vin # XXXX, but nothing in return.
Although, I noticed that Westlake Financial Services violated my privacy and gave my information to an unknown party known as XXXX XXXX XXXX XXXX. As this transition occurred, I have never got any legal paperwork from Westlake Financial Services showing the information I had initially requested on XX/XX/XXXX. Including " XXXX XXXX XXXX XXXX '' does not show up on my credit report ( screenshot attached- Unlawful reporting from all parties involved in this matter )! I sent a letter to Westlake Financial Services and XXXX XXXX XXXX XXXX by regular mail.
About XXXX- weeks later I get a letter in the mail dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX a Settlement offer for acct # XXXX balance of {$12000.00} with an offer to settle " the account '' for {$5100.00} ( Letter- proof 3 ). In the box area shows that the communication is from a debt collector with a XXXX license number pending and no other paperwork to show UCC regulations, validation, or business agreement.
Again, trying to protect my identity and my rights I sent a letter to Westlake Financial Services, XXXX XXXX XXXX XXXX, and XXXX ( certified mail receipt- proof 4 ) which was on XX/XX/XXXX. It is now XX/XX/XXXX, and no legitimate paperwork from Westlake Financial Services or XXXX ( who has been reporting invalid information on my credit report and wrong personal information- yet has not fixed it ).
Today, XX/XX/XXXX, I got a response from XXXX XXXX XXXX XXXX enclosing documentation regarding " acct # XXXX. '' This correspondence shows that communication is from a third party as shown, a debt collector and not from Westlake Financial Services directly. XXXX XXXX XXXX XXXX AND " Westlake Financial Services '' failed to provide the information ( AGAIN ) required from vin # XXXX and legitimate information as indicated in the letter ( s ).
The procedure and proof from XXXX XXXX XXXX XXXX XXXX CFPB the violations of commercial code ( s ) : Count I- 9506- ( a ) A financing statement substantially satisfying the requirements of this part is effective, even if it has minor errors or omissions, unless the errors or omissions make the financing statement seriously misleading.
( b ) Except as otherwise provided in subdivision ( c ), a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section 9503 is seriously misleading.
( c ) If a search of the records of the filing office under the debtors correct name, using the filing offices standard search logic, if any, would disclose a financing statement that fails sufficiently to provide the name of the debtor in accordance with subdivision ( a ) of Section 9503, the name provided does not make the financing statement seriously misleading.
( d ) For purposes of subdivision ( b ) of Section 9508, the debtors correct name in subdivision ( c ) means the correct name of the new debtor.
( Repealed and added by Stats. 1999, Ch. 991, Sec. 35. Effective XXXX XXXX XXXX. Operative XXXX XXXX XXXX, by Sec. 75 of Ch. 991 and Section 9701. ) Count II- 9611 ( a ) In this section, notification date means the earlier of the date on which : ( 1 ) A secured party sends to the debtor and any secondary obligor an authenticated notification of disposition.
( 2 ) The debtor and any secondary obligor waive the right to notification.
( b ) Except as otherwise provided in subdivision ( d ), a secured party that disposes of collateral under Section 9610 shall send to the persons specified in subdivision ( c ) a reasonable authenticated notification of disposition.
( c ) To comply with subdivision ( b ), the secured party shall send an authenticated notification of disposition to all of the following persons : ( 1 ) The debtor.
( 2 ) Any secondary obligor.
( 3 ) If the collateral is other than consumer goods to both of the following persons : ( A ) Any other person from which the secured party has received, before the notification date, an authenticated notification of a claim of an interest in the collateral.
( B ) Any other secured party or lienholder that, XXXX days before the notification date, held a security interest in or other lien on the collateral perfected by the filing of a financing statement with respect to which all of the following apply : ( i ) It identified the collateral.
( ii ) It was indexed under the debtors name as of that date.
( iii ) It was filed in the office in which to file a financing statement against the debtor covering the collateral as of that date.
( C ) Any other secured party that, XXXX days before the notification date, held a security interest in the collateral perfected by compliance with a statute, regulation, or treaty described in subdivision ( a ) of Section 9311.
( d ) Subdivision ( b ) does not apply if the collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market.
( e ) A secured party complies with the requirement for notification prescribed in subparagraph ( B ) of paragraph ( 3 ) of subsection ( c ) if it satisfies both of the following conditions : ( 1 ) Not later than XXXX days or earlier than XXXX days before the notification date, the secured party requests, in a commercially reasonable manner, information concerning financing statements indexed under the debtors name in the office indicated in subparagraph ( B ) of paragraph ( 3 ) of subdivision ( c ).
( 2 ) Before the notification date, the secured party either : ( A ) Did not receive a response to the request for information.
( B ) Received a response to the request for information and sent an authenticated notification of disposition to each secured party or other lienholder named in that response whose financing statement covered the collateral.
( Amended ( as to be added by Stats. XXXX, Ch. 991 ) by Stats. XXXX, Ch. 1003, Sec. 43. Effective XXXX XXXX XXXX. Addition and amendment operative XXXX XXXX XXXX, by Stats. XXXX, Ch. 991, Sec. 75, and Stats. XXXX, Ch. 1003, S Count III- 9612 ( a ) Except as otherwise provided in subdivision ( b ), whether a notification is sent within a reasonable time is a question of fact.
( b ) In a transaction other than a consumer transaction, a notification of disposition sent after default and XXXX days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition.
( Added by Stats. XXXX, Ch. 991, Sec. 35. Effective XXXX XXXX XXXX. Operative XXXX XXXX XXXX, by Sec. 75 of Ch. 991 and Section 9701. ) Count IV- 9613 Except in a consumer-goods transaction, the following rules apply : ( 1 ) The contents of a notification of disposition are sufficient if the notification does all of the following : ( A ) It describes the debtor and the secured party.
( B ) It describes the collateral that is the subject of the intended disposition.
( C ) It states the method of intended disposition.
( D ) It states that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, for an accounting.
( E ) It states the time and place of a public disposition or the time after which any other disposition is to be made.
( 2 ) Whether the contents of a notification that lacks any of the information specified in paragraph ( 1 ) are nevertheless sufficient is a question of fact.
( 3 ) The contents of a notification providing substantially the information specified in paragraph ( 1 ) are sufficient, even if the notification includes either of the following : ( A ) Information not specified by that paragraph.
( B ) Minor errors that are not seriously misleading.
( 4 ) A particular phrasing of the notification is not required.
( 5 ) The following form of notification and the form appearing in subdivision ( 3 ) of Section 9614, when completed, each provides sufficient information : NOTIFICATION OF DISPOSITION OF COLLATERAL To : [ Name of debtor, obligor, or other person to which the notification is sent ] From : [ Name, address, and telephone number of secured party ] Name of Debtor ( s ) : [ Include only if debtor ( s ) are not an addressee ] [ For a public disposition : ] We will sell [ or lease or license, as applicable ] the _____ [ describe collateral ] _____ [ to the highest qualified bidder in public as follows : ] Day and Date : Time : Place : [ For a private disposition : ] We will sell [ or license, as applicable ] the _____ ( describe collateral ) _____ privately sometime after _____ [ day and date ] _____.
You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to sell [ or lease or license, as applicable ] [ for a charge of $ XXXX__ ]. You may request an accounting by calling us at.
[ telephone number ] ( Amended ( as to be added by Stats. XXXX, Ch. 991 ), by Stats. XXXX, Ch. 1003, Sec. 44. Effective XXXX XXXX XXXX. Addition and amendment operative XXXX XXXX XXXX, by Stats. XXXX, Ch. 991, Sec. 75, and Stats. XXXX, Ch. 1003, Sec. 56. ) Overall, my letter ( s ) it has shown that they are OBLIGATED to provide me with all proper copies from UCC and steps 1 to 3 : 1. All legal notices 2. Proof of the commercially reasonable manner of the notification 3. Verified resale of the subject vehicle vin # # XXXX However- no valid proof was ever given to me just incoherent information. It was noted that all parties had 15 days from receipt of their certified mail notice.
Yet, the response from XXXX XXXX XXXX XXXX paperwork received on XX/XX/XXXX, is null and invalid. The reporting from Westlake Financial Services or XXXX XXXX XXXX XXXX is an invalid claim and will be considered a violation of the Fair Debt Collection Practice Act and Fair Credit Reporting Act. If this matter is not solved properly throughout CFPB I will seek further damages against all parties under federal and state laws involved in this matter for not taking appropriate actions.
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| 09/17/2018 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In accordance with the Fair Credit Reporting Act, I am asking you to immediately stop all collection activities about this debt, and stop reporting it to credit bureaus. I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report Please send me a letter explaining what you have done to : Stop collection activities against me Stop reporting information about the debt to credit bureaus If you've already reported the debt to credit bureaus, Provide me with the records I request.All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). 23 Promptly modify or delete the information, or block its reporting. Section 62 Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 24 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Early XXXX I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. They had a car specifically listed on XXXX as Certified Pre-Owned, and the salesmen XXXX and XXXX assured me multiple times over the phone that it was in excellent condition. They told me repeatedly that the vehicle needed no repairs. When the vehicle was delivered on the XXXX, we noticed immediately that there were major concerns. We took it to three auto shops, one of them being a certified XXXX XXXX. All three told me that it was unsafe to drive and that I should park it. There are major concerns with the frame being almost completely rusted through in several places, the gas tank strap rusted through that it was about to fall out, the brakes are failing, and the steering is badly misaligned and leaking. We tried reasoning with the dealership asking them to reverse the sale, return my deposit and the money to the bank, and take the car back. They refused. I took the vehicle to three auto body shops, and two body work shops to get a comprehensive picture of the full extent and value of the vehicle. We have an inspection report from the certified XXXX XXXX for {$7900.00}. We have a body shop repair estimate for the frame and body work that needs to be done for {$13000.00} from XXXX XXXX XXXX. This shows that there is approximately {$21000.00} worth of damage and repairs to the vehicle that Westlake Financial financed me {$20000.00}. We tried reaching out to Westlake Financial Services on XX/XX/XXXX for the first time in regards to the loan they financed me for the vehicle. I waited so long to reach out to them only because I wanted to give them the best opportunity and a full picture of the extent of the situation. I made sure to have multiple auto inspections done, a XXXX valuation done, and an attempt to work something out with the dealership first. They told me they would file a dealership complaint, and then gave me a customer service email address to send my documents to ( XXXX ), providing proof of the deliberate concealment and horrible condition of the vehicle. I called Westlake again on XX/XX/XXXX and they said they didnt see any complaint filed on my account but that I could email the same address asking if they received my information yet, so I did. After still not receiving any acknowledgment of my complaint, I called again on XX/XX/XXXX where I was given a completely different email to contact their fraud audit team ( XXXX ) and find a resolution- they told me that there were currently no claims on my account whatsoever. I was sending all of my information, claims, and personal info to some random email. I am afraid to know what happened to my personal information that is all over those documents. I sent the fraud audit team an email with all of my supporting documents and inspections. On XX/XX/XXXX I received a phone call from a XXXX XXXX, she told me that they were unable to click the links in my documents due to security purposes and asked if I could resend them as attachments, so I did. I called Westlake again on XX/XX/XXXX to check in on the claim. I spoke with XXXX XXXX XXXX, who told me that due to the diagnostic report not showing any concerns with the engine or transmission, the fraud audit team had determined they were unable to move forward with my claim. I told them i couldnt believe that with all of the evidence of misrepresentation that had been committed against both of us, they wouldnt move forward with trying to come to an amicable resolution. He got off the phone with me to speak to his supervisor XXXX XXXX, who agreed that there was nothing they could do. XXXX XXXX asked me if I had asked the dealership if they would rescind the contract and take back the vehicle. I told him that I had, and they had refused. He said there was nothing more they could do. At this point I am upset and dont understand why the bank will not reasonably acknowledge my claim. I called Westlake again on the evening of XX/XX/XXXX and asked to speak to someone about my issue. I told XXXX XXXX that there was mention on both inspection reports about concerns with the transmission, why had their fraud audit team ignored this information. During this phone call, XXXX XXXX admitted that his company does not care if the dealership lied about any part of the vehicle when they were presenting it for financing, they only care if the dealership lied about the engine and the transmission. He said he would connect us with a supervisor, put us on hold, then transferred our call to the automated response and options menu for XXXX XXXX XXXX. This is extremely unprofessional and created a significant amount of distrust with the bank that is handling my sensitive information and auto loan. I hung up and redialed Westlakes phone number. This time we were connected with XXXX XXXX. During this phone call I found out that not once have I spoken with anyone who works for Westlake Financial Services. I have been speaking with representatives of the XXXX XXXX that is hired in the XXXX and XXXX to field phone calls for Westlake. I am concerned about what will happen to my personal information that I have to repeatedly tell all of these people each time I call and how will I know my information is being protected. I asked if I could speak to someone that was an actual representative of the bank so that I could give them the opportunity to respond to my claim and make an honest decision in regards to my account. He said he had to check with his supervisor to see if he was authorized to give us the phone number for the customer litigation department. He put us on hold then came back and said he had authorization and said we should call. I called this number and they told me that they can not see any information on my account because there is no active litigation on my account. Why was I even directed to call them? I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX to ask about the vehicles fraud audit claim. I told her that they told me they wouldn't pursue further because there is no mention of transmission or engine problems but I pointed out to her that on both XXXX XXXX and XXXX XXXX 's inspection reports they make mention of loud clunking noises and transmission hoses that need to be addressed. She said since it does not specifically say that either needs to be replaced, it is not worth pursuing. I told her that we never specifically asked either location to do a full diagnostic on the transmission or engine since there were so many other issues, and that I can go ahead and schedule that to be done tomorrow. She said that our loan was active for thirty days ending today so if I got any inspection done, it wouldn't matter. They only accept documents that are dated before the 30 day deadline. I am confident they only told me at the end that they had a deadline because Westlake did not want to give me the opportunity to cover all of my bases and have a full report to them in time. This is manipulative and withholding valuable information for them to not disclose that I needed all documents to be supplied within 30 days of the loan. During several of my phone calls with the bank, I had my boyfriend present because he is financially involved in this as well. I think it is important to point out that each time I took a phone call with them and stated he was on the line with me, that was when they would tell me that my call may be recorded for safety or training purposes. During none of my other phone calls would they tell me that my call was being recorded. That seems suspicious to me as well.
This vehicle sale and my fight against the fraud and misrepresentation of this sale has caused me great financial difficulty. I dont have a reliable vehicle to make it to work in order to make my car payments, and I am forced to rent a vehicle. I do not have the funds to be able to pursue litigation against this bank but they have told me now that litigation is my only option. I do believe that they misled me with the initially incorrect email and then kept dragging their feet in helping me after that, so that the 30 days would come and go to where contractually I am liable for this vehicle and the dealership can say they are off the hook. Now that the 30 days has passed, I can no longer get any responses from the dealership. The banks paid representatives have told me that they will no longer assist me with anything on my account unless I pursue litigation against Westlake. It is baffling how this bank can tell me they dont care about the fraud that has been committed against them and myself, leading me to believe they are in on it. Somehow they are able to continue to be an accessory to committing fraud and allowing dealerships to provide collateral to them that is not even worth the amount they are financing. This bank is engaging in suspicious behavior with these advertisement agencies and dealerships. Each time I call the bank, their automatic menu has an option to press a number if youre seeking information about financing through XXXX. I believe they are performing business alongside XXXX and these dealerships while knowing full well that their business practices are less than honest. I believe that they are aware that fraudulent advertising is being committed and that vehicle misrepresentation is a standard practice. I think that since the bank was able to get me to accept their high interest rate on the loan, that they dont care about the obvious fraud. Likely they think that due to the amount of money they will make off of my financing, it is better worth their time to not offer me their assistance. I would like the relationship between Westlake, XXXX, and their dishonest car dealerships such as XXXX XXXX XXXX to be called into question.
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| 01/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My name is XXXX XXXX Im XXXX old. I live in XXXX XXXX. I was recently in search of a used vehicle at a reasonable price. The vehicle that I was in at the time belonged to my parents and it was pretty old and not in the best condition. Economically due to the age and mileage the car was costing me more in gas than I would pay if I had a newer more fuel efficient vehicle with less mileage. This lead me to searching locally and even out of state for a vehicle. Due to the high demand, and shortage on these type of cars it made the search a bit difficult. I was pre approved through XXXX XXXX XXXX Westlake Financial. I found a vehicle in XXXX XXXX but before I could send a down payment just to hold the car someone walked into the dealership locally and purchased the vehicle. I kept searching and found another vehicle out of XXXX XXXX at XXXX XXXX XXXX i called and spoke with XXXX XXXX the owner of the dealership. He XXXX me showed me the vehicle and urged that if I wanted the vehicle I should place a deposit to hold it. Given that I had just lost an opportunity at the previous vehicle in XXXX I immediately gave XXXX my XXXX XXXX number to place a {$100.00} down payment to hold the car. After making the payment we made him aware we would be coming from XXXX to pick up the vehicle on Saturday XX/XX/XXXX. On that day we did as planned and rented a vehicle and drove to XXXX to pick up the XXXX XXXX XXXX. We arrived at the dealership test drive the vehicle. Decided to purchase the vehicle despite it not being in perfect condition it was at a decent price and I really need it because I was about to start a 2nd job in a couple a weeks following the purchase of the vehicle. While there and discussing tag & title XXXX said he would have it done by a third party and call us ( my mom and I ) when the person had the tag until the he would place a temporary tag on the vehicle. We left the dealership after about 5-6 hrs with the car and I was so excited. We stayed in an XXXX Saturday given it was really late and back home is a 7hr drive. The next morning we head home & while on the road I realized XXXX never gave me my driver license back so I called but it was Sunday so I didnt get an answer. The following day was very busy and I didnt remember to call back, However on XX/XX/XXXX I called and ask XXXX about my license and he advised me that he accidentally left them on the copier and would mail them immediately along with the paperwork and title for the vehicle. He advised me that he couldnt find a company to title the car so he would send a check for me to be able to pay the county clerk when going to get the title for the car. I agreed that once he sent everything I could get the tag from the clerks office. I waited for weeks and didnt receive anything not even my license. I contacted XXXX back and he said he would get it mailed out. On or around XX/XX/XXXX XXXX delivered the paper work however there was no check included for the tag & title. I then text XXXX and made him aware that I had received the paper work and car title but not the check to get the tag registered with the clerk. He then text me back and said he had held back {$890.00} ( which was included in my total Loan amount ) for the tag & title and for me to pay out of pocket for the tag and title & he would reimburse me. I made XXXX aware that I didnt know what the cost and if I would have the money available to pay out of pocket but would try. I also told XXXX that XXXX XXXX XXXX has been very busy due to staff shortage and tag shortage that its been difficult for XXXX XXXX residents to get tags and titles. At this point Ive started my second job and due to the time needed to wait in line and the process I didnt have because of the new job. The drive out that XXXX placed on the car didnt expire until XX/XX/XXXX. Im the state of XXXX I could legally drive with the tag until XX/XX/XXXX so in my mind Im thinking I can save the money and get the tags before the end of the month. On XX/XX/XXXX my dad came home around XXXX and said he thought I was gone because my car wasnt outside. I thought he was joking. When we both realized neither of us where joking we panicked. I called Westlake being they are my finance company to report that the car was gone and they said they had no idea what could be going on that My loan was in good standing with them and they had no reason to come and get the vehicle and to call the police and insurance company and report it stolen. I ask if there would be any reason for the dealership to have came and get it they advised me no one should have the car but me. I hung up and called XXXX before calling the police here locally and he advises me that he had the car picked up because I hadnt gotten the tag for the car yet. I then say to XXXX how could you do that you dont own the vehicle its financed for me through Westlake Financial and they are the lien holders. I made him aware that was advised by them to call the police because as they are concerned the car was stolen because them nor myself had it in our possession. I told XXXX he stole my carXXXX XXXX at this point says he had the rights to the car and is the lien holder. I then hung up on XXXX and called Westlake Financial back and made them aware of what XXXX had done and they started a Fraud report against his dealership and had me to forward all proof of conversations and paper work related to the tag & title to them. They also said to call the police on XXXX for stealing the vehicle because he had no rights. This was approximately XXXX on XX/XX/XXXX I continued all day to follow up to see what update the fraud department had. There was no update until around XXXX central standard time I received an email from Westlake stating they could no longer speak with me though email about my account. This prompt me to call and was then advised by a representative that XXXX had initiated a dealers buy back on my vehicle and that I would need to contact him. At this point Im furious that XXXX would first illegally repose my vehicle then afterwards the finance company in which my loan was in good standing with would cancel it and sell my vehicle back to XXXX after he illegally and unethically took the car back. I called XXXX on another phone while having the Westlake representative on the other line and he says he didnt initiate the buy back but Westlake after I called and told them he took the car decided to cancel the loan. The Westlake representative said no it was him and that would be who would have to get my loan reinstated. I let her go and continue to speak with XXXX He said it he would contact his Westlake representative and give me a call the next day. The next day XXXX said he wasnt able to get anywhere with everything and would try again the next day. I ask XXXX was there anyway while waiting for this all to be figured out if we could get our belongings out of the car because there where some important things in the vehicle that I really needed to get out of it. He said he would make arrangements. During this period there was a ice storm in TN so we went through the Holiday with XXXX gifts and personal belongings in the vehicle. I contacted XXXX again on it around XX/XX/XXXX attempting to get an update of what was going on with the car and if nothing else to let us get our belongings out as he said he would. He advised me on XX/XX/XXXX and said his wife was in TN and wanted to meet me to pick up the key to the vehicle as well as the title. I told him that would be fine. He said she would come get the key then bring the vehicle to me to get my belongings out. On the morning of XX/XX/XXXX his wife arrived and picked up the key & title. She also ask about the other paper work that was sent with the title. I wasnt home when she picked the items up however advised that the only thing I was releasing was the title & key because I needed all other paper work for legal purposes for myself. Later that afternoon around XXXX I contacted XXXX via text and ask when she would be by with the vehicle. He responded and said she went to the vehicle and was going to get the items herself but it was quite a bit of stuff so she would meet me later that day. I waited around the entire day XXXX never reached back out. The following day I reached back out via and he advised me that his wife returned to XXXX XXXX the day before. Which was the same day they had me waiting thinking she was bringing the car so we could retrieve our belongings. I said this to him and his reply was it was to much for her she was overwhelmed and had did everything she could. He said he would get with the people at the location where the vehicle was being held and make arrangements the next week after the XXXX for us to get our belongings. And he once again said he needed some additional paperwork that I had on the car. I at this point advised XXXX that i have did everything throughout this entire process that hes asked, and that it seems his only intention is to get everything he needs to resell the vehicle and not concerned with me retrieving my belongings or working on fixing the reinstatement issue with Westlake and that Im contacting the police and an attorney
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| 07/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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The issue revolves around the matter of a personal vehicle loan that is held by Westlake Financial Services and myself.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to obtain a payoff amount which was given by their automated system and a customer service representative. The amount given was {$9400.00} by the automated system, the customer service representative and online through my account portal.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to confirm the payoff amount before proceeding to my personal institution to obtain a bank check. The amount given was {$9400.00} by the automated system, the customer service representative and online through my account portal on this date.
The payoff amount was sent in the form of two ( 2 ) checks. The first in the amount of {$480.00}, the second check in the amount of {$8900.00}, equaling to the given payoff amount of {$9400.00}. The checks were accompanied by a letter identifying myself, my account, my vehicle and the purpose of the payments. The following mentioned items were sent to Wells Fargo Lockbox LBX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX via USPS 2-Day Priority Mail ( Tracking # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX , 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to confirm receipt of the payment as USPS notified me that the package was indeed delivered on XXXX XXXX, 2017. During this phone call, I was told that there was no way to confirm that the package had arrived being that the accounting department was in charge of receiving payments. I was told that I nor anyone within the company could contact the accounting department. During this time the customer service agent informed me that I did not send enough for the payoff amount and that I should have been given a 10 day off amount, which was not given to me at any time. She informed me that I was wrong and informed me that I could see the 10 day payoff amount in my online account information, which you can not, and when she returned from placing me on a brief hold to locate this information after asking her to direct me to this information online, she returned to the call and completely negated the fact of her previous statements being incorrect due to the fact she unable to directed to a " 10 day payoff amount ''.
XXXX XXXX, 2017 : The check for the amount of {$480.00} was posted to my account with Westlake Financial Services. After reviewing this information on my online account Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. During this call, I was informed that the check had yet to be posted and to call back the following day.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. During this call, I was told the check was pending.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. I was then told the check was pending and to allow 5-7 business days. At the time of the call, Westlake Financial Services had the check for 3 business days - my concern stemmed from the fact that it was such a large amount and no could give me a definite answer.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. Westlake Financial Services asked if I could give the process a few more days, which was granted.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. At the time of this call, Westlake Financial Services had the check for 7 business days. During this call, I was asked to allow additional time for the check to process.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. During this call, I was told the check could not be located. This completely contradicted everything I been told during previous conversations with Westlake Financial Services. A search of payment was initiated in the system by the customer service representative.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the status of the additional check of {$8900.00}. Due to this date being a national holiday, their offices were closed.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to speak with a supervisor due to all the contradicting information I had been told regarding the check, and that Westlake Finacial Services posted the check as if it were received on XXXX XXXX, 2017 -- which is not factual. The amount sent in on XXXX XXXX, 2017 received XXXX XXXX, 2017 should have satisfied the payoff amount and account should have incurred no additional interest and no additional payment due.
During this call, the Supervisor listened to my issue and said that he would have to go back and listen to my call because the customer service representative should have informed me of the 10-day payoff amount. I alerted the Supervisor, XXXX, that I did get not get said information from anyone. He instructed me to call back 3 hours later that day to get an update.
Three hours later, I contacted XXXX, a Supervisor with Westlake Financial Services and he informed me that he listened to a call that the representative did, in fact, inform me of this 10-day payoff amount. Which is not factual because at no time during the phone calls initiated on XXXX XXXX, 2017 or XXXX XXXX, 2017 was I ever informed of a 10-day payoff amount. He then said it was out of his discretion if the amount could be adjusted and he would have to send an email to his supervisor who would make that decision. XXXX then instructed me to call back before the end of the day to see if his Supervisor responded to the email.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to contact the supervisor, XXXX, regarding a follow-up from the email to his head supervisor which had yet to make a response. No response to the email was provided, yet.
XXXX XXXX, 2017 : Westlake Financial Services was contacted by myself, via phone at the provided number of XXXX to get an update on the current standing of my account. I yet again explained the situation to a customer service representative who then spoke with her supervisor while placing me on a brief hold. After returning from the hold she then informed me that the original supervisor, XXXX, who I was speaking to earlier this month attempted to contact me on XXXX XXXX, 2017 but there was no answer, as you see in the call logs provided directly from my cellular device company, XXXX, there was no call from Westlake Financial Services on XXXX XXXX, 2017. The customer service agent informed that there was an emailed response to my situation but this was not able to be communicated from this supervisor directly and would only be conveyed by XXXX, who was out of the office today.
My issue with Westlake Financial Services are : 1. This financial institution could not contact their own accounting department to confirm receipt of payment.
2. This financial institution held a check longer than the standard 5-7 business days.
3. This financial institution posted inaccurate information in regards to when the check was received.
4. This financial institution gives contradicting information during every phone call had with Westlake Financial Services.
5. Westlake Financial Services Customer Service Department states that they notate your account one day with information but then when a follow-up call is made they claim there are no notations and then when the next day, the notations reappear.
6. Westlake Financial Services gave me the runaround from stating that the check was pending, then processing, then pending, then could n't be found, and lastly posted with inaccurate information.
This is has caused a great deal of emotional stress, grief, XXXX, and loss wages due to the time it 's taken to contact Westlake Financial Services repetitively towards this matter.
Attached to this complaint : 1. Proof of Mailing w/ Tracking Number 1b. Copy of Receipt of {$8900.00} Check 1c. Copy of Receipt of {$480.00} Check 4. Call Logs to Show Proof of Calls and Show No Incoming Call on XXXX XXXX, 2017 from Westlake Financial Services Supervisor XXXX 5. Copy of Letter Sent along with Checks
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| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX I ( XXXX XXXX ) went to XXXX XXXX at XXXX XXXX XXXX, XXXX, Maryland XXXX to purchase a used vehicle with my co-signer XXXX XXXX XXXX of XXXX XXXX, Maryland. The salesman, XXXX ( XXXX XXXX ) handled the sale and paperwork. Mr. XXXX, herein XXXX, told Mr. XXXX and myself the lender will not do the loan for the car if I did not change my auto insurance to XXXX. I paid a down payment of {$2000.00} to XXXX XXXX for a XXXX XXXX XXXX. XXXX told us the loan was approved and to call the lender ( XXXX XXXX XXXX ) for a phone interview in the morning. I was told I had seven ( 7 ) days to return the car. He gave me the keys and I drove away.
On XX/XX/XXXX I canceled my auto coverage with XXXX XXXX XXXX and changed to XXXX with representatives from both companies on the phone. I told the XXXX Representative the car dealer 's lending company would not approve my loan unless I changed my current auto insurance to XXXX. The XXXX Representative was appalled, and too was the XXXX Representative, to hear the lenders conditions and warned me to be careful. XXXX texted me from XXXX XXXX XXXX XXXX multiple times asking me to get in touch with the bank, namely XXXX with Western Funding Inc. on XXXX XXXX XXXX XXXX. XXXX asked me to bring him a color copy of the front and back of my social security card along with a copy of the XXXX Insurance card. I took him a color copy of only the front of my social security card and emailed him a copy of my insurance card. All of the paperwork for the transaction reflected Western Funding Inc. as the lender with multiple addresses ( XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX. XXXX called me repeatedly asking me to comply with Western Funding and his manager ( XXXX ) called me to fill out a SSA-89 form authorizing the Social Security Administration to release my social security number for verification while still requesting color copies of the front and back of my social security card and color copy of my drivers license. I spoke with a Western Funding rep. ( XXXX ) and told her I submitted copies to the dealer and did not feel comfortable sending color copies of my identification front and back. I took the car to XXXX XXXX XXXX XXXX XXXX, XXXX, Md. XXXX because the engine light was on. I paid {$81.00} for an oil change and air filter and told by a XXXX XXXX mechanic to have the fuel system cleaned and replace the brake fluid.
XX/XX/XXXX I gave my old car to charity ( XXXX XXXX ). While I was driving with my God-daughter ( XXXX XXXX ) and her children of XXXX years old, XXXX years old and XXXX XXXX the passenger door in the rear flew open and the baby with the car seat ( secured into place and belted ) fell out of the car dangling by the seat belt. Now the baby is traumatized. She screams and cries and begs not to go because she's afraid to ride in any car now. I learned there was a recall on the XXXX XXXX XXXX that was life threatening. The doors could open while the vehicle is in motion. I called the XXXX XXXX right away and told them of the incident. XXXX instructed me to take the vehicle to my nearest XXXX dealer. I also told them about after I parked the car, turned off all of the electronics and removed the key, got out and locked the doors ; 10-20 minutes later I went outside to hear that the car was running. I put the key into the ignition, turned it to on position then back to off and the car shut off. XXXX Customer Service asked me for the VIN saying, according to the VIN that recall was fixed on XX/XX/XXXX and to have it diagnosed or repaired would be my expense. I called XXXX XXXX and told them I had to put the vehicle in the shop for recall issues and told them about the terrifying event of the baby falling out of the car. I spoke to the Manager at XXXX XXXX ( XXXX ) who was upset that I took the car in to be repaired. I asked him if he knew about the recalls and how could he sale me a death trap. He said The recall is not on me, it's on the owner and you should not have taken it there now I won't get my money. I'm trying to help you you have to give the bank what they need so that I can get my money. It stressed me out to the point of passing out in the tub and ending up in the hospital ( XXXX Mt. XXXX, XXXX ) until being released on XX/XX/XXXX.
XX/XX/XXXX - I took the vehicle to XXXX XXXX at XXXX XXXX XXXX, XXXX, MD. XXXX where XXXX XXXX performed the necessary repairs for the recall issue. Mr. XXXX told me it would be at least a couple of days to have it done. An email request came from XXXX XXXX XXXX Tel : XXXX XXXX XXXX XXXX via email to sign a SSA release form. The company name on the XXXX release form is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, with an odd request to return the form via reply to the email only. XXXX and XXXX called me repeatedly throughout the day to urge me to comply with the bank. Before calling Western Funding I called the Consumer Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General for advise. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who said file complaints with FTC, XXXX XXXX and to get back with him as the transaction seems to be identity theft. He emailed me the links to file my complaints against the dealer and Western Funding Inc. I got a call from Mr. XXXX XXXX of Western Funding to do a telephone interview. As I was speaking with MrXXXX XXXX, XXXX from XXXX XXXX called. Mr. XXXX overheard XXXX tell me Don't tell the bank you don't have possession of the car they won't give me my money. I know how banks work I've been doing this for a long time. Just sign the form and send them what they need so I can get my money and close the deal! I told XXXX I was on the phone with XXXX of Western Funding and that he heard what he said to me. His reply was I didn't do anything wrong. Go on and talk to him and let me know what he said. When I hung up from XXXX 's call to my home phone I went back to the call from XXXX on my cell phone. I asked XXXX if he heard what the dealer said. I also asked him about his company not lending to me unless I went with XXXX and he brushed it off. Mr. XXXX instructed me to call back the following day if I was in possession of the vehicle or as soon as I had it in my possession.
XX/XX/XXXX XXXX XXXX and myself were on the phone with XXXX XXXX and XXXX XXXX throughout the day, trying to resolve the matter at hand. After making 12 calls to XXXX XXXX and leaving over 5 messages, I thought it would be best to call them when I am in possession of the vehicle.
XX/XX/XXXX - XXXX XXXX of Western Funding called my cell phone at XXXX to complete the telephone interview. I told her about my conversation with XXXX and asked to speak to him. She insisted on handling the call and said XXXX didn't make any notes on your conversation. I told her I would call to see if the car was ready for pick up and return the call to Western once I had possession of it. Mr. XXXX at XXXX XXXX said XXXX has not finalized the repair, but if I needed it right away he would release it to me. When I returned home, I called Western Funding reaching XXXX XXXX who conducted the interview. A few of the questions did not pertain to me at all, only the questions about my birth-date and place, mother 's maiden name last employment had the right answer in their choice of multiple answers. XXXX XXXX instructed me to email picture Identification, bank statements and paycheck stub to XXXX in which I complied, and sent the same information to XXXX XXXX. I called Western to confirm receipt of the form and documents. XXXX with Western Funding told me Your loan was returned to the dealer. You will have to ask the dealer why and if there is nothing else, have a good day. I called XXXX XXXX right away and spoke with XXXX then with XXXX. XXXX said You messed up the deal by talking too much, asking too many questions and not having the car in your possession. I called XXXX XXXX, hysterical and a nervous wreck, I could not believe what was happening. I had Mr. XXXX on the phone along with XXXX, XXXX did not and could not answer any of Mr. XXXX legitimate questions. XXXX ( XXXX XXXX ) told us to bring the car back and that he would give me my down-payment back minus processing fees of {$490.00}. When we got to the XXXX XXXX office, I asked XXXX what was his full name? He laughed and said XXXX. I'm just the salesperson I don't have anything to do with it. I asked for his last name and he reluctantly said XXXX. Oddly enough the check for {$1500.00} was from XXXX XXXX XXXX, dba XXXX XXXX
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| 03/31/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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Ok. I didn't write this. XXXX XXXX did. We aren't asking yall to sign your name. We're asking you to copy it and send it to every single news media outlet in your area. We need to be heard!
Im writing this at this hour because this situation has caused me to lose many nights of sleep.
As you know XXXX XXXX XXXX XXXX XXXX XXXX ) closed its doors in XXXX and recently filed for XXXX XXXX Bankruptcy. This has caused so many problems for so many people, and according to the media, all people have to do is pay Westlake Portfolio Management ( WPM ). Thats what everyone says. Just send them your payments. WELL, its really Not that simple. First of all, WPM is a Collection Agency. Does anyone know what that really means? All of the accounts are in Collections!! Why is that ok? Collection Agencies handle accounts that are delinquent and the original creditor has made all attempts for customers to pay, unavailable and unsuccessful.
A Collection Agency on your credit can cause your credit score to plummet by XXXX points. A Collection Agency on your credit can cause people to Not be hired or Lose a Current Job. A Collection Agency on your credit can prevent a home purchase. Why should the people that were doing business with XXXX have to suffer because they decided to shut the business down? Not only is the Collection Agency issue a problem, but what do they do about warranty issues. WPM has made it clear that they will Not honor any warranty. There are people with their vehicles STUCK in the shop because they were never paid for repairs. They have also told individuals that the term of their car notes is 136 months!! Do you know how many Years 136 months is?? XXXX Would you pay a car note that long?
Another issue is most didnt even know they were leasing their vehicle until all of this happened. Others found out after they paid their deposits. These are people that werent able to get a car loan, and now theyre APPROVED! The excitement about having a nice vehicle with an affordable down payment blinded most of us. Nothing about XXXX said Lease. They were the XXXXXXXX XXXX XXXXXXXX. It was a Buy Here Pay Here Car Lot. What about that says Lease?
I dont know of a vehicle from them worth more than {$15000.00} and to own it will cost at least {$30000.00}. With a lease certain terms that were available. You could turn it in and walk away. You could trade it in for another vehicle. You could make a balloon payment and then begin a purchase. These options werent even known by many of the customers, but now None of those options are available anymore. Theres nowhere to return the vehicle. WPM says they only collect on the debt and even if you return the car, youll still have to pay for it!! There are people with a car and No Paperwork. They have Nothing saying they even have a vehicle from XXXX. Nothing! They cant even register the vehicle! WPM doesnt have anything on them!! They just have a vehicle they cant do anything with, not even operate legally!! Just pay yall say.
Theres not even a guarantee that WPM even had the titles. Have you even looked at the reviews?? Horrible! People are waiting for titles long after paying for their vehicles. I know of someone that had their vehicle totaled and cant do anything with the check from the insurance company because XXXX is on it and WPM doesnt have her account!! Now she has No vehicle and a check that might as well be a piece of blank paper. Just pay the yall say!
WPM says they dont need to issue any new contracts because theyre honoring the original contract. How is that when theyve canceled the warranty, changed the terms of the payments, removed the lease options, dont have titles, and dont even have everyones account!! Just pay yall say.
Would you pay? What about the rights of the consumer? We are aware that to yall were nobody. Nothing. I mean we couldnt even purchase a car at a regular lot. We didnt even know we were leasing. We made a down payment before signing paperwork ( that locked us into the lease without even knowing that was what it was ) We cant even find an attorney that will listen to us because whos going to pay them? XXXX is bankruptcy and the business has been dissolved. We want you to know that We are Not a bunch of Nobodys. We Matter. We have Rights as consumers! We have a Voice! We Demand to be heard!!
WPM has made hard inquiries on peoples credit without any consent!! They have automatically deducted payments on bank accounts without permission!! They harass people by calling several times a day from different numbers!! They dont care about how they speak to people!! They even hang up or yell over people. They arent even supposed to officially take over until XXXX XXXX. ( According to an interview with the XXXX ) The law states that they have to send out a verification letter within 5 days of contact, and they didnt. They cant even validate the debt!! Theyre asking people to send them their original contracts!! Pay them YALL say! Why should they pay them??
There are so many things that have been done illegally! People have cars in other peoples name that they didnt know about. People have vehicles with VINs different than their paperwork. People have accident reports on their insurance since theyve had the vehicles that they did didnt make or know about. Pay them YALL say!!! WPM is a debt collection agency and most of the people werent even delinquent!! Tell us again that we should just shut up and pay.
People are scared. People are stressed to the max. Why pay again? Because they bought the information? What about XXXX filing bankruptcy followed by XXXX XXXX XXXX Are our vehicles part of the bankruptcy? Are they listed as assets? Should ANYONE be collecting while the bankruptcy is in process? Who do we have in our corner? Who cares about us?
They had over 40 dealerships in 10 states! Do you know how many customers that is? Thousands!! What about us? Some people have already paid $ XXXX into their car already for a car worth {$7000.00}, and they still have more than {$15000.00} to go. They dont want to lose their only means of transportation, but at what cost? We were preyed upon and now were been preyed upon by a different company and thrown away by the rest of the world as if were trash!! Just pay YALL say.
We say NO!!! Since WPM has only some of our information, what about the rest of the accounts? Who has them? We Demand proof that we can get our titles once the vehicles paid off. We Demand Validation of the Debts? Are they ( WPM ) even licensed to collect in the states we all live in? We Demand a new contract with terms that they plan on adhering to!! We want to be turned over to a finance company for negotiations. We want WPM off of our credit reports completely and all collection activity stopped immediately! We want attorneys to work with us to ensure all if our rights are observed and that WPM be made to stop. They are harassing people and pressuring them to pay a debt they legally cant collect on right now. We dealt with enough from XXXX, we refuse to go from a bad company to the worst company. WE DEMAND THAT OUR VOICES BE HEARD!!!! WE WONT BACK DOWN!!! Why not take some time to actually investigate this matter instead of telling us to JUST PAY WPM! HELP US! PLEASE!!! We can be contacted via XXXX under XXXX XXXX XXXX Customers. Join us and read our stories. See for yourself what this situation is doing to Thousands of people that have been thrown into the lions den. We are Not trying to get a free car!! We just want to be treated fairly and justly, and be taken seriously. We are willing to pay a reasonable amount to a finance company under a new contract, or to the bankruptcy courts for the blue book value of the vehicles. Thank you for taking the time to hear me out. I hope that we hear from you soon.
Signed A Human Being With Rights P.S This letter will be sent to every news station in every city that XXXX operates in, and we will send this and other letters weekly until we are taken seriously.
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| 04/05/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Im writing this at this hour because this situation has caused me to lose many nights of sleep.
As you know XXXX XXXX XXXX XXXX XXXX XXXX ) closed its doors in XXXX and recently filed for XXXX XXXX Bankruptcy. This has caused so many problems for so many people, and according to the media, all people have to do is pay Westlake Portfolio Management ( WPM ). Thats what everyone says. Just send them your payments. WELL, its really Not that simple. First of all, WPM is a Collection Agency. Does anyone know what that really means? All of the accounts are in Collections! Why is that ok? Collection Agencies handle accounts that are delinquent and the original creditor has made all attempts for customers to pay, unavailable and unsuccessful.
A Collection Agency on your credit can cause your credit score to plummet by XXXX XXXX. A Collection Agency on your credit can cause people to Not be hired or Lose a Current Job. A Collection Agency on your credit can prevent a home purchase. Why should the people that were doing business with XXXX have to suffer because they decided to shut the business down? Not only is the Collection Agency issue a problem, but what do they do about warranty issues. WPM has made it clear that they will Not honor any warranty. There are people with their vehicles STUCK in the shop because they were never paid for repairs. They have also told individuals that the term of their car notes is 136 months! Do you know how many Years 136 months is? XXXX Would you pay a car note that long? Another issue is most didnt even know they were leasing their vehicle until all of this happened. Others found out after they paid their deposits. These are people that werent able to get a car loan, and now theyre APPROVED! The excitement about having a nice vehicle with an affordable down payment blinded most of us. Nothing about XXXX said Lease. They were the King of Credit. It was a Buy Here Pay Here Car Lot. What about that says Lease?
I dont know of a vehicle from them worth more than {$15000.00} and to own it will cost at least {$30000.00}. With a lease certain terms that were available. You could turn it in and walk away. You could trade it in for another vehicle. You could make a balloon payment and then begin a purchase. These options werent even known by many of the customers, but now None of those options are available anymore. Theres nowhere to return the vehicle. WPM says they only collect on the debt and even if you return the car, youll still have to pay for it! There are people with a car and No Paperwork. They have Nothing saying they even have a vehicle from XXXX. Nothing! They cant even register the vehicle! WPM doesnt have anything on them! They just have a vehicle they cant do anything with, not even operate legally! Just pay yall say. There's not even a guarantee that WPM even had the titles. Have you even looked at the reviews? Horrible! People are waiting for titles long after paying for their vehicles. I know of someone that had their vehicle totaled and cant do anything with the check from the insurance company because XXXX is on it and WPM doesnt have her account! Now she has No vehicle and a check that might as well be a piece of blank paper. Just pay the yall say!
WPM says they dont need to issue any new contracts because theyre honoring the original contract. How is that when theyve canceled the warranty, changed the terms of the payments, removed the lease options, dont have titles, and dont even have everyones account! Just pay yall say. Would you pay? What about the rights of the consumer? We are aware that to yall were nobody. Nothing. I mean we couldnt even purchase a car at a regular lot. We didnt even know we were leasing. We made a down payment before signing paperwork ( that locked us into the lease without even knowing that was what it was ) We cant even find an attorney that will listen to us because whos going to pay them? XXXX is bankruptcy and the business has been dissolved. We want you to know that We are Not a bunch of Nobodys. We Matter. We have Rights as consumers! We have a Voice! We Demand to be heard!
WPM has made hard inquiries on peoples credit without any consent! They have automatically deducted payments on bank accounts without permission! They harass people by calling several times a day from different numbers! They dont care about how they speak to people! They even hang up or yell over people. They arent even supposed to officially take over until XX/XX/XXXX. ( According to an interview with the XXXX ) The law states that they have to send out a verification letter within 5 days of contact, and they didnt. They cant even validate the debt! Theyre asking people to send them their original contracts! Pay them YALL say! Why should they pay them? There are so many things that have been done illegally! People have cars in other peoples name that they didnt know about. People have vehicles with VINs different than their paperwork. People have accident reports on their insurance since theyve had the vehicles that they did didnt make or know about. Pay them YALL say! WPM is a debt collection agency and most of the people werent even delinquent! Tell us again that we should just shut up and pay.
People are scared. People are stressed to the max. Why pay again? Because they bought the information? What about XXXX filing bankruptcy followed by XXXX XXXX XXXX Are our vehicles part of the bankruptcy? Are they listed as assets? Should ANYONE be collecting while the bankruptcy is in process? Who do we have in our corner? Who cares about us?
They had over 40 dealerships in 10 states! Do you know how many customers that is? Thousands! What about us? Some people have already paid $ XXXX into their car already for a car worth {$7000.00}, and they still have more than {$15000.00} to go. They dont want to lose their only means of transportation, but at what cost? We were preyed upon and now were been preyed upon by a different company and thrown away by the rest of the world as if were trash! Just pay YALL say. We say NO! Since WPM has only some of our information, what about the rest of the accounts? Who has them? We Demand proof that we can get our titles once the vehicles paid off. We Demand Validation of the Debts? Are they ( WPM ) even licensed to collect in the states we all live in? We Demand a new contract with terms that they plan on adhering to! We want to be turned over to a finance company for negotiations. We want WPM off of our credit reports completely and all collection activity stopped immediately! We want attorneys to work with us to ensure all if our rights are observed and that WPM be made to stop. They are harassing people and pressuring them to pay a debt they legally cant collect on right now. We dealt with enough from XXXX, we refuse to go from a bad company to the worst company. WE DEMAND THAT OUR VOICES BE HEARD! WE WONT BACK DOWN! Why not take some time to actually investigate this matter instead of telling us to JUST PAY WPM! HELP US! PLEASE! We can be contacted via XXXX under XXXX XXXX XXXX XXXX. Join us and read our stories. See for yourself what this situation is doing to Thousands of people that have been thrown into the lions den. We are Not trying to get a free car! We just want to be treated fairly and justly, and be taken seriously. We are willing to pay a reasonable amount to a finance company under a new contract, or to the bankruptcy courts for the blue book value of the vehicles. Thank you for taking the time to hear me out. I hope that we hear from you soon.
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| 02/23/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. 1. Identity Theft WESTLAKE FINANCIAL SVC Account Number : XXXX** This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 04/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. WESTLAKE SERVICE INC bal. $ {$16000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 07/31/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I entered into a consumer credit transaction with XXXX XXXX & WESTLAKE FINANCIAL. This consumer credit transaction that took place there was a finance charge that was involved Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. XXXX XXXX & WESTLAKE FINANCIAL made me make a down payment and comparable cash transactions In this consumer credit transaction which Violates Title 15 USC 1605. XXXX XXXX & WESTLAKE FINANCIAL owes me double the financed charge Pursuant to Title 15 USC 1640. Im coming as the CONSUMER pursuant to Title 12 u.s.c 5481 ( 4 ), NATURAL PERSON pursuant to Title 15 USC 1602i, & ORIGINAL CREDITOR Pursuant to Title 15 USC 1602g. I came with my credit card Pursuant to Title 15 USC 1602l & my signature. Im the Original creditor & granted XXXX XXXX & WESTLAKE FINANCIAL the right to extend me credit Pursuant to Title 15 u.s.c 1602f ( the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). Their should have been no down payment in this consumer credit transaction Pursuant to Title 15 USC 1605. No comparable cash transactions in this consumer credit transaction Pursuant To Title 15 USC 1605. There should have be no Lien or Security interest on my vehicle. Im coming as the ORIGINAL CREDITOR. Life and accident insurance premiums should have also been included in finance charge Pursuant to Title 15 USC 1605b.
Pursuant to Title 15 USC 1692, Congress has concluded that several companies, including yo
urs, use abusive, deceptive and unfair debt collection practices.
Pursuant to Title 15 USC 1692a ( 3 ), I am a Consumer. A consumer is defined as any natural person obligated or ALLEGEDLY obligated to pay any debt.
Pursuant to Title 15 USC 1692a ( 4 ), I am the original creditor of this account. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. I am the natural person who extended my credit and created a debt upon signature on your deceptive credit card application.
Pursuant to Title 15 USC 1692a ( 5 ), XXXX XXXX & WESTLAKE FINANCIAL is a debt collector. The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
This unverified, alleged debt has been derived from fraud. Full disclosure was not given at the time the agreement was signed which prevented me from making an informed use of my credit pursuant to Title 15 USC 1601 ( a ).
XXXX XXXX & WESTLAKE FINANCIAL failed to provide full disclosure because they did not inform me that the credit is created by the signature of the original creditor. They fail to inform the original creditor that the instrument of alleged indebtedness is actually recorded as an asset and an account payable in their hidden liability ledger.
XXXX XXXX & WESTLAKE FINANCIAL has failed to convey to me that my account can be securitized, placed in trust and sold on the securities market. This has resulted in Theft by conversion which is a criminal offense. My private personal information was used to fund a public trust and used for the benefit of XXXX XXXX & WESTLAKE FINANCIAL.
The Communications from XXXX XXXX & WESTLAKE FINANCIAL in regards to this unverified, alleged debt have contained several violations of my rights as a consumer. There has been verbiage that is false, and misleading, with intentions to harass and abuse my name, character and reputation.
XXXX XXXX & WESTLAKE FINANCIAL has repeatedly contacted me by mail with the intention to harass, and cause stress and mental anguish.
Among many discrepancies are the use of the words account and payment, or loan has been clearly defined by your company. Title 15 USC defines them as : 15 U.S. Code 1693a defines the term account as a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; Please explain to me what type of account I have with XXXX XXXX & WESTLAKE FINANCIAL. It clearly defines an account as any asset account other than a credit balance in an open end credit plan, which it is my belief that I opened with XXXX XXXX & WESTLAKE FINANCIAL.
15 U.S. Code 78m defines the term Payment as ( 1 ) Definitions In this subsection ( A ) the term commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; ( B ) the term foreign government means a foreign government, a department, agency, or instrumentality of a foreign government, or a company owned by a foreign government, as determined by the Commission ; ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; ( D ) the term resource extraction issuer means an issuer that ( i ) is required to file an annual report with the Commission ; and ( ii ) engages in the commercial development of oil, natural gas, or minerals ; NO where in this definition is there a mention of Money OR USD OR Federal Reserve Notes that you are requesting for payment. Please provide me with documentation or another form of payment in accordance with the definition above that conforms to Article 1, section 10 of the U.S. Constitution.
Pursuant to Title 15 USC 1692k, Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure ; In the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.
I DEMAND WESTLAKE FINANCIAL send all payments back to me Pursuant to Title 15 USC 1692h
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| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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WEST LAKE FINANCIAL is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( WEST LAKE FINANCIAL ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. WEST LAKE FINANCIAL can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from WEST LAKE FINANCIAL for the cancelled debt of { {$4400.00} } in order to file as ordinary income. Where is my 1099-C WEST LAKE FINANCIAL is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! WEST LAKE FINANCIAL has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WEST LAKE FINANCIAL terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of WEST LAKE FINANCIAL nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
WEST LAKE FINANCIAL must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consum
er account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Westlake illegally charged a downpayment and advertised for the downpayment through a third party representing Westlake Services , LLC. I paid a down payment of {$1000.00} that was a factor in getting the extension of credit. This was advertised to me which is against 15 U.S.C. 1662 which states you are not allowed to advertise for the down payment either directly or indirectly to the consumer for the extension of credit. Also Westlake did not charge the correct finance charge, they did not disclose all that the finance charge consisted of, they did not inform me of how they came up with the interest rate. The finance charge is the sum of ALL charges, are you not supposed to charge an additional cash payment, which they asked for {$1000.00} cash from me.
It says in 15 U.S.C. 1605 the finance charge is the sum of ALL charges, and full disclosure is required on how it was computed clearly and conspicuously for me to understand. The law states the XXXX is to be calculated and disclosed a certain way? My loan documents ( extension of credit paperwork ), my billing statements, or the online portal does not state how Westlake came up with the XXXX, how the XXXX or XXXX charge is calculated, or what my finance charges are, or any computations or criteria used in determining the XXXX or finance charge. It is not clear and conspicuous so I can understand it. I do not know how Westlake determined this amount and do not understand why I am being charged this amount. I also do not understand what the finance charge is or how Westlake came up it.
The federal law states a separate document is required from Westlake informing the consumer in bold writing that stands out from the rest of the extension of credit documents that Westlake requires the consumer to carry any insurance or it is required that this be included in the finance charge, yet Westlake has never carried and paid for the auto insurance for the truck since the beginning of the loan. Westlake does require state minimums of liability insurance to be carried on the truck. If Westlake requires the consumer to pay for the insurance it must be stated clearly and conspicuously to the consumer if insurance is a factor to get the extension of credit which it a factor. When I received the extension of credit, I was required to have insurance for this truck purchase I was getting the extension of credit for but it was not disclosed to me.
Westlake never sent me a disclosure of my right of rescission. I understand that Westlake is required to give me my right of rescission clearly and conspicuously disclosed at the time of the transaction and after you are to send me any appropriate forms, the obligor, to exercise my right to rescind any transaction. 15 U.S. Code 1635 Definition of finance charge according to 15 U.S.C. 1632 ( a ) : Information required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction.
The penalty for a finance charge is double the amount of the finance charge.
Westlake has also quit sending paper statements yet I did not opt out of paper statements. This is a violation of my rights to receive a paper statement in the mail and be informed through the mails of any obligations I may have as well as the information Westlake is required to disclose to me monthly or periodically.
Westlake Services , LLC 's online portal or monthly billing statements neither show the finance charges or the XXXX they are charging at all in any form and only a total amount I am to pay every month? Westlakes online portal does not give me any information on my payment terms and calculations or info on my loan, XXXX, or how much interest I have paid or am currently paying.This is very confusing and misleading because I do not know what I am being asked to pay for. Especially since the original loan documents do not state what I am paying either. This is a lack of full disclosure as well as diseptive practices and fraud.
According to 15 USC 1606 ( a ) Annual percentage rate defined : Theannual percentage rateapplicable to any extension of consumercreditshall be determined, in accordance with the regulations of theBureau.
Unfortunately I am unable to know how Westlake determined my Anual Percentage Rate in accordance with the regulations of the Bureau, because it was not disclosed to me in either the initial contract received by Westlake, the online portal, or monthly billing statements.
I am wanting to work with Westlake Financial Services to solve these billing error and deceptive practices. I am asking for reimbursement for what I paid in excess of what the law allows in the finance charge and correction of my bill to have the finance charge be the sum of ALL charges with reimbursement of my cash payment that was required of me in addition to the finance charge of {$1000.00}. According to my paperwork that I received from Westlake the day I was approved for the extension of credit, it states my total finance charges are {$4000.00} which I have already paid in excess of. This should cover ALL charges and I should no longer owe Westlake any of my money from this point forward with release of the security interest of my property, a XXXX XXXX XXXXXXXX XXXX Quad Cab Pickup. All billing errors should be corrected including a refund of my money paid in excess of the finance charge.
According to 15 USC 1607, ( e ) ( 1 ) in cases where anannual percentage rateor finance charge was inaccurately disclosed, shall notify the creditor of such disclosure error and is authorised in accordance with the provisions of this subsection to require the creditor to make an adjustment to the account of XXXX whom credit was extended, to assure that suchpersonwill not be required to pay a finance charge in excess of the finance charge actually disclosed or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower.
I would like the insurance that was required by Westlake for the extension of credit to be paid by Westlake since it should have been included in the finance charge.
I tried to settle this matter reasonably with Westlake. I mailed them a letter certified mail return receipt which they never responded.
|
| 11/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In XX/XX/XXXX, I was searching for a reliable used vehicle to purchase. Because I did not have a strong credit history, I knew my choices were limited to buy-here-pay-here car lots. I searched online and came across advertisements for U.S. Auto Sales in XXXX, GA. I completed the prequalification online and was told I was approved for any vehicle up to {$24000.00}. I selected a car, paid {$500.00} over the phone to hold the car ( the dealership told me this was not optional ), and on XX/XX/XXXX went to the physical location to complete the purchase. I opted to add the 2-year warranty on at signing. This made the monthly payment higher than I was comfortable with so I paid an additional {$800.00} cash down to bring the monthly payment down to a manageable amount. I was given no paperwork at the dealership that day. I was told copies of what I signed would be emailed to me. The only piece of paper I was given was an advertisement for referring someone to their dealership.
I did receive an email from XXXX XXXX at U.S. Auto Sales with the subject line Completed : U.S. Auto Sales Documents for your DocuSign Signature. The email stated all parties had signed electronically and also said to note the marked changes made. The markup history showed page 2 and page 22 had values that were changed. These changes were timestamped XXXX XXXX. I was not at the location at the time these changes were made- the business closed at XXXX XXXX and I left well before then. Upon clicking the link to view the documents, I received an error message advising me an access code was required to view them. Because I wasnt given an access code, I was denied access and prompted to contact the send of the documents, XXXX XXXX. I emailed XXXX XXXX and included a screenshot of the error I was receiving. XXXX XXXX never responded. I called the location the next day and no one answered. I called the following day and spoke to a salesman who stated XXXX XXXX wasnt available and you dont really need that paperwork anyway. I reached out to U.S. Auto Servicing ( headquarters I was told ) and explained in the state of Georgia I was legally entitled to receive a copy of the bill of sale, finance agreement, odometer disclosure, and buyers guide at the time of purchase but had not been given anything to date. Servicing told me they did not see anything in their system regarding my purchase at all, but would look into the matter and reach back out to me. I never heard back from Servicing about the missing documents but did receive an email on XX/XX/XXXX at XXXX advising all U.S. Auto accounts were transferred to Westlake Portfolio Management , LLC effective XX/XX/XXXX.
I received no communication from Westlake Portfolio Management regarding the account until a statement came in the mail on XX/XX/XXXX. I sent an email to Westlake the same day explaining I never received my paperwork from the dealership. I requested Westlake to send me the documents as well as the service warranty contract I added on at signing because the car was already in need of repairs. Westlake responded on XX/XX/XXXX advising they would send the documents as soon as they had them in their possession. They also stated they would not be assisting with any repairs and the warranty I paid extra to add on was no longer valid. I received no further communications from Westlake so on XX/XX/XXXX, I sent a second email to Westlake requesting the same documents. After receiving no response, I emailed for the third time on XX/XX/XXXX requesting the documents. On XX/XX/XXXX, Westlake emailed the odometer disclosure and bill of sale. The finance contract was not included. I replied and again asked for the financial agreement contract as well as my payment history since the Westlake portal showed no payment had been made at all. I never received a response, so I called Westlake and spoke to a representative who advised me they did not have a copy of the finance installment contract, showed I had made no payments towards the vehicle, and when questioned about the warranty advised the warranty was invalid and I would not be receiving a refund for the money I paid to add it on. I again explained to the representative that by law, I should have been provided a copy of the finance agreement at signing. I further explained the reason I wanted a copy was because the amount I was told it would be at the dealership was different than the amount Westlake was charging me. I was told {$390.00} at signing. Westlakes customer portal showed my monthly payment was {$430.00}, but reported to the credit bureaus the monthly payment was {$190.00}. Due to the differences, I wanted a copy of the finance agreement. The representative told me she didnt see a copy in my file, but they were still receiving documents from U.S. Auto and told me to give them some time to find it. No further communication was received from Westlake.
On the morning of Friday XX/XX/XXXX, I woke up to find my car missing. The car was repossessed in the middle of the night by Westlake. This was unexpected since I live in South Carolina and under South Carolina law, a lienholder must send a Notice of Right to Cure before it can repossess your car. The notice gives you 20 days to catch up on your missed payment. South Carolina law also requires the lienholder to send you a notice of your Right to Redeem the car and a notice of what the lender intends to do with your car. Westlake did not send a Notice of Right to Cure or a notice of my Right to Redeem the car. I called Westlake to find out how to get my belongings out of the car, but was told by the representative she didnt know where the car was taken to because it takes a while for their system to update and to call back the next week. I called the next week and was placed on hold for over an hour before I gave up and disconnected. To this day, I have no idea if the car was sold at auction or if Westlake still has the car. I did not get to collect my belongings from the car. Westlake has not communicated at all regarding the car since they took it but is reporting to my credit report the car was repossessed.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. WESTLAKE FINANCIAL SERVICE Account NumberXXXX* Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as well as XXXX days late on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with WESTLAKE FINANCIAL SERVICE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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XX/XX/XXXX- I called wilshire consumer credit to pay off a title loan I had with them for {$2500.00}, I had a pay off amount for {$2700.00} in which I saved up for by XXXX XXXX XXXX with the military. I was informed durning that call there was a new payoff balance of {$3000.00} that I did n't understand where it came from until it was explained to me later on by supervisor XXXX after my car was repossessed. I acknowledged to the first representative during the phone call that I did n't have the {$3000.00}, she then recommended I submit a payoff request for the {$2700.00}, acknowledging me that I would only take a ding to my credit report showing paid in less and then I would still receive my title back in 7-10 business days, not once did she mention the car would still be repossessed during that process, she then give me a two hour processing time to call back and receive an answer. No options to make the account current was given to me, no options to save me {$350.00} in repo fees was given to me, I was n't talked to as if there was a debt nor read my rights about an attempt to collect a debt, on that second hour waiting to get an answer from that process, my car was repossessed. I spoke to three representatives after that, no representative 's could assist me correctly because my account was labeled that " my sole purpose for calling that day was for a settlement '', the process was n't explained to me correctly. I was able to speak with a supervisor, XXXX who took the time to help me and acknowledge me that I was a customer. She acknowledged me that the first rep I spoke with should n't have offered that because my loan was new and I have to have XX/XX/XXXX payment before qualifying for that kind of process. XXXX broke the process down, then offered a positive solution to pay {$900.00} to bring the account current with {$350.00} included to get the car out of repo and within than less than 12 hours I got my car back. XXXX then offered to work a new settlement for {$1500.00} or {$1600.00} to help offset the repo fees and with the pay in less ding on my credit report. XX/XX/XXXX- I received a letter in the mail from wilshire trying to reach me and for me to reach out to them before a repo action can take place, it was mailed out on XX/XX/XXXX and my car was picked up on XX/XX/XXXX. XX/XX/XXXX- XXXX has been great to me during this process, she 's been the middle man since day of the repo. I called in to follow up with the settlement for {$1500.00} or {$1600.00}. Told to call back because the managers have n't responded. XX/XX/XXXX- Called XXXX XXXX for update and given a new pay off amount the management can settle for of {$1800.00} to be paid by XXXX XXXX before the XX/XX/XXXX. I asked to speak with management and the request was sent forward and voice mail left. XX/XX/XXXX- In the mail I received a statement with a payoff balance {$2200.00} by XX/XX/XXXX and I 'm in good standing over all. So I call XXXX and informed her I want to leave the loan on good terms but I should n't have to suffer the repo charged due to the other staffs lack of knowledge. She said she would run that through management. XX/XX/XXXX- XXXX reached out to me through voicemail. I called back and she informed me that management reviewed voice recording and that they in fact say I was informed that no matter the process car would get repossessed, that is n't true and I asked if I could hear that voice recording proof, I was told no because it was for internal use only. I asked again to speak to management and an email was sent for management to contact me. XX/XX/XXXX- I got a letter in the mail from XXXX stating my insurance company informed them I was n't covered due to lack of payment. I call in and spoke to XXXX, she had no follow up to give me regarding management reaching back to me. XXXX told me in regards to the insurance, " XXXX XXXX '' is what I submitted during my initial loan process. I asked how can that be possible when I 'm a XXXX member? She said that 's not her department and she transferred me to the insurance department, and for 25 minutes I was transferring back to regular customer service line and 6 representatives later I finally was able to speak to XXXX XXXX of that department. I asked her how was I able to get approved for that loan with no insurance and it being a major factor of the approval process? She said all Information they get is from a third party. Again bad communication and wrong information being put out. I informed XXXX of my issues with wilshire and let her know how it is im suppose to take their word on what they claim is on a voice recording when their quality of work is not to standard. This process is unacceptable. Out of all the representatives I 've talked to only one ( XXXX ) stepped up and treated me like an actual person. I 've mentioned to other representatives that I ca n't believe I got myself into this loan and the representatives chuckle on the other end of the line and end the call with a little laughter in their voice. Till this day management has not responded to me nor to XXXX for that matter. The settlement process was an option given to me by a wilshire consumer representative who should n't have because I was n't eligible, I called to pay it off or at least get the assistant that the supervisor XXXX provided me. Had I been treated like a person, other than making me feel like I was taking the money out of their pockets, nothing would have escalated like it did. I 'm in the XXXX and I had to XXXX XXXX XXXX XXXX XXXX XXXX for two weeks at a time, XXXX in XXXX and XXXX in XXXX XXXX XXXX with very little communication to payoff this Loan, nothing was taken into consideration to help the situation. Only sorry, agreeance from XXXX that the process was n't handle correctly, there 's nothing they can do, management would get back to me, and they are their own corporate office so I have to wait until management contacts me because there 's no one above them.
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| 11/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX. WESTLAKE FINANCIAL SERVICES XXXX XXXX**Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX.
I immediately disputed this information with WESTLAKE FINANCIAL SERVICE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/05/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I, XXXX XXXX, was contacted via email on XXXX concerning a debt in the amount of {$20000.00} ; for an account # XXXX. I have enclosed a copy of the initial communication.
On XXXX @ XXXX XXXX, I called an agent of WESTLAKE FINANCIAL XXXX on a recorded call ) to discuss the debt amount, which I was uncertain of. The agent assured me that I was in good standings with one future payment submission and had no worries of ANY action taken against me, as long as the account was not 60 plus days behind. I still felt unsettled about the amount owed and questioned the validation of the debt, so I sent ( via certified mail ) a request for WESTLAKE FINANCIAL to provide information pertaining to the validation of this debt.
Since sending the request, WESTLAKE FINANCIAL has completely changed their demeanor, and previous level of customer service that I had been accustomed to. My account balance since, seemed to have been altered to display an additional payment amount that put me 90 days in the rear. WESTLAKE FINANCIAL has also engaged in numerous other FDCPA violations. They used harassing tactics, by way of repeated emails, demanding I pay NOW ( with no proof of validation sent, or no corresponding email address included to ask them to stop harassing me ). During work hours emails continued to pop up DEMANDING payment for the debt in question. Even after the hours of XXXX and even on the weekends. I received multiple harassing communications, back to back phone calls even after requesting to not be communicated by phone or email, but via mail.
Then in the middle of the night, hours before one of my biggest work meetings, they repossessed my car. This has led to a great deal of financial hardships and mental stress to myself & family ; that included but are not limited to, loss of a valued company client, significant additional financial burdens ( such as a cash advance loan was taken to deal with the inconvenience of no transportation ), missed work opportunities for family members, lack of needed access to personal properties ( such as ; daily prescribed medications left in the car overnight, wife 's work equipment, neighbors work tools ), etc.
Westlake Financial disregarded my request to send validation of this debt. 15 U.S.C. 1692g - Validation of Debt. as well as 15 U.S.C. 1692c - Communication in connection with debt collection & 15 U.S.C. 1692d - Harassment or abuse. See time line of events below : XX/XX/22. Debt validation letter requested by I, XXXX XXXX, consumer sent via electronic mail USPS tracking number XXXX XXXX XXXX XXXX XXXX ( see attachment 1 ) XX/XX/22. Letter received by Westlake Financial debt collector on. Confirmation to electronic mail USPS signed for by Westlake Financial representative, XXXX XXXX XXXX ( see attachment 2 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX XX/XX/22 Harassing communications sent to I, XXXX XXXX XXXX consumer sent via email address, XXXX by Westlake Financial XXXX debt collector sent via email address, XXXX XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call, phone number XXXX ( XXXX ) XXXX by Westlake Financial, debt collector sent via phone number XXXX ( XXXX ) XXXX ( see attachment XXXX & XXXX ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX ( see attachment 6 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call XXXX phone number XXXX ( XXXX ) XXXX by Westlake Financial, debt collector sent via phone XXXX XXXX ( XXXX ) XXXX ( see attachment 12 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call , phone number XXXX ( XXXX ) XXXX by XXXX XXXX, debt collector sent via phone number XXXX ( XXXX ) XXXX ( see attachment XXXX & XXXX ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address XXXX XXXX by Westlake Financial, debt collector sent via email address XXXX XXXX ( see attachment 7 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX ( see attachment XXXX ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX XXXX see attachment XXXX ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by XXXX XXXX XXXX debt collector sent via email address, XXXX ( XXXX XXXX XXXX ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via email address, XXXX by Westlake Financial, debt collector sent via email address, XXXX ( see attachment XXXX XXXX XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call, phone number XXXX ( XXXX ) XXXX by Westlake Financial XXXX debt collector sent via phone number XXXX ( XXXX ) XXXX ( see attachment 12 & 13 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call, phone number XXXX ( XXXX ) XXXX by Westlake Financial , debt collector sent via phone number XXXX ( XXXX ) XXXX ( see attachment 12 & 13 ) XX/XX/22 Harassing communications sent to I, XXXX XXXX, consumer sent via phone call, phone number XXXX ( XXXX ) XXXX by Westlake Financial XXXX debt collector sent via phone number XXXX ( XXXX ) XXXX ( see attachment 12 & 13 ) XX/XX/22 Vehicle repossession after hours between XXXX XXXX, ( see attachment 14 )
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| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Westlake Financial Services & BAL. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, XXXX. XXXX XXXX Account Number- XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a.
Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b.
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA.
The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ).
I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX XXXX
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| 07/21/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WESTLAKE FIN bal. $ XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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Web |
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On XX/XX/XXXX, Westlake repossessed my car through XXXX XXXX XXXX from my residence within a gated, private, code-access entry community. Despite signs indicating no trespassing and 24-hour video surveillance, XXXX XXXX entered the property without permission.
On XXXX XXXX XXXX XXXX XXXX XXXX, I adhered to the agreed-upon terms and paid repo fees totaling {$980.00} for the reinstatement and release of my XXXX XXXX XXXX XXXX Westlake Financial XXXX However, within 30 minutes of completing the payment at XXXX XXXX on the same day, Westlake had my vehicle retrieved from XXXX XXXX XXXXXXXX XXXX repo yard in XXXX XXXX The email notice provided location details for picking up my vehicle, specifying XXXX XXXX XXXX as the repo name and XXXX XXXX XXXX as the auction name, which is 3 hours away from the initial 10-minute distance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yielded conflicting information, and the whereabouts of my car remained unclear. Westlake Financial, XXXX, and XXXX provided contradictory statements, contributing to the lack of clarity.
In conversations with representatives, XXXX XXXX XXXX claimed XXXX XXXX initiated the order for the car 's removal, Westlake Financial stated XXXX transported the car, XXXX said that was not true. XXXX XXXX XXXX asserted having a release but denied having my vehicle in their inventory, stating they scan every vehicle upon arrival. This confusion persisted from XXXX XXXX XXXX XXXX XXXX
Despite Westlake Financial 's claim of a standard 5-day hold period, my car 's location remained unknown for 7 days. Efforts to obtain information were met with extended holds and abrupt hang-ups, exacerbating the distressing situation. On XX/XX/XXXX, while on hold with Westlake, I contacted my insurance company to determine whether to file a stolen vehicle police report. XXXX police still listed XXXX XXXX as having possession, conflicting with XXXX XXXX claim that Westlake Financial picked it up 30 minutes after my payment.
On XX/XX/XXXX, XXXX from XXXX informed me that my car had been at their facility since XX/XX/XXXX. However, there was no documentation of its location or record of its whereabouts from XX/XX/XXXX to XX/XX/XXXX. The mystery of its location during this period remains unresolved.
XXXX scheduled an appointment to pick up my car on XX/XX/XXXX, 9 days after the receipt of payment. On XX/XX/XXXX, during the process of retrieving my car, I observed light smoke emanating from the back of the vehicle. Upon inquiry, I was told that it was due to the car being stationary for a while. On the same day, another individual complained about their car sounding abnormal upon pickup, echoing my experience. Online, numerous customers reported damages, with some cars being rendered not located for extended periods, even weeks, mirroring my own situation.
Unfortunately, my concerns materialized when my car broke down 20 minutes away from home, emitting smoke from both the engine and the back. My car, previously reliable, became inoperable. Stranded for hours with my son, we were genuinely horrified.
This ordeal has left me not only dissatisfied as a consumer but also feeling neglected and mistreated as a human being. I am now without a car, burdened with a payment for a vehicle that underwent unauthorized alterations. The cost of an engine replacement is estimated between {$7000.00} and {$14000.00}. The actions of the three companies involved appear reminiscent of racketeering.
XXXX XXXX, the repo company, violated repo laws by trespassing and entering a code-access private gated community without permission to seize my car. XXXX XXXX XXXX XXXX demonstrated a faulty system, failing to acknowledge the presence of my car for seven days, despite having a scanning system for incoming vehicles. Westlake Financial took my money, concealed my car, damaged it, transported it three hours away, and exhibited a lack of communication and failure to track the vehicle despite multiple requests. They denied me the use of my car after receiving payment as agreed, causing undue hardship and displaying dismissive behavior in resolving the issue. Both I and my insurance lodged complaints, emphasizing the urgency of determining if the car was missing. Despite pleas, Westlake financial remained unresponsive to concerns, also denying my request for a deduction from my car payment for the days of denied access to redeem my car after payment.
The statement they provided to the Consumer Financial Protection Bureau was misleading, aiming to close the case. The dates of payment for redemption were inaccurately stated. I have discovered new information, prompting me to file a new complaint. ( See attached email of payment receipt and payment due date for reinstatement from Westlake Financial XXXXXXXX XXXX XXXX. ) Westlake Financial falsely claimed in their response to CFPB that my payment for reinstatement was made on XXXX XXXX XXXX and the unit had already been transported within 48 hours of non-payment. The payment date for reinstatement on XX/XX/XXXX is untrue. The vehicle was still local, and it was only moved 30 minutes after my payment was received. They asserted that units are transported to auction, but my car was picked up on XX/XX/XXXX, the same day I made the payment as agreed. Contrary to their claim of sending it to auction within 48 hours of non payment, my vehicle disappeared for 7 days, with 3 days unaccounted for. Auction records indicated that they had not seen my car for 3 days on XX/XX/XXXX, contradicting Westlake 's submission. Ultimately, my car was returned as dangerous junk to me on the XXXX day after breaking down on freeway. Photo attached barely made off fwy.
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| 07/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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INTRODUCTION I XXXX XXXX bring this complaint under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901, et seq., against Westlake Services , LLC d/b/a Westlake Financial Services and Wilshire Commercial Capital , LLC d/b/a Wilshire Consumer Credit for trying to repossess my XXXXotor vehicle owned by me who is a protected servicemembers without court orders.
Approximately 6 months ago, Westlake sent an investigator by the name of XXXX XXXX, License # XXXX to my Mothers home in XXXX, Florida ( see attached business card he left ) and he stated his purpose was to repossess the vehicle for Westlake Financial. The vehicle in question is a XXXX XXXX XXXX. Approximately around XX/XX/XXXX, I notified Westlake Finance via phone call that the XXXX XXXX XXXX had been damaged and deemed a total loss due to the salt water from the XXXX XXXX caused by Hurricane Sally which was classified by the United States President as a Natural Disaster.
After the water damage to the vehicle caused by Hurricane Sally, I filed an insurance claim with my primary insurance company XXXX XXXX XXXX and the claim was rejected stating there was no coverage at the time of the incident due to my insurance payment mixup at the while I was away training in XXXX XXXX XXXX XXXX School ( see attached ). In addition, I also filed a claim with the GAP insurance company which was also rejected due to the filing being after 90 days of the incident.
I then phoned Westlake Financial to try to make a settlement and offered them a settlement payoff of $ XXXX and they stated they would not accept the XXXX because they dont make settlement offers for payoff.
I proceeded and made monthly payments to Westlake for another 2 years since they would not work with me and they continued to report negative information on all 3 of my credit reports.
Please note it got to be very difficult since they would not accept the settlement or work with me in any way and I had to purchase another vehicle due to the XXXX XXXX XXXX being a total lost.
The purpose of the SCRA is to provide servicemembers with protections against certain civil proceedings that could adversely affect their legal rights while they are in military service. Section 3952 of the SCRA requires that a court review and approve a lenders repossession of any motor vehicle owned by a servicemember if the servicemember took out the loan and made a deposit or an installment payment before entering military service. Additionally, Section 3953 of the SCRA provides that a sale, foreclosure, or seizure of property for a breach of an obligation on real or personal property owned by a servicemember that originated before the period of the servicemembers military service and that is secured by a mortgage, trust deed or other security in the nature of a mortgage shall not be valid if made during, or within one year after, the period of the servicemembers military service, except upon a court order granted before such sale foreclosure or seizure. A lenders failure to obtain a court order before repossessing a covered servicemembers motor vehicle violates that servicemembers federally protected right to request a court to order repayment to the servicemember of all or part of the prior installments or deposits, stay the proceedings for a period of time as justice and equity require, or make any other equitable disposition to preserve the interests of all parties.
The Department of Defense provides lenders, and others seeking to comply with the SCRA, an automated database run by the Defense Manpower Data Center ( DMDC database ), to check whether their customers are SCRA-protected servicemembers. 16. Defendants policies required them to use the DMDC database to confirm a servicemembers military status prior to granting a request for an interest rate reduction under 50 U.S.C. 3937.
SERVICEMEMBER CIVIL RELIEF ACT VIOLATIONS- The SCRA provides that [ a ] fter a servicemember enters military service, a contract by [ a ] servicemember for... the purchase of real or personal property ( including a motor vehicle ) and for which a deposit or installment has been paid by the servicemember before the servicemember enters military service, may not be rescinded or terminated for a breach of terms of the contract... nor may the property be repossessed for such breach without a court order. 50 U.S.C. 3952 ( a ).. The SCRA also provides that [ a ] sale, foreclosure, or seizure of property for a breach of an obligation on real or personal property owned by a servicemember that... originated before the period of the servicemembers military service and for which the servicemember is still obligated... secured by a mortgage, trust deed or other security in the nature of a mortgage... shall not be valid if made during, or within one year after, the period of the servicemembers military service, except... upon a court order granted before such sale, foreclosure or seizure... [ or ] if made pursuant to an agreement as provided in section 3918 of this title. 50 U.S.C. 3953. Further, the SCRA provides that [ a ] member of a reserve component who is ordered to report for military service is entitled to the rights and protections granted under sections 3952 and 3953 during the period beginning on the date of the members receipt of the order and ending on the date on which the member reports for military service ( or, if the order is revoked before the member so reports, on the date on which the order is revoked ). 50 U.S.C. 3917 ( a ). Violations of 50 U.S.C. 3952 ( a ) ( 1 )
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| 07/06/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I XXXX XXXX filed a complaint with the cfpb regarding Wilshire consumer and Westlake services LLC complaint number XXXX - XXXX regarding a title loan with deceptive and predatory loan turns they charged he's an interest that was not expected or properly explained at the time of a loan after 3 months of payments on a {$2500.00} loan making two {$350.00} payments and one {$290.00} I realized none of my payments were going towards the principal and my balance was going up instead of down I contacted them found out that I had him a victim of a predatory loan I then went and tried to get another loan to pay off this loan to minimize my damages I was told that I could not get a loan because I already had a loan for {$10000.00} out which was not the truth so they not only tricked me into a predatory loan but then they placed it on my credit as if it was a {$10000.00} loan making it impossible for me to get another loan to pay off their loan minimize my damages and get my truck back my XXXX XXXX XXXX what is value between {$8000.00} and {$10000.00} at the time of the {$2500.00} predatory loan it was an excellent condition brand new tires and rims expensive {$800.00} stereo system Insurance tags registration everything was up to date I was in full compliance with the term other loan about five months into the loan I become injured at work I contact Westlake Wilshire consumer because they stay in their paperwork if you have any trouble anything happened please contact us and we will work with you so I contacted them I let them know that I got injured at work. I'm currently waiting for my workman 's compensation and which will be in in a couple like two weeks and I'm going to be late on my payment within two weeks a me telling them this they came and they trick my truck added a whole bunch of other Towing fees storing fees unnecessary items knowing full well that I was injured I would contact them that I was going to be getting my workman 's compensation and I planned on getting up to date with the payments which I was only like one behind like a week they make it seem like it was more but it wasn't besides that's just wrong when you contact a company and you try to work with them and you be honest you're in full compliance and berries XXXX you into a predatory loan in the first place they shouldn't come in robbed the consumer to Well then they claim that they sold a {$8000.00} excellent condition all tags paid smog compliant everything truck for {$1100.00} I don't believe it I've been to these auctions and the better Vehicles they do not let them go cheap cheap cheap flight. my other truck that I had to sell it auction that wasn't even as good a shape went for {$6000.00} I don't believe they sell my truck for that well to top it off after I file my complaint they responded to the complaint with itemized billing statement that states that after everything was said and done according to them after they took my truck I still owed {$2900.00} on a {$2500.00} loan that I had made 3 full payment and they took my vehicle valued at at least {$8000.00} but after I filed the complaint they deducted in their answer they deducted. The {$1100.00} that they supposedly so my {$8000.00} check for which left me with a balance of {$1900.00} that they said they wrote as a charge off I've been looking at the papers more closely now I noticed they did tag on some other bees but it looks as if it all comes up to the {$1900.00} They wrote as a charger well dated XX/XX/XXXX XXXX XXXX XXXX XXXX mail me out a letter stating that I owed Westlake Services LLC the balance {$2900.00} which is the original amount that they were trying to say that I owed before they did the charge off I was willing to just let It Go understanding that they do not care about their consumers they are out to harm and Rob for their own benefit anybody that crosses their path that falls for their predatory deceptive practices but then I received the bill from XXXX XXXX XXXX XXXX I'm not surprised because they continue to deceive use deceptive practices treat people cruelly and engage in predatory loans activity that harms consumers I would like to make this complaint very clear 2 Wilshire consumer AKA Westlake Financial Services LLC and XXXX XXXX XXXX XXXX I was trapped into a deceptive predatory loan I paid close to a thousand out of my own pocket I followed all of the guidelines I kept my insurance up I paid my tags and registration which on that truck was {$350.00} for the tags alone I kept the maintenance up the truck was valued at over {$8000.00} in excellent condition you took my truck when I got injured the minute I I notified you of this you came and you took my truck from me at the worst possible time I couldn't even get back and forth to my doctor 's appointment you showed no kind of consideration concern or any shame for your predatory deceptive practices that harmed me then to top it all off you can not leave well enough alone you have already robbed me for my prized possession you've gotten money from me you kicked me when I was down and now you actually think that you're going to put {$2900.00} on my credit stating I owe you when it's more than the actual original loan you can't even honor your own statement and I noticed how you place your answer on the consumer Bureau complaint that I signed it and agreement I never signed anything the only thing I agree to is that you guys are Crooks you should not be allowed to be in business and the clown people the way that you do
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| 11/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Please disregard the other complaint form as I quickly rushed through and believe it should be explained in more detail. This complaint is an extension of the previous due to the inability to edit the complaint.
The timeline of events in this situation with Willshire goes as followed. It all began when the vehicle was repossessed around XXXX XXXX on Thursday night, XX/XX/XXXX. The following morning, on XX/XX/XXXX around XXXX or XXXX, I called Willshire to inquire about an offer they had previously sent me on XX/XX/XXXX. This offer was valid for 14 days and after reading the fine print, did not state that repossession would nullify the offer. To which prompt me to call.
During my call, I spoke with XXXX XXXX who, with the approval of his managers, offered me an even better deal after explaining my financial hardship and using my vehicle as shelter currently. This new offer consisted of making two payments of {$510.00} a month for two months. I was instructed to make a payment, of any amount that very day and would have to make the remaining amount to satisfy the {$510.00} payment within 14 days. XXXX XXXX confirmed that once the first payment was made, my car would be considered in good standing with Willshire. I was happy with the offer and accepted it.
XXXX XXXX went on to explain the terms and conditions of the agreement, including the fine print regarding receiving a form 1099 from the IRS due to the reduced payment being over {$600.00}. He also answered my questions regarding the formality of the loan and explained that it would be a new loan consisting of two payments of XXXX. So I got off the phone and did what I could do to fulfill this agreement, I made a payment of {$25.00} ( {$20.00} towards the payment & {$5.00} for processing the payment ) which was all I could afford at the time.
I called back 5 or 6 hours later informing them of my payment made and was requesting my new loan documents and planned on asking how to access the docs online and if I needed to sign anything.
However, it was at this point that Willshire realized that the car had been repossessed, which I assumed Wilshire had overlooked on their end. They said the deal is off. You know the car was repossessed right? I answered yes. I ask to speak to XXXX XXXX but he has not called me back. Interestingly, He stated that I was to deal with him and only him throughout this process. Ive called and asked for him 4-5 times but again, has not communicated with me and only spoke with him the very first time. I am trying to get to the bottom of this but they are hiding him as if hes in the witness protection. Wilshire opens at XXXX XXXX, and I was awake and located the offer letter prior, and called 5 hours after they opened. If I was trying to conceal a repo, I would have called at XXXX XXXX. Especially considering when the tow truck driver had specifically stated that the police and lender would receive a repossession notification within the hour.
I called the following day, Saturday and they have their hours listed as XXXX to XXXX XXXX incorrectly on the offer emailed to me. as I called multiple times starting at XXXX XXXX to the same message.
I strongly believe that Willshire is engaging in illegal practices by offering a verbal contract over the phone and then rescinding the offer after the initial payment had already been made. I accepted the offer over the phone. A new loan agreement should have been generated and the car should have been considered in good standing. It is now XX/XX/XXXX, and Willshire refuses to return my car. At no point, Wilshire has not made one attempt to communicate with me. Not to inform me of rescinding the offer. Not to offered to return the payment made towards the new loan. Not the call back within the hour as promised. Not my messages to the manager that were never returned.
In California, verbal agreements are binding in a court of law, its a contract! Yet Wilshire is refusing to return my vehicle unless I make the payment in full. They are even threatening to sell my car at auction. Being that I made the payment, Wilshire stated that alone would constitute my loan being in good standing to which they can not hold my vehicle hostage if that is the case. The unethical conduct this firm is practicing should be investigated.
I have tried to work with Willshire and find a resolution, but they refuse to budge on their demands and take no accountability for offering the terms while blaming me for not disclosing the repossession, even though I was not obligated to do so in any documents I signed under the terms of the loan. I tried meeting them in the middle but they want it in full. Supposedly this employer who is a senior account specialist whom I was transferred twice to was suppose to call me within the hour but didnt so when I called back at eve normal number, picked up my phone. He supposedly asked his managers to keep the agreement we had in place on my request and he said they said no. Thats it has to be in full or nothing.
In conclusion, the timeline of events with Willshire is highly concerning. They offered a verbal contract over the phone, accepted a payment, and then rescinded the offer without any proactive communication. They are now refusing to return my car and demanding full payment. This situation raises serious questions about their practices and their willingness to take responsibility for their mistakes.
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| 07/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX my wife and I went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, TX XXXX to purchase a pre-owned vehicle. We met with XXXX XXXX at the time we knew him to be part owner and our salesman of XXXX XXXX XXXX XXXX. We traded our XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. We gave him all the necessary documents that he needed. I gave him {$3500.00} cash to go along with my trade in. XXXX XXXX told me and my wife to come back so we could get the paperwork on the car. The only thing I had was one paper that he told me to keep in the car. This was proof of me buying this car. The next week on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX because I had not heard anything from XXXX XXXX about the paperwork. When I saw him he told me that he was still working on it and he would have it next week. On XX/XX/XXXX I was told that my vehicle plates were in and to come and get the plates. When I got there XXXX XXXX was not there and the guy told me that he would let him know about my issue. I got my plates and then that week a finance company called me and told me where to make payments and how much I had to make. The company was Westlake Financial. I started making payments in the amount of {$380.00} each month. I could never get XXXX XXXX on the phone and by XXXX I was not able to speak to him anymore due to him not being there anymore. I spoke to XXXX XXXX who is the other or now the owner of XXXX XXXX XXXX XXXX, which I am told that XXXX is not there and now they have moved to another location. On XX/XX/XXXX, I went to XXXX XXXXXXXX XXXX XXXX to speak to XXXX, at this time he was not returning my calls or never at this location. I decided to take my car to another dealership. At the dealership, they decided to call Westlake Financial from which my car is under. The salesman asked what was my pay off of the car I have now, Westlake told him that it was about {$10000.00}. The salesman asked how is that possible that it was still {$10000.00} after a year on a {$10000.00} car. They told him that I was paying nothing but interest and I had not even started paying the principal on the car yet. After that, I was upset and wanted to know what was going on. I called Westlake Financial and asked them about this information. They told me that it should have been on the contract I signed when I bought the car. I told them I never received a contract or signed one. They told me that they have my contract and would email it to me. This contract that I received was a contract I never saw before. This contract was 7 pages with initial and signature that was not even mine. I called the Financial Company about these signatures this contract. I was told by Westlake Financial that they had to get a supervisor and do an investigation. After, this I decided to look up my vehicle registration information. My Texas registration has a different price on it then this contract and now I have an issue with the odometer reading too because the car had over XXXX miles when I received but I notice the Dealer told the finance company that the car had XXXX miles at the time he give them that contract. However, on my Texas registration, it has XXXX miles. Once I got this information. The vehicle registration sale price was {$14000.00} at which they give me {$13000.00} for my trade in which left {$1400.00}. However, that was not included with the {$3500.00} cash given. I was even more upset. I went back up to XXXX XXXX XXXX XXXX and asked for the Owner XXXX and I asked for a copy of the contract that they sent to Westlake Financial. I was told XXXX was not there and they could not find any information with my name on it and they didnt have any contracts on me from XX/XX/XXXX. I called back Westlake Financial I was told that I had needed to file a police report on this dealer fraud. I filed this police report on XX/XX/XXXX. I had called onXX/XX/XXXX to let Westlake financial to inform them that the police report was ready. I was talking with the representative that was looking over this contract and I was telling her about my trade in, she informed me that she didnt see a trade in and she didnt see a factored trade in or cash allowance factored into this deal. Then she informed me after further review, she seen those amounts for the trade in and the cash amount. However, the trade in was not applied at all and the cash amount was subtracted from the price of the car. But she also had seen where the cash price was reapplied back into the price of the car loan. Then again on XX/XX/XXXX, I called back again once I got the police report faxed over to them. And spoke to another representative, this representative told me that there was a lot of missed informed information with the account. She stated that the figures were not adding up and that I had paid for my car twice. She told me that the investigating team will be calling me in 72 hours. However, after all this, I get a text from Westlake Financial Service tell me that Friendly reminder, your Westlake Financial payment is due today. Reply pay to make a free payment now. If youve already made a payment, please disregard this message. To stop these text messages, reply STOP. In 15 months I have never received a text like this from them. I really now since learning all this is not comfortable continue to give them my money if this car is paid for according to this paperwork I do have now.
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| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I did a lease contract with American Car Center in XXXX of last year for a XXXX XXXX XXXX XXXX. All payments and services were upheld by me according to the contract. No missed payments, all oil changes and maintenance when due. On XXXX, ACC abruptly shut down and we were unable to make payments on the lease. I then received a text on XXXX message saying that effective immediately the servicing of my account was transferred from XXXX XXXX XXXX DBA American Car Center to Westlake Portfolio Management and to contact them at XXXX to make a payment or to discuss all matters related to my account.
I contacted Westlake Portfolio that day and asked if anything regarding our contract changed. I was advised that nothing changes and everything remains the same.
On XX/XX/XXXX, the car was involved in an accident and as a result the insurance company declared the vehicle a total loss. We called WPM to notify them of the accident and asked what happens once they've spoken with Travelers. I was advised that if the vehicle was a total loss the contract terms would still be honored. The rep mentioned GAP insurance although we were not inquiring about GAP insurance.
The insurance company issued a check for the value of the vehicle totaling {$10000.00}. We called in to speak with the company about how many more payment we had to make. We were told there is not GAP insurance and we were responsible for over {$16000.00}. I then gave authorization for them to speak with my wife. Below is what followed : We then advised the representative that we were not calling about GAP insurance and that we were told no parts of our lease contract changed except the service warranty being cancelled. I then pointed out paragraph 25 of the contract which states : 25. TOTAL LOSS OR DESTRUCTION OF VEHICLE. If the Vehicle is stolen or declared to be a total loss, you are obligated to notify your insurance company and to coordinate with your insurance company to ensure payment by your insurance company to the Assignee on your claim. If you complied with all the provisions of the Lease, and the Vehicle is declared a total loss by your insurance company, you will owe us nothing more once we have received ( i ) all the insurance proceeds due under the insurance policy required under this Lease, ( ii ) the deductible under such insurance policy, ( iii ) all Payments due and owing ( excluding excess mileage and wear ), under this Lease and not paid up to the date when the Vehicle is declared a total loss. IF the Vehicle is a total loss and the requirements of this Section are not satisfied, you will owe the Assignee the early termination liability ( see below ).
I was repeated told, that it is a common misconception that people think they are no longer liable for payments when the car is totaled. I explained that I have went through this before with this same contract on a differed vehicle and once my insurance company issued payment, I was only responsible for my {$500.00} deductible and the remaining lease was zeroed out. I was then advised that on difference calls that either WPM is just the servicer and does billing and payments or that that part doesn't matter I still have to satisfy the lease payments in full.
I've maintained the car and made payments as expected. I've also maintained insurance coverage according to and exceeding the terms of my contract.
I expect Westlake Portfolio to uphold the contract as signed since they've stated on multiple occasions that nothing with my LEASE contract has not changed. Multiple representatives have been able to pull up the contract and read paragraph 25 and say let me escalate this but once I speak with a supervisor it's either a case being opened, email being sent, or me being told I'm still liable.
Reps XXXX- opened the case after seeing the contract paragraph on XXXX. We were told to call back on XXXX but we allowed an extra day because of the holiday. As of XXXX, there is no update on how to handle that part of the contract and we've spent over 2 hours on the phone trying to get an answer while being transferred back and forth, talked to like we don't know what we're reading, or being hung up on.
XXXX Calls XXXX - had a supervisor looking into it and the call was disconnected after holding for a long time.
XXXX attempted to get a supervisor and the call was disconnected.
XXXX transferred me to insurance.
XXXX - insurance department, tried explain GAP to me. I informed I was not calling about GAP and told him what the contract states. He said authorization like that was needed from Customer Service. I asked for to connect me with someone who get that authorization because I'm tired of being transferred back and forth. The call was disconnected during transfer.
XXXX- told me that a supervisor already looked at the notes and that we're liable. I asked about the contract and status of the open case and she kept repeating we're still liable. I asked for a corporate contact or supervisor, she said she'd tried to get one, and after holding for over 15 minutes, she said she'd put in a request for a call back.
I've asked for a corporate number to speak with someone and am being told they don't have it but can send an email. We are getting no where with the contract being honored as written after being told it remains the same.
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| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On the date of XX/XX/2020, I signed a consumer credit contract with XXXX XXXX XXXX XXXX to purchase a vehicle. Westlake Financial was the assignee of the contract and was who immediately became " indebted '' to after signing. In my ignorance at the time, I thought that by signing the document, I was receiving a loan to purchase the vehicle, which is supposed to be " collateral '' for the auto loan. A " purchase money loan '' is defined in 16 CFR 433.1 ( d ) as : " A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Upon reviewing my contract, I certainly receiving a Finance Charge, but I never receiving a cash advance ( loan ) from anyone from anyone, nor does the contract make reference to anything that I was given for valuable consideration in return for my agreement to pay the assignee, Westlake Financial, monthly payments. It appears I've been tricked. Under ordinary contract law, consideration must be given by both parties. The seller, nor the assignee gave me anything. The vehicle is not consideration. It is merely collateral.
I was harassed by the seller to pay a downpayment before I could be approved. The price of the downpayment jumped around until I finally agreed. This is a problem because according to 15 USC 1662, a creditor can not advertise a down payment in an amount that they don't usually and customarily arrange for.
Aside from the price of the vehicle, I was not given the terms of my payment arrangement and cost until after I committed to purchasing the product. Also, as a result, my credit was run by an unknown amount of potential " finance companies '' who now have access to my social security account, aka my credit card ( see 15 USC 1602 ( l ) ). And by that time I had received, not only several Inquiries which dropped my score, but also a rediculously high interest rate offer of 20.89 %. According to the CFPB ( read UDAAPs examination procedures ) this is an unfair and deceptive act because this not only caused injury to me in several ways, but there was no way for me to avoid this injury without committing. The key question is not whether I could have made a better choice, but whether an act or practice hindered my decision-making.
The contract offer fails to contain the required " holder in due course '' notice set forth by 16 CFR 433.2. The contract does contain the contents of the notice but it does not appear on its own and without qualification. Please see the following note from the FDIC : " For those consumer credit contracts in which the Rule requires insertion of this specific contract provision, or Notice, the Notice will become a part of the agreement between the consumer and the creditor. The required Notice will be treated in the same manner as other written terms and conditions contained in the agreement. For this reason, >>>where use of the Notice is required the Notice must appear without qualification<<<. The requirement that a contract " contain '' the Notice is not satisfied if the text of the Notice is printed in the contract in conjunction with additional recitals which limit or restrict its application. Where the text of the Notice is qualified by additional language, the contract fails to " contain '' the required Notice. '' This means that taking this contract was deceptive and unlawful.
Lastly, the " finance charge '' is the " cost '' of the credit, which is also described in 15 USC 1605 as " the sum of all charges ''. If I never received a loan, then why am I being required to pay the " amount financed '' AND the finance charge. And why was I required to purchase insurance as a stipulation for me taking the vehicle instead of the insurance being included in the finance charge as TILA instructs. Again... it appears I've been tricked, hoodwinked, and bambooozled.
In addition to tricking me into signing a promise to be a financial slave, Westlake financial reported my one-sided promise to pay to my consumer reports ( All 3 ), and then began to furnish negative information about me when it was convenient for them. When I sent them a cease and desist ( USPS TRACKING # : XXXX, delivered XX/XX/XXXX, XXXX ) in accordance with 15 USC 1692c ( c ), instructing them to not communicate with me any more about the debt except by mail they persisted. The problem with this is that 15 USC 1692a ( 2 ) defines " communication '' as " the conveying of information regarding a debt directly or indirectly to any person through any medium. ". Communication through a consumer report is still " communication '' about a debt. This is a blatant violation of the FDCPA. When I called them about the entries, they refused to remove it. Till this day, their entries still remain.
I'll leave with this. It is a fact, that if I, a regular person, convinced or recruited someone to pay me money through an elaborate scheme involving a contract that was unfair, and a fake loan, and then ruined their reputation when it was convenient to me, someone from law enforcement might be looking for me.
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| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have received calls from WESTLAKE FIN. this past weekend XX/XX/2022 at XXXX PM and XX/XX/2022 at XXXX PM, XXXX PM, XXXX AM. and two calls the previous week as well. As of now im am very exhausted and emotionally drained as I with my long time wife 's her uncle and his gf, and grandmother has passed due to covid this year. and this is the co signee I'm referencing to. this new years has been a toll on the both of us. They have been calling me at funerals at work. insists that i talk on the phone while driving and at work when I told them I can take care of the matter I can when I get home. I work nights, so any time is an inconvenience to be causing my telephone to ring with the intent to annoy, abuse, or harass me. for a payment that's past due only by XXXX days. also I've notice a billing error ( 12 CFR 1026.13 ), I have determine that this has been a willfully intent on misleading and deceiving me the consumer. last year around XX/XX/XXXX the co signer my wife was involved in an accident which resulted into getting impounded due to no licence. And it took me a week or two to get it out because mines were suspended, the day i went to pick it up out of impound i was instructed that westlake picked up and took it to the auction. westlake had failed to contact me regarding their intentions moving forward after I sent an email to every person I could I then got a call from a guy being belligerent asking me why did I send all those emails told me it was at an auction if I wanted to keep the vehicle I had X amount of days to pay the repossession fees. Which was unfair and unlawful but anyways. I paid the fees of {$590.00} as instructed and it didn't go to the repossession fees it went towards the monthly payment that wasn't even due. after that they instructed me that it only can be paid by money order and not over the phone. and when i asked why the payment didn't go as we discussed i was told that my payment was due in a few days and to just make the payment and ill be good for the repossessions fees. I didn't believe him so i just made out the money order and sent it and today I have proof i've paid it in full and they are charging me {$190.00} for repossession expense that came in shortly after it was paid. Also my GAP insurance relapse because of the repossession they claim, {$2000.00} and {$290.00} on XXXX was made to the principle I had called and wanted to use my services because I was in need of four new tires just to find out I lost my GAP insurance I was never notified of. I was told that I needed a downpayment from my studies is unlawful to swinder me into getting a lower monthly payment and because I added GAP my payments went up so why didnt me payments go down when the insurances was discontinued. All these fees and insurances according to law should be included in the finance charge but it isn't. I have noticed another several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$3000.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor.
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. As of now for my monthly payments are up to date this isn't a refuse to pay but a clarification and any said adverse action of this notice is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242.
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| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Westlake Portfolio Management , LLC ( Westlake ) has refused to reimburse funds from over-payment amount of {$7200.00} to XXXX XXXX XXXX XXXX ( XXXX ). And correct and close my account to paid in full with {$0.00} balance. When Westlake knowingly cashed two cashier checks {$7200.00} on XX/XX/XXXX then Force-paid the claimed loss cashier check on XX/XX/XXXX {$7200.00} in total {$14000.00} cashed under false pretense of ( 1 ) auto loan initial payoff amount {$7100.00} is unconscionable conduct and needs to be investigated.
On XX/XX/XXXX I contacted Westlake to get a payoff quote for refinance purposes with XXXX. I was at XXXX and had the loan specialist speak to Westlake representative ( rep ) and was told the payoff quote amount is $ XXXX.After being approved for the auto refinanced loan at XXXX, Westlake was again contacted to confirm exact mailing address for the payoff check to be mailed. Westlake/Rep stated to be sure to add the per diem expense for the days in the mail to the payoff amount or the check will be insufficient funds. A cashier check dated XX/XX/XXXX in the amount of {$7200.00} was sent to Westlake for my auto loan payoff. On Thursday XX/XX/XXXXI contacted Westlake after receiving a bill for past-due payments owed for XX/XX/XXXX-XX/XX/XXXX car payments. After speaking with Westlake Supervisor/XXXX stating they ( Westlake ) never receive cashier check {$7200.00} dated XX/XX/XXXX. I immediately contacted XXXX and spoke with XXXX Supervisor/XXXX and placed all parties on conference call to alleviate this matter quickly. With Westlake/XXXX repeating they never received any payoff cashier check in amount {$7200.00}. XXXX/XXXX stated let her try and follow-up or try and locate the cashier check {$7200.00}. Westlake/XXXX stated the fees and dues may still apply, but if we ( Westlake ) at fault and got lost in mail it will be waived and not charged to your account and Westlake will honor the original cashier check {$7200.00} as payoff I have to go. XXXX/XXXX stated she will place a block on the initial cashier check {$7200.00}, don't worry just sign a declaration of loss so I can get you a replacement cashier check for payoff to Westlake. XXXX/XXXX directs me to go to my branch/bank and pick-up the replacement cashier check for payoff to Westlake.
On XX/XX/XXXX I returned to bank and as directed got the replacement cashier check in the amount of {$7200.00} withdrew from my saving account at XXXX for auto loan payoff to be sent to Westlake. On XX/XX/XXXX again I contacted Westlake to see if they received the replacement cashier check {$7200.00} for payoff and close my account paid in full and send my Title to XXXX. Westlake Supervisor/XXXX XXXX did confirm Westlake recieved and cashed the replacement cashier check {$7200.00}. However, Westlake/James states they have located the initial payoff cashier check {$7200.00} dated XX/XX/XXXX. But I need to contact XXXX to give Westlake permission to cash with ( XXXX ) letter head on the letter, since your loan payment for this month XXXX is due amount of {$330.00} is your remaining balance everything else on your account is paid off and your Title will be sent after you pay this last payment.On XX/XX/XXXX I contacted XXXX and spoke with XXXX Specialist/XXXX and expressed what Westlake Supervisor/XXXX stated to me needing XXXX authorization to cash the initial cashier check {$7200.00}. XXXX/XXXX informed me that Westlake has already cashed BOTH cashier checks back-to-back the first was {$7200.00} on XX/XX/XXXX and the claimed loss check or they suppose never received cashier check {$7200.00} was then Force-Paid on XX/XX/XXXX at XXXX XXXX in XXXX XXXX at XXXX XXXX. I contacted Westlake again and spoke with Westlake Supervisor/XXXX XXXX and let him know that XXXX Specialist/XXXX was on the conference call to confirm not only the cashier check {$7200.00} was not lost in the mail but Westlake cashed it and cashed the replacement cashier check {$7200.00} making total amount {$14000.00} cashed for ( 1 ) auto loan payoff initial amount {$7100.00}. Creating over-payment and reimbursement {$7200.00} needs to be mailed to XXXX immediately. Westlake/XXXX confirmed and stated the reimbursement funds will be mailed to XXXX and got the XXXX XXXX XXXX XXXX from XXXX/XXXX to exactly where to send reimbursement funds.
Westlake openly refuses to send reimbursement funds {$7200.00} to XXXX and have stop billing me for an account that has been paid in full and needs to be closed, immediately. Westlake knowingly doubled paid themselves in the amount of {$14000.00} for ( 1 ) payoff initial debt amount {$7100.00} and continue to charge bogus fees to the same account is unconscionable conduct and fraudulent behavior that is unacceptable and the Federal Trade Commission ( FTC ) needs to sanction and alleviate such company actions expeditiously.I contacted Westlake Portfolio Management LLC ; Westlake/Group President/XXXX XXXX ; Westlake/Chairman of the Board/XXXX XXXX, via phone and emails all to no avail. Once Westlake knowingly or should have known cashed the checks for payment is considered to be Acceptance of the Offer and extinguishes the debt, not in some but the debt in entirety.
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| 06/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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Wilshire Consumer Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - Spoke to XXXX and was told the payoff including all fees was {$2700.00} and that the only way to recover car was to pay {$710.00} immediately which was for my delinquent amount and {$320.00} repossession fees. I asked if the payoff amount included additional fees and he confirmed it did and said that take into account the interest was accruing daily at {$4.00} per day. He said I could only send it via XXXX XXXX X/X/2017 - Confirmed and sent {$710.00} XXXX XXXX reference XXXX - called back and was told that it would take 48-72 hours processing time for the release of my car and that there could potentially be fees that I would have to pay to towing company at {$25.00} per day. Said that there would be a release letter sent to the towing company from Wilshire to release car but to check back on Monday.
XX/XX/XXXX - Called on Monday morning and was told that the release notice was sent to the towing company. I picked up the car from XXXX XXXX XXXX. I asked what my fees were and they said that there were no fees and that they would charge the lending company who in turn would charge me back additional fees. I asked what is the amount and was told {$25.00} per day and not other fees. The towing company was closed over the weekend so that would be 3 x 25 for fees.
XX/XX/XXXX - Called and spoke to XXXX XXXX who claimed to be a supervisor I asked the payoff amount and was told $ {$2300.00}. I was told that they misapplied my payment of {$710.00} and put it all to principal balance instead of backing out repossession fees of {$320.00} and now an additional contract fee amount of {$75.00}. I explained that on XX/XX/XXXX I was quoted a balance of {$2700.00} by XXXX and she advised that did not include {$320.00} fee I advised that I asked XXXX if all fees were assessed and he had confirmed that amount. She said she would look into it and get back to me. I asked for an accounting letter of my account and was sent a letter that confirmed the balance quoted by XXXX. She said she would look into the call recording to find out what happened and why that amount was quoted. I then called back later that evening and got back on the line with XXXX who said that XXXX was gone for today. XXXX said he did tell me the payoff {$2700.00} amount and was so sorry to misquote fees. He sent me another payoff letter that night {$2300.00}. But said keep in mind that there are adjustments pending on your account because of the misapplication of the fees to principal.
XX/XX/XXXX - I called back in and spoke to XXXX i asked for the payoff amount and if the adjustments were made she said yes but it would not change the balance of my account and that when XXXX quoted me he did not quote me the fees. I advised that is in possible because the only way to recover car is to pay off delinquent balance plus the fees. When adding up from the ledger indicated {$2700.00} so there were nearly 300 additional fees. She stated that there was interest and I said not {$300.00} worth of interst from Friday until Tuesday and based on the quote per diem it was XXXX per day. She asked to place on a brief hold and then said she needed to do more research and I advised she said she would have her research done already from yesterday and I asked to speak with her manager who now was XXXX XXXX. I spoke with XXXX XXXX who again said that there must of been some sort of misquote by agent but she said that my account was pending an adjustment because the {$710.00} was applied to the principal. She said she would look into everything and get back to me and send a payoff letter.
I received a payoff letter for {$2300.00} only good thru today and I called to pay off and was told by XXXX XXXX that I needed to pay {$2300.00}. I said that I had a payoff letter from them that indicated {$2300.00} she said she did not see that letter in her system. I advised that how am i able to receive a payoff letter from them and they not have that amount. I asked to speak to XXXX XXXX the other manager. XXXX told me my payoff was XXXX and i said but i received a payoff letter today for {$2300.00} she said but you asked for adjustments to your payment which changed the prin amount. then i said but this letter was received today at XXXX then she said ok well we have to go by that letter but you have interest accruing i asked her to take my payment and she said she could not take my payment and had to transfer me again to someone else. i said I do not feel comfortable with so many people having different numbers and not knowing the amounts to pay.
I have gotten so many different numbers from this company every time i call for a payoff. they claim one number and then another number. My interest per diem is {$4.00} but {$100.00} 's of dollars have been applied to my account. this company is taking advantage of consumers and need to be stopped they should not be quoting multiple payoff amounts and the agents are uneducated people who do not understand how to read the account ledger system. I want to file a formal complaint for consumer harassment and endangerment.
XX/XX/XXXX - I called bac
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| 12/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2021 I signed a Retail Installment Contract which was provided to me, by a used car dealership XXXX XXXX XXXX XXXX who at the time was acting as the agent for XXXX XXXX XXXX XXXX who is the principle and the financial institution whom the my loan was assigned to. XXXX XXXX and XXXX XXXX XXXX have an agreement in place which provides them with loans, cars, tracking devices, legal representation, along with anything else a dealership would need to keep its operation running other then its employees but they may even provide training to teach XXXX XXXX XXXX XXXX employees how to identify new customers ( victoms ) for XXXX XXXX which fit a specific profile that they are looking for such as minorities, people who are struggling financially and has a credit rating below the national average, customers who are not educated regarding the true cost of financing, and any customer who is unable to secure their own financing. I should have been able to secure financing through a bank which was not subprime based on my XXXX XXXX XXXX and thought that XXXX XXXX XXXX would approach various lenders to find me my best option. At no time was it ever stated to me that they were acting as an agent of XXXX XXXX, that they would be the sole lender whom they would be approaching " on my behalf '', or that the Underwriting priniciples used to determine the cost of my financing were different then those used by other major lenders which would have given me a loan with more favorable terms that could all be viewed in the contract both oarties agreed to rather then including language which I still have not seen until this day by reference in the contract signed. Before entering into the agreement the required disclosures were never made- cost of financing, actual interest rate applied, all of the fees or the paymeny schedule that I would need to follow. These details were not provided to me until after I electronically signed the installment agreement at which time i was not given an opportunity to review the contract 's full terms and conditions ( which completly favor the lender ) or provided with the required disclosures in violation of New Jersey and Federal Law - Truth in Lending Act. This was not as a result of an honest mistake meaning they forgot but rather the actions of XXXX XXXX XXXX agent for the principle Westlake Financial Services who jointly and systematically prey on people who are vulnerable, ignorant and in need which have limited funds which would include myself. I just as the countless others who have had to deal with the scrupulous practices of Westlake Financial which has the benefit of the experience and financial resources not available to me or there other victoms whose only chance at rescinding the agreement or otherwise altering same I believe is legally justified but just as the countless other victoms I too can not afford the benefit of legal counsell which is the only remedy available in this circumstance. If the failure to disclose the true cost of financing wasnt bad enough, I was tricked into obtaining additional financing when I requested thst my monthly payment date be moved to accommodate my pay day, that now leaves me with s baloon payment whose terms were briefly advised without disclosing any details of my true cost of financing or how this new debt could be paid back to avoid the interest that I can only guess accrues monthly. Ive lesrned from reading the 100 's of complaints that this may be one of the tools used by Westlake Financial to retain ownership of the csr and its title which is all done in an effort to sell each vehicle more then once because they have no intention of ever releasing the cars they finance. In summary, XXXX XXXX through there ever increasing hold on subprime financing targets people liie myself which they identify have the means to pay the monthly installment XXXX XXXX the time of purchase but have credit history 's which make it probable that they will eventually hit hard economic times allowing XXXX XXXX who obtains the loans through there agents who never disclose their conflict of interest and breach their duty to there customers like myself who unbeknownst to them are entering into an agreement with terms that are not all disclosed and favor the lender with no affordable remedy that would allow them or myself to reach a fair, legall or amicable resolution without waiting for tge next class action suite to be filed which is only s matter of time. Even a class action suite however fails to cost Westlake Financial enough to change their illegal lending behavior because their profits far exceed the penalties even when taking into account the penalties which they expect to recieve. The Truth in Lending Act was passed for financial institutions just like XXXX XXXXXXXX whom continue to prey on people like myself who have been defrauded by their agents with the knowledge and training provided by the principle who have created a system for indetifying targets and by failing to disclose whom the principle is representing gain the trust of people like myself seeking their assistance procuring financing for a car which my family can not live without.
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| 11/30/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Westlake Portfolio Management LLC is a debt collector who have contacted me, claiming I owe a debt. The first letter that they sent me stated that I had the right to request validation of this debt that they have claimed I owe to them. I exercise my right by requesting validation of this debt within the timeframe that they had to give me which was XX/XX/XXXX. I responded to their letter, asking for any contractual agreement that I may with Westlake portfolio management, where I bound myself to the obligation of this dead. I gave Westlake portfolio management a time frame to XX/XX/XXXX to respond to my letter that I sent them in response to their initial letter within their initial letter and also stated that they must stop collections until they had validated this debt that they claim I owed. They sent me two different letters. One letter was on XX/XX/XXXX. The other one was dated XX/XX/XXXX. Neither of these letters had responded to my request of validation of this debt. These letters only simply stated where to make a payment, and what the amount was. The letters did not show any contractual agreement that I made with Westlake portfolio management to exchange any money for any goods, products, or services. I have continuously reached out to Westlake portfolio to resolve this matter, but they have not been in compliance. I have put them on noticed about the laws that they have been breaking in the crimes that they have been committing but they seem non-remorseful. They have now stolen my car and called it a repossession. I have not given them any authorization to cease my property due to lack of any type of payment. I have never made a payment arrangement agreement with Westlake portfolio management. Prior to the initial letter they sent me I had never heard of this company. I have never done any business with this company. This company has had representatives call me off the record from the compliance department by the name of XXXX XXXX. He told me I couldnt record the call for any proof of anything, so I didnt. However, all of the other phone calls that were made between me and Westlake portfolio management have been recorded within these phone calls. You would be able to hear certain representatives asking for money to release my car from being repossessed and for them not to report to my credit for about XXXX years. There are also recordings of representatives lying to me stating that they dont validate any debt anymore and I told him that by law per my request, they have to validate any debt that they have been claiming that I owe, there is also on a recorded call a supervisor lying to me stating that he could not see the letter that I had sent to them in response to their initial letter. When I spoke to the next supervisor, she told me she could see the same letter that he said he could not do Westlake portfolio management has violated the FDCPA, FCRA, and federal and state statues on fraudulent extortion. XXXX XXXX XXXX stated that they sent me validation on XX/XX/XXXX so I asked for a copy and proof that they sent it on that said date she sent me a letter that was dated XX/XX/XXXX but I had never received that letter and she didnt send me any proof that she indeed sent that letter out on XX/XX/XXXX when I spoke with XXXX XXXX XXXX XX/XX/XXXX he eventually sent over some documents. However those documents did not validate any debt that I owe to Westlake portfolio management XXXX. They also have a finance company. I do not have an account with his finance company when I put my information in, they tell me I do not have an account with them, but I do have an account with their partners Westlake portfolio management , LLC a debt collecting agency. I have not agreed or sign up to have any account with Westlake portfolio management Finance, or Westlake portfolio management a debt collection agency. My contract was with US auto sales finance. Below, I will attach a copy of my contract with US auto sales as well. This contract does not include any information or any notices about any partnership or agreements, or obligation to pay any debt to Westlake portfolio management , LLC. In fact, on page 6 of 6, it states that any changes to this contract must be in writing and signed by the seller and buyer. I will attach 6 different pages that contain my whole contract with US AUTO SALES for my XXXX XXXX XXXX. I will also attach a copy of both letters that they sent me in XXXX that did not respond to my letter which was in response to their initial letter. Those XXXX letters that were sent XX/XX/XXXX and XX/XX/XXXX will show that they did not send validation of this debt per my request. they simply ignored my response to their initial letter in my dispute of this claim. They did not send the necessary information before reporting anything to credit bureaus as they stated they must not do in their initial letter that they sent me. I will also attach a copy of the first letter that they sent me and a copy of my response to their first letter that they sent me. The last thing that I will attach will be the police report that I made for my car being stolen.
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| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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To whom it may concern, In the week ending XX/XX/XXXX, I accidentally submitted a double payment to my auto loan payment processor for XXXX. A single one-time payment was made for XXXX which covered my XXXX payment, and when I tried to setup recur pay a 2nd payment was made also for XXXX. I called immediately and was told that the 2nd payment would be reversed and the recur pay cancelled. Today on the XXXX, I was told by your agent that the payment was reversed on the XXXX ( initially told it was reversed on the XXXX ). Either way I should have received the payment to my account by the XXXX. When I called the talked to an agent they could not give me a transaction number or verify how the refund was sent.
I have since spoken with XXXX XXXX an account manager who told me that within 72 hours she would have an answer for me. To date she has not, and has not return my phone calls.
It seems that you have no intention of refunding the over-payment so I have reached out to the CFPB for assistance. I believe that XXXX XXXX XXXX XXXX is intentionally delaying the refund with the hopes that I might not want it ( apply it to a future payment ), or they have no intention of refunding my money at all. Agents have repeatedly made the false statements that if I a receive a refund for the 2nd payment I would owe for XXXX and that I have missed a payment with Honor finance. I have a perfect payment history with XXXX XXXX. These statements should be illegal if made intentionally, which I believe they were.
XXXX are transcripts of the conversations that I have had with XXXX XXXX XXXX.
XXXX AUDIO RECORDING NOTES XX/XX/2018 - starts at XXXX mark I was told that the refund was processed on the XXXX. The agent was unsure how it was sent and if went by ACH it would take 3-5 business days. I spoke to my bank the same day and I was told that they saw nothing for that amount.
XX/XX/2018 - starts at XXXX mark I was told that the refund was sent on the XX/XX/XXXX for the amount of XXXX, not the XXXX. I spoke to my bank the same day and I was told that they saw nothing for that amount.
The agent returned and informed me that they would have to research the refund. What account it went into and how the refund was sent. I was asked how I made the payment and mistakenly said through an agent. I made the payment through their website but spoke with an agent after the mistaken payment. She then said that if they do refund the second payment then I would owe for XXXX, which was false. My XXXX payment was made through XXXX XXXX, the original lender, and the XXXX payment was the 1st payment I made online through the https : XXXX XXXX I then told the agent that I was going to talk to bank again and to my states consumer protection office. The agent did ask for my bank information which I did not give because I was worried they would try to withdraw the amount a second time.
XX/XX/2018 starts at XXXX mark The agent says that they did not get my XXXX payment but the payment is shown on my account page. Each time I called they tried to say that if they send the refund it would put me behind a month. I was then transferred to XXXX XXXX, an account supervisor, who verified my address, the routing and account number and told me that she would research the refund and would in contact with me in 24 to 72 hours. She read back to me my bank information which I verified as accurate. I was told that a paper check was the normal method of issuing a refund. I also asked for a transaction number for my bank and her contact information.
XX/XX/2018 starts at XXXX I attempted to speak with a supervisor to get an update but was told that the refund was pending in their system. He told me that XXXX XXXX would call me once she confirms with their accounting department how the refund was sent.
XX/XX/2018, 2018 starts at XXXX I attempted to get an update regarding the refund but was told there were no supervisors available for me to speak to. I called 3 separate times before I was able to speak with a supervisor. I was told that he would email XXXX XXXX and request that she call me with an update.
As of today, It has been 2 weeks and XXXX XXXX has not reached out to me by phone or email with the status of the refund. On three occasions I was not allowed to speak with a supervisor, and told that if they issue a refund I would owe for XXXX. A payment I made on XX/XX/2018 and shows on my account page. How can they not know how they sent the refund? How can they not have detailed records that allow them to trace payments both incoming and outgoing. Their repeated statements that I missed a payment and the refund would result in me paying for XXXX a XXXX time were false and meant to dissuade me from wanting the refund. Not allowing me access to a supervisor was inappropriate, to say the least.
I am asking for your agency to help me recover the XXXX that is mine and if any inappropriate or illegal actions were taken against me be dealt with accordingly.
Attached file : Audio recordings of the of phone conversations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Wisconsin XXXX
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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I am writing to bring to your attention an alarming incident involving US Auto Sales and/or US Auto Servicing , which has engaged in fraudulent practices by knowingly and wrongfully disabling my vehicle on several occasions, charging excessive rates, illegally repossessing my personal property, different APRs in contract, and requiring an illegitimate down payment of {$2000.00}. I hope that the Consumer Financial Protection Bureau ( CFPB ) can investigate this matter and take appropriate action against the dealership.
On XXXX XXXX I entered into an auto sales contract with US Auto Sales During the negotiation process, the salesperson insisted that I make a down payment of {$2000.00} before the vehicle could be released to me. As a conscientious consumer, I complied with their request and paid the requested amount. However, upon further investigation, I discovered that such a down payment was not legally required for the purchase of the vehicle. The dealership had misled me into thinking that this payment was mandatory, thereby effectively defrauding me. This behavior not only violates my rights as a consumer but also undermines the trust that should exist between consumers and businesses. On or around XX/XX/XXXX, they repossessed my XXXX XXXX XXXX after arranging a promise to pay and a guarantee that my vehicle would not be disabled as long as I adhere to the arrangement. Following the repossession I received a lender-placed coverage cancel notice letter from US Auto Servicing that the annual premium collateral protection was cancelled and I no longer owe them for the policy, however, there are still charges for when this premium was put into place I had my own coverage and sent them proof as well to the email provided ( attached ) on XXXX XXXX and XXXX XXXX because I noticed that the additional charges had not been properly adjusted, I advised them to adjust the account as necessary. Since the month of XXXX I have made several attempts to contact US Auto Sales in reference to recover my vehicle, my auto loan contract and warranty ; I was quoted 2 different amounts to be paid to recover my vehicle. Given the different amounts made me feel very uneasy. I was also informed that they were unsure where my vehicle was but was certain that it had not been sold in the auction. On/around XXXX XXXX, I called and spoke to recovery specialist, XXXX XXXX XXXX who advised that he would retrieve the requested information and send it via email. On XXXX XXXX I received an email from XXXX XXXX, with only the contract attached ( attached with this complaint ). I called the specialist back, leaving a voicemail that the warranty was not included in his email, I never received a call or email from anyone at US Auto Sales after. Upon reviewing the sales I contract I noticed that there were two different APR listed for the vehicle, I was never informed that there would be a GPS interruption on my vehicle at the time of purchase until my first interruption for a late payment 2 days after setting up a payment arrangement with a representative. On page 7/8 of the sales contract the salesman did not exercise his due diligence to ensure that the required box was checked for acknowledging that a GPS device was installed in the vehicle. On XX/XX/XXXX I mailed a certified letter via USPS ( attached ) notifying them of my right of rescission due to discrepancies found in the auto loan contract. I have not yet received a response from US Auto Sales and/or US Auto Servicing registered agent in reference to my request to date.
On XX/XX/XXXX I received an email from West Lake Portfolio ( attached ) stating that they have brought my delinquent account current upon transfer from US Auto Sales. Upon receiving their email I contacted Westlake Portfolio who was unaware of this email and informed me that I needed to pay the past due including fees, in which I was quoted a third quote, completely different than before. When asked about the fees the representative was unsure, in which I requested a supervisor to call me and I never received a callback. After that call, I made a few more attempts to speak with a supervisor to no avail.
I am enclosing copies of all relevant documentation, including receipts, communication records, and any other supporting evidence that may aid in the investigation of this matter. I believe that this incident serves as a clear example of unethical conduct by US Auto Sales and/or US Auto Servicing , and I trust that the CFPB will take swift action to protect the rights of consumers.
Please inform me of the steps taken and the progress of your investigation into this matter. If necessary, I am willing to cooperate fully and provide any additional information you may require.
Thank you for your attention to this matter. I eagerly await your response and appreciate the significant role the Consumer Financial Protection Bureau plays in safeguarding the rights of consumers throughout the country.
Sincerely, XXXX XXXX
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Hello, My name is XXXX XXXX, I just recently decided to trade my XXXX XXXX in for a newer car. So I went to XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX, Mo XXXX. I arrived and started looking at vehicles. I wanted to purchase from a larger dealership so I wouldnt have any issues and everything would go smoothly! What I got was definitely not that. My husband and I were interested in a XXXX XXXX XXXX XXXX we also looked at another XXXX that would have been ok. The salesman XXXX XXXX helped us. I explained to him that I would probably not be approved for the XXXX and told him the other vehicle I was interested in. He then proceeded to do what it was he needed to do. He did not tell us which vehicle he was trying to get us in. So we waited for quite a while, he then wanted income information. He let me use his computer to print out income papers I needed to print for them. When he came back he said nevermind we are good we dont even need that. I said what? Why? He said its all good the vehicle is going in my name only and all I had to do was tell the finance company when they called that I make $ XXXX {$6000.00} a month. He went on to tell me this another 4 or 5 times and told me to make sure I didnt say {$5700.00} or {$5800.00} because they wouldnt approve it. I then went to sign the contract with another gentleman. He also reiterated for me to make sure I tell the finance company when they call that I make $ XXXX {$6000.00} when they call. I agreed they are the professionals. I get home so excited that k was approved for the vehicle I wanted of course I was in love with my new XXXX. And then the finance company calls and I repeat what they told me to tell the finance company and of course the finance co wants paycheck stubs and proof of income. After I was told by the car lot they would not need any of that. So first off they had made me look like an XXXX and a liar so far! So I get off the phone and call the car lot and tell them what had happened with the finance co. They say oh no give us a bit and we will get it figured out. So I wait. A couple days later they call me and want me to come sign papers without telling me anything about whats on them. I finally get them to send me copies of these papers and the have changed the whole agreement that I signed. Because they had to find another company to finance the XXXX. They ran my credit so much trying to find a finance co that I probably could not be approved for another car now if I tried which is upsetting because I have been working hard to get my credit score up. Well I did not go sign papers because I told them I wanted to see the contract and they didnt want to send it to me. Finally a couple days later they did finally send me the percentage, payments, and terms to which I said no Im not doing that. I then told them I wanted my infinity back and they could have their XXXX back. The XXXX that I am still currently driving!!!! The paid off my infinity for about {$5200.00}. I have received papers from my former finance co saying it is paid off. I told them again to bring my infinity back and pick up their XXXX. They are telling me now they are trying to reverse the financing for my infinity through my former finance co. I am not sure how that can be done if they have already paid it off. I am really concerned I am going to be left without a vehicle and I am extremely stressed about this situation. So now they have made me look like an XXXX a liar they have jerked me around so much that I do not understand how a dealership can do business like this. This is completely illegal for them to have me lie to a finance company when I was trying to get a vehicle with no stress it has been the worst experience of my life. This whole ordeal started on XX/XX/XXXX. I have now gotten my vehicle back and they picked up their Jeep I had for about 2.5 weeks with NO CONTRACT! However, when they returned my vehicle they returned my title with their name on the back of it. Without a lien release. I have been trying to obtain a lien release or the loan payoff from Westlake Financial since. I have requested the release probably 3 times myself and was told they could not give it to me because I am not the person who paid off the lien. I paid over {$9000.00} of that lien. I then thought I would go trade in to another dealer and they said it shouldnt be an issue obtaining a lien release for the vehicle well at this time we started the process of calling them again to get it taken care of. Westlake has hung up on the car dealership and also on myself. They have not been helpful at all. They sent a 3rd party lien release for her to fill out and she did and they still will not release the lien that is paid off! So basically I have my vehicle back with a title I can do nothing with because I can not seem to get a lien release. Here is Westlakes information mailto : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 06/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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Web |
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These are additional issues experienced f rom Wilshire Credit a nd their unfair business practices. On XXXX / XXXX / 2017 I overnighted via certified funds cashier check # XXXX in the amount of {$2400.00} to the address on the payoff letter received fro m Wilshire Credit. The overnight confirmation is attached, along with the payoff letter received from Wilshire Credit. I called Wilshire Credit on t he afternoon of XXXX / XXXX / 2017 after receiving confirmation that the payment was received from USPS ( co nfirmation is attached ). I spoke to XXXX who said that she did not see my payment in the system, however I could call back the following morning to confirm if the payment was processed. On XXXX / XXXX / 2017 in the morning XXXX I call ed Wilshire Credit a nd spoke to XXXX who said they did not see any payment posted to my account on XXXX / XXXX / 2017 and that it take s 7-10 bus iness days for a payment to be processed to the account and to call back to check if the payment posted. I called again the afternoon of the XXXX and was told by a representative that there was no payment posted as of yet. On XXXX / XXXX / 2017 in the morning XXXX I calle d Wilshire Credit an d spoke to XXXX she said she can see notes from past representative on my account that I sent in a payment of {$2400.00}. She asked what address I sent it to and I confirmed the address on the payoff letter that is attached to this complaint. XXXX XXXX XXXX # XXXX XXXX advised me that is not their address for payments. I advised her that it was the address on the payoff letter. She said payoffs are handled differently than a regular payment and I advised her that then the letter should of indicated that and it did not. She told me that they always tell people if you mail the payment you should include more money to account for the interest. I advised that the payment was already confirmed received by them. I did contact XXXX XXXX bank and as well confirmed that the cashier 's check was cashed XXXX / XXXX / 2017 by Wilshire. She said that they do not show record of payment on my account. The representative advised me that I sent it to wrong address and there was no record of payment. She said she would take down my information and hopefully i n 7-10 day s the payment would post to my account. I advised that my payment was already confirmed received by their office and needed to be posted retroactively to the date the payment was received and I was told by her that I needed to add additional money for the interest. I advised that was unfair business practice and that if they received the payment on XXXX / XXXX / 2017 it should be posted to my account on that day especially considering the bank already confirmed the check was cashed on XXXX / XXXX / 2017 .
1. Wilshire is e ngaging in unfair and deceptive business practices. The payoff notice indicates an address to send a payment. When calling in to the customer support department you are advised the address on the payoff is not the correct address to send payment. This causes confusion to the consumer as the letter is specific to the address to send the payment and no further instructions are outlined within the context of the pay off notice to send the payment elsewhere. ( see attached ) 2. Wilshire is charging customers interest for their inept accounting practices. When a consumer mails in payment to the address on the pay off notice customers are told by the customer service department to include additional days of interest in the payment to account for Wilshire 's delayed payment processing. Even when Wilshire has a confirmed receipt of payment by the USPS and confirmation from the bank that the payment instrument was cashed, Wilshire continues to ch arge interest beyond the date of receipt of final payment from the consumer.
3. The payoff notice does not indicate there are delays in processing of payment or that it takes 7-10 days to post a payment to your account after receipt of the payment. Again this is unfair and deceptive to the consumer as the financial institute has already cashed the check and is unfairly causing confusion to the consumer by not acknowledging said payment within their ledger tracking. At minimum a general notification should be made to confirm a payment was received so accurate information can be reported to the consumer when calling i n. CFPB has already fined this company for illegal collection tactics. What about consumers who are actually paying their debts??? Their unfair and deceptive business practices are causing consumers to have to pay more in interest and fees, waste countless time and energy trying to track down their payments, unclear information being sent out to consumers on where to send payments by mail and from their customer support department, unfair accounting practices that leave consumers with interest accruing.
|
| 12/12/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 11/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
On XX/XX/2019 I went to XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Texas and got approved for financing to get a used XXXX XXXX XXXX. When I got there the sales consultant, XXXX XXXX had me sign paperwork which showed how much they were selling the car to me for which was {$6400.00}. After signing the paperwork I asked him can I get a copy, he told me no and that once I finish seeing the loan officer, XXXX XXXX the loan officer, XXXX XXXX was going to give me a copy of everything that I signed that day. After purchasing insurance with XXXX, the sales consultant brought me to see the loan officer, XXXX XXXX to finish signing more paperwork so that I can drive with the car. After signing the paperwork with the loan officer, XXXX XXXX I asked him for a copy of all documents and everything I signed. The loan officer, XXXX XXXX told me he couldnt give me a copy of anything because he said since I was giving him my debit card to give him my {$1000.00} down payment he could not give me a copy because I didnt give him {$1000.00} cash. He then said he was going to make a copy of the front and back of my debit card so he may take the money off my card on XX/XX/2019. I gave him the benefit of the doubt and after that the loan officer brought me to see XXXX XXXX, who gave me the keys to the car so that I may drive off the car lot. The loan officer, XXXX XXXX told me that once he takes the money off the debit card he would mail me a copy of all the documents and everything I signed. After about a week I still didnt receive my paperwork through the mail or through email. I called XXXX XXXX XXXX dealership on XX/XX/2019 and spoke to XXXX XXXX in the sales department and she said XXXX XXXX was going to mail the documents out to me overnight, but after a few days I never received them. I called again on XX/XX/XXXX and told them I never received my paperwork. I then spoke to the loan officer, XXXX XXXX and told him that I never received my paperwork. I asked him whats going on with my paperwork, but he went to acting like he thought someone gave me the document on a little hard drive or something. I then said nobody gave me anything. I told him that I called the finance company, West Lake Financial Services and they emailed me a sales contract which said the interest rate on the loan was 16.34 percent and the amount financed is {$8900.00}. I asked the loan officer, XXXX XXXX how did the price go from {$6400.00} to {$8900.00}. He said he charged me a dealer prep fee of {$790.00}, and other fees. He said he was going to mail me the purchase agreement and everything I signed over night, but once again I didnt receive the mail after a few days. I was real disappointed and fed up with the situation because I felt like I was getting the run around. So on XX/XX/2019 I drove from XXXX XXXX, Louisiana to XXXX, Texas to the XXXX XXXX XXXX dealership and wanted to speak to a sales manager, but the sales manager directed me to speak to the customer relations manager. I asked the customer relations manager, XXXX XXXX why did the price of the vehicle go from {$6400.00} to {$8900.00}, and he said the loan officer, XXXX XXXX charged me after market fees totaling {$2400.00}. I said what fees are you talking about, because these fees were not explained to me by the loan officer, XXXX XXXX. He said the finance company, West Lake Financial charged me a loan origination fee of {$1400.00}, and in addition the dealership charged me {$790.00} for a XXXX XXXX GPS system, and a {$190.00} theft warranty. I told him I did not give the loan officer, XXXX XXXX or the finance company, West Lake Financial Services the authorization to charge these after market fees. I asked the customer relations manager, XXXX XXXX can they redo the loan without charging me those after market fees that were not listed in detail and described in the contract or purchase agreement, because I didnt approve of these extra fees. He said no he couldnt do that. I asked him can I get my {$1000.00} down payment back and return the car, but he told me no. The loan officer, XXXX XXXX lied about the deal and paperwork. And because of this Im not satisfied and very upset with the whole situation, and especially with me having to drive all the way from XXXX XXXX to get paperwork three weeks later on XX/XX/2019 that I should have received on XX/XX/2019. And even though I received some paperwork on XX/XX/2019 from the customer relations manager XXXX XXXX, I didnt receive the paperwork that I signed with the sales consultant, XXXX XXXX that listed the car being sold to me for {$6400.00} without any after market fees or extra fees on there. I feel as though the dealer was being deceitful, manipulative, and fraudulent by luring me in based one price and then raised the price when finalizing the transaction.
|
| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX, I called Westlake financial to confirm that my vehicle had been repossessed. I explained to XXXX the representative that I didnt want the vehicle. She asks why not. Then I explain to her that the vehicle was never mine if your company is able to take it at any time. She tells me that the vehicle is in fact mine and insist that I make a payment to recover the vehicle. At this point I was already done with this situation because I have received numerous phone calls throughout the day about the vehicle. Westlake financial blocked my online account which prevented me to make payments online because I had requested them to stop calling my phone since i was feeling harassed. I then asked XXXX to escalate the manager. I was directed to XXXX, who was very rude. I explained to him that I was not giving full disclosure of my rights and vehicle ownership and also want to know additional information in regards to my contract. He tells me that I have to pay to get my car but express to him why do I have to pay for something that is not mine? I mentioned getting a lawyer to look over my contract and he immediately states well if your getting a lawyer we can no longer have communication with you. So I told him to escalate the call to his supervisor or corporate. I called to corporate number that was given to me to complain about XXXX service and to retrieve a copy of my contract. I was connected to a XXXX XXXX who emails me the contract. As I begin to read over the contract, there I noticed a few discrepancies when comparing the contract from Westlake financial and the contracts given by the dealership. It appears that I am in contract with two different sellers which are different entities, the finance charge and amount to be financed are different. Upon reviewing my contracts, obligations, and rights as a natural person operating in commerce, I observed that there are multiple violations present which invalidate my contract pursuant 12 CFR 1026.3 named Truth in Lending. This made me look further into this because I was reminded of the time I had an issue with the dealership giving me the inspection report so that I can use the vehicle to make additional income. XXXX XXXX failed to furnish the document requested as I was given a summary receipt instead. Here is when I found something strange because although there were two different entities that not only sale the vehicles they repair and inspect them as well, which could be a possible collusion in this instance. So i sent XXXX XXXX an email and he called instead of responding through email but left a voicemail admitting he received the email which I still have. As I begin took look further into these documents theres also inaccurate information on a credit application that has an electronic signature that I do not recall signing at the time of sale. My credit was ran several times on that day as well. So now I have hard inquiries on my report when the dealership and Westlake were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. I was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case Westlake Financial therefore, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided.
CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
|
| 09/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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I purchased my vehicle with Westlake financial Service in XXXX. I had my first hiccup with them in XX/XX/XXXX I sent them a payment for the month by money order from my local post office and put it in the mail using the address that was included on the billing statement. After a day or two passed I called the financial company to check on the status of my payment all to find out that they never received it. They then wanted me to fax them over a copy of my receipt from this as " proof '' so I faxed it over to them got confirmation and waited again all to find out that they never got the fax either. By this point my account with them was days past due and I had to turn around and send them another payment ( this made two payments for one month ). Needing my car I did what I had to do but I wasn't going to let that stop me so I went back to my local post office to inquire about that money order I sent and it came back that the money order was received by someone ( due to law the post office could not disclose this info to me ) and cashed. Fast forwarding to XX/XX/XXXX after changing up the way I made payments to this company now paying them over the phone and keeping a record of all my confirmation numbers I ran into another issue. Something about the month of XXXX huh. After my monthly payment was made to them I got the gut feeling to call them a week later to check on the status of my account saying that just a year ago I had problems this same month. I contacted them and asked the customer service rep if my account with them was current he informed me that it was, I proceeded to ask for a payment book and after being on hold for 10 minutes while he talked to his supervisor I was told that he didn't even know what that was and that they didn't do those but he could give me documentation of my payment history. I took that as proof saying that now im realizing im dealing with a shady finance company I made him send me those details to my email. This phone call took place on XX/XX/XXXX not even two weeks after that phone call I received another phone call from a lady stating that my name was on the repossession list and that my account with them was showing me to be 3 months behind on my payments. I knew this was a lie I told the lady that two weeks ago I just spoke with them and got a copy of my payment history from them sent to me via email and that that showed otherwise. She mentioned I could fax over that information to them I declined because of the previous time they told me to fax something to them. She then insisted that if I paid {$50.00} to them it would take my name off the repossession list. Not having the money at the moment I sent it anyway via XXXX and what went from only {$50.00} turned out to be {$61.00} this money was sent to them on XX/XX/XXXX. On XX/XX/XXXX I walked outside thinking I was going to work and my car was gone. After texting my boss to inform her that i would not be into work that day I immediately called my local police department not knowing where to really start and I was informed that they received my car at the precinct at XXXX XXXX. that morning by law they weren't able to disclose who took it but c'mon im not crazy once I confirmed that it wasn't stolen I knew who came and got it. I called the financial company spoke with XXXX XXXX ( the guy was very rude btw ) and after questioning him about what was gong on he began to ignore and beat around the question but then proceeded to tell me how much i had to pay them in order to get my car back if i wanted it back. After reminding him that he never answered my question as to why they came and got my car, all he could say was because my account was 3 months past due. After explaining to him that i had confirmation numbers for all my payments and telling him that everything went through ( meaning the money was taken out of my bank account ) he got very frustrated made the comment " Well ma'am on your account its showing you are past due, is there anything else i could help you with today '' and everything else after that he continuously cut me off not even letting me get a word in. My boyfriend then tried to talk to him and ask him some of the same questions. One question that was asked was why would you send a person a confirmation number if you haven't gotten your money! ( that's like getting a receipt for something you haven't purchased yet ). XXXX had no answer for that question at all and he got nasty with him too rushed him off the phone and hung up in our faces. This has by far been the worst experience yet within two years and the sad part about it is i now have this on my credit report, no car still to this day because banks wont even look at me for another loan, and i only had less than a year left to pay on that car.
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| 01/11/2024 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Attention : Registered Agent To : BUSINESS ENTITY THAT IS AUTHORIZED TO TRANSACT BUSINESS Attn : Compliance Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Notice of Intent to FILE Lawsuit To Whom It May Concern This alleged account # XXXX is not my account and I will not pay this account.
Let this letter serve as a formal notice of my Intent to file a Lawsuit against your Company Westlake Portfolio Management due to your blatant disregard and violation of the FCRA laws. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain personal credit for household purposes.
Please Note : [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. Id. ( citing Swoager v. Credit Bureau of Greater St. Petersburg, 608 F.Supp. 972, 976 ( M.D.Fla.1985 ) ).
I have experienced emotional, character, and economic losses due to Westlake Portfolio Management and I will be seeking punitive and monetary damages which will include any Applicable Attorney and court filing fees as such.
This account was disputed on all three credit reporting agencies and Deleted by XXXX and XXXX ; however, Westlake Portfolio Management is still verifying on XXXX. This is 100 % not accurate reporting on my credit file. This is ridiculous and a violation of my rights!
Violations of my Rights to Privacy : 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I have a right to privacy. I never granted Westlake Portfolio Management to report my information to any credit bureau.
Violations of my Rights to have credit report free of any errors or commissions : 15 U.S. Code 1681- Congressional findings and statement of purpose which states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Accurate and correct in all details, exactly free from error especially as the result of care Westlake Portfolio Management has violated the law and repeatedly reported inaccurate and incomplete information on my account for months.
Violations of 15 U.S. Code 1681a - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Westlake Portfolio Management has repeated this account as late ; II never had a payment schedule with this company and it is a collection from a charged-off debt and with a charged-off account there is no expected date of payment. Why? Because it is a charged-off account. However, Westlake Portfolio Management has been deceptively and maliciously reporting this account late on my credit report because it dinging my account and is like a late payment hitting my account each month. This is hurting my credit score and making it almost impossible for my credit score to improve. Westlake Portfolio Management practicing Debt Parking purposely on my credit report.
Westlake Portfolio Management has repeatedly reported this account XXXX late every month. This is a charge-off account that can not be reported as late because IT IS A CHARGED OFF ACCOUNT ; however, Westlake Portfolio Management repeatedly reports this account XXXX as late on my credit report every month. Also, please see the attached document in which the High Credit Amount, Date of Last Reported, and Date of Last Active are reporting various information on the XXXX and XXXX credit reports. They do not even report the information evenly and accurately across all three credit reporting. This Violation of the FCRA. Westlake Portfolio Management has been repeatedly dinging and reporting this account XXXX every month to further malign and damage my credit account. These are malicious and fraudulent acts that are being committed against me and my character.
( A ) Reporting information with actual knowledge of errors if a violation of FCRA.
I demand this account be removed immediately from my credit report and submit a remittance in the amount of XXXX per violation of my FCRA rights.
XXXX XXXX
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| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am wanting further investigation into Wilshire consumer response on how they inaccurately charged me for late fees and reported a late payment from XX/XX/XXXX. I previously had a complaint with this company about how are they are constantly providing contradicting information.. On XX/XX/XXXX Wilshire submitted a response to the CFPB and that response further indicates my complaint about them to the CFPB. They submitted my account as being late for XX/XX/XXXX how ever in the records that Wilshire sent They sent a payment history and it states The last payment made to my account was on XX/XX/XXXX and that payment cleared on XX/XX/XXXX as a consumer why am I being faulted for their bank not clearing the check until XX/XX/XXXX?? How is this the consumer fault that their banks takes time to clear guaranteed checks On XX/XX/XXXX their records you have and I will also attach, stated they received a check from total loss insurance for {$7700.00} on XXXX/XXXX/XXXX from XXXX insurance which paid the account In full..I spoke with XXXX on XX/XX/XXXX and she stated the check came certified mail and was a cashiers check. A cashier check is a check guaranteed by the bank so it can not come back as insufficient funds when you write a cashiers check it puts a hold on the banks account for that amount until that check is cashed. They are stating on XX/XX/XXXX in the documents they sent they stated they received a check for {$7700.00} from XXXX insurance with insufficient funds however on XX/XX/XXXX they are reporting a XXXX balance on this statementhow can I have a XXXX balance if they are stating the check had Insufficient funds on XX/XX/XXXX?? They are not reporting things accurately or providing the consumer or bureau with accurate information they inaccurately charged my account excess {$30.00} for insufficient funds. On XX/XX/XXXX and late fees!! A cashier checks are funds to hold and guarantee until its clears. They are stating the check cleared on XX/XX/XXXX which is not me the consumers fault once Wilshire deposits a cashiers check that is guaranteed by a bank funds are available depending on their bank not mine nor XXXX it is on Wilshire consumer bank to release the check to Wilshire.. they can not report on every document that they sent that my payments were received on XX/XX/XXXX by a cashier check from XXXX and still charge a insufficient fee because their bank had not cleared the check yet.. this is defamation of character and it has reported negatively on my account and I was charged and excess amounts of unnecessary late fees and insufficient fund fee further more on the payment history they sent it states XX/XX/XXXX i XXXX XXXX did not have a balance how can they accept a check on XX/XX/XXXX and report on my payment history that on XX/XX/XXXX that I did not have balance!!! Yet report to the credit bureau that im late!!! These records came from Wilshire consumer!! I would like these late report removed from my credit all together.. and I would like a refund for the insufficient payment charges to my account and I would also like that late fees refunded to me as well.. this is in accurate reporting.. I also called on XX/XX/XXXX and spoke with another representative who stated my account for XXXX is listed as closed and not late!! But they reported this credit bureaus as me being late but they accepted a verifiable insurance payment on XX/XX/XXXX and continued to charge excess fees and I would like my money back and I would like XXXX payment to be marked as paid on time this company has stressed me out so bad by marking this payment late as trying to buy a home it is very frustrating to see a company trying to take advantage of consumers.. if they did not receive a payment on XX/XX/XXXX they needed to correct their records and stop sending false information. This company doesnt want to delete this late payment out of good faith and refuse to refund late charges they did not want to work with helping consumers at all!! The records they are keeping isnt reflecting what they are reporting doing to consumers. I just asked that someone look into their records further and have them explain why their records are reporting one thing and are saying another. They should not be reporting any transactions to any credit bureau without my consent!!!! This is illegal 15 US code 1681A titled definitions rules of construction paragraph two of this title is titled exclusions and SUB paragraph A and subsection i state that transactions are not included in the consumer report Ive attached proof that they illegally reported these items to my credit bureau but they cant supply and proof that I gave them permission to report my transactions to any bureau.. They also unethically charged me late fees
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| 04/08/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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DATE : XX/XX/XXXX ATTENTION : FRAUD DEPARTMENT ATTACHMENTS : the following disputes & documents have been previously submitted all credit bureaus 3x this year to no avail & without correction within established investigative & interactive guidelines.
Ive previously notified this & the other credit reporting bureaus that Im a victim id ID-theft fraud, however, Im still being denied extension of credit, as well as still being contacted by creditors & collection companies attempting to collect debts that I have no knowledge nor liability for. Thus having sought legal counsel in regards to these matters, to assess my civil liberties & governing laws, Im now formally requesting validation ; legally documented proof of their origins from this & all other credit reporting bureaus, as specifically outlined within the Fair Debt Collection Practices Act.
Upon reviewing my credit file from a reputed source, the following is a list of the alleged debts in question, to which Im requesting validation : ACCOUNTS : Account name WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXXXXXX. Amount {$15000.00} Im requesting that your bureau cease all reporting of the above-listed debts in adherence to the Fair Debt Collection Practices Act & Fair Credit Reporting Act & provide to me legal validation of these alleged debts. Specifically, to constitute legal validation, you as the reporting agency are required to retain copies of the following documentation from the individual or institution submitting the debt information to be reported : I. Complete & concise payment history, the requirement of which has been established within SPEARS v. BRENNAN 745 N.E. 2d 862 ; XXXX Ind. App. LEXIS 509, & an agreement that bears the name & signature of the alleged debtor wherein he/she agreed to pay the original creditor.
II. Letter of Sale or Assignment from the original creditor to a collection company ; this agreement establishes the authority for another to collect on the alleged debt & has been established within COPPALA v. ARROW FINANCIAL SERVICES, 302cv577, 2002 WL 32173704 ( D. Conn. XXXX ). Information relating to the purchase of a bad debt is not burdensome nor proprietary ; debtor must phrase their request clearly to obtain. The source of a bad debt & the amount a bad debt buyer paid for the Plaintiffs debt, how amount sought was calculated, wherein issue a list of reports to credit bureaus , & documents conferring authority on defendant to collect said debt.
III. Intimate knowledge of the creation of the debt by the collection agency.
Pursuant to the FCDPA section 809, no one can pursue any collection activity until the debt is constitutionally validated. Concurrently, case law TWYLA BOATLEY v. DIEM CORPORATION, No. CIV 03-0762 U.S. District Court of Arizona, XXXX states that the court ruled that reporting a bad debt for collection is indeed considered collection activity. Therefore, until you have fulfilled my formal request to provide me w/ legal validation, by Federal mandate youre legally obligated to cease all reporting of any & all alleged debts in question on my credit report at your bureau. The above-stated Federal mandates also establish civil liability & make way for me to seek financial compensation for such liability from any offending party. While I prefer not to litigate, I will manipulate the courts as needed to exercise & enforce my constitutional rights within the FCRA & FDCPA legislations.
I also would like to opt-out of any promotional services that my information may be submitted for. Please place a fraud alert in my file as well, as Im a victim of ID-theft ; my personal & financial information was maliciously compromised by my ex-spouse within the past few years. Due to that fraudulence, Ive been denied credit extensions & residential establishment based on information listed at all credit bureaus that Ive no knowledge of.
Because of these recent adverse financial actions against me, Im formally requesting an updated copy of my report & credit score w/ the above-listed current personal information. As advised, I would like to place an extended fraud alert in my file, for fear that my stolen information is still being used fraudulently.
List the following number in my fraud alert : ( XXXX ) XXXX XXXX MOBILE Again, please update my credit report w/ the above-listed current information & delete all outdated & inaccurate immediately & permanently that Ive not personally submitted myself. As advised, I shall be expecting to receive compliance w/ FCRA sections 605, 611 ; FDCPA sections 808, 809 ; 15 USC 1681 et. al. seq. & confirmation thereof from you within 30 business days.
Thank you for your immediate attention & administration to this matter for resolution.
Sincerely,
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| 12/01/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Last XXXX ( XX/XX/XXXX ) I purchased a used car from a U.S. Auto dealership that arranged financing through US Auto Finance. As part of the sale, I also purchased a service contract for {$3500.00} from a third-party company called XXXX to protect against any unexpected repairs or breakdowns.
Eight months after purchasing the car, I began to experience problems with the engine. Since this issue was covered under my warranty, I immediately had my vehicle towed to XXXX XXXX ( Warranty Servicer ) and contacted XXXX to file a claim and have the repairs covered.
However, after contacting XXXX, I was informed that my claim had been denied due to service contract/warranty being voided by U.S. Auto Dealership without any form of notification. I had been making payments to US Auto finance to cover both the service contract and regular payments. According to XXXX, US Auto Finance had failed to fulfill their contractual obligation to pay for the warranty coverage, leaving me and many other customers without the protection we had paid for.
Despite numerous attempts to contact US Auto Finance and resolve the issue, I've been given no deadline or possible remedy for my situation. I have also been in contact without US Auto Service Contract line representatives XXXX and XXXX to get more information. I also contacted US Auto Finance on XX/XX/XXXX around XXXX XXXX and spoke with XXXX XXXX about the situation being rectified and was told that he received an email saying that the issue with XXXX had been fixed. I asked at what time. XXXX XXXX told me around XXXXXXXX XXXX on XX/XX/XXXX. I then proceeded to call XXXX for clarification around XXXX XXXX. I spoke with XXXX at XXXX and he explained to me that none of the service contracts had been funded. I was also told by XXXX that US Auto Finance is telling customers all sorts of things in order to keep the payments coming in. I was left having to get repairs, estimates, diagnostics done at my own expense. In addition to those expenses, I have to get to work using XXXX for several days.
On XX/XX/XXXX, I was contacted by Westlake Portfolio Management and was told that they were going to be servicing the loan. I was making payments for about 3 months and started sending debt validation letters in order to see if they had access to the following : 1. Original contract, note, with wet ink signature, front and back 2. Call Records for XX/XX/XXXX pertaining to account # XXXX with SSN # XXXX 3. The credit application front and back.
4. XXXX, XXXX, XXXX filings on behalf of investor ( s ) Broad or not anything with my name attached; Payoff. Security interest accounts that my power of attorney gave you to do on my behalf.
5. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and IRS Form XXXX.
6. Include Form XXXX.
XXXX. Bill of Sale XXXX. Information as to the amount of debt. The bill for services rendered verification of you claim or ownership of the debt including proof of authority under your chain of command.
9. Your TIN number.
10. Your government contract and license number in order for you to collect a debt on its behalf.
11. The invoice ( not statement ). The definition of a statement is account notification and not asking for payment.
12. Trust liability accounting 13. Debit and credit side of escrow accounting 14. Approval letter from Secretary of treasury, HUD and State.
I sent my first letter in XX/XX/XXXX. I got no response. I sent another letter on XX/XX/XXXX to XXXX and still got no response. When I contacted XXXX on XX/XX/XXXX around XXXX EST, I got in touch with XXXX XXXX ( ext. XXXX ) and addressed him about the debt validation. He told me that letter had been sent to his superiors and was informed that I get in touch with the legal department. I placed Westlake Portfolio Management on a cease and desist status. I still didn't get a response from XXXX and then I decided to contact XXXX XXXX in the Legal department on XX/XX/XXXX via email. We corresponded back and forth from XX/XX/XXXX to XX/XX/XXXX to confirm if XXXX had received any of my letters. I then was informed by XXXX XXXX to send my letter via email and sent that debt validation letter on XX/XX/XXXX. I was sent a response from the legal department asking exactly what I am looking for. I attempted to send another certified letter on XXXX XXXX directly to the XXXX XXXX in the legal and the letter was returned due to not being able to be forwarded. I have received no confirmation that the debt is valid due to negligence on the part of Westlake Portfolio management.
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| 04/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My name is XXXX XXXX and I'm reaching out because I was sold a lemon and need help.
I purchased a used truck through XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. A few days later on XX/XX/XXXX the truck broke down while I was driving, I was commuting from work back home. The truck suddenly died without warning while I was driving. I immediately contacted the dealer to ask for help. They referred me to a Tow Truck service but they did not offer to cover the cost. They asked that I have the truck towed to the car lot and said one of their mechanics would inspect the vehicle. The cost for the tow was {$110.00}, I'm including the receipt in this email.
When I arrived at the dealership, I met with the owner and explained how disappointed and deceived I felt. I had discovered a discrepancy ; the mileage that was written down on the loan paper was incorrect. The dealer admitted that they wrote the trip mileage down and not the real mileage. The owner of the dealership agreed to have the truck repaired and to cover the cost. He asked that I leave the truck overnight so the next day his mechanic could inspect it and repair it. The next day I was unable to commute to work due to this. I work in construction and do not get paid for time off, if I don't work, I don't get paid. Not only did I have to pay the tow truck but I lost a day of work which means my paycheck was short. The next day I picked up the truck late in the evening and was told the transmission had been flushed.
On XX/XX/XXXX the change oil warning came on so I decided to take the truck for an oil change at a XXXX dealership and to inquire about a transmission evaluation for a peace of mind. I took the truck to XXXX XXXX, they did an oil change, I have attached the receipt from XXXX XXXX for {$60.00}, they informed me a transmission diagnostic check would be around {$400.00}. I decided to look for a more affordable option. In the mean time I decided to get a roadside assistance membership with XXXX because I felt uneasy about this vehicle.
Yesterday XX/XX/XXXX the truck broke down again while I was driving to work. Once again, I called the dealership to speak to the owner to make him aware. This time he offered to have the truck towed, he personally arrived in a tow truck and towed the truck to my residence. We discussed my options and he said the best thing to do would be to get an extended warranty on the vehicle and have the warranty company rebuild the transmission. He offered to make my first loan payment so that I could afford to make a first payment towards an extended warranty. However, he did make it clear that this would be as far as he would go to help. He stated he could not offer more than that but he was very adamite about making my first payment so that I can get extended warranty. I felt pressured and told him I needed time to explore my options.
Today XX/XX/XXXX I had to miss work once again because I don't have a vehicle to commute, once again my paycheck will be short this week due to this truck. Instead of making money I had to get the truck to another auto shop to get a transmission evaluation that you the lender have requested. The cost for the transmission diagnostic was {$88.00}. The auto shop determined that the truck needs the transmission rebuilt. Please reference the notes on the attached receipt. I was quoted {$4000.00} to have the transmission rebuild.
Since I purchased the truck, 2 weeks ago, I have spent ; {$1500.00} down payment {$300.00} insurance {$110.00} tow truck {$60.00} oil change {$9.00} XXXX membership {$88.00} transmission evaluation {$800.00} missed work Since purchasing this vehicle, I lost {$2000.00} not including lost income due to missed days at work. I have my first payment of {$420.00}, plus insurance {$140.00} on XX/XX/XXXX. So, after the first month of purchase, I will have spent {$3000.00} altogether. My job requires a vehicle, I can not work without a vehicle. I currently don't have transportation. I feel deceived and I am very frustrated. It is clear that I was sold a lemon for almost $ XXXX.
I sent all this to the finance company XXXX XXXX and they denied my claim because they said it was pass the XXXX miles but the dealer put the wrong miles and they said they couldnt do anything about it but I had not paid my first payment yet it broke down a week and it needs a new transmission before I make my first payment and the finance company would not allow me to return it even though they easily could have.
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| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I am requresting The consumber finanacial protection Bureau investigate the lending/servicing practices for XXXX XXXX XXXX XXXX and Westlake Portfolio Management , LLC. XX/XX/XXXX Westlake Portfolio Management violated my rights under the federal Fair Debt Collection Practice Act and the Truth in Lending and its Representatives have used deceptive practices.
I spoke with Westlake Portfolio Management Employee for 23 minutes on XX/XX/XXXX. I informed Westlake Portfolio Management Employee I had not been notified of the Transfer of my XXXX XXXX Account being transferred in writing from XXXX XXXX or West Lake Portfolio. I informed Westlake Portfolio Management Employee any information obtained during my call would be used to ensure my Rights Under the Federal Fair Debt Collection Practice Act and the Truth in Lending Act were Honored and I am disputing this debt and requesting Validation, to include not being notified the loan being transfered, and I would be recording the phone call. Westlake Portfolio Management Employee stated he does not give me permission to do so. I acknowledged his statement and our conversation continued.
The Westlake Portfolio Management Employee stated I should have received a welcome packet, I then informed Westlake Portfolio Management Employee I did not. I provided Westlake Portfolio Management Employee with my home address, phone number, work address, work phone number, email and requested the " welcome '' packet be resent as I had not received anything from XXXX XXXX or On XX/XX/XXXX I informed Westlake Portfolio Management Employee that I had last spoke with XXXX XXXX representative XX/XX/XXXX for 10 minutes and at that time the representative informed me he would be emailing an account manager with my concerns and request for validation of the balance and they would be returning my call the next buisness day. At no point did any XXXX XXXX employee tell me my XXXX XXXX Account was being or had been transferred West Lake Portfolio LLc. When I did not receive a phone call on XX/XX/XXXX, I attempted to log on to the XXXX XXXX website, which is when I identified XXXX XXXX had transffered/or Sold my account to Westlake Portfolio LLc. I attempted to call Westlake Portfolio Management XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX and was unable to reach an employee as it was after buisness hours.
I informed Westlake Portfolio Management Employee I completed my contract aggreement with XXXX XXXX XX/XX/XXXX, andI have made multiple attempts to obtain Validation and Dispute the remaining balance owed to include honor representatives continuously stating Daily simple intrest rate is being chared, My Contract aggreement includes no information regarding a daily simple intrest rate which has been voiced this to Multiple XXXX XXXX representatives to include emails sent to XXXX XXXX CEO.
The Westlake Portfolio Management Employee informed me the daily simple intrest rate is {$1.00} and that Westlake would not be just giving me that infomation. I requested whom I would send my request to he provided me with Mailing Address XXXX XXXXXXXX XXXX XXXX California XXXX and Attention Legal Department. I requested the Westlake Portfolio Management employee Notate my account to state I am reporting that I completed my contract aggreement with XXXX XXXX XX/XX/XXXX. I would not be able to pay any further moneys on this account until I had something in writing stating West Lake LLc had legal Possession my account as I had already paid XXXX XXXX aproximately {$25000.00} which is over the stated loan contract agreement for my XXXX vehicle. I requested the Westlake Portfolio Management Employee notate my account that I am DISPUTING the West Lake Portfolio account, XXXX XXXX account, payment history, loan contract with West Lake Portfolio LLc and am REQUESTING VALIDATION of the of the account balance/debt from Westlake Portfolio Management. The Westlake Portfolio Management Employee stated he would notate my account and would resend this information out in the mail.
On XX/XX/XXXX @ XXXXXXXX XXXX I received letters envelope postdated XX/XX/XXXX from Westlake Portfolio Management and also XXXX XXXX Letter envelope Postdated XX/XX/XXXX welcome letters. XX/XX/XXXX between XXXX -XXXX Westlake Portfolio Management per XXXX Arizona Police Department Repossessed my Vehicle to Include My ID {$500.00} Cash in addition to other items reported to the XXXX Police Department that were in my Vehiche.
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| 11/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX, VIN # XXXX, through Westlake Financial Service via XXXX # XXXX. Sadly, after less than 2 weeks of owning the vehicle, it become completely immobile and I was never able to drive the vehicle again. Although the dealership that I purchased the vehicle from, guaranteed to repair the vehicle, they did not live up to their guarantee either and Westlake Financial Services forced the dealership, XXXX XXXX XXXX XXXX, to buy-back the loan via the Dealer Compliance Department. XXXX XXXX XXXX, in the XXXX XXXX Department was my point of contact through out this process as customers were not allowed to communicate with the XXXX XXXX XXXX directly. I was notified that the buy-back officially was finalized as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX with Westlake Financial Services after receiving a copy of the re-assignment letter which states that Westlake Financial Services is no longer my lienholder and indicates that my dealership, XXXX XXXX XXXX XXXX is now my point of contact. My concern with this promulgated form was that it was very general and did not notate the reason for the buy-back so I asked XXXX XXXX if there was a way to modify this form to add the reason. XXXX XXXX indicated that unfortunately it is a standardized form and that they were not allowed to modify the letter, but that in his opinion, he felt that I had more than enough evidence to support the reason for the buy-back. He further mentioned that the reasons for the buy-back would forever be records within the notes of my account should we ever need to reference them and that the buy-back is labeled as " merchantability issues & mechanical breakdown ''. He further continued by asking me if I wanted the loan deleted from my tradeline and extended an offer to finance another vehicle to me in the future since he understood that this was certainly nothing that I had caused. Westlake Financial Serivces records all of their conversations as indicated prior to any customer service representatives answering their calls, and I recorded this conversation as well and have an audio file of this very conversation to support all of this. Unfortunately, I am continuing to have problems with the dealership, XXXX XXXX XXXX XXXX, and am presently suing them as they have possession of my vehicle and my {$7000.00} down payment. I requested a copy of my records of this account yesterday, XXXX/XXXX/XXXX, from XXXX in the XXXX XXXX XXXX and according to her, per XXXX XXXX advised her that I would need to have a subpoena to gets these records. Unfortunately, I am handling this civil suit pro XXXX at a XXXX level because I can not afford an attorney because I have lost so much money already because of this fiasco and I mentioned this to XXXX but she continued to hold her ground and would not release the records. So in an attempt to possibly fix this, one more time, in good faith, I reached out to XXXX XXXX XXXX, Chairman of the XXXX XXXX Westlake Financial Services yesterday, XXXX/XXXX/XXXX and explained my situation. I told him this information is imperative to my defense. Instead of helping me, he elected to maliciously attack me and the route the I have taken against the dealership. He defended the dealership and told me that the dealership paid off the loan because I refused to pay for the vehicle. All of this was via email. So ... I, one customer ... have the power to do all that in one month of owning a vehicle? I think not! I do n't think he expected me to have an audio file of the conversation that I had with one of his employees to prove why the buy-back happened. I emailed him a copy of that audio file and he has yet to do the right thing. I need this information. It is imperative that I get it as the dealership is claiming that they were forced to buy-back my loan because I was in default ... which could not be any further than the truth. I have the phone call ... but the notes on the account and all of the history behind it would be all the more proof that the dealership is the bad guy and not me! Westlake Financial Services was fined by CFPB a few years ago {$4.00} XXXX dollars and ordered to payback {$44.00} XXXX in fees for illegal practices. It looks as though ... .their staff is a reflection of their leadership and things have n't changed much since then. I should n't have to hire a lawyer to get records that belong to me. This is n't right.
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| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I borrowed {$5000.00} for a title loan in XX/XX/ from Wilshire Consumer Credit. In general, I have been paying about {$200.00} for month with usually with about {$50.00} principal and {$150.00} interest. I wasn't able to pay for XXXX on time and called Wilshire and discussed if I can pay those in XXXX. On XX/XX/XXXX, we agreed that if I just pay {$50.00} then, I can pay the rest ( {$150.00} ) any time until the maturity time in XX/XX/XXXX. After about a couple of weeks, XX/XX/XXXX, I called and told them that I was ready with the remaining {$150.00}. When the customer service asked me additional {$20.00} of late fee, another {$15.00} from last year, XXXX, that I was not aware at all, I told him that it was not part of our agreement to pay late fee and that the permission was granted to me to pay it in XXXX and I am paying it earlier. But he insisted that I had to pay late fee and said he could not provide me the person who made the deal with me. I then told him to charge me the base charge {$150.00} at that time and I will address the late fee at a different time by speaking with the person who made the deal with me. But he splitted my {$150.00} into {$130.00} of the base pay and {$20.00} of late fee without my consent, making me short of {$20.00} from my base pay. I found out about this in XXXX after I paid my monthly {$200.00}, I still received an email requiring me immediate attention and saw {$20.00} and the {$15.00} from last year.
So, I told them that I am not convinced about these two payments of late fee and {$15.00} from last XXXX because I did not agree to late fee charge and did not see any missed payment except from last XXXX, where my entire {$200.00} payment was entered as interest only. However, I will pay both now and address it legally at a later time and so I paid the {$20.00} 'late ' fee and the {$15.00} 'non sufficient fee ' from last year on XX/XX/XXXX and have received an email confirmation saying thank you for scheduling your payment.
But today, 5 days later, I received an email letting me know that I have payment due. When I called Wilshire and confronted them that I have an email confirmation as proof that I paid, they said, it didn't go through because you had insufficient funds. I tried to explain to them that I can proof that by presenting my bank statement that I did not have insufficient funds. But they argued with me for a long time stating that it would not have said, insufficient funds if I had sufficient funds. They eventually changed the insufficient funds argument into I put debit card number instead of account number and so it is considered insufficient funds and so I was required to pay additional late fee of {$20.00}, unpaid non sufficient fee of {$30.00} and and unpaid other fees of {$75.00} which he told me is administrative fee, making it {$120.00} than the {$35.00} ( XXXX ) I was going to pay with still a question mark.
First of all, I have paid the full {$120.00} today even if it did not make sense to me. I can not dispute whether I used debit card number instead of account number because I don't see it Infront me now but I have done online business for many years and no one ever told me I made that mistake. Second of all, I used my bank information that was already saved with Wilshire for monthly automatic payment. Thirdly, if it didn't go through, I would have expected a notification sooner than after five days. Finally, even today, while I was trying to pay to someone who said is a supervisor, he repeatedly told me that it didn't go through and I repeatedly told him that there was nothing else to tell him but he eventually said, " hold on, I'm going to use a different system '' and he eventually told me it went through. When I said, " see, the issue could have been your system like this when you guys were blaming it on me for why the {$35.00} payment was not successful the first time either '', he just brushed it off.
Overall, the way I felt about this is that Wilshire wanted to retaliate by making me make even more payments because in my previous conversation, I mentioned to them that I was going to pay the {$35.00} but still would seek legal counsel.
Although I am still in the process of finding a legal counsel, I am also addressing it with this office so that this office can look closely into this business as this seem way too shady business practice.
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| 10/26/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX XXXX XXXXXXXX XXXX account : XXXX To whom it may concern, I XXXX XXXX have sent in multiple correspondences and placed multiple phone calls ( XX/XX/XXXX XXXX. being the latest ) to Westlake Financial in regards to this fraudulent claim that I owe a balance due of {$200.00}. This account was closed settled in full XX/XX/XXXX. Westlake Financial received the full payoff settlement offer and the Lien was released from the Michigan title clean and clear for this vehicle, hence further validating that all obligations had been fulfilled with the last payment of the payoff settlement offered to me as a one-time full loan payoff. I do not owe a balance at all to Westlake Financial. I have spoken with multiple customer service representatives at the company to explain this situation and demand financial documentation ( monthly statements, 1099-C, tax records and documents, billing invoices, and account ledger ) to validate this alleged debt. I have spoken to XXXX XXXX, XXXX XXXX, XXXX, and I have been waiting for over 4 weeks for a return phone call from the supervisor XXXX XXXX to discuss clearing these matters to remove/delete this false information being reported to my consumer report. All of the representatives I have spoken with have said they would put the account in for review but I have yet to hear back from anyone regarding this illegitimate fraudulent debt which has still been reporting to my consumer report causing great irreparable harm to my XXXX score and personal financial image.
Every Customer service representative I have spoken with has refused to send me validation documents, denying me my right to verify this alleged account and the said balance due. The representatives have even said that this account had been discharged included in my bankruptcy judgement from XX/XX/XXXX. I have asked for proof of this, requesting 1099-C for this discharge of debt and other tax documents. I have been coerced into making payments with mailers and monthly statements even after this account was discharged and charged off through bankruptcy. Which Im totally aware of is against the law! These payments made were not voluntary being that Westlake financial has always stated that a balance was due and never made me aware that the account had been closed, charged off, or discharged via bankruptcy. Monthly statements were still sent out, phone calls requesting payment were still made to me, and my online account was consistently updated with notices to pay, late payment fees/ notices, and updated balance information after payments. My bankruptcy judgement was entered XX/XX/XXXX Westlake continued to coerce me into and accept payment on an illegitimate debt that had been discharged in bankruptcy for a year up until XX/XX/XXXX in which was the last payment made for the one time payoff settlement offer was paid and the loan had been totally fulfilled or so I thought. Im not aware where the {$200.00} balance is from at all being that the payoff offer was fulfilled totally or this account was charged off in bankruptcy!!? There are consumer protections in place to protect the natural person from this type of predatory illegal activity, this misinformation being reported is causing me to be denied of credit, denied for housing, and employment. Westlake Financial has an obligation to report ONLY accurate, validated, and verifiable information to the consumer bureaus per FDCPA, FCRA. Westlake Financial has continued to dishonor and undermine these acts, laws, rules and regulations. Nobody/company is above the law, Westlake financial has been given every opportunity to cure this falsified and illegal activity. This is my last attempt to rectify this unjust travesty before legal proceedings are filed!
I demand Westlake Financial provide all documents below to show proper 10/Proof that I am obligated to pay such!
AM ORIGINAL CONSUMER CONTRACT WITH MY WET SIGNATURE ON IT ADDRESS AND NAME OF ORIGINAL CREDITOR AN AUDIT TRAIL YOUR RIGHT TO COLLECT ON ALLEGED DEBT YOUR LICENSE NUMBER AND REGISTERED AGENT AGREEMENT BEARING MY SIGNATURE THAT I HAVE AGREED TO ASSUME THIS ALLEGED DEBT PROOF YOU ARE LICENSED TO COLLECT IN MY STATE LEDGER AND ALL MONTHLY STATEMENTS AND FINANCIAL INFORMATION 1099-C AND ALL RELATED TAX DOCUMENTATION COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF!
Thank You, XXXX XXXX
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| 05/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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On XX/XX/XXXX, XXXX XXXX XXXX, accompanied by her husband, enter the company of American Car Center, located on XXXX XXXX XXXX XXXX, NC XXXX, to purchase a vehicle. XXXX XXXX met with XXXX XXXX over the phone and via email prior to this purchase. XXXX XXXX assisted XXXX XXXX with the purchase of the vehicle. At loan signing, XXXX XXXX misled XXXX XXXX with total pricing of the vehicle, meaning the cost including fees, interest, and overall amount.
After the signing, XXXX XXXX made an aggressive, predatory statement saying, Now, your stuck, for XXXX years!! and XXXX XXXX laughed furiously.
On XXXX XXXX XXXX XXXX the car to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, where the American Car Center had a registered warranty for the vehicle. The left top headlight was replaced, dashboard light knock sensor was replaced due to malfunction, engine analysis, and engine sensors ( front or rear ) were replaced.
On XXXX The vehicle was ready for pick up after invoice was paid through warranty with XXXX XXXX XXXX American Car Center.
On XXXX The car started to have white, thick smoke on the left side of the hood from the car while XXXX XXXX XXXX at the drive-thur. XXXX XXXX took the vehicle back to XXXX XXXX XXXX XXXX with the issues. XXXX XXXX was advised to have a complete vehicle inspection of the vehicle from XXXX by her husband.
On XXXX The car was ready for pickup after having the full inspection of the car, cooling pressure test, heater and bypass hose replaced and right headlight replaced. Warranty paid for all costs except for full inspection of the vehicle. XXXX XXXX paid for the inspection for assurance that the vehicle was safe, separately.
On XXXX car began smoking under the hood in the same area with the same thick white smoke while XXXX XXXX was driving. XXXX XXXX was able to drive the car directly to the shop stating the same unresolved issue with the car. Heater hose was leaking at the rear where the firewall hose and jumper hose connects. The heater hose was removed and replace.
In XX/XX/XXXX, American Car Center abruptly went bankrupt with out proper notification to customers. XXXX XXXX was notified when making a payment that the lease was now under Westlake Portfolio Management on XXXX XXXX.
On XX/XX/XXXX, the car began to spoke again under the same area under the hood with the same thick white smoke. XXXX XXXX was able to drive the vehicle directly to XXXX XXXX XXXX once more.
On XXXX the car was picked after XXXX XXXX XXXX XXXX a broken hose, replaced coolant recovery hose, flush w/sealer and conditioner were performed.
On XXXX car began to overheat. XXXX XXXX was able to take the car back to XXXX XXXX XXXX. XXXX XXXX was told to replace the thermostat and housing at a cost of {$740.00}. This cost was declined by XXXX XXXX because the cost of the parts and labor were overpriced alongside the frustrations of being the car back and forth since the time of purchase and warranty services.
On XXXX XXXX XXXX sent email notification XXXX XXXX XXXX XXXX XXXX stating that her limited warranty XXXX cancelled. XXXX XXXX was asked to send invoices of repairs that were covered under the warranty and will notify us.
On XXXX XXXX sent all invoices of repairs XXXX XXXX with XXXX XXXX XXXX the warranty partnership under their XXXX XXXX XXXX
XXXX XXXX began to have issues with the vehicle overheating and not starting.
After receiving two different inspections, XXXX XXXX was advised that she has a blown head gasket. On XX/XX/XXXX.
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding sending the emails regarding the warranty and invoices with the issues about the car. The associate began to prompt like he was transferring the call, the disconnected. XXXX XXXX called back regarding the warranty issue, the rep stated that the warranty is cancelled and that XXXX XXXX was stuck paying the car note. XXXX XXXX mention taking legal matters due to the fact that this new company demands payments, but denied warranty coverage. The rep stated to let him know how it turns out and laughed at the customer on the phone.
XXXX XXXX wants a fair resolution regarding this matter with the vehicle, where the warranty to granted. The company can not expect their consumers to hold their end of the contract and the company is not held to the same expectations.
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| 05/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I had this SUV for maybe about a year, prior to it being totaled in an accident. O n XX/XX/XXXX , my SUV , tha t was financed through Westlake Financial, a XXXX XXXX XXXX , was in a rear-end collision that caused minor to moderate visible damages, but caused major computer and electrical damages-from the car that hit us, going under my SUV, whi ch eventually caused it to no longer run. When taken to shops, I was told several different stories- from it needs a programmer, to it needs a new engine. When I to ld Westlake this, they said they did n't want to repo the vehicle, since it does n't run, and that they did n't loan me the truck, they loaned me the money, so that 's what they wanted. As I said- we are still in the process of a settlement for this accident, meanwhile, I had to purchase another vehicle, so I could work everyday, get my XXXX kids to school, to practices, to games, to the grocery store, and what if there was an emergency? I live XXXX miles from the nearest hospital. I explained to the very rude rep at Westlake, t hat I could not affor d to continue to pay {$500.00} a month, for this SUV that is no longer operable. They offered no solution or assistance and put the full remaining balance on my credit report and left the vehicle in my possession but never sent the title. Then, they sent just out a repo person out today- 2 years later?? I 'm confused and very frustrated- this charge-off on my credit report has prevented me from getting anything- a home, a person loan, or any kind of debt relief. I do n't feel this is fair because, even if I paid the full amount to them, they still have the truck repossessed, and sell it at auction? and then I still have the bad report on my credit for the next 7 years? I explained to several of the reps that ca lled from Westlake, th at I planned to pay them off, using the settlement money, if enough, and try to buy another SUV like that one that runs, or another engine, and try to fix it- I re ally liked it and it was great sized for my family, taking kids to school, carpooling with other moms for school pick up, games, etc. They offered no reduction in the amount, no assistance of any kind, and now I ca n't get a straight answer out of anyone there- they know nothing about anything going on, or why they recently re-opened the repossession ticket, in the end of XX/XX/XXXX , this year, 2 years after they wrote the debt off and put it on my credit report. I would like to keep my SUV and c ome to a much lesser settlement amount- since the vehicle is totaled- and have them remove the negative report from my credit reports. I thought that is what normally happens, after an accident that totals the vehicle, the insurance is supposed to pay off the vehicle- I had full coverage insurance and so did the guy that hit me- but the guy was from Florida, where we were on vacation, and Florida is a no -fault state, so his insurance- XXXX XXXX -refused to pay for the damages that were not visible. They only repaired the rear bumper. The tow package was messed up, the frame is bent, the suspension no longer airs up in the front, and it wont stay running, it spits and sputters, and shuts off. It was that way when I went to pick it up from the repair shop and the guy said XXXX XXXX was aware but denied payment. The other driver was clearly XXXX and allowed to leave the scene. My insurance paid for everything else- my medical bills, my husbands medical bills, both of our physical therapy, and my rental vehicle. There were many problems with the accident, and then the way we were treated-by XXXX XXXX plus XXXX , and even the repair shop. That 's why we are still in the lawsuit, to try and correct the problems, but I do n't understand why I should have to pay the full price for the totaled vehicle, plus the repo it to sell at auction, plus my credit is ruined for 7 years? All because some XXXX driver rear ended me, at a red light, and I get all of the negative effects, while the at fault driver, gets to walk free and have nothing done to him- and he got a new car from his insurance after the accident! This has definitely not been fair and needs to be addressed by someone of more authority than myself. Thank you for your time and assistance with this matter.
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| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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TILA RESCISSION NOTICE
DATE SENT: XXXX XXXX XXXX
VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED NO.XXXX
WESTLAKE FINANCIAL SERVICES
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
TO WHOM IT MAY CONCERN:
PURSUANT TO THE PROVISIONS OF THE TRUTH AND LENDING ACT (TILA), 15 U.S.C. SECTION 1635, I RESCINDED THE ABOVE-REFERENCED LOAN, DUE TO VIOLATIONS OF TILA, INCLUDING BUT NOT LIMITED TO THE UNLAWFUL FAILURE TO GIVE TIMELY AND PROPER DISCLOSURES REQUIRED UNDER TILA.
IN ACCORDANCE WITH THE TRUTH IN LENDING ACT I HEREBY EXERCISED MY RIGHTS UNDER THE FEDERAL TRUTH IN LENDING ACT, 15 U.S.C. CHAPTER 41 DUE TO THE FOLLOWING VIOLATIONS:
1. 15 U.S.C. 1601(A)(B)- FAILURE TO GIVE MEANINGFUL DISCLOSURE OF CREDIT TERMS; I WAS UNINFORMED OF THE USE OF MY CREDIT NOR DID I RECEIVE ADEQUATE COST DISCLOSURES.
2. 15 U.S.C. 1611- THE LENDER WILLFULLY AND KNOWINGLY PROVIDED ME WITH FALSE AND INACCURATE INFORMATION AND FAILED TO PROVIDE TRUE AND ACCURATE INFORMATION WHICH THEY ARE REQUIRED TO DISCLOSE UNDER THE PROVISIONS OF THIS SUBCHAPTER OR ANY REGULATIONS ISSUED THEREUNDER.
3. 15 U.S.C 1662, 15 U.S.C. 1605(A)(B)(C), 12 C.F.R. 1026.4(A)(B)- ILLEGAL ADVERTISEMENT AND REQUIREMENT FOR A DOWN PAYMENT IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT; I WAS NOT INFORMED THAT THE FINANCE CHARGE IS THE SUM OF ALL CHARGES YET YOU ADDED THE FINANCE CHARGE, AMOUNT FINANCED, AND MY DOWN PAYMENT BUT DID NOT SUBTRACT ANYTHING FROM THE TOTAL SALE PRICE. I DID NOT RECEIVE FULL DISCLOSURE OF THE FINANCE CHARGE. I WAS ALSO MISINFORMED BY WESTLAKE FINANCIAL SERVICES THAT A DOWN PAYMENT WAS REQUIRED IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT IN ORDER TO FINANCE AND PURCHASE THE VEHICLE; MY DOWN PAYMENT DID NOT REDUCE THE TOTAL SALE PRICE IN FACT IT WAS BOOSTED FROM XXXX XXXX XXXX; I ALSO WAS NOT INFORMED OF LIFE, ACCIDENT, HEALTH, PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE.
4. 15 U.S.C. 1635- FAILURE TO PROVIDE THE INFORMATION AND RESCISSION FORMS REQUIRED UNDER THIS SECTION TOGETHER WITH A STATEMENT CONTAINING THE MATERIAL DISCLOSURES REQUIRED UNDER THIS SUBCHAPTER, IN ACCORDANCE WITH THE REGULATIONS OF XXXX XXXX.
PURSUANT TO 15 U.S.C. 1635(F), MY RIGHT TO RESCIND THE LOAN EXTENDS FOR THREE-YEARS AS A RESULT OF VIOLATIONS UNDER THIS SUBCHAPTER. THE RESCISSION NOTICE HAS BEEN SENT TO THEM WITHIN THAT TIME PERIOD.
IN ACCORDANCE WITH 15 U.S.C. 1635, 15 U.S.C. 1640, AND THE U.S. SUPREME COURT RULING IN XXXX XXXX XXXX XXXX XXXX XXXX., NO. XXXX XXXX XXXX, I NEEDED ONLY TO PROVIDED THE LENDER WITH WRITTEN NOTICE EXERCISING MY RIGHT TO RESCIND WITHIN THE THREE-YEAR PERIOD ELAPSE. NO COURT ACTION IS REQUIRED. THE U.S. SUPREME COURT ALSO RULED THAT I AM ENTITLED TO ADDITIONAL RELIEF IN THE CASE OF AN INDIVIDUAL ACTION TWICE THE AMOUNT OF MY FINANCE CHARGE IN CONNECTION WITH THE TRANSACTION WHICH IN MY CASE WILL BE XXXX NOT INCLUDING THE RETURN OF ALL MONEY OR PROPERTY FOLLOWING RESCISSION.
I ALSO RESERVED ALL RIGHTS TO RAISE ADDITIONAL OR ALTERNATIVE GROUNDS FOR RESCISSION UNDER FEDERAL OR STATE LAW.
WESTLAKE FINANCIAL SERVICES HAVE WITHIN TWENTY (20) DAYS AFTER RECEIPT OF MY NOTICE TO RETURN TO ME ALL MONIES PAID BY ME IN THE TRANSACTION AS WELL AS ADDITIONAL RELIEF ARISING FROM THE ABOVED LISTED VIOLATIONS UNDER THE TRUTH IN LENDING ACT. THEY WERE SUPPOSED TO TAKE ANY ACTION NECESSARY OR APPROPRIATE TO REFLECT THE TERMINATION OF THE SECURITY INTEREST CREATED UNDER THIS TRANSACTION. BUT I DO NOT BELIVE THEY DID BECAUSE THEY CONTINUE TO CALL ME ABOUT LATE PAYMENTS EVEN THOUGH THE CONTRACT IS VIODED.
I ADVISED THEM IF THEY DID NOT CANCEL THE SECURITY INTEREST AND RETURN ALL CONSIDERATION PAID BY ME WITHIN TWENTY (20) DAYS OF RECEIPT OF THIS LETTER, THEY WOULD BE RESPONSIBLE FOR FURTHER ACTUAL AND STATUTORY DAMAGES PURSUANT TO 15 U.S.C. 1640(A).
I ALSO ATTACHED AN INVOICE FOR THE AMOUNT OWED $XXXX AND IF THE AMOUNT INVOICED WAS SOMEHOW INACCURATE FOR THEM TO PROVIDE ME WITH AN ITEMIZATION OF THE LOAN DISBURSEMENTS, THE LOAN CHARGES, THE CURRENT PRINCIPAL BALANCE, ALL PAYMENTS RECEIVED FROM ME, AND THE FINANCE CHARGE SO THAT WE MAY DETERMINE THE EXACT AMOUNT NEEDED FOR TENDER. THEY HAVE NOT PROVIDED ME WITH ANY OR EVEN ACKNOWLEDGED MY NOTICE OF RESCISSION WHICH PUT THEM IN FURTHER VIOLATION OF TITLE 15 CHAPTER 41.
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| 01/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX and I trade in my XXXX XXXX XXXX but, XXXX XXXX XXXX XXXX never included the trade in car in my contract, it is nowhere to be found, so basically they scammed me out of my car. And when I was purchasing the trunk I was advised that the trunk was {$10000.00} but after having my daughter look over the contract the day after she realized that XXXX put the trunk down for XXXX. So after they scammed me with that deal I went to XXXX XXXX and requested my car back as well as my down deposit and advised them that I no longer want the trunk, XXXX disagreed and did not want to let me return the car, the owner XXXX was there and told me to get the XXXX out of his office.they then made me pay them an additional {$1500.00} but I had already made a XXXX complaint for them in reference to the matter so the owner was upset about the complaint and told me that they are going to charge me a fee off XXXX because I made a complaint for their business so I told them I was not paying XXXX just because I made a complaint about their inability to do business and I requested my plate that they were holding for reasons behind my understanding but XXXX did not provide me the plate, so I had my daughter contact him about the plate for me and XXXX ( the manager ) informed her that my plate was going to be mailed out to my home ( which is my plate that was on the previous vehicle that i trade in that XXXX XXXX XXXX XXXX never included on my contract ). After dealing with all of this hassle from XXXX XXXX XXXX XXXX, I thought Everything was done and the only thing left was for them to mail me my license plate which I requested from XXXX XXXX since the day of purchased because, i did not comprehend why XXXX XXXX gave me a paper tag when I already had a tag, because most dealership I know, transfer your tag electronically and provide it to you the same day you leave the lot but unlike any legitimate business XXXX XXXX XXXX XXXX is a scam based business to extort money from their consumers, and the reason why I say this is because, after I was advised by XXXX that my tag was going to be mailed out to my home a month ago, I never received it so I called to check on the status and thats when XXXX informed me that I have to pay him {$110.00} in order to get my tag back that he Informed me a month ago That i was going to received by mail. Unlike a legitimate place of business XXXX XXXX XXXX XXXX XXXX did not even take the initiative to even contact me in reference to the matter. So after having to call them two times and XXXX prentending like he didn't know what I was calling in reference to, or who I was, then finally he informed me that I have to pay a total of {$110.00} and some change in order to get my tag that I was advised a month ago will be mailed out to my home, further more, the temporary tag that XXXX XXXX XXXX put on my car expired which made it impossible for me to go to work or pick up my child from school, so I had to go pay them the XXXX in order to have a tag on my vehicle, so I can function with my everyday life, I did contact the dmv but they were not able to assist because XXXX XXXX XXXX XXXX put a line on my tag saying I owe them money which including to my contract ( which I will upload on here ) does not show any proof of such thing. Not to mention when I called to try to resolve the issue over the phone with XXXX, his exact words were do whatever you want to do and do not call here anymore. XXXX XXXX XXXX XXXX and as well as the manager XXXX and the owner XXXX needs to honor the contract that I signed with them which states a balance of XXXX for plate and registration. I will have the areas highlighted. To sum it up XXXX XXXX XXXX XXXX should not be in business due to their malpractice and inability to do business. XXXX XXXX XXXX XXXX needs to stop lying to their customers as a way to make money. I will like a full refund of the XXXX that I payed in order to get a tag that my contract state was a balance of XXXX and which I contact the dmv about and was informed cost XXXX not XXXX so just to prove once again how XXXX XXXX XXXX XXXX is scamming. If I dont not get a full refund of my money I will continue to take further action to let other people know that this business is a scam.
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| 10/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I bought a XXXX XXXX XXXX from Sir XXXX 's XXXX on XX/XX/XXXX. My complaint involves 3 parties : Sir XXXX 's XXXX XXXX in XXXX, MD, XXXX XXXX and XXXX Warranty. The car exhibited acceleration issues and engine performance issues as soon as 2 days later. The XXXX wouldn't accelerate properly when driving down streets and turning onto streets or the highway. I felt the engine stall and hesitate multuple times. I reported my concerns initially to the dealer, Sir XXXX XXXX XXXX employee XXXX. XXXX was the sales guy who did my deal. He told me to bring the car in, around XX/XX/XXXX or XXXX... when I came back to the dealer, their mechanic cleaned the throttle with a rag and brush and claimed " that should fix it. '' I was lead to believe that this quick fix solved my problem. IT HAD NOT!! The car continued exhibiting issues with accelerating, and powering off unexpectedly while I was on XXXX highway and local streets. A warning " engine power reduced '' would flash across my dashboard and within moments the car slowed down. I would pull over if possible, stop the car, put it in park, turn it off for about 10 seconds, restart the engine and drive. After doing this and seeing the " engine power reduced '' warning my check engine light would come on. XXXX from Sir XXXX 's XXXX was aware of this because I reported it to him. He was the 1st person I reported the incident to. I called the finance company, XXXX on or around XXXX - XX/XX/XXXX and asked to remove the XXXX XXXX from my finance/sales contract because I notice inconsistencies in the " Buying Order '' and didn't want the warranty for an additional {$990.00} which increased my monthly payment because it was financed with the car sale. The phone rep at XXXX said that the contract couldn't be re-written or changed. If you look at the attachments, you'll see that there's an additional {$1600.00} being financed, when the actual sales price of the car was {$14000.00}, {$870.00} sales tax and {$250.00} for registration and lien recording, the total I should have financed is {$15000.00} ( minus my {$2000.00} down payment and my car payment should be on {$13000.00} over 60 months ) They're over charging me for a car with a faulty electrical and engine components. I found 3 codes on a fix finder I used XX/XX/XXXX, after the issue went unresolved for more than 2 months and I made my car payments on-time via auto-debit. These unscruoulolus pieces of XXXX, placed my life in danger on multiple occasions by ignoring my concerns and observations about the acceleration pedal and engine control module. On Thur XX/XX/XXXX XXXX XXXX in XXXX XXXX found 2 more codes. Their findings are attached. The XXXX warranty doesn't cover the items they said it would. I was told twice by reps for XXXX that the engine, electrical, transmission and other systems were covered by my warranty. THIS IS NOT TRUE!! The accelerator pedal helps the engine run and consists of electric parts in the front assembly of the car. I am asking that the Consumer Financial Protection Bureau get my sales contract amended to remove the 2 warranties and protections they sold, for {$990.00} and {$390.00} as shown on the attached buyer 's order and have XXXX XXXX correct my monthly payments accordingly, and credit my loan for any over payments made as a result of this finance calculation error on the dealer 's part. Combined, these 3 businesses have shown reckless indifference for my safety while operating a motor vehicle, XXXX made gross misrepresentations about the civerage offered by their product and XXXX from Sir XXXX XXXX XXXX backed them up by offering the product and discussing the coverages with me, warranting them to be suitable " additional protection, '' and I believe that XXXX XXXX knowingly entered into a sales contract with errors on it. The predatory practices of these companies is costing me thousands over the life of my loan, and the negligence in repairing the accelerator pedal and engine control module issue could have resulted in serious bodily harm or death. Please assess any appropriate fines to the businesss involved and assist in getting my finance contract corrected and the bogus useless XXXX warranty removed from my sales contract.
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| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Date : XX/XX/XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to address discrepancies observed in the credit report furnished by Westlake Financial to XXXX, XXXX, and XXXX regarding my account. Specifically, I have concerns about the accuracy and validity of the late payments reported.
U.S. law stipulates that for a payment to be marked as late, the creditor must ensure that each periodic statement, containing specific information, is mailed or delivered to the consumer no later than 21 days before the payment due date.
The required information under section 1637 ( b ) includes : The outstanding balance in the account at the beginning of the statement period.
The amount and date of each extension of credit during the period, along with a brief identification of each extension.
The total amount credited to the account during the period.
The amount of any finance charge added to the account during the period, itemized to show the amounts due to the application of percentage rates and any imposed as a minimum or fixed charge.
Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate.
The total finance charge expressed as an annual percentage rate.
The balance on which the finance charge was computed and a statement of how the balance was determined.
The outstanding balance in the account at the end of the period.
The date by which payment must be made to avoid additional finance charges.
The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor.
A written statement warning about the implications of making only the minimum payment and repayment information related to the outstanding balance.
Given this, I request XXXX XXXX to provide evidence that the periodic statement sent to me met the aforementioned criteria. Specifically, I am interested in confirming that the statement was sent at least 21 days before the due date and that it contained all the necessary information as mandated by section 1637 ( b ).
Additionally, I've noticed discrepancies in the reporting across the three credit bureaus. For example, XXXX lists the account status as 'derogatory ' and mentions a repossession, which is not accurate. In contrast, XXXX indicates the account as 'open '. XXXX also marks the account as 'derogatory ', but there are inconsistencies in the reported dates. Furthermore, there's a variation in the reported balance between XXXX and the other two bureaus. Below is a table detailing these discrepancies : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Field | XXXX | XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Opened | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Balance | {$16000.00} | {$17000.00} | {$17000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- No. of Months ( terms ) | XXXX | XXXX | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Last Reported | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Last Active | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date of Last Payment | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In light of these concerns, I kindly request that you review the late payment records for my account. If you can not provide evidence supporting the late payment or if there has been an oversight, I expect the necessary corrections to be made on the credit report, including the removal of any inaccurately reported late payments.
I trust that you will address this matter with the urgency and seriousness it warrants. I anticipate your timely response and cooperation in resolving these discrepancies.
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| 09/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company communicating payment assistance or payment extension options
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Web |
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Hello, My name is XXXX XXXX I am in a 72 month contract with WESTLAKE FINANCIAL XXXX # XXXX. My car has been wrongfully repossessed and just because " Westlake has helped me in the past '' they refuse to help me now. My car was first repossessed XX/XX/XXXX which I paid more than {$1000.00} to get back. I called Westlake XXXX and expressed to WESTLAKE I'm having a financial hardship at which the Customer service rep promised me to help and offered an extension. He also stated that he could put my XXXX payment on the back of my contract. If he would have effectively evaluated my account I wouldn't be in this situation. He would have known we would have needed different action because I had already had an extension.This at which is on a recorded line. Westlake never sent an email notice nor statement in the mail Stating that I was XXXX days late and that my car was up for repossession.My car is repossessed and westlake wants {$1600.00} for me to get my car back. I am not the only person in this contract. I also have rights and protections as a consumer if my car is up for repossession long term or short term. XX/XX/XXXX I called @ around XXXX the last call expressing once again that I was having financial hardship and that I couldn't make a {$1600.00} payment but I was willing to give you all my money to my last dime. The Customer service rep told me I could make a payment of {$1100.00} to get my car back. He gave me the location of my car and the information needed to go get my car. He promised he would personally call me back for the payment in an hour since I was {$150.00} short but I knew I would have the money. I had the money and the Customer service rep never called back like he promised. Which is also on a recorded line. I tried giving XXXX a call numerous times Saturday and Sunday and couldn't get through. XX/XX/XXXX I called Westlake financial the representative expressed that I would have to make a Payment of {$1100.00} and put the repo fee on the back of my contact to get my car back I told him the rep from Friday promised I could pay {$1100.00} but If it couldn't go lower I would have to come up with {$80.00} he then transferred me to a supervisor. The Supervisor first told me there was nothing they could do to help me because they helped me in the past and I would have to pay {$1600.00}. Then he told me since the rep promised me the payment of {$1100.00} on friday I was off the table because it wasn't the same day. I then stated if the cast the rep from today XX/XX/XXXX said I could make a payment of {$1100.00} and If we could stick to that. He then got mad and said I had to pay {$1600.00} but what would be the difference between XXXX and Today 's rep they told me they could get the fees waived. If I've been telling Westlake financial I've been having a financial hardship why not help each CONSUMER 's needs. Westlake is very unprofessional and unorganized. It's not the fault of me that Westlake representatives aren't on the same accord. I've been laughed at, antagonized, and hung up on by representatives judged because of my financial hardship and me wanting help. ALL I WANT IS WESTLAKE FINANCIAL TO KEEP THEIR WORD AND PROMISES. I'm in a 72 month 6 YEAR contract with Westlake please tell me what person you know always has a perfect stretch in life. I've been communicating with Westlake on my behalf but I hate that I'm looked at as less because of what I'm going through. I'm literally willing to put every dime I have on the line for this vehicle because I know I wont be able to get another car if I have a repo on my report. The agents don't want to help me even though they've inconvenienced me with the lies and failed promises. The last supervisors hung up on me because he said I could pay {$1100.00} then they would hold my vehicle but he couldn't give it to me in writing ... THATS THE problem! This is unrealistic. I am more than just an account number, I am a human being! Please reach back out to me! Anyone please, this is my life on the line. I'm XXXX XXXX XXXX. This is my first auto loan which wasn't even broken down to me and explained. It's only me and my XXXX XXXX XXXX son please help us!
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| 08/11/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My car lender went out of business in XXXX of XXXX. From there they transferred our loans to a debt collector who explicitly only referred to themselves as a debt collector until here recently where they now go by the term third party servicing company. Westlake Portfolio Management took over servicing loans for XXXX XXXX and ever since then there has been nothing but problems.
1. When it came to warranties and gap insurance through US Auto, they said they would not honor warranties because they were here to collect money. I asked them to remove the {$3500.00} from my loan if they were not going to honor it, they refused. They told me that I had to continue paying for my warranty even though they were not going to honor it.
2. US Auto never paid XXXX so even though in my contract it stated that I have a 3 year warranty, being that it was never funded, I never had a warranty. Westlake claims that some customers now have a warranty ( most likely do to the backlash of breach of contract ) my warranty was void from the first day I bought the car, I have not received a pro-rated discount, nor have I received any notice that my warranty will be extended for the whole 3 years or if its going to remain as if I had a warranty for the whole time. They have provided no information but from what Im hearing from other US Auto customers, a lot of people are still without warranty.
3. Westlake has started my auto loan completely over even though I had already been making payments, they have no record of payments made and assumed that Ive just been driving around in a free car ever since I purchased it from US Auto. I told them this and they let me know that they had no record of previous payments made. All the money I paid to US Auto for my car mysteriously disappeared.
3. I got an email from Westlake Portfolio stating that my credit score went up. I NEVER gave permission for Westlake to TRACK my credit score, or report. I do not have any contract with Westlake nor have I signed any documentation giving permission for them to track my credit report. This is ILLEGAL.
4. When the transfer initially happened, I made two payments to Westlake, every XXXX except {$60.00} went towards interest. Then I realized they charge a daily interest rate of {$11.00}. My interest for my car is already calculated in my monthly payments. My payment is {$240.00} bi-weekly for 72 months. If you do the math, this means over the next 7 years I would have paid {$40000.00} on a {$5000.00} vehicle plus the {$11.00} per day. Their daily interest brings my total payments {$28000.00} ABOVE what it originally was even with interest from US Auto. At the end of my loan term I would have paid {$68000.00} total for a XXXX car.
5. Westlake does not have my title, or my contract per our last conversation and every-time we spoke they said documents are still pending. How is a debt collector, collecting on a balance when they dont even have the proper paperwork? You dont own the car, nor are you honoring all of the obligations to the contract but you want money? They released a document stating that they are now power of attorney for US Auto but did not have this document when they started collecting payments.
6. They sent me an email stating that I had to put them on my insurance as the Lienholder to my car. They are not the Lienholder to my car as I have checked with the DMV, US Auto is and I will not add US Auto as my lienholder because they already disappeared with my money for my car payments & down payments.
Overall, my contract was breached, Im being double charged and over charged, my credit is being monitored without my permission, I do not have a warranty that is paid for, and they just want me to believe that after they charge me {$68000.00} on a XXXX vehicle, some way they will get the title from a closed down company 7 years down the line, they do not have a history of my payments so my loan has started over and my principal balance goes up every day due to their {$11.00} a day interest charge. My original first email from US Auto and Westlake said the obligations of my contract were not going to change, that was inaccurate.
|
| 02/07/2023 |
Yes |
- Debt collection
- Auto debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Westlake Financial Services contacted my insurance company and disclosed that I was under repossession during a total loss claim I was not under repossession I have talked to the legal department he said XXXX XXXX also made a verbal agreement that he would settle the loan with XXXX XXXX XXXX for a loan I have for a XXXX XXXX XXXX I wanted to negotiate the amount of money I owed which was a direct dispute in an email I sent months prior to this insurance claim The email was a Notice sent to Westlake Financial Services, Demand to Commence Arbitration, for the way that Westlake Financial Services had listed on their website a very inaccurate Payment History I had been disputing this for months and had been ignored XXXX never calls back answers emails or answer questions in regard to why is my loan still the same amount after XXXX months of payments, online for every XXXX car payment I made, the account shows XXXX payment Westlake Financial Services would call me if I was XXXX day late with my car loan payments, during XXXX I was made and forced to pay the payments and they had offered no help or breaks during the pandemic there was no relief or they would say we will repo the vehicle Customer service, would call and I asked are you collections or customer service and they would say we are both I would ask to speak to a specific department or supervisor and they would hang up, put me on indefinite hold, or have someone get on the phone saying they were from a different department, threatened me to either pay the monthly loan amount and some sort of late fee or service fee or my car would be repossessed XXXX XXXX XXXX called me after I opened insurance on XX/XX/XXXX the claim in which Westlake financial services was not listed on my insurance policy and had no privy to any information, I even emailed them not to even try and talk to my insurance company you are not listed on the policy XXXX went ahead and contacted this third party and even sent documents the contract has forced insurance in it and my policy in the contract I signed had expired XXXX made no attempt to secure insurance to protect the loan asset, they never amended or added a policy for insurance to the contract they never sent me a notice or any other information on what insurance XXXX did not respond within the XXXX days for XXXX XXXX has no other email or phone number to call except the customer service number ( XXXX ) XXXX if I asked to talk to anyone else we will pass the message no one ever called back or emailed or responded as soon as I told XXXX XXXX I was filing a Declaratory Judgment to get the title so I could close my claim with my insurance, XXXX reported to the credit bureau resulting in a remarkable decrease in my score they also changed the online amount from XXXX XXXX XXXX TO OVER XXXX XXXX XXXX XXXX DOLLARS WHEN ASKED WHERE DID THEY GET THE TOTAL THEY CAN NOT EXPLAIN THE XXXX TRIED TO STEAL MY INSURANE CHECK BY TALKING TO THIRD PARTY AGENTS AT MY INSURANCE COMPAMY AND SAYING I WAS UP FOR REPOSSESSION WHEN I WAS NOT THEN THEY STOP TALKING TO ME THIS MAKING IT IMPOSSIBLE FOR ME TO CLOSE THE CLAIM AND COLLECT THE MONEY FROM MY INSURANCE CLAIM XXXX ALSO STATED IN AN EMAIL HOLD OFF FILING IN COURT OR THERE CAN BE NO SETTLEMENT ANOTHER EMAIL I NEED TO CHECK WITH COLLECTIONS AND INSURANCE I EMAILED XXXX YOU ARE NOT ALLOWED TO SPEAK WITH EMAIL SEND DOCUMENTS NOTHING TO MY INSURANCE COMPANY HE DID ANYWAY MY INSURANCE TOLD ME HE CALLED AND SENT DOCUMENTS AND ASKED ABOUT THE AMOUNT OF THE INSURANCE I WAS TO COLLECT I HAVE GAP INSURANCE WITH XXXX HOWEVER I ASKED FOR THE COVERAGE DOCUMENT THEY WON'T SEND ME THEY DON'T SEND ANY DOCUMENTS I HAVE REQUESTED THEY ARE DECEPTIVE, PREDATORY LENDERS THEY HAVE NO OTHER RECOURSE WHEN THINGS GO WRONG THEY DO WHATEVER THEY WANT HE VERBALLY MADE A DEAL TO SETTLE MY LOAN WITH XXXX FOR A LESSER AMOUNT THAN IS STATED ONLINE ON THEIR WEBSITE I HAVE PAID XXXX FOR XXXX MONTHS OVER XXXX XXXX DOLLARS ( {$8000.00} ) THE ACCOUNT LOOKS LIKE I PAID XXXX XXXX DOLLARS ( {$2000.00} ) DO SOMETHING MY LOAN STARTED IN XXXX AT THE END OF THE CONSENT ORDER AND THEY WENT RIGHT BACK TO WHAT THEY DO
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| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
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|
Web |
Older American |
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XXXX applied for a loan " On line '', spoke to loan officer, XXXX XXXX from Wilshire Consumer Credit.Told him I was shopping around and needed somekind of conventional or installment loan to PAY OFF AN EXISTING TITLE LOAN that had me paying on intetest, fees etc.but nothing on the principle.Mr.XXXX said he understood the type of loan I was talking about and offered a loan with the following terms : Beg.XXXX {$2000.00} loan / {$190.00} per mo./for 30 months/Maturity Date XX/XX/XXXX XXXX, Instructed to meet with a " MOBILE NOTARY '' at a parking lot at a XXXX XXXX in XXXX, AZ XXXXWE met with the notary, we signed the Contract, gave her the Title to a XXXX XXXX XXXX XXXX ( collateral ) she than took a picture of the Bike than handed us a Check for {$2000.00} BegXXXX made my scheduled monthly pmts. using Their " Automated Pay Line '' that gave me amount/date of my last pmt.Date/amount next pmt.due/also, any additional charges ( late fees, int., NSF fee etc ) were said and I would pay schedueled pmt.and the additional charges, a " Confirmation No. '' as my receipt at the end of the transaction.I got an extention in XXXX.On XX/XX/XXXX received notice by us mail approving my request stating One Scheduled Pmt. Would Be Put At The end of the loan Changing the Maturity Date to XXXX.I was charged {$50.00} towards my pmt.and the following month my scheduled pmt.PLUS the balance on the previous months pmt.
On XX/XX/XXXX thinking I was making my 30th and final pmt.just to be told a had a Balance Due of {$1300.00} DUE UPON MATURITY DATE I filled a dispute on this blance due with XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ID XXXX to Wilshire Consumer Credit XX/XX/XXXX initial rebuttal informing XXXX that they were going to respond by us mail.
XX/XX/XXXX received by mail pmt. history, notice of {$1300.00} XX/XX/XXXX 2nd rebuttal Informing Me that Contract, Monthly Billing Statements and 2nd Updated Balance due {$2000.00} that all this information explained all the charges and validity of the amounts, the maturity date and baloon pmt. was all in Contract and the new balance would keep adding up if not paid in full.
The " Terms '' of the loan was not elaborated in my conversation with Mr. XXXX, '' XXXXontract was not explained or gone over at signing.
The Last Billing statementioned I received was XX/XX/XXXX, even after calling customer service several times and e-mailed at least 3 times requesting updated statements and access to my account On Line to better manage my account, TO NO AVAIL! I WAS NOT CONCERNED ABOUT THE DETAILS OF THE CONTRACT NOR GETTING THE UPDATED Statements because I thought applying on line and meeting with their mobile notary, the choice was not given to me and assumed that was standard procedure.Also, using their Automated Payment Line with the monthly information given everytime I made a pmt. TO me, I was getting all the necessary updates I needed.
Also, I requested a particular loan that would PAY OFF AN EXISTING TITLE LOAN I was having difficulty paying off, WHY would I agree on a loan similar or worse than the loan I was wanting to Get out of.Contract nor the extention letter explains the baloon pmt.nor Maturity date.
I was deceived into signing a contract I did not ask for.My lack of understanding of loans, terms and finances and the added knowledge that I was on dissability, on a fixed income, bad credit and the need for a better. loan made me vulnerable.Their failure to disclose the true cost of loan I feel was deceitful, unfair and abusive.
I was a high risk borrower who the knew did not ask, want, need or afford making me a " high risk '' borrower most likely to " default '' .My only fault is I Trusted the information they gave me, trusted my well being and satisfaction was primary concern.I honestly did not understand details of interest rates, late charges, prime interest, baloon pmt , maturity date.My lax and disconcern about the details, resulting in my Total Surprise about the loan balance put me in this dilema. I can not pay the amount requested ( and Rising as we speak ) and fear our collateral being re possessed!
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I got an a used car finance through Westlake Financial. They sent a repo man to get my vehicle. I am XXXX. I told them I havent been feeling well and Social Security messed up my payments and I couldnt make a payment. In XX/XX/2023, Ok the last situation no one sent me the payment deferment papers. I check my email and the app and still no paper to sign. I got sick and when I felt a little better I called back to follow up. Because I had several missed calls from them. But nothing by mail. They said it wasnt approved because I didnt sign it. I informed them no one sent it to me. The customer service representative sent it to me again. Then I signed it and after immediately sent it back to him and he hung up before I even finished reading or signing. I file a complaint with the supervisor and told him he was rude and hung up on me because I was reading the contract which agreed to approve me and I asked if they have the right email. He hung up. I didnt even sign the paper yet. But I signed and sent and saved the contract. Also I made a {$50.00} payment to start a payment arrangement until XX/XX/XXXX because thats when XXXX said my situation should be fixed by that date, hopefully. I told them several times I had to go to the hospital to have XXXX. I will not be in my right mind to follow up. He said ok XXXX writing it now. I said again make sure you put in my notes that I am having XXXX I wont be able to follow up. He agreed and said he did. And here we are today where the repo man has took my vehicle. I dont even know this man I havent been contacted by mail or anything to give me a chance before my car is repossessed. I asked for several supervisors who either lied or hung up on me. When I asked what they do for people with financial hardships. They said payment arrangements and deferments. I said I did make a payment arrangement he went around that and said, Do you want your car reinstated or not? and start lying saying his son has and he just had his car repossessed but I still have to make the payment theres nothing anybody can do. Note this I am only 56 days late. He says I have to make a {$990.00} payment to get my vehicle from XXXX XXXX. The repo man just gave me a car with his name and number no address or anything. He could be stealing my car I dont know he didnt give me papers or anything to sign now that Im thinking about it. Also one supervisor told me he didnt see where I had signed the document then one seen where I did. I asked what about the payment arrangement he said its was for only 2 days. I said No it was for XX/XX/XXXX. I repeated and asked him and everything he said yes. The supervisor said No payment arrangements are only for 2 days. I just feel like I was discriminated against for having a XXXX and I feel my rights where violated because I made an agreement to pay when I paid the {$50.00}. I could follow up because I was having XXXX and I am sick. They say they see it in the notes, but he didnt care. I asked XXXX to request the audio recordings because I know what was said to me. He said it wasnt an employee code or anything just his name is XXXX and he was the supervisor. I asked for information to file a complaint and he gave me an email. I also asked for a physical address to write a letter he said it wasnt a physical office or anything just email that number. Also the first caller a woman couldnt get a supervisor on the phone I think she lied and wasnt even trying to help me. I ask if he can send me my file they have on me and my account he said no he cant send it to me without a court order and I needed a lawyer for that.
Also before that the agreement from I was approved in XXXX for deferment and In XX/XX/2023 they said I was approved for an extension and I signed it. Ok then they call me later saying it wasnt approved when you can read it and it says it approved and the customer representative said it was. I was so confused. One representative will tell I didnt do something then one will say I did. They just confused me because XXXX XXXX. I feel like my rights was violated.
|
| 01/14/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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violation of the Fair Credit violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Reporting Act 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
As you can see there is a need to protect your right to privacy.
Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
|
| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Servicemember |
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I do not have specific dates, however, I have been trying to resolve this issue with Westlake Financial for months now. I can not get Westlake 's Title Department to assist me with obtaining a duplicate title in order to get my car licensed in the state of XXXX, I have a 2010 XXXX XXXX financed with Westlake Finances. I recently moved from XXXX to XXXX. IN the move I have misplaced my title for the car. In order for me to get it legally licensed in the state of XXXX I must produce a title when I go to the County Clerk 's office in order to get the title switched from XXXX to XXXX. When I moved to XXXX I visited the XXXX XXXX Clerks office and they ask for a title. I told them I had misplaced it and they informed me to call XXXX and ask for a duplicate title. I called them and at first they said I would have to go to the closest XXXX XXXX office and complete the necessary paperwork to complete my request. At this time was when COVID began and most XXXX offices were closed. When the XXXX government resumed in person appointment 's I called to make an appointment and they informed me they could not give me a duplicate title where there car still had a lien on it with Westlake Financial Services and I would need to call them and get them to assist me with obtaining a duplicate title and that it was their responsibility to help me with getting a duplicate title. So, for four months now I have been dealing with Westlake Financial services and have gotten nowhere with them. Every street I go down with them is a dead end. The account manager I have been dealing with first gave me the number to their title department and there was never any answer, so I called him back and he gave me a new number and when I finally spoke with a representative they said they could not help me. So, I called my account manager back and informed him they were unwilling to assist me. From that point he emailed them and told them my need. So weeks later and many many calls later and nothing done my account manager informed me to make a request for a duplicate title in writing and I did and attempted to fax it to the number I was given. The number I tried to fax the request to would not work, so once again I called the finance manager back and I emailed it to him so he could direct it to the right entity in the title department. Weeks later and no response from anyone I called back and told they didn't even have my account on file, or I had the wrong number, and finally they had not heard anything back from XXXX or XXXX on what they needed to do? No one will help me and every attempt I have made gets nowhere but to a dead end. Evvery peron I speak with tells me something different and no one knows what they are doing. When they called yesterday to collect my payment I told them I would not be making another payment on the loan until someone does their job and helps me get a duplicate title to produce to the county clerk 's office here where I live. I have a car I have been paying for, for months now and can not even drive it because the tags are dead and it's not legal to drive. I will not pay another dime on it until someone at Westlake does their job and helps me get a duplicate title so I can license my car. Now they are calling and being very rude wanting their money, stating the car will go into repo status if I do not make a payment, but yet they won't assist me with a very simple matter. They act like I want a title free and clear to the car and I have enough sense to know that I can not get that until the car is paid off, I only want a duplicate title with their lien still listed on the title. I will not and I refuse to give them another cent until they make this right. I have no use for a car I can not legally drive because of their negligence. I will take my money elsewhere and buy a car that I can legally drive. A higher entity needs to be involved and make them do their job. As I stated before, this has been going on for months and no one will help me! I am basically paying for a car I can not even drive legally.
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX XXXX, I made a good faith effort to initiate a credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX via auto salesman XXXX XXXX, Finance Manager XXXX XXXX and Sales Rep ( Westlake ) XXXX XXXX. I had mentioned to XXXX XXXX over the phone that I had subpar credit and was apprehensive to buy anything, especially a car.
Westlake Financial had recently pre-approved me for a XXXX XXXX XXXX, but they were clear that I would need to put down {$13000.00}. I made it clear to XXXX XXXX that I had no intention of making such a sizable down payment and that I wasn't attempting to have any harsh credit inquiries conducted.
Through text, XXXX XXXX reassured me that it would only be a " soft inquiry '' or " soft hit '' and that they wouldn't submit until they had a car and an in-person agreement on the parameters.
l applied on their in person under the impression that it would just be a soft pull. I started receiving notifications from XXXX XXXX indicating my credit had been inquired within the subsequent 30 minutes.
Even though XXXX XXXX claimed they don't " blast banks, '' they ultimately pulled my credit 2 times, and I never gave them permission to do so because it harms my credit report, and the number of inquiries makes me look desperate as a consumer. As XXXX XXXX XXXX XXXX XXXX violated my consumer rights, XXXX XXXX was very dishonest and unethical.
According to 15 USC 1602 ( 1 ) of the Truth in Lending Act, your Social Security Number is considered your credit card. Running this number with no benefit to whom it belongs is considered " unauthorized use '' under 15 USC 1602 ( p ). In other words, XXXX XXXXXXXX XXXX XXXX XXXX violated the Truth in Lending Act 2 times in 30 minutes.
For no other reason than that another dealership gave me that amount without a hard pull, XXXX also advertised a {$13000.00} down payment. He would have never mentioned that sum if I hadn't told him, which is unethical. A down payment can not be indicated as necessary for a consumer credit transaction in accordance with 15 USC 1662 ( 2 ). Additionally, this law is attached.
An applicant can not be denied credit based on the fact that they used their right in good faith, in accordance with 15 USC 1691a ( 3 ). The Equal Credit Opportunity Act was established to shield customers from prejudice and unfair business practices. Applicants are shielded from discrimination in all facets of a credit transaction under Regulation B. It was discriminatory to promise me a deal but then inform me there wouldn't be one without the required down payment.
XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX had been calling and contacting me for more than a month, and the one time I agreed to communicate with them, I experienced prejudice and exploitation. XXXX XXXX words did not match his deeds, and I would not have submitted the original application if I had known that my credit would be checked 2 times.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Westlake Financial Services violated 15 USC 1602 ( p ) by fraudulently running my credit 2 times.
XXXX XXXXXXXX XXXX XXXX XXXX and Westlake Financial Services15 USC 1662 ( 2 ) by stating that a down payment is required to purchase a vehicle.
XXXX XXXX XXXX XXXX XXXX and Westlake Financial Services violated the Equal Credit Opportunity Act by rejecting me credit despite the fact that I applied in good faith.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Westlake Financial Services has failed to function as a financial institution in a fair and unbiased manner.
If XXXX XXXX XXXX XXXX XXXXXXXX and Westlake Financial Services does not take reasonable steps to remedy this situation for the unauthorized usage of my credit card, I shall hold XXXX XXXX XXXX XXXX XXXX and Westlake Financial Services criminally and civilly accountable for all real losses.
Under 15 USC 1611 AND 15 USC 1691e, you are civilly liable for any damages suffered and I am prepared to take legal action if need be.
Under Federal Reserve Section 16 APPLICATIONS ARE PAYMENT!
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| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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WestLake Portfolio Management has taken over an account for US Auto sales. I purchased a XXXX XXXX XXXX from US Auto Sales, however, I was still dealing with a dispute with US Auto Sales. I explained to WestLake Portfolio Management that I did not have a contract wit them. The address where I purchased the vehicle : US Auto Sales XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I purchased my vehicle on XX/XX/XXXX. I was working with XXXX XXXX at first. I was sent to US Auto sales in XXXX, Ga specifically to see XXXX. I noticed that the atmosphere was strange when I first got to US Auto Sales. XXXX XXXX was working with another XXXX XXXX XXXX with shoulder length XXXX hair. I did not want to work with XXXX XXXX because this female I recognized her from being at some other dealerships. Also, while I was there at the dealership, I noticed that XXXX and XXXX XXXX XXXX had a little argument because XXXX XXXX had kept trying to get me to work with him even though I made it clear that I was told to come see XXXX. XXXX XXXX had interfered with my transaction because XXXX was going to sell me a XXXX XXXX XXXX XXXX XXXX XXXX for XXXX monthly. However, XXXX XXXX XXXX would not let that happen. He wanted me to get the XXXX XXXX XXXX. It seemed like a nice vehicle at first, but then shortly after leaving the dealership the vehicle started giving me problems. I had reached out to XXXX because XXXX XXXX would not answer the phone for me. I had to give XXXX all of my messages for him. XXXX said that he was giving the messages to XXXX XXXX. Anyway I had a friend whose name was XXXX and she had a niece at the time that was in the XXXX XXXX program. It was an organization that helped the homeless. He was joking around and making fun of me about the vehicle with XXXX XXXX and her niece. I bet he probably even gave the XXXX to XXXX XXXX 's niece as well. Also, to make matters worse. I had made a payment with my debit card for a XXXX dollar down payment. XXXX XXXX basically said that I agreed to do pick up payments. However, this was definitely not true. I had made a XXXX dollar down payment no additional payments were needed. I also had paid another XXXX in XX/XX/XXXX because I was contacted by US Auto Sales stating that they were missing payments. Then I had to turn around and pay an additional XXXX again for the month of XXXX. I just started having issues with payments missing. I also was given a lemon car. XXXX XXXX told me that he was picking the XXXX XXXX up from the dealership. However, he went and got the vehicle from an auction. I was trying to get in touch with US Auto Sales at the following phone numbers : XXXX, XXXX, XXXX and no one answered at these phone numbers. US Auto Sales transferred the account to XXXX XXXX XXXX. They are supposed to be handling the account now but I was never given the opportunity for arbitration or mediation between myself and WestLake Portfolio Management. I have been trying to locate attorneys in Georgia and have not been able to find anAuto fraud Loan attorney. Today, on XX/XX/XXXX one of the representatives from WestLake Portfolio Management told me that he didn't have any contact information for US Auto Sales. He also said that I had been going on for twenty five minutes and he couldn't really do anything about my situation. I have reached out to XXXX XXXX but I think that further action is needed. The phone number for Westlake Portfolio Management is XXXX. They have repossessed the vehicle but it falls under a no right repossession law. I never said that I did not want the vehicle. WestLake Portfolio Management is talking about selling the vehicle at an auction. I told them that I need to get my personal items and license plate out of the vehicle as well as my registration for the vehicle.Westlake Portfolio Management can be reached at the following address : Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like to know if the Consumer Financial Protection Bureau is able to get me in touch with a military liasion.
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| 01/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have had an auto loan with Westlake Financial since I purchased my vehicle from XXXX back in XX/XX/XXXX. I finding out now a lot of things that was not told to me before and also that I do not recognize in my contract. When speaking to a rep about it he could n't give me the page in my contract where it was listed, but instead asked me to send him a copy of the contract because he do n't have one and that XXXX was supposed to verbally inform me of these things. This company has placed so many extra fees and charges on me out of nowhere and for everything making it impossible to pay my principle balance down. I paid a {$4700.00} down payment and was also told by an employee that I have paid close to if not over 10,00 dollars additional to that and only about {$1500.00} of that has went towards my principal balance. My principal has even went up. I was told that the only way I can bring my principal down is to pay extra or earlier. There is no way that I can do that being that I am a single mother of XXXX and have other bills as well. I was recently informed that there is a {$7.00} charge per day and an additional XXXX every day that I am late. I was also recently informed that because of me changing my due date in the second month of my term from the XXXX of every month to the XXXX after being offered it to make my payments " more convenient for me '', that I am being charged interest as well for that ten day gap each month. This company will offer you an " extension to help you get caught up '' but will not tell you that the extension builds of interest as well. For an example I was involved in what was considered a national disaster, Hurricane XXXX. They told me that they were offering customers a two month extension because of the crisis, but did n't mention that everyday in between that time and my next payment that I would be charge interest. My pay off date was supposed to be in XX/XX/XXXX, but I just found out the other day that it has been changed to XX/XX/XXXX. My vehicle was repossessed after talking to representatives and informing them on Tuesday that my payment was going to be paid on Friday. Friday when I woke up my car was gone. This was on XX/XX/XXXX. I got my car back on the XXXX. Ii was told prior to getting my car back that I had to make my past due payment and the new one that had just came, plus the repossession fee. I made three payments which would have caught me up completely and made XXXX payment as well. I also paid the repo fee. Now looking at a complete payment history that was sent to me it was stated that the repo fee was {$570.00} and they will not explain to me what costed {$570.00} after I was told that it was {$300.00}. They charged me for that and out of three payments of XXXX, only {$600.00} went towards my principle. They reported to the credit bureau that Ii failed to pay 3 months including that XXXX, XXXX and XX/XX/XXXXwhich is not correct, as well as other times, causing harm to my credit, but will not update it. Ii have tried to make payment the following week or even pay at least half and the other half next week, but they will not allow it and would say it has to be paid today or make remarks about putting my car up for repossession. Not only this, I have also received harassing phone calls at inappropriate times and back to back while at work and in church. Westlake has also called people that I did n't authorize them to call or numbers that Ii called them from giving out info that should not be disclosed to these people. I called and asked them about giving the car back and they said that If i would they would put it on my credit report as a repo and if they ca n't auction it for the pay off of XXXX that I would be responsible for what is remaining. I 've become completely devastated and want to get out of the loan with this company. I see after investigating that I am not the only person having issues with Westlake. If I do n't i will be paying over 40,000 dollars for a XXXX. Please Help.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
Account XXXX Account XXXX Account XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( Us Auto Sales XXXX XXXX XXXX XXXX ) I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( Westlake portfolio management ) did not disclose this information to me that is required by federal law.
( Westlake portfolio management ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.
( Westlake portfolio management ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Best Regards XXXX XXXX
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| 06/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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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.
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| 01/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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The arrangements and contract of guarantee from XXXX XXXX and XXXX XXXX dated XXXX and agreed to pay in addition to the loan balance, they would pay all XXXX fees and storage bills. On XXXX Westlake Insurance Dept . without notice to the insurance company or us, hired XXXX XXXX to remove the truck to an unknown location under the pretense of repossession. There was no default of loan, no repossession, and no abandonment. They claimed that they moved the vehicle to stop storage fees. XXXX XXXX XXXX and us received a email from XXXX XXXX XXXX with Westlake Financial Insurance Claims confirming this fact. However, they billed the insurance for additional storage fees from the lot they moved it to. The insurance paid the payoff amount and all of the charges including both XXXX bills, storage fees to XXXX. XXXX and storage fees at the second location.
In order to pick up the vehicle from XXXX. XXXX, Westlake filed papers with XXXX XXXX that the vehicle was abandoned at a impound lot and they were retrieving collateral property. This fraudulent filings because my Insurance had already guaranteed payment in full and myself notified every party involved, the location of the vehicle and the insurance obtained the payoff with a Letter of Guarantee with a 15 day grace period. XXXX XXXX Director of Insurance Claims handled this claim with XXXX XXXX XXXX XXXX XXXX XXXX adjusters for XXXX XXXX XXXX. They paid all of the charges except the repo fee because it was invalid due to the fact that Westlake had already made an agreement with XXXX in writing to take possession of the vehicle on XXXX The vehicle was released to XXXX XXXX and title transferred as paid in full and the insurance received the title.
The false information has been reported to all three credit bureaus as a charge off for 14 months. This has caused major damage to our line of credit and has resulted in having to paying higher interest rates. The false and misleading information started with false statement on a Texas government document in order to obtain the vehicle. False reporting to credit agency causing undo financial burden. They have caused our credit score to drop almost 300 points each this year. I notified the credit reporting agencies, Westlake Insurance Dept., Westlake Collection Dept., Westlake Customer Service, XXXX XXXX XXXX with Westlake Financial Insurance Claims, and XXXX XXXX XXXX of Insurance Claims that this was a dispute, To date I have received no documents or information. Westlake Financial continues to validate the charge off with no response or acknowledgement of the dispute. This has caused damages to my corporation line of credit. I have requested all the paperwork in regards to this claim. I have requested an audit of the account and under the Freedom of Information Act I request a copy of all communication documents and emails between all parties involved. The three credit reporting agencies received the dispute and now refuse to address the matter because Westlake Financial claims it is valid. In regards to their responses when I call Westlake Financial, they have been rude, non-compliant with Federal laws, they continue to ignore the dispute, and have turned it over to a collection agency who also refuses to comply. I have been screamed at and told I just need to pay my bills. Now I being harassed with continuous settlement offers and promises of settled in full. We did not settle we paid in full. This not an isolated case with Westlake Financial. Most of the dealership in this area refuse to use Westlake because of their poor business tactics. I believe that Westlake Financial violated both TDCPA, FDCPA, violated Texas Vehicle Storage Laws and committed violations under the CFPB. Westlake has hundreds of these complaints and no one has yet to stop them.
I have attached all documents and emails that transpired and two of the dispute emails to Westlake.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My complaint is about US Auto Sales. I got my loan XX/XX/XXXX. I was having having issues with my car and desperate need of a car. My credit needed some fixing so my options was low. US Auto Sales responded to my inquiry from my credit bureau inquiry. The encouraged me to come in and I would be able to drive out with a car. When I came in the dealers only showed me 2 of the most expensive cars and said they can draw up the loan documents. I told them I wanted to look around first and test drive the cars first. They was extremely pushy. I ended up choosing the XXXX and I said I would like to move forward. They asked for my down payment and that would follow up with a signing of the contract. I asked for the car inspection report. I am buying a XXXX car in XXXX I want to know what was wrong with it. The owner told me it's in good condition he will give it to me after I pay. I paid and he just sat me down and told me to sign the documents. I started asking necessary questions about the contract and the inspection report and he said everything is there and everything is ok. He kept talking fast and just kept pushing me to sign. I mentioned how dirty the car was. The car looked like it was driven in the mud and had dog hairs in it from the previous owner he ensured it would be cleaned. After I signed the documents he left for at least 30 minutes and handed me the contract copies and keys and walked away. The dealer asked that I buy him lunch for his bonus. I asked was the car cleaned and what about the report. He said everything was in my envelope and come back the evening to get it cleaned that he had no time to do anything. I ended up just taking the car to get detailed myself because I did not feel comfortable. I read my contract and noticed I did sign a predatory loan. The car also had a recall so I had to take the car to XXXX immediately the next day. After the car was returned my 3 day trail to return the car was up. Based on the terms I could not cancel the contract after signing I could only exchange the car for the same value within 3 days. I was stuck by that point. My first payment was due weeks later and it fell on a Wednesday, I called at least a week prior and asked can I move it to Friday because that was my payday. They told me if I don't pay it on Wednesday they will disable my car and repo just the day after. I told them I called more then 48 hours later and if they can see my pay schedule that was my pay day. They let me know my explanation is not their concern if I don't have it in by Wednesday by XXXX I will lose my car. I was able to ask for a loan to pay it on time because I needed my car. I had to take out more debt because of their threats. My hot air was not working and my tires seemed to have issues. I only could take it to XXXX XXXX based on their terms to fix it and it was only less then 30 days in. XXXX XXXX looked at the car and said everything was ok. I asked them why do I have these issues and they ensured me they can't respond because they did not want to lose their contract with US Auto Sales and there's things they can't talk about. I took the car else where and found out the filters haven't been changed for years and I had to pay for that. I also found out there was issues with the alignment and potentially more but I had to run a full diagnoses. I did not have the money to do so now I'm just driving a car that I'm praying will not give out. Currently something is leaking from the car and I haven't made it to 1 year since I got the car. US Auto has closed down without notification AND reserviced the loan elsewhere. A friend had to tell me they closed and I XXXX to find out they closed. The new servicer only emailed me to pay them. I don't even know if I'm paying a real company. I'm going by XXXX and no real proof of loan so I'm worried I'll be able to receive the title after pay off.
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| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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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.
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| 10/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am a current customer of Westlake Financial Services. I have experienced excessive harassment from them concerning payments. The most recent harassment and threats occurred in XXXX XXXX.
Here are XXXX examples of the issues with this company.
First, I purchased a XXXX CHEVROLET SILVERADO from XXXX Auto Sales in XXXX, XXXX in XX/XX/XXXX.
The loan transferred to Westlake Financial Services, after the sale. I called XXXX after a year of on time payments to inquire about dropping this excessive interest rate of 26 %. At that point, it was explained that they do not refinance vehicles over 10 years old. There was no mention of this at any point before I purchased the vehicle. This past XX/XX/XXXX I had some work done to the truck, after a small auto accident. However, when the insurance agent inspected truck and checked VIN number, they disclosed to me that this truck was totaled out in XXXX long before I purchased said vehicle. ( VIN report to validate this information attached ) I contacted Westlake Financial Services and they advised proof of having a clean title, and they do business with XXXX Auto Sales all the time. I emailed a copy of the VIN report to Westlake to " investigate ''. I use that term loosely as the " investigation '' was a call back stating what a representative had already told me about having a clean title. Moreover, since they have a clean title, I am bound to contract to pay or have my vehicle repossessed. Then they proceeded to follow up with threats of having repossession on my credit report.
Second, my auto payment is due on the XXXX of every month, due to unforeseen circumstances I had to wait for my pay check which caused my payment to be 4 days late. However, I started to receive the collection calls on the XXXX. One day after payment was due. The collection agency on behalf of Westlake, I spoke with them advising of the situation as I normally have them paid before or on the due date. When I attempted to pay my auto account online using Westlake online payment system on XXXX/XXXX/XXXX, the online account was locked. I contacted customer service and got directed to the pay by phone feature. I paid my balance via checking account and received a confirmation number for the payment. I received another collection call the week of XXXX XXXX. This time the very impolite agent advised me that I had not paid my bill and If I did n't pay ASAP it would be placed on my credit report as delinquent. Again, another call the same day, I explained that I did pay, and I needed to check my bank account, the agent said if I did n't pay ASAP he would have the truck repossessed, at this time the account was between 7- 9 days past due! When I spoke with customer service, they advised that the bank payment " could not be located '' and the issue with being locked out of my account was because they locked it for being late. Asking if I could pay again, I was advised that my only payment options were locating a payment center at XXXX XXXX or XXXX XXXX. If I could not do that, they were coming to repossess the vehicle. When I asked for a supervisor, they could not accommodate and I would receive a call back, which never occurred. Then I sent an email to customer service, with no prompt response either. I had to call back and escalate XXXX other times to get a supervisor on the phone who would hear my situation. I was advised that they would waive all fee 's and process payment. Late payment fees and NSF charge from the company in total of {$70.00}. They took payment on XXXX XXXX and my account did not release funds until XXXX XXXX. This led to even more calls from inconsiderate, threatening, and harassing collection agents.
I feel ask though I have been taken advantage of by this company. They have no care or concern for the consumer. Nor have they bothered to report ANY of my on time payments to the cr
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| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXXXXXX info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number - XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number -XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number - XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX credit file is unlocked.
Locking your credit file can help prevent unauthorized access.
file unlocked More on XXXX Keep in mind, not all inquiries are factored into your XXXX Score. Inquiries stay on your credit report for two years but only impact your XXXX Score for the first year. Also, XXXX may group loan inquiries together so you aren't penalized for shopping for a better rate.
0public records This is where public records, such as bankruptcies, would appear on your report.
owl-branch What's a credit report?
Your credit report is a detailed record of all your credit and debt accounts.
It contains info about how much debt you have, how often you pay your credit and debt bills on time, and how long you have been managing your credit accounts.
XXXX XXXX XXXX XXXXXXXX Curious about credit?
XXXX XXXX XXXXXXXX a deeper understanding of how credit works and pick up tips for improving your credit scores.
Learn more FAQs What is a credit report?
What is included in a credit report?
What is not included in a credit report?
Where does the information in your credit reports come from?
Will checking your credit reports hurt your credit score?
When is your XXXX credit report updated?
undefined Speak espaol? Download a printable copy of your informe XXXX XXXX XXXX XXXX
Get XXXX XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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Westlake Portfolio Management Company ( XXXX XXXX XXXX XXXX XXXX, CA ) bought out my car loan for XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX ( Oklahoma XXXX, OK ).
The first complaint is that Westlake Portfolio insisted and even tried to coerce me to pay bi-weekly when my financial agreement I signed with XXXX XXXX XXXX on XX/XX/XXXX was monthly. It was not until I proved after 12 attempts by calling Westlake Portfolio and proving via my contract that I pay monthly and I am not past due in the amount of {$1000.00}. Total number of calls that Westlake Portfolio made to me during a 3 week period : 19.
Second complaint is that on XX/XX/XXXX, Westlake Portfolio made 3 calls stating that my payment I made on XX/XX/XXXX did not go thru and I was still owed {$510.00} for the month of XXXX. I provided my confirmation number I received when I made the payment on Westlake Portfolio Online Payment System and a copy of my bank account statement Third complaint and most aggressive attempt from Westlake Portfolio ( which is still ongoing ). XX/XX/XXXX I started receiving calls from an obscure phone number ( XXXX ) that I never paid the XXXX portion of my car loan. I paid on XX/XX/XXXX ( according to bank statements and the actual car dealership itself XXXX XXXX XXXX XXXX {$510.00} via debit card transaction. Westlake Portfolio bought my loan from XXXX XXXX XXXX ( statement made by customer service supervisor at Westlake Portfolio on XX/XX/XXXX ) the very next day on XX/XX/XXXX. I was told by Westlake Portfolio customer service supervisor on XX/XX/XXXX that if I could send in bank statement proving that I made my car payments to XXXX XXXX XXXX that it would clear it up. I sent screen captures of my bank account statements and the actual page of my statement which proved that on XX/XX/XXXX I made the payment of XXXX, furthermore I included all my payments which XX/XX/XXXX for XXXX Payment, XX/XX/XXXX for XXXX payment, XX/XX/XXXX for XXXX payment, XX/XX/XXXX for XXXX payment all in the amount of {$510.00}. I have provided without a shred of doubt I have made all of my payments in the life of my car loan. I sent these emails as told by the supervisor on XX/XX/XXXX to XXXX and to XXXX. On XX/XX/XXXX I received 2 calls from Westlake Portfolio stating I was behind XXXX and on same day I received a letter stating the same and that I need to pay this amount as soon as possible in order to prevent further collections ( auto repossession ).
I do not know who else to contact so I decided to go this route to hopefully get Westlake Portfolio to fix my issues and stop these aggressive and schrewed tactics. I feel they use these bullying tactics and unfounded claims of being behind on payments company wide in order to get customers to pay with threats of repossession. I have done everything Westlake Portfolio requested to prove I am not behind and in fact I made all my payments on time and they are still saying that I am past due. They use shrouded tactics and bullying me to make payments I already have.
I had to prove I pay monthly ( with copy of my contract which allegedly the customer service personnel don't have access to ) and time to time when the next issue pops up and I have to call customer service, Westlake Portfolio will sometimes say I pay bi-weekly.
They said my payment didn't go through for XX/XX/XXXX payment I made, after I provided my confirmation number and bank statement that issue was resolved.
Now they say that I never paid for the month of XXXX, even though I proved thru and thru I made my payment thru my car dealership the day before Westlake Portfolio bought out my Automobile Loan.
This company is by far the most problematic company I have ever dealt with and they try bullying tactics I have never seen before from a American Company. I need help to give me a voice against them. Thank you
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| 10/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Westlake Financial Services threatened to negative action and did take negative action to seize my property.
Westlake Financial Services is in violation of 15 USC 1692d ( 1 ) debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Westlake financial has threaten to ruin my reputation by reporting my private information to the consumer reporting agencies.
Westlake Financial Services is in violation of 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Westlake Financial Services sent me letters with abuse language. Threatened damage my credit.
Westlake Financial Services is in violation of 15 USC 1692 ( a ) Abusive practicesThere is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Westlake Financial Services is invading my right privacy.
Westlake Financial Services is in violation of 15 USC 1692e ( 4 ) ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Westlake financial Services threatened to seize my property and seized my property.
I already gave a non negotiable instrument for payment of the vehicle. The contract I signed was false and misleading. I was never clearly and conspicuously disclosed my right to rescind the transaction. I was never provided any of the appropriate forms to rescind any transaction. Violation of 15 USC 1635. It says that The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
16 CFR 433.1 ( i ) ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
I provided a promissory note that was a consumer credit contract, which is a instrument.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ) ( 4 ) ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
Westlake financial Services is not exempt and I the consumer am asserting my rights against Westlake financial Services.
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| 05/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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The following is a complaint I would like to submit regarding an account with Westlake Financial services. I had an active account from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I came across an article by the Consumer Financial protection Bureau in which they state that Westlake Services , LLC had used illegal practices that violated the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act during the period of XXXX XXXX and XXXX XXXX. I myself had an account with this company. By the way, I was a co-signer and not the primary signer. I also contacted Westlake and spoke to a supervisor back in XXXX XXXX regarding these allegations and was told that I would be receiving a letter regarding this matter within 120 days. It is now XXXX XXXX, XXXX and unfortunately have not heard or received anything from Westlake.
There was a period in which my brother became delinquent on the auto loan payments. During this time, I began receiving threat calls from Westlake representatives in which they would intimidate me. At first I would tell them that I did not care if they repossessed the car. I would explain to them that I was visually impaired and had no need for the car. They would ignore me and would say that they would pick-up the car, my credit would be damaged, and I would be prosecuted. Such threats lead me to ditch other financial responsibilities such as credit card payments and other loans in order to avoid such events. This resulted in all my accounts going into collection. I do have proof through copies of credit reports.
This loan was plagued with problems since the beginning. For example, the dealer ( XXXX XXXX ) located in XXXX XXXX had agreed to a 16 percent interest rate and a 5 year term which we signed the contract for. However, about a week later we were called back in and were persuade to signed another contract. On this one the terms had been modified to a 42 month term. The dealer had explained that due to this, we would have a little higher payment but would end up paying less interest and much quicker. We ended up being financed through Westlake Services , LLC with an interest rate of 23.99 percent and a {$590.00} payment for financing {$16000.00}. All in all, I ended up paying over {$30000.00} for this vehicle. In addition, terms such as maturity date and fees were also changed during the time of the loan. For example, the hard copy contract shows the maturity date as XXXX/XXXX/XXXX but was later changed to XXXX/XXXX/XXXX. By the time the last payment was due, I still had a balance of {$3500.00} which I was successfully able to refinanced through XXXX University XXXX XXXX XXXX XXXX XXXX.
Intimidations by This company came in different forms. There were several occasions in which Westlake Services use spoofing tactics to get me to answer their calls. They would also call other persons who were listed as references to let them know we were behind on payments. I do believe calls were being monitored during the times we spoke as I was advised that calls were being monitored and recorded the times we were contacted. During this loan period, I also was confronted by individuals who said they were repossessing the car. I even had one individual knock at my door after XXXX. Such repossession events lead to repossession fees being added to my account. This went on even though the car was never repossessed. I had so many fees added to my account by the time the maturity date came, I thought I would not be able to pay. In fact, I asked for some of the fees to be waved and was not successful. I also explain that I was still paying a payment on a car that required mechanical repairs. There had been an extended mechanical warranty added to the purchase but never appeared when needed.
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| 12/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Now, we have been the victim of financial mismanagement by an auto finance company ; Westlake Financial XXXX XXXX XXXX, who financed an automobile purchased for our XXXX XXXX XXXX daughter upon her recent graduation from XXXX high school which amounted to approximately XXXX with a down payment of XXXX plus costs. About a month after making the first payment she was rear-ended in a XXXX car accident which subsequently went to arbitration determining that another driver covered by XXXX XXXX was determined to be at fault. Our XXXX insurance had her and the car covered, which insurer paid Westlake XXXX plus. Included in the transaction was XXXX insurance covered by the finance company itself, a division of Westlake. Although Westlake was notified of the accident, they continued to harass us by phone and correspondence that other payments were due. This went on continuously for a month and a half at the rate of a dozen calls per day ( XXXX kept a record ). I then sent a registered cease and desist letter, a copy of which I have attached. That did not deter them in any way as the calls kept coming. Of course I found out that they were separate departments and one did not inform the other, typical of these companies who think that automation will take care of everything. Their personnel got very nasty with me when I tried to explain and I feel certain that their next act was out of vengeance, which was to report that the car was 'REPOSSESSED '' - that was the final blow. Her credit score has dropped to around XXXX when it was XXXX before this episode.
We have enlisted the aid of XXXX XXXX, who specialize in repairing credit, however that does n't solve the main problem - the damages incurred by Westlake Finance.
Of course, we are seeking an attorney for XXXX so that we may recover serious damages inflicted by West Lake Financial for their purposefully malicious negligence and due diligence failure. While much of this is a result of 'Business Automation ', it is no excuse for their obvious negligence - " The right not knowing what the left is doing ''. Additionally, West Lake Financial, insurer of the XXXX on the same auto, was paid up-to-date as agreed to with regard to the finance agreement, up to the point of the accident, when XXXX took possession of the automobile and claimed its status as 'totaled ', thence paying $ XXXX plus, up front, even though XXXX was the insurer for the party responsible for the accident as determined in arbitration. Westlake has continued to attempt to decrease their liability by claiming that we still owe them when they, the holder of the XXXX, should have satisfied all - a XXXX is a XXXX Is a XXXX. Unfortunately many companies are depending on automation to solve their productivity problems while unknowingly creating greater ones with the burden being placed on the consumer.
Her credibility together with increased financial burdens have been seriously affected thus denying our consumer rights. Moreover, the credit reporting company 's involvement has indeed compounded the situation considerably. They also can not continue accepting false information and then publishing it with impunity - particularly in XXXX 's case, to wit ; providing information that the auto in question was 'Repossessed ' when in fact 'Totaled ', as the term is used. The XXXX insurance business is a 'Risk ' ; however they clearly are attempting to evade that which they take, and continue to escape responsibility.
This kind of business operation, 'neglect of due diligence through automated reliance ' is unfortunately, a prolific practice used throughout today 's business culture and needs to be addressed with full vigilance. We look forward to achieving some semblance of success and maybe do something about this obvious practice of, for lack of a better word, XXXX the consumer.
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| 08/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX Pickup truck, financed by Westlake Financial Services. Payments commenced on XX/XX/XXXX in the amount of {$790.00} monthly with a 10 day grace period. My payments in the amount of {$790.00} were made and recorded by Westlake Financial going forward on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX.
I have maintained in good standing full coverage comprehensive, collision and liability on the vehicle from the date of purchase.
On XX/XX/XXXX, I was involved in a high speed head on collision at XXXX XXXX. Following the accident my truck was towed by XXXX XXXX to their wrecker yard where it remained as far as I knew. My injuries in the accident required 24 days of hospitalization and two XXXX XXXX to repair my XXXX XXXX XXXX. While still in the hospital I made the XX/XX/XXXX payment to ensure I was not in default on my loan.
While all of this was going on Westlake Financial Services was plotting a way to STEAL my truck.Although I was not in default in any way, on XX/XX/XXXX, Westlake Financial Services sent a subsidiary, Repossessions Incorporated to XXXX XXXX and REPOSSESSED my truck. I was never contacted in any way nor was any attempt made to contact me. Neither did they contact my insurer nor did they make any attempt to contact my insurer. We discovered these eventualities when my insurance adjuster and I placed a call to XXXX XXXX to find out where my truck was so the assessment and valuation could begin by my insurer.
Upon learning of the repossession on XX/XX/XXXX, XXXX XXXX, my adjuster and I began placing calls to Westlake Financial Services in an effort to get the issue resolved. We spent a total of almost 5 hours on the telephone being bounced around from one person or one department to another. The response from everyone was the same ; we will not tell you anything about the truck. It has been repossessed. If you pay all the fees we can dream up and the fees for the wrecking yard we will begin releasing information on the location of the truck. We were at one point sent to XXXX XXXX XXXX XXXX MN to be told they could not tell us anything about the repossession. Then we were sent to a Public adjuster who Westlake Financial Services retained to process their own nefarious claim on my pickup truck. They too were close mouthed with one exception, they let it slip that the truck was in XXXX LA, still in the local vicinity, but would not tell us exactly where.
We called back to Westlake Financial and again sought a resolution and were rudely rebuffed and talked to like XXXX. All we wanted to know, Why the repo, where is the truck, and what do we have to do to get the truck back in the possession of myself and my insurer. They would not cooperate at all.
Having spent time considering this entire situation, I can only come to one conclusion for their action. It is the intent of Westlake Financial to use their public adjuster to establish a low ball valuation of my truck in order to exacerbate the difference between the payoff and the valuation, thus allowing them to obtain a large judgment against me for the difference. Certainly there are civil violations in their actions. Certainly there are Louisiana Statutory violations in their actions both civil and criminal per the Office of the Attorney General of the State of Louisiana, the Office of Financial Institutions of the State of Louisiana, and the Louisiana Motor Vehicle Commission.
In essence, WEstlake Financial Services Stole my interest in my truck under fraudulent and false pretenses! They have defrauded me, falsely reported to my credit report, and caused me undue stress at a time when I need to be focusing on my physical recovery from my injuries!
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| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/XXXX I called Wilshire Consumer Credit and I ask how much is my pay off amount to pay the title loan off and the representative put me on brief hold and said it was about XXXX or XXXX and some change to pay it off. I told her I have XXXX right now to pay it off can we do that. She said let me ask my supervisor and see if we can do that, then they put me on a brief hold again for like 5 mins then another person got on the phone and I explained that I was waiting for a decision from a supervisor to pay off my balance for XXXX. The representative put me on hold again for another five minutes then said it's fine. He said it'll be a fee if the representative do it or they can transfer me to the operator and I can pay it through the automatic machine free of charge so I said ok. I paid it over the phone within a few mins XXXX was automatically deducted from my account. I called again like five minutes later to ask how long will the process take to show it was paid. The representative then said a couple of days so I was a little ignored because XXXX already has been deducted but at this point it's nothing I can do but just wait. So a few days past I called Wilshire Consumer Credit again to make sure my account was paid off like they said it'll take, and to ask how long will it take to get my title to my car back. The representative that spoke to me told me that my account was still not cleared to being paid off I have a reminder amount of XXXX and something. I then explain to them that a supervisor gave clearance to the representative that all I had to pay was XXXX to pay my title loan off. This conversation should be recorded and documented what's the problem. They then proceed to say we don't have no recording of you talking to a representative about asking a supervisor for approval for XXXX. I then began to be scared because at this point I don't know who am I talking to and why if it's a loan office my conversation is not being recorded and why did they agreed XXXX now their changing the amount. I immediately got upset and ask to speak to a manager. The manager proceeded to say sorry ma'am theirs no recording and theirs nothing I can do and hung up on me. I called their customer service number again and ask for their corporate contact. They only gave me a complaint email and that was it. I emailed the corporate office and never heard anything. After that conversation I immediately called my XXXX XXXX XXXX to report this situation because at this point I don't know if it's fraud or what. XXXX XXXX granted my money back. A week later I got a called from another representative saying he was the manager and he agreed to settle for XXXX I told him am no longer interested because am not sure if this customer service number or the people working for this company is legit. I immediately disputed it to all three credit bureaus and their was no action taken. The account balance is wrong and I disputed a couple times already. Now today XX/XX/XXXX, Wilshire Consumer credit says my balance went up because their been a couple of times I called to change the payment date. I told them I never called them or spoke to them about changing my payment date so how are you charging me fees and I ask them about my monthly balance not reflecting the correct amount. They said because I change the payment date. I ask for the recording of me calling to change the date. They then proceeded to say their going to transfer my account to higher authorities to make sure their wasn't no fraudulent person changing my date and they can go over the recording. They said it will take a few days for them to figure it out. At this point I'm just confused and I want to make a complaint. It seem to me they over charging me and they won't let me pay off my correct balance to pay off the loan.
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| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Westlake Financial Services has placed false & incorrect information on my credit report, which I filed a dispute for with XXXX.
They reported payments made from XXXX - XX/XX/2017 and no payments were ever made. The papers for the original loan were not completed until XX/XX/2017, how could payments be made XXXX, XXXX & XXXX when the loan didn't exist yet? Once the loan was processed with the paperwork by my son, not me and we left the XXXX XXXX XXXX XXXX XXXX dealership the truck broke down and went through repairs over the next 3 weeks. My son was told, by XXXX XXXX ( Manager ), what to say to the bank when they called him or else he would not be able to keep the truck, so he did 3 days after the purchase speak with the bank rep and told them what he was told to say ( which was written on his envelope by Manager ; Down Payment {$8500.00} ( which was not given, there was a trade in ) / Drivers : my son and me only & the truck runs good ) while the truck was in the shop with a " promise '' all would be fixed. Over the next 3 weeks it was back at the dealership 4 times, the last time it was to be repaired locally, when we spoke with the dealership. After this the dealership closed down and disappeared when we tried to return the truck. The bank told us they have no title for the truck and they don't want it because they can not do anything with it without a title and we informed the bank no payments would be made on the auto loan due to us being given false information and no proper repairs to the truck. This was when they told us they could do nothing with it and had numerous other auto loans from this dealer that they also had no titles for and would be processing a complaint and lawsuit against the dealership if they could find them. The first dealings with the bank about no longer wanting the truck, nor needing the loan was around XX/XX/2017, which was within the first 30 days of the paperwork being processed. The bank was also notified that we tried to return the truck to the dealership which was when we discovered they were gone from the site and no longer answered any calls on any numbers that we had.
We do not have possession of the vehicle, no payments were ever made on the loan, I never signed anything for paperwork on this loan, the dealership Manager, XXXX told me I was not needed on the loan, but somehow I was added on the loan when the papers were signed electronically. The only thing that I signed was an We Owe document stating what the dealership agreed to repair on the truck as part of the loan agreement and a few other docs that the dealership explained were for their use only due to me being his parent and his first loan, but it would solely be his responsibility, not mine. Then he specifically told me when I asked that I didn't have to be the cosigner on the loan and my son could be on the loan by himself. I did not sign loan documents ( My son has copies of the loan docs that he was given which will be attached ), therefore the bank should not be able to legally file anything on my credit report. Copies of documents referenced are attached to this complaint.
Also, aside from that I feel that the fact is this bank is crooked and files false information on peoples credit reports like mine and my sons. I want this removed from my credit reports, all 3 bureaus. If I can not get this resolved without having to take legal action, my next step will be to pursue a law suit against Westlake Financial and anyone else involved in the false reporting of information to our credit reports therefore causing distress and excessive upfront costs due to the drop in credit scores and unable to proceed with certain other endeavors to improve our lives, ie .... Purchasing a vehicle that does run, purchasing a home, refinancing our home.
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| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In the XX/XX/XXXX I totaled my vehicle. It was so upsetting I had to scramble to get another so I could get to work. I had a long bought of unemployment before that and a little XXXX girl to take care of my. Transportation and Job are very important to me. You would assume that a tragedy like this is something you would experience once in a lifetime if ever but that is not the way WestLake treated me through this process at all. First off my original loan was with XXXX XXXX. Despite my unemployment, I never missed any payments for either company. The communication was poor with XXXX and worse with Westlake. I received nothing in the mail telling me when Westlake took over my loan. Nothing!! My XXXX payment was kicked back that XXXX nearly two weeks after it was due with no vendor to pay not because the money was n't there. I received no calls from Westlake either looking for payment. I had to hunt down emails in my email box to find XXXX email from XXXX saying a new company was taking it over Westlake this was XX/XX/XXXX. So I searched my email for Westlake and had XXXX email from them- again nothing in writing nothing in the email. The email link to set up a new account did not work, I had to look up the company online to call them. Nearly when my next payment was due they set up my ACH withdrawal over the phone, apologized profusely for the transition confusion and said they totally understood that I should n't have to make XXXX payments in XXXX that they would defer XXXX infinitely and pay when I could. Now back to XX/XX/XXXX, I have a XXXX accident but have all the necessary insurance I need. I received NOT XXXX DOCUMENT from Westlake once again explaining this process as if I would be an expert in a once in a lifetime tragedy. I am sorry that they have a department that deals with these issues daily but show some empathy, compassion and customer service and figure out how to help your customer through this process instead of treat them like a delinquent only calling to demand money! With no knowledge each and every time on my case what I was going through and where I was at in the process. Just a bill collector call with no back up!! Complete disconnect to other departments and not nice at all. I am your best friend when I am making my {$400.00} dollars payment to you each month but I am literally harassed with no substance phone calls when I have totaled my car and you know I have the proper insurance what is the issue. THE PROCESS TAKES TIME!!! FIX YOUR BOOKS TO REFLECT THAT!!!!! XXXX said that they would pay not worry. Than payment was n't made for nearly a month later. When Westlake was still calling me and I would ask well why is there still money due they would always well ask the insurance company. Finally when I spoke with XXXX they said well did you talk to Westlake you have XXXX insurance. Then I went back to Westlake and they said oh ok well you need to just talk to our XXXX department and file a claim. I was horrified, and made it very clear to them this better not be effecting my credit when you guys again do n't have this transparency in your departments. I pay them my XXXX insurance money with my loan each month they pay the XXXX insurance on my behalf but it did n't occur to them to notify me that that was the next step something was n't automatically done to initiate this process on their side again like I said earlier this is a once in lifetime thing for me what the heck!! I get transferred to someone else that person takes down my XXXX claim information my claim had begun ... or so I thought. I go in more detail in the attachment there is n't enough space to explain the lack of communication in this process, I just want my credit fixed and reflecting no late payments ASAP! They slowed this process no one else!!
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| 07/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My first issue this is my first time buying a vehicle on my own. I do n't think I can ever go through this experience of buying another car. I get nauseous thinking about it. I had no idea what I was doing and I feel taken advantage of. I was given a 24.99 % interest rate. My credit score was XXXX the day the loan was wrote. I had no idea this interest rate was high moreover it was illegal in my state and the state rhe financial company was in. I 'm in Arkansas. They 're in California. I bought the SUV XX/XX/XXXXand some months even was able to pay double payments. My state was hit with a flood of historical proportions that have ever been able to be recorded. I had put my payment in our outbox at our local post office that serves XXXX citizens in our small town the day before the flood. It would have been a week early had it left the next day and it was for XX/XX/XXXX and XX/XX/XXXX payments. {$760.00}. When I woke up the next day water was everywhere. I mean EVERYWHERE. Our local XXXX had 9 ft of standing water. The president and our governor declared us a natural disaster area. Apparently my payment never left the post office. Which the post office was barely standing after the water receded. Fine. I called Westlake and they took a check over the phone and I deferred one payment to the end of my contract. Two weeks later I was diagnosed with XXXX XXXX and had to immediately take a sabbatical from work to start XXXX and XXXX. I called Westlake again and they told me they would defer 90 days of payments to the end of my contract. Paid them a {$50.00} dollar payment for each deferred payment. My doctors said more than likely I 'd be at least able to return to work by then. Westlake called me the entire time I was in the hospital, twice when I was receiving XXXX and asked for their payment. I said we deferred those I paid you {$50.00} per payment. I 'm sick may I please call you back. Most of the time I was immediately hung up on and recieved outlandish attitude from the customer service representative. I had bigger fish to fry so to speak so I swallowed the XXXX and pushed myself to get better. XX/XX/XXXX I had enough and I went to trade the vehicle off. The calls. The nasty attitudes. I could n't take it any more and I was trying get healthy. When the dealership called to ask for my payoff they were told the vehicle was in repossession status and demanded the address. I was four hours from home. No one gave them the address and I left after waiting 45 minutes seeing if anyone would show up. They knew the dealerships name and city and state. I know they have XXXX. So I waited. No one ever showed so I leave to come home. Drive four hours home. The next day I get up to go back to my first day back at my place of employment and my truck is gone. Immediately I assume they repossessed it. Who would n't. I fumed for about two weeks and I finally answered the phone one morning when they called and I 'm informed they do not have possession of the vehicle and I need to call the local police as the agent is speaking to someone else and I hear someone say " Do n't tell him we have it .... '' Then I start getting Badgered about late payments. I said no those were deferred and I 'm told we do n't offer a program like that. And suddenly the {$50.00} payments are showing up on my account or so I 'm being told. The agent then tells me to call my local police office. I do. They come fill out a police report. XXXX starts tracking the vehicle. Well. Since it had been two weeks the vehicle is no longer trackable through XXXX. Unless the vehicle is started or electricity fires up the XXXX program. I was never given my personal effects out if my vehicle. There is a {$2700.00} dollar suit that better be there if I ever get this truck back.
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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To : Westlake Financial From : XXXX XXXX Original Creditor/Investor XXXX XXXX XXXX XXXX XXXX Va XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL AFFIDAVIT OF TRUTH 1. On XX/XX/2023, as the original creditor, private investor I extended credits to you for the applicant/principal, consumer based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report.
2. 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.
Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
3. I received a call from you on XX/XX/2023, stating you denied the consumer/principal extension of credit based on the consumer credit report.
This is misconception and deceit, as the private investor I was under the impression I was extending credit only based thoroughly on all information in the credit application.
4. 15 USC 1681a ( I ) ( 2 ) ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
As the Original creditor/private investor I extended credits based on the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits.
XXXX. 15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, you are fully in violation of the consumer rights. Therefore, you now hold civil liability for willful noncompliance.
XXXX. 15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application.
XXXX. The damages caused in your incompetency I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes XXXX XXXX and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ).
The damages are in the total amount of {$100000.00} 8. My prayer in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time, labor to respond to your adverse action is valued at {$10000.00} and I should be fully compensated. The first Amendment of the U.S. Constitution protects my right to work. I have a right to work and contract my labor, my time, and my skill, and my life as I see fit. If I am not fully giving all demands to restore faith and trust within this credit transaction, I will take civil actions for all damages caused by your negligence.
9. I declare under penalty and perjury under the laws of Virginia that all is true and correct to the best of my knowledge. Void where prohibited by law, however it does not change the rest of the Truth!
XXXX ; XXXX
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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As of XX/XX/2023 I have contacted my finance company in regards to me being involved in a rear end collision. I have been asked was I okay from the rep on the phone. I told them XXXX not sure how to answer this but I was contacting you guys to let you guys I have been placed in a rental car with whom has possession of my vehicle is a body now and I have not received the date of completed repairs. The rep has told me okay one second I will submit this information in your profile and after holding on the phone for 30 to 60 minutes of only talking to the rep for 5 minutes, he then returns to the call to just tell me he cant submit the claim over the phone I then was instructed to do so online via their website.
https : //www.wpmservicing.com/contactus/ After a couple months has came and gone by no follow up call has been returned in regards to my vehicle status, my vehicle is yet still in the repair shop as of XX/XX/2023. I have sent a email to the company in reference to trying to contact them and requesting of a supervisor to contact me. I NEVER can personally get a name of a supervisor, the rep provides me with different name of themselves. After then told one name I do advise them them they have told me this but now they telling me this.
Now here we are in XXXX. Just XX/XX/2023 my vehicle was stolen from where I had just got out of it now even XXXX minutes of me coming back out to no sight of my vehicle.
I begin to ask questions around the neighborhood because one I am not from the neighborhood or area as a whole and this is just not a clear understanding. So I contacted XXXX - to being advise that my vehicle was recovery by a repossession company. So after being told that they told me to contact my finance company. I did do so but all they say too me, was that as of XX/XX/2023 I have to pay {$2000.00} XX/XX/2023 I have to pay {$1600.00} XX/XX/2023 I have too pay {$1700.00} XX/XX/2023 I have to pay {$1900.00} So I asked the rep who is it everyday Ive called its as high low price thats being requested of me too pay but no one too give me the phone number too the departments that you guys are transferring me too, and or there is NEVER a name or phone number for a supervisor to be contact or even contact me themselves.
They only give me the option of gathering my belongings. But in response of myself I told them I am not going to get my belongings if I cant get it all at once. They then disconnected the call and have not returned it since. Any contact with the finance company was and is because of Wm wanting/ trying to retrieve my vehicle. They are not trying to be in compliance. I asked for the name and phone number of the location!
They are able to provide me with a phone number but no name of the location of repossession company who performed the repossession.
The rep told me out their mouth, well sir XXXX dont dont what to tell you. I have a number to the location. I take the number. Listed below.
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX After contacting these numbers XXXX still here without answers of where my or how too retrieve my belongings and thats including my vehicle alone.
They have been contacted via email with no follow up of email nor returned phone calls from the finance company!
westlake portfolio management services How do I get this resolved?
Because prior to my account of being in delinquency I have contacted them in honor of respect of myself and my contract that my vehicle was WRECKED. May be a total lost and Im not sure if they will repair it or actually just submitting it as a total lost and I have no date of completion of the repair.
They STOLED my vehicle after Ive retrieved it from the collision shop and its been repaired.
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| 10/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. On XXXX XXXX I the consumer filled out a consumer credit application ( Retail Installment Contract ) with XXXX XXXX I as the consumer was only supposed to be responsible for the FINANCE CHARGE pursuant to Title 15 USC 1605 ( a ) Determination of Finance Charge, which Is the SUM of all charges in a CONSUMER CREDIT TRANSACTION and IT DOES NOT INCLUDE ANY CHARGE OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION, In return For a PURCHASE MONEY LOAN. Instead I was handed a GENERIC CONTRACT TO FILL OUT WITHOUT ( ADEQUATE NOTICE ) pursuant to Title 15 USC 1602 ( k ) of TILA ( Truth-in-Lending Act, or FULL DICLOSURE that I the consumer was Giving up SECURITY INTEREST to have my note SOLD in a POOLING AND SERVICING AGREEMENT BETWEEN WESTLAKE FINANCIAL SERVICES AND XXXX XXXX BANK who's named as THE SECURED PARTY WHICH IS AGGRAVATED IDENTITY THEFT pursuant to Title 18 USC 1028A which is another violation of FRAUD, a Violation of FURNISHING CERTAIN DECEPTIVE FORMS pursuant to Title 15 USC 1692j of the XXXX FDCPA ) and a violation of UNFAIR PRACTICES pursuant to Title 15 USC 1692f of the ( FDCPA ). XXXX XXXX BANK NEVER GAVE I THE CONSUMER A LOAN, based on XXXX XXXX BANK SECURITY EXCHANGE 10-K FORM REPORT, THE TRUST INDENTURE SAYS OTHER WISE, IT SAYS THAT XXXX XXXX BANK BUYS THE RETAIL INSTALLMENT CONTRACT AND TURN AROUND AND SELL IT AS AN ASSET BACK SECURITY, YOUR REPORT IS CLEAR AS DAY TELLING THE WORLD, THAT YOU TOOK MY NOTE AND IMPERSONATED ME IN TRADING IT. IF THATS THE CASE, I WAS NEVER TOLD THAT I WAS INVOLVED IN AN INVESTMENT CONTRACT. WESTLAKE FINACIAL SERVICES are in connection with I the consumer in collection of this alleged debt that haven't been Verified through GENERAL ACCOUNT LEDGER, VERIFIED AND NOTIRIZED BY AN ACCOUNTANT for ( VALIDITY ), THE ACCOUNT INFORMATION WESTLAKE FINANCIAL FROVIDED WAS GENERIC AND NOT VERIFIED BY ANYONE BUT WESTLAKE FINANCIAL. On XX/XX/2022 WESTLAKE FINANCIAL SERVICES SENT ME A NOTICE OF RIGHT TO CURE THREATNING TO UNLAWFULLY REPOSESS MY VEHICLE on XX/XX/2022 IF I DONT PAY THIS ALLEGED DEBT. I the consumer responded to all communications, through CONDITIONAL ACCEPTANCE AND DEBT VALIDATION LETTERS SENT CERTIFIED MAIL RETURN RECIEPT, REQUESTING THE FOLLOWING INFORMATION THAT WHOULD CONSTITUTE A LAWFULL DEBT THAT I THE CONSUMER MIGHT LAWFULLY OWE, WESTLAKE FINANCIAL SERVICES NEVER SENT WHAT WAS ASK FOR IN THE FOLLOWING. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and WESTLAKE FINANCIAL SERVICES, only XXXX XXXX. 3 ) ALSO, WESTLAKE FINANCIAL SERVICES, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to WESTLAKE FINANCIAL SERVICES, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding WESTLAKE FINANCIAL SERVICES, ACCOUNT # XXXX, CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ). Zero out the balance on this account XXXX, and Grant me my title lien free. Any other communication going forward WESTLAKE FINANCIAL SERVICES AND XXXX XXXX BANK, will be liable to me {$1000.00} each occurrence EACH under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act, with the list of other violations listed above.
Respectfully,
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| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I was involved in a total XXXX accident on XX/XX/XXXX in XXXX XXXX, XXXX, IL. I immediately notified my primary insurance carrier XXXX XXXX XXXX that same day. In addition, I notified Westlake Financial of the loss and inquired about the GAP claim process. I was late on my XXXX payment and asked about a deferral for the payment and was required to pay a fee for such a deferral. I paid the fee later in the month of XXXX on XX/XX/XXXX. At no point was I told that a deferral would result in a breach or cancelation of the GAP waiver and was provided no opportunity to pay for the waiver separately from the whole payment. Nothing in the GAP waiver agreement references a cancelation or denial of claim because of a deferral. In fact, in an email I received from Westlake on XX/XX/XXXX, it explicitly states that Westlake had financed the GAP waiver and was adding it to the payment for the loan which lent me to believe that the waiver was paid for in full and was being financed, which is also what the agreement states.. Yet on XX/XX/XXXX XXXX XXXX XXXX an insurance claim representative from Westlake, which also does business as XXXX, they share a corporate address and are only separated by a suite number and when you call XXXX and inquire about GAP claim, it transfers you to Westlake, told me that my claim was denied because of missed payments and an insurance title adjustment, which I had no control over because the car I purchased and financed through Westlake had a branded title, which Westlake knew about. I had signed a branded title statement and told the finance representative that I was aware that the vehicle had a branded title. Nothing in the GAP agreement makes any reference to a denial of claim based on this situation and only mentions that I would make every effort to obtain the most money from the primary carrier, which I did.
On my account statement, the insurance payment was applied on XX/XX/XXXX. My deferral was applied on XX/XX/XXXX and I received confirmation on XX/XX/XXXX. I also paid {$50.00} in fees on XX/XX/XXXX. XXXX made the settlement payment on XX/XX/XXXX and Westlake cleared the payment on XX/XX/XXXX. How then, is it possible to deny a claim based on missed payments when the company had agreed to defer the payment in question? If I were charged a fee for the deferral, why didn't a portion of said fees apply to GAP coverage? The only reason for my being late on the XXXX payment was due to the fact that I was waiting for the insurance settlement and GAP waiver to settle the account. The company had received {$16000.00} from XXXX, which they had lost and had to initiate a payment search. The payment was actually applied to the account on XX/XX/XXXX. XXXX made the payment through the portal, which Westlake Insurance department representatives knew little about and continued to tell me that they were waiting on a check and that there was no portal when in fact it was. They then back dated payment to XX/XX/XXXX.
I was told by two Westlake Insurance Department representatives in the many conversations had with them. Including on XX/XX/XXXX that the GAP waiver wouldn't cover the extension, which according to the agreement is true. I was not told that this would result in a denial in whole. In fact, on XX/XX/XXXX I had asked specifically about the calculation used to determine what the GAP would cover and was provided no specifics.
I believe that according to the four corners of the GAP waiver agreement that makes no reference to a deferral causing a denial, makes no reference to a title adjustment causing a denial and further doesn't make any mention of XXXX as the insurance administrator for the GAP waiver that they are in violation of the law.
|
| 07/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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On XXXX XXXX, XXXX my significant other and I ventured over to XXXX XXXX in XXXX XXXX Pennsylvania to trade in a truck on a XXXX XXXX XXXX. We took the vehicle for a test drive, and for the most part, we liked it. The check engine light was on and the emissions sticker was missing. We discussed these issues with the dealer who assured us that the issues were minor and he would fix them. Both of us decided that we wanted the vehicle, but we would have to finance the balance after the trade in price XXXX was credited. The total price of the vehicle was XXXX, we paid XXXX with a trade in and were to pay an additional XXXX in cash. The dealer agreed to let us make payments on the XXXX until the balance was paid off. He also was able to get us approved by a bank in California for the remaining balance of XXXX. The transaction went well until we were in possession of the vehicle. We provided the dealer with a payment of XXXX dollars toward the XXXX owed, after three weeks of obtaining the vehicle. I then began to try to get a hold of the dealer, in regards, to him holding up his part of the bargain as far as fixing the minor issues. He would never get back with me in regards to fixing the vehicle, so we stopped paying him. We continued to make our monthly payments to the bank, and decided that we would fix the problems ourselves. In XXXX of XXXX we realized that the temporary registration had went out of date and we had yet to receive the registration card. We contacted vehicle services who stated that they had not received it, and told me to contact the dealer. I called, emailed, and went to the dealers lot, trying to get in contact with the dealer. When I arrived at the dealership, there were no vehicle or signs that the dealership ever existed. We then contacted the bank our loan was through and explained to them that the dealer abandoned the lot and never turned our registration in. I asked the bank if they had received the title yet, and they said, " no ''. The bank stated that, I had agreed to the financial obligation and I am responsible to pay, regardless. At this point we decided to involve the police. We were shocked to find out that we were XXXX of many cases the trooper had in regards to this dealership. The worst part was, we were told by the trooper that we could not legally drive the vehicle anymore. The only thing we could do is hope that the trooper would be able to obtain our registration from the dealer. As time went by, with no luck, we knew we had to make a decision. The last payment made to the bank was in XXXX XXXX. At that point we had the vehicle for XXXX months without registration, and did not know if we would ever receive it. After we stopped making payments to the bank, we finally received the registration at the end of XXXX XXXX. By that point we were XXXX going on XXXX months behind on our payments to the bank. I contacted them to see if they would work with me, since I had made payments even though I could not legally use the vehicle. They refused to accommodate me. I financed this vehicle with the impression that I would be able to use and own it eventually. A vehicle does nobody any good without a registration or a title. I do not see how a transaction can be complete without the transfer of documents that makes the transaction legal. I do not think that we should be responsible for any part of this transaction. The transaction was not official until the documents were turned in XXXX months after the contract was agreed upon. We never agreed to make payments on a vehicle that was not legal to drive, due to the dealer not turning over the legal documents required for us to legally possess or use the vehicle.
|
| 03/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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IN RE : Westlake Financial Services XXXX Inc.
Complaint # : i Dear Investigating Officer, I am writing this letter as a follow-up to complaint #, filed on XXXX, with the Consumer Financial Protection Bureau. I am also filing concurrent complaints with the Arizona XXXX, the Arizona Department XXXX, the XXXX XXXX XXXX XXXX XXXX, and the Arizona Department XXXX XXXX XXXX. In addition, I will be filing complaints with XXXX, the Justice Department, and the Comptroller of the Currency.
I have specific complaints about Westlake in the handling of financing for my vehicle, a XXXX Ford Mustang that was purchased through XXXX XXXX in XXXX, Arizona on XXXX. Those complaints include : Westlake placing an illegal lien on my vehicle using a fraudulent contract.
Westlake using that fraudulent contract to collect over {$22000.00} on a " lease '' I never consented to.
Westlake ordering my vehicle repossessed without just cause, and without a showing of the inability to pay or proof of insolvency.
Westlake charging repossession fees and repossessing my vehicle prior to the first payment being due.
Westlake charging over {$1300.00} worth of interest in a 60-day time period.
Westlake demanding and receiving over {$22000.00} in repossession fees and interest in an 8 month time period.
Westlake employing illegal collection tactics.
Westlake failing to provide a proper and full accounting on demand.
Westlake failing to stop charging interest when the vehicle was repossessed upon their request and sold.
Westlake continuing to charge interest after taking the vehicle and selling it in excess of the legal limits.
Westlake failing to return fees and charges in excess of legal limits.
Westlake failing to provide copies of the alleged contract on demand.
On _____, I went to XXXX XXXX and attempted to " downsize '' my XXXX Ford Mustang, which was paid for in full to XXXX XXXX XXXX XXXX on XXXX. At that time, I made a deal with XXXX XXXX that included the " trade in '' of the XXXX Mustang for a XXXX Mustang.
I was told that my trade in value for the XXXX Mustang was {$25000.00}.
I was told that the new Mustang was {$22000.00}.
I should have received approximately {$3000.00} back from the dealership.
I also was given XXXX for my boss that was the whole reason for the sale of the XXXX mustang I paid off in full two days prior to buying XXXX vehicle from XXXX.
XXXX I paid in full XXXX to XXXX XXXX XXXX who was my employer at time XXXX.
he had given me XXXX to help pay off the XXXX mustang .XXXX informed me he needed the money back the following day.
In order to keep credit score from falling I paid off XXXX.
I had gotten a loan from XXXX through XXXX 78 days prior to its repossession on XXXX XXXX XXXX in which XXXX miss informed me of contract pay date saying 90 days till first payment which would n't have beed due till XXXX/XXXX/XXXX.
I feel be ford intentionally has mis lead me on XXXX different occasion to gain moneys un lawfully.
They stole my rebates on XXXX mustang sticker price was XXXXXXXX5.1 % interest My total due was XXXX on paying off loan .doesnt add up.
XXXX XXXX was suppose to give me XXXX for XXXX mustang with XXXX.cash In exchange for XXXX mustang which sticker was XXXX Which should of left XXXX to me for over pay and XXXX for XXXX no one in their right mind would have paid off all that money then to have a loan for a cheeper car they mislead me to belive it was a sale straight ACROSS AND MONEY BACK TOTALLING XXXX DOLLAR.
There was never suppose to be a loan for that money on contract from west lake.
On XXXX XXXX the XXXX mustang was impounded for me not having license. XXXX failure to put transfer of title to XXXX
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments & Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and WESTLAKE FIN. SERVICES have violated federal law and dishonored their obligation to uphold the law.
15 U.S. Code 1666b ( a ) Time to make payments clarification ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.
15 U.S. Code 1681b - Permissible purposes of consumer reports clarification ; ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX, XXXX XXXX XXXX, and WESTLAKE FIN. SERVICES have violated federal law by reporting multiple " LATE PAYMENTS '' regarding multiple open consumer transactions, on my credit report. XXXX has reported the following " LATE PAYMENTS '' on my credit report : XXXX XXXX XXXX : Reported late date : XXXX XXXX XXXX XXXX : Reported late date : XXXX -WESTLAKE FIN. SERVICES : Reported late date : XXXX In addition to reporting this information XXXX have also provided my credit report with this inaccurate information to furnishing companies, damaging my credit, potential opportunities and overall livelihood.
Legal Remedy Granted : According to 15 U.S. Code ( a ) ( 1 ) ( A ) ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
|
| 07/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XX/XX/2023 Subject : Notice of Breach of Agreement due to Violations of Regulation Z Dear XXXX XXXX, in his private capacity I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding violations of Regulation Z, which have resulted in a breach of our agreement. This notice serves as a formal communication regarding the breach and seeks resolution in accordance with applicable laws and regulations.
1. Agreement Details : Agreement Date : XXXX Agreement Reference Number/Note Number : # XXXX / # XXXX Parties Involved : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach of Agreement : It has come to my attention that the finance company, as the creditor, has violated Regulation Z, a federal regulation implemented under the Truth in Lending Act. The specific violations of Regulation Z include, but are not limited to, the following : Failure to disclose accurate and complete information regarding the terms of the loan, including interest rates, finance charges, and any other applicable fees.
Non-compliance with the requirements for providing clear and conspicuous disclosures, resulting in confusion and misleading information for the borrower.
Failure to comply with the right of rescission, as outlined in Regulation Z, which grants the borrower the right to cancel certain types of transactions within a specific timeframe.
3. Impact and Damages : These violations have had a significant impact on my rights as a borrower and have resulted in financial and legal damages. The violations of Regulation Z have caused undue stress, financial hardship, and a loss of confidence in the finance companys ability to fulfill its obligations under our agreement.
4. Notice of Breach and Request for Resolution : Through this notice, I formally declare that the finance companys violations of Regulation Z constitute a breach of our agreement. I hereby request that the finance company promptly rectify the violations and provide the necessary remedies, including but not limited to : Correcting and providing accurate and complete loan disclosures as required by Regulation Z.
Revising and amending any erroneous terms or conditions in the loan agreement.
Compensating for any financial losses, damages, or legal expenses incurred as a result of the violations.
5. Timeframe for Resolution : I expect a written response from the finance company within 7 days from the date of this letter. The response should include an acknowledgment of the violations, a detailed plan to rectify the breaches, and a proposed timeline for implementing the necessary remedies.
6. Legal Remedies : Please be advised that if the finance company fails to address and rectify the breaches of our agreement within the specified timeframe, I reserve the right to pursue legal remedies available to me under applicable laws and regulations. This may include filing complaints with regulatory authorities, seeking damages through legal channels, and taking any other necessary legal actions to protect my rights and interests.
I trust that the finance company recognizes the seriousness of the breaches and the importance of resolving this matter promptly and in good faith. I remain open to an amicable resolution that upholds the principles of fairness and compliance with the law.
Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution that ensures the protection of my rights as a borrower and the adherence to regulatory requirements.
Yours sincerely, XXXX XXXX XXXX XXXX, XXXX.
|
| 09/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Subject : Complaint Against West Lake Portfolio Management - Violations of Consumer Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX [ Date ] Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against West Lake Portfolio Management, an entity involved in financial services, for a series of violations of consumer protection laws and unlawful practices that have resulted in severe financial harm and infringed upon my consumer rights.
**Summary of Violations and Disputes : ** 1. **Failure to Provide Notice of Repossession and Sale of Vehicle : ** West Lake Portfolio Management repossessed my vehicle without providing proper notice, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ). This absence of notification significantly impacted my rights as a consumer.
2. **Continued Reporting of Account as Open : ** Despite the repossession and sale of my vehicle, West Lake Portfolio Management persisted in reporting my account as open on my credit report. This erroneous reporting infringed upon my rights guaranteed by the Fair Credit Reporting Act ( FCRA ) and damaged my credit standing.
3. **Infringement of My Rights : ** West Lake Portfolio Management 's actions constituted an infringement upon my rights as a consumer, as outlined in the FCRA and FDCPA. This infringement resulted in financial hardship and undue stress.
4. **Failure to Provide Contract : ** Despite multiple requests, West Lake Portfolio Management failed to provide a copy of my contract. This failure to fulfill my request violated my rights as a consumer. Under TILA, I have the right to receive a copy of my loan contract. Per 15 U.S.C. 1631. It states that lenders must provide a copy of the contract or agreement **Requested Actions : ** I respectfully request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate action against West Lake Portfolio Management to rectify these unlawful practices. Specifically, I request the following actions : 1. **Resolution : ** I request that West Lake Portfolio Management correct the inaccurate reporting of my account on my credit report, remove the open account status, and provide written confirmation of the sale of my vehicle and payment of any outstanding balance on my account.
2. **Termination of Security Interest : ** Pursuant to the Truth in Lending Act ( TILA ) and UCC 1-308, I request that West Lake Portfolio Management enforce my right to rescind the contract and terminate the security interest. Additionally, I request the refund of any payments made within 20 calendar days of receipt of this notice of rescission.
3. **Financial Compensation : ** I seek monetary compensation for the violations committed by West Lake Portfolio Management . The total amount for these violations is {$22000.00}, as detailed in the attached invoice.
**Conclusion : ** I am committed to seeking justice and a resolution to these matters. The violations outlined above represent a severe breach of consumer protection laws and have had a profound impact on my financial well-being and rights as a consumer.
I kindly request the Consumer Financial Protection Bureau 's swift attention to this matter and your assistance in securing a just resolution. I look forward to your response and actions to address these violations.
Thank you for your dedication to safeguarding consumer rights and ensuring fair and ethical practices in the financial industry.
Sincerely, XXXX XXXX XXXX, Beneficiary
|
| 05/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Westlake Financial purchased my account from my previous lender when they went bankrupt. The old company did not accurately file to my credit reports, they did not allocate payments correctly ( I have proof of this ), they had their website up and running and taking payments after they had supposedly " shut down '' which those payments were not allocated to the account either. I didn't know the company ( XXXX XXXX ) had closed until speaking with the new lender ( Westlake Financial ) after my car was repossessed. I tried to dispute the account with them due to the issues with the previous lender and they had me jump through hoops to prove payments were made to no avail. I had sent them a redacted bank statement showing the payments were made to the old company as they had requested me to do so. The next person I spoke with said they needed 3 months worth of statements to prove the payments were not " refunded '' to me. Which I had also sent redacted. Then they told me that I needed to send 3 months prior and 3 months after, also sent redacted. Then they told me to send 6 months worth of non-redacted statement to show the balances, which after consulting with my bank ( who stated this was ludicrous ) I was advised by my bank to not send them non-redacted statements as the previous information should have been more than sufficient.This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX, I checked my credit report and saw that the account was on my report as {$0.00} and closed. I am in the process of buying a home and removing things off my credit report to do so. I didn't know what they did with the car, and due to the lack of trust from the incorrect information provided by Westlake financial, I purchased a XXXX report to see what happened to the car. The XXXX report stated the car was sold at auction on XX/XX/XXXX. A vehiclehistory.com report showed that the car sold at auction for {$4300.00} on XX/XX/XXXX. Westlake financial did not inform me the car was being sent to auction, nor did they inform me the car had sold.
When I called Westlake financial directly today to attempt to get the account off my credit report, the first agent told me they informed me over the phone that my car was going to be sold at auction. Knowing this to be a lie, I asked him to clarify when was the last time I spoke with someone from Westlake. He said XX/XX/XXXX which was around when the car was repossessed. The car didn't go to auction until XX/XX/XXXX, which again, I wasn't informed of. When I informed him about that, he got an attitude with me and stated they didn't have to email me notice of being sent to auction. I told him there was no written notice through email or the mail. He got angry and told me to pay the bill. I asked to speak with a supervisor. He transferred me to the supervisor, who reconfirmed my mailing address ( which had been updated back in XX/XX/XXXX during conversations with them ) .She said they had my old address on file, and the letters informing of the auction went there. I know this is a lie because I have USPS mail delivery notification that takes pictures of all mail being delivered to me, as well as USPS mail forwarding that didn't end until XXXX of this year. I went through my emails to see if anything was received, which there wasn't. I asked if they were sent certified, she said no. I asked her to take the account off my credit report to avoid legal action of them for civil theft and illegally selling my car. She said no, it will remain open and I will continue to receive phone calls to collect the balance.
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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I purchased a used car from XXXX XXXX on XX/XX/XXXX, who not only scammed me, did things illegally, and took advantage of me as a first time buyer. I am someone who has XXXX, and planned on sharing this car with my XXXX grandmother. They sold me my car with an engine light on which is illegal, and promised me false things. They told me they'd be giving me a new door handle, fixing the engine light, checking out there issues such as my ac, and my breaks. Ever since I got my car I continuously had to bring my car back to be repaired. I got a flat tire not even a week after getting my car and was blamed immediately, and told I must pay for it. While my car was with them for two days I was not contacted whatsoever. As I called I was told they fixed everything. As I got in my car none of the issues had been resolved. Neither did I get my registration yet. When mentioning and begging for it I was told to NOT worry about it. It soon went passed the seven day limit when I still didn't receive it. After having to constantly call them, I was finally given it two weeks late. They told me to come back to get my engine light fixed. I had no sticker for my car, and was forced to get it only for it to get rejected. Something odd I noticed when getting paperwork from that was that the miles on my car 's number was not even near what was written on my purchase contract paperwork. Instead of XXXX, the inspection paper said it was XXXX. The place I went to get my sticker has nothing to do with my dealership. Their paperwork held the truth, and not lies like my own papers from the dealership did. Despite this, I brought the car back one more time hoping they'd finally fix it. Once again, I was lied to by the dealership. I had dropped my car off around XXXX XXXX and didn't hear a thing. I decided to call back by XXXX XXXX and they mentioned filing my car up with gas for no reason, and needing me to drive it around. When questioning them, as I didn't understand I was shut down by them. I soon asked about the engine light, only for them to not answer me. I have left my car with them ever since then ( it's almost been two weeks now ) as I'd rather not drive an unsafe car with several problems. I was unable to go back there as I have no way of getting anywhere now without a car. My father sent a family friend, telling them about the false information, and telling them I'd like my money back. Instead, they lied yet again, and said I waited to long which is false. They purposely delayed me multiple times in order for them to get more money from me, and for me to be trapped with this car. As I write this, they continue to harass me, and call my phone. I have been in touch with West Lake Financial which are my loan people. Despite my evidence, and information sent to them, they can not cancel my loan. They keep asking for information, in which the dealership would NEVER give to me, regarding the engine light. Due to this I told them I will not be paying for such a car. I have left it at the dealership and told the loan people that I will not be paying, and that it's already at the dealership for them. I am someone who is young, and haven't established any sort of credit before. Now my credit is going to be ruined, because I refuse to pay a loan for a dangerous car.I have called them everyday, begging for help only for them to dismiss me. I am terrified as, I am suppose to pay on XX/XX/XXXX. I do not know what is going to happen next. Any sort of help you can give me will truly be appreciated. Thank you so, so much!
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 RE : XXXX To whom it XXXX concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Secondly according to the 15 USC 1681.The law clearly states.
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
XXXX. Account XXXX : Westlake Auto Services loan XXXX. Account XXXX : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy.
In addition, I demand to have a copy of my updated consumer report once the following changes have been made.
Sincerely, XXXX XXXX XXXX XXXXmail : XXXX XXXX
|
| 11/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
Our original auto finance company ( XXXX XXXX ) without our consent, sold my husband 's auto loan to another lender ( Westlake Portfolio Management ) two month 's ago. After two year 's we wanted to exercise our right via contract to request a two month deferment to get us through a rough patch. I was told by email and by phone that the terms of our contract would stay the same. A supervisor with XXXX XXXX stated the new lender would have to follow the original contract to the letter, otherwise they would be in breach of contract. When my husband entered into his contract with XXXX XXXX he submitted a power of attorney giving me power to manage any and all of his accounts because he is XXXX XXXX military. XXXX XXXX told me my power of attorney is being transferred over to Westlake along with my husband 's contract. Right from the start Westlake refused to speak to me and asked me to send them another copy of my power of attorney. So I did. A few day 's later I called Westlake and after speaking with over twenty different employee 's and five supervisors, I was capable of getting these deferments done. Now Westlake is is refusing to speak to me. Several representatives have told me my power attorney is still under review. Other 's tell me my name is not on the power of attorney, so I resent the power attorney to them once again. They continue to tell me they cant speak to me so I ask to speak with there legal and or military team. They said they don't have a military team but they have one lawyer who goes by the name of XXXX XXXX. I sent Mr XXXX a detailed email explaining my concerns along with my power of attorney and the only response I got was, " Just to confirm, you are simply looking for the POA to be authorized and approved, right? ". On top of the three power of attorneys that ive already sent Westlake, they were requesting that my husband write a letter authorizing me to speak on his account. So I sent that in. Three power of attorney 's, one acknowledgment from there attorney, and a signed letter later this company is refusing to speak to me. Out of every 10 call 's one rep will talk to me. To add to this struggle, Westlake calls my phone on a daily basis every 30 min and once I answer they will not disclose to me who they are. Once ive got them to admit they are Westlake they tell me they wont talk to me. They are rude, sneaky, and inconsiderate. One representative told me I sounded like a man so the representatives in the past must have mistaken me for my husband. I said well they we're calling me by my name which is very different from my husband 's. Westlake has taken over my husband 's account two month 's ago and they have told me that they do not have to follow his contract even though I have an e-mail stating that they do. XXXX XXXX has absolutely no resources or knowledge of military law 's or right 's. My phone record 's phone calls and I let Westlakes member 's know that when they call. I have proof to back my story. Westlake has harassed me, refused a power of attorney, and refused to abide by the contract that they bought out from XXXX XXXX. They have refused to do business with me after they issued me two deferments on my husband 's behalf. I have made every effort to work with this company but our military family has enough to deal with then to be treated so poorly and unprofessionally. Our family is done with this rollercoaster. We want out of this car loan. I would rather walk barefoot then to finance any vehicle with this company ever again.
|
| 08/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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XXXX I Traded in my XXXX XXXX XXXX XXXX in and bought a XXXX XXXX XXXX from a used lot XXXX XXXX. The next day I called XXXX XXXX and informed them the car is driving funny and some lights came on. They told me to bring it in and their mechanic will check it out. After taking the car to XXXX XXXX Mechanic twice and no resolution they asked me to bring the car to them and they will take it to XXXX who will fix the sensors. Now XXXX has the car for two weeks. I have no car spending lots of money on XXXX rides. I ask to speak to the owner of XXXX XXXX and or to trade the vehicle in for a safer, better driving car. I was told by XXXX that he would have the owner contact me. Now I get the car from XXXX XXXX XXXX the sales guy assures me this is the only issue and I should be ok to drive it as he knows I drive a lot for work and to take care of my children. I trust him and take the car. A few days later I get stranded in the hills of XXXX XXXX at night. All the lights came on the dash board, while attempting to accelerate the car wouldnt allow me to give it any gas. I Pulled the car over and turned it off. Repeating this about 5 times before making it to a safe spot. I took pictures and videos of the dash as well. The next day I called XXXX and then he okayed me to bring the car into XXXX XXXX and they will send it to their transmission specialist. The transmission specialist couldnt find the parts for the vehicle from my understanding. The transmission specialist had the vehicle for a so far, so I asked XXXX XXXX if they can get me a loaner car or even to trade that vehicle in or just give me my vehicle I traded in back. I was told that that wasn't an option and they couldn't help me i had to just wait on the transmission specialist to finish the vehicle. I never hear back from XXXX or anyone. In XXXX I called XXXX and he gave me information to the transmission specialist. The specialist then informs me that he can not find the proper transmission as the shipments are effected by the port, he couldn't do much but look around. I had no other options but go buy another car, so I went to another dealer and purchased another vehicle. Never heard anything back from XXXX, or XXXX XXXX. By Law I was refused my right to rescission. Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
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| 08/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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This is yet another violation to SCRA by Westlake Financial, who had already previously been reprimanded for violations.
I communicated with Westlake Financial via mail on XX/XX/XXXX, again on XX/XX/XXXX informing that there is a billing error on ( t ) he account, ( which is subrogating me as the representative to my Federal agency, assigned social security number account ) and to provide me with evidence confirming that the CAR ( Certificate of Automobile ReceivablesCapital Adequacy Ratio ) was sold over the counter, and why the balance on the automobile/motor vehicle has not been cleared. For the fact that a promissory note security was issued and granted a security interest to which Westlake Financial, who sold the CAR ( Certificate of Automobile ReceivablesCapital Adequacy Ratio ), however the balance was not discharged/cleared, nor have I received any dividend payments, from the non-transfer of ownership interest, whereas Westlake Financial have not perfected a security interest from a promissory note signed by me, being the authorized representative signatory on behalf of Federal agencies, Social Security Number account , for which it seems Westlake Financial has misrepresented my assigned SSN account for my identity, and has committed consumer fraud by legal fraud of contract.
On XX/XX/XXXX I informed Westlake that I was protected via SCRA, and I also requested that Westlake validate the debt, I requested the actual accounting showing Westlake Servicess real losses, provide verification of claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act 1882 ) A copy of the formal contract signed by both parties and therefore binding both parties to the agreement. Proof that Westlake is the real Holder in Due Course to security interest that is beneficially owned through Federal agencies.
After no response, I provided another tender of payment in good faith, via registered mail, which was not applied to the Westlake Financial custodian account on behalf of my assigned Social Security Number account, in order for Federal agencies to keep a record of interest-bearing debt securities and credit liabilities. Westlake Financial being the servicer to security interest beneficially owned by Federal agencies, made no attempt to communicate with me in writing despite my several attempts in good faith to set off Westlake Financial custodian account balance, for Federal agencies, Social Security Number account.
After still no response, Westlake stole my automobile/motor vehicle off of private property without answering my billing error letter or giving a response pertaining to a non-cash item delivered. Causing damages including but not limited to loss of wages and defamation of character and slander to creditworthiness.
The address listed as the " towed from '' address was falsified. It was stolen from the private driveway of XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX.
The certified copy of the UCC 11 confirms there is no other valid lien on my automobile/motor vehicle.
My legal person is protected under SCRA and I demand for my vehicle to be returned, because a court order was not obtained, therefore my automobile was stolen, not repossessed by the servicer, who is liable to collect payment and record the financial public revenue unit transaction with Federal agencies, on behalf of my assigned Social Security Number Account, for which Westlake fraudulently claims is my identification.
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| 10/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called Westlake Financial that I had no business relationship with. Westlake Financial was attempting to collect on a an alleged debt in the amount of {$7800.00}. I have had my identity stolen and sent Westlake Financial a letter via certified mail XX/XX/XXXX notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent Westlake Financial account with the credit bureaus. Westlake Financial however continued reporting this fraudulent Westlake Financial account with the credit bureaus. XX/XX/XXXX I noticed Westlake Financial still reporting this fraudulent Westlake Financial account with the credit bureaus. I then sent Westlake Financial a DEBT VALIDATION LETTER via certified mail XX/XX/XXXX requesting the agreement between Westlake Financial and myself and the original application for the account. Westlake Financial violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Westlake Financial was required to cease collection efforts until the alleged debt was validated but failed to do so. Westlake Financial continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent Westlake Financial account XX/XX/XXXX on my credit reports. I then sent Westlake Financial a FAILURE TO RESPOND letter via certified mail XX/XX/. Westlake Financial violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. Westlake Financial violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. Westlake Financial violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Westlake Financial was required to cease collection efforts until the alleged debt was validated but failed to do so. Westlake Financial continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, Westlake Financial FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/. Westlake Financial violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent Westlake Financial account XX/XX/XXXX on my credit reports and it is still there as of this filing.
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| 05/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX, I received a solicitation for credit through a third-party affiliate XXXX, XXXX, XXXX. After leaving my name and phone number, I was contacted by an agent for the company XXXX XXXX. I explained to the representative I " DID NOT WANT TO APPLY FOR FUNDING IF IT WOULD BE A HARD INQUIRY. '' The representative assured me he would only make a soft inquiry. I agreed and was subsequently denied credit. My XXXX alert popped up after getting off the phone, showing a new hard inquiry on my credit report.
I immediately contacted the company and found numerous affiliates connected to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, etc. There was no easy way of getting assistance from anyone other than customer service representatives. They did not know how to fix the problem and transferred me to different representatives, who stated it was a soft inquiry.
Over the next month, I contacted XXXX five times, two to the fraud department. Each time I was told the information sent to them was a " hard inquiry '' and that the company needed to fix the issue.
I spent hours trying to contact a dispute, lending, or legal department throughout the month, but the " phone tree '' was set up to prevent contact with anyone other than customer service representatives or sales agents. One representative told me that she had emailed the dispute department and the issue would be resolved. I asked for a copy of the email, and she said they only had an " in-network system '' so that no document could be sent to me for my records. I found this suspicious but moved on, hoping for the best.
I eventually was given an email : " XXXX. '' I sent two lengthy explanations of the issue over the next two weeks and received no response. I then sent a third and final notice on XX/XX/XXXX, stating if this issue weren't resolved, I would proceed with legal action.
I was then contacted by : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have uploaded the email exchange for documentary evidence on the merit of my claim. However, to paraphrase the correspondence with XXXX XXXX. It was like speaking to someone who is very clever but has no real experience in the business world. She continued to state that it was a soft inquiry, contrary to the fact that my XXXX report shows the hard inquiry, substantiated by the five conversations with XXXX employees directly.
I can not understand why XXXX XXXX would not correct this issue but instead deny responsibility for the error and create new excuses. After a week of exchanges where XXXX XXXX showed no signs of correcting their obvious mistake, I explained I would be taking legal action if she would not remedy this issue. Since XX/XX/XXXX, I have not received any correspondence or correction on my XXXX credit report.
However, I did do additional due diligence and found that the company has been investigated for illegal practices before and found guilty, see the DFPI : https : //dfpi.ca.gov/search/ Pursuant to Financial Code section XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wilshire Consumer Credit are hereby ordered to desist and refrain from violating Financial Code section 22156 and California Code of Regulations, title 10, section 1451.
In addition, if you try to contact the number located on the XXXX report that is associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX You are directed to a " Press 1,2 '' medical equipment solicitation.
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| 06/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
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| 06/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
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| 06/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
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| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Consumer Financial Protection Bureau [ Subject : Complaint against Westlake Services LLC regarding failure to acknowledge discharged debt on credit report and company books To Whom It May Concern, I am writing to file a formal complaint against Westlake Services LLC for its failure to recognize and update both my credit report and their accounting records to reflect the discharge of my debt as evidenced by a 100c copy B for the debtor form. Despite my diligent efforts to rectify this issue through multiple communications, the company has continuously neglected its responsibility to acknowledge the legal discharge of my debt.
I have acted in good faith by providing all necessary documentation to Westlake Services LLC, including the pertinent 100c copy B form that clearly indicates the forgiveness and discharge of the specified debt. I have also corresponded with all relevant parties, including the trustee Computershare Trust Company, in line with UCC 8-103, which delineates the rules for determining whether certain obligations and interests are securities or financial assets. It is imperative to note that the discharged debt in question should be treated as a financial asset ; hence, its discharge should promptly be reflected in my financial records.
Despite these efforts, Westlake Services LLC has failed to update my credit report to accurately represent my financial standing, and has not reconciled their accounting records to reflect the discharged debt. This inaction has caused me significant financial harm, as it has adversely affected my credit score and has denied me access to financial opportunities that are predicated on an accurate credit history.
Furthermore, I have not received the refund due to me for the discharged debt, which constitutes a return of value as per our agreement. The failure to provide this refund and the refusal to update my credit report is tantamount to security fraud, as it involves the mishandling of my taxes and securities. This is a clear breach of ethical and legal standards, and it diminishes the trust and confidence that consumers should be able to place in their financial institutions and services.
Please be aware that in addition to this complaint with the Consumer Financial Protection Bureau, I intend to file a Form 211 with the Treasury Ombudsman to initiate an audit of my account on both public and private fronts. This action is necessitated by the urgency to correct the financial misrepresentation that has been allowed to persist by Westlake Services LLC.
I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Westlake Services LLC complies with all legal obligations to acknowledge the discharged debt in their records and on my credit report. I seek a prompt resolution that includes the following : 1. An immediate update to my credit report to reflect the discharged debt.
2. A reconciliation of Westlake Services LLC 's books to show the debt as forgiven and discharged.
3. A refund of the value of the discharged debt that was promised to me.
I trust that the CFPB will address this complaint with the seriousness it deserves and will work to protect consumers like myself from such unjust financial practices. I am willing to provide any additional information or documentation that may be required to assist in your investigation.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 11/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Hello, and I want to first thank you for correcting all the fraudulent activity occurring in our day to day lives. I went to a dealership back in XXXX of 2021 to a XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX and was seeking a used car I was interested in. The actual finance manager, XXXX XXXX actually stated that the 'Bank ' wouldn't want me in a particular car, they still kept my application which I'm sure they've sold my security as well as my identity, and also she showed great discriminations, despite stating that she follows all FDCPA, TILA, FTC AND FCRA rules and regulations. I was instructed to have my brother also send in his information, and he too was made to fill out an application, as well as submit his banking info. All that just to still be denied, and they sold the car to another gentleman who happen to arrive after I test drove the vehicle. I realized upon research that the " dealership '' are actual XXXX, dealing in assignment of contracts ( commercial paper ), once you give them ssn they just became the XXXX Insult to injury the securitize the accounts receivable ( installment loan payments ) which in fact is our accounts receivable on the extension of credit we made to them. Correct! I realized you, meaning I, are the lender and they are the borrower! Any promissory I sign puts you as the nominee and gives them power of attorney for the transaction. However, we are all a party to the transaction. Heres why : XXXX XXXX ( c ) issue of instrument : means maker or drawer of an instrument XXXX XXXXXXXX Definition ( 7 ) Maker- the person who signs or identified in a note as the person undertaking to pay.
Article XXXX Adverse claim.
XXXX XXXX ( a ) ( 1 ) " Adverse claim '' means a claim that a claimant has a property interest in a financial asset and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the financial asset.
Financial asset means security.
You have a property interest in the sale of the security since they are making you a party to an investment contract.
XXXX XXXX ( 9 ) financial asset is a security XXXX XXXX XXXX to an instrument- a person taking an instrument, other than a Holder in due course is subject to a claim of a property or possessionary right in the instrument or its proceeds.
**A person having rights of a Holder in due course takes free of the claims of the instrument.
I have studied Accounting for quite some time, and have come to realize some things.
An accounts receivable that is non-current is considered an intangible-asset and can be amortized.
Another thing, it is standard practice for uncollected accounts receivable ( Debts ) to be written-off the Balance sheet as an expense after XXXX years. XXXXI always wondered why Drivers Charges got purged after XXXX years, and many other things, their deception compels the presumption of blank indorsement i.e. incomplete instrument, gift, abandonment, etc and they're implying a creditor debtor relationship to compel our breach of trust to establish a controversy... we have to express the trust by demanding their performance on their liability. Can you please assist me in this matter, its definitely has been a big disruption in my life. I request that I be compensated for the disrespect, the emotional distress, as well as a plethora of other violations these persons have intentionally and willfully committed. I thank you in advance.
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| 12/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to bring to your attention about the unscrupulous practices at Westlake Portfolio Management, On XX/XX/2023 my vehicle was wrongfully repossessed by then lender, US Auto Sales and/or US Auto Servicing XXXX who is reputably known for their abrupt closing and fraudulent practices. The auto loan was then transferred to Westlake Portfolio, who reported yet another repossession on my credit report in XX/XX/2023, which has severed my score and ability to obtain to a new auto loan. Westlake is also reporting conflicting term months of contract, high balance, and past due balance than previous lender ( attached ). Since then I have made attempts to prove to Westlake that my car loan was not in danger of repossession and that I had recently made a large payment of {$3000.00} after receiving my tax refund.
On XXXX XXXX I was asked to email a copy of my payment in which I did ( emails attached ), I was then told to allow XXXX week for back office to review my documents. This email was sent 2 times until I received confirmation. On this day, I also requested payment history for my vehicle being that everything was transferred from US Auto Sales, I was emailed an insufficient payment history from Westlake Portfolio ( attached ). Since that day I have called faithfully every XXXX weeks to check the status of my investigation and each time I was told my documents have been received, however, the back office is still reviewing my documents. I have made several calls, complaints and requests to speak with a supervisor and have yet to speak with a supervisor or get the issue rectified. On XX/XX/2023 I finally spoke with supervisor recovery, XXXX XXXX ( I am not sure if spelling of name is correct due to the supervisor being difficult when asked to provide his name ), who advised me that the vehicle was sold and they have no record of payment nor emails, despite the fact I had spoken with several agents since I sent the email on XXXX XXXX who advised the paperwork was received and being reviewed by their back office.
I have requested to have recorded calls to be pulled because Westlake Portfolio has continuously ignored my requests. I have yet to hear anything back from Westlake and when I call I am told that a supervisor is unavailable and that I will have to call back. I am frustrated due to my vehicle being wrongfully repossessed after making such a large payment and having XXXX repossessions being wrongfully reported on my credit report. In such difficult time this has caused so much turmoil and grief to me as a single mother and consumer due to not being able to obtain any source of transportation.
I am enclosing copies of all relevant documentation, including receipts, and any other supporting evidence that XXXX aid in the investigation of this matter. I believe that this incident serves as a clear example of unethical and unconsionability conduct by Westlake Portfolio, and I trust that the CFPB will take swift action to protect the rights of consumers.
Please inform me of the steps taken and the progress of your investigation into this matter. If necessary, I am willing to cooperate fully and provide any additional information you XXXX require.
Thank you for your attention to this matter. I eagerly await your response and appreciate the significant role the Consumer Financial Protection Bureau plays in safeguarding the rights of consumers throughout the country.
Sincerely, XXXX XXXX
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| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Honor Finance sold me a car with recalls and engine problems. 2 days after I bought the car, my XXXX came.I called the dealership where i got the vehicle from and explained the engine problems and recalls on the vehicle, the dealership did nothing to fix my vehicle and advised me to call the Finance company " Honor Finance ''. When I called to report the XXXX information, they said the dealership should fix it, contact the person who sold you the car. When I contacted the man that sold me the car, ( XXXX XXXX ) he said when the Finance company Honor Finance call me, tell them the car is running fine, he tells me, " just tell them that over the phone, I'll get your car fixed ''. When Honor Finance called me I explained to them the car has trouble and it's not safe to drive. The finance company continue to process my loan and I got stuck with the vehicle for almost a year with major problems and recalls so I reported the company to DMV. After I made my complaint with DMV I called Honor Finance and asked them to pull up the recorded conversation of me 2 days later telling them the vehicle is recalled and not safe, they refuse to pull up ANY recorded conversation, in facts they said they cant find that conversation on file at all, mind you " ALL CALLS ARE MONITORED AND RECORDED " so they say. Come to find out the same car dealership ( XXXX XXXX ) sold another vehicle with problems, to one of my friends so now there's two complaints with DMV from the same dealership I haven't got a response back from DMV. So I made a complaint on the Finance Company, Honor Finance. The company is still under investigation at this point. At some point the XXXX Dealership contacted me and legally advised me to dont drive the car, or bring it in so the DEADLY AIRBAG RECALL can get repaired. XXXX put me in a rental for over 30days, even after ONE recall was repaired, I still had 2 more that needed replacement but no replacement was available. After I got my vehicle back the next recall on my car involved the shifting gears. I was never able to shift gears without a 5 min. Delay. This vehicle was a death trap and a hazard to my children and I from day one. Honor Finance has went out of business for selling fraudulent vehicles to people and processing overly high loans on vehicles with a 10 day shelf life. Westlake portfolio management has taken over the contracted loans. Westlake portfolio management is sending me letters stating that they will close my account if I give them {$900.00} if I do not pay this amount they will contact the IRS and proceed with the full balance which is {$4500.00} I've made several complaints to DMV about this company. Westlake Financial is doing the same thing to me asking and requesting for money or they will send this information to IRS. Please help me I no longer have the vehicle they came and picked it up. I do not want any more letters in the mail I do not want any financial responsibility to this vehicle that I no longer have, that was obviously a problem from the day I got it, I have two complaints on file with DMV about these issues. Iam a single parent of XXXX children. XXXX of my children is XXXX and now I have fallen ill from a XXXX XXXX. I'm beyond stressed and overwhelmed due to the harrassment, I'm even more disappointed that I wasn't getting the proper help I've been searching for to resolve this matter within 3years time span. This needs to end today. Please help me.
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| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Westlake Financial has been a predatory lender with crippling high interest rates, and the lender makes it impossible to pay off your loan amount. The company offers payment extensions to clients that are facing hardships, but when they offer you the extension they report to the credit bureaus inaccurate late payment information that kills your credit score that makes it impossible to refinance the vehicle to get out of their lending practices.
Here recently in XX/XX/XXXX due to me being in a bad accident in the vehicle and being hospitalized I called and requested a payment extension. In order to make the payment extension request I was required to make a {$200.00} payment. For some reason the customer service rep stated that they were having a problem and that I would need to go to a XXXX to make the payment with a link that was sent to me.
I call back through the automated system and made the payment with. no problem. XX/XX/XXXX I go into a XXXX store and use the link that was previously provided to me to make a payment of {$390.00}. This payment even with a receipt Westlake Financial is stating they don't see this payment has been made.
I made an additional payment of {$300.00} on XX/XX/XXXX via my bank account. I have not once received any documentation or anything that my payment was behind or that I was in a delinquent status. XX/XX/XXXX I disputed with the local bureaus that there is an inconsistency with what West Lake Financial was reporting to the agencies. Every time they would approve a payment extension they would report my account to the credit agencies as being derogatory extremely penalizing my credit score.
On XX/XX/XXXX they came and repossessed the vehicle saying that I was XXXX days past due on the loan. I advised I just made a payment on XX/XX/XXXX that wasn't even due yet. They advise that payment went towards XXXX payment. I advised I have a receipt of the XXXX payment in the vehicle and I can prove that the payment was made. They advised that I would have to take that up with XXXX and that is not a problem that Westlake Financial could assist with.
At that point I asked what do you guys want to release the vehicle all reps would say I have to wait until the repossession review is completed. Which makes absolutely no since because if I was behind in my loan they know exactly how much money I owe them.
I stated through the length of this loan I have received calls notification etc in regard to the status of my loan. In this instance I have not received anything from you guys about a missed payment of anything. Westlake response is that I requested to be placed on their DO NOT CALL LIST. Which is an absolute bold face lie. I have never requested an such thing from the company.
I feel like this repossession is a sabotage in the efforts to take the vehicle back and resale it to another person when I have paid the original loan off XXXX at this point. Westlake Financial predatory tactics are hurting the consumer more than assisting. Ive tried to work this out with them asked them to fix their error, even reached out the VP of the company, tried to make payments and the company refuses to take any payments which leads to believe this repossession was done illegally and in error for the companies own financial gain, due to me filing a dispute with the credit bureaus due to Westlake financial providing inaccurate derogatory account status.
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| 11/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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To Whom It May Concern : I was reviewing my credit file I noticed that Westlake Financial are in possession of a collection account that I have no knowledge of, and for which I never received a notice of debt from the company prior to reporting this information as required by FDCPA, 15 USC 1692g Sec. 809 ( a ). This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Westlake Financial offices provide me with competent evidence that I have any legal obligation to pay them.
I am willing to excuse this violation as an oversight on their part, yet now that I am aware of this alleged debt, I am exercising my rights under FDCPA, 15 USC 1692g Sec. 809 ( b ) and put Westlake Financial on notice that their claim is hereby disputed and validation is requested.
Be advised this is not a refusal to pay, but a notice that Westlake claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe Westlake Financial. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
At this time, I will also inform Westlake that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by the company or the company they represent, i will not hesitate in bringing in legal actions.
If Westlake Financial offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with an attorney to pursue my legal options.
This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If Westlake offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..
Ive asked Westlake Financial to provide the following below and have not heard anything back.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful..
Best Regards, XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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Westlake financial is reporting inaccurate information to all three major credit bureaus that is damaging my credit unnecessarily indicating that I owe more than my loan amount on a vehicle finance for {$7.00}, XXXX in addition, I paid {$5000.00} down as reflected on the loan agreement towards my principal balance of my loan in which was XXXX because of interest on the loan. My car was repossessed and sold at auction ( I believe ) around XXXX of XXXX, I do not know for certain because Westlake financial is refusing to provide me with pertinent information as verification and or documentation about my car being sold at auction and or the amount the vehicle was sold for. I have requested information but they're refusing to provide it to me. Westlake financial told me about the car being sold at auction over the phone as I contacted them for pertinent information about my loan agreement. Westlake financial is reporting to all Three major credit bureaus that my car payment was {$260.00} my car payment was {$260.00} Westlake financial is reporting that I owe XXXX on my car loan in which is the original amount of the loan itself that was taken out on XX/XX/XXXX. Westlake financial is refusing to send me any paperwork clarifying how much my car was sold for at auction, the remaining balance that I may have owed and or give me any pertinent legal paperwork on the vehicle that I previously owned which was a XXXX XXXX XXXX. Westlake financiaXXXX is refusing to acknowledge that I have made on Time payments for 2 conservative years in the amount of {$260.00} starting XX/XX/XXXX bringing my original balance of {$7.00}, {$660.00} to XXXX this does not including partial payments I made after the two year period of on-time payments during the pandemic which was declared a ( natural disaster ) as at some point I started experiencing financial difficulties. In addition please take into consideration that I put a {$5000.00} down payment towards my car purchase and principal balance of the car loan. The loan agreement states that the amount that I am borrowing from Westlake financial is {$7600.00}. The three credit bureaus are not honoring any information that I have presented and are not doing a thorough investigation ( due diligence ) to verify that Westlake financial is reporting true and accurate information, two years of positive payments made to Westlake financial, leaveing me with a Ballance less than XXXX as indicated by Westlake financial on my credit report pulled through XXXX XXXX on XX/XX/XXXX and making no attempts to correct the information even after reviewing information that does not make sense. I was placed in collections on XXXX of XXXX and my first late payment was reported on XX/XX/XXXX of XXXX how could I possibly owe XXXX in which is the original loan amount, if I were making payments on time for 2 years as Westlake financial has reported to the Three major credit bureaus? With that being said there's obviously something wrong! Westlake financial and the three credit bureaus are refusing to fix the information on my reports and or look into my complaint to correct the incorrect information or update the information being provided by Westlake financial although the information being reported is incorrect / inaccurate and has damaged my credit score ( s ) unnecessarily unnecessarily. Thank you for your time and your help!
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| 07/15/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Today is XX/XX/XXXX and my name is XXXX XXXX. I am a licensed XXXX XXXX XXXX XXXX XXXX and owner of XXXX XXXX in XXXX XXXX. My XXXX mother and myself live together as I take care of her since she almost passed away about a year and a half ago from a XXXX XXXX after falling in the backyard. We only have one vehicle a XXXX XXXX XXXX XXXX XXXX XXXX XXXX pickup truck that we use for everything including my XXXX XXXX. I became delinquent on my truck loan through Westlake Financial after completing my last XXXX XXXX XXXX and my customer didn't pay me. We are completely dependent on our only means of transportation, the pickup truck I own, for all our needs, my mother 's transportation to and from medical facilities, my current need for transportation to and from Civil Court regarding a business matter for non-payment, transportation to and from Criminal Court and XXXX XXXX XXXX XXXX which affects my freedom which affects my ability to take care of my elderly XXXX mother, my new licensing testing through XXXX for my XXXXXXXX XXXX XXXX, and all my needs for transportation in order to run my XXXX XXXX as a licensed XXXX XXXX XXXX XXXX XXXX ( ie advertising, appointment & estimating jobs, signing contracts with customers, performing the work on my jobs, training & managing my helpers, etc. ) Yesterday I had a scheduled court appearance at XXXX with the XXXX XXXX XXXX Court when my XXXX XXXX XXXX XXXX XXXX XXXX was repossessed while parked at the top of our driveway while I was standing outside before they had finished hooking the vehicle up while I was protesting the towing and reciting the AB-2210 law that states a California law that protects consumers against the worst of illegal towing. Under AB 2210, if you spot a tow truck driver taking your car, and the tow truck is still on private property, the driver must release your car to you unconditionally.
A tow truck operator who violates this law is subject to a civil misdemeanor, a fine of {$2500.00}, and/or three months in jail. Also, consumers who can prove they have been charged illegal or excessive towing or storage fees are entitled to recover four times the amount of those fees in small claims court.
While I was telling the two tow truck operators to release my vehicle and stop their collection efforts they continued to hook up the chains on the tires while telling me the vehicle was ready to go and that THEY WERE GOING TO TAKE MY VEHICLE against my will and the California law AB-2210.
They then told me I could dispatch law enforcement ( just to get me out of the way of their towing efforts ) and when they arrived they would speak to them but they would allow the tow anyway. So I told them to hold on, went back inside the house and called the XXXX XXXX County Sheriff 's Department and requested a unit to come out to our house after quickly and briefly explaining the circumstances at hand. I was on the phone with them for less than 5 minutes and after quickly hanging up the phone ran back outside to find they had taken off with my truck. I have a witness, my Elderly mother, XXXX who saw everything unfold and watched what was going on outside while the front door was wide open.
After Deputy XXXX XXXX arrived and I reported the incident, he supplied me with the following incident report number and telephone contact number : XXXX XXXX ( XXXX ) XXXX Incident # XXXX
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| 01/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX Westlake financial received my package containing information to rescind the contract Its been brought to my attention that my contract is in violation of federal laws, However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ) So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with '' 15 USC 1605- determination of finance charge, the dealership XXXX XXXX XXXX XXXX a down payment of { {$2000.00} } from me when it clearly states that any transaction that is an extension of consumer credit is suppose to be XXXX percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction..
The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. XXXX XXXX XXXX failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. XXXX XXXX XXXX failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by XXXX XXXX XXXX Westlake financial would not accept my credit application unless I had a down-payment 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
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| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Westlake presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract.
I sent Westlake an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered around XXXX XXXX according to USPS. Westlake defaulted on the Affidavit of Truth, which they have failed to respond to with the documen
ts I demanded. Westlake not only committed consumer rights violations, fraud, racketeering and identity theft but they also stole ( repossessed ) property that was not theirs and that should not have been stolen/repossessed. Repossession of my vehicle for non-payment is fraudulent since the vehicle was paid in full the moment I signed the contract.
Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. Westlake attempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void.
The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and Westlake took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number XXXX.
Westlake has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in
a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. They are reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. Westlake has failed to balanc e out my account every month to rectify their bank error caused by their mismanagement of payment. Westlake has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. As a result of these documents being sent to restore my financial reputation, Westlake is reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ).
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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Dear Westlake Financial Services, I am writing to express my extreme dissatisfaction and anger regarding the inconsistent and incorrect reporting about my account with your company. It has come to my attention that there have been multiple discrepancies in your reporting, particularly in relation to late payments, which I vehemently deny.
According to your records, there is a late payment reported for my account for both XX/XX/XXXX and XX/XX/XXXX. However, I want to bring to your immediate attention that these late payment records are completely erroneous. I have never been late on any payments, and it is absolutely unacceptable that you have falsely reported otherwise. Such inaccurate reporting not only tarnishes my credit history but also violates my rights under the Fair Credit Reporting Act ( FCRA ).
The FCRA clearly stipulates that consumer reporting agencies, such as Westlake Financial Services, must maintain accurate and up-to-date information about consumers ' accounts. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA explicitly requires that information furnishers, like yourselves, have a duty to correct inaccurate information and promptly notify the consumer reporting agencies of any corrections. Your failure to adhere to these legal obligations is deeply concerning and represents a severe violation of my rights.
To rectify this matter immediately, I kindly request that you take the following actions : 1. Correct the erroneous late payment records for XX/XX/XXXX and XX/XX/XXXX on my account, and update your records to reflect the accurate and timely payments I have made.
2. Notify all consumer reporting agencies to which you have previously reported this inaccurate information and request that they update their records accordingly.
I would also like to inform you that, due to the seriousness of this matter, I have submitted a formal dispute with both the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). I have provided them with detailed documentation and evidence to support my claim of inaccurate reporting and violation of the FCRA. I trust that these agencies will thoroughly investigate my complaint and take appropriate action against Westlake Financial Services.
It is imperative that you address this issue promptly and efficiently. I expect a written response from your company within 30 days of receiving this letter, confirming the corrections made to my account and providing evidence of your communication with the consumer reporting agencies regarding the rectification of the inaccurate information.
Please be aware that if this matter is not resolved satisfactorily and my credit history remains tainted, I will have no choice but to pursue all available legal remedies to protect my rights, including but not limited to, initiating a lawsuit against Westlake Financial Services.
I anticipate your immediate attention to this matter and a swift resolution. I trust that you understand the gravity of this situation and will take the necessary steps to rectify the inaccuracies without further delay. Failure to do so will leave me no choice but to pursue all available avenues to ensure my rights are upheld.
ATTACHED ARE THE SCREENSHOTS OF YOUR INCORRECT REPORTING!!!
Thank you for your immediate attention to this matter.
Sincerely,
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| 11/14/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I find out in XXXX that Westlake Portfolio Management is stating that I owe them {$7700.00}. Because XXXX XXXX company went out of business. I called the in XXXX. I spoken to a customer service rep. I told the rep. I do NOT know who Westlake Portfolio Management is so can you please send me documents connecting with this debt. He basically told me to just pay the debt we do NOT have to send anything. He was very rude and offensive with his tone. I wrote total of 3 letters. I wrote two to XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and one to an XXXX XXXXXXXX, XXXX XXXX, CA XXXX. I also send the letters Certified Mail Receipt with a signature. This basically said, I am disputing alleged debt. I would like the name and address of the of the original creditor, long with an agreement with my original signature binding me to the alleged debt. I requested confirmation of account not crossed the status of limitation Period ( SOL ). I need evidence of your license number and your registered agent. The company Westlake Portfolio Management did not send me NOTHING!! They wrongful repossess my auto ( XXXX XXXX XXXX ) on XX/XX/2018. I spoke to XXXX on XX/XX/2018, he was polite and very helpful. I called back on XX/XX/18 and spoke to a supervisor in Servicing, XXXX. She basically said, Westlake Portfolio Management ( Debt Collector ) do NOT have to send me any proof of anything!! On XX/XX/2018 I spoke to XXXX XXXX, she stated, that it is under review. I get a call from they every morning now said you going to pay this debt. I asked they do they see the note in the system they say yes but you know this is you debt and you is going to pay it, Harassing! I did research Westlake Portfolio management. I know they do NOT have an license to operated in the state of Florida. I know they do not have the legal right to repossess my car. I know when they repossess my car the tow company ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). They give me a receipt after I PAID for my belongings. The receipt stated, the Lien Holder is XXXX XXXX! Now I know they did NOT have any legal standing to repossess my car. They ignore my written request to verify the debt and continue to collect. The requested was made in 30 days ( [ 15 USC 1692g ] 809 ( b ). They continue to collect on the debt before providing verification after receiving my dispute letter, the debt collector must STOP collecting on the debt until I have receive verification. [ [ 15 USC 1692g ] 809 ( b ).
To top it off : On XX/XX/2018 Friday, I was called into my supervisor office to find out they have been calling my job repeatedly non-stop. My supervisor XXXX said, this must STOP. She looked it up while I was sitting in her office. She said, with in the last 3 days I got 20 calls from this number, XXXX. I called the number to find out it was them ( Westlake Portfolio Management ). I spoke to XXXX on XX/XX/2018. I specifically told her to call me at my number and had her to repeated the the number twice. She ignored my request and called my job. My supervisor gave me a verbal warning. I want my auto vehicle back in my drive way. I would like to be compensated for ALL the money I had to use and ALL the inconvenience that it cause me. All the duress and harassment that Westlake Portfolio Management has cause me, my family and my job.
|
| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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My grandmother, XXXX XXXX, passed on XX/XX/XXXX. I am the person our family has designated as responsible for settling her estate. None of the children were in a position to settle the estate, and I am the XXXX grandson. It is a minimal estate with about XXXX in total assets. The biggest part of her estate is her car. She had a loan on this car through XXXX XXXX XXXX. I called them on XX/XX/XXXX and asked them what I needed to do to get this account settled. They informed me that they needed the XXXX certificate before they could proceed. I sent them the XXXX certificate that day ( proof attached to this request ). I later called back to get the payoff amount. Due to my name not being listed on the XXXX certificate, they could not speak to me. I understood that policy, and had XXXX XXXX ( my aunt and the party listed on the XXXX certificate ) call to obtain the payoff amount. She got the amount to me, and I submitted XXXX payments on XX/XX/XXXX ( from my personal funds as again this is a small estate, and my grandma did not have any XXXX to draw from ) that were above and beyond the payoff ( I added extra interest just in case the payment didn't process right away ). I received the email confirmations for each payment. I had to submit XXXX separate payments as the system would not allow me to submit XXXX for the full amount. I noticed that after a week XXXX of the payments didn't go through. I'm not familiar with XXXX 's system, so I wasn't sure why that was. After this payment still hadn't processed and sufficient time passed, on XX/XX/XXXX, we ( XXXX XXXX and I ) called to get the status. We were told that the payment wasn't able to process due to invalid account number input. This was confusing as we had received a confirmation email. Per the representative, a notification was sent out XX/XX/XXXX ( I believe ) notifying us of this. That notification was NEVER received, which is interesting as we have received every other notification and statement from XXXX. Had we been alerted, we would have fixed the problem immediately. Now, we have a new payoff amount with extra interest and greater fees. It is my opinion, that XXXX should have waived the fees and the extra interest on this loan as this was a lack of communication on their part, especially when you have a party who was expressed that they are trying to get this loan paid off. On XX/XX/XXXX, I paid off the rest of the loan. It is now XX/XX/XXXX, and we have yet to receive any notification of payoff from XXXX. We still do not have the title to the car, and I am unable to move forward with settling the only asset in the estate. Furthermore when XXXX XXXX called ( as that is the only party XXXX is able to communicate with ) on XX/XX/XXXX they now no longer have the XXXX certificate on file, and I had to resend. We still have no idea where the title to this vehicle is, and what is going on on XXXX 's end. This is incredibly unprofessional, and has resulted in extra fees, time, and headaches as a family is already trying to navigate the grieving process. I have attached emails to support the above narrative. I am technically filing this on behalf of XXXX XXXX, as she is the named party on the XXXX certificate. Any help to please allow us to get this chapter of the estate closed would be greatly appreciated!
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| 05/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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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.
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| 02/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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XXXX XXXX XXXX Date of purchased/deliver XX/XX/XXXX vin # XXXX Tag # XXXX Describe your complaint : I purchased a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX and Westlake Financial Services were the financial institution for the loan.
When the car was purchased they had to jumpstart the vehicle in order to take it out of the dealership. They stated that the vehicle had a new battery and that they didnt start their vehicles often. That I should not worry about it and if that something happened they will take care of it at no extra cost. About five days later happened again at the house. They came to the house and jump started. The day after they replaced the battery. Then, on the XXXX of XXXX happened again. I purchased a box to jumpstart the vehicle and went to the dealership and informed them of the situation. They stated after checking the vehicle that is nothing wrong with the vehicle. And they told me that if happened again to bring it back to check it again. On the XXXX of XXXX the car did not want to start again. I took the vehicle to the dealer and left a letter about my disappointment of the vehicle, their lack of service in finding the problem and requesting them to solve that issue and other problems that the vehicle already had. The owner of the dealership call my husband very disrespectful stating that we couldnt bring the vehicle to the dealer every day. That they have a business to run and that we were interfering with their daily business. That their recommendation was for us to take it to an authorized XXXX dealership and have the vehicle diagnose at our own pocket. The owner of the dealership did not read the letter that I left there. My husband called him again at XXXX and the owner stated that he did not read the letter and that he was going to read it on Monday. Meanwhile the vehicle did not want to start on Sunday again. But this time when it was jumpstarted the signal lights and the headlights did not want to come up. Today the vehicle did not want to start again. Talk to the owner and he stated that since we had the vehicle over 30 days that he could not switch us to another vehicle nor cancel the sales agreement, that if we return the vehicle our down payment will be forfeited and that it will count as a volunteer surrender of the vehicle. I tried to get a mutual agreement with the dealership of them to keep the down payment and return the faulty vehicle. I contacted more than 20 times to Westlake Financial and asked to speak with the compliance dealership department and they refuse to transfer the call. With the representative that I have spoke they tell me that there is nothing from them to do unless the vehicle have an engine or transmission problems but they do not guarantee the cancellation of the loan. Tonight I asked them to find a supervisor and they denied me to speak to anybody else. Also, I asked for the name of the agency that regulates them and the representative said that she did not have that info nor transfer the call to somebody that could help. The vehicle has being 25 days in an auto shop and they can not find what is wrong with it. I hope by me contacting the relevant agencies that this issue can be solve since neither Westlake nor XXXX XXXX XXXX are doing anything solve it.
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| 03/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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To Whom It May Concern, Westlake Financial apparently bought the car loan for the XXXX XXXX XXXX I purchased from XXXX XXXX XXXX which is also known as XXXX XXXX XXXX ( both entities are owned by the same person ). I purchased the car on XX/XX/XXXX. I did not receive a copy of the contract when I purchased the car. Shortly after, I became ill and required the assistance of my mother to assist me with my finances. My mother made the initial payment using her debit card in XXXX or XX/XX/XXXX. When I was able to take care of my own finances, my mother questioned me about the loan terms of the loan and asked for a copy of my contract. So, we ( my mother and I ) contacted Westlake Financial ; requested a copy of the original contract, on or about XX/XX/XXXX. We were informed by a female representative, I would receive a copy of the contract via email within 24-48 hrs. After I did not receive the contract, I contacted XXXX XXXX XXXX and requested a copy of my contract. To this day, XXXX XXXX XXXX, also known as XXXX XXXX XXXX, has not given me a copy of the requested document. We intentionally did not make a payment from XX/XX/XXXX through XX/XX/XXXX because we were waiting to receive the document I had requested ( contract ). My mother and I decided to call again and spoke with another Westlake Financial representative ( male ) on XX/XX/XXXX. We requested a copy of the original contract, once again and informed him this was the 2nd request for a copy of the contract. He assured me he would send a copy of the contract via email if I agreed to make a payment. He also informed me, there was a repossession order in affect due to none payment. My mother made a 2nd payment with this same representative on XX/XX/XXXX using her debit card. We still did not receive a copy of the contract but instead, a copy of the buyers order was emailed. Upon viewing the buyers order, I noticed there were 2 e-signed signatures on the last page and e-signed initials. I also noticed the terms on the buyers order were not the terms I agreed upon when I purchased the car from XXXX XXXX XXXX. I began to call XXXX XXXX XXXX to question what happened and why was the buyers order different and also requested a copy of my application and original contract. I still have not received the documents. On XX/XX/XXXX, I made a payment by contacting Westlake but turned around and cancelled the payment within an hour, after speaking to my mom and she informed me, XXXX XXXX XXXX nor Westlake Financial had sent me a copy of my original contract that I requested around XX/XX/XXXX. On XX/XX/XXXX, my mother and I contacted Westlake Financial and demanded a copy of the original contract and a copy of the original application. We informed a female supervisor at XXXX XXXX, this was the 3rd request for a copy of the contract. She apologized for the inconvenience and immediately sent a copy of a contract via email. Upon viewing the contract, I noticed there were singed signatures on the document. I am furious because this is not the document I signed when I purchased the car plus someone forged my signature with an e-sign signature! My question is why did Westlake Financial purchase the loan without a document that contained my original penmanship signature? My rights have been violated as a consumer!
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| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Salutations ; My name is XXXX XXXX, I purchased a car through XXXX XXXX of XXXX. It was a XXXX XXXX XXXX.
When purchasing the vehicle, I needed to get a loan, and the dealership had a list we went through and picked one. That company happened to be : WestLake Financial Services www.westlakefinancial.com Initially my payments were {$710.00} a month, and I made every payment on time. When I checked my breakdown of the financials, I noticed they were keeping money for themselves and not reflecting it towards my payments for the car.
At this point, I decided I needed to go with someone else, so I went to my bank which at the time was : XXXX XXXX XXXX, they re-branded to : XXXX XXXX XXXX.
My personal banker, XXXX XXXX assisted me in refinancing my car loan through them, which afforded me better rates and obviously better customer service.
During the transition from WestLake Financial to my bank, I suffered a great deal of stress from WestLake.
They initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service.
They continued their relationship with me through abusive practices of misdirection and empty promises.
They maintained a measure of unfair means of leaving by posting non-working phone numbers on their website, e-mails and links.
It took me entirely too long to leave them.
I had my bank provide me with a loan payoff amount that WestLake financial requested, WestLake then told me they did not accept payment through wire transfers or direct banking and I had to mail them a cashiers cheque or money order.
My banker helped me in the process of converting my loan to a money order and mailed it out through first class priority mail requiring a signature upon receipt. I believe it was XXXX who verified it was delivered and signed for, WestLake then told us they didn't receive the cheque and I was being billed interest and additional charges through this process too- which changed the amount I needed to mail them, so my banker had to cut a second cheque for an even bigger amount.
I made over twenty phone calls and over twenty e-mails to WestLake, including my banker in the dialogue for record keeping and they ran me in circles for weeks.
Providing me with numbers that were disconnected, e-mails that were returned saying those accounts were not active.
I gave my banker POA to assist me in this matter and they refused to talk to her on the phone or through e-mail, so I had to miss work on several occasions so I could sit in my bankers office to be on speaker phone.
And finally when we finally got the loan switched over after paying extra money and causing me severe pain and suffering, they still refuse to send the title of the car to my bank.
Someone needs to take action and shut these fraudsters down! These are unacceptable business practices and I know I am not the only one suffering from these XXXX XXXX XXXX. If I wasn't already poor, I would hire an attorney and try to sue to get some money back. Hopefully you guys will have better luck.
For any additional information or for verification you can also e-mail my banker at XXXX I hope you guys can do something about this, and maybe possibly help me get my cars title from them?
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| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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To whom this may concern : This complaint is involving Westlake Financial and XXXX XXXX XXXX.
I purchased a XXXX XXXX from XXXX XXXX XXXX XX/XX/XXXX, my down payment was XXXX My financing was going to be provided by Westlake Financial through an employee program being offered at Westlake Financial.
I started my payments on XX/XX/XXXX for a term of 48 months.
I have been in touch with Westlake and been making my monthly payments to them.
Since XX/XX/XXXX I have been trying to make a payment but I am being told my account is paid off, without any explanation, this does not make any sense.
I have my vehicle and I have been making my regular monthly payments.
No one has informed me of any changes.
When I asked for answers on XX/XX/XXXX, I spoke to XXXX, supervisor of servicing. She told me first that this contract was " boughtback '' by the dealer since XX/XX/XXXX due to a title issue. Having made payments to Westlake for close to a year this made no sense. She then said that Westlake has reimbursed all my payments to me in the form of a check that I should have.
When I asked her for the check amount, date and check number, she could n't provide me any of that information. Then she said that the buyback was received XX/XX/XXXX and would take 21 business days to reimburse the payments I have made. I was speaking to her XX/XX/XXXX, more than 21 business days have passed, she still did n't have an answer for me.
I asked her why this was happening, why no one had contacted me and she had no answers for me.
When I asked her about the down payment she said to speak to the dealer. She told me the dealer would repossess the vehicle because they had title issues. Since I have complied with my contract, I told her that it would n't be correct for the dealer to repossess the vehicle, having complied with my contract and made all my payments.
She told me there was no contract. This does n't make sense, since I did sign a contract at the dealer.
Most of the information she provided to me was vague, either did n't make sense or was incorrect.
I asked for another manager to review this matter and get back to me and have not heard from them.
Regarding the dealer, the dealer XXXX XXXX XXXX, called me asking me to go in for a smog check. When I emailed them to schedule a time, they told me they do n't do smog checks.
They have failed to inform me they " boughtback '' my contract and have no finance company for me. They have not told me about any title issues they are having.
When I called XX/XX/XXXX, a man name XXXX insisted he needed my vehicle for smog.
I confronted him that Westlake claims my loan is closed. He said he did n't have any idea. I told him Westlake claims my account is paid buyback by dealer due to title issues. He insisted again to take my car there for smog but I mention to him I do not feel comfortable. Both dealer and finance company are not telling me what is going on. They are being deceptive instead of honest.
After a down payment and close to a year of payments, this title is still not transferred or in my name. My registration is also expired!
I asked the dealer to provide me answers before I go into the dealership.
I need answers both from the dealer and finance company.
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| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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|
Web |
Older American |
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In XXXX XXXX , I contacted Wilshire Consumer Credit to barrow {$2900.00} against my car. I had a money emergency and wanted to pay the loan back soon. I was offered a couple of options. The first was to pay interest only, and pay the loan in full when I felt like it ( I said no to paying interest only, and I will never have the money to payoff the loan full amount at once ). The second option was to pay {$220.00} a month for XXXX hree years. I took that one ( the loan was actually thirty six ( 36 ) mon ths, for which I paid a total of {$9300.00}, for a {$2900.00} loan ). In XXXX XXXX , when I called to pay what I thought it was my last payment, I was told that my 'payoff ' amount, was {$2800.00}. They said not to worry, because I qualified to have a new loan re-write, paying the principal this time. I was shocked by the news. This was the first time in 36 months that I was told my balance due. In the past, I have contacted them several times asking why my balance did n't change in my invoice, requesting my new balance. I never was sent what I requested, only the list of already made payments. I was told that my interest changed because sometimes I paid few days late. I trusted them as a regular car loan company, and believed that as long I made my payments on time, I was OK. During all that time, even when I asked, I was never told that at the end of 36 months, I will have to payoff the total loan or renew it. Also in XXXX XXXX , I moved and I misplaced my written contract with them ( inside many boxe s ). Af ter several phone calls that lead nowhere, in XXXX XXXX , XXXX , I wrote them a certified letter explaining my stance, requesting a copy of my contract, and refusing to make any more payments, staying that I already had paid more than the 300 % of the loan amount. The have denied receiving the letter, and kept calling me to collect. I have also told them that that their business behavior is usury in the state of California and if they did n't come up with a honorable solution to my case, I was going to file a complaint against them. They still behaving like I must keep my contract. The car is a XXXX XXXX XXXX XXXX with XXXX miles, and was priced by the XXXX XXXX XXXX at $ XXXX {$1400.00}. During 36 months I was under the impression that I was paying off a very expensive loan. I believe they lied to me all along. As today, I have not received a copy of my loan contract with them. they keep calling and hear no reasoning from my end. I am a sixty five years old senior citizens, that ca n't afford anymore payments ( specially when I never expected to have anymore payments ). Even if they find my contract, and I 'unknowing ' the real content of the contract might signed the wrong agreement, I honestly believe they have scammed me with about {$5000.00} above the State of California 12 % interest rate law, and are still trying to take another {$2800.00} plus interest from me. I was expecting to finish paying the loan, save a little money and change the car for anoth er one in bett er shape. They have th XXXX XXXX XXXX of the car. They have not threatened yet to take the car from me. I am also XXXX , every single day I am sacred that they will show up and take the car.
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| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please BLOCK this account : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9100.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau XXXX and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State XXXX or local law enforcement agency, including the United States XXXX XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau XXXX and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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To begin, i have contacted Westlake financial LLCs. at the beginning of my loan terms ( XX/XX/2022, ) about a dispute i had with the dealership starter cars of XXXX raising my sales price on the loan paperwork, i was brushed off multiple times by customer service representatives but continued to make my payments while i researched potential remedies. After less then 6 months of my loan terms i had another dispute with Westlake that i had emailed and called multiple times about for another dealership fraud issue which pertained to me and my family 's safety with the vehicle and its ability to pass state inspections under the FCRA, they again ignored my requests until i raised XXXX and asked to be contacted by their legal department immediately. days later i received a email from a attorney XXXX in legal asking for information on my legal counsel or if i wished to represent myself when i then directed them to my attorney. since then i have received multiple calls per day for a few weeks as well as threats to repo the vehicle which i no longer had possession of the garage that completed the safety inspection and affidavit had to retain possession by my understanding and with two separate customer service reps clearly stated deferred payments were agreed upon until this problem was resolved. Since there has been little communication from Westlake other than contacting my attorney for more documents to bolster their case vs. starter cars dealership. Since then my attorney has reached out multiple times via calls and emails for a status update as well as remedies for the incorrect and negative information they are furnishing to the credit agencies. now with over 1.5 months still no returned contact from Westlake on said issue. with repeat disputes to the credit agencies they have provided false payment information showing excess balances as well as paid months i have not made, my last payment was in XXXX, 2022 due to the legal arbitration in XXXX along with the agreement of deferred payments by the service representatives. On my credit reports they are showing 2 extra payments one for XXXX $ which i did make due to harassing phone calls about payments. as well now reporting my late payments to the credit agencies id dispute then brought current then again tacked on another late within less than 5 days. then again brought current then 60 days late, now to the 90 day mark they have completely screwed my life up when ive been in the process of obtaining a mortgage loan to buy a home with the mortgage terms needing 12 months with no missed payments I'm now fu**ed as well as my family when ive had perfect payments for over 4 years. Also locked me out of my loan account from making payments is that legal? so now not only were they screwing me personally but now the well being of my family as well. And with their legal requesting the mechanics who reported the issue to hold possession of the vehicle i have had to obtain another vehicle with less than suitable financing and a co-borrower to be able to do my job and make income for my family this is complete XXXX XXXX this company gets away with they need shut down! over XXXX CFPB complaints and still rising daily and still getting away with ruining peoples lives!
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| 10/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I signed for my boyfriend at the time to get a loan for a XXXX XXXX XXXX on XX/XX/XXXX. My boyfriend at the time was making the payments every month as assigned i was the cosigner, until i was going to make a payment over the phone in XX/XX/XXXX or XX/XX/XXXX payment XX/XX/XXXX and was told that my account was being reviewed at the moment by the state of mass all of the mass accounts were. I guess they were being sued. Therefor I was told i did not have to make a payment until they finished reviewing the accounts. So I found it odd but i went with it. I called again just to verify it was not going to hurt my credit. I asked for something in writing and they could not send me anything i had to call several times until i got a letter stating they would not report anything to the credit bureaus. Anyhow in XX/XX/XXXX they started to send the bill to start paying, but an emergency had came up with my boyfriend at the time not being able to pay for the car because he had to leave town for about a year for an emergency. I then called westlake to voluntary surrender the car, they took very long to come get the car maybe about a week or 2 not sure can not recall much from now. They did not have specific date to get it they said. finally picked up the car. The issue is that he only had the car for a year until i surrendered it voluntary. they sold the car for {$730.00} for a car that I financed {$8000.00} k plus and only had the car for a year. It does not make sense at all so now i have a debt of $ 5k plus on my credit report and it is still showing open. mind you i surrendered it in XX/XX/XXXX. I called them every week after I received the letter stating that i have a balance of $ 5k plus which i truly believe it is unfair to me as a consumer. They are ripping me off not only me but others as well. That is why the state of mass was on their case. They want me to pay for a car that was unfairly sold at a price that is uncalled for. I kept calling them and they never seem to know anything about it. I kept asking to speak to a supervisor and they were never around. One time they asked for my number so that a supervisor would call me back and i never received the call. I then told them they are ripping people off they dont know how to treat people or answer to people but to take their money. Then they sent my account to collection when i received a letter from the collection agency right after the last call, but in the mean time they still have my record and never reporting appropriately to my credit report. My credit report still showing i owe all that money. I believe I should not have that huge balance remaining after all that trouble and not being able to communicate with manager or supervisor at all times. They never knew anything. Horrible customer service. XXXX XXXX XXXX sold for {$730.00} is ridiculous. I will not pay for this and or I will take this to court like I told them on the phone. They treated me very unfairly. They also did not have paperwork of the car being sold at that amount when i asked them. They never returned calls. That is when they sent my account to collection. Please help us consumers doing the right thing when Financial institutes are taking advantage of us. I do have rights.
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| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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On XX/XX/XXXX my husband and I purchased a used XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Vehicle price was around XXXX USD at sticker price. We decided to buy a warranty to go with it for around {$3000.00}. My husband asked the car salesman how much it would cost after interest and he said, " probably around $ XXXX ''. The whole process was long and time consuming and we were pretty tired at the end of the whole ordeal. I am XXXX and English is my second language but I am able to clearly understand what was being said by the seller, and so I signed the contract online which the seller envied me by email just by clicking on the small squares believing that the final price from the car it costs around XXXX. They told us that we were approved for a line of credit. The seller printed out the copy of the contract and handed it to me and my husband accepted the paperwork across the table. The numbers that appeared on the page looked and sounded familiar, except the high monthly payment of {$650.00} seemed excessive even though I paid {$2000.00} down payment and had an approved credit limit with good credit score but we needed the vehicle so I could work and then, almost at the end of signing all the paperwork, my husband decided that he and my stepson who I had with us at the time and he was XXXX XXXX XXXX, they went out to the car to rest while I finished signing a paper where I authorized the bank to do monthly withdrawals from my XXXX XXXX XXXXXXXX account for the monthly car payment and a paper authorizing the license plate transfer from my old car to the XXXX. We took the XXXX home and naturally started making payments. I pointed out to my husband the difference between the amount that was going to the principal and the amount that was going to the interest rate and I knew that something was already wrong that this was the third car he had bought and as much as I am a foreigner at country I am fully capable of ascertaining the values and figures in question. When I saw the discrepancy between the two, my husband and I were baffled. They were charging me 20.79 % interest on the principle. The interest I'm paying on this car is DOUBLE and if not triple because in the month of XXXX alone I pay only {$31.00} in principal and more than {$600.00} in INTEREST! That's a robbery, and in the end a XXXX - XXXX car is going to cost almost XXXX. In just 7 monthly payments from XXXX to XXXX I paid just {$1200.00} in principal and {$3300.00} in interest ONLY! I have never heard or seen such disrespect in extorting and taking advantage of a person in this way. I looked up the Florida Statute on User in the State of Florida and it states that anything above 18 % is considered as such. This, in addition to an outrageous attempt to rob me, is a lack of respect for the customer, as my husband and I were deceived. I demand that this interest rate be recalculated before we can start a legal process where under the contract I have the right to return the car and get back all the money I paid. See attachments so you can briefly authenticate financial documents and evidence on Florida State Statute which clearly states the maximum allowable rate of 18 % and that 20.79 % is considered a crime!
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| 11/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
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I initially was approved for financing with XXXX by Westlake Financial. XX/XX/XXXXBefore being paid in full I would receive late night phone calls, from block numbers it would be a westlake rep being rude, laughing and then they would hang up.
Westlake would act as if they didnt receive payments that I made. So in XX/XX/XXXX I paid my car off. Never received title. Then on XX/XX/XXXX I went to go view a home I wanted to buy. I arrived at the home and entered. No more than 10 min had passed. I saw a tow truck backing up to my car. I ran outside and asked the guy what was he doing as I was getting in my car. I told him Om viewing the home and was he looking for the previous owners. He replied no im going to repo the vehicle. As I sat in my car he lifted my vehicle while i was still in it. Then said he would call the police. I told him go aheah! The police arrived and the company westlake hired told an officer of the XXXX Police department that the finance company was tracking my vehicle.
I know that my vehicle has no pre installed gps for the model and year car. Nor after market. I showed the police documents for payment ect ... .They stated this is a civil matter and they were leaving. After 20 min XXXX of the XXXX men said they were dropping the car. So they left. A course of 48 hrs. I was followed by multiple vehicles. I stayed up with no sleep. I would go to random locations between midnight and XXXX and I would see either a tow truck or a guy driving a Hyundai Elantra with transponders on the hood.
I would go to the park and they guy in the car would sit and stalk me. On the 3rd day I went to the park and within 15min the guy pulled up. Almost T boning my car.
I asked him why does he keep finding me. And to leave me alone because I paid for my car. He was standing my the passenger window and said He just wanted to let me know westlake canceled the repo. I responded ok so why are you following me. He replied I need to get the tracking device off your car. I asked well how did it get there. He replied I put it there. I said No we will wait on the police.
He reached down before I could pull off and snatched something that was black off near my front passenger side tire. So I pulled off to block him in the park to call XXXX. He was able to drive off. I followed him but had already contacted the police. I was instructed to write down the license plate and go back to the park the police were waiting. I returned to the park and told officers. There response was in the state of NC it is illegal to put any type of tracking on a vehicle as such without a warrant. I was given a police report number and was told a detective would follow up. They also asked a description of the man. The license plate number was tracked to a detective company. But they had no legal right to put any device on my car. Placing a device on someones car in NC is considered and Illegal search.
Westlake conspired with this company to commit a illegal act. I dont know exactly when the device was placed. Upon a full professional evaluation of my car. I was told someone tried to disable my vehicle to where it would cause injury. And a estimated damage of {$5000.00}. Incl the tow truck damages.
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| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Purchased vehicle from XXXX XXXX through their in-house lender XXXX XXXX XXXX XX/XX/22. Discovered that my XXXX XXXX loan was paid off on XX/XX/22 when I was attempting to make a payment. Called XXXX XXXX and could not get an explanation until XX/XX/22. XXXX XXXX stated that payoff was sent from XXXX XXXX which is XXXX XXXX On the same date I received an unauthorized hard credit inquiry on my credit report. I began calling XXXX and spoke with 4 representatives. They all stated that my vehicle was paid off but could not explain why. I decided to go to the lot. Once at the lot I was directed to to a gentleman that claimed to be the owner named XXXX XXXX. He told me that a new account was created since they had the wrong VIN # for my vehicle on the agreement. So the vehicle that I have been driving was not registered to me. The registered plates on vehicle were registered to the wrong VIN as well. He stated he fired the lady that helped me with the purchase because she caused this error and he didnt discover it until he sold the other vehicle which VIN is on my documents and loan. I told him on XX/XX/22 I received a request from the salesperson to send her a that a picture of the VIN and I did. He said that is when the VIN error was confirmed so he had to payoff my loan. When I asked why no one contacted me or why it wasnt noticed when they put on my plates back in XXXX he became very argumentative and attempted to blame me for not noticing the VIN # on the document and car differed. I then told him that they ran my credit today ( XX/XX/22 ) without my permission. He said he did it because he paid off my car loan so technically its his car and I would need to be approved by him to keep the car since the previous loan is cancelled. I told him that since my loan is cancelled and I have not filled out a new application with him it should be voided and I should be refunded and the unauthorized credit inquiry should be removed. He stated that the inquiry will be removed by next Friday. He stated that he will call the bureau on Monday and say it was a mistake. He continued to say the old loan was cancelled. He stated that I could just leave his car if I didnt want a new loan. I explained that I would happily leave the car if he reimbursed me the {$3700.00} of payments, {$500.00} a/c repairs and {$1900.00} body repair & paint job that I had invested into the vehicle. He agreed that he would. Then I placed a call to arrange a ride home because he stated that he was going to XXXX the money right then. I told him that I needed a settlement agreement or something in writing immediately showing that the loan would be undone and my account will be reported to the bureaus as paid in full or paid as agreed and he refused and told me I could leave his office. I asked about the refund and he told me no and to leave. He then proceeded to follow me out and said that he will not accept the XXXX payment and he will just pick up the car. XXXX has also advised that the payoff that he sent is pending review of possible dispute and that they can not accept any payments since loan is in paid off status.
Please include the Seller XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX
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| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Account reinstatement or redemption after repossession
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Web |
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In California, unauthorized entry and trespassing by repossession agents are regulated by several laws, primarily under the California Civil Code. One specific provision that addresses this issue is California Civil Code Section 1708.8.
California Civil Code Section 1708.8 states : " A person shall not intentionally enter onto the land or into any improvements on the land of another without the owners or owners agents permission. A person who commits trespass is liable for the damages caused by the trespass, and for the profits lost due to the trespass, as provided in Sections 3334 and 3335 of the Civil Code. '' This provision prohibits intentional entry onto the land of another without permission and establishes liability for damages resulting from the trespass. In the context of repossession, if a repossession agent enters private property without the consent of the property owner or lawful occupant, it may be considered a violation of this statute.
Complaint Regarding Repossession and Unfulfilled Agreement with Westlake Financial I am writing to formally address a concerning incident involving the repossession of my vehicle by Westlake Financial from my private gated community, where access requires a designated code. On XXXX XXXX XXXX XXXX XXXX XXXX, I adhered to the agreed-upon terms and paid repo fees totaling {$980.00} for the reinstatement and release of my XXXX XXXX XXXX XXXX
Regrettably, within 30 minutes of completing the payment, specifically at XXXX pm on the same day, Westlake Financial had my vehicle retrieved from XXXX XXXX XXXX XXXX XXXX XXXX An email notice was subsequently sent to me, providing location details for picking up my vehicle, specifying XXXX XXXX XXXX as the repo name and XXXX XXXX XXXX as the auction name.
Upon contacting the specified facilities, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both entities deny possession of my vehicle. Conflicting information has been provided by Westlake, XXXX, and XXXX, leading to a lack of clarity regarding the whereabouts of my car.
In conversations with representatives from each entity, it has been established that XXXX XXXX XXXX claims Westlake Financial initiated the order for the car 's removal, yet they lack a bill of landing. XXXX XXXX XXXX asserts having a release but denies having my vehicle in their inventory.
Furthermore, Westlake Financial claims a standard 5-day hold period before resale. However, the lack of transparency and conflicting information has left me in a state of distress. Despite multiple attempts to obtain information, Westlake Financial has failed to provide clarity on the location of my vehicle.
In a conversation with XXXX XXXX, the supervising manager at Westlake Financial, he expressed frustration and provided no resolution. Attempts to contact the company have been met with extended holds and abrupt hang-ups, exacerbating the already distressing situation.
This conduct by Westlake Financial is not only unprofessional but also appears to involve misleading information and potential mistreatment of a consumer. The lack of communication, failure to track the vehicle, and dismissive behavior contribute to an unacceptable level of customer service.
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX XXXX XXXX WESTLAKE FINANCIAL HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER WESTLAKE FINANCIAL HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT.
WESTLAKE FINANCIAL SVC # XXXX XXXX Sections 9 and 20 of the FTC Act Section 9 of the FTC Act authorizes the Commission to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. 15 U.S.C. Sec. 49. Any member of the Commission may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency may administer oaths, examine witnesses, and receive evidence. Id. ; Commission Rule 2.5, 16 C.F.R. Sec. 2.5.
If a party fails to comply with a subpoena, the Commission may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the Commission files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court may enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court.
The Bureau of Competition routinely uses the subpoena provisions of Section 9 to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC Act Amendments of 1994, the Bureau of Competition also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the Bureau of Consumer Protection may use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC Act Sec. 20, 15 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and CIDs may be used to obtain existing documents or oral testimony. But a CID may also require that the recipient file written reports or answers to questions. 15 U.S.C. Sec. 57b-1 ( c ) ( 1 ). In addition, Section 20 expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ).
Under Commission Rule 2.10, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full Commission. The Commission may petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a CID enforcement action than in a subpoena enforcement case.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
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| 05/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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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.
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| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The circumstances surrounding this loan began when my car was first reported as abandoned over 3 months ago. My car was in a nation wide recall by XXXX. Unfortunately my car caught fire while I was driving it and burnt to the ground. XXXX took possession of my car XX/XX/2022. I have sent documentation of this to Westlake. The car has been paid in full and its closed. Westlake put in their system that my car was abandoned and repossessed that I was not aware of until I applied for a loan for a new car..The loan officer at Westlake told me to call customer service, and we had to get this off of there. As far as I knew the abandonment and repossession was taken off of there, I applied for a loan which Westlake approved me for a XXXX XXXX that I did not purchase. I applied for another loan for an XXXX with the same loan officer, he found me the car, Im at the dealership I called him we put in the application and the repossession pops back up and Im blocked from getting alone. The loan officer said he has no idea why that is on there. It was off and proceeded to tell me and the dealership there XXXX to be a glitch in the system because it wasnt on there and I had been approved for a loan just a few days earlier The dealership could not even submit my application because of this repossession that was put back on there! The loan officer apologized explain to the dealership that I know XXXX has to be mad at us cause this was taken off and was approved on another car and now this is back on here! He explained to dealership I dont know what the problem is. Well have to try to figure this out. Why its back on there.! I have been trying to get this off for three months now this is what the problem is no one seems to know how the Westlake computer program works, not the reps at car dealers, not one of the GM manager at customer service, not the loan people at the main Westlake office, no one knows how to remove something from their reporting and no one can provide me with a person or any contact information on who to approach to remove or correct, the info. Meanwhile, loan after loan is denied because of the mistake that Westlake admits is present. They dont know how their own software works or how to correct an error, not one representative has been able to offer any solution to how a zombie report of repo came onto the credit report and no one knows enough about their computer system to resolve it and remove it. Representatives and supervisors, and a GM have even said the credit dispute part of the business, there is no way to contact them except by email. No dispute letters or an opportunity to discuss the problem and resolve it, they are essentially unreachable except by representatives at Westlake who cant break through to get the problem addressed. Meanwhile, additional loan after loan application is denied. Reputable dealers have told me there is no way they can qualify me without the repo mistake removed..! I am a XXXXXXXX XXXX that has had to take XXXX to my XXXX appointments! I have spent thousands of dollars on XXXX and rental cars and dealing with my medical appointments and trying to get there all while Westlake can not seem to fix this!!!
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| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I bought a car through US Auto Finance and they went out of business. I paid {$300.00} cash and {$800.00} dollars down for the car, and was never able to make a payment to them as they went out of business and filed bankruptsy. The car broke down 3 days after I got it ... but I had paid for the extended warrenty and when I called " Dealer Owned Warrenty '' they stated that US Auto has not paid them for any of our warrenties in over 2 years, so there was nothing they could do. US Auto Sales had then ceased operations so I had to come out of pocket for the XXXX repair of the vehicle.
We were then notified that our loans were sent to Westgate Portfolio Services, which I know is a debt collector and I recieved letters saying that this was my " second chance '' to fix a debt since I had had non payment, I called and asked them 1- about the gap insurance that was included in my loan and they said that was no longer there and the Warrenty which they said is no longer there, I asked for my contract since they " bought our contracts '' and they stated that they could not produce them but would have them within 7 days. I set up an auto payment with them every 2 weeks -- -- - So I have been making payments to them every 2 weeks -- -- - and my car was repossed last night. I have been making payments that were due every month every 2 weeks because this has caused my credit score to PLUMMET to XXXX, and on my credit report it states ON TIME payments, but the total never went down a XXXX -- -- -- including the gap insurance that was purchased that I did not recieve and the extended warrenty that I didn't recieve and I was told that would not be adjusted off and that they could not offer those services. I called every week asking about a copy of my contract stating that the loan had been transferred to them, and they stated that they are not allowed to disclose that information. I called and asked why my amount is NOT going down due to payments, and they said it was due to a XXXX XXXX DOLLAR A DAY interest payment since this was do a collection agency -- - WHY was I sent to a Collection Agency when it was US Auto Sales and Finance that went out of business, I did nothing wrong.
Then this morning on XX/XX/2023 I woke up to my car being gone, to which I called and filed it stolen. They suggested for me to contact Westlake -- which I did, who will NOT disclose where the car was towed to, and it has my ID, My XXXX, over XXXX dollars worth of Baseball gear of my sons -- - and was told that I could get the car IF I paid the {$18000.00} in full.
I am a single mom .... with no transportation had to XXXX to work this morning .... and with my credit score I can NOT get another car and I can NOT replace my childs belongings and I don't even have a photo ID as it is in that car.
How can I make payments and them say that the XXXX XXXX Dollars a day interest was added BUT today tell me they have NO record of me making payments. I told them I could send them by bank records and they said that there is no way to prove that is what the payments are for and if I can not make the {$18000.00} payment the car and all items in it is their property for auction.
HELP.
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/22, I initiated my third CFPB complaint to Westlake Financial Services ( CFPB Complaint # XXXX ) informing them that they are still reporting inaccurate information on my credit report. I asked them to update account number XXXX so that it could reflect with accuracy, -but be sure to NOT remove the account from my credit report. WFS ended up deleting the account from my XXXX credit report due to their reporting of inaccurate information. Granted, I appreciated the company doing the right thing, however, it is not what I asked, and I was highly upset. I only requested a correction, -not a deletion. You, the CFPB, informed Westlake Financial of my complaint, and the company investigated. Westlake Financial Services responded to my CFPB complaint 14 later, and wrote me a letter which stated the following Upon review of your account, we have determined that the information we reported to the Credit Reporting Agencies ( CRAs ) was accurate and is properly reflected in your credit report. I really appreciate your prompt response, but please allow me to explain something to you. This company is reporting that I paid 46 out of 48 months on time. ( I still do not believe this to be true ). I believe that I made all 48 payments payments on-time. Nonetheless, I would like to come to a resolution once and for all regarding this matter. First, I would like to request a goodwill adjustment for the alleged late payments. Two years ago, there could have been many reasons beyond my financial inability to pay such as Westlakes computer system being down when attempting to make a payment ; a representative from customer service could've taken down the wrong bank account info when processing my payment over the phone ; the autopay system could've encountered an error that I did not know about to which I would've had to call in later to get corrected ; Or heck, maybe he creditor failed to post the payments to my account on time. There could be many reasons for this beyond my fault! Furthermore, let 's say none of that happened, is there a way I could be granted penalty relief for a reasonable cause? Two years ago there could have been some type of extenuating circumstances that led to the late payments such as being in the hospital, suffering from emotional trauma ; a death or emergency in the family ; my email being hacked and my e-statements ended up in spam ; my paper statements had been stolen from mailbox, or even that my town was subjected to a natural disaster. Again, this was two years ago and a lot has happened since the pandemic and I underwent a lot of things which I am unable to pinpoint exactly what occurred. Side note : The whole pandemic I continued paying my bills on time, yet I am sure that several thousands, or hundreds of thousands of your customers that were unable to fulfill their obligation to you, and or have way more late payments reflecting on their account, yet, I am over 50 % paid off on my loan with no missed payments. I just have a hard time believing that two late payments were due to my own accord. I may have to reach out to Westlakes Executive Department due to my belief that this creditor is acting unfairly.
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| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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American car center sold my debt to westlake without my knowledge. The car westlake has a contract for is a XXXX XXXX fusion. The car they repossessed was a XXXX XXXX XXXX. Both came from American car center but due to mechanic issue i gave American car center the XXXX back and got the XXXX. Westlake repossessed my XXXX and they couldn't validate the debt that i requested. This illegal repossession has cause me all lot of stress and XXXX. I haven't been able to sleep, i lost today wages because i wasn't able to get to work and this have caused me to be embarrassed. I had to call several because i was been hung up on when i was asking for information concerning my account. I was also denied information.below is the documentation I sent to Westlake Management Portfolio. I sent a certified letter on XXXX and a email as well the information listed below.
Westlake Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, CEASE AND DESIST Pursuant to 15 USC 1692c . ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
I am writing in response to a communication I received from your company regarding an alleged debt associated with the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally request validation of this debt and obtain the required proof of signatures.
As a consumer, I have the right to verify the legitimacy of any debt claimed against me. Accordingly, I am requesting that you provide me with the information and documentation necessary to validate the validity of the alleged debt. In accordance with the relevant consumer protection laws, including FDCPA Section 809 ( b ) and FCRA Section 611 ( a ), I am seeking the following : 1. Verification of the debt amount, accompanied by a detailed breakdown of any charges or fees associated with it.
2. Identification of the original creditor, along with their contact information.
3. Copies of any contracts, agreements, or other documents that establish the existence of the alleged debt.
4. Proof that Westlake Portfolio Customer Care has the legal authority to collect the debt.
5. Details of the last payment made on the account, including the date and nature of the payment.
Furthermore, I am specifically requesting copies of any documents that contain my signature, demonstrating my agreement to the terms and conditions associated with the alleged debt. This is crucial for verifying the accuracy and legitimacy of the debt claim.
Please be aware that my request is in accordance with FDCPA Section 809 ( a ) and FCRA Section 609 ( a ). Therefore, I expect a response within 30 days from the receipt of this letter. Failure to comply with my request may result in a violation of my rights under these consumer protection laws.
Your prompt attention to this matter is appreciated. I am looking forward to receiving the requested documentation within the stipulated timeframe, which will facilitate the resolution of this issue.
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| 06/04/2018 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Westlake Financial is a predatory lender with very dangerous business practices that violate state and federal laws of the Fair Credit Reporting Act. Westlake Financial services have very fraudulent accounting practices they are able to assess any additional penalties and fees to their client accounts and fraudulently, illegally and unlawfully increase their profits. The State and Federal authorities need to immediately investigation the business practices of the predatory lender and take appropriate action against them to prevent any further victims.
My car was totaled as a loss by my insurance company on XX/XX/XXXX. My insurance company made immediate contact with Westlake only for Westlake to intentionally delay the settlement proceedings with my insurance company so they could slow down the clock, so to speak, and fraudulently add additional fees and penalties to my account. Once my insurance company mailed Westlake Financial the payoff amount for my vehicle, they again intentionally stalled in applying this payment to my account and then reported my account to the credit bureaus as past due. They never adjusted the balance of my account with the insurance payoff amount although they had already cashed the check by the time they made their reporting to the credit bureaus. Westlake Financial cashed the check from my insurance company and updated my account in their system on XX/XX/XXXX ( although they received it on XX/XX/XXXX ). They proceeded to submit incorrect and adverse account information to all credit bureaus on XX/XX/XXXX with my account not reflecting any payments since XX/XX/XXXX and declaring me 60 days late. This caused my credit scores to drop dramatically as I have never had negative credit reporting by Westlake before this in the history of the loan that began in XXXX.
It was only since XX/XX/XXXX, with the total loss of the car and hashing out the details with insurance and gap insurance companies, that Westlake decides to turn this into some adverse reporting act. The initial loan was for about {$16000.00} in XX/XX/XXXX. With the loss payout and history of my payments towards the loan, the balance is now about {$2000.00} ( which the gap insurance company would cover ). Thanks to Westlake 's intentionally delayed communication with my insurance company, the gap insurance only received the documents for this loss on XX/XX/XXXX. The gap insurance company has begun to process the claim, yet have not finished. But Westlake, as of today - JXX/XX/XXXX, has decided to charge off my account. This is to purposely cause me harm with the adverse reporting the credit bureaus and causing my credit history to be detrimentally affected.
I am requesting and immediate review into my account and for all penalties of the highest amounts to be assessed for their fraudulent lending practices. PLEASE DO NOT EVER USE WESTLAKE FINANCIAL FOR ANY OF YOUR LENDING NEEDS. THEY PREY AGAINST CONSUMERS AND SHOULD BE PLACED OUT OF BUSINESS. DO NOT ALLOW ANY DEALERSHIPS TO COERCE YOU INTO DOING BUSINESS WITH WESTLAKE FINANCIAL. TAKE YOUR BUSINESS ELSEWHERE AND PROTECT YOUR CREDIT. DO NOT DO BUSINESS WITH WESTLAKE FINANCIAL.
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| 01/09/2024 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a copy of the email sent to Westlake Portfolio Management. It includes all of the details relevant to this complaint : I trust this message finds you well. I am writing to bring to your attention a discrepancy regarding the outstanding balance on my US Auto Sales account with your agency.
Enclosed in this email, you will find comprehensive documentation supporting my claim. The provided evidence outlines all payments made directly to US Auto Sales and Westlake Portfolio Management, including payments from XXXX XXXX XXXX and XXXX, my XXXX insurance provider.
Payments were made through various channels, such as XXXX, XXXX, and my daughters bank accounts, all contributing to a total of {$24000.00}. Remarkably, this amount far exceeds the original purchase price of the vehicle, which was {$22000.00}. As a result, I am due a refund.
To solidify my case, I have sworn an affidavit outlining the details of the situation, including the accident, insurance settlements, and the overpayment incurred within the one-year period I had ownership of this vehicle.
AFFIDAVIT I, XXXX XXXX, hereby swear under oath that the following facts are true and accurate : XXXX. In XX/XX/XXXX, I purchased and financed a vehicle with US Auto Sales.
XXXX. In XX/XX/XXXX, I was in a car accident that totaled the vehicle.
XXXX. I was not at fault in the accident.
XXXX. Prior to the accident, I have records showing that I made a total of {$5600.00} in car note payments.
XXXX. XXXX, the at-fault partys insurance company, accepted liability and sent US Auto Sales a check for {$11000.00} towards the payoff amount of the vehicle.
XXXX. XXXX XXXX XXXX paid Westlake Portfolio Management a total of {$7300.00}.
XXXX. The total payments that have been made towards the vehicle in question are {$24000.00}.
XXXX. The vehicle was purchased for {$22000.00}.
XXXX. I only had the vehicle for one year, thus an overpayment was made, and I am due a refund of approximately {$1300.00}.
XXXX. You have 10 days to process my refund and to remove this negative trade line from my credit report at all three major credit reporting agencies, or face consequences to the fullest extent of the law, which will include violations of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act.
I, the above-stated party, swear that the facts stated in this affidavit are true and correct on this the fifth day of XX/XX/XXXX.
I kindly request your prompt attention to this matter, urging you to process my refund within the next 10 days. Failure to address this issue may lead to legal consequences, including potential violations of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act.
I appreciate your immediate response and look forward to the swift resolution of this matter.
Sincerely, XXXX XXXX ( XXXX ) XXXX And then attached to the above email were PDF copies of bank statements ( proving the total amount of car note payments made ) and a copy of the insurance check XXXX paid to US AUTO SALES.
Nevertheless, despite all of the proof I sent to Westlake, they are STILL trying to collect this INVALID debt.
|
| 03/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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On the morning of Thursday XX/XX/XXXX, XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loaded with large industrial XXXX XXXX XXXX welder generator stationed temporarily while I made minor repairs on the front lawn where I rent a room from owner. Repo agent accompanied by two additional recovery agents in trucks with tow hooks blocked drive way to neighbors house across the street the other blocking middle of the street impending all traffic and two residential driveways when the majority of residents began heading to work and or school repo agent then proceeded to back in on to front lawn using pedestrian sidewalk and a portion of neighbors driveway as access onto front lawn without regard for property as one secured th truck and the third stood between truck and homes front door in attempts to keep anyone from coming out observing from the window I told them they needed to leave out weighed and out numbered 3 to 1 decided to stay inside not knowing to what extreme they were wiling to go and thought it best to speak with the lender and come to an agreement since they were wiling to in the past and at this point had gone way past self help and more like strong arm again I informed them they were breaching the peace they were trespassing and needed to leave but they pretended not to hear me as smaller tow truck dragging and hauling much bigger loaded HD duty diesel 1 ton and started to worry about the damage they could cause to my truck as he started to haul it off it just look so unsafe as my truck began to come of the side walk I heard a loud noise I started to worry they wouldnt be able to haul it off safely and with out damage having all my verbal objections ignored concerned the truck would be damaged and if I got it back would surely be stuck with the bill cause they would never accept responsibility got in the truck I quickly made my way to the drivers seat as I approached the truck they saw me and started to walk my way but I was able to make it into the cab one of the agents immediately got in his truck and boxed me in with his truck still they refused to set the truck down my son brought my phone concerned for me jumped in the passenger side against my wishes at one point approached mid bed driver-side I opened the door and again repeated they were breaching the peace and he turned and began walking aggressively towards me pretending he could not hear me right outside the window attempting to intimidate or provoke some kind of confrontation or altercation now boxed in by vehicles on three sides and repo agent on the drivers side no longer felt safe getting out of the truck felt the only option I had was drive my truck back onto the front lawn where my son and I could exit safely I started the truck which point the driver having seen immediately came after me from the other side approached with mace in hand attempting to spray me And my son I called at which point I called the police t XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Westlake financial services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
|
| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
Older American, Servicemember |
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On XXXX XXXX I purchased a used XXXX XXXX XXXX vehicle from XXXX 's XXXX XXXX pre-owned XXXX XXXX XXXX. XXXX XXXX, FL. At the time of purchase, XXXX XXXX, who wrote up the loan application with Westlake Financial XXXX XXXX XXXX, XXXX XXXX, CA. informed me that a service contract from XXXX XXXX XXXX in the amount of {$2300.00} was required in order to attain the loan. Shortly after attaining the vehicle loan I read on the service contract that it's purchase was NOT required as a condition of securing the loan. I cancelled the service contract and contacted Westlake and was told by a supervisor that {$290.00} was returned to them and XXXX was returned to XXXX 's. Westlake deducted the {$290.00} from my outstanding loan balance. After numerous calls to XXXX 's they maintain that they never received any proceeds from the cancelled contract.Westlake continues to send me in circles and refuses to put me in contact with someone to remedy this problem. I filed a complaint with the XXXX. about Westlake and they still refuse to cooperate and refund me the XXXX that they say XXXX 's received. In addition, Westlake will not tell me who decided that {$1000.00} of the {$2300.00} was pro rated off after only 3 months of a 60 month pay back period. Westlake Financial owes me XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, FL XXXX RE : XXXX Complaint Case # : XXXX Westlake Financial Services Account # XXXX Dear XXXX XXXX : Westlake Financial Services ( Westlake, we or our ) has received the above referenced complaint. We value our customers and consider each complaint an opportunity to assist and service our customers more effectively. Thank you for permitting Westlake the opportunity to respond to your concerns.
Westlake apologizes for any perceived poor customer service as outlined in your correspondence. Westlake is committed to providing excellent customer service and we regret if your customer service experience caused you any inconvenience. We are dedicated to monitoring and training employees with Westlakes policies and procedures when serving and providing cus tomer service.
A review of your account has shown that XXXX was cancelled and the amount of {$1300.00} will be refunded. The refund is given in two portions. One portion comes from Westlake in the amount of {$290.00} and the second portion comes from the Dealer in the amount of {$1300.00}. The Westlake portion has been subtracted from the balance. We are pending the Dealership to provide their portion of the refund and they have 90 days from XX/XX/XXXX to provide it.
For the XXXX XXXX, based on the cancellation and refunds section, a written request via certified mail is to be sent by the customer to : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX within 90 days. Please provide a copy of the written request so that we may further assist.
Westlake trusts that we have sufficiently addressed your concerns. If you have any other questions or concerns, please call our Customer Service Department at XXXX Business hours are Monday Friday : XXXX XXXX Saturday : XXXX XXXX Pacific Time.
Sincerely, XXXX XXXX Compliance Specialist
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| 11/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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I have made to XXXX finance this year! The only payments not attached is XX/XX/XXXX which was paid via money gram. XXXX HAS VERIFIED THAT THEY HAVE THAT PAYMENT. This company will constantly accuse you of not paying so KEEP ALL OF YOUR STATEMENTS AND RECEIPTS they gave me an extension which waived my payments for XX/XX/XXXX and XX/XX/XXXX. but then said i never had an extension and never paid. Again i kept my proof their rep XXXX who is suppose to be a supervisor the most unprofessional supervisor i ever came across her and XXXX. told me that my payments that I'm assuming are missing went towards XX/XX/XXXX payment. XX/XX/XXXX and XX/XX/XXXX were waived.
I'm passed frustrated at this point I'm feeling as though my money was stolen. Ive been accused of not making any payments. This vehicle has been nothing but a headache. There has been nothing but repairs needed for this vehicle. The dealer intentionally sold me a vehicle that was not state inspected that they knew needed repairs as the result there is a pending law suit. XXXX accused me of lying about that. I submitted documentation from the courts regarding the law suit. I have submitted documentation from the motor vehicle administration which outlined that she did not have any inspection documentation. I have done everything that i am suppose to do regarding this vehicle.Ive given them everything. Yet today XX/XX/XXXX XXXX told me that i still had to pay what i paid over I have risked losing my home, I have risk going into default with bills, so that this vehicle could be repaired and paid for. Yet I have received nothing but disrespect from your representatives. I am finally fed up and frustrated I have submitted a complaint and submitted all documentation to the Better Business Bureau, the federal Trade commission as well as the Consumer Financial Protection Bureau.
It is inexcusable that anyone paying over {$450.00} a month should have to do contact repairs on their vehicle. The average consumer who is dealing with claims of missing payments and constant vehicle repairs would just absolutely stop paying. I did the opposite I continued to not only pay the car note but tried my best to complete the repairs no matter how at risk it put me.
I will contact the attorney who is assisting myself as well as others in the lawsuit against XXXX ( the dealer in which i purchased the vehicle ) to see if she can give me information on how I can legally get out of this vehicle based off the lawsuit against XXXX and the motor vehicle administration stating that XXXX did not have proper documentation to sell the car. The only payment i owe is XX/XX/XXXX therefore that will be the only payment i will make.
XXXX can financial has not reported the vehicle to credit bureaus. Only one shows the account. I have made a total of 12 payments on this account yet my balance only reflects 2 payments. XXXX XXXX has stated that they have notreceived payments and reported late payments to the one credit agency they report to t which has dropped my score. Im sick of it. I have my bank statement showing proof yet they keep reqesting me to pay the notes over. This is a crooked company
|
| 06/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
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We need your help in getting clear title to a vehicle we purchased 6 years ago. Here is the story. We purchased our XXXX XXXX Jetta GLX Wagon XX/XX/XXXX in XXXX, XXXX. Our financing options were limited, leaving us to enter into a high interest car loan ( 29.90 % ) with Westlake Financial of XXXX, XXXX. We were able to pay off the car within months of the date of purchase, but we never received the title and are in need of disposing of the car as it is not worth repairing.
Because of the amount of time that has passed and the fact that we have physically relocated 3 times since the purchase of that vehicle, I can not locate the file that contained the original loan and purchase documents. That is why I thought I would simply go to DMV and file for a " lost title '', but they pointed out that Westlake Financial was still listed as lien -holder and that they would have to file for a lost title if that were the case. Here is the breakdown of the financial activity around this purchase : PURCHASE DATE XX/XX/XXXX ; AMOUNT {$8800.00} ; 1st DOWN PAYMENT {$2000.00} ; FINANCED - Short Term 36 mos. @ 29.90 % {$7700.00} = $ XXXX/month ; XXXX. PAYMENTS MADE : 4 @ {$330.00} = {$1300.00} FINAL LUMP SUM PAYOFF XX/XX/XXXX ; AMOUNT {$4400.00} Our purchase was financed through Westlake Financial in California at an interest rate of 29.90 %. We initially put {$2000.00} down and financed it at that outrageously high interest rate for a 36-month term with the understanding that we would return in the very near future with a 2nd final payment to avoid excessive interest payments any longer than necessary.
After attempting to make contact, they were excessively rude and immediately accused us of never satisfying the loan. When I asked if that were, indeed the case, why then had no one from their company reached out to us in all these years so that I would have had the necessary documents to prove that we did in fact satisfy our debt to them. Their tone became increasingly hostile when asked about my spouse who I informed them that my legal spouse is a woman ( as am I ), sending the person on the phone into a whipped up frenzy spouting accusatory rhetoric. Some of it was difficult to understand due to a very heavy XXXX speaking accent so I chose to terminate the phone call and research what my options are at this point as I must dispose of this vehicle.
So this is where we find ourselves with a financing company who claims they never received the pay-off and the fact that they are a frightening predatory lender who was forced to pay fines and forgive auto loans due to illegal collection methods, ( according to an article in the XXXX XXXX that lead me to reach out to you ) I am frankly afraid to reach out to them again.
It has taken us several years to repair our credit after losing our employment in XX/XX/XXXX which led to the damaged credit that gave us no option but to enter into a car loan with Westlake Financial at 29.90 % interest back XX/XX/XXXX. Now we are seriously concerned about them taking a fraudulent adverse action against us that could cause us financial damage in the process of making us pay for this loan twice.
|
| 01/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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. XXXX XXXX 2015 I took in my {$57000.00} XXXX to XXXX and traded it in for a {$22000.00} XXXX and {$13000.00} cash to my understanding unbeknown to me a contract to Westlake financial my car get impounded Westlake pick the car up inform them that they stole my car from the police impound and I had no idea who they were they made me to pay them {$23.00} to make a long story short they charge me repo fees for my first payment was due for a contract that I did n't even know I had before it was all over the charge me 19 times for repose and my car was never even repo XXXX I paid {$22000.00} an extra repo fees then my car. Police impound again in XXXX my car got impounded again Westlake picked up my car again from police impound I called to ask how much money I owe them they told me how much money do you have I said XXXX I said hold on and then told me that I told him they needed to {$3300.00} this time I told him I did n't have it then I 've ended up paying in the money I want you to auto auction to pick up my car where I always pick it up at they said it was n't there 's call Westlake I called Westlake they told me I was at the XXXX and to go pick it up when picked it up there was no registration no plate on it so I took it down and got it reregistered about a month and a half later the police showed up at my house saying they were running my plate that my vehicle was reported stolen then a left and then it came back and they said they want to run the VIN and it came back stolen supposedly I should have all the paperwork another card with money in my name for nine months and that I traded to my car in for it and everything and the police took it upon themselves after seeing all the paperwork in the impound with all my paperwork instead some car lot reported it stolen I received a notice in the mail telling me they recovered my stolen vehicle at the police department and you come get it upon trying to get it back from the police department they informed me that it was still being held for evidence then I spoke to the detective on the phone he told me that it looks like I can afford the car and he was going to give it back to the finance company so I called the finance company two days later and they had already sold it my car payments were never late they had no reason to repo my vehicle I feel that this unfairly stole my vehicle I paid {$84000.00} total on that car I have all the receipts and I want my car back so now I 'm left with no car and my money is just out the door please help there 's more to the story but it wo n't fit please let me know what you can do I never broke the contract I have all receipts they charged me for recovery fees beforebfirst payment was due plus 19times for repost fees at XXXX to XXXX each time they 'd give me run around when trying to herbaceous back pass call around office stole my belongings out of car refused to give car with out full fees plus I paid 9 months of payments at XXXX they acted like collections hung up on me gave fake names when I asked whom I spoke to and later called back to speak to that person and telling me that person do n't work there they lied Alot
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX Name of Creditor / Collection Agency : WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe you or my account was charged off This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation, being that the debt is listed against me.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error of incorrect balance, missing information, incorrect credit limit, high balance is lower than owed balance, status or any other field blank, status incorrect, incorrect high balance, late pays after an account was closed, account number inaccurate contains Xs or asterisks instead of full number, account type inaccurate, invalid furnisher, date of last activity incorrect account over 7-year period, date of last update incorrect, date reported inaccurate, collection account listed with a limit, but a collection can not have a limit, charged off listed as open or collection, a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I financed a loan with Westlake Portfolio Management under XXXX XXXX via XXXX XXXX XXXX removal in the amount of {$3500.00} on XX/XX/2023. Tired of the shady billing practices mentioned in XXXX Complaint ID XXXX ( PDF export attached ), I paid off the loan in full on XX/XX/2023 in the amount of {$3400.00}.
On my payment history I see that {$25.00} of the XX/XX/2023 payoff went to a non-sufficient fund fee dated as the SAME DAY AS the payoff transaction. The payoff transaction on XX/XX/2023 was SUCCESSFUL, so all NSF fees associated with a SUCCESSFUL transaction on XX/XX/2023 are inaccurate. Again, the loan payoff transaction in the amount of {$3400.00} on XX/XX/2023 was SUCCESSFUL, yet {$25.00} of the {$3400.00} payment amount went to an NSF fee. A successful transaction predicates that all required account information needed to successfully complete the transaction, such as a routing numbers, etc., ARE CORRECT. I am entitled to a {$25.00} refund for this fee.
Westlake Portfolio Management has not addressed this issue in my previous Complaint ID XXXX. Why was {$25.00} of my SUCCESSFUL {$3400.00} loan payoff transaction on XX/XX/2023 applied to an NSF fee? Where did this fee come from? Let me guessthis NSF fee is also from yet another conveniently untraceable attempt by Westlake Portfolio Management to debit my account? If so, please provide the date of and reason for this failed attempt made by Westlake Portfolio Management. Please be advised that Westlake Portfolio Management has never been authorized to debit my account at any time other than on a payment due date or if I as the customer initiates a payment. These sporadic, unauthorized payment attempts are another point in this complaint. My bank account was repeatedly accessed/attempted to be accessed on several occasions without my consent.
The company knows these transactions are invalid but if I hadnt advocated for myself via several hours spent on the phone with their incompetent support call center, nothing would have been done. On XX/XX/203 Westlake Portfolio Management agreed to waive the fraudulent NSF fee from XX/XX/2023. To this day, XX/XX/2023, they have not honored this written agreement. The NSF fee from XX/XX/2023 has NOT BEEN WAIVED ; it is accruing interest on my account and just today, XX/XX/2023 I received an email titled You Have A Payment Due. The current balance, with interest, is {$28.00}. I am entitled to having this balance waived in its entirety. I should not and will not pay interest on an invalid fee that shouldnt have been assessed to begin with, not to mention the fact of interest accrual shows the extreme slowness and lack of urgency with which Westlake Portfolio Management responds to customers problems THEY CAUSED.
Within previous communications provided in Complaint ID XXXX, Westlake Portfolio Management provided false contact information for the Compliance Specialist overseeing my case. I called the listed phone number XXXX ( XXXX ) XXXX several times and each time was sent to the voicemail of someone named XXXX XXXX.
Westlake Portfolio Managements Compliance Specialist as stated is XXXX XXXX.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
WESTLAKE FINANCIAL HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER WESTLAKE FINANCIAL HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. WESTLAKE FINANCIAL SVC regarding account # XXXX. Sections 9 and 20 of the FTC Act Section 9 of the FTC Act authorizes the Commission to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. 15 U.S.C. Sec. 49. Any member of the Commission may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency may administer oaths, examine witnesses, and receive evidence. Id. ; Commission Rule 2.5, 16 C.F.R. Sec. 2.5. If a party fails to comply with a subpoena, the Commission may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the Commission files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court may enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The Bureau of Competition routinely uses the subpoena provisions of Section 9 to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC Act Amendments of 1994, the Bureau of Competition also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the Bureau of Consumer Protection may use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC Act Sec. 20, 15 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and CIDs may be used to obtain existing documents or oral testimony. But a CID may also require that the recipient file written reports or answers to questions. 15 U.S.C. Sec. 57b-1 ( c ) ( 1 ). In addition, Section 20 expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under Commission Rule 2.10, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full Commission. The Commission may petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a CID enforcement action than in a subpoena enforcement case.
|
| 02/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I will start with my original issue with the company Westlake Financial Services : on XX/XX/XXXX I purchased a vehicle and took out a loan through westlake. That vehicle proceeded to fail Massachusetts state inspection 3+ times. The dealer and westlake were both contacted and informed. The dealer proceeded to make some repairs and the vehicle still failed again. And again. And again. I tried returning this vehicle but unfortunately I did not go through the proper steps. that aside. Westlake never made one effort to contact this dealer. They never once tried correcting this issue and because of this. I am paying on a {$6000.00} loan with a 24 % interest rate for a vehicle that has been sitting in my yard. Undrivable since XX/XX/XXXX the day I bought it. This vehicle qualified under the Massachusetts lemon aid law MGL chapter 90 section 7n and westlake made no efforts to see through to their end of the contract by providing me money for a vehicle that WILL pass inspection. They trapped me into a loan for a vehicle that TO THIS DAY HAS A REJECTION STICKER ON IT. So that is my first issue.
Let me go on to my second and most concerning issue I have with Westlake, the inaccurate credit reporting. Firstly. Westlake has granted me a deferral for the payment due in XXXX. They later on said that there was NEVER a deferral given to me. Months later I found the original deferral contract ( which I have ) and they still deny it. On top of all of this. They have been reporting that I am over 30 days late for the month of XXXX. And over 60 days late for the month of XXXX. I will provide pictures of my payments.
Please note this!!!!!! : I have a video/ audio recording of a phone call with Westlake of them acknowledging that I was not late! They told me in a phone call that my issue would be corrected and my info would correctly be reported to the credit agencies. BUT THEY NEVER DID!!! And they deny that anyone ever told me that! Also there was a confusing phone call made on XX/XX/XXXX where it was stated that I was caught up to date. Later on come to find out they tell me I was not up to date. And nobody ever told me that. So rest assure. If you find the phonyou call between Westlake and myself on XX/XX/XXXX you will clearly hear a Westlake employee tell me I am caught up to date.
PLEASE HELP ME. I have been dealing with COUNTLESS similar issues with Westlake and it is never ending. I am on my last straw. I am in the process of filing against them in small claims court for the full price of the vehicle. Westlake shouldve voided the contract as soon as they found out the vehicle failed inspection. But they didnt and now Im trapped in a loan for a vehicle I couldnt use since day one. And not only that but they are inaccurately reporting on my credit which is INABLING ME FROM DOING ANYTHING Westlake has tarnished my credit illegally and now my wife and I are having an extremely hard time buying a house, and getting another vehicle. Because I am trapped in this loan. Please help me ( also innacuratly reporting my payoff balance to the credit companies for the entire time Ive had this loan )
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, INTEREST AND EQUITY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX I HAD ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH WESTLAKE FINANCIAL FOR A USED VEHICLE WHERE WESTLAKE FINANCIAL OBTAINED MY CREDIT CARD ( ssn ) VIA AN APPLICATION WHERE A FINANCE CHARGE WAS CONDUCTED THAT INCLUDED THA SUM OF ALL CHARGES FOR THE VEHICLE. WESTLAKE FINANCIAL ACQUIRED A SECURITY ASSET ON MY BEHALF WHERE THEY RECIEVED CREDITS IN EXCHANGE WHEN THEY TRANSFERED THE CREDIT APPLICATION WITH THE FEDERAL RESERVE BANK UNDER THE FEDERAL RESERVE ACT sec 16. AS THE ORIGINAL CREDITOR AS DEFINED UNDER 15 usc 1691a ( e ) ( f ) I EXTENDED CREDITS TO WEST LAKE FINANCIAL VIA A CONSUMER CREDIT APPLICATION THAT BECAME A SECURITIZED ASSET ON THEIR BOOKS. THE VEHICLE WAS COMPLETELY RE-PAID IN FULL IN THE YEAR OF XXXX. WEST LAKE FINANCIAL DID NOT MAKE IT CLEAR TO ME THAT THEY HAVE BEEN EARNING UNEARNED INTEREST ON MY BEHALF AND TOOK PAYMENTS FROM ME IN FEDERAL RESERVE NOTES. WEST LAKE FINANCIAL HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE TO ME MY RIGHT TO RECISSION OF MY CREDIT APPLICATION/SECURITY WHICH IS CONSIDERED FRAUD AND THERE IS NO STATUE OF LIMITATION ON FRAUD TO RECIND MY CREDIT APPLICATION AND HOLD WEST LAKE FINANCIAL ACCOUNTABLE. WEST LAKE FINANCIAL IS OBLIGATED AND IS HELD ACCOUNTABLE UNDER 15 USC 1615 TO RETURN TO THE CONSUMER ALL UNEARNED INTEREST. NOTICE IT IS FACT UNDER THIS PROVISION IT STATES -- -- -15 U.S. Code 1615 - Prohibition on use of Rule of 78 's in connection with mortgage refinancings and other consumer loans. If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HEREBY REQUEST WESTLAKE FINANCIAL TO RETURN TO ME THE CONSUMER ALL UNEARNED INTEREST PAYMENTS IN FULL.
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| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased my vehicle from XXXX XXXX XXXX and signed the loan contract XX/XX/XXXX. The terms of the contract are 54 payments of {$380.00} due on the XXXX of every month.
On XX/XX/XXXX I received notice that XXXX XXXX XXXX will be transferring the " servicing '' of my account to Westlake Financial XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. In this notice it states " This transfer does not affect any of the terms, conditions or obligations of your retail installment contract other than who services your account. '' A few days after receiving " notice of transfer of service '', I received a " Welcome '' letter from Westlake Financial with my new account number and several payment options to choose from in order to make my monthly payment. I followed the instructions and set-up my account online, made my monthly payments online via Westlake Financials `` payment portal '' every month, on-time without issue.
Until XXXX of XXXX, I had unfortunately been affected by the XXXX pandemic. While I was grateful to not have been affected right away by the XXXX pandemic, it did unfortunately cause me to lose all source of income. At the time I had lost all income I only had {$1800.00} or 5 more monthly payments left on my car loan. I pulled up my original contract and found that luckily I did pay for " Voluntary debt-cancellation coverage '', which is line item XXXX on my signed contract at the amount of {$2200.00}.
So, I called XXXX XXXX and was transferred to 37 different customer service agents, spent 5 hours explaining my situation over and over again to every new customer service agent they transferred me to just trying to utilize my " voluntary debt cancellation coverage '', so that I would not lose my vehicle in a repossession. To which I finally received a " supervisor '' who explained to me that while they absolutely have to honor the contract, they however do not have a " process '' and there was nothing they could do for me.
After getting absolutely no where with XXXX XXXX, I reached out to a family friend/attorney who was able to look over all documentation and validated that Westlake Financial was indeed in " breach of contract ''. This attorney also sent a demand letter via e-mail and XXXX XXXX XXXX mail explaining that we demand they honor the provision set forth in our contract, forgive the remaining balance and refund any payments made over and above the remaining balance and that they had 7 days to respond or else we will be seeking all cost 's and attorney 's fees associated with litigation for Westlake Financials willful breach.
As of XX/XX/XXXX, we have not heard anything from Westlake Financial. I am simply looking for Westlake Financial to do the right thing in this matter and forgive the remaining balance and utilize my " debt cancellation coverage '' which I purchased on my original contract.
I have attached all documentation for your review and hope that we can resolve this matter without having to seek further action against this company.
Thank you for taking the time to read this.
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| 03/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hi there, I purchased a XXXX XXXX XXXX from a used care dealer here in XXXX florida, They got me financed through a company by the name of Westlake Financial with a ridiculous Interest rate but I didn't care as I planned to pay the car off within the first year. Well that didn't happen because the place that sold me the car sold me a car which they swore up and down didn't have any issues with it at all and come to find out within 2 months I had to spend {$4500.00} dollars on a new/used transmission , Drive Shaft, And a bunch of other things that were wrong with the car so the money I had put aside to pay off the car went out the window.
I kept up with payments and I fixed the car and got it to where I wouldn't have any issues with it for a long time. A few weeks after getting the car back I had it parked outside of a restaurant in downtown XXXX where a young drunk driver ran a red light and couldn't make the turn which in result ended up with my car getting totaled.
This happen on XXXX XXXX, I was XXXX but the girl had full coverage insurance and I knew I had gap coverage so I wasn't worried about the car getting paid off and then I could get something else within a little bit of time after I saved up for another down payment.
I notified my auto load company of what had happen and made sure they were aware, I was told by them I was not responsible for any payments after the date of loss which was on XX/XX/XXXX after about 3 weeks I went to meet with the girls insurance company to get my settlement check taken care of, They paid out {$5800.00} roughly towars the load amount which was for about {$7300.00} total at this point. The gap coverage paid about another {$1400.00} something dollars towards the loan which left me with almost nothing as a balance.
Well comes to find out once the gap and everything got taken care of they told me that I owed them for XXXX, XXXX, XXXX for the payments I missed, I explained to them I was not going to pay for payments on a car I no longer had and that was deemed a total loss by the insurer of the person who wrecked into my car, Not to mention they already had a {$5800.00} check from the person insurer already at this point and they were waiting for the gap which was in house and they were also getting the {$1400.00} something dollar check from that to cover the loan amount, which left me a balance of like {$300.00} which I was prepared to pay if they would close my account and remove these bogus late fee payments which were reported to my credit. they refused and have been reporting me every month again and again and ruining my credit. They got {$7100.00} roughly of a {$7500.00} loan for a car that was worth way less than that and yet they are still trying to scam me out of more money.
This is not a fare practice and they should be investigated, The next complain I will be making is going to be the Florida State Attorney General on this company.
My credit score went from a XXXX to less than a 450 all because they are trying to scam me for more money. Please I need help resolving this issue
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| 06/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My wife and I have lost all our income due to COVID-19 shutdowns, and are unable to claim unemployment because we are here on an XXXX XXXX XXXX. We have been out of work since XXXX, and it's now XXXX, so as you can imagine, it's taken its toll.
In XXXX, I called Westlake XXXX, the company who finances our car loan, to explain what had happened. They were at first, very understanding, told me not to worry and said that they would allow payments to be added on at the end of the loan term whilst the shutdowns were happening. What a relief, and exactly how you would hope a finance company would react to a global crisis.
When I called to arrange the same thing in XXXX, they told me that was no longer an option. They told me that investors had 'put the pressure on ' to start collecting some payments, so they would have to take a payment for XXXX, on the premise that next month in XXXX we could do another deferral. I did not have the money - at this point it was very stressful and a case of do we eat, or do we pay our car payment? We struggled and cut back on food in order to make the payment, just so we could ensure we kept our car and at least we could then have the next month off.
XXXX came along, and they started calling me 5 times a day ( at least ) to collect the payment. I explained that we'd arranged to defer the payment, and they told me this is no longer acceptable and every month 's payment has to be made.
Unfortunately at the end of XXXX, things got so bad that we had to lose our home. The day after we'd moved out, I received another phone call from Westlake, where I explained that we'd lost our home the day before and we really need to find an arrangement for these payments. The person on the phone made no response whatsoever to me sharing this with him, all he could say was 'right ... so can you make a payment today? ' Having just lost our home, my level of XXXX XXXX was hanging by a thread and I must say, having someone respond like that pushed me over the edge for a second.
Since then, they've been calling me multiple times a day starting at XXXX every day, sometimes from different phone numbers where they don't even tell me where they are calling from right away, which just feels so scammy. Just now, they called me again, and I told them I was making this complaint, and told them again the situation we are in, to which they again responded, 'right ... ' - no apology, no offer to come up with a solution. When I told them it was unethical to respond to someone saying they've just lost their home with a 'right ', they hung up on me.
I am just disgusted with this company. We pay a huge amount of interest to have a loan with them, because we are not XXXX, and surely we pay this much interest because we are a higher liability, and something should be in place for a situation like this? We can't get jobs because our XXXX won't allow it, so we are literally stuck right now. Companies like this need to factor in consideration for the mental health of their clients and stop hounding them when they are in horrific situations.
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| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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back in XXXX i lost my job due to my health conditions i been XXXX since XXXX i been strugeling till now at that year it was my first time i was sleeping on the streets with my XXXX wife and at that too my social security income was cut off so had no income at all ive called the lender few times they didnt care after they took the car and sold it even my clothes and my family 's property that they were in the car we lost everything we tried to get at least our clothes no one wanted to tell us where was the car at im shocked now they are sueing me for a XXXX father they will be aiming on limited income for my family now i dont know how to take care my family and to handle the bills cant afford an attorney i dont know WESTLAKE FINANCIAL SVCS Potentially Negative Account Info Account Name WESTLAKE FINANCIAL SVCS Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$11000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} Terms 72 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO Current on payments 30 30 Days Past Due R Repossession CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX Repossession as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX Additional info The original amount of this account was {$21000.00} Historical Info Original Creditor XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone Number ( XXXX ) XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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|
Web |
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I am writing to file a formal dispute and request an urgent investigation into the egregious actions committed by American Car Center and Westlake Portfolio Management, which have had a profoundly detrimental impact on my financial well-being and personal life. I firmly believe that their actions represent a flagrant violation of numerous provisions within the Consumer Financial Protection Bureau 's ( CFPB ) codes and federal laws. Specifically, I wish to highlight the following sections that apply to my dispute:1. Failure to Notify Customers and Employees ( CFPB Regulation X ) : ** American Car Center 's sudden closure on XXXX XXXX, without notifying its customers or employees is a clear violation of CFPB Regulation X, which mandates proper notification of such actions to mitigate potential harm to consumers. This lack of notification left me and other customers unaware of vital information concerning our lease/loan agreements.
2. Failure to Provide Required Disclosures ( CFPB Regulation Z ) : Both American Car Center and Westlake Portfolio Management neglected to provide the essential disclosures required when a lease/loan is transferred, in direct violation of CFPB Regulation Z. These disclosures are critical to empowering consumers to make informed financial decisions.3. Deceptive Acts ( CFPB Regulation V ) : Westlake Portfolio Management 's deceptive email practices, wherein they impersonated American Car Center in their correspondence XXXX XXXX XXXX XXXX XXXX followed by admissions of their true identity, constitute a series of deceptive acts, explicitly prohibited under CFPB Regulation V.4. Cancellation of Warranty Coverage without Remediation ( CFPB Regulation M ) : Westlake Portfolio Management 's unilateral cancellation of my limited warranty coverage, without offering an alternative or refund, directly contravenes CFPB Regulation M, which mandates transparency and fairness in consumer credit contracts. The original agreement with American Car Center included a commitment to address vehicle issues, which they upheld in the past.5. Failure to Provide Loan Documents ( CFPB Regulation B ) : American Car Center and Westlake Portfolio Management 's refusal to provide requested loan documents, offering only a payment history instead, is a blatant violation of CFPB Regulation B, which obligates creditors to provide requested credit information promptly.6. Failure to Provide Notice of Credit Reporting ( 15 USC 603 ) : Westlake Portfolio Management failed to provide me with proper notice regarding their intention to report my credit information, as required by the Fair Credit Reporting Act ( 15 USC 603 ). Their sudden reporting in XX/XX/2023 resulted in a significant and unwarranted XXXX drop in my credit score, causing severe financial hardship. .Thank you for your prompt attention to this grave matter. I eagerly await a resolution that will rectify the injustices I have faced and provide much-needed relief from the hardships caused by American Car Center and Westlake Portfolio Management XXXX
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| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violations of United States Codes related to Downpayments and Truth in Lending Laws Dear westlake financial and XXXX XXXX XXXX XXXX, I am writing to address a matter of significant concern regarding my recent experience at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I entered into an agreement for a car loan with your institution. During the process, I was subjected to high-pressure sales tactics and, most notably, encountered discrepancies in the handling of downpayment requirements as well as the provision of accurate information about the loan agreement.
It is with great disappointment that I bring to your attention the violation of pertinent United States Codes, specifically 15 USC 1605 and 15 USC 1662b, related to downpayments and full disclosure of truth in lending. It has come to my attention that your institution engaged in practices that not only contradict the principles of these regulations but also undermine the integrity of the lending process.
Under the Truth in Lending Act ( 15 USC 1605 ), financial institutions are legally obligated to provide accurate and comprehensive disclosures to consumers, ensuring they are fully aware of the terms, conditions, and costs associated with the loan agreement. The practices I experienced at [ Financial Institution 's Name ] have raised concerns about the adherence to these regulations. Specifically, I was misled and coerced into an agreement that did not reflect the advertised terms and the true nature of the loan.
Furthermore, Regulation B ( 12 CFR 1002 ) and Regulation Z ( 12 CFR 1026 ), which implement the Truth in Lending Act, require that all terms of a credit transaction, including downpayment requirements, be clearly communicated to the consumer. The high-pressure sales tactics I faced obscured the proper disclosure of downpayment obligations, which directly contradicts the spirit of these regulations.
In light of these matters, I strongly urge XXXX XXXX XXXX XXXXXXXX to rectify the situation promptly. I expect a thorough review of my loan agreement, an accurate representation of the downpayment terms, and a transparent disclosure of all costs associated with the loan. I also anticipate a written response detailing the actions taken to address the violations mentioned and my downpayment returned above to ensure that such practices do not persist within your institution.
Failure to acknowledge and address these concerns will leave me with no choice but to escalate the matter to the appropriate regulatory authorities. I believe in fair and ethical lending practices, and I trust that your institution shares the same commitment.
Please provide a written response within 30 days of receiving this notification. You can reach me at ( XXXX ) XXXX or XXXX to discuss this matter further. I appreciate your immediate attention to this issue and look forward to a timely resolution.
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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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!
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| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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***see attachments**** Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting.
It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on?
Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note If I don't hear from you within 30 days then I will assume that you can not validate my request to show proof of this debt.
I appreciate your time and attention to this matter.
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My wife has called in and spoken to several different people who have not been helpful and have hung up on her. At the end of XX/XX/XXXX the XXXX that is financed on this loan was damaged in a hail storm. On XX/XX/XXXX I made a payment against the loan and spoke to a westlake representative about this issue and that the insurance company would be contacting them about payoff. I asked that the automatic payments be shut off and was assured no additional payments would be taken. After communication from the insurance company and a letter being signed by Westlake showing their intent to send the title to the insurance company after payoff was received, a payment was taken out of my bank account on XX/XX/2018. Westlake had confirmation that the loan was being paid off by the insurance company and provided the payoff amount. The payment that was electronically taken out of the bank account held by my wife and I was taken incorrectly. My wife is trying to get this resolved with Westlake and is being told that the money will be returned within 21 business days. She has been transferred around, put on hold and then miraculously disconnected by two individuals in two different departments. I have emailed Westlake Customer email and received a response back that I would be contacted within 10 days. I have called on multiple occasions to be left on hold and never make it to a person. I finally made it to someone today and asked for a supervisor only to be put on hold over and over and told no supervisor was available. I asked for the next level up and was told they were not available. I asked for someone who had the authority and refused to wait for a call back as I have not received one yet. I was finally put on with a supervisor who talked over me until they finally hung up on me. How is it acceptable for Westlake to take the funds immediately and incorrectly and then to hold onto the funds for an additional month before returning them? Why would it take 21 business days to cut a check and mail it? Who do I need to talk to about refunding my money directly into my account the same way it was taken in a reasonable time? This is a reasonable question that no one can answer except to tell my wife that it is your process. Is it your companys process to take money fraudulently and then to hold it for over a month before returning it? You can not tell me that Westlake has the ability to take the money from my account but do not have the ability to return it the same way when a mistake has been made. You can not tell me that it takes 21 business days for Westlake to cut a check and to send it in the mail. You can not tell me that there is not one person within Westlake that has the authority to correct a mistake such as this faster than 21 business days.
It is ridiculous to even think that anyone would accept someone taking funds out of their bank account incorrectly and would not be upset that they have to wait approximately a month for the return of those funds. Would you accept this explanation?
|
| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Westlake Financial has acknowledged that I am entitled to two separate refunds yet this company continues to provide me with false information and nonpayment of these two refunds. On XX/XX/XXXX this vehicle was voluntarily repossessed by the dealership, my down payment was returned and the dealership canceled this transaction all within 30 days of the initial transaction date ( XX/XX/XXXX ). Nonetheless, Westlake still took funds out of my account in the amount of XXXX on XX/XX/XXXX. Additionally, the warranty that was refunded by a third-party warranty company ( XXXX XXXX XXXX ), which I paid directly to the dealership was not returned to me but was directly received by Westlake financial ( approx XXXX amount ). I was advised by XXXX XXXXXXXX XXXX on XX/XX/XXXX to contact Westlake Financial so that the refund can be returned to me. Again, these refunds were acknowledged to be returned to me upon waiting the " 21 day '' as per the " Westlake Financial Policy ''. I was told on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that my two refund checks were in the physical mail and would arrive during the week ending XX/XX/XXXX. I was advised by representatives to call back if the checks had not arrived by then. Upon calling back on XX/XX/XXXX I was notified by representatives that the refunds were cancelled and no checks were mailed out. While holding because the representative needed to research my account I was hung up on. Upon calling back I was told by another representative that my refunds were cancelled and nothing was mailed out. After advising the representative that the handling of my case may need to be managed up to get a resolution outside of Westlakes abilities I was finally connected to a supervisor XXXX XXXX. XXXX XXXX was not able to communicate why I was told by several representatives on several different dates that my refunds were in the mail. After a 20 minute telephone call XXXX XXXX advised me that he would research my claim further and that he would follow up with me directly by days end with a resolution. That never happened. It is now XXXX and I still have not received either refund. In fact I have been told that these refunds never were mailed. As of XX/XX/XXXX I have been told that I have to wait an additional 21 days to receive a refund because my account was closed on XX/XX/XXXX. I was not given an explanation as to why my account was " closed '' and why that was further delaying my refund. I have placed dozens of calls to Westlake Financial and spent many hours trying to get a concise explanation to the status of my refunds. I receive a different explanation every time that I call. I believe that the are major compliance issues. Their documentation is not reflective of the communications that I have had since XX/XX/XXXX and it raises significant concerns of theft, improper use of my personal identification information and discrimination. I am extremely distressed about this situation because it has created an extreme hardship during this time of inflation.
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| 08/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My car loan lending company is refusing to apply the payments properly to my account and is forcing me to pay more interest then I should be paying. For 3 years I have made many extra payments, but I am still not on target for early payment so I started to investigate.
The XX/XX/XXXX bill was {$2.00} due to extra payments. On XX/XX/XXXX, I paid {$400.00} with XXXX going towards principle on the XX/XX/XXXX bill, but the company refused to apply the XXXX towards principle. In XXXX, I made a total of {$820.00} in payments. The company still refused to allow {$400.00} to be placed towards principle and allotted XXXX towards interest. But the payment due was only {$2.00} for the month. After looking at my XXXX spread sheet, I expected to owe under {$9000.00} on my car with all my extra payments. But I discovered I still owned over {$10000.00}.
Where is my extra payments going?
In XX/XX/XXXX I paid XXXX in the course of 10 days. I was already ahead of my payments according to my records. I paid, XX/XX/XXXX {$200.00} ( XXXX to interest ) XX/XX/XXXX {$200.00} ( XXXX to interest ) and XX/XX/XXXX {$1000.00} ( XXXX towards interest ). XX/XX/XXXX I paid another {$250.00} with XXXX going towards interest.
My history shows I pay twice a month and I make extra payments and some months I made much larger payment than required. 100 % of every payment I have made in addition towards principle, has not gone towards principle. This is why after making extra payments every month, making extra payments every year, making lump sum payments, I still owe XXXX payments after already paying XXXX.
I have paid off 3 other cars and I have always paid them off months prior to the terms. Because I am a student with debt, I was force to pay 15 % interest rate on {$19000.00} loan and XXXX payment plan for 7 years. My last car was {$350.00} for 5 years on a {$25000.00} loan. So, ya, I know I am taking up the exit zone due to the BS of having student loans. So, great for me and life long suppression. Nevertheless, I discussed my payment options with the guy at XXXX XXXX XXXX. I knew I could pay this car off way before the 7 year mark. But something is very wrong with this loan. I am not ahead of my payments. I am exactly where they want me in my terms.
This does not seem to be run like a car loan, but a credit card. I believe this is why I am unable to pay off this loan, just like how I cant pay off my student loans. Its designed to stop me from successfully paying off my debt in order to maximize their profits.
This is disgusting. So, what do I do with the extra, extra payment I was going to make this month? The extra XXXX on top of my XXXX on top of the XXXX last month? If I make an extra payment, its still going to get chopped up into interest despite the fact that I already made an extra XXXX payment this month. Lets see what happens. My XXXX bill for XX/XX/XXXX was paid at XXXX. Now, I am going to apply an extra XXXX. I bet, XXXX goes towards interest and not fully allotted towards principle.
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| 12/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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ATTN : XXXX XXXX XXXX, Compliance Manager Westlake Financial Services Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail.
Pursuant to 15 USC 1692c. ( c ) ( XXXX ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.
Zero out on my open ended consumer plan balance monthly Remove all remarks or comments off my consumer report.
Zero out the balance on this account.
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature.
XXXX. Name and address of the original creditor who created the debt.
XXXX. Name on file of alleged debtor.
XXXX. Alleged account # XXXX. Address on file for alleged debtor.
XXXX. Amount of alleged debt.
XXXX. Date this alleged debt became payable.
XXXX. Date of original charge or delinquency.
XXXX. Was this debt assigned to a debt collector or purchased?
XXXX. Amount paid if debt was purchased.
XXXX. Commission for debt if collection efforts are successful.
XXXX. Documentary evidence that this agency is in fact the holder in due course.
XXXX. Certified copy of the original negative information notice required by FCRA section 623 ( XXXX ) ( A ).
Please provide the name and address of the bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.
Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation.
Your prompt attention and response is both requested and required.
|
| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I took out a loan on my vehicle in XXXX of XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay.
I then called them that day and spoke with XXXX XXXX one of the Managers there. I told him my dilemma and he said, Ms. XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}.
This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of anxiety that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect.
Sincerely, XXXX XXXX
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| 09/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have filed a complaint about Westlake Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, California XXXX XXXX XXXXSenior Compliance Manager ( XXXX XXXX XXXX ) XXXX ) in XX/XX/XXXX. This company misleads the consumer. The company lost 4 of my payments that were mailed way before the due date. Once the company located my car payments, they applied the payments to my account but they attached late fees, which I have been asking to have the fees credited back to my account. This company sent the repossession man to my door to repossess the vehicle. They continued to send threatening letters ; regardless of how many letters or calls I have made to the company requesting them to refrain from calling and sending threatening letters. I kept requesting the company to send me monthly statements to my home. I have had the vehicle for over a year and never received a statement until I contacted the Attorney General XXXX XXXX of Nevada. With the two statements I received, they are not accurate. The company is showing I have only made 11 payments towards the vehicle when I was making 2 and 3 payments per month for over a year. I have made complaints to the company questioning why my balance is not going down but remaining the same regardless of how many payments I make. I have recently become aware that no matter how much I write on my payments and in letters to apply ALL payments towards the PRINCIPAL the company still remains to apply the majority of my payment towards the INTEREST. I did not authorize this and did not realize this company is charging way more for the vehicle then what I thought I would pay per the sales amount listed on the vehicle. This company has made negative reports to all 3 credit bureaus when the company lost my 4 payments. This company will send me emails advising that it is time to go through XXXX XXXX to refinance my vehicle. I can not refinance the vehicle through any company due to the negative reports of Westlake Financial Services. On XX/XX/XXXX, I spoke to an agent XXXX employee number XXXX in regards to the late fees she states she was only authorized to remove XXXX worth of late fees added because of their mistake. She advised me the account is automatically generated for payments to go towards the interest first she advised she was not able to correct the issue that I had to contact the dealership, XXXX. XXXX advised me they do not have anything to do with the contract it is the finance company to tell them I am getting an attorney. I have seen many complaints about this company on the XXXX XXXX XXXX XXXX website XXXX XXXX, California. I see where this company and been sued twice. Once by New York and once by California. This company is still running a con and scam on the consumer. I believe this company takes advantage of seniors. I believe the interest rate is ridiculous. So many individuals have been affected by the Covid-19 financially something needs to be done. This company works without ethics and their behavior is XXXX
|
| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : 1. The following account is not mine WESTLAKE FINANCIAL SVC Account Number : XXXX Date : XX/XX/XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the Description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re- investigation.
Thank you,
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
|
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I was having a difficult time paying my car payment with Westlake Financial. I called them on XX/XX/2023 to discuss the financial problems I was having to see if they could help me. The woman was very helpful. I asked if I could extend one payment to the end of my loan, in exchange for missing my XXXX payment. She said yes, that I just have to pay {$50.00} and she could do that. I paid the {$50.00}. She said I had to fill out a form that she would text me, which I did while I was on the phone with her. I thanked her and asked if there was anything else I needed to do, and she said I was all set. I got a few calls after that about a late payment, when I said I had set up the arrangement, they said it must not be reflecting yet.
At that time I assumed my next payment due date was XX/XX/XXXX. Funds were tight. I wasn't able to make the XX/XX/XXXX payment, but was prepared to make it on XX/XX/XXXX, so that I didn't hit the 30 days passed due mark.
On Sunday, XX/XX/XXXX at XXXX, a tow truck shows up and repossesses my car. I was shocked, because since I had done the payment arrangement I wasn't even 30 days past due. I called Westlake right away, and the rep on the phone actually laughed at me, and said I can't make payments whenever I want, in regards to the {$50.00} payment. I told him it was a payment arrangement, and he laughed at me again.
I owed {$440.00} to get my car back, which I paid. I missed XXXX days of work, and had to get a cab to go pick up my car. I was upset. I called Westlake the day after I got my car back, and asked why it was repossessed when I had the payment arrangement. After speaking with a supervisor it was determined that the woman who processed my payment arrangement, didn't finalize it, which is why the car was repossessed. Within a week they had reversed the repo fees. She said they would look into forgiving a payment, due to the lost wages, time, and inconvenience of the whole situation.
They did reverse the repo fees ( which never should have been on there ). But they never properly processed the payment arrangement at all, so I ended up getting a 30 day late payment ding on my credit report. And they never made any kind of effort to compensate me for the lost wages, the cab, or anything else.
I called for the last time today, XX/XX/XXXX, to see if there was an update. And the supervisor said they don't offer anything for mistakes. And I should just make sure i make my payments.
I'm frustrated. I've never had a lending company be so awful, unforgiving, and threatening. Today they actually told me they can repo the car anytime they want, even if it's a day late. This company is predatory and doesn't own up to their mistakes. I don't think it's unreasonable to ask them to forgive XXXX payment ( {$220.00} ) in exchange for 2 days of lost wages, and the cab fee. They should reimburse me for all of that due to their error, but I know they won't.
Please help me to ensure this predatory behavior doesn't happen to others.
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX Subject : Opt-Out Request and Notice of Violations Under the Fair Credit Reporting Act Dear XXXX, XXXX XXXX and Westlake Portfolio Management , I am writing to bring to your attention several concerns and violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the United States Code XXXX
DATE OPENED XX/XX/2018 According to 15 USC 1681, section 602 ( a ), the Congress emphasizes the importance of ensuring that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, are bound by these principles, as am I, the consumer.
15 USC 6801 underscores the policy that financial institutions, including Westlake Portfolio Mgmt/, have an affirmative obligation to respect the privacy of their customers and protect the security and confidentiality of nonpublic personal information.
However, I wish to assert my rights under 15 USC 1681, section 604 ( a ) ( 2 ), which states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I have not provided written consent for the sharing of my information, and therefore, any assumed consent is hereby revoked.
Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. Westlake Portfolio Mgmt/ failed to inform me of my right to exercise this option.
In addition, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from making consumer reports containing adverse information without explicit consent. The reporting of adverse information by XXXX and XXXX without my permission constitutes a violation of this provision.
Under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person must not furnish inaccurate information to a consumer reporting agency. I demand that you cease furnishing any information related to me until you can verify its accuracy.
XXXX and XXXX are obligated by 15 USC 1681e to maintain reasonable procedures designed to avoid violations of the FCRA. The reported violations indicate a failure to uphold this obligation.
Lastly, in accordance with 12 CFR 1016.7, I am hereby exercising my right to opt-out of your reporting services. I expect prompt action to address these concerns and to cease any further unauthorized disclosures of my information.
Please provide a written response within 30 days detailing the actions taken to correct these violations and confirm my opt-out request. If you require any additional information to process this request, kindly inform me promptly.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
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XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Inaccurate Reporting by Westlake Portfolio Management Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in investigating a case of inaccurate credit reporting by Westlake Portfolio Management. This issue pertains to my vehicle loan account, which I originally financed with US Auto Finance. The company filed for XXXX XXXX bankruptcy in XX/XX/2023 and subsequently sold its assets to Westlake Portfolio Management. Westlake Portfolio is now reporting incorrect payment history, negative payments, and other inaccuracies on my account, even after falsely repossessing the vehicle in XXXX of this year. It's worth noting that I no longer own or possess this vehicle.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC section 1681i, I have the right to dispute and request an investigation into any inaccuracies on my credit report, with the expectation that this account is deleted. This letter serves as my formal complaint and request for an investigation regarding the inaccuracies associated with my Westlake Portfolio Management account.
The relevant details regarding this matter are as follows : 1. Account Information : - Creditor : Westlake Portfolio Management - Account Number : XXXX - Date of Repossession : XX/XX/2023 - Current Status : The account is incorrectly reported as having a negative history and active payments.
2. Background : In XX/XX/2023, Westlake Portfolio Management repossessed my vehicle due to financial hardship. Following the repossession, I have not made any further payments on the account, and the vehicle is no longer in my possession.
3. Inaccuracy : Despite the repossession and cessation of payments, Westlake Portfolio Management continues to report the account as having a negative history and active payments. This inaccurate reporting is damaging my credit score and financial reputation, affecting my ability to secure loans, housing, and employment.
4.Supporting Documents : -Enclosed with this letter, you will find the most recent copy of my credit report.
I request that you promptly initiate an investigation into this matter and ensure that Westlake Portfolio Management rectifies this account on my credit report in accordance with the FCRA. I also request that you keep me informed of the progress and resolution of this investigation.
Please do not hesitate to contact me at XXXX or via email at XXXX if you require any additional information or documentation to assist with your investigation.
I appreciate your attention to this matter and your commitment to upholding the fair credit reporting standards established by the FCRA. I look forward to a swift resolution of this issue and the restoration of accurate reporting on my credit profile.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
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I PUT XXXX DOWN ON XXXX XXXX XXXX AT XXXX IN XXXX XX/XX/XXXX, DUE TO THE CAR I THOUGHT I WAS GETTING SAID IT COULDNT BE SOLD IT WAS IN ACCIDENT. SO I END UP GETTING THE XXXX XXXX AT XXXX CAME WITH XXXX MILES. SIGNED CONTRACT WITH WESTLAKE FINACIAL SERVICE INTREST RATE IS 18.69. CAR NOTE XXXX FOR 72 MONTHS. REMIND U I PAY CASH FOR MY CARS COULD BOUGHT THIS. BUT I NEEDED TO BUILD MY CREDIT UP. I FEEL I WAS TAKEN ADVANTAGE OF HERE..XXXX XXXXXXXX MY CAR HAD TO GO IN THE SHOP SUNROOF NEVER OPENED DUE TO ELECTRICAL PROBLEM SHORTAGE, AND FUEL PUMP NEEDED FIX DUE TO I COULDNT SEE HOW MUCH GAS I HAD. WELL 4 MONTHS LATER PICKED THE CAR UP FROM THE SHOP. CALLED WESTLAKE ALSO TOLD THEM THIS IS UNFAIR PAYING FOR CAR I DONT HAVE IT HAS ELECTRICAL PROBLEMS. WHILE IT WAS IN THE SHOP XXXX BARELY CALLED, STAYED IN CONTACT. IT WAS ALSO SERVICED AT XXXX XXXX IN XXXX AT THE TIME. I CALLED WESTLAKE ASKED THEM CAN THE CHANGE MY PAY DATE THEY SAID NO BY LAW I CHANGED IT TWICE, CANT BE DONE SO I BEEN CHARGED LATE FEES. BUT IM NOT BEHIND ON MY CAR NOTES. ANYWAYS XX/XX/XXXX, 4 MONTHS LATER WENT TO XXXX TOOK XXXX PICK UP MY CAR I SEEN THE SERVICE LIGHT WAS ON STILL, I WAS TOLD BY MANAGER DRIVE AROUND IT WILL GO OFF. GOT ON FREEWAYS AND THE CAR JUST SHUTTED OFF COMPLETELY, THANK GOD I WAS IN THE SLOW LANE, I COULD CAUSED ACCIDENT. I HAD SOMEONE BRING ME BATTERY. FOR 30 DAYS SERVICE LIGHT ENGINE STAYED ON, THAN FUEL LIGHT FOR THE GAS TO SEE SHUT OFF ONCE AGAIN. CALLED WARRANTY PLACE THAT JUST SPENT XXXX TO GET IT FIX ON MY WARRANTY, HE SAID TAKE IT BACK TO THE SAME PLACE THAT FIXED IT. SO I DID XXXX. XX/XX/XXXX MY CAR HAS STILL BEEN IN THE SHOP. CALLED NEW MANAGER XXXX 3 WEEKS AGO ABOUT THE ISSUE AT XXXX SAID HE WILL GET BACK TO ME AND HASNT YET. I CALLED TODAY ASKED ABOUT MY CAR THE MANAGER XXXX SAID ITS HAVEING ELECTRICAL PROBLEM WITH FUEL PUMP ILL CALL YOU FRIDAY. I EXPLAINED ITS LEMON CAR. THIS IS INSANE NIGHTMARE. HE WAS LIKE ILL HAVE SALES DEPARTMENT CALL YOU. I CALLED WESTLAKE AGAIN MY FINACIAL SERVICE AT XXXX EXPLAIN ONCE AGAIN THEY HAVE PLENTY OF NOTES CAN WE THEY HELP ME HERE ON THIS LEMON CAR. NO THEY CANT NOT WORRIED ONLY FOR THE MONEY WITH THERE OVER CHARGE INTREST RATE AND LATE FEES CHARGES, AND CANT CHANGE MY PAY DATE. I TALK TO SUPERVISORS THERES ALL THAT NO HELP. THIS IS NIGHTMARE MY DREAM CAR IS A DISATER. TALKED TO XXXX TODAY OVER THE PHONE LOOKING FOR MANAGER XXXX HE HASNT GOTTEN BACK WITH ME. HE TOLD ME TO COME IN TOMORROW AND SEE ABOUT ANOTHER CAR. ARE U SERIOUS HERE NEVER AGAIN. I GOT CHARGED TO MUCH AND WESTLAKE FINACIAL IM TOTALLY GOOD. THIS IS UNFAIR AND SAFETY HAZARD CAR ITS CALLED LEMON. WENT TO DMV SUPERVISOR IN XXXX SHE STATED XXXX NEEDED TO DO Z02 ON THE CAR SEND IT TO XXXX. THERES THIRD PARTY ALSO ON THE TITLE. SHE SEEN MY AUTO CONTRACT SAID U GOT OVERLY CHARGED BOTH WAYS HERE MY DEAR. SMH THIS IS UNFAIR THIS CAR HAS PROBLEMS I ONLY DRIVEN IT XXXX MILES SINCE I HAD IT. IT HAS XXXX MILES NOW U BE THE JUDGE THANKS
|
| 12/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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I have had payment issues with this bank for over 18 months. For some odd reason, they fail to transfer ACH bank payments, charge me fees ( late, repo ), and fail to apply payments appropriately. For the past 18 months, when I schedule a payment using Bank ACH ( acct, routing # ) Westlake 's fails to take the payment, instead charging me NSF fees. I can check my bank account and the funds would be available. However, they wont accept ACH for months, but accept a Debit Card payment, which they charge a {$5.00} fee for convenience They tell me my account is not usable, but then after a few months, they can finally ACH, then once more, they can't accept payment through ACH. For awhile I thought it was a glitch in their smartphone APP, but after troubleshooting, it's not the app. Its not my bank. The funds are in the account for each payment I schedule. My bank doesn't even acknowledge that Westlake 's attempts to withdraw the ACH payment.
It is not a convenience, when they charge fees, " nickel and dime ''. double charge repossession fees. I have been repossessed two times in the past 12 months, due to them not taking payments. I can prove I had the funds available, they will not accept the bank statements that prove this.
Instead, I'm under on a debt for a vehicle that appears I'll never be able to pay off, because the bank keeps screwing me on their fees and charges. I pay the repo fees to return my vehicle, and then I check my Westlake 's account to see more repossession fees added. I am tired of it. I have talked to their representatives 23 times to discuss why they won't accept my one and only bank account for payments to them. Not like XXXX is not an acceptable bank.
The problem is, they can NSF fees for the ACH payment, but using the same Debit card to the account, they CAN accept with a {$5.00} fee. I am filing a complaint with the XX/XX/XXXX and CFPB this week, because I fear Westlake 's will repossess my vehicle again because they keep saying they can not accept my payment.
Today I discovered yet again, they did not take the payment for my vehicle. I am {$1300.00} due for fees, that I do not trust are accurate. If they had accepted the scheduled payments when they were set, then I wouldn't have their NSF, repo, and various fees added to my debt.
I do not have an attorney ( yet ), and I have found that essentially I want them to fix their problems, and correct my account.
I scheduled another payment for today which was supposed to be paid on the XXXX of this month. I found they again, didn't take the payment and added a NSF fee. The payment I scheduled for today, I ended up having to re-add my bank account info.
What I want, is for them to FIX their processing fees, remove the added repo fees, and stop doing this. It is not convenient for to use Debit, when a ACH payment is free. It's like this bank is intentionally trying to steal this vehicle by failing to take payments when using their APP.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Hello, I am a natural person residing in XXXX XXXX, Virginia. A natural consumer as defined by the FDCPA ( 15 USC 1692a ( 3 ) ). A natural person obligated, or allegedly obligated, to pay a debt owed or due, or asserted to be owed or due a creditor other than westlake financial arises from a transaction in which the money, property, insurance, or services that are the subject of the transaction were incurred primarily for personal, family, or household purposes and I incurred the obligation, or alleged obligation, owed or due, or asserted to be owed or due a creditor other than westlake financial.
Westlake financial uses instrumentals of interstate commerce or mail in which the principal purpose is the collection of any debts, and or regular collection or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another.
In connection with the collection of an alleged debt, an Adverse Action was taken against me. Westlake Financial, via its agents and or employees, " XXXX XXXX XXXX '' on XX/XX/2022 before XXXX, unlawfully detained consumers good ( AUTOMOBILE ).
Westlake financial falsely represented that I owed an alleged car loan debt. However, the alleged debt was actually for a line of credit and not a loan and as such, Westlake Financial falsely represented the character, amount, or legal statue of the consumer 's debt. ( 15 USC 1692e ( 2 ) ( a ). ) Westlake financial failed to provide proper disclosure and notices, ( Notice of the right to RESCIND and CLOSING DISCLOSURES ). Upon doing some extensive research, I discovered that when I entered the dealership, XXXX XXXX, to apply and obtain an extension of " CREDIT '' by and through a " CREDIT APPLICATION '' for the consumer goods purchase, the dealership subsequently submitted a " LOAN APPLICATION '' in my name ( Identity Theft ) resulting in XXXX XXXX receiving an " ADVANCE '' ( LOAN ) in my name establishing an asset account from XXXX XXXX in return for the assignment of the retail contract ( Credit Sale ) to Westlake Financial for deposit into a " LOAN POOL '' in return having me pay back pure profit and covering deception.
Even though I know the debt is an alleged debt and not mine, I have tried to resolve it by XXXX XXXX, Tender of full payment in the amount of {$17000.00} through IRS form 1099 NEC. The payment was sent via post office Registered mail- XXXX on XX/XX/2022 and was delivered at the payment center on XX/XX/2022. Exhibits attached. Westlake financial has not updated the Account and instead sent me a letter after XX/XX/2022 after receiving my payment to cure, of going ahead to sell the consumer good ( AUTOMOBILE ).
Westlake financial and XXXX XXXX criminal behavior and conduct, deceptive and misleading documentation and practices, changed the identity of my private consumer transaction into a public commercial transaction for XXXX XXXX and Westlake Financial profit and gain.
|
| 04/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Governor XXXX has declared a state of disaster in all 254 counties in the State of Texas in response to the imminent threat of the COVID-19 pandemic. This order is issued pursuant to Section 22.0035 ( b ) of the Texas Government Code.
2. This Order supplements and does not replace or amend the earlier Emergency Orders Regarding the COVID-19 State of Disaster.
3. In any action to collect consumer debt as defined by Texas Finance Code Section 392.001 ( 2 ) : a. A writ of garnishment under Rule 658 of the Texas Rules of Civil Procedure may issue, but service of the writ of garnishment may not occur until after XX/XX/2020 ; b. Receivers appointed under Chapter 31 of the Texas Civil Practice & Remedies Code may remain active but must not freeze any accounts at financial institutions as defined by Texas Finance Code Section 59.001 ( 5 ) while this Order remains in effect ; c. For any accounts that are currently garnished, the parties are strongly encouraged to reach an agreement on the garnishment, and courts are encouraged to aid and facilitate a quick adjudication ; d. A request for default judgment may be filed, but no hearings shall be set and the time to respond or file an answer will be tolled until XX/XX/2020; and e. No court shall dismiss a case for want of prosecution while this Order remains in effect.
4. A case covered by Paragraph 3 may nevertheless proceed if, but only if, the court determines that the facts and grounds show that the actions of the judgment defendant pose an imminent threat of fraudulently concealing or absconding with funds.
5. This Order is effective immediately and expires XX/XX/2020except for paragraph 3 ( a ), which expires on XX/XX/2020unless extended by the Chief Justice of the Supreme Court.
Westlake Financial services are ignoring the recent declaration of emergency for the the state of Texas. I have been laid off from my XXXX XXXX at XXXX XXXX XXXX and now I am now unable to sustain my obligations at this time to pay dues. They fail to hear my cry for help and have not only threaten me and garnishing my car but also submitted a remark on my credit report. I am a mother of XXXX and unfortunately forced to be the Sole proprietor for my XXXX children due to fathers death I can barley put food on the table during these times. With the unemployment service being occupied due to many others loosing their jobs I am not able to obtain financial help at this time. I have yet to receive my tax return and the irs is closed for live phone call request. Now Im overly stressed because of this situation on top of what I have been facing these past days. I have not been able to sleep and focus on helping my children in complying with their education needs due to them transitioning into vertical classroom due to the Covid-19. This is truly heart breaking and it literally leaves me in an unhealthy state of mind. All I ask is for a little help but it hopeless
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Westlake Financial Services is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Westlake Financial Services the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Westlake Financial Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I had my auto loan financed through XXXX XXXX XXXX XXXX. Apparently, they filed bancruptcy and didnt bother to tell me anything about who I would be financing through or anything at all. I had my payment automatically taken out of my bank account of arount {$250.00} every two weeks. I'm not sure about exactly when they stopped taking my payment out because without fail, the money would come out of my account. I had to reason or time to check every month because I worked 2 jobs and no time to look or notice anything in regards to my banking account. I tried to reach out online when I got something in my email from Westlake Financial stating that my statement is ready. Nothing was on the statement or in that email and I replied to stop sending me spam, I dont know who Westlake is and I certainly do not owe them money. Still no response. Then a tow truck backs into my apartment complex and takes the car, again no call or acknowledgement and no knock on the door, nothing ; I almost called the police and something told me to check to see if my payments were coming out. At that time is when i knew nothing had been taken out. I've done some research about this place to try and find a phone number to reach out to and the one listed states it is not a working number, I must say, I see now why I never as much as got a call, letter, no emails other than the one I got, NOTHING. I paid my car payment on time everytime before this situation occured and not one payment has been or was late. It was my one chance to improve my credit score.
On XX/XX/2015, Westlake was sued for " lying to their customers and improperly disclosing information about the borrowers '' That was a hand written statement by XXXX XXXX, CFPD director. ( P ; ease see attached ) With that being said and including my situation, I feel like a certified letter would have been a more sufficient way to conduct business as oppose to email. So, the email I thought was spam because they never did reach out to me and now have taken my car is also deciept. Because of this, I have no transportion and my credit is ruined from getting another one. I am also leary of reaching out with a deceptive reputation that they have.
Apparently that lawsuit has taught them nothing and they are still very deceptive. I think they need to bring my car back and conduct a fair and reasonable business by contacting people either by certified mail or signature or something then come and take the car without enough decency to go to the door and let someone know what in the XXXX is going on. This is absolutely ludacruis and unethical.
Please, please advise if I may be wrong here and just upset on how everything turned out after reaching out to them and still nothing to taking my car. If nothing can be done, please explain to me how this is in any way ethical and professional. Thank you for your time in regards to this matter.
|
| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I lease a car from American Car Center and American Financial on XXXX XXXX. Upon leasing this vehicle I gave a down-payment of {$750.00} and two more payments totaling {$500.00}. I gave them {$94.00} for registration and plates. I never received the registration nor the plates. My temporary plates have expired. I have been pulled over by the police. I called american Car Center and they told me it didn't come in yet. Two weeks went by and I reached out again. There was no answer nor anyone there. I found out through the media that they abruptly went out of business. In the lease agreement on page 4 number 39 it states any changes in this lease must be in writing and sign by the Assignee. I never received anything in writing nor a phone call. American Car center abandon the contract as well as the property. About 35 days went buy and a collection agency ( Westlake Portfolio ) calls me stating they took over the contract. Why I'm in collections I am not behind in the agreement. American Car Center states they don't share information with non affiliates. I am not affiliated of Westlake Portfolio or have I ever went in contract with them. American Car Center has violated my right as consumer. In accordance with the Fair credit act 15 USC 1681 states I have a right to privacy. Now this collection agency is calling me for payments. In fear of losing my car i started making payments to this company who i never had a contract with. I sent them a few payments. I ask them to show me a contract. They dont have one they have the contract that American Car Center gave them. They have not yet to this day sent me any paper work on how they are the owner of the contract. When there is no longer contract because American Car Center breach the contract. I also called ask Westlake Portfolio for a debt validation letter and i never receive one. This is a breach of contract for Westlake just as well. In my agreement with American Car Center they agreed to give me one year warranty. Westlake claim they have rights. If you have rights your responsible for whats in the contract. Westlake Portiflio who took over the contract states they will discontinue the warranty. This is also a breach of contract. I ask Westlake Portiflio who responsible for registration and plates. They promise when they contacted me they will find out. I still havent heard anything. But constantly calling me about payments. I can not register the vehicle or get plates. I have tried numerous times. I have been stop by the police because of this. My temporary plates have expired. I have been pulled over by the police. I constantly have to carry my receipt of the agreement on the registration and plates. Everyday i drive i live in fear of going to jail. Its very traumatizing. This also a breach of contract. Under Tila law I have been violated by American Car Center, American Financial and Westlake Portiflio.
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I obtained a car loan XX/XX/XXXX with XXXX XXXX who is located in XXXX, FL, through the car dealership, XXXX XXXX XXXX in XXXX, FL. The financed amount of the loan was {$18000.00}, with a XXXX XXXX annual percentage rate. Total of {$32000.00}.
In XXXX of XXXX, I received a call regarding my payment from a Westlake Portfolio Management. Not knowing who they were, I refused to make a payment, until a letter was sent notifying me that they were now the loan holder. From XX/XX/XXXX until XX/XX/XXXX, all payments were made to Westlake. The copy of the payment history provided to me by Westlake Portfolio does not show how my payments were allocated from XX/XX/XXXX through XX/XX/XXXX. In fact, the principal balance actually went up during the month of XX/XX/XXXX even though I made payments totaling {$1700.00} just in that one month.
I received a notice XX/XX/XXXX that the amount due on my car loan was {$4200.00} due by the XXXX of the month. When I called Westlake Portfolio to question the amount, I was advised that was what was still due on the loan even though my final payment ( XX/XX/XXXX ) of {$420.00} was to be made XX/XX/XXXX.
When I asked Westlake Portfolio for a copy of my payment history, they can only provide details on the payments made to them. The payment history from XX/XX/XXXX - XX/XX/XXXX, only shows the amounts I paid, not how the payments were applied to the loan. There are several inaccuracies with both the payments and the " principal '' amount that Westlake Portfolio assumed.
I have verbally and in writing requested that Westlake Portfolio Management provide me a breakdown of the payments made, to no avail. They have been sent a certified, return receipt request letter of dispute and based on the date it was signed for ( XX/XX/XXXX ) they have until XX/XX/XXXX to respond back to my requests for proof of the debt and amount due. I also sent a second certified, return receipt request letter of dispute on XX/XX/XXXX, which is scheduled to deliver on XX/XX/XXXX, Westlake Portfolio called me today XX/XX/XXXX to advise me that my account is now 40 days past due. I advised the customer service agent that they were NOT to call me regarding this debt, that they " Westlake Portfolio Management '' had until XX/XX/XXXX to provided me with the requested information, per the letter that was delivered and received on XX/XX/XXXX.
I am asking for a breakdown of all payments made to this loan account from XX/XX/XXXX through XX/XX/XXXX. At this point, I feel I do not owe anymore on this account. It has been paid in full. I would also like to know why my car loan which was in good standing at the time it was transferred to Westlake Portfolio, is with a " collection agency '' now.
I have filed complaints with XXXX of Florida & California and The Florida Office of Financial Regulations. I have also consulted with XXXX Legal Aid regarding this issue.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX of 2020, two car loan companies ( XXXX XXXX XXXX and Westlake financial Services ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other things. That agreement, which I consider them bound to, is attached. I have diligently paid weekly and they have refused to uphold their end of the agreement.
At this time the account for Westlake Financial Services has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. Westlake Financial has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement.
At this time, XXXX & XXXX has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
|
| 07/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Consumer Financial Bureau XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX XXXX Title Department XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX XXXX XXXX XXXX ) VIN # : XXXX To whom this may concern : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Due to not wanting a car note, I decided to borrow money from my 401k to make a cash purchase. Myself and my cousin went to the bank to cash the check and to make the transaction. When I arrived back to XXXX XXXX XXXX, I was asked by a female sales associate to follow her to another location XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX to finalize the sale. The female also stated, during our conversation that she was part owner of both locations. Myself and my cousin waited in the lobby for about 10 min before being called to the office finalize the sale.
I paid XXXX cash and had a balance of XXXX which was set in installments of two payments. I made one payment but when I returned to make another payment, both locations were permanetly closed with no forwarding information. I then filed a complaint with the DMV who investigated my concern. The DMV shared with me that both auto shops were in current litigation and provided me with the phone number to XXXX XXXX. I contacted XXXX XXXX, XXXX XXXX who then asked that I complete an affidavit and have it completed and notorized before my title and plates are released to me.
After returning the affidavit as instructed, I waited several weeks and did not hear back from XXXX XXXX. When I called, she stated that the attorney asked that I send a short email detailing some specific parts of the sale. XXXX XXXX also asked about a section of the affidavit that I accidently overlooked about whether or not I had knowledge or participated in any fraudulent business practice or nefarious activity involving both XXXX and XXXX XXXX.
Over the last 5-6 months, I have provided XXXX XXXX XXXX with all documents pertaining to my purchase. The documents included : Bill of Sale, Bank Statements etc ... After waiting several weeks and no follow-up from XXXX XXXX, I gave them a call. I was then informed by XXXX XXXX that I would have to provide a summary of the entire transaction. I completed the summary and forwarded it as requested. On Thursday, XX/XX/XXXX, I contacted XXXX XXXX who stated that she have no update for me. XXXX XXXX has refused release the title/plates to my vehicle or provide me with updates. As of today, I am no longer able to get another temporary tag for my car. XXXX XXXX XXXX failure to release my title and plates as caused hardship because I am unable to drive the vehicle to doctor appointments and to work.
. I pray that this matter will be resolved swiftly without further delay Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I believe that the company 's actions have been highly improper and have caused me significant distress. I urge you to investigate and resolve this matter promptly.
To provide some context, my mother, who cosigned on the vehicle, recently filed for bankruptcy. As per the legal proceedings, an automatic stay was implemented, which is intended to protect debtors from creditor harassment and contact during the bankruptcy process. Despite this legal protection, I was shocked to receive communication from a collection agency while my mother 's bankruptcy case was ongoing. This blatant violation of the automatic stay has deeply troubled me.
In an effort to address this issue and understand the situation better, I diligently attempted to contact Westlake Financial to seek clarification on the matter. However, my repeated attempts to reach your office were in vain. The lack of response or assistance from your representatives during this crucial time added to my frustration and confusion.
To exacerbate the situation further, I recently discovered that Westlake Financial claims that I should have continued making payments on the vehicle during the bankruptcy process. However, I was never informed of this requirement and was under the impression that payments were temporarily suspended until the bankruptcy was discharged. It is highly unfair and unreasonable to hold me responsible for payments that were not explicitly communicated during this challenging time.
Given the lack of communication, contradictory information, and the threat of vehicle repossession, I find myself deeply distressed and concerned about the actions of Westlake Financial. It is my belief that such behavior is unacceptable and undermines the trust I placed in your company as a valued customer.
I urgently request that you rectify this matter and provide a swift resolution. I expect Westlake Financial to honor its legal and ethical obligations, respect the bankruptcy process, and ensure proper communication and transparency moving forward. I also request that any impending repossession proceedings be immediately halted while this issue is being addressed.
I kindly ask for your prompt attention to this matter. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint through legal channels and explore other avenues for seeking redress.
I look forward to your swift response and a prompt resolution to this distressing situation.
I spoke with XXXX Bankruptcy Specialist Westlake Financial XXXX XXXX She was rude and showed no empathy and also assumed the conversation I had with agent without any notes on XX/XX/2023, XX/XX/XXXX I spoke with 2 customer service agents that said they could not discuss anything.
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection agency that demanded payment twice as of today
|
| 01/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Westlakefinancial.com & wilshireconsumer.com gives people an opportunity to get help by providing credits when other does not. That is a big thank you to both companies.
But when is about the business practices, seems like they are taking advantage of the people by misleading them with the amounts of money they own ( users ).
In their webpage it is possible to check your balance but if you do not click in the right place, someone might get screwed up. In the same webpage they have three different balances, its impossible to know which one is the right one.
Yesterday I was decided to payoff my account and when checking my pay off balance it says XXXX number. So I went to the process of paying using their website/online tool, but when I typed the full amount it did not allowed me to process it. Their paying online system only allowed me to pay an slightly smaller amount than the " pay off balance says '', it was about XXXX dollars difference. So I paid the full amount possible which was the full balance in my account balance, and when checking my balance is says XXXX.
An hour later, I went to the chat to ask for help to check my balance, because in one of the screens says that I owned XXXX cents. ( today, a day later is XXXX cents ). the chat person told me that I should not worry, because I do not own more and that my paid off letter will be sent in matter of days, and that the cents I own will be waived.
Unfortunately I lost the chat text file, which I saved for this exact purpose, to expose their bad business practices.
Today out of curiosity, again when checking my balance, it says XXXX, when checking in another screen is XXXX cents and when checking IN ANOTHER screen is XXXX dollars.
What would have happened if I do not check by phone again? Months later I will be screwed up because the XXXX dollars will be exponentially increased.
I think its a cheating practice what they are doing. This is not a regular mistake, they are miss leading people, confusing them and I am pretty sure that their good will is behind other dirty utter motives. Bad business practices hurts peoples pockets at the end, is like taking advantage of the needs of others.
Using computer systems is not a complicated business for a multimillionaire company, they can not tell that its impossible to add the paid off balance when someone is trying to full fil their financial obligations with them using their online systems.
On top, there ARE NOT banners or messages telling you that if you want to pay your final balance YOU MUST CALL THEM BY PHONE and provide them again all your information in order to pay off your credit, that is another bad business practice from XXXX XXXX XXXX and XXXX XXXX XXXX.
I think that this should be a XXXX XXXX XXXX against this two companies for using those kind of practices.
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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+ Payment - MyAccount ACH XX/XX/XXXX {$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and I sitting here telling that to the customer service Payment - MyAccount ACH XX/XX/XXXX.
{$300.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$360.00} {$13000.00} + Payment - MyAccount ACH XX/XX/XXXX {$200.00} {$13000.00} and this is what I have paid they have the wrong amount on when it's supposed to be the remaining balance of {$69.00} plus an {$18.00} late charge fee which all of it comes out to {$87.00} due on XXXX and they have on hear another {$360.00} due on XXXX and I gave them {$300.00} on XXXX already and just owe {$87.00} they have not fixed the problem yet and I still see a balance on their of {$360.00} due XXXX when it supposed to be {$87.00} when I have already given them {$300.00} and I told the head manger name XXXX XXXX XXXX and even gave her just now the information with last month payment of {$360.00} which I paid on XXXX and when I click on the interest it said {$360.00} no late charge fee on it nothing and still, they are saying that I owe {$360.00} due on XXXX when I have already paid them money of {$300.00} and I just owe only {$69.00} plus {$18.00} and I just got off the phone with them and my XXXX XXXX went up because of them and their telling me like when I get an extension I have to pay for that but nobody never said anything to me when I have gotten an extension all that I was told like when I make my last finale payment in XXXX I will have to pay off that amount that I owe and since when have anyone has to pay for that extension. and not to mention that Westlake Financial is the worst business on XXXX XXXX XXXX and they tell me when I pay half of my car note it charges for late fee and interest but when I add money to my account it's going to let me know what the correct amount that I owe plus the late charges because I have done it before to where I put {$200.00} and it left me with the remaining balance of {$160.00} pass due and they still won't correct the issue.
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| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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In XX/XX/XXXX I bought a car at a Local Car Dealer called XXXX XXXX XXXX XXXX in the city of XXXX XXXX, they informed me that I could choose to have vehicle financing options, in fact they helped me with the financing of the chosen car They informed me that the financial company that had tested my credit was Westlake Financial ; at that time I only had a passport since I had just arrived in the United States as an XXXX XXXX the financial institution Westlake Financial assigns me an annual interest rate of 23.79 %, at which they informed me that at that time they would not report my credit history to the Credit bureau of the United States, but once it had my social security number, it would send the corresponding information in order to update my information in the system and also report my usage history to the country 's credit bureaus.
On XX/XX/XXXX, I contacted the financial institution Westlake Financial to report that I already had my Social Security Number in order to update my information, they told me that I should send the supports of my information to the emails : XXXX, XXXX, XXXX, in order for them to update my information in the system and that it would take about 30 days ; In effect, on the day I sent the support of the documents on XX/XX/XXXX, I sent said information via e-mail and made sure that they had received the information, so I contacted the financial company again, to which they informed me that the documents were already in possession. of them and that they would carry out said modification.
At the beginning of XX/XX/XXXX, I contacted the financial company again and asked why, if I had sent my information a month ago, the credit information was not updated, after many calls they finally informed me that this was not going to be possible since he did not have the right to have a financial report in the different credit platforms because he was not a XXXX or an American citizen.
For a year now I have been paying my credit installments worth {$390.00} on time every XXXX of each month, without having the right to obtain a better interest rate because Westlake Financial simply does not want to publish my credit report apparently for not be a US citizen or resident ; Something I don't understand is if there is such discrimination for being an XXXX because if they grant credits with high rates to the same XXXX
A few days ago I received a letter from a financial entity in which they offered me the purchase of my credit, they were the ones who informed me that in the United States there was an office in which they could help me, that is why I ask for your help since As I inform you, Westlake Financial refuses to update my credit information, forcing me to pay their high interest rates and without having the possibility of accessing a decent vehicle credit.
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| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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WESTLAKE FINANCIAL IS LYING TO THE CFPB AND STATING THEY ARE NOT FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT. WESTLAKE IS ILLEGALLY FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT THAT IS NOT MINE IS FALSE AND FRAUDULANT. I DO NOT OWE WESTLAKE ANY MONEY AND NEVER HAVE. WESTLAKE IS VIOLATING INTERSTAE AND FEDERAL LAW AND HAS BEEN REPORTEED TO THE DC TEXAS AND CALIFORIA ATTORNEY GNERAL. REMOVE THIS FALSE FRUADULANT ILLEGAL ITEM ON MY CREDIT REPORT IMMEDITALY!! WESTLAKE IS LYING TO FEDERAL AND STATE LAW ENFORCEMENT THAT THEY CAN NOT ASSIST WITH THIS ILLEGAL FRAUDULANT ITEM ON MY CREDIT REPORT! REMOVE IT IMMEDIATELY!!
PLEASE SEE THIS FALSE ITEM ON MY XXXX AND XXXX XXXX REPORTS FALSE FRAUDULANT AND ILLEGAL!!
4.15 WESTLAKE SERVICE INC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.
Account Number XXXX XXXXXXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments.
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit {$24000.00} Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT XXXX XXXX | XXXX XXXX, XXXX Page 50 of 69 Terms Frequency MONTHLY Term XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$660.00} Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 26 Delinquency First Reported XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification AUTOMOTIVE Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 05/12/2016 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.
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| 11/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Per my XXXX credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and XXXX as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to XXXX that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency Westlake Service reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my XXXX report. I have made several attempts in the past few months to contact Westlake Services and the lawyer they hired to hand my case on their behalf and have not had any resolution from them. The lawyer that they had hired to handle my file was XXXX XXXX XXXX XXXX XXXX located in XXXX, FL. That lawyer is no longer in business so I have no one to contact on their end. Everytime I call Westlake directly I try and speak with them but they say that they can not talk to me and someone from their special handling department will contact never does. Do not understand how I can communicate with them to have this issue resolved if there is no point of contact on their end. One last thing I would like to add is that XXXX and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. XXXX is the only bureau with the problem.
|
| 01/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I had a rough start, I was in the middle of a financial hard ship and chose to pay rent over my car. But I was working hard and catching up on my payments as fast as I could. Ive attached a copy of my payment history ( westlake financial sent me ). Ive been treated very wrongly and accused of not paying my bills on time yes they were half right but unfortunately I was going through a hardship in transition with Getting a new job, a better job to able to pay my car note.
Every customer service representative has told me my first payment was suppose to be on XXXX. XXXX ( I called to switch the date to the XXXX Of each month because it was easier w/payday ) If you look at the account, my first payment was in XXXX. I dont understand how no one can see that this payment is reflecting on my payment history. YES! I was behind two months but in the month of XXXX I paid {$1000.00} to get my account in good standing ( no late charges ) Considered that I was still 30 days behind ( XXXX payment still reflecting on my account ) I received an extension to move the payment back. With that extension {$220.00} was still owed which was paid with a little extra ( {$350.00} ) my account was in the green. Therere 3+ payments that were made but not accounted, I have dates and confirmation numbers from the bank and from 3rd party payment options.
this was greatest accomplishment the next step was to go back to school but with that vehicle at the time I was XXXX just barely getting to work. Youll see in my payment history I was late at first but I managed to work hard and come up with the money to still find out the vehicle was repossessed and that XXXX payment was still reflecting on my account showing I was 30 days behind when I wasnt. I will be going to the media with this information to tell them and explain to them how your customer service reps dont know how to talk to anybody or wont even take two minutes to look at the account and realize that someone messed up. Take accountability for this little messed up and fix it I was stressed overworked always worrying if my car was going to get repo Road when in reality I was in great standing and the only payment that was due was XX/XX/XXXX for {$400.00} ( look at the payment history attached ) the vehicle was repossessed on XX/XX/XXXX. I tried to call and tell them I get paid the XXXX and it would be for the full amount of {$400.00} it was to late the vehicle was gone and set to be sold ( XXXX ) the vehicle wasnt sold until XX/XX/XXXX. My vehicle should never have been repossessed I provided all documentation proving the money was sent and I was caught up on payments Until XX/XX/XXXX payment. there was no late fees attached to any monthly payment dues the remaining balance wouldve been taken care of on XX/XX/XXXX when I got paid.
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| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I bought a car that came with defects, needing to change the engine less than 30 days after purchase. Although it was a car with problems, I tried to solve it with the insurance company offering to repair the car. After that, the car was a horrible problem with seemingly endless repair expenses. Some time after the purchase, unfortunately I had a financial problem and contacted WestLake financial, to evaluate the possibility of returning the vehicle. During the phone call, the attendant said not to worry, offering me another 30 days to pay the monthly installment, adding a small interest rate. Two days later, another attendant called me, saying that I would no longer have the time granted to me, that there was some problem in the system, denying me more time. The attendant then told me that the ideal thing to do would be to voluntarily return the car. According to the information given to me, I thought that the car would be sold and that the pending amount would be deducted from the sale price, since I had paid more than 60 % of the vehicle 's value. From that moment my life became XXXX. WestLake sold the car for the price they decided to sell, they kept my car for months and as a result they claim that the monthly payments for the time the car was with them need to be paid adding an even bigger debt. Today, XX/XX/XXXX, trying to find a way out, I called Westlake Financial for assistance around XXXX. The attendant called XXXX was extremely rude, shouting into the phone, saying that I owe money, while I just asked him to send me the email containing the information I needed to assess what could be done. They claim that they sent an email that I never received and a letter that would take a few days to arrive at my residence with this information. As a customer, I believe that receiving detailed information regarding the date of sale of the car, amounts charged, fees, etc. is my right. I requested a resend of the email which I never received and felt extremely humiliated. I tried to speak with a supervisor named XXXX, who was extremely rude, replicating the attendant 's behavior. I requested to be transferred to the customer service sector so that I could obtain the information I wanted and report the humiliation I had suffered, they left me on hold and ended the call. I believe it is my right to receive information and try to force someone to pay something by shouting on the phone and humiliating them in this way, it is a crime. This is extremely serious. There was difficulty in providing information from the beginning and a clear impediment to sending information transparently was not carried out, trying to humiliate me and pressure me to make a payment of approximately {$4000.00} dollars without me having the possibility to evaluate the necessary information.
|
| 11/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.
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| 12/02/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back.
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house.
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply.
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do.
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders.
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX
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| 10/10/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.
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| 06/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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At this point I am convinced that I am dealing with a fraudulent situation and that I was lied to in what was described as a loan transfer which was, in fact, a refinance of an auto loan that had been reduced to principal.
I was approached by a Westlake representative offering me a " thank you offer for maintaining a pristine payment history ''. The offer was an incentive of {$2000.00} to transfer my account to another division for management and that while I would only incur interest on the {$2000.00} only. I asked upside down and backwards that this transfer would not incur any additional interest over the course of 3 days. Every single time I was told that it would be a transfer only, that it would not have any effect on my credit report and that I would only continue paying on principal ; my payment of $ XXXX/mo went up.
Yesterday I find out that I had actually re-financed my loan and agreed to paying an additional {$11000.00} in interest. There is no sane person on EARTH that would agree to paying double interest on a loan?? Unless it was buried in the contract ... .and lied to horrifically and repeatedly.
Westlake destroyed my entire credit history ; reporting that I owe two loans to them for a total amount of {$33000.00}. Within their process they have deleted my entire credit history, showing my old account as closed, which should be paid off if this was actually a re-finance correct? They can't seem to see the problem on their end ( further instance of fraud )?
My last conversation with Westlake I requested a transcript of my conversations with them in association to this transaction and was told it would only be released for legal reasons. I explained that it was for legal purposes and was told they would not release it. I got them to admit on tape that they were denying me access to my account information and contact history.
Apparently this 'transfer ' company has a different name yet appears to be operating under the Westlake banner. That said, this certainly points to fraud- why would I have two accounts unless ... ..I do... and that would explain a lot. One is real and one is fraud. doubling the interest charged through lies, deception and manipulation. Informatively, in my reporting them to the XXXX I found multiple complaints of the exact same circumstance of being ticked into re-financing a loan.
I have reached out 3 times to the CEO via email since last month with no response. He did direct his Compliance Officer to respond to my initial email and I was treated like a child, talked down to and incredulousness that I had any concerns whatsoever. He basically said ; it's your fault and live with it.
I appreciate you taking the time to review this information and I hope you an find out what is going on- thank you, XXXX
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My car was totaled XX/XX/XXXX, the finance company who was Westlake was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that Westlake put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with Westlake, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. Westlake is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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Hey I financed my car on XXXX XXXX XXXX I remember getting it I had to pay XXXX total for the down-payment! After that they also read to me the contract really fast and told them to slow down so that I could fully understand what im hearing so after that before and after I signed the contract I asked the salesperson numerous of times was there anything wrong with it because the engine light was on! So they did the inspection and they said everything passed! So, the salesperson said don't worry about it!! It's just the censors that are messing up so I just went and got the codes clear and thought nothing of it until I realized a few weeks later which fell on the week of the the XXXX XXXX XXXX XXXX I attempted to contact them which was during my 30day warranty that next week while my 30 day warranty was still active I asked them was there anything wrong with the car they said no everything is fine so I said okay and let it go They told me it was 1 previous owner that had it but not the prior damage they caused on the vehicle! So I found that out on XXXX myself that they had 4 previous owners that could of possibly caused damage to the car before me getting it also on XXXX it said they resold it so many times due to the damage that was already done to the car. I also tried contacting them within my 30days of my warranty I remember it was up XX/XX/XXXX which fell on a Saturday which was technically my last day of my warranty being active. I'm thinking they could of worked something out since my warranty fell on a Saturday and it wasn't fair becuase they were closed on weekends so when I called up that Monday of the XXXXXXXX XXXX XXXX XXXX they said there was nothing they could do and to contact other warranty companies to see if they could help I was so furious I didn't know what to do... So I just kept contacting them like why wasn't u guys honest now I am stuck with a car thats not even up depar and my total amount I owe is XXXX and I had it for almost a year now and saying I only payed XXXX which is really approximately XXXX!! I just hope us as the consumers get justice!! I had to even make investments on this car already and havnt had it a whole year yet my exhaust leak cost {$600.00} and that's including the brakes I had to get fixed with this car and that was after XXXX so I'm really hoping we can get justice!! The sales price on my car is {$10000.00} for my XXXX ... .Im basically paying XXXX extra over the salesprice which is XXXX I owe Also I spoke with westlake portfolios as well and even mentioned to them about it to see what they could do but... nothing is what they told me they have poor customer service skills and and really big on just collecting the payments and thats it so nothing has been helpful
|
| 10/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
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|
Web |
Older American |
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I opened a XXXX account sometime in XX/XX/XXXX. About a year after ( maybe less ), I could no longer use this account for purchases. I however, conscientiously made my monthly payments ever since and keeping current until the present time. My monthly payments averaged around {$50.00} a month.
On XX/XX/XXXX I received a letter from Westlake Portfolio Management saying that they are servicing my XXXX account which was issued by XXXX XXXX XXXX and requiring me to make my first payment of {$120.00} due on XX/XX/XXXX.
This was the first communication I received from them or from XXXX or from XXXX XXXX XXXX regarding this account or any changes to this account.
Starting XX/XX/XXXX, I received several potential scam phone calls from the XXXX XXXX area which I suspect would be from them as I have very few contacts from that area. Whenever I tried to pickup the phone, there was nothing at the other end. This went on until XX/XX/XXXX.
On XX/XX/XXXX, I emailed them : On XX/XX/XXXX, I received a letter from you indicating that you are servicing my XXXX account. However, per FDCPA rules, you failed to provide the following information in writing : The amount of the debt That I can dispute the debt The name and address of the original creditor. You are demanding a first payment from me with a due date of XX/XX/XXXX without any details or disclosure of the debt. Please reply to this message immediately. Thank you.
XX/XX/XXXX I emailed Westlake Portfolio Management : I have tried to reach you by email and written letter but have not gotten a response yet. I need to know details about my account : - Total debt amount - Terms of payment - Monthly payments XX/XX/XXXX I received this email : Hello, We can not discuss any details of your account via email. Please contact our Customer Service Department at ( XXXX ) XXXX for assistance with this request. Business hours are Monday Friday : XXXX XXXX and Saturday : XXXX XXXX XXXX XXXX.
Thank you, Westlake XXXX XXXX XX/XX/XXXX I replied : Please send me a written communication. Thank you.
To date, XX/XX/XXXX, I have not received any further communication from them.
On XX/XX/XXXX for fear of them ruining my credit and despite not knowing any details or how much I will be forced to pay them, I created an online payment account and made a one-time payment of {$80.00}. It is here that I finally saw details of my account ; Balance : {$1600.00}, maturity date XX/XX/XXXX, monthly payment {$120.00} at 0.00 % annual percentage rate. This looks like I will be paying {$7400.00} after 5 years!
Failure to disclosure the terms and details of my account and simply demanding payment was a blatant disregard of my right as a consumer, and probably a usury law in this country.
|
| 09/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.
|
| 08/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding the inaccurate reporting of my credit information. I financed a vehicle through Westlake in XXXX, and the issue I am disputing pertains to the reporting of my final payment to them as being 30 days late.
The circumstances surrounding this reporting discrepancy are crucial and pertain to the trade-in of the vehicle financed through Westlake. Prior to the scheduled final payment, I traded the vehicle in at XXXX XXXX XXXX, Texas. The dealership was responsible for the payoff to Westlake. Regrettably, the payment made by XXXX of XXXX was processed after the due date set for my final payment.
I want to emphasize that this delay in payment was not within my control. I fulfilled my part by trading the vehicle in before the final payment was due. The timing of the payment made by the dealership is entirely their responsibility, and it is unjust and erroneous for Westlake to report this as a late payment on my behalf.
In accordance with the Fair Credit Reporting Act ( FCRA ), Westlake Financial is in violation of several crucial sections that govern accurate credit reporting. The specific sections of the FCRA pertinent to this matter include : 1. **15 U.S. Code 1681s-2** Responsibilities of furnishers of information to consumer reporting agencies : - Section 623 of the FCRA stipulates the duties of furnishers of information, requiring them to provide accurate and timely data to credit reporting agencies. In this case, Westlake Financial failed to report the accurate status of the account following the trade-in and subsequent payoff.
2. **15 U.S. Code 1681e** Compliance procedures : - Section 611 of the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information provided by furnishers. Westlake 's failure to accurately report the circumstances surrounding the trade-in and payoff directly violates this section.
I demand immediate action by Westlake Financial to update the credit reporting on my account to accurately reflect the circumstances surrounding the trade-in and payoff. The reporting of a late payment inaccurately damages my credit history and financial standing, which I will not accept.
I request that the credit report accurately indicates the trade-in and payoff without any suggestion of a late payment.
I anticipate a prompt and appropriate resolution to this matter. I also request written confirmation of the rectification and updating of my credit report.
Thank you for your attention to this issue and for ensuring the proper enforcement of the FCRA regulations.
Sincerely, XXXX XXXX
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Westlake Financial debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the Westlake rep ) that the loans would have to be paid because Westlake would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. Westlake had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their Classic Car policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by Westlake via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached.
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through Westlake and was declined due to a repo or chargeoff. After being on hold for 45 minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted Westlake many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows two chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of Westlake for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on 2 chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail.
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
|
| 02/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
To whom it may concern : I took out a car title loan around XX/XX/XXXX from XX/XX/XXXX and unfortunately fell behind on my payments. My vehicle was repossessed, however, I quickly paid to have my car reinstated back to me in the amount of {$1000.00}, which was wired to XXXX XXXX XXXX on XX/XX/XXXX using code # XXXX ( reference # XXXX ).
I called XXXX several days later to pay off my balance and close the account. I was told by the agent that the repossession fee had cleared, and that my pay-off balance was {$3500.00}, which I paid on XX/XX/XXXX ( reference # XXXX ). I asked several times to make sure that this was all I owed and each time the answer was Yes. I was also told that my title would be released back to me, which led me to believe there was no longer a lien on my vehicle, or any balance owed to XXXX.
Come to the present, I was going through my paperwork and realized I never received my title. I went online to the XXXX website only to discover a {$210.00} balance on the account. I immediately called on XX/XX/XXXX and explained to the agent the issue, and was told a supervisor would review my case, and that I needed to call back the next day.
I called back on XX/XX/XXXX and calmly explained to the agent the issue again, and was rudely interrupted telling me that she needed to explain what the supervisor noted. I asked to speak with the supervisor, XXXX, who reviewed my account and was told she was not there, even though I was told to call back that day to speak with her. I then asked to speak with another supervisor or manager and was placed on hold for over 12 minutes, which is excessive.
Frustrated, I called back and talked to XXXX, who was actually polite and quickly got me to a supervisor. Low and behold the supervisor was XXXX XXXX, whom I was told was not there in a previous call. XXXX said that there were 2 charges of {$80.00} and {$75.00} assessed to my account that were part of the repossession charge, and any amount from XX/XX/XXXX to now is all interest fees. I told her I was never disclosed this information and that I dispute any balance on my account. I said I was promised my title and I felt I was deceived. I was then told that she would waive the interest fees, but unless I pay them {$150.00} they will not release my title.
I am now frightened that they will try and repossess my vehicle over a balance that was never disclosed, or charged to my account incorrectly. I believe that XXXX in violation of several consumer protection acts, withheld information and behaved in an unfair and deceptive manner.
The resolution I am seeking is for XXXX to waive the entire balance owed and release the title immediately through certified mail.
Thank you,
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
In XXXX around the XXXX, American car center, American Financial, in Tennessee shut down. And fired all of it's workers, these employees were entering false information into their system to include payment dates this result led to customers accounts being charged late fees at extremely high interest rates, not only that but had customers running around tryig to pay their car loans and not leader 's to third parties to include convent stores in neighbor 's a list was given out where you could go but when you got to these stores and used the account number given it did not exist or they couldn't find in example XXXX, XXXX and many others end result all accounts were charged. as being late and intentionally reported as such. Fast forward without any notice accounts had been sold without the knowledge of any account holders to Westlake portfolio management. They couldn't set up their web site when you went there it wouldn't work. They received my money but lied and said that they didn't have payments that was sent to California via post office then they switched to say that the paperwork was a lease. But it was a contact and at the end of the contract with XXXX payment 's I would own the vehicle. Not lease it but own it when they acquired mine there was only XXXX remaing on it then I would own the car I had paid and not missed a single payment for 4 plus years at every 10 days I would pay, now deception. They stated that they haven't received a payment from me in 52 days and repossessed my car, but the money orders were sent to them by the united states ' post office now they are asking for XXXX to get the car back after I have already put XXXX plus had to repair the car out of pocket because they would not repair it although the contract said that they would, at the time of the purchase I was told to go to the gas station because of low fuel the car broke down, then it had to be towed, then a major engine problem that cost me XXXX to fix because American car center American Financial would not instead they wanted me to take out an additional loan with them to fix their car that I was buying not leasing, buying and leasing at the same time if that makes since, reckless conduct and deceptive practices as of XXXX XXXX XXXX Westlake portfolio management had my car pulled from my driveway for none payment they switched it from being a loan to a lease and stated that it ran out in the XXXX of XX/XX/XXXX from XX/XX/XXXX, but they have been getting my payment and they told me that they got it on the XXXX of XXXX but I sent it on the XXXX then they stated that it was posted on the XXXX, yet they got it on the XXXX according to the post office. Making it late mind you
|
| 01/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
This is the letter I have sent out after multiple visits and verbal talks in person about the situation.
Hello, My name is XXXX XXXX To whom this may concern My credit/consumer report has been approved from your company for a auto loan for NOWCOM/XXXX XXXX auto center. I have been to XXXX XXXX auto center multiple times my down payment is {$500.00} towards westlake auto loan on the contract that is given to dealer XXXX XXXX auto center but I have been rejected multiple times from XXXX XXXX salesman to put more money down. I stated what money I have down and I also stated previously that there is no law saying I am required to pay a down payment also I stated.
XXXX XXXX XXXX - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that specified down payment, by the creditor who advertises his services.
15 USC 1605 ( A ) determinations finance charge defined- except as otherwise provided in this section, The amount of finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.
12 CFR part 1002 - equal credit opportunity act regulation B protects application from discrimination in any aspect of a credit transaction. Includes consumer credit, open-end credit, credit applications, standards of creditworthiness, denial credit, revocation, alteration, or termination of credit.
12 CFR 1002.7 Rules concerning extension of credit : A individual accounts a creditor shall not refuse to grant an individual account to a creditworthy applicant on basis of sex, material status, or any other prohibited basis.
Consumer credit protection act, there are numbers of provisions that were enacted under the CCPA including the truth in lending act, Federal wage, Garnishment law, Fair credit reporting act, Equal credit opportunity act and fair debt collection practices act ECOA - The Equal Credit Opportunity Act : Is a federal civil law that forbids lenders to discriminate against loan applicants for any reason other than their ability to repay.
After this was stated weeks later I received additional information from XXXX on my approval that I was able to put down {$500.00} down but the next day talk to XXXX rejected me to put down more. I need accurate information about my credit and my approval on the contract my personal information is confidential and my time is very valuable my job and other responsibilities depend on transportation. Thank you and hope to here from you soon Sincerely, XXXX XXXX
|
| 07/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX auto sales. XXXX XXXX purchased the loan from XXXX XXXX. On XX/XX/XXXX the vehicle started running hot and I contacted the dealer and they refused to take the vehicle back, which is what I was instructed to do by XXXX. I contacted XXXX and let them know that the dealer refused to take the car back and exchange it. I told them that the repair bill was {$1000.00} and was there anything that they could do to help. XXXX agreed to set the account up on a payment arrangement. The 1st initial payment was due on XX/XX/XXXX. The arrangement was set for me to pay half on the 17th and the remainder on XX/XX/XXXX. I made a payment in the amount if {$200.00} of XX/XX/XXXX. On XX/XX/XXXX XXXX auto sales used a XXXX tracker to track my vehicle. My vehicle was repossessed at XXXX pm at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX auto sales and stated that I had not made any payment on the loan. XXXX did not honor the payment arrangement that they offer to me since XXXX sold me a lemon. I never received any correspondence from XXXX financial that the car payment was in collections or up for repossession. I never received a phone call, email, or text message stating that the loan was delinquent. XXXX sold the loan back to XXXX auto sales without my knowledge. I went to XXXX auto sales on XX/XX/XXXX around XXXX am and spoke with a XXXX XXXX who is the finance manager. XXXX XXXX provided documentation from XXXX XXXX. The document is a notice of payment default and repurchase demand. He also stated that XXXX financial lied to me about setting up the payment arrangement and stated that I never made any payment. XXXX auto sales stated that the repossession was sent certified mail, however I have yet to receive any correspondence via certified mail. I have checked with my mail carrier and the USPS. XXXX XXXX is demanding that XXXX auto repurchase the vehicle in the amount of {$10000.00} if repurchased by XX/XX/XXXX and {$11000.00} if repurchased after XX/XX/XXXX. XXXX auto is now requiring me to pay the full cash price of the loan of {$10000.00} in order for me to get the vehicle back from them. XXXX XXXX is in violation of the Truth and lending act. XXXX needs to repurchase my vehicle back from XXXX and continue with the terms that we agreed upon for this vehicle. Any damage is done to the vehicle the cost of repair needs to be shared between both XXXX and XXXX auto sales. XXXX XXXX will need to also pay for any all charges assessed due to the violation of federal lending laws. XXXX XXXX needs to cover all towing fees assessed during repossession and to my return the vehicle to the address on my contract with them.
|
| 07/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately XXXX on XXXX XXXX , 2017 they had XXXX XXXX Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At XXXX I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on XXXX XXXX , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until XXXX XXXX , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the XXXX payment which was due on XXXX XXXX . It covered all but {$22.00} of the XXXX payment, on XXXX XXXX they started calling me in regards to the {$22.00} being past due. Seriously.
Then today XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad
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| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act 15 USC 1681 Section 602 8 states I have the right to privacy ; 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish anyone information on your account information without my written instructions. So this complaint is about my invasion of privacy, NOT the validity of the account. These accounts listed below are in current violation with my right to privacy pertaining to Fair Credit Reporting Act regulations labeled above : WESTLAKE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact, before anything is reported to the public the credit bureau is to notify me as consumer on how and what they want to report and I am to consent or not consent. AGAIN, This IS NOT a claim questioning the validity of the account, however, it clearly exhibits how the creditor at hand is improperly utilizing my information and any other entity ( such as the CFPB ) allowing them to do so is to be an accomplice to a blatant crime.
Any transmission to follow this complaint should DIRECTLY address the two malicious violations detailed above, for your failure to not following federal protocol which is a very serious infraction and will be treated as such. I'm sure officials at CFPB agree that if the law exists it must be followed.
If you can show me where you have been communicating with me in writing 30 days BEFORE reporting to the public and/or have any evidence I consented to what you have been reporting on this account I will relinquish you of this complaint. Nevertheless, If you do not have proof of following the federal guidelines I expect the account detailed above to be deleted within 10 business days and all illegal monies extorted over the duration to be reimbursed to me in full in the next 30 days.
Please be aware I am familiar with the legal definition of " racketeering '' which I will provide for you below : 18 USC Section 1961a Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, EXTORTION, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; 18 USC Section 1961 ( 3 ) ( 4 ) ( 3 ) person includes any individual or entity capable of holding a legal or beneficial interest in property ; ( 4 ) enterprise includes any individual, PARTNERSHIP, corporation, association, or other legal entity, and any union or group of individuals associated in fact although not a legal entity ; Which will be my future claim if this illegal activity fails to come to an IMMEDIATE HALT!
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| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I am XXXX XXXX Military. I have given my wife complete power of attorney over all of my affairs. My auto Loan was sold to a collection agency by the name of Westlake Portfolio Management. My wife made every attempt to do business with this company by submitting the power of attorney and speaking to the companies lawyer via email. They continued to deny her access to manage the account so we went to our local JAG office and had them investigate this matter. After the investigation was complete they found that this company has violated several North Carolina laws to include the Truth in Lending Act Discrepancy, False Rebate, and Unlawful " loan packaging. All that was requested at the time was that a voluntary surrender of the vehicle take place and the vehicle to reflect positively on my credit report. In a verbal conversation with my JAG attorney, Westlake 's attorney XXXX XXXX agreed to the surrender and was in the process of handling this matter. A short time later a repossession truck came like a thief in the night and took the car without any attempt to retain the keys that were in our possession. When our attorney brought this to Mr. XXXX 's attention he sincerely apologized and said he would handle it. My attorney has not heard from him since. We have sent out demand letters to this company and they have gone unanswered. This company has since reported this as a repossession to the credit burros and damaged my credit significantly. I have tried to dispute this with the credit burros and Westlake has now been reporting a deeper delinquency on a monthly basis causing my credit to plummet. I have enough to deal with in the XXXX XXXX then to deal with this level of harassment. My JAG attorney has advised that I seek an off base attorney to sue Westlake for all it has done and continues to do. Westlake will respond to this site with lies as they have done in the past. After investigating this company I have found that they are in over there head with lawsuits for harassments to customers. After my wife has made over fifty attempts to deal with this company with not only my power of attorney but with my written and verbal consent as well, she has asked Westlake to stop harassing her if they refuse to deal with her. They have made well over fifty harassing calls to her calling her XXXX, XXXX, and threatening her with jail, garnishment of her social security checks, and ruining her life and she's not even on the loan! I want this company to be held accountable for there actions. They are bullies and unprofessional!! Enough is Enough!! What a way to treat a service member and there family. Shame on you Westlake Portfolio Management!
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| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with Westlake Financial Services associated to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity.
TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with Westlake Financial Services, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution.
2. On XX/XX/2019 I contacted the Westlake Financial Services customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution.
3. Settle a dispute before XXXX, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the Westlake Financial Services customer service line ( XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of Westlake Financial Services at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email.
5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call.
On my part I have tried to solve directly with Westakle Financial Services but I have not received the necessary attention and I also tried to solve it with XXXX but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine.
I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.
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| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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AMERICAN CAR CENTER DBA RAC DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence.
OnXX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. American Financial, did not reach out until XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX.
I originally got this leased vehicle with AMERICAN CAR CENTER XXXX XXXX XXXXAMERICAN FINANCIAL on XXXX On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle.
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty.
When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice.
On XX/XX/XXXX I successfully had AMERICAN CAR CENTER XXXX XXXX XXXX/AMERICAN FINANCIAL account removed from my credit report.
On XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY WESTLAKE PORTFOLIO MANAGEMENT FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX.
I HAVE NOT SIGNED A CONTRACT WITH WESTLAKE PORTFOLIO MANAGEMENT.
At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy.
I had this account DELETED FROM MY CREDIT REPORT ON XXXX
Westlake portfolio management, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!!
I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
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| 12/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX.
Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account.
On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting.
On XXXX I received investigation results from XXXX indicating that the " account remains ''.
On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''.
On XXXX I received investigation results from XXXX indicating that " new information '' was reported.
Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting.
XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute.
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information.
XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.
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| 04/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was contacted on XX/XX/XXXX in regard to my account not being up to date. I was told my XXXX payment did not go through, but I had proof and explained it did go through. Westlake Financial told me to send my statement for XXXX to XXXX XXXX XXXX. No one has responded back to me yet. I called back on XX/XX/XXXX and spoke to XXXX. She had told me the months in question are XXXX, XXXX and XXXX of XXXX. She had told me those payments were retracted by me or my bank. I did not retract those payments and I immediately called my bank who told me they did not request any money to be retracted. I then called Westlake Financial back and was told to speak to a supervisor but every time I called there was never a supervisor available. On XX/XX/XXXX XXXX called me saying I was 100 days late and I was being sent to collections. I had explained to him nothing was put back into my bank account and I was told by Westlake that it just happened on XX/XX/XXXX. Again, I called on XX/XX/XXXX and spoke to XXXX who then told me in order to get this resolved to send my statement to a supervisor. After speaking to XXXX and XXXX it is clear this has been happening since XX/XX/XXXX. Every payment I have been making has been going to the supposed late or no payments. I was never contacted or received any notice by mail or email regarding my account being behind. XXXX transferred me to her supervisor XXXX XXXX who told me to resend my bank statements to prove the money was pulled from my account. On XX/XX/XXXX I spoke to XXXX who told me she was contacting the accounting dept. I did not receive any response back until XX/XX/XXXX from XXXX which she stated they had found my XX/XX/XXXX payment and they were looking for my XXXX and XX/XX/XXXX payments. I am very frustrated and upset at this point because I have proof it was pulled from my account and nothing was put back in. I have been threatened that Westlake will reposes my vehicle. I have been threatened to be sent to collections. My references are being harassed as well. I keep calling to get updates about my status and Westlake keeps giving me the same answer which is I need keep sending them proof of my statements. I called XX/XX/XXXX to speak to XXXX because she has not contacted me since XX/XX/XXXX. I finally spoke to XXXX another supervisor and she spoke to XXXX who had told her the reason for the delay was because my bank statements looked altered. I was never aware of this new information until today when I called Westlake to make a payment. There was no way that I could have altered my bank statement when I printed it directly from my bank. This needs to be resolved.
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased My vehicle XX/XX/XXXX from US auto sales in XXXX, North Carolina. From the start, I noticed something was wrong after making my last {$500.00} dollar down payment from XX/XX/XXXX til XXXX XXXX XXXXXXXX when I purchased a car, the manager XXXX told me I only will be making three down payments of {$500.00} and then {$240.00} per month, thats included with the warranty that I purchased with the car. They have one price on the paper. After signing everything in XXXX. They switched up the paperwork and information on my account from {$8000.00} to {$25000.00} on this used XXXX XXXX XXXX with XXXX miles on it. They basically selling me a brand-new car. When I called and asked about it, they sent me new paperwork with the new information on it from that time to today. I have been disputing and complaining about the complaints with everybody that I cant answer they recently just XXXX all 39 car lots down. So as a customer we have a number or are we can do is make payments on these lemons but no one to speak to about our accounts thats suspicious. We should always be able to talk to somebody even the bank that our loan is through. So at some point the time they sit down and sold our accounts to this new place called XXXX XXXX XXXX XXXX. Again, I called them to make a payment. No one ever answered the phone, but its the XXXX by your account. After putting in my account info I dont know be changed anything or white or if they even fit white were supposed to be getting fit before they shut the car dealership down and thats our car loans which were fraudulently written. Every time I called this new place they cant find my account so I can make my car payment so they have advice on my car where they turn it off until a payment is made. I have not been able to drive my car in three weeks because they cant find my account, they seem very suspicious as well if somebody needs to investigate because there is no reason customers cant reach a physical person over the phone to talk to us about our accounts or something. They actually are a debit collector, not even a bank so they hang up on us if they even answer the phone. In addition, none of my paperwork has an account number on it I just have a policy number. On top of all this, the warranty that I have on my car is not even valid with the original company For some reason but its not expired until XXXX. So why cant I use my warranty to get my car fixed this new place XXXX XXXX XXXX wont even pick up the phone for me to talk to them about that my engine is blown somehow, and they wont answer the phones for to give me the number to the new warranty place.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
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Subject : Concerns Regarding My Recent Experience with American Car Center and Westlake Portfolio Dear Sir/Madam, I hope this message finds you well. Approximately two years ago, I made the decision to purchase a vehicle from American Car Center, and throughout this period, I have diligently upheld my financial commitments, ensuring that all payments were made promptly and taking great care of the vehicle in question.
However, in XX/XX/2023, I was taken aback by the sudden and unanticipated news that American Car Center had filed for bankruptcy. In my earnest efforts to seek clarification and resolve this matter, I attempted to establish contact with the company, only to discover that their phone lines and email channels had become non-operational, presumably due to the closure of their business.
It was only through a chance encounter on XXXX that I learned of the acquisition of outstanding debts by Westlake Portfolio. Determined to address this issue responsibly, I promptly reached out to Westlake Portfolio to ascertain the status of my account. Regrettably, my initial correspondence yielded no results, as they were unable to locate my information in their records.
Subsequently, I began receiving calls from Westlake Portfolio asserting that I owed them the original purchase price, an amount exceeding {$25000.00}. In light of this unexpected demand, I took it upon myself to request a copy of my contractual agreement as a means of verifying the validity of this claim. I believe it is only fair and reasonable to request such documentation, particularly considering that I never entered into any contractual agreement with Westlake Portfolio.
To my dismay, Westlake Portfolio failed to fulfill my request for a copy of the contract. Instead, I was shocked to discover that they had initiated the repossession of the vehicle in question. This action is both perplexing and unjustifiable, as I maintain that I do not owe any debt to Westlake Portfolio.
In light of these circumstances, I feel compelled to express my deep concern and dissatisfaction regarding the handling of my account and the absence of transparency throughout this process. It is my sincere hope that this matter can be resolved promptly and fairly, with the provision of the necessary documentation to validate any claims against me.
I kindly request that you address this matter with the utmost urgency, as the actions taken by Westlake Portfolio have caused me undue distress and inconvenience. I believe in the importance of a fair and just resolution to this issue and look forward to your prompt response.
Sincerely, XXXX XXXX
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| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX By using unfair trade practices XXXX XXXX XXXX car dealer sold my wife and I a lemon car which was unsafe to drive. Which almost led to the car accident my due to a complete transmission failure only 3 days after purchase. Secure one warranty company, whos contract car dealer forced me to purchased stating that its included with a car loan additionally for XXXX $ lied to my me and my wife over the phone by misleading and misrepresenting the contract formulation. Which had wasted us 2 whole weeks that car spent in a workshop recommended by the warranty company only to find out that XXXX XXXX is refusing to pay or fix anything. Car dealers website also were advertising that cars come with their 90 days warranty, which also was a complete lie. Car Dealer retrieved the vehicle from XXXX car shop at the end of XXXX telling us that they will do all repairs themselves and we didnt hear from them since.
Westlake Financial and XXXX XXXX warranty company and the car dealer put my family into financial burden and crisis. Im paying car loan, car insurance, XXXX rides to and from work.
My transportation expenses exceed XXXX $ a month, my credit rating is dropping lower and lower, this is the worst car buying experience in my life. I still dont posses the car I purchased 4 moths ago. My wife and I barely was able to cover the rent last month and almost got evicted. Which would put us on the street with no car or any help. Our life turned to a XXXX XXXXXXXX. We were more than patient and understanding, my wifes health is declining now after all of these stress and shock, medical bills are adding up more and more.
2 weeks ago I received a notice via mail from Westlake Financial ( dated 2 days after car sale ) that Warranty contract and GAP insurance were added to the car loan amount financed but were not included in the contract item list. In addition, car dealer made us sign separate agreement for a differed down payment with completely different company name, telling finance company that they received XXXX $ from us as down payment, no such agreement were included in the contract as well.
Westlake Finance has no interest of helping me with the crisis they put me through, they only expect on time payments. Car dealer didnt contact me back for almost 2 months now, attempts to reach out to the dealer were unsuccessful.
I have a strong feeling that Im being scammed by the car dealer, finance and warranty companies using unfair trading practices, predatory landing and financial schemes. I ask for your help and guidance to restore my rights and protect my family and my familys credit.
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : WestlakeCustomerCare XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was 0 for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is.
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : false information sent to credit report XXXX XXXX XXXX , Westlake reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX.
XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX XXXX not XXXX.
Post script I also left you a voice mail and if I dont hear back will try again.
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I tried to pay majority of my car note. My car note is {$340.00}. I go through the WestLake Financial app to pay. I enter my debt card information, the system says there was an error and to try again. I enter the card information again and it says the payment was successful. I receive a email saying 2 withdrawals for the amount of {$300.00} was processed. I call the WestLake Financial customer service line and state I would like a refund for 1 of the {$300.00} payments. She says it will take 5-7 business days for me to receive a refund. Next, I contact my bank ( XXXX ) and asked for them to issue a temporary debit provisional until I receive the refund from Westlake. They issue the temporary provisional with no problem. The same week on the day of Friday the XXXX, I received the refund from WestLake. The following week, I go to pay the remaining balance of {$45.00} and the balance is now {$0.00}. The starting month of XXXX, I pay {$150.00} and it tells me the remaining balance is {$190.00}. The following week, I go to pay the remaining balance and it shows a balance of {$540.00}. I contact Westlake Financial to see what the issue was and was told I have a leftover balance of {$340.00} from XXXX. I tell the representative thats not right and that the whole payment was made already. The representative hangs up and I call several more times but no luck as most of the representatives barely speak English. Finally able get in touch with a representative who speaks somewhat better XXXX and he tells me XXXX reversed the payment on the XXXX of XXXX. He told me in order to make my account balance current, I would have to pay {$160.00}. After paying the {$160.00}, he says there shouldn't be any issues. Several more representatives from WestLake contacted me about making a payment and I Immediately asked to speak to a supervisor. He tells me his records doesn't show a payment being made besides the {$45.00} and he wouldn't be able to give me credit for {$300.00} and there was nothing he could do. He asked me to email WestLakes dispute department a copy of my bank transactions showing they took out two payments of {$300.00}. I email them the copy and I haven't heard anything back from them yet. I contacted XXXX and they state that their records doesn't show a reversal on the XXXX nor do they see an extra {$300.00} in my account showing from WestLake. As every single day goes by, they add on {$7.00} which has amassed {$400.00}. I have never missed a car payment for the couple months I have had this vehicle and don't wasn't this to mess up my credit because an error in the system.
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
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Web |
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I signed a lease for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. The contract was handled through CULA, Credit Union Leasing of America. To obtain a lower payment on the Lease I traded in a vehicle that was given credit for it. My total down payment was {$7900.00} on the price. I leased the vehicle from XX/XX/XXXX, until it was in an accident on XX/XX/XXXX. I have a police report that I was not at fault in the accident. I called the credit union that I currently pay my lease to, which is now XXXX XXXX because the account was transferred to them, to let them know what happened. The representative said I had a payout balance of {$34000.00} that was owed on the vehicle but to see what the insurance adjuster said first. I took it to an adjuster that estimated initially {$21000.00} in damage. After the adjuster took the vehicle for a closer inspection it was changed to over {$31000.00} and deemed a total loss. The insurance company said the payout was {$42000.00} ( roughly ) so that I would not need GAP insurance to pay a difference on the vehicle. All companies, such as XXXX, XXXX, XXXX, etc., take the payout balance and the equity, if any, returns to the consumer. On a call with XXXX to Cula to arrange for payment CULA states they keep all monies for the vehicle, including the overage from any down payment. The representative, XXXX XXXX, said it is in the contract and that is what is going to happen. He was rude and the XXXX representative, who had arranged the call as a three-way, apologized at the call 's conclusion for the way the representative explained things. I e-mailed CULA again, hoping they would release the funds, explaining that this practice is not common and unfair to the consumer, but was told to refer to the contract. In fact, the representative ( XXXX ) highlighted a section of the contract that says if the vehicle is a total loss the lease terminates. While it says the company is deemed as a loss payee is does not say they claim all rights to any equity. I explained I had no right to purchase the vehicle, through no fault of my own, and I should not lose the opportunity to purchase the vehicle or claim any equity. Again, other company 's do not claim the equity but only take the payoff amount. CULA refuses to discuss it and the contract is not clear to the average consumer nor is it a fair business practice. CULA claims to be the sole owner, yet CULA signed a power of attorney to allow me to be added as an owner, in order to register the vehicle in XXXX XXXX XXXX XXXX views CULA and I as co-owners of the vehicle as seen on the registration that is attached.
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| 02/04/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. and the company called my childs phone and her boyfriend and a old co worker also some how called the church .Thank you
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| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made XXXX on time payments which is more than the cost I agreed to finance. I have contacted WESTLAKE financial, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an WESTLAKE financial is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay.
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed XXXX becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
|
| 12/05/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
Older American |
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I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX.
Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
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| 07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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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.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
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Pursuant to the Federal Truth in Lending Act, 15 U.S.C. 1635, 12 CFR 226.23 and California Civil Code 1689. Westlake Financial was notified on XX/XX/2022 of my rescission of the credit consumer transaction entered on XX/XX/2022. I have never received any material disclosures informing me of my right to rescind under this subchapter. Per this subchapter, I am no longer liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void. This is the 1st instance of Westlake Financial violating my rights as a consumer. Westlake Financial has not provided the proper remedy to reflect the termination of any security interest created under the transaction in the allotted time of 20 days. As further evidence of the fraudulent contract that was entered with Westlake Financial, take notice to 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Westlake Financial has not provided clear and conspicuous disclosures to me, nor have I signed such material disclosures that would allow my personal information to be shared. This is the second instance of Westlake Financial not providing me with the proper material disclosures in connection with this credit consumer transaction. This negligence is not only unlawful but a clear violation of rights as a consumer have become highly injurious to her credit rating. Take Notice to 15 U.S.C. 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly to whom the credit is extended and imposed directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I paid a cash down payment in the amount of {$750.00}. This cash down payment being comprised with a consumer credit transaction that has a finance charge is unlawful and fraudulent behavior on behalf of Westlake Financial. This is the third instance Westlake Financial has violated my rights.
|
| 01/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Account Holder : Honor Finance , LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX : XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under the VIN # XXXX are being disputed. Last time I spoke to your customer service team I was met with unprofessionalism and verbal threats of legal action for the debt. Legally, your representatives are NOT allowed to use these tactics when dealing with collections. The vehicle was purchased XX/XX/XXXX and financed by Honor Finance LLC, repossessed in the state of Georgia, and sold by Westlake Portfolio Management. Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system in or on the CFPB website.
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 07/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am writing to file a formal complaint against Westlake Financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX regarding fraudulent practices and the inclusion of an unauthorized extended warranty in my auto loan contract. The actions of these entities have resulted in financial harm and a violation of my consumer rights.
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$11000.00} ( see attached XXXX and XXXX ), with a down payment of {$1300.00} ( {$500.00} trade-in and {$800.00} cash ). To finance the remaining amount, I secured a loan through Westlake Financial.
Recently, on XX/XX/XXXX, I noticed that my loan balance with Westlake Financial had not decreased as expected. Concerned about the discrepancy, I contacted Westlake Financial ( XXXX see attach XXXX ) to seek clarification. However, the representative I spoke with was unable to provide a clear explanation for the inflated balance. Upon further inquiry about an item called " XXXX WARRANTY '' listed on my loan contract ( See attach XXXX XXXX - Account number : XXXX ), the representative failed to provide a satisfactory explanation. I asked to be transferred to a supervisor. Unfortunately, the call was abruptly disconnected, leaving my concerns unresolved.
I made a subsequent call to Westlake Financial on XX/XX/XXXX ( XXXX see attach XXXX XXXX, to address the issue once again. During this call, I was connected with a supervisor who shed some light on the matter. The supervisor confirmed the presence of the " XXXX WARRANTY for SERVICE CONTRACT '' on my loan contract but did not offer a clear explanation for its inclusion. When I expressed my desire to cancel, the supervisor assured me that it was indeed possible to cancel the warranty and receive a refund that would result in the being applied to the loan 's principal, which currently stands at {$12000.00} ( See attach XXXX ).
The supervisor at Westlake Financial told me that to proceed with canceling the warranty I would have to call XXXX. XXXX as indeed I did it XX/XX/XXXX, she told me they can not do it. So then, I contacted XXXX XXXX ( XXXX XXXX ) on Monday, XX/XX/XXXX. However, my attempts to reach a representative were largely unsuccessful, and when I did manage to speak with someone, I was informed that the warranty contract had expired on XX/XX/XXXX. This contradicts the information provided by Westlake Financial, and the representative refused to transfer my call to a supervisor, citing the absence of a binding contract between us.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with XXXX stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with XXXX and XXXX. The XXXX dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.
|
| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On XXXX XXXX i purchased a XXXX XXXX XXXX XXXX from the US Auto Sales dealership in XXXX, XXXX My down payment was {$1300.00}. I was informed that my license plates and tags will come in the mail within 45 days. On day XXXX XX/XX/XXXX the vehicle would not come out of park. I contacted US Auto Sales and was transferred to XXXX XXXX and was told that my warranty was voided out. I reached out again to US Auto Sales to find out that they were closed and Westlake Portfolio has taken over my account. I have made numerous calls regarding my not receiving my license plates and tags. I was given the run around. My apartment complex that's to have the car towed if i could not move it. I reached out again to Westlake after speaking with a lawyer name XXXX XXXX XXXX to request my money back and have the car repossessed. They refuse to give me my money back but said they would come get the car. The car say in the same spot for more than XXXX weeks and they never came to get the car. I had to pay {$120.00} for a movie mechanic to come fix the car so it could be moved. I continued to email and call Westlake Portfolio to get a resolution for my plates and tags with no luck. Ive down with supervisors, title department and multiple agents with no paperwork. I went to the tag office with the pairs i had from the dealership and was told they wouldn't work the company has to send in paperwork for me to get my plates ; however they would give me XXXX more temporary tag for XXXX weeks. The temporary tag expired on XX/XX/XXXX. Upon speaking with them and the lawyers the still never came to get the car or provide any paperwork for the XXXX. XXXX XXXX found an email address for me to contact them about my issue again. Upon the correspondence the person working for Westlake Portfolio said they did not have any title information and they we're sending my account to collections. I have reached out to the state with no help. It's been six months and they have yet to provide any paperwork for me to register my car. Now they are in my credit report for the full balance of the car but can not hold up their end of the deal when it comes to me being able XXXXo drive my car legally. I have the email correspondence between me, US Auto Sales, Westlake Portfolio and the lawyer. Now US Auto Sales is out of business, they closed all their dealerships and filled bankruptcy. What am i to do with a car that i can not get registered and the finance company can't produce and paperwork or try to resolve an issue I've been having for six months.
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I walked away with the car on XX/XX/2022 from XXXX XXXX XXXX. A day before that on XX/XX/2022 I was going to purchase the car, but the check engine light was on and I told them I would not be purchasing the car due to the check engine light being on and me being a XXXX XXXXXXXX, I needed a reliable car. They told me nothing was wrong with the engine or transmission it was just loose wiring. They called me back on XX/XX/XXXX and said that they had fixed the wiring and the car was good to go, a day of me having the car it broke down on me at a red light and completely shut off. Again they said it was something with the wiring and theyll get it fixed when I had took it back for them to fix it. After I took it back the second time to get it fixed two days later I was driving again and it shut off on me completely, so my mother and I took it back and demanded that I get another car or we will not be doing business with them any further. They said that a new car could not be given to me but that they will fix the incorrect wiring on the car for the third time, they claimed to have fixed it. Before It shut down on me completely I had to go get new brakes, so I went to XXXX XXXX And paid to get my brakes fixed with a credit card they offered me and once they fixed my brakes they told me that the dealership that sold me the car sold me the car with 0 % brake life and they are surprised that I made it here alive. After getting my brakes fixed and opening up a credit card with XXXX XXXX, my transmission went out completely around XX/XX/XXXX. That being the 4th time the car shut off on me, I had a mechanic come to my house to check the car and he told me that the engine was completely shot and the dealership I got the car from sold me the car with a bad transmission that only had a few weeks of life and hes surprised it didnt go out sooner. So I contacted the dealership and they told me that they would go half with me on all the repairs and I told them that I should not be paying for any of the repairs. They told me my warranty of 15 days was already up, even though I told them to fix the car many times during my warranty and they never truly fixed it. So I contacted Westlake financial letting them know that XXXX XXXX XXXX sold me the car with the transmission being out with 0 % brake life and they did nothing to fix the car when it was already having mechanical issues and that I could have lost my life many times in that car. All they told me I still had to make payments on the car and they came and repoed it.
|
| 07/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Account Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and XXXX are consumer reporting agencies, and I'm the consumer and/or customer. As per 15 USC 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures.
Also, in conformity with the FCRA customers have the right to make sure their nonpublic personal information is not shared according to title 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are financial institutions according to that title and will be referred to as such hereinafter.
Title 15 USC 1681b ( a ) ( 2 ) states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. All forms of consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Title 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX are nonaffiliated third parties. None of the financial institutions informed consumer the right or how to exercise my nondisclosure option before my nonpublic personal information was disclosed.
Furthermore, title 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. The account ( s ) with these financial institutions are adverse items that they are reporting without my permission.
Title 15 USC 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''.
Consequently, 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out. Effective Immediately.
See attached copies of my consumer report.
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| 10/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have a car loan with Westlake financial. The car has been repoed an they have called me literally 10 times a day since the car was repoed and I have already explained my situation with them. Last night was the last straw for me with this company. Here is the email I sent them this morning to file a complaint for harassment about a guy that called me last night from their company : Last night I had a phone call with someone from collections name XXXX XXXX. His attitude and yelling at me about my car and my situation were unacceptable. I'm personally going through a hard time right now. I have became the primary caregiver for my XXXX XXXX XXXX grandmother who recently has XXXX her XXXX. Needless to say between caring for her, my XXXX daughter, and my XXXX XXXX XXXX son. I have not been able to work as much and my car is now in a repo situation. When I received the call from this man with westlake financial last night I was very emotional and upset to say the least. Our conversation made me even more upset and in distress. The way he talked to me was offensive and I did not appreciate his tone. I was clear that I was not in a mind frame to deal with anymore stress. Finally after he argued with me about my car and claiming that I was requesting to defer XXXX months of payment which I was not asking for, he transferred me to a new person. She was a woman who was nice and kind. I ask that you go back and listen to this conversation between XXXX and I. And also listen to the conversation between the female I spoke with last night and you will hear the world of difference between how he treated me and how she treated me. He was abusive in his tone and argumentative with me during a time when I needed a compassionate and caring person. I understand that my situation has caused my car to be repoed and for that I'm sorry, however no one deserves customer service like I experienced last night no matter of their financial situation. I was upset and I did yell, and cry and everything else, however his response to my stress was unnecessary and some of the worst customer service I have ever had in my life. I did not deserve to be treated the way he treated me. This situation with this car has caused me extreme emotional and mental stress and I'm trying to find a way to solve all of this. I have cried many nights over all that has gone and I've been able to sleep, his actions caused me even more mental and emotional distress. If you need more information regarding this please contact me at XXXX.
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| 02/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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The car was originally financed with XXXX XXXX, from my knowledge the company is no loner in business and Westlake Portfolio took over our loan. The XXXX XXXX XXXX I purchased from XXXX XXXX XXXX XXXX XXXX in XXXX, GA came with numerous problems making it a Lemon Car. Within the first week of purchase the car had a {$1200.00} transmission issue I was able to get the place of purchase, to correct. 2 months later another issue with the catalytic converter arose making the car not passable for an emissions test, along with wheel bearing issues appearing all with in 2 months. The value of the car was drastically cut a year later making it only valued at {$4000.00}, half of what the {$8000.00} loan was for. With already {$5300.00} invested in a lemon car and taking a huge loss I could no longer afford to invest payments in a car I could not drive on the road and voluntarily gave the car back XX/XX/XXXX. I personally called their towing company and handed it over. I was willing to pay the difference of the value of the car and what I've already invested in the car since the purchase in XX/XX/XXXX. They sold the car for {$2400.00}. They've received double the value of the car from me already. I presented Westlake Portfolio a settlement offer and they refused to provide me a letter before I paid on the agreement we came up with stating if I paid they would remove the debt from my credit. They wanted me to pay first, then they'd send me a letter via DocuSign stating what we agreed to. After being persistent they provided me with a vague letter stating they'd report it as settled. Not the agreement for " settled, paid for deletion '' we came up with. I've had to deal with numerous rude reps who like to think they know more than the consumer and being threatened by XXXX XXXX, a supervisor in the charge-off department on XX/XX/XXXX who said " they have ways to get the money from me '' I had to remind him that debt collectors are not allowed to threaten the consumer for wage garnishment, send harassing phone calls etc. I disputed the amount owed with Westlake and do not take ownership of the debt account in anyway. I have come with a settlement amount with them and WAS willing to settle this debt just to be done with them as long as they provided me with some assurance before I paid them. The trust between me and this company is gone and I will not pay on a debt I do not agree I owe unless they provide me with a letter stating they'll do as they say because they've already threatened me.
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| 11/23/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello, I am XXXX XXXX and I entered a credit transaction with Westlake Financial. I have been violated from WESTLAKE FINANCIAL on so many accords within the Truth in Lending Act. First I extended my credit to this company in 2018. I was never told that I had 3 days to rescind according to 15 U.S.Code 1635. My insurance was not included in my finance charge. I had to pay that separately I didn't even get the option to have that which is a violation of 12 CFR 1026.4b7. Also, I put a down payment down on the car which is illegal according to 15 USC 1605. My car was stolen by the CoSigner on the paper that I received from WESTLAKE FINANCIAL it states that the only responsibility of the CoSigner is the payments. That is a break in this companies paper. I continuously called this company and had a police report to show that my car was stolen. They also violated my rights as a consumer under Federal Dept Practice Act. They continuously used profound and obscene language about threatening to repose my car which is a violation of a 15 U.S. Code 1692d.2. They also are in violation of 15 USC 1692c.b. I have several emails from them stating they are " attempting collect a debt from me ''. Within this same act I was violated also under 15 USC 1692b.5 where each communication received from them states their direct logo and that they are a debt collector.
I have reached out to WESTLAKE FINANCIAL to validate this alleged debt but I have not heard from them yet. I sent over a cease and desist and received another email from the company asking about this alleged debt right after they received it. As I sent the documents certified mail so I have the green receipt of when they received it. I have stressed and stressed lost my job due to this credit transaction and I am still carless at the moment. I have begged this company to please return my vehicle and stop threatening me to repose the car they even asked me would I like the car to be returned I told them yes and I literally did not hear from them again until they started sending me collection emails and a 1099c form. I also asked this company to stop reporting on my credit report an alleged debt that is already paid for through the finance charge, and to stop contacting me. They have not done any of these things. I am just tired and stressed as a consumer at this point. While me and my kids struggle to get around someone is out there driving around in our vehicle that belongs to US and I am the one getting collection threats everyday.
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| 04/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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Im a student at XXXX XXXX XXXX XXXX, in NC. I had my first car purchase financed through XXXX XXXX XXXX. I have been a customer with them since XXXX, XXXX. I recently refinanced through XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to refinancing, I received a check from XXXX XXXX for an amount of {$70.00} on XX/XX/XXXX. During this time, I was also waiting on the arrival of my student financial aid check ( state ). It turns out I accidentally put in the wrong banking information for my check to be direct deposited into. I put the account and routing number at the bottom of the {$70.00} check that they sent me. Below I attached an image of the check to see the banking information. I also am attaching an email confirming the trace of my student check, showing that it indeed went into that account, which I was told was a business account. Once I realized I put in the wrong information, I immediately changed it momentarily, however I was too late. I reached out to the school and was told that since I put in the wrong information, I authorized the check to go into that account and that there was nothing they could do. So I decided to call XXXX XXXX, which is the bank that XXXX XXXX with, and they told me that they could not just take the money out of their account, even if it was a mistake and didnt belong to them. After that, I decided to take it upon myself to contact XXXX XXXX. I filled out several requests to speak with the CEO, but never heard anything back. I spoke with several customer service representatives, trying to explain the problem, but I had no help. I was told multiple times that Id be called back, regarding more information, but never was. Finally I talked to someone who seemed to understand the situation and he told me that I would be receiving a check with the full amount of my student check which was {$940.00} in 21 business days. I asked for his extension in case I had any problems and he gave it to me. It has now been 28 business days, and I called the extension to speak with him to see if he had any information on when it may be arriving, and the telephone operator told me that it was an invalid extension. The amount of {$940.00} was deposited into XXXX XXXX on XX/XX/XXXX. I was supposed to receive this check to help pay for my school expenses. I had to take out of my own pocket, during this pandemic where I was left jobless, to pay for these expenses myself. This bank treated me and my situation very poorly when the money wasnt theres first to begin with.
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| 01/24/2024 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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West Lake Financial - call harassment The issue started around XXXX XXXX. I get calls starting at XXXX XXXX on weekdays, weekends, and holidays. I have done lots of troubleshooting by interviewing West Lake employees and supervisors. The employee said that they added me to the do not call list, but the problem persisted. I have spoken to various supervisors both nicely and very upset. I have confirmed that West Lake does not show my number in any of their systems so they can not add me to the do-not-call list. A supervisor on one of my sweet calls confirmed to me that they get lots of calls like mine of people upset because of continued calls at all times, but there is nothing they can do because they can not find an account or number so they lie telling them that they placed them and do not call list but calls continue. Since the calls continue, I pursue getting to the top of Werst Lake to inform them and try to get them to correct the problem. I successfully got in touch with XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been collaborating and asking them for help since XX/XX/XXXX. After pushing I have received acknowledgment from XXXX and XXXX. But said that they will look into this. After continued pushing and follow up they concluded that there is nothing they can do as they can not find the bug in their system that continues to call.
XXXX XXXX said on XX/XX/XXXX, " We have searched all our records and do not show us calling your number. As previously stated, a customer of ours is forwarding our calls to your number. If you have an account number or name of the person we are trying to call, we can place that number on Do No Call. '' I replied on XX/XX/XXXX, " As I previously stated, thats highly unlikely. But, if that is the case, the call originates from your company, and West Lake should be responsible to stop it, so please own it. I am very tired of the daily harassment for months now. I guess you are telling me that is time to move on my escalation to the FTC. Thank you and I will pursue other and ALL avenues as I have reached the top of the leadership of your company with no ownership of the problem. I will continue to push until I find a resolution and get this harassment stopped, this is not right. '' I need help to stop this. The calls originate from West Lake which has been proofed. I am the victim of these harassment calls and they need to find the bug in their system at all cost.
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Numerous attempts have been made to contact West Lake Portfolio Management on behalf of US Auto Sales since XX/XX/2023. My vehicle has been PAID IN FULL direct to US Auto Sales since XX/XX/2023. My Payments direct to US Auto Sales and from my bank were received, posted and acknowledged. Upon making my final payment, I was advised by US Auto Sales servicing center on XX/XX/2023 I would receive my title within 7-10 business days. However, we are quickly approaching 90 days and I have not received my title, or an electronic lien release issued to the Georgia Department of Revenue.
I have attempted to contact US Auto Sales on many occasions however, the business has filed for bankruptcy, correspondence sent certified mail has been returned, forwarding address is no longer valid and all business locations are closed. My payments to US Auto Sales included a warranty and GAP Insurance, only to learn US Auto Sales stopped paying the warranty company and GAP insurance over a year ago. I received a letter from US Auto Sales advising I would be entitled to a refund of {$1800.00} that I haven't received. US Auto Sales has been operating illegally in the state of Georgia for the past 6 years as their business license was revoked. I have worked 2 jobs to pay off my car in full and I was excited. I am now feeling frustrated, hurt, mentally exhausted and betrayed by my experience with US Auto Sales. I have always been a good on time paying customer, and always held up my end of the contract. I have been left with no further communication from US Auto sales and stolen funds. I have been left with questioning US Auto Sales integrity and commitment to honoring their contracts. I have provided my XXXX receipts from US Auto Sales, in addition to my posted transaction history from my bank paid to US Auto Sales servicing center from XXXX for my final balance. However, Westlake is advising they aren't receiving my documents. With each phone call to Westlake I receive a different answer. I was advised that Westlake was under staffed.
It is my understanding that Westlake Portfolio Management has acquired US Auto Sales. Therefore, the matter now falls within the scope of Westlake Portfolio Management. It is now their responsibility to honor their commitment by doing the right thing and making this process as seamless as possible. At this time, I am requesting an immediate release of my title and electronic lien release be sent to the Georgia Department of Revenue as soon as possible.
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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There are several account billing errors with XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
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| 10/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On Monday XX/XX/2018 My wife and I called into the company to ask if we had any pending or scheduled payments that were going to be coming out. The lady on the phone told us no and that nothing will be taken out.
On Wednesday XX/XX/XXXX {$240.00} came out and made our account negative. We never authorized that payment and if there was a scheduled payment which nothing showed online or in the app that we had one then nothing should have been taken out. When we called the Monday before we were going to cancel any pending payment so when they told us no that there were no pending payments is where i have a problem. We called that same day ( Wednesday ) and the guy on the phone told us it would be 24-48 hours and gave us a confirmation number of XXXX.
So on Friday, XX/XX/XXXX the money was still not back into our account. We called and spoke to another guy. He said he doesn't know why it was never refunded and said that he would like to expedite the process and asked me to send and email with a voided check. i did that and asked when this would would be back into my account and he said 24-48 hours.
So on XX/XX/2018 the money still wasn't into our account. We called and spoke to the " supervisor '' and she said it will take 24-48 hours and i asked about the overdraft fees she asked us to send in proof which we did and she advised that she will send it over to the accounting department so we can get our refund.
So on XX/XX/2018 we still haven't gotten our money. We called and asked where it was at and they said that since we were set up on recurring that it was going to be mailed to us. Told them that everyone else we have spoken to has told us that it will be going into our bank account not getting mailed and that we want our money back now.
So today XX/XX/2018 we still haven't received anything. We called again and told them that we are done with them and just want our money back. Guy on the phone said the check was supposedly mailed out on XX/XX/XXXX but only for the payment amount not for the overdraft fees as well. We sent in more documentation for that and he said he will expedite it.
I just want our money back. I have never had a place like this give us a run around and cause us so much harm in our financial life. Normally when they give the days it will be refunded it normally is refunded. I have gone days without eating or money for gas because we haven't had money because they lied to us so many times. it should have never taken this long.
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| 10/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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hello, i needed a vehicle very badly due to me having a child and needing to get to work in a reliable way. i saw a vehicle that i was interested in so i decided to go see it, i went to a dealership about an hour away from my home named XXXXXXXX XXXX XXXX i really liked the car i went to go see, so weeks prior to me going in person to see the car i was looking at online photos everyday of the car, the pics were not showing the entire interior, only angles of certain parts of the interior, and me being an impulsive person, as soon as i seen the car i was eager for a test drive, i test drove the car and it drove kinda rough, i was still interested, i had {$1000.00} in cash as a down payment, the dealer told me they will put {$1500.00} on the credit application and told me to pay them back the rest when i get paid again from my job, they also added on the application that i was self employed, i didnt really know what to do or say so i agreed with everything, i left with the car with a paper tag, i then got home, where my child was with my mother, i was putting my child in the car and reach for the rear seatbelt, there were no seatbelts in the rear at all, and also in trunk there was sooo much damage so obviously the car was in a accident before me i was in shock and immediately went to call the dealer ship, no answer, i left a text message and didnt get a response til the next day, the message i got said they have someone to install the seatbelts for me, mind you the radio speakers didnt work at all so they said they will fix both at the same day, that was a lie, after 2 months of lying to me about actually getting them fixed, they finalized reached out to me and wanted to help me with my issues with the car, by the time i got the seatbelts fixed my front headlights stopped working out of nowhere and i had to drive at night like that, and the car wouldnt go over 20 mph and sometimes wouldnt start at all, and the worst part of all of this, the car smelled wet everytime it rained outside and began to grow mold right under my childs car seat adapter!!!! after that i stopped driving the car, i grew tired of the issues so i decided to surrender the vehicle, i was paying {$440.00} for this vehicle every month, the vehicle is a XXXX XXXXXXXX XXXX. this has caused me emotional distress, and XXXX because im stressing over a vehicle thats not even worth it and now i have no vehicle and they still want me to pay the {$10000.00} remaining balance on the vehicle loan
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question.
First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.
I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.
Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt.
Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.
15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.
5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
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| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XX/XX/XXXX I purchased a vehicle from one of XXXX XXXX XXXX XXXX XXXX XXXX ) dealerships in the state of Florida. The vehicle was financed with XXXX XXXX since it is considered their in house financing. The company based out of XXXX, TN closed their doors and shut down all operations on XX/XX/XXXX and issued no notice to its consumers about what will happen to the accounts, how we can make payments, and anything regarding warranty on the vehicles. Days had passed and still no notifications as to what is going on. I learned about the news through social media and stayed in touch with a group from around the nation that are in similar situations with vehicles from XXXX. I was advised that Westlake Portfolio Management might have my account since others were receiving emails and texts about the accounts being transferred over. I was never contacted by Westlake but I did my due diligence and contacted them to see if they had my account. They verified my account and advised me that they needed a few days to be able to have my contract uploaded which I understood. I've had multiple conversations with Westlake customer care and have been told lies or no answer at all with what is going on with the lease. My payment information was given to me incorrectly, I was told that warranty would not be covered but was told that it was, I was also told that the contract was not changing and therefore I did not need to receive an updated contract to sign, I was told to provide a copy of my contract so they can review it and any receipts of any issues I was getting fixed so they can see if they can reimburse me. I have been called due to non payment because I do not feel comfortable paying a company that doesn't even know what is going on or uphold their end of the contract like they are supposed to since they are supposedly taking over. The vehicle has always had issues since I first got it but was fixed when I brought it up to XXXX. I have not been given any explanation of what is going on and believe that Westlake is under a breach of contract. Line 39 of the contract states that any modifications will be provided to me in writing and will need to be signed by both parties. Nothing like that has happened. XXXX finally filled bankruptcy on XX/XX/XXXX but I have no idea what that means for me. I am scared to drive a vehicle that is not covered under their warranty and I am scared that the vehicle will just be picked up and affect my credit.
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| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company XXXX XXXX XXXX XXXX XXXX from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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My husband and I have only been with Westlake Financial services for a short time now but the problems we have encountered are beyond belief. My husband and I are military and due to this we both have POA 's over each other. I have sent in the requested POA 4 times and they can never understand how to read it or how to notate it in their system, it was supposedly approved by 2 managers ( XXXX XXXX and XXXX XXXX ) yet they also failed to notate it in the system. My husband also sent in two letters authorizing me on the account that Westlake said would help them yet every time we call there are no notes in the system under our account. Me and my husband decided that due to the numerous problems we encountered we would refinance through a different bank and therefore received a pay off check that we promptly sent Westlake in the mail. We put a tracking number on it as well as requested that the company had to sign for it in order to receive it so that we could see exactly when they received it from our side ( due to lack of ability to be honest with us in the first place and lack of ability to notate when things are properly received ). They received the check on the XX/XX/XXXX and when I requested to know when it would be posted Westlake stated that it would post in 24-48 hrs. Soon I called back because it did not post in the time stated I was than told by a different representative that it would take 3-4 days instead. I than asked to speak with a manager in which I was informed that the manager was unavailable. I asked for a callback and never received one so I than sent in an email and never heard a response there either. I than called back because 4 days had passed and no check was posted. I than was finally transferred to another supervisor that I had not spoken to before. This individual ( XXXX XXXX ) had assured me that the check would post by today or tomorrow ( Thursday or Friday at the time ). I than waited over the weekend until Tuesday in which no check had been posted STILL!!! I called back and was transferred around numerous times with still no answer! I was than hung up on twice in the process. This is a full pay off check and the way this company handles business and client relations is horrible! I have documented every conversation with this company, when I have called, why I have called, Who I spoke with every time! I am in need of answers and am not pleased with the lack of professionalism!
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| 02/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, I disputed information on my credit report with XXXX. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, XXXX is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with Westlake Financial Service, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. XXXX violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. XXXX recently verified this account as being accurate. But how is that? I recently wrote Westlake last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXXXXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, XXXX has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
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| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a returning customer to US Auto sales at XXXX XXXX XXXX, XXXX, GA XXXX. I traded in my previous vehicle being a XXXX XXXX XXXX in for a XXXX XXXX XXXX on XX/XX/XXXX. At that time I purchased a 2 year car warranty to be included in with my car payment. As of XX/XX/XXXX It was notified that US. Auto went out of business. We were told to pay Westlake Portfolio. I was told that i had to pay this company from now on for my future car payments. I was unaware of any information that had been sent to this company with all my personal information. I had not given consent to US Auto to give any of my information out. I was told by Westlake Auto that if i did not pay them, then my car would be reposed. I requested on several occasions for a contract between myself and westlake. I was told that they did not have a copy of it. At one point i was told that my old contract did not matter and that i needed to pay them. I was told that they had power of attorney over all US Auto accounts. XXXX car was reposed on XX/XX/XXXX. My lien holder is listed as US Auto not Westlake. On my credit report it is listed from US Auto as being closed and paid off. Then its listed that i have an account from Westlake Portfolio with amounts and the purchase date as the date that i purchase my care from US Auto, not Westlake. This entire ordeal has been a nightmare from XXXX. I've lost sleep, had XXXX and suffered from XXXX due to all of this. I am a single mother of XXXX kids and they came and took my car from me and wanted me to pay more money in order to get my car back. US. Auto breached my contract that i had with them, as well as not upholding my warranty that i purchased. I am requesting to have BOTH accounts removed from my credit due to the inaccuracy of information report to the credit bureau as well as my personal information being given to a company that i do not have a signed contract with nor listed as my lien holder. I have my original contract that i signed on XX/XX/XXXX with US Auto. I do not have any other contract that i signed nor agreed to pay for the vehicle that was taken from me. It has cost me a great deal of money, loss of sleep and pain to go through what i have been going through. This is terrible. The amount that is reported from westlake as my monthly payments is incorrect as well as the balance that was due. It is reporting on my credit as a repossession from Westlake and a monthly payment of {$550.00}.
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| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I acquired an auto loan from Westlakes Financial. Monthly payments beginning XX/XX/XXXX. On XX/XX/XXXX I got an unsecured personal loan from XXXX XXXX to pay off Westakes. Now a year and a half later, I tried to finance a vehicle and was denied due to a charge-off on my credit report from Westlakes. I immediately contacted Westlakes and was told that the pay off was short by {$30.00} by XXXX XXXX and now interest had accumulated to {$97.00}. I paid this immediately that evening to resolve it. Now, my account status says Account Paid - Was a Charge-off, which is ruining my credit. I have been denied by numerous banks because of the charge-off. I have made countless phone calls to Westlakes. About 3 different employees at Westlakes looked at my account and said the charge-off was not my fault. All of them said it was common sense that it was not my fault. I was told to call back a week or so later for a final decision on whether they would remove the charge-off. When I called, I was told they decided to not remove the charge-off. If CFPB requests phone calls made by me, you will hear the employees and one supervisor say that the charge-off was not my fault. Westlakes has been sued in the past. They have a history of taking advantage of people with poor credit. CFPB forced Westlakes to pay XXXX XXXX dollars in damages. One of the things Westlakes has been sued for is for breaking or changing contracts without informing clients. I have attached a copy of our contract. The contract is good through XX/XX/XXXX. Westlakes broke our contract and put a charge-off on all of my credit reports over {$30.00} owed, which I was never notified about. The amount was paid and the {$97.00} in interest was paid as well. This financial institution has a history of this sort of activity. To further show you the type of questionable activity that happens at Westlakes, I have attached two letters sent to me and my wife from Westlakes. At the beginning of my search, I tried to finance a car through Westlakes. In the rejection letters we received, we were both told that we were denied due to a previous repossession with Westlakes. My credit reports will show that neither me or my wife have ever had a repossession with any financial institution. Finally, I have also attached a copy of the Westlakes contract and the pay off check from XXXX XXXX to show the documentation. Thank you for your time and for your help.
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| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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The Company is USA auto Car dealership servicing financing buy here pay here dealership XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company closed boarded up seven months after financing a vehicle with them. i went there because my car was not running or working like it should it would only go up to 40 miles an hour. I was told when any of the cars where in need of repait that I was to take to any XXXX XXXX they would repair and honor my warranty. I did go to XXXX and they informed me they would no longer honer US auto because there agreement turned out to be fraudelent with them as well. 2. next took my vehicle to a depended mechanic i always go to XXXX XXXX XXXX XXXX XXXX NC XXXX the car for them to see what was going on with my car, when i picked it up thye said they would not simply even touch the vehicle it seem to be the engine was bad along with some very serious electrical problems he would not touch it it was so bad. I will give you alist of of issues i found from the beginning to finance this car. XXXX the vehicle is XXXXXXXX XXXX XXXXXXXX it had XXXX mile when finaced asing price was {$24.00} dollars the downpayment in two parts was {$1400.00} to pay the vehicle off in full somehow became {$40.00} after i really dig downed and looked hindsight after i was not getting the monetary credit of my XXXX payments each month 2.In the the time i had the car I had to pay 3 different finace companies without notice the finace companies were changing, thay were Us auto financing, XXXX XXXX when my problem began, lastly car repossed by westlake finacing to when i inquired found out they were not a fince company but credit collection agency who ask me for full price of the car threatened to repossess the vehicle, many letters from them, as of a week ago theydid take vehicle at XXXX in the morning never knocked took my dmv tags with them which have reported my tags lost stole. i want remedy ihave had pain and suffering XXXX XXXX XXXX XXXX XXXX XXXX for over 25 years XXXX on XXXX I used that car to get back in forward to treatment until I could not no more. You will ask did I not pay my payments any more after no warranty, I was not able to find who I was paying my money to, I was not given monetary full credit for the payments I did make, and yes I would not continue to throw my money in the air like that, My last payment to these XXXX XXXX was XX/XX/XXXX i believe. so i just want answers and remedy.
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| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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My credit card was issued by XXXX on XX/XX/XXXX it was sold or transferred to Westlake Portfolio Management in XX/XX/XXXX, due to XXXX going out of business. My monthly payments were always {$35.00} due on the 1st of each month. I made my first payment on XX/XX/XXXX with a customer service representative. When XXXX & XXXX came my payment was considered 3 & 9 days late and I was charged a late fee which I paid. My XXXX payment was made on XX/XX/XXXX via the mobile app but my payment posted on XX/XX/XXXX and I was charged yet another late fee. On XX/XX/XXXX I called and spoke with a customer service representative named XXXX, I had previously spoken to 2 other reps but the calls were disconnected both times. XXXX said that my payment was considered late because their system doesn't post the payment until 24 hours later, I told XXXX that I have never made a payment on the due date and it be considered late. XXXX said she would put a request in to have the fees reversed and it could take 24-48 hours she said to call back and verify that it was reversed XXXX also processed my XXXX payment for {$45.00}. I checked the mobile app on XXXX and noticed that I was charged another fee of of {$9.00} for an unknown reason. I checked again on XXXX and was charged yet another fee of {$9.00} bringing my total due to {$19.00}. I called on XXXX and spoke with 5 different reps of those 5 I was disconnected 4 times by the rep when they were suppose to transfer me to their " credit card department '' the 5th time I called I spoke with XXXX who said that they did not have a credit card department he then transferred my call to XXXX XXXX, XXXX looked into the account and said that the fees were justified because my payments were considered late. She said she would request a call back from a department who can handle my account. The contract details say that the amount financed is {$650.00} with a 0 % APR and a monthly payment of {$45.00}, the contract states it ends on XX/XX/XXXX, this is all incorrect I am being charged interest and it is not been disclosed to me with those amount I would end up paying {$1400.00}. I sent an email to XXXX expressing my issues about my account I received a response that said I needed to speak with a rep, unfortunately their reps just like to disconnect the calls and can't help with my account. When looking at my statements I am being charged interest but the balance amounts do not match.
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| 08/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Our country is still suffering from a NATIONAL pandemic with the Coronavirus. We live in XXXX and are a family of XXXX, our XXXX growing kids,XXXX and XXXX. My husband lost his job during the pandemic. He was owed back unemployment wages that he is still trying to collect. He recently just lost the supplemental assistance PUA as well. I am a XXXX XXXX XXXX who is now the sole contributor to all our expenses and livelihood.When the virus struck, many companies proactively reached out to consumers to let them know that they would be forgiven for late payments or given extra time to pay without consequences. Not Westlake Financial. This company continued to call and harass us during this very distressing time. We made arrangements to pay when we could, but we were treated so poorly and shamed about even having to ask!! There were times when we were called and bothered no less than 5 times a day. While people were dying daily by the hundreds in XXXX. This type of behavior is despicable. Our mayor and governor have halted rent and mortgage payments so people have a chance to recover. Not Westlake, who once again after the time that they first granted us an extension, immediately started calling with the harassing calls daily. Also, my husband was berated by the " customer service '' reps that he always had to request to speak with someone else.Last week, our refrigerator broke after a storm in our area took out our power. My husband drove to XXXX XXXX to try to buy a part so we would not have to purchase a new one. While he was in the store, our car was REPOSSESSED by Westlake. Without notice! We were 2 payments behind. For this company, that is not much, but for us it is huge. To think at this time that they would repossess a car after only 2 months is shameful. Not only did this happen, but the way my husband was spoken to on the phone was embarrassing. As if we were XXXX trying to evade payment. We borrowed the money to get our car back because we do need our car as there were NO other options presented by the company. We asked for a payment plan, more smaller payments, etc. We have always stayed in contact with them during this time to let them know of our situation, but it has always fallen on deaf ears. We were given an extension but we were made very sure that our contract would be going longer.I can not understand how a company that serves the public can operate with so little compassion.
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| 02/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go.
I received an extended warranty from Westlake Financial Group/XXXX XXXX with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.
Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.
Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.
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| 09/18/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Updated Payment Amount or Refund Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant issue regarding multiple car payments totaling {$5000.00} that were made through my XXXX XXXX account to USA Auto Sales. Unfortunately, when the company went bankrupt and was subsequently sold to Westlake Portfolio Management, the payments were not transferred, and I am now facing uncertainty regarding the status of these payments.
Beginning on XX/XX/2022, I diligently made several payments to USA Auto Sales for the purchase of a vehicle. These payments, totaling {$5000.00}, were made as per the agreed-upon terms and conditions of the financing agreement. However, due to the unexpected bankruptcy and subsequent sale of the company to Westlake Portfolio Management, the responsibility for managing and allocating these payments has now shifted.
Despite my attempts to contact Westlake Portfolio Management regarding the transfer of these payments, I have not received any satisfactory response or resolution. This lack of communication and transparency is causing significant concern and financial uncertainty for me. As a responsible consumer, I believe it is my right to receive accurate information about my financial obligations and to ensure that my payments are properly allocated.
In light of these circumstances, I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter. I kindly request that the Bureau investigates this issue thoroughly and takes the necessary steps to provide me with an updated payment amount or, if deemed appropriate, facilitate a refund for the {$5000.00} paid.
I have attached all relevant documentation, including proof of payments made from XX/XX/2022, onwards, as well as any correspondence with Westlake Portfolio Management. I trust that these documents will assist the Bureau in understanding the urgency and importance of this matter.
I sincerely appreciate your attention to this issue and kindly request a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details.
Thank you for your time and assistance. I look forward to a positive outcome.
Sincerely, XXXX XXXX
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| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i had a predatory vehicle loan from westlake financial and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. westlake financial purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now westlake financial is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by westlake financial and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called westlake and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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Re : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( XXXX ) XXXX XXXX XXXX of XXXX, Tennessee, and ( 2 ) West Lake Financial Services.
XXXX Recall Information was provided too Westgate Financial and XXXX XXXX, in XXXX of XXXX!!
As the car finance company, Westgate Financial proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX
My XXXX XXXX XXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop.
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) XXXX slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway.
XXXX XXXXXXXX XXXX XXXX XXXX transmission.
Despite XXXX recalling XXXXXXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX due to Bad transmission.
In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!!
XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission.
During late, XXXX and early XXXX, my XXXX XXXX transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator.
I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX XXXX This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX transmission with the fix reprogramming of the Transmission Control Module ( TCM ).
XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH.
During the last 6-plus years, Westgate Financial reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!
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| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I am writing you out of desperation. Almost the same desperation that put me in the position to cause my current issue. A little over 3 months ago.I got a title loan from a company called XXXX XXXX. A check cashing place that advertises to do other financial services. But the actual loan they were advertising in their business was with another company called Wilshire Consumer Credit/Westlake FinanciaXXXX , they are a financial institution out of California. I got the title loan through loan center which then directs you to these companies. They had me fill out a form from the XXXX to add them as a lein holder on the florida title for my XXXX, not knowing who you actually doing business with. I got a loan of {$10000.00} in XX/XX/XXXX. The intrest was stated to be at yearly 64.4 % Yes 64.4 %. I had an issue as we all did during XXXX and XXXX with work being slow. I thought id be able to pay in a few months but that didn't happen. I have paid them nothing and because something isnt right about this company. I was advised that there is nothing that can be done since the bank that actually wrote the loan, XXXX XXXX XXXX XXXX Utah is well in Utah! So my major questions! Why is a business who IS in Florida, advertising for a company based out of California, and using a bank in Utah, allowed to sell this financial instrument without oversight and charging well over the allowed amount in this state, using Florida 's own title documents, and not be subject to Florida laws! All paperwork was signed in the office at XXXX XXXX in XXXX XXXX, Florida. Now when i ask for the current payoff as of today, my balance says I owe {$13000.00} but Wilshire credit says the payoff is adjustable with these special payoff letters. I am not a genius but something is screwy with this situation! Can someone please HELP! Thanks in advance. I have contacted them by email and calls and refuse to contact me back about this, they have 3rd parties call on Wilshires behalf to collect a debt. The original creditors do not call, which is XXXX XXXXXXXX XXXX XXXX XXXX. They have numerous 3rd parties call on deceiving number which none of them i did business with. They are breaking so many laws I cant even keep count. Id like someone look into this and please inform all so they never do business with any one of these companies or better yet, put these companies out of business and shut them down.
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| 05/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to XXXX XXXX XXXX ( car payment company for the old vehicle ).
A few months later, I receive a bill from Westlake Financial stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called XXXX XXXX XXXX and told them that I traded this car in and that I do not own this debt.
XXXX XXXX XXXX told me that they were aware of the situation. Westlake Financial was now affiliated with XXXX XXXX. I asked the representative why I didn't receive any information about the new affiliation. XXXX XXXX XXXX stated that the payment from the dealership was sent to them when it should have been sent to Westlake.
The representative also stated that they were working on solving the issue and that Westlake Financial should have received the payment from the original dealership.
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe Westlake Financial for the auto installment loan. I call Westlake Financial several times to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day.
I was also told that XXXX XXXX and Westlake Financial have been in contact with each other about solving the issue with the debt.
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from Westlake Financial.
On XX/XX/XXXX, I receive a Release of Interest Letter from Westlake Portfolio Management with my Installment Sales Contract stamped PAID.
Now, I am left with a false credit report on my credit from Westlake Financial with proof that they receive payment from XXXX XXXX XXXX. I am currently working on building my credit back up. It has dropped XXXX points since the false report from Westlake.
Westlake Financial had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit agencies.
|
| 05/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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XXXX I tried to log into my US auto sales account to make an online payment due for XXXX. I then learned this company closed and sent all accounts to XXXX XXXX XXXX. I was not in default or in bad standing. The company did not inform me of any changes. I try to pay the payment on XXXX and it will NOT allow me to pay i get an error " generated token failed '' I have paid the same amount on the same exact bank info since XXXX i was not aware period this was happening. I now have a charge to pay the account that is new as well ... .2nd issue i have is we are not told anything about changes and the debt collections XXXX has my payment the same, but wrapped up in my car payment i am paying for services i no longer have such as my GAP insurance and servicing fees that are no longer applicable. I am not understanding how this is legal to send my account ( hundreds of people ) to a 3rd party company XXXX warning and still charge same amount for services they do not provide. my payment is XXXX every 2wks that has built in a fee for title, GAP, and servicing. XXXX does not provide these services so i feel it is fraudulent due to having me pay " make believe '' services and it is not " real ''. I do know i owe my car payment, but i feel legally this is not right. we should have those services taken off the amount we pay monthly due to not receiving them. I am unsure how to pay this debt collector because they state they do not have my contract and will not have my title, that they are simply there to collect debt. I purchased this car in XXXX, i have my loan amount under XXXX but this is not right. i have my car loan sent to " collections '' when i was not defaulted. What do we do for paying the services not provided. looking at my contract when purchased the car i am paying little over XXXX for these services and they are no longer offered to me at no fault of my own. The US auto sales gave XXXX warning for any of this and i find it unjustifiable to pay a debt collection on my credit report even when i did my part up until this business closed. How can i get this debt for services OFF my total payments left and 2nd how do i even make the payment if i only get " error ''. This is happening to hundreds of people XXXX warning XXXX answers to questioned asked. XXXX had long wait times and hangs up on people while asking questions about their portfolios.
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Sadly there was a returned payment on XX/XX/XXXX to my load provider West Lake Financial. I was not notified via mail or phone. I was out of town working in MD. XX/XX/XXXX I come back and have a knock at our door at XXXX. A repo guy. He had the car hooked up. He asked for the keys and I emptied my car. In 2 hours we paid XXXX via XXXX as no other payment was good. We were told you couldn't pay on the spot. ( If I knew we had an issue before hand the cash was in the bank. ) So I called Westlake Financial to give them the XXXX confirmation number. Well, I was told I have to wait 24 to 48 business hours. I was told they only made 1 call to notify me and that they admitted they didn't leave a message. I was told that it was my problem and not theirs.
I then called back later to ask if we could avoid having this on my credit report. The guy on this call was very rude and mocked me over the phone. He told me that should know how to pay my bills and that it was my fault and to deal with it as I was going to have that on my record and nobody will remove it. I have issues getting people on the phone to discuss these matters and I was told they do not allow customer to talk with the collections department that decides what is going on. In addition to paying the XXXX which included the processing fees, repo fees I logged into my West Lake Account and found they are trying to charge me another {$350.00} that was already paid. I had called XX/XX/XXXX around XXXX and asked why I was being charged 2x. They said they didnt get all the money and yet I had paid them via XXXX XXXX on XX/XX/XXXX. My account reflects they got the XXXX and shows no payments due but this repo fee.
I want the repo removed as we were not notified and I was told that because my check didnt clear they had the immediate right to take possession of my vehicle since they made it 2 months behind. In addition, this was not my original lender. I was to have been with XXXX XXXX ; however, after a month I was told our loans were moved to XXXX XXXX without any agreement or documents. I didnt agree to have this company as my lender and I didnt sign a loan agreement with them. There are numerous complaints on a site called XXXX XXXX. Why are they allowed to treat people this way. I am a single mom with an XXXX child and I can not afford the stress and all they had to do was communicate.
|
| 09/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 09/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing to file a formal complaint against Westlake Portfolio Management. They have been attempting to collect money from me for an auto loan that I have never taken out, and I believe this is a violation of the Fair Debt Collection Practices Act. I am providing the following details to support my complaint. Despite not having any contractual agreement or association with an auto loan with them, Westlake Portfolio Management has persistently contacted me, demanding payment for a supposed debt. The contract that I had was with US Auto Sales/Finance and they filed for bankruptcy XXXX XXXX XXXX is a debt collector not a finance company. This company even went as far as being put on my credit reports. I would like to clarify that I have never entered into any auto loan agreement or made any transactions with the company they claim to represent. I kindly request that XXXX provide me with detailed documentation regarding this alleged auto loan debt. This includes the auto loan agreement, my wet signature, any loan statements, or any other supporting documentation that establishes the legitimacy of the debt. I urge them to clarify the origin of this debt and verify my liability. I formally dispute the debt in question due to the lack of evidence and my complete absence of any involvement with the alleged auto loan. I kindly request that all further collection attempts cease until XXXX can provide proper documentation and prove my liability. In order to ensure clear and effective communication, I prefer to be contacted by mail. Please refrain from contacting me via phone or email until this matter is resolved. I request that XXXX conduct an immediate and thorough investigation into my claim. I expect a comprehensive response within 30 days, addressing the specific details of this complaint and providing a resolution to this matter. Attached to this complaint, you will find copies of all correspondence and any supporting documents I have related to this issue. I appreciate your attention to this matter and your assistance in resolving this unjust debt collection attempt. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint and take appropriate action against XXXX if deemed necessary. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
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| 04/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
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Web |
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Notice of billing error ( XXXX XXXX XXXX ) Was sent of to West Lake Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement.
The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of 7 CFR on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor.
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ).
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.
All debt obligations and securities are owed to the United States 18 U.S.C 8.
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]
|
| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
|
| 06/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I recently performed a review of my credit report. Following my review, I learned that your company/agency shows some unauthorized accounts that I find to be harmful to my credit and reputation. Hence, I am requesting investigation, removal, suppression, block and dispute of the below mentioned account accounts. I also request that WESTLAKE FINANCIAL SERVI, XXXX, XXXX and XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
The following item is the results of me being a victim of identity theft. This information does not relate to transactions that I have made or accounts that I have opened. Thus, it should be blocked and removed from appearing on my credit report pursuant to Section 605B of the Fair Credit Reporting Act. Please be advised that I have completed an identity theft report.
The fraudulent and/or erroneous account in collections is listed below : 1 ) WESTLAKE FINANCIAL SVC, Date opened : XX/XX/2019 Amount : {$11000.00} TO REPEAT, I did not open any of this. I have NEVER done any business with any of the above mentioned company, nor did I authorize any of these accounts. Also, I was not aware that the account existed until recently.
Credit reporting is VOLUNTARY not mandatory. I never agreed forWESTLAKE FINANCIAL SERVI, XXXX, XXXX nor XXXX or any other agency to report anything or furnish any info.
Pursuant to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am writing to you to formally register a comprehensive complaint regarding grave issues I have encountered with both U.S. Auto Sales and U.S. Auto Finance, entities operating under your jurisdiction. I believe it is crucial to bring to your attention the array of discrepancies and injustices surrounding my vehicle purchase and loan, specifically concerning the extended warranty, GAP coverage, and undue disruptions to my vehicle usage.
On XX/XX/XXXX, I, XXXX XXXX XXXX, entered into a vehicle purchase agreement with U.S. Auto Sales, a copy of which is attached for your reference. As a prudent consumer, I opted for an extended warranty and GAP coverage to ensure the security of my investment. These additional protections came at an extra cost, which I have diligently included in my car payments since the initiation of the agreement.
However, shockingly, on XX/XX/XXXX, I received communication from XXXX, the provider of the extended warranty, stating that my extended warranty was never funded. This revelation carries significant implications, suggesting that I have been making payments for an extended warranty and GAP coverage that have not been honored in any capacity.
To provide a comprehensive understanding of the severity of these matters, I have attached the following documents : Copy of the purchase agreement Records of payment made for the extended warranty and GAP coverage Communication from XXXX dated XX/XX/XXXX, confirming the lack of funding for my extended warranty These continuous issues have left me profoundly unsettled and disadvantaged, both financially and in terms of my ability to use the vehicle I rightfully own. I am seeking your immediate intervention to rectify these grievances and to ensure that U.S. Auto Sales and U.S. Auto Finance are held accountable for their actions.
I am seeking the following actions to be taken : A thorough investigation into the practices of U.S. Auto Sales and U.S. Auto Finance regarding the sale of extended warranties, GAP coverage, and the unwarranted disruptions of customers ' vehicles.
A prompt and comprehensive resolution that encompasses refunding the payments made for the unfunded extended warranty and GAP coverage.
Assurance that such practices are rectified to prevent future instances of mishandling customers ' rights and payments.
|
| 01/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
|
|
I am a natural person and federally protected consumer. On XX/XX/XXXX XXXX XXXX committed grand theft & and stole my XXXX XXXX XXXX in connection to a consumer credit transaction that was entered into on XX/XX/XXXX. This transaction was PAID IN FULL by my SSN and signature pursuant to 15 usc 1602 ( l ) .There is/was no consideration ( 12 cfr 1026.4 ) ( 15usc1640b ) given by XXXX XXXX in the creation of this fraudulent loan only an implicit attempt to extort an exorbitant amount of money from yet another uninformed, unsuspecting consumer. No loan of purchase money was ever given to me by XXXX XXXX only an extension of MY credit. Because this pertinent information, as well as ( 15 usc 1638 ( a ) ( 2A ) ( 3B ) ( 5 ) ) disclosures of amount financed, finance charge and total payments was never given, I have been charged continuously over the last 4 years for extra fees, late payments and repossession fees, all of which should have been included in the finance charge. My rights have been violated over and over from the start by XXXX XXXX. And here I am after loan maturation as of XX/XX/XXXX, out of over {$16000.00}, currently without a vehicle with a clear and free title, and in jeopardy of losing my job due to my vehicle being stolen and held for ransom. A {$4500.00} cash down payment that was said to be required as a condition of acceptance paid by me was already accepted and added to the total sale price as part of this fraudulent contract ( violation of 15usc1605 ( a ), 15usc1692.806 ( 1 ) 807 ( 2 ) ( a ) ( b ) ). XXXX XXXX is alleging I owe another {$2000.00} of which {$1500.00} must be paid to redeem my car or it will be " charged off ''. Documentary evidence will show the original contract with only my signature and none from XXXX XXXX, the entire package of documents given to me at the time of signature at the dealership, as well as my payment history with XXXX XXXX. This is an URGENT matter as they are holding my car hostage. I just want and need my vehicle back free and clear of any liens, my account status reflecting Paid in Full and on time, and either my down payment or twice the finance charge back pursuant to 15usc1640. There was never any debt associated with this consumer credit transaction. The debt only arose after being mislead into signing this fraudulent contract.
|
| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute.
XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses.
XX/XX/XXXX late charge of {$30.00} that should not have been assessed.
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a Westlake representative stated was the remaining amount due.
According to the payment history sent by Westlake on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of Westlake either by mail or telephonically informed me of the {$16.00} balance.
XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount Westlake stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}.
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via Westlake Financial on XX/XX/XXXX.
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed.
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed.
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed.
In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that Westlake Financial mailed to me.
On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
|
| 03/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
On XX/XX/XXXX i purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX fl XXXX. I wanted to do in house finance nut went i got there that day i was told that i lives to far for in house so my only option was to finance the vehicle so they informed me that my loan was going to be through Westlake financial in CA. And that i would receive a call the next day so i called Westlake financial and was informed that they needed to gather some information like where i worked to verify my income and how much i put down on the car which was XXXX down payment and XXXX for the tag fees. I kept getting the same answers from Westlake financial everytime i called that my loan was denied because the dealer never faxed the paper work and that they couldn't reach my references i had my references call Westlake to verify because all of my references said they never received a call from Westlake financial and i called XXXX XXXX or XXXX XXXX XXXX back and was hung up on and told not to call the bank back that i don't have to worry it's my car. Im going to get approved for the XXXX XXXX XXXX XXXX purchase from them i tried to return the car on XX/XX/XXXX and was told they are working on it i asked to do in house once more and that they would call me back never heard back until XX/XX/XXXX because i filed a complaint with the dealer licence in XXXX fl. Telling me to come pick up my temporary tag cause it will expire on the XXXX this month. I drive there from XXXX XXXX in my other car to pick up the tag but XXXX XXXX wouldn't give because i didn't bring the car. I left and called the dealer licence rep that is on my case. He told me to try to find a finance company in XXXX XXXX. I tried but the car either was purchased from the company or my bank said it was to old to finance. Then XXXX told me to go back home and bring the car back.
I later received an email from the rep that is handling my case that he received notice from the dealer and the Westlake that i put false information on my application and if i don't bring the car back that they are going to have me arrested I put insurance on the car full coverage how could i steal a car from someone i want to do business with its been thirty days tomorrow i already knew they was trying to rip me off after the guy hung up on me
|
| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XXXX night at XXXX my XXXX XXXX was repossessed. When I called West Lake Financial, I was told that my car will not be released until the balance is paid. My loan was originated with XXXX XXXX XXXX and I paid off the first vehicle on this account and towards the very end of paying off this vehicle, my loan was sold to or given to West Lake Financial because I was told all XXXX XXXX accounts were being handled by XXXX XXXX. I asked XXXX XXXX why was my account being handled by a collection agency when I was not late on my payments. I was told it was not a collection agency and they will be handling all accounts. From my very first encounter with West Lake, they did not have any of my information in the system for 2 months but told me when my information finally got updated that my account was past due. I told them that I pay XXXX every month on the XXXX and when I make my payments, they continue to ask about the past due balance. I spoke with XXXX XXXX and was told that I should disregard that and they have instructed West Lake that my account is not past due and to accept my regular monthly payments. My account is now down to under XXXX as of today XX/XX/22. The balance left are deferral payments over the course of the loan and those are being paid back as I did the entire loan ( in monthly payments of XXXX ). I received a letter from West Lake stating I am in total collection and car could be repossessed. I immediately called XXXX XXXX and was told, they will take care of it and not to worry. Everytime I called West Lake no one would listen and everyone was so scripted that what the customer said was not important. Well I looked out my window last night only to find that my car was gone and I called XXXX XXXX to assist since they are the ONLY ones listening. This has been a TOTAL NIGHTMARE with West Lake and I plan to take further legal actions against this company to the fullest extent of the law. They are very unprofessional and ALWAYS act like bullies everytime I call them. The last conversation was with a supervisor XXXX XXXX who stated to me that my car will not be released until the balance is paid. I tried to explain to him what was going on and he told me it did not matter, the car is not being released until they get the payment. This treatment is unacceptable.
|
| 11/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This is a complaint from XXXX XXXX against XXXX XXXX , XXXX and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt.
On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake.
On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018.
A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion.
On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy.
Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation.
We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
|
| 11/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This is a complaint from XXXX XXXX against XXXX XXXX , XXXX and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt.
On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake.
On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018.
A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion.
On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy.
Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation.
We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
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| 07/26/2018 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This complaint is being filed against WestLake Financial Services for Violating my rights pursuant to Florida State Statutes 537.012 Repossession, disposal of pledged property ; excess proceeds. ( 3 ) Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale.
10 days prior to sale lender did mail out a Notice of Plan to Sell Property with time and date and stated Private Sale - Pursuant to Florida Statute 537.012 ( 3 ) may do so only through a motor vehicle dealer licensed under s. 320.27 as well as failed to provide place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property.
Notice does state if I want any of the above information I needed to contact them but the statute clearly states they need to provide all information 10 days prior to sale.
I have attempted to disputed through all 3 major credit bureaus but above subject matter was ignored. Reattempting dispute.
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| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding their failure to delete delinquency from my credit report, as well as their involvement in dealer fraud that has had a negative impact on my credit and financial situation.
In XX/XX/2022, I reached an agreement with Westlake Financial to pay off an account in return for the deletion of a delinquency from my credit report. This delinquency was preventing me from obtaining a student loan, and I agreed to pay the account in full based on their assurance that the delinquency would be removed from my credit report.
However, despite fulfilling my end of the agreement and paying off the account as agreed, Westlake Financial has failed to delete the delinquency from my credit report. This has caused significant harm to my credit profile and has continued to impact my ability to obtain a student loan, which has had a detrimental effect on my educational pursuits.
Furthermore, I recently discovered that the vehicle associated with the delinquency was sold to me with dealer fraud involved. At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and failed to disclose that the title was a rebuild title. Westlake Financial was aware of this fraud, but failed to disclose this critical information to me, resulting in financial loss and potential legal implications.
I have attempted to resolve this issue with Westlake Financial directly, but they have been unresponsive and have failed to take appropriate action to rectify the situation. Therefore, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to hold Westlake Financial accountable for their failure to delete the delinquency as promised, as well as their involvement in dealer fraud.
I have enclosed relevant documentation, including evidence of the agreement to delete the delinquency and information regarding the dealer fraud, for your review. I appreciate your attention to this matter and look forward to your prompt action in resolving this issue and ensuring that Westlake Financial complies with relevant laws and regulations.
Thank you for your assistance
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| 11/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Older American |
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On XX/XX/XXXX my final payment was supposed to have been submitted I wanted to pay my last last payment because I had no correspondence with them for this hold year of XXXX and when I looked at my statement it had a balance of XXXX. I called them immediately gave the represented my new address and information found out that if they didn't even put it in the listing. I wanted to an explanation as to why my balance was so high after fulfilling the obligation of my contract I had XXXX hey XXXX and I explained to them that I would not be able to work until I'm ready to go back to work and they said it would be okay so they read they had Rewritten my contract because during the covid process they said it would be any fees or no interest charge everything would be the same but apparently not and as of XXXX of XXXX I had made Seven payments and not one of them was deducted from my balance and I have the documents to show that. So would I talk to the representative he was telling me {$100.00} was going to the balance and the rest was going for the interest and fees but I didn't see that nowhere in the statements so I told them to send me a verification letter to show me the charges that they had supposedly had been charged me with and he sends me a statement instead of the actual breakdown of these charges that I have so called a crew and then looking back at the contract the contract was from XX/XX/XXXX to XX/XX/XXXX which didn't make sense to me either because they were still ask for money after XXXX and so I waited for them to get back in touch with me they never to get back in touch with me cuz they said they was going to call me back to conclude the differences and they was going to show me the charges but they never did they didn't contact me at all from XXXX till now and the next thing I know my car was repossessed on XX/XX/XXXX now I've been charged every day that car is in there until something is done this is not right and this is how they do their their they're paying customers without any notification of a letter statement they got my email address and home address no corresponders whatsoever so we could have probably worked them out but I'm a senior citizen and I use my car that's my employment and I wanted something to be done about this
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| 10/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/22 I called Westlake Financial and spoke with a representative about a recent Auto Loan inquiry from date of XX/XX/22. I am being discriminated against. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as im being told it is. I'm basically being denied credit unless I'm willing to put up {$10000.00} cash first. I expressed to them that this car is for personal, family and household purposes and that it was a consumer credit transaction. To deny me credit based on not being able to put down {$10000.00} is unethical and unfair and it's against the law. Pursuant 15 usc 1662 no advertisement to aid, promote or assist directly or indirectly may state that a down payment is required in connection with any extension of consumer credit, unless they normally arrange payments in that amount. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 usc 1692 and is pursuant to civil liability under 15 usc1692k. Westlake is willfully and knowingly giving false and misleading information while also discriminating against me which is a direct violation of 15 usc 1611. According to 12 usc 1431 banks are in the business of borrowing money, issuing bonds and debentures as well as purchasing notes. Pursuant 12 usc 83 it says no national bank shall make ANY loan or discount on the security of the shares of its own capital stock, meaning they are not loaning the money for the vehicle. So, if the bank would be purchasing my wet signed contract from the dealer ( promissory note ) and borrowing it to fund the loan that would make me a creditor. Pursuant 15 usc 1605 credit is the right granted by a creditor. A creditor is referred to as a person who regularly extends, whether in connection with loans, sales of property, or services or otherwise consumer credit payable by agreement. Denying me my right granted as a creditor is a direct violation of the law. Furthermore, because my social security number ( Creditcard ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of WESTLAKE FINANCIAL. Value was given but value was not returned. I have proof of this unauthorized use of my credit card.
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| 06/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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I applied for a title loan. I was approved and a notary met me where I had to sign some documents. One of those documents was consent to automatically take the payment from my account every month. My husband had passed away, I was going through XXXX XXXX myself and then had a life threatening stalker and had to move out of the only city i have lived in for 46 years. I did not pay attention to my account. i should have. The loan payment was not coming out of my account. The first payment was due XX/XX/XXXX. in XX/XX/XXXX I was at a friends taking care of his mom after XXXX and the a company came and repossessed my car. When my car was taken I had had a qtr less than a full tank of gas. When I picked the car up, the tank was empty, my tire was flat, a rosary that my grandmother gave me that was blessed by the pope had been ripped from the rear view mirror because there were only 2 pieces left. My battery was dead. The place I picked it up from had to give me a jump start to get it started. They have yet to report to the credit that the car is not repossessed, they have yet to respond to several emails and a few phone conversations they keep demanding their payment which I intended to pay off with my tax return, I had done everything they asked of me, and yet, I STILL have no word on the status of my belongings or the damage to my car. And my credit score is getting worse and worse after working so hard on it since my credit went bad as I was a stay at home Mom when my husband was first sick. This is not ok. I have emails, automated voice messages, and haven't heard from them in some time now. It has been 4 months. And nothing is resolved. I need a tire, a plastic piece that goes under my hood, the XXXX XXXX that I am paying monthly for because it's on a contract, A new battery, a tank of gas, and the rest of my belongings. From day 1 they did not do anything they stated they were. I can not even get my XXXX year old son a car because they have damaged my credit because I will not pay anymore payments, ( which I had made 2 payments since then but they have yet to resolve any issues with my things ) so I refuse until they give me some resolution. I have all documentation backing this up. But am at work so I will send them when I get home.
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| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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Last year, I purchased a car from XXXX XXXX XXXX in XXXX, GA. It had noticeable flaws like body damage, a lit check engine light, and engine noises. Despite these issues, I trusted XXXX XXXX promise to fix them after the purchase, and with my wife co-signing, I proceeded with the transaction.
However, XXXX failed to fulfill his promises, providing excuses for the unresolved repairs during my multiple visits there. The car experienced persistent overheating and stalling issues, leading me to seek repairs from various mechanics. Despite spending thousands of dollars on repairs, the car 's problems persisted.
Eventually, the head gasket blew. I later discovered that the car had 32 recalls, some related to overheating problems. I feel that I never should have been sold a car with that many recalls.
My attempts to maintain the car 's functionality drained my finances and had a significant impact on my livelihood. As someone with limited income from XXXX and occasional XXXX XXXX I struggled to manage car payments, insurance, and repairs. This financial strain caused both my wife 's and my credit scores to drop, affecting our financial stability and personal lives.
Hoping for a positive resolution, I appealed to Westlake Portfolio Management, the lienholder, for loan forgiveness and the removal of negative credit information. I explained that I had a letter with attached receipts serving as evidence of the recurring problems and the financial toll they took. I communicated the extent of my hardship and requested empathy and understanding, seeking relief and an opportunity to rebuild my life.
Westlake instructed me to send the letter via certified mail, which I promptly did, receiving confirmation of its delivery. However, despite numerous calls, Westlake claimed not to have received it. They then suggested sending it via fax, which I did, but even after confirming its transmission, Westlake continued to deny receiving it.
Shortly afterward, they repossessed the car without attempting to respond to my letter and work out a solution. I feel they maneuvered to delay the process only to repossess the car, leaving me with the impression of their underhanded tactics.
I appreciate whatever help you can give me with this matter.
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| 12/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Previous CFPB Complaint XXXX Dear Western Funding. I am aware that you are an original creditor and while 'debt validation ' may have been the wrong wording to use in the letter the intent was to determine if your company followed UCC requirements in repossessing the vehicle. You may not be required to validate the debt but you are required to show proof you followed the law! So again ... I demand proof that the repossession of the subject vehicle was legal in accordance with the following : Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title Dunning Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Checksheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). Letter of Private Sale ( Disclosing Purchase price of the buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of the claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
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| 12/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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Im a victim of identity theft. I became aware of this after receiving various notifications from the social security office informing me that I owe money. I decided to let my daughter know about the issue and request her assistance to help me find out what's going on. She recommended me to pull my credit report so I can review it for any fraudulent activity. Unfortunately, I did find fraudulent activity. Among the activity there is an auto loan with Westlake Service Inc. I reached out to them and provided the required documentation to them in two occasions. The first letter with enclosures was dated XX/XX/ ( see attachments ; Westlake_Letter1 and USPS_receipt_Westlake_letter1 ) and the second letter was dated XX/XX/XXXX XXXX XXXX ( see attachments ; Westlake_Letter2_Frontpage, Westlake_Letter2_signedpage, and USPS_receipt_Westlake_letter2 ). I did not receive any response from Westlake that meet the timeline outline in FCRA 609 ( e ). Just last week I received a letter from them ( attachment ; Westlake_Letter_DatedXXXX ) requesting the same and/or similar documents that I previously provided to them in the other two occasion. I am confused on why they are asking me for information that I already provided and paid priory mail to ensure that they received it. The Westlake letter was post marked on XXXX XXXX XXXX attachment ; Westlake_Envelope ) but I didnt receive it until last week. Additionally, they want a response with supporting documentation within 30 days from the date of the letter XXXX XXXX XXXX XXXX I am beyond words on why they are playing circles with me. I have exhausted multiple hours and money to resolve this issue with them. Furthermore, the letter they send me has contradicting information. The last paragraph of the letter states, contact me directly XXXX XXXX XXXX XXXX XXXX XXXX XXXX But the closing of the letter end with a XXXX XXXX. Two different individuals and not a single one outlines their position with Westlake. I believe this company is in violation of FCRA 609 ( e ) and possibly more. They are the ones that owe me and the current investigating officer the requested documentation that was stated in the second letter. This is why I am submitting a complaint with Consumer Financial Protection Bureau.
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| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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The problem is associated with Westlake Portfolio Management their are XXXX addresses associated with them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX and Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX, email address is XXXX phn # XXXX - XXXX - XXXX - XXXX and XXXX XXXX XXXX - XXXX An CFPD Complaint against them and unfair practices has already been reported about them on XX/XX/XXXX concerning credit cards the file ID is XXXX, on XXXX XXXX of their representatives told me that I had a debt of $ XXXX change from Account XXXX Contract # XXXX, that was transfered from XXXX XXXX XXXX, whom is no longer in buisness, I let the representative know that on XX/XX/XXXX I received a letter from XXXX XXXX Client Resolution XXXX that stated any missing or late payments had been removed and correct and accurate information was provided to the XXXX major credit bureaus,, also that on XXXX - XXXX - XXXX In a response to a complaint I filed against XXXX XXXX ( ID XXXX XXXX - XXXX ) with CFPB, XXXX XXXX XXXX has stated that the account associated with the XXXX XXXX XXXX XXXX was closed , payed off with a XXXX balance, I have also emailed Westlake Portfolio Management pictures on the letter from XX/XX/XXXX from the XXXX XXXX Client Resolution XXXX, a shared link to file ID XXXX - XXXX that shows XXXX XXXX stating to the CFPB that I no longer owe any money at all on the account and it is closed with a XXXX balance, she then stated that I showed email them a copy of the XX/XX/XXXX letter, I spoke to another representative on XX/XX/XXXX that said they would look into the matter, they haven't responded back to me or explained why the account is still open after XXXX XXXX stated it was close in their response in ID File XXXX - XXXX on XXXX - XXXX - XXXX, I also requested a pay off letter by both mail and email fro. Westlake Portfolio Management concerning the XXXX XXXX XXXX Account # XXXX Contract # XXXX, In have not yet received any response, I will be provided them with all necessary information that proves the Account shouldn't be open and has been forfilled, it appears that XXXX XXXX has lied to the CFPB in the response on XXXX - XXXX - XXXX and or Westlake Portfolio Management is lying as well.
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| 02/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My name is XXXX XXXX. I currently have an XXXX XXXX with Westlake Financial. To date, XX/XX/2022, I have received several threats regarding repossessing my vehicle, regardless of 5 or 6 days past due. This company repeatedly threatens to repossess the vehicle or make a payment, verbally.
I am completely at a lost for words. I advised him that I would like to make a payment and he continued to directly ensure that it was out for repossession. I explained that I Today at XXXX XXXX XXXX XXXX I spoke with a representative XXXX and he explained that I do not qualify for any type of assistance and that my car is out for repossession.
I have called several times repeatedly requesting for help ( numerous Westlake Representatives ) for status information, a return call from various negotiators as well as your Presidents contact information and/or the Department that handles Escalated matters such as this one.
Please understand, I am not seeking any sort of sympathy, only assistance to get back on track. I am disheartened at how this company treats people during a pandemic and attempting to get back on track. I have been unsuccessful at obviously getting to the accurate authoritative person to provide me information that is a reciprocated interest, other than continue to mention repo. I was told that my last payment would bring my account current however, today, I was told conflicting information.
To this day, I am very uncertain on how I was approved for a deferment and now I'm in repossession status. The company will continue to call and hang up when attempting to speak with a supervisor.
I am humbly asking, once again for contact information for your Presidents office. I'm also advising you that we are taking necessary steps to seek the attention to my situation, because I am very certain that we are not the only auto owners that are being threatened.
It is my opinion that because so many families are facing financial hardships that your department is so overwhelmed, and some files are not being properly handled and/or worked. It appears to be so much easier to decline or push a file off by repeatedly stating repo.
It is my intention to work with Westlake, not build a fence between us.
Respectfully, XXXX XXXX XXXX
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report.
On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018.
On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018.
On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe.
Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
|
| 09/06/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
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2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again.
In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse.
I have reached out to the DMV Department of Investigations with no response.
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time.
i 've informed both the seller and Financing company of my griefs with absolutely no resolution.
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light.
I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to.
I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX
|
| 07/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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My vehicle was in an accident on XX/XX/XXXX and deemed a total loss.
The insurance XXXX, XXXX, identified a settlement amount of {$37000.00}. This number was greater than both the capitalized cost XXXX, adjusted capitalized cost {$32000.00}, and residual value, {$22000.00} as indicated on my lease agreement dated XX/XX/XXXX.
on XX/XX/XXXX a payout from the insurance XXXX was conducted for {$29000.00} to XXXX XXXX XXXX XXXX the total payout amount quoted on the vehicle. and {$8400.00} to Credit Union Leasing of America ( CU Leasing Corp ), the title holder of the vehicle.
Per Section 16 of the lease agreement VEHICLE ACCIDENT AND DAMAGE LOSS OR DANGER AND GAP - " If the vehicle is damaged beyond repair or is lost or stolen and recovered, the vehicle is a " Total Loss '' and the Lease terminates. I realize you have no obligation to replace the Vehicle. If the Total Loss is a result of my intentional, fraudulent or criminal acts, I will owe the early termination liability set forth in Paragraph 17. if the Total loss is not a result of my intentional fraudulent or criminal acts, I will owe the sum of the deductible under my policy, any past due amounts under the lease, including the lease payments, that accrued prior to the date of the Total Loss, and any other deduction made by the insurance company when it honors your claim based on the condition of the Vehicle prior to the total loss ... '' Despite the clear terms of the Provision 16 of the Lease agreement that indicated that the lease would be terminated and that I would owe any deductible plus any past due amounts under the lease ( all fully paid ). Credit Union Leasing of America ( CULA ) kept the extra amount of money on the lease in excess of the quoted payout amount {$8400.00}. Instead offering me a mere payout of {$2500.00}. When I reached out to CULA they were unable to articulate why they were entitled to the excess payout amount of {$8400.00}.
This appears contrary to the contractual terms of the lease agreement and further was the exact difference in value between my previous lease and new lease for the exact same vehicle, leaving me in a worst condition than I would have been with the full insurance payout in excess of the quoted amount.
|
| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Westlake Financial Services for closing my previous complaint and marking it as a duplicate. I had previously submitted a complaint to the CFPB regarding a violation of my Truth in Lending rights by Westlake Financial Services.
I was informed by the CFPB that my complaint was closed and marked as a duplicate, without any resolution or explanation. This is unacceptable and has left me feeling frustrated and disheartened.
I believe that my complaint was not a duplicate and that it contained unique information and details regarding my experience with Westlake Financial Services. I strongly believe that my complaint should have been fully investigated and not closed without proper resolution.
I request that the CFPB re-opens my complaint and investigates it thoroughly. I would also like to receive an explanation as to why my complaint was closed and marked as a duplicate without proper resolution.
Thank you for your time and attention to this matter.
Here 's more information on previous complaint : I entered into a loan agreement with this company and was informed that there was no cooling off period, also known as a right of rescission.
According to the Truth in Lending Act ( TILA ), creditors are required to disclose the right of rescission to borrowers in certain types of consumer credit transactions, such as loans for a primary residence. The right of rescission allows borrowers to cancel a loan without penalty within a certain period of time after the loan is consummated.
I believe that Westlake Financial Services violated TILA by failing to disclose my right of rescission to me. As a result, I was not able to make an informed decision about the loan and XXXX have suffered financial harm.
I request that the CFPB investigates this matter and takes appropriate action against Westlake Financial Services to ensure that they comply with TILA and do not violate the rights of other consumers in the future. I also request any possible compensation for the harm caused by this violation.
Thank you for your time and attention to this matter.
I have attached the agreement clearly stating " no cooling off period ''
|
| 12/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature.
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector.
3.They arrange to pay {$1000.00} for my damages.
I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I had a loan with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/2022 a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. I asked them for proof of the original contract I had signed with XXXX stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and unaware of stopping auto pay causing late payments. I called multiple times asking to speak to a manager, and was given an excuse every time. After weeks of severe stress, I considered paying balance in full. I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. The dispute was completed and the late payments were NOT removed from my credit history. My account was immediately brought to current and paid on time ever since I discovered the derogatory payments on my credit report.
|
| 07/18/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I purchased a 2000 XXXX XXXX which was financed by Westlake Financial Services, LLC in XX/XX/XXXX. During a difficult financial period before I passed the California XXXX XXXX, my car was repossessed for being 45 days late. After extensive conversations, I was provided with a viable option to obtain the car back, including the waiver of repossession fees. I did in fact get my car back and paid off the loan in XXXX, except for a small balance representing the repossession fees ( which still had not been removed ).
After several heated conversations with representatives of the company, this charge remained on my account. They threatened to repossess the car, but did not take such action ( in fact, the balance was charged off by Westlake in XXXX ).
In XX/XX/XXXX, I received a letter from Westlake/Redress Administrator along with a check for {$180.00}, in connection with the Consent Order that Westlake Financial Services, LLC entered into with the CFPB ( File # XXXX ). I was identified as Group B in the letter.
I reached out to Westlake in XXXX of XXXX and spoke with Mr. XXXX who advised me " well I'm not just giving you your title ; you have to pay something '' and falsely claimed that I received a refund check for interest ( I have in fact read the Consent Order in its entirety ). Mr. XXXX tried to make me pay {$230.00} to obtain my car title and refused my request to speak with a supervisor. He advised me that my only recourse was to send a letter to the charge off department. I subsequently sent a letter and received no response. On XX/XX/XXXX I finally got a supervisor on the phone ( XXXX XXXX ) who advised me to email all documentation to him so he could personally address the matter. When I called today ( XX/XX/XXXX ) I was transferred to a representative named XXXX XXXX who refused to transfer me to Mr. XXXX and insisted that I should have taken the check I received to pay them and demanded that I pay them in full. He also stated that the Consent Order did not apply to me.
Westlake Financial Services, LLC is holding my car title XXXX. While I purchased a new car last year ( directly through XXXX ), I am unable to do anything with the 2000 XXXX because of their egregious practices.
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Company : Westlake Financial Services XXXX XXXX : XXXX XXXX XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' WESTLAKE FINANCIAL SERVICES is a financial institution by definition under this title. 15 USC 1681 section 604 a section 2 states that under the following circumstances and no other private information can be shared : in accordance with the written instructions of the consumer to which it relates. Westlake Financial Services the financial institution do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services never informed me of my rights to excesses my nondisclosure option.
Westlake Financial Services had shared my nonpublic personal information with XXXX XXXX XXXX XXXX without my consent, violating 15 USC 6801, 15 USC 1681, and 15 USC 6802. In Addition Westlake Financial Services XXXX XXXX XXXX XXXX XXXX to take possession on my property ( XXXX XXXX XXXX ) without my consent, violating 15 USC 1692 ( f ) which states A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property. On XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX XXXX had taken non-judicial action against me in a form of dispossession of my XXXX XXXX XXXX property.
|
| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2023 I spoke to someone at westlake financial regarding a payment arrangement for my car note in the amount of XXXX the representative at the time assured me that my request was approved and I would not be charged any additional fees. On XX/XX/XXXX and the XXXX I received calls from this number ( XXXX ) XXXX - XXXX stating my account was past due and asking when I was making a payment I was never given this number as a contact reference from the dealership I brought the car from or the finance company. I called Westlake financial at XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX about my car note and I stated to her that I already spoken to a representative and made an arrangement to pay on a certain date she assured and stated to me on a recorded line that it was noted in my account that a payment would be made XX/XX/XXXX of XXXX also XXXX XXXX stated that effective immediately tomorrow I would not be receiving anymore calls from the ( XXXX ) XXXX - XXXX number anymore when I made her aware that I wasnt given this number by anyone at westlake or the car dealership she didnt confirm that was one of westlake financial numbers but instead she just got silent and said umhmm yea and proceeded to state that she would have to speak to a supervisor to get my request approved. After already speaking to a supervisor and representative 10 days before my request was already approved and granted but what XXXX XXXX mentioned to me was surprising she said I would have to secure that payment arrangement with a credit card or checking account the representative I spoke to on XX/XX/XXXX never stated anything about having to secure the payment he said I can just call their ( XXXX ) XXXX - XXXX number back and make a payment with a credit or debit card for the XXXX amount. Also the representative before XXXX XXXX stated that a {$5.00} dollar charge would be added on when making the payment over the phone with a credit or debit card and when I mentioned that to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge come from. I am starting to think Westlake financial is a scam company because its always something new every time I speak to a representative at this company.
|
| 12/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.
|
| 06/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am filing this complaint regarding a medical debt owed to XXXX, a company that provides aligners, and their debt collector, Westlake Portfolio. I initially signed up with XXXX and agreed to a total cost of around {$2000.00}, with an initial payment of {$290.00} and subsequent monthly payments of {$99.00}.
Upon realizing that the aligners were not suitable for me, I researched the refund process on XXXX 's website. However, when I tried to initiate the refund, XXXX informed me that I was not eligible. I attempted to dispute their findings based on their own terms and conditions, but they had already blocked my access to do so. Feeling dissatisfied with their service and promises, I decided to continue making payments to XXXX, even though I wasn't a happy customer.
Months later, I discovered a missing payment collection notice on my credit report, which negatively affected my credit score when I was in the process of purchasing a car. I discovered that the missed payment amount reported by Westlake Portfolio, which caused my credit score to plummet by over XXXX points. When I contacted Westlake, they informed me that the amount they were claiming included interest and charges, and even if I paid the full amount, it would remain on my credit report for 7-10 years. XXXX redirected me back to Westlake, stating they didn't have any information about my account. This back-and-forth continued, even after speaking with XXXX, a supervisor at XXXX.
My main concern is that I am unable to ascertain which payments were missing, as I had set up automatic payments and didn't reconcile my accounts regularly unless there was a significant discrepancy. XXXX and Westlake have both provided different amounts owed, neither of which takes into account the payments I made or the agreed-upon pricing when I initially purchased the aligners.
I feel that both XXXX and Westlake are holding my credit XXXX without providing any details about the alleged debt. They are effectively extorting me, offering the choice between paying an amount I believe to be inaccurate or enduring the long-term consequences on my credit report. I am seeking assistance in resolving this matter promptly and fairly.
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
6. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
9. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
12. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
14. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
15. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
16. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
17. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
18. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
19. Identity Theft WESTLAKE PM Account Number : 1135**** This is not mine.
20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
21. Identity Theft Account Number : XXXX This is not mine.
22. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
23. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
24. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
25. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
26. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
27. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
28. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
29. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
|
| 10/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a vehicle from US auto sales. The location at the time was XXXX XXXX XXXX, XXXX, NC XXXX phone number XXXX. I traded in a car and received a down payment credit of {$3200.00}. the vehicle I purchased was a XXXX XXXX XXXX XXXX. The purchase amount was {$20000.00} and was financed in a contract with US auto sales at the time of the purchase. I purchased a vehicle service contract and gap insurance, which was agreed to be paid in the car payment that I make biweekly. The vehicle service contract was totaled in the amount of {$2300.00} and the gap insurance was {$690.00}. With this being said my payments for my car to is {$210.00} biweekly. US auto sales in turn shut down this year ( XX/XX/XXXX ), and I am still being held responsible to pay for a service contract I can no longer use, as well as gap insurance that I can no longer use. Us auto sales transferred their debt over to Westlake portfolio management. At this time I had to send in a letter for debt verification to Westlake portfolio management because I did not sign a contract with them. I signed a contract with US Auto Sales. US auto sales has breached that contract. I am wanting to know what can be done about this issue? I should not have to pay for a service contract I can not receive services from. Even though I signed for it, i no longer am able to receive either coverages put yet I am still expected to pay for it. In regards to this matter I have reached out to the Attorney General of North Carolina and the FTC. I am asking that you help seek a solution to this irresponsible matter. I do not want to give my hard earned money to a company who is doing nothing but taking my money. I understand my financial responsibility to pay for a car, but it is also their responsibility to hold up their end of the contract that i signed and not to breach it when I signed for a vehicle service contract and gap insurance. It is also unfortunate that US auto sales is the lienholder on my car. Therefore, I can not trade it or sell it. If there are some possible suggestions that could be given to me on what should be done in this matter, could you please reach out to me as soon as possible? thank you.
|
| 05/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Wilshire Consumer appraised the value of my vehicle over and above the NADA guidelines according to the condition of my vehicle. The vehicle is a rough trade in according to NADA 's guide value report. That value is {$1200.00}. So far I have made 6 payments on the vehicle and no principal has been credited as agreed. the vehicle was appraised at {$2500.00}, {$1200.00} more than it's true value. I am requesting that the vehicle title loan be cancelled at a {$0.00} balance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Transaction Type Transaction Date Amount Balance + Payment - Other XX/XX/XXXX {$150.00} {$2400.00} + Payment - Other XX/XX/XXXX {$100.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} I found three complaints regarding Wilshire Consumer Credit : Search results Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...
Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/administrative-adjudication-proceedings/administrative-adjudication-docket/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...
CFPB XXXX XXXX XXXX XXXX XXXX to Provide Consumers {$44.00} XXXX in Relief for XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : XXXX XXXX Services and Wilshire Consumer Credit XXXX XXXX XXXX XXXX ... Indirect Auto XXXX XXXX XXXX XXXX Consumers {$44.00} XXXX in ...
|
| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I started my contract with Westlake FinancialXX/XX/XXXX. The opening balance was {$20000.00} with an annual APR 23.99 % and a loan term of 72 months. I have a simple interest loan with interest incurred daily at a rate of {$12.00}. On XX/XX/XXXXI requested the payment due ( {$530.00} ) be deferred. I confirmed with XXXX XXXX that my payment would n't change and was told it would create a balloon payment with interest at the end of the loan. I confirmed that it was okay. Upon my request a document was sent to my email for me to electronically sign. In the document it says " You understand and acknowledge that the referenced extension shall result in additional interest being assessed on you account. Therefore, at the end of your scheduled term, there will be a balloon payment. '' I continued to make regularly scheduled payments XXXX XXXX. With a then balance of {$19000.00}, this balance remained from XXXX XXXX to XXXX XXXX with a total interest of {$4800.00} being paid. I spoke with a customer service individual XXXX XXXX, XXXX who confirmed that my monthly amount applied towards interest is {$370.00} and {$160.00} towards principle. After careful review of the payments and charges on my account I have found that there has been several payments that I made that were only applied to the interest. I have paid a total of {$8600.00} just in interest. You will see in the attached documents that I have gone several months with an unchanging balance amount. My current balance {$19000.00} has remained the same since XXXX XXXX. The conversation on XXXX XXXX, XXXX with XXXX XXXX discussed the details of a deferred payment. I was told that the principle amount was the only payment that was coming from the balloon payment at the end of the contract. Interest is added from the last time you pay until the next time you pay when you defer the payment. For example, I deferred my payment XXXX XXXX, interested accrued at {$12.00} per day from XXXX XXXX until XXXX XXXX when I made my next payment. I am very confused because I feel as though I am not getting anywhere. Refinancing is not an option with this financial institution nor with any other because my car is worth less than owe.
|
| 07/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On Saturday, XX/XX/2021 I purchased a preowned car and put down {$3.00} grand. The dealership worked with XXXX XXXX to get my account and running and the first payment of {$220.00} was to be made on XX/XX/XXXX.
Now, when looking at the car, the engine light was on and the salesman said they would get that taken care of. I wasn't aware of the major mechanical issues it had. After taking it to XXXX the next day the car overheated and was smoking. The car ended up having a major gas valve leak. I tried taking it to shops to get it fixed but they said the car was unfixable because the previous owner didn't take care of it.
I let the dealership know and they worked with me to get a trade-in on XX/XX/2021. That day I mentioned to them that the other car was still on the bank and they told me and my parents to not worry about or take the bank calls because they will pay off the car.
Two months and they still have not paid. They are even trying to resell the car. And my father has been dealing with them this whole time to get them to pay for the car. On XX/XX/XXXX my father went to figure out what's going on and that day the finance worker made a check to pay for the car.
The bank called me again on XX/XX/XXXX, I told them the same situation and let them know that the dealership sent a check to them. The worker told me he'll leave a note.
Fast forward to Monday, XX/XX/XXXX. Bank called again they told me they have not received any check. And this time they told me if I don't pay anything they will have the credit bureau on my credit account.
Now, I've been in contact with the bank and told them the situation and they keep telling me I still need to pay the amount. They call me at least 6 times a day. They don't ask where the car is or anything. They know I got a trade-in and that the other car is no good. It's considered a " Lemon Car '' so I'm surprised they're not trying to find where the car is or anything since technically that bank owns it.
I'm also going to file a complaint against the dealership. I was advised by the Consumer Financial Protection Bureau that it's best to file the complaint against the dealership with the Federal Trade Commission.
|
| 04/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Hello Dear Consumer Financial Protection Bureau I am XXXX XXXX XXXX, and I'm writing to you regarding an extra charge on my vehicle loan charges from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX.
I attempted many times in writing with the financial assignor in the dealership to disclose the charges. But I did not get any response in the last 60 days.
The complaint is about purchasing XXXX XXXX XXXX XXXX Contract number with westlakefinancial.com is XXXX Contract Number with XXXX XXXX XXXX XXXX is # DEAL XXXX # CUST XXXX Vehicle VIN : XXXX Here is the explanation about the default.
I entered the dealership in person for the mentioned vehicle for the retail price of {$14000.00}. I negotiated with the salesperson. ( XXXX ) to reduce the price for adjusting the match price with certified Websites like XXXX, XXXX which is around {$8000.00} to {$10000.00}.
The salesperson approved for {$1200.00} Cash Discount on the sales price + AN OPTIONAL Warranty Value Discount for {$2000.00}.
Which Makes the Principle Vehicle Retail Balance to : {$14000.00} - {$1200.00} - {$2000.00} = $ XXXX+tax They also charged these extra charges as warranty and other fees for closing costs total for {$2000.00} includes ; - Portfolio Protection for {$1400.00} - Express Gap for {$490.00} - Estimated Testing Charge for {$50.00} - Electronic Vehicle Registration or Transfer Charge for {$30.00} - Document Processing Charge for {$85.00} I also paid {$1000.00} in-person to dealership as Down payment Thus the total balance should be ; {$10000.00} - {$1000.00} + {$2000.00} + Tax = {$11000.00} + Tax But I see different numbers in the Retail Installment Sale Contract. That shows the amount financed is {$17000.00}! What makes around {$6000.00} Difference. plus interest charges of this difference in % 9.99 interest rate for 72 months!!!
I'm not accepting the current liabilities in the contract and absolutely no response from the dealership. This made me frustrated and I'm not affording the time, price & energy to followup on this situation anymore.
Please help me resolve this situation at the fair.
Thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a loan with a 5 year contract in XXXX of XXXX from US auto sale financial ( USASF ). My loan was to mature in XX/XX/XXXX. They had me sign a contract stating that I would give them {$200.00} every two weeks until the account is paid in full. I found by mail my loan was sold to another company. I found out about this after numerous call to US auto sale with no response. My loan was sold to West Lake financial on the same month my loan was to be paid off, with an outstanding balance. I was also informed my loan has been extended to XXXX of XXXX by West Lake Financial. I received a letter from Westlake financial in XXXX of XXXX that they are now the current owner of my vehicle and I had an outstanding balance for over {$2500.00}. I told them that was incorrect as I was to finish paying off my car that month. They told me no they purchased a vehicle for over {$2500.00} in XXXX from US auto sale, Ive asked them numerous time to clarify what those amount are. They told me I should know why it is that mount because this is my vehicle. I made a payment in XXXX. I then told WLF that I refuse to pay them anything else until they clarify where did that amount came from they have yet to do so. I recently reached out to them and told them I havent heard from them. They told me that there was a repossession on my vehicle for nonpayment. Ive been paying on my vehicle for five years. I havent been late but one time when I caught XXXX and I found out I had XXXX XXXX and I called the company because I thought I had insurance for the company to cover if I got major sickness or lost of employment. USASF told me I didnt have such coverage. Ive been paying on this car for five years and now at the end of my term this company Wesley financial is now its attempting to repossess my vehicle. I am at a loss and not sure what to do. Ive been late on all my bills because Ive been battling XXXX XXXX. The only account I paid on was the make sure I get to the doctors appointment and now found out when I thought my account is paid off they telling me no and requesting another {$3000.00} for me. My mature loan has now been moved to XXXX of XXXX please help me.
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This involves XXXX XXXX Westlake Portfolio Management. If they are doing this to me- they are most likely doing it to everyone and it is a matter of business practices. I hope you are able to use this case to put with others and get them to correct their business practices to be better in line with our laws and consumer protections or stop doing business so others are not harmed.
This is what I have submitted at the XXXX for XXXX and Westlake Portfolio Management, each : I am trying to make a payment to Westlake Portfolio for XXXX Payments. Their system repeatedly says " Sorry, currently our system can't process your request. Please contact customer service at ( XXXX ) XXXX. '' But when I call the number provided they say they will not fix their payment portal but that I have to pay them over the phone - which is a ) not secure over the phone and b ) does not fix the problem so I will have to call again next month and the month after because they refuse to fix their system problems. Then they threatened me to ruin my credit by reporting me to all the credit agencies if I do not give him my credit card information over the phone rather than fixing their secure online payment system so I can long in and make my payments. " You are already 10 days late and I need to take this over the phone today ... '' In fact I have the email with XXXX from XXXX trying to pay them and it is now XXXX.
I am now filing with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Byte because my contract was with XXXX and they sold this contract to an inept and possibly illegal collection company and/or according to the website it is " XXXX Powered By Westlake ''. My hope is the Federal Government will be able to compile other cases and investigate.
I contacted XXXX to get this resolved also and they simply gave me a form email to contact Westlake instead of resolving the problem either - and round and round we go while my credit is being ruined by these fraudsters!
You can see by the heading on their website that both Westlake and XXXX are responsible for this but neither of them is fixing the problem.
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I was sold a faulty vehicle by XXXX XXXX XXXX on XX/XX/23 and paid a {$4000.00} down payment. My husband and I applied for the vehicle and it ended up in only his name and our business. The first time Westlake financial ever called the registered number on this account, the agent was confused and apologized because as he said " our accounts are not allowed to be business numbers '' they also would not discuss any details with me without my husband. I advised the lending institution Westlake financial of the details the first week of XXXX after I already had the broken down vehicle at the mechanics and a diagnosis and quote in hand.
After sending in my complaint with all of the documentation the lender requested ( including mechanics vehicle diagnosis and estimate ) and repeated requests to at least have my complaint acknowledged and the account reviewed. They failed to do so. Never called, emailed, or even acknowledged. If i call they give me a run around for hours and do not give me any relevant information on my account, or any resolution whatsoever.
Despite getting a loan I have not been able to drive my financed vehicle for even one full day in the past 3 months. The vehicle died while being driven on the freeway and less than 50 miles after being taken off the lot.
Westlake financial has now impounded my dead vehicle and notified me that I broke the contract and have encumbrances and a lien on the vehicle which gives them the right to sell it within 10 days. The loan account has been paid and up to date for this entire time, not one late payment. I have also maintained 1 million dollar insurance coverage on the vehicle this entire time even while the lending institution has possession.
What do i do as a consumer when I have been taken advantage of from day 1?
The dealership is already currently facing a lawsuit and 2 bond resolutions.
This lending institution for being non-responsive and dismissive to their customers deserve the same. They have all of the necessary documentation they wanted and needed from the beginning and have failed to do anything with it or hold their client XXXX XXXX responsible for fraudulent behavior.
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I ( XXXX XXXX ) purchased a used XXXX XXXX XXXX from US Auto Sales located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX. My sales rep was by the name of XXXX. The car originally had approximately XXXX miles on it and was diagnosed to be in great condition with all mechanical aspects checked and accounted for. The first payment was made on XX/XX/XXXX at XXXX XXXX of {$250.00} with a confirmation number ( XXXX ). The following payments below followed : XX/XX/XXXX at XXXX XXXX : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX : {$250.00} ( Confirmation # : XXXX ) XXXX Payments were made via automated phone service.
XX/XX/XXXX at XXXX XXXX : {$250.00} ( Confirmation # XXXX ) XX/XX/XXXX : {$150.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$100.00} ( XXXX ) XX/XX/XXXX : {$200.00} ( XXXX ) My Customer ID XXXX with U.S Auto Sales before the merger on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX I called the claims department where I spoke to a representative by the name of XXXX. I explained to him that I was experiencing electrical issues that cause my car to turn off and display all dash lights. XXXX then provided me with a claim # : XXXX. I ( XXXX XXXX ) also reached out to my Sales Rep by XXXX who I explained the issues to, and I was directed to a Repair Claims FAQ card.
I am filing this claim because my balanced owed on the car does not reflect the amount paid and I was falsely sold a car that stated that all mechanical work was up to date. However, once taking my car to the XXXX dealership it was explained that the car needed Drive Belts replaced, the brake fluid was never replaced and very dirty along with the transmission fluid. I also received my first oil change ( XX/XX/XXXX ) 2 months after purchasing the car on XX/XX/XXXX, after it was stated that all fluids were of good standing and up to date.
|
| 08/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or about XX/XX/2023, I received a message on my phone with a link directing me to create a logon for an outstanding debt with no explanation as to who or why the company was contacting me. I looked online and found the company 's website stating a letter of transfer should be received but I had not received anything outside of texts and an email to create a logon for this company. I have been very leery of frauds since I am in law enforcement and have seen many types of fraud and investigating several cases at this time.
On XX/XX/2023, I sent a Request for Debt Verification Letter by certified mail to Westlake Portfolio Management in XXXX XXXX, California. This certified letter was received and signed on XX/XX/2023. Today is XX/XX/2023, and I have not received a response from Westlake Portfolio Management in the form of proof of the debt.
I have received two phone calls since the certified letter was received. The first call was a notification that my account was past due and in arrears by over {$800.00} and asking how I planned to pay the debt today. I informed the caller that I was not sure why he was contacting me since I received confirmation of the company 's receipt of the certified letter. I then, read the letter on a recorded line in its entirety. The caller then proceeded to ask me questions over and over, seemingly, in an attempt to frustrate me. I suggested that he take a moment to listen to what I stated and told him I was disconnecting the telephone call because it appeared he was harassing me at this point.
The second call was from someone again stating he was with Portfolio Management and threatened to file charges against me and send me to jail. I then informed him that the debtor 's jail has not been in place for more than 25 years and that this was a form of unfair practice. I also informed the rude and aggressive gentleman that there is a certified letter the company has in its possession requesting validation of debt with a cease and desist order included. Since this call, I have not been contacted in any form by Westlake Portfolio Management inclusive of a certified letter or package validating the debt.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XX/XX/XXXX an account was opened with Westlake Financial Services , with me as a cosigner to this auto loan.
2.The respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX.
XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " Repossession '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " Charge Off '' status from XXXX Current.
4. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX representing said company reaching out to me to with a claim that Westlake Financial Services filed against me.
5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account.
XXXX. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}.
XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}.
XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX.
9. Now I have been trying to contact Westlake Financial Services in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
|
| 12/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As of XX/XX/XXXX at XXXX I had spoke with someone at Westlake Financial in regards to getting an extension of payment for my auto loan. I was on the phone for 18min 54sec and at the end of the conversation I was read a disclosure that I would have a payment on XX/XX/XXXX. On XX/XX/XXXX I received another call and was told the first employee whom I spoke with on the previous date XX/XX/XXXX, that she had made a mistake of not charging the {$50.00} fee for the extension, so at this time of speaking with this other person I was put on hold while she spoke with a supervisor about the mistake that had been made. Again I was read a disclosure of the next payment being approved for XX/XX/XXXX with no {$50.00} fee. On XX/XX/XXXX at XXXX XXXX I had spoke with another operator and as I was explaining the situation of the past call and he hung up on me. On XX/XX/XXXX I was on the phone again trying to explain the previous call and tried to speak with a supervisor in which I was told I could not and again hung up on by the operator whom I was on the phone with for over 18 minutes. Before every disclosure is read I am told that it is being recorded for quality purposes, so I know they have these recordings and feel that they should go back and hear them. I can not be punished for there mistakes and to me a disclosure being read of when my payment is due can not be violated on there behalf. Even if I am just 1 day past my payment due date I start receiving auto-dialed/robocalls which to my understanding is illegal and against rules set forth by the FCC and I have asked them to stop. Also because of this auto-dialing/robocalling I get phone calls from Westlake Financial in excess of 5-10 times a day usually back to back, The and in some cases outside of normal business hours for my time-zone which is considered harassment. I do have all of the calls logged and keep record of the number of times called per day I do NOT erase my call log. Please assist me in making sure that Westlake Financial, with whom I have my auto-loan with, stops the harassment and makes sure that they treat me fairly regarding our current business matter.
|
| 01/07/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased my vehicle in 2019 from USAuto. Ive made every payment on time as well to collateral and principals. I wasnt aware that USAuto had abruptly closed all their doors for business. I also wasnt aware of Westlake taking over my account. Unfortunately, on August 31st my ca was repossessed by Westlake the company I had no knowledge of. I called the police as I thought my car was stolen, who then informed me of what was taking place. I was able to retrieve my vehicle after paying $ XXXX. I then reached out to Westlake to find out how much would it cost me to pay my car in full and obtain my title. The representative stated that all I would need to pay {$240.00}. Which I comply by paying that amount. I receive a receipt with the amount I paid as well as to a note next it stating Costumer pay off I then followed up the following a few weeks afterwards to make sure that everything was ok since Ive havent received my title in the mail. But it was to my surprise, when I called Westlake they informed me that there was a balance of {$560.00}. I asked them where the additional amount came from and the representative stated they wasnt sure. When I called another day another representative state that it was the principal, another representative would go to say that it was a reverse payment from when I payed back in XXXX. When I reached out to my bank financial institution to investigate that particular transaction, I was told that no such thing happened. I added Westlake to the phone conversation with my bank.. he then confessed that I wasnt reversed. Westlake then stated that after doing their investigation it appears to have been a error on their end and that they would work on getting it resolved and removed from credit. But unfortunately as months passed Ive realized that they have not done anything to redo this issue.. despite the fact that I have several recorded conversations with Westlake stating that theyre working diligently to get this removed and that it should be removed from my account within the next 48 hours. Well that was 3 weeks ago and Im still waiting for Westlake to correct their wrong
|
| 06/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am filling a complaint on Wilshire consumer Credit address XXXX XXXX XXXX. # XXXX XXXX XXXX, ca XXXX Number- XXXX. I have been contacting this company to prove the validation of this debt under section 1692g. and they have yet to do that. They are reporting this debt on my credit and that is identity theft and at this point im able to sur under section 1692 up to 1,000 dollars for each fraudulent account being reported on my credit and can also get them for unfair practices under the section 1692f also section 1692 d.harassment or abuse and section 1692c. communication in connection with debt collector. They are very rude and disrespectful to consumers and I can prove everything im saying with voice recordings from them directly that I have recorded. They hang up on consumers, they threaten consumers, they talk over consumers while the consumer is just trying to get information on the so called debt in their names. This is against the law under the Equal credit opportunity act and fair debt collection practices act. I have asked this company to cease contact with me because this account they have was did fraudulently and they are still contacting and harassing me. They have not provided me with the original documents that was made on this account I would like copies of all documents they obtained in making this false debt. That is the law and they are required by the law to provide this information and have not. They are breaking the law!! When I called to see what was this in my name they then changed the information on this account to my real information when I first called because I was unaware of what the debt was and gave them my address so they could send me the binding contract with my signature and my identification and instead of them sending me the information they are trying to get more of my information so they can add it to this fraudulent account that is not mines. I want this account out my name and all information on it or I will be pursuing a lawsuit under these sections which is my right and I should actually do now because I have given them the 30 days as the law has stated I can
|
| 10/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a email on XX/XX/XXXX from Westlake Portfolio Management about a car I got on XX/XX/XXXX, I asked Westlake if they had any of the orignal documents from Us Auto Sales also known as USASF and if they had the amount they sold the car for at auction but they said they didn't have either of the documents. I explained to them that I voluntarily repossession for the car and never recived anything from Us Auto Sales about how much they sold the car for. I was told to call them or go by there office but all of the Us Auto Sales are closed down so no one is in the offices at all and when you call the number to Us Auto Sales it redirects there number back to Westlake Portfolio Management. They were wanting me to get receipts on where I paid but because Us Auto isn't open anymore there website don't allow you to login to get them. The person at Westlake Portfolio Management was acting like they were wanting me to pay, because the lady said if I didn't pay they were going to put it on my credit, and I advised them that USASF had a law suite . Us Auto Sales never done what they were suppose to because when I and my Husband signed the paper work we were told that we would be paying a little more to have a warranty on my car. From day one we had issues and lots more after that, the shops they have you go to didnt even look like they are certified to be doing work on cars, and we had aproblem with the car where it was a hazard to be drove on the road and I advised Us Auto about this but they didn't want to send the info they were supose to in order for you to go to a shop to get it fixed. So due to me having medical issues my husband called the toll free number for Us Auto but it went to the company that was taking payments and my husband had to call them for over a week for some one to come and get the car because it wasn't doing us no good, and Us Auto never gave I or my husband a paper for us to sign because we voluntary gave the car back because from what I was told was they were closed already. The amount Westlake Portfolio Managementare saying I owe is {$14000.00} but would take {$2800.00}.
|
| 05/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
ON XXXX XXXX XXXX WESTLAKE FINANCIAL REPOSSESSED MY XXXX TOYOTA CAMRY. I WAS ONLY ONE PAYMENT BEHIND OF {$350.00}. MY WALLET ALONG WITH MY BANK CARDS, LICENSE, CASH, CLOTHES AND OTHER PERSONAL ITEMS WAS I N THE VEHICLE. THEY ( WLF ) TOLD ME THAT I HAD TO PAY {$50.00} TO RETRIEVE MY VALUABLES. I HAVE TRIED TO TALK TO THESE RUDE AND UNPROFESSIONAL REPRESENTATIVES TO RESOLVE THIS MATTER. THE LAST PAYMENT I MADE WAS ON XXXX XXXX XXXX. PRIOR TO THAT IT WAS XXXX XXXX XXXX. I SPOKE WITH AN REPRESENTATIVE ON XXXX XXXX XXXX. I WAS INFORMING THIS COMPANY OF NEW EMPLOYMENT AND TRIED TO EXPLAIN THAT I HAD A WAITING PERIOD BEFORE I GET PAID. WHICH I GET PAID MONTHLY. I ALSO INFORMED THE REP THAT I CA N'T RECIEVE CALLS ON THE JOB. AND THE REP SAID WE CLOSE AT XXXX AND I TOLD HIM THAT I GET OFF AT XXXX. HE SAID THAT THEY WILL BE CLOSED WHEN I GET OFF. THE REP. SEEMED NOT TO CARE ABOUT THE SMALL LITTLE HARDSHIP I WAS GOING THROUGH STATING ITS NOT THEIR PROBLEM. I WAS INFORMED TODAY BY A REP THAT I CALLED THEM BUT THE CALL WAS NOT MONITORED OR RECORDED. ON XX/XX/XXXX I TOLD THE REP THAT I GET PAID XXXX XXXX XXXX WHICH I WOULD MAKE A DOUBLE PAYMENT {$700.00} THAT WILL MAKE CURRENT. AND HE SAID HE WILL CALL ME AT XXXX. WELL XXXX XXXX MY CAR WAS REPOSSESSED AND HE DID CALL ME ON XXXX XXXX FOR THE PAYMENT. THEY WOULD N'T TAKE THE PAYMENT OF {$700.00} AND DEMANDED ME TO PAY {$1100.00}.
WESTLAKE STATED THAT WHEN THEY REPOSSESSED MY CAR, THAT I CA N'T MAKE PAYMENTS VIA DEBIT CARD, AND THAT I NEEDED TO FAX A COPY OF ID, XXXX REFERENCES AND SOMETHING WITH MY ADDRESS SINCE I DONT HAVE ANY BILLS EXCEPT THIS IN ORDER TO RECIEVE MY CAR. FROM MY UNDERSTANDING THEY HAVE DECIDED TO TAKE MY CAR HUNDREDS OF MILES AWAY AND AUCTION IT OFF TO GET THE MONEY THAT IS OWED ( XXXX ). WITH THAT SAID, THEY ARE MAKING IT VERY IMPOSSIBLE TO OBTAIN MY VEHICLE. ITS VERY HARD FOR ME GETTING TO WORK, TAKING MY SICK WIFE TO THE DOCTOR, DROPPING MY KIDS OFF AT SCHOOL. PLEASE HELP ME RESOLVE THIS MATTER. I HAVE ENCLOSED A BANK STATEMENT FOR XXXX XXXX. ANY OTHER DOCUMENTS NEEDED CAN PROVIDE. THE CONTRACT IS IN THE CAR. SORRY FOR ANY INCONVENCE.
|
| 07/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I purchased a car from US Auto sales in XXXX Ga in XX/XX/XXXX. Was making my payment until XX/XX/XXXX I went on the link to pay online and the link did not work. I went to the website and it did not work. I could not get in touch with them so I checked my email to see if I had missed anything. The only correspondence on the matter was them denying the closure of the dealership stating that it was only temporary. That email was sent in XXXX but either I missed it or it was in junk mail. I started getting calls from Westlake Portfolio management requesting payments on the vehicle. I had no idea who they were as I did not buy my car from them and had no agreements with them. I asked for them to send me something official like a new contract. They would only send a bill and said there was no new contract. I felt there has to be a new agreement for me to sign if I am to now pay them. I logged into a link they sent me for the account. The balance was wrong, there was no past payment history and they are adding daily interest onto the loan which already includes interest and a service agreement they say they can't honor nor will they take off that amount. They are not lien holders on my vehicle says the dmv. They have repossessed my vehicle and sent me a letter saying that I broke the agreement and they are selling the car. If they don't make enough to cover the amount owed, they say I will still owe the remainder. I feel the whole situation is wrong. I never entered into an agreement with Westlake. The terms of my US Auto contract was not the same as Westlake. The starting balance on my vehicle according to my credit report was {$19000.00}. I paid {$200.00} every two weeks from XXXX XXXXand they said my balance is still over $ XXXX does not add up. My complaint is with US Auto Sales and Westlake Portfolio Management. After they picked up my car they gave my husband and I both wrong phone numbers to the tow company so we could get our personal belongings out of the car. I had to call the police department and they gave me the number to the tow company and I am now able to pick up my things.
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| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I have had worst and bad experiences with Westlake Financials and the used car dealer worst companies ever, In XX/XX/XXXX of last year illegally they repo my car from a private parking, at XXXX XXXX XXXX XXXX where Local securities and police intercepted, and i have had the agent from Westlake on line informing the towing company to drop the vehicle but i was informed once hooked they will need to drive away by the police and the Westlake agent " a ripe off artist '' informed not to worry was an error car will return the same morning, but never did and ended up in a repo yard forced entry messing with private and personal belonging, damadged the car estimates close to 2500 , they did not allow me to pick up the car only after the weekend when i needed to pick up the car only following Monday with damages, i immediately informed the yard and the police before pick up, Police informed i need to file a small claims court which i did since the tow company damaged my car, i have brought to a repair shop and got myself an estimate, but lost for a fabricated or fraudulent document indicating that i have signed and received the car with no damages, the yard informed me to sue them they don't care, i lost the case Judge informing that it was an expensive lesson to learn, now since then i call to pay off the car they do not return my calls i have had a balance of XXXX XXXX the legal rep of westlake financial the biggest lier " XXXX XXXX '' i think ever i have seen promised that as soon as he returns to his office will adjust the pay off and remove the fees and authorize the payments to be collected, ever since they do not return my calls been 6 months until i have called 10 times in a single day, now they tell me it's XXXX with recurring interest, now they tell me they have charged off the vehicle in XX/XX/XXXX and massively damaged my credit report, i need your assistance to deal with these fraudulent act and rip off charges, I am not able to settle and cant get my Title, contacted DMV investigation no help, contacted others but no help each department informs to contact the other
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| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a credit card with XXXX, when they went out of business they transferred all of their accounts ( Good standing accounts ) to XXXX. They have been a nightmare and operate in a disgusting manner with lies and fraud. My account was set up for auto pay when it was transferred I was not aware as XXXX sent a letter to my previous address. I first learned that they had the account when they dinged my credit for non payment. I disputed the charge and contacted them and found out that they took over XXXX accounts. I let them know I did not receive the transfer letter and I would pay the past due amount as I was unaware this was not being autopaid. The supervisor said they would wave the late fee 's and I would be back on track. They never waved the fee 's. Then I set up auto pay with them ... it took 2 months to kick in. So i speak to another supervisor who says ok we will wave this late fee... they never did. I spoke to supervisor after supervisor and received 100 's of harassing calls when my account should be in good standing and they are ruining my credit history with lies. They even say on my credit that I am late and have an auto loan. I reported XXXX to the XXXX XXXX XXXX and after much back and forth XXXX finally agreed to fix their mistakes. However instead of this being fixed, it continues to be reported as late on my credit report. I have not been able to refinance my home because of this and I have had my existing creditors reduce my limits because they believe I am defaulting on my obligation. I disputed the issue with the bureaus but they continued to return it to me verified. I have been hurt tremendously by this companies false reporting. I am suffering extreme XXXX behind this fight I have endured with this company. I am now on XXXX because I dont know what else to do to fix this. They are costing me my health and my financial well-being. I am scared my other creditors will drop me because of this misreporting that this company will not fix. After they said they would fix it, they still reported me late. Please help me.I have included the letters from the XXXX.
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American, Servicemember |
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I have purchased a total of four cars through U.S. Auto and I've maintained an impeccable repayment history. In XXXX of 2023 I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it.
I received a notification in XX/XX/2023 that U.S. Auto was closing all 39 of their locations until further notice immediately. I received a notice from Westlake Portfolio Management that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. Westlake portfolio has zero information to offer concerning U.S. Auto. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach US Auto at this point. They literally informed their XXXX office staff to complete what they were working on and leave the building.
There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if Westlake portfolio can't get their required tags, how will I get my title?
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| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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I have a vehicle financed by Westlake financial. The vehicle was in a wreck ( not our fault ) on XX/XX/XXXX. It was not drivable and the police had it towed to XXXX XXXX in XXXX XXXX, La. It took XXXX weeks to get a police report so we could make a claim. XX/XX/XXXX we get a claims adjuster through our policy with progressive. XX/XX/XXXX we call XXXX XXXX to release the vehicle. We were then informed the vehicle had been picked up by the lien holder! After numerous phone calls we find out where the vehicle is. We call them, XXXX XXXX, and told the vehicle had been picked up as a REPO! I didnt even have a payment due at the time. After HOURS AND DAYS of calls to Westlake and being hung up on more times than I can count, we finally get a release so progressive can get the vehicle to a collision center. XX/XX/XXXX the truck was deemed a total loss. XXXX then sends the info to Westlake to get a LOG to pay it off and we had {$1400.00} in repo charges! I have never in my life talked to people as rude as Westlake. Not XXXX person in XXXX speaking and the notes on our account seem to disappear and change based on each phone call. As my car was at the collision center, more than XXXX agent told us the car was in transit to an auction yard to be sold! I have spent more than XXXX hours a day multiple days trying to get a resolution to the illegal repo of my vehicle. Not XXXX person will even listen or understand. In order for my insurance to try to close this out, I paid the {$1400.00} in repo fees XX/XX/25.. Now we cant get anyone to send in an accurate payoff. This has been the biggest nightmare and is far from over. We have left numerous messages and have tried everything we know and it has been a dead end at every turn. They did advise that they could pickup and repo the vehicle with no notice to us and again this was not a non payment issue. They are claiming its an abandoned vehicle that was impounded. No..that is not at all what happened. Please help us in any way you can. This can not be legal and Im trying everything to not have to turn this over to a lawyer.
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| 08/15/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I am writing to initiate legal proceedings against USA Auto Sales, a car dealership, for breach of contract and significant damages caused by the sale of my contract to West Lake Portfolio Management, a debt collector, without my consent. Additionally, I am also requesting a copy of my title and to be added as the lien holder of this vehicle.
Factual Basis : As per our agreement, I purchased a car from USA Auto Sales, on XX/XX/2022 and I made payments according to the contractual terms. However, without my consent, they sold my contract to West Lake Portfolio Management, which was not stated in the contract. Moreover, upon contacting West Lake Portfolio Management, they confirmed that they did not have a copy of the contract in their possession. Unfortunately, when I attempted to contact USA Auto Sales on this situation, I soon found out that they went bankrupt.
Legal Basis : USA Auto Sales failure to notify me of the sale of my contract to West Lake Portfolio Management and failing to state it in the contract constitutes a breach of our agreement. Additionally, the unauthorized sale of my contract caused significant financial hardship, including aggressive and questionable activities by West Lake Portfolio Management. These actions demonstrate that USA Auto Sales acted negligently and in bad faith.
Monetary Compensation : I am seeking monetary compensation for the damages caused by the unauthorized sale of my contract, including the hardship caused by the aggressive debt collection activity of West Lake Portfolio Management. I am also requesting that the Court intervene to request a copy of my title and to be added as the lien holder of this vehicle.
Based on the above, I hereby request that the Court permit this legal action against USA Auto Sales for its breach of contract and the damages I have suffered and continue to suffer as a result of their actions. I believe that they should be held accountable for their behavior, and I request damages to the maximum extent allowed by law.
Please contact me if you require additional information.
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| 06/03/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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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.
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| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I entered into a contract with US AUTO SALES on XX/XX/XXXX for a XXXX XXXX XXXX. I saw on the news the company closes not knowing where to go for additional financing who to call. The last conversation I had with US AUTO SALES I updated my contact information which is my phone number and a relative address because I reported staying in hotels with my kids and was told a portion of my loan will be deferred. I actually got an email from Us Auto sales XX/XX/XXXX saying my deferment was approved. I got an email from a new company westlake financial and tried several times to reach out to them to gain clarity no answer from the company. The email sent says no reason to call just make payment by creating an online account when trying to create and online account I could not because my contact information was never updated. Everytime I reached out to westlake the phone rung for a long time and when a person finally picked up the phone they immediately hung up the phone. Now today my car was finally repoed and when pressing the option for repression I was able to talk to some one who told me I had to pay $ XXXX today to get my car back. Admitted to not having proper contact information to contact in the matter but Im still out of my car I paid for in the last 3 years. I offered to pay {$800.00} today and in two weeks to retrieve my vehicle. I also asked the tow company who took my vehicle so that I can retrieve my personal property inside the vehicle was given a number that I called all day no response. I have another phone that was inside the car at the time of tow which I was able to track the location up until the phone died which led me to a sheriff station where the tow truck rode by which told me near by repo yards in that county. Although my car was not at any of those tow yards they led me to call XXXX XXXX ncic to see who retrieved my vehicle. I have still been unsuccessful with collecting my personal property have not be able to speak with anyone else from westlake financial or the recovery company they say they use.
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| 11/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.
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| 09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing.
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity.
Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing.
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity.
Respectfully, - Inquiry date- XX/XX/XXXX XXXX/west lake finance RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing.
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity.
Respectfully,
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| 11/23/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I purchased a XXXX XXXXXXXX XXXX with a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, later discovered it was rebuilt XXXX XXXX XXXX XXXX XXXX. But, I held vehicle for the sake of my large family, a household of XXXX.
XXXX XXXX XXXX received my down payment and financed the remaining balance through Westlake Financial Services The vehicle had many issues but for the sake of having a XXXX to support my entire household, I kept the vehicle and made the necessary repairs.
Then, I started divorce processings in XX/XX/XXXX and was left with only the vehicle. So, I chose to forfeited the vehicle in late XX/XX/XXXX. In which, Westlake Financial, agreed to recovered the vehicle and sent tow truck take possession.
After, the recovery of the vehicle, Westlake Financial continued reporting the loan as active and begin reporting late payments to my credit report for 7 months.
Now, Westlake Financial lodged a lawsuit against me.
The facts of matter is the loan was for {$12000.00} after my down payment with a monthly payment of {$390.00}.
My payments made to Westlake Financial Services totaled {$11000.00}, 29 months of payments before my voluntary forfeit.
Then, Westlake Financial Services sold the vehicle for more than {$1000.00}, which is the remaining balance on my loan.
Yet, Westlake Financial Services is suing me for {$5500.00}.
Westlake Financial Services falsely reported the loan as active and made false report to the credit bureaus stating the implying I still had possession of the vehicle and failed make my payments.
All this after, Westlake Financial Services had full possession of the the vehicle, after my voluntary forfeiture, and sold the vehicle at a profit of the total loan of {$12000.00}.
Yet, Westlake Financial Services still felt it was necessary to fill a lawsuit for {$5500.00} In my heart, I know the is some type of violation being committed by Westlake Financial Services.
Im hope there is some type legal remedy stop this abuse by Westlake Financial Services
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| 06/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In accordance with the Fair Credit Reporting Act, Westlake Financial SVC : Account # XXXX, has violated my rights.
This company continues to report a 30 day late payment to XXXX, XXXX XXXX XXXX from XXXX of 2018.
My account was reported closed in XXXX of 2018 through XXXX XXXX XXXX. I sold this car in XXXX of 2018.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these written instructions. & also.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
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| 09/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2023, I attempted to make my car payment through the West Lake Financials website. Due to the website was not accepting my payment at the time, I tried again to avoid my payment being late. On XX/XX/2023, I received XXXX emails saying that my payment had been processed and given XXXX different confirmation emails. To avoid having my account overdrawn, I contacted both Westlake Financial and Bank XXXX XXXX.XX/XX/XXXX XXXX suggested to avoid my payment being late, to contact Westlake Financial. I contacted Westlake Financial on XX/XX/2023 at XXXX PM EST. I was told by the first employee that they were unable to see on their system that they had processed my payment XXXX extra times. I requested a supervisor and was on hold for XXXX minutes. I hung up and called back immediately. The second employee I spoke to informed me that he did see the payments. I requested to speak to a supervisor when I was placed on hold for another XXXX minutes. When the employee came back on, I was told that he had canceled the extra payments to avoid my bank account being overdrawn. On XX/XX/2023, my account was overdrawn with a total of {$2800.00}. My car payment is {$700.00}. On XX/XX/2023, I called Westlake Financial to be told that they could only refund XXXX payment at a time and I would have to call again the next day, Monday, and Tuesday to be refunded each of my payments. I asked to speak to a supervisor and was told that they were unable to be reached, I was on hold for XXXX minutes until the employee hung up on me. I again immediately called back and asked for a supervisor. I was placed on hold for another XXXX minutes before speaking with a XXXX, XXXX. I made the XXXX, XXXX, aware of all incidents that had occurred and demanded the refunds be processed all at once. She then placed me on hold. When XXXX returned to the call, she informed me that she has processed the return for the XXXX payments that were not supposed to be processed. On XX/XX/2023, XXXX claims she returned my payments.
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| 07/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
|
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Web |
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i have been fooled by a shady financial institution, and they dont stop calling me, they are a financial institution that loaned my car and when i halted my payments, they towed my car, i have been paying my car for one year on a wrong social security number, that s why i stopped paying, but they were not correcting it even though i sent them the necessary documents such as copies of my ssn card and passport and my XXXX XXXX XXXX Card. i spent on lawyer to help me but they also gave him a hard time till he had to tell this company that he was going to call the police, i spent {$1200.00} on lawyer s fee and when they corrected it, i was reinbursing it but they said they do not do such reinbursement and they have told me that they already pulled my car, my concern is as follows : 1. if i applied for a bank loan or a job, can i put my name with a different social security number? it will not match or it will come out an error, right? 2. why didnt they want to correct it? 3. how did they manuever in having my name in a false ssn? 4. they run my correct ssn when i applied for the auto loan, so indeed they had the correct social security number, why did they input a different number? 5. this is a fraud transaction 6. they falsely destroyed my credit profile, 7. every single payment i made monthly, they never emailed or send in the mail an official receipt. 8.since this is a fraud transaction, i demand them to return all my car payments, including my downpayment and my lawyer 's fee. 9.they have a judgement conviction in New York with the Dept of Consumber Affairs handled by Ms. XXXX XXXX and XXXX XXXX , https : XXXX, just wondering why no one can help me in this matter? i have filed complaints with XXXX, Dept of Social Affairs and Consumber Report to the FTC i will appreciate if i can be heard on this matter, i have tried so hard to communicate with the different government agencies for help including Dept of Social Oversight and this has been ongoing for 2 years now! please help me..
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| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ny XXXX Date Of Sale : XX/XX/XXXX Westlake Financial Acct # : XXXX Westlake Customer Care XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Executive Offices Mr. XXXX & Mr XXXX Thank you for all your assistance in this matter. Please consider this letter to be the first attempt to rectify the credibility of the sale of the XXXX XXXX XXXX XXXX taking place Tuesday, XX/XX/XXXX.
The Current status of the loan is repossession, Due to a payment error. Westlake Financial states that funds were not received in a timely manner, although I authorized payment. I am not experiencing any curtailment of income to cause a discrepancy of this sort. ( MISSING PAYMENT ). Please review to reconsider the details of this matter.
On XX/XX/XXXX during a phone call wirth Westlake Financial, I authorized payment via customer solutions inbound by providing my card information. However, my bank never received a request for that payment. After speaking with a Westlake representative a second time they verified on XX/XX/XXXX. I noticed the balance in my account had not decreased. The rep informed me of the current status of my delinquent payment. Although they verified I previously spoke with them, they had no explanation as to why the payment was never processed. I reauthorized and reprocessed the payment. To never deal with this confusion again. Automatic payments are set in place to assure future on time payments.. If the payment was processed by Westlake during that phone call, the payment would have been 6 days late, not 10. As per your contract it states if the first payment is late, there would be a 10 day grace period for submission along with a late fee.
Please consider carefully reviewing and exhausting all efforts to rectify this account. As this seems to not be the best car buying experience. I trust that your team is dedicated to servicing your clients. Looking forward to a formal follow up.
XXXX XXXX XXXX
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| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXXXXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXXXXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use.
I then called Westlake Financials Analyst XXXX XXXX. He said he couldnt do anything for me and he only deals with the dealership and said not to call him. I get it. But hes the Companys agent who personally saw my information, used it, and gave me nothing for it.
|
| 10/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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It's XXXX again, I reached out to Westlake Financial Services regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX XXXX which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. XXXX on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently XXXX has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask XXXX to do according to the on going investigation being conducted by the California State Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by XXXX, since the Corporate office is located in XXXX XXXX, California. Westlake Financial Services has denied asking XXXX to collect money for them as a XXXX XXXX. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California XXXX Attorney XXXX XXXX has XXXX ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and XXXX is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against XXXX since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired .Westlake Financial Services XXXX XXXX XXXX as Charged-off and account closed. XXXX and XXXX has already removed he XXXX from XXXX XXXX XXXX. According to Westlake Financial Services has never asked XXXX XXXX to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.
|
| 07/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American, Servicemember |
|
I purchased a used car XX/XX/XXXX financed through Westlake Financial. The car was repossessed in XX/XX/XXXX. I did not get any paperwork saying the car was being sold nor did I receive paperwork saying the car had been sold and that I owed the balance. I recently was shown multiple violations to my auto contract and requested a copy of my contract from Westlake Financial XX/XX/XXXX and a week later, that's when I was served a citation through District court saying I owed. I do feel this was a adverse action but according to our signed contract, per the Westlake, we must go through Arbitration and not the courts. I filed a motion to dismiss and compel arbitration - no waiver of rights. I will show that his contract is subject to the Truth In Lending Act, and that Westlake is a creditor as defined in 15 U.S. Code 1602 ( g ). The term finance charge refers to the total of all charges, as defined by 15 U.S. Code 1605 ( a ). The finance charge, according to15 U.S. Code 1605 ( a ) ( 2 ), is supposed to include the Service Contract Fee and these charges were not included but charged additionally. The finance charge does not include cash comparables. I was charged a down payment in the amount of {$2500.00} Charging a down payment where no cash should have been included is a violation of TILA. This is a violation of 15 U.S. Code 1640 ( a ) for failing to comply with TILA. I was told that I must have insurance to take possession of the vehicle but it says in 12 CFR 1026.4 ( b ) ( 8 ) that property insurance is required, and because it is required it was supposed to be included in the Finance Charge. It was not included in the Finance Charge therefore you, the Creditor, violated U.S. Code 1605 ( c ). It is clear that Westlake Financial would be held liable under criminal liability in the court of law in accordance with 15 U.S. Code 1611 ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by the Truth in Lending Act.
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, westlake financial ( original auto loan lien holder ) and XXXX XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed.
When I have spoken to XXXX XXXX, and XXXX 's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to Westlake Financial to verify. They said to contact Westlake. I have contacted Westlake and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again.
The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.
|
| 05/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
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.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from Westlake Financial advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. XXXX, however, though no freeze had occurred since XXXX, showed a hard inquiry from Westlake on the date on XX/XX/XXXX. Westlake had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my XXXX report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to Westlake Financial and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX XXXX in collection by XXXX {$100.00} has not respondedXXXX XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
|
| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, SC XXXX. Included in my loan contract was a specified amount of {$2700.00} for a 2 year warranty that would be included in my bi-weekly car payments. After the 2 years were up, it was communicated that my payments would go down. On XX/XX/XXXX I received an email from Westlake Portfolio Management that they were my new service provider and that US Auto Sales closed down XX/XX/XXXX. After speaking with Westlake multiple times, I have been advised that US Auto Sales sent over my contract to include the warranty price ; the warranty is no longer valid but I still have to pay for the price of the warranty with my loan. When asked if the warranty price can be removed from the loan to lower my bi-weekly payments, they advised it would not be possible AFTER already being told by a Westlake supervisor that my payments would go down and they would take care of it. On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX to see about refinancing my auto loan. I was advised by the bank that my car is only worth {$11000.00} and my total loan amount was {$21000.00} so I was severely overcharged for my vehicle. Westlake Portfolio Management did not take over the warranty so I am stuck in an upside down contract due to promises made by XXXX XXXX XXXX that were never fulfilled with no warranty on my vehicle. I am now having mechanical issues with the vehicle with no warranty and am still obligated to make my bi-weekly payments ; due to financial reasons I may have to voluntarily surrender the vehicle which will affect my credit because I can not afford to pay for the repairs and the car payments. I have an open case with SC Dept of Consumer Affairs but all complaints about XXXX XXXX have been suspended until they can advise of next steps. As of today XX/XX/XXXX, I have voluntarily surrendered the vehicle and now am in even more debt due to XXXX XXXX XXXX not handling business properly.
|
| 01/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I called to ask for a temporary deferment as i am struggling financially. My husband is injured and only receiving partial salary which has put the obligations on me that we usually split. I asked for temporary help as he should be returning in two months or so to full time and we will be OK. I spoke to an agent who kept telling me i had no options because my account was current and the only thing i could do if i wanted help was let me account go delinquent. I knew that could not be right so i asked for a supervisor. i then got XXXX XXXX, who treated me like a degenerate, embarrassing me for even asking for this temporary assistance. Initially, he confirmed what the representative had said i could apply for a deferment once my account wad delinquent. i explained i was calling now, XX/XX/XXXX because my next payment is XXXX. XXXX and i pay half the first two weeks of the month and half in the end of the month. If i waited passed XX/XX/XXXX and the deferment was rejected, i would owe the entire amount and be in a worse financial position. also explained in my condition i did not want that kind of stress and may be unable to call in at that time. He made terrible comments to me like " you knew these payment would be owed when you got XXXX '' and " your responsible for 48 months not your husband '' talking down to me making me feel worse about a situation thats already embarrassing. i KNOW my obligations and always pay my bills and called in timely to make sure to take care of this in advance. it is unconscionable that i would have to let my account be delinquent to get any assistance as if i am punished for paying timely and upholding my obligations. I am also disgusted with the way XXXX XXXX spoke to me and he needs to be in additional training and perhaps remember customer service involves human beings. The things he said and the derogatory comments which i recorded to a good customer and XXXX woman were UNACCEPTABLE. no one should ever be treated that way.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Westlake financial and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. West lake and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) westlake have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! Westlake would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for westlake because they got the loan according to 12 usc1431 Also the credit bureaus took westlake financial off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days.
Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for Westlake and the 3 credit bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that westlake and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My vehicle was towed on XX/XX/XXXX at XXXX XXXX. I was not sure why the vehicle was towed because the vehicle was paid off. I purchased the car from US Auto Sales located at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. After XXXX their information, I reached out to Westlake Debt Collection Company and was told I was behind on payments and that needed to pay an outstanding amount if I wanted my vehicle. The information that Westlake provided me with as far as my address was not correct. The address I was told that the vehicle was towed from was located in Tennessee and I have never lived in Tennessee. I was asked for an address, social security number, and other personal information that they did not have on file in an attempt to get specific information to try and attach to the documents that they were emailed to me. Westlake Portfolio has not reached out to me via mail, the email address that they have on file is outdated and the vehicle was towed from a completely different address than what they have provided to me. I was hung up on several times by their representatives and this company is located in California. Westlake portfolio stated that US Auto Sales was bankrupt in XXXX and closed down in XXXX. I was still making payments on this vehicle at that time and up until XX/XX/XXXX. US Auto Sales have not reached out to relay any information pertaining to this matter. I have attempted to access my online account with US Auto Sales to see my payment history and that information is no longer available to be accessed. I have attached my bank statements to show proof of payments because Westlake 's portfolio stated that I have not made any payments as they know of. US Auto Sales has closed out my account and reported it to the credit bureau as a paid-in-full and closed-out account. The information provided to me by Westlake is information the same information I was asked to verify my account with them. US Auto Sales is also the original lien holder.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX.
Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered.
So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX.
I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.
At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.
Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
|
| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, FL that I have had nothing but problems with and was charged {$5000.00} more dollars then the car was stated to be for {$18000.00} in XX/XX/XXXX and my first payment of {$480.00} was not due for 45 days and scheduled XX/XX/XXXX. In XXXX I payed {$450.00} on XX/XX/XXXX and {$960.00} on XX/XX/XXXX for a total of {$1400.00} for 3 months of monthly payments upfront in advance and made sure this was stated properly to the cust service rep I spoke with. On XX/XX/XXXX I resumed my payments and paid {$500.00} which was my monthly payment and to cover the previous 3 months interest. About 1 month ago I went to their app t see what my balance was and realized that the past 5 monthly payments of {$480.00} that I made had not been applied towards the balance and my loan amount and the loan amount was not decreasing at all. I called the company, admittedly very upset trying to get an explanation as to why I had paid {$2400.00} and not one single penny came off of my loan balance. I was told that I needed to make my monthly payments every month. I told the rep that I had, that I had even paid in advance for 3 months and the rep who accepted those payments had clearly understood that. Then the explanation I was provided didnt make even the slightest bit of sense to me and we were getting nowhere. So I asked that he please send me this information explaining the math in writing because I apparently wasnt smart enough to get it but maybe if I saw it physically with my eyes I might then understand. I have yet to receive the requested information and the only information resembling it that I received last month actually stated I owe more then the inaccurate amount that I was given by the rep a few weeks ago. My payment is now due again and since my payments have not only not been applied to but also increased my loan balance even though I have not missed a single month I am now here filing this complaint.
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
Below is the letter sent to US Auto Finance on XXXX XXXX. I have also sent a debt Validation at the later part of XXXX but no response.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX SC XXXX U.S Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I hope this letter finds you well. I am writing to address an inaccuracy that I recently identified on my credit report. After a thorough review of my credit reports, I have noticed that you are reporting an incorrect balance for the following account : US Auto Finance- [ Account Number : XXXX ] The balances being reported by your company to XXXX XXXX XXXX and XXXX XXXX this means the account has not been properly verified. Please delete this account immediately.
It has come to my attention that there is a discrepancy between the balance being reported by your company. This error raises concerns about the accuracy and verification of the account details, especially after disputing the account for several months.
In light of this situation, I kindly request that you take immediate action to investigate and rectify this discrepancy. As per the guidelines outlined in the Fair Credit Reporting Act, it is imperative that accurate and verified information is reflected on credit reports. If the balance reported by your company is indeed inaccurate and unverified, I request that you promptly delete this account from my credit report.
Thank you for your cooperation and prompt attention to this dispute. I look forward to a swift resolution.
XXXX XXXX I have called the number listed on my credit report but the number is not a working number. I am requesting that this information be deleted from my credit report. I am not receiving any response from the company. I am a consumer and my rights are being violated. This company has filed bankruptcy but is reporting inaccurate information. This is not fair and is hurting my credit.
|
| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I cosigned on a car loan in XXXX the loan matured in XXXX the loan was originally with XXXX XXXX and i recently found out on XX/XX/XXXX that the loan was transferred to West Lake PM on XX/XX/XXXX after the maturity date for an outstanding balance. Like i mentioned im the cosigner on the loan. When the loan was with XXXX XXXX they would call me or send a letter if the payment was late so i could fulfill my responsibility and bring the account current. I thought the account was closed since the maturity date had passed, and i didn't receive any request for payments from XXXX XXXX. I applied for a construction home loan and was surprised when i was told about several late payments that were on my credit report. I filed an complaint with cfpb and West Lake PM suggested that i file an identity thief claim but i was advised to dig deeper by legal council. I finally called West Lake PM and after 5 min or so i got a supervisor that was able to tell me what was going on. That's when i was informed that they brought the account and the same terms still exist, the account is past due and thats the reason for the late payments on my credit report. I explained that i have not even been made aware of the loan being serviced by them, they never notified me about anything. The supervisor added another phone number to my file now they have 2 working numbers on file to contact me and agreed to remove the late payments because they had never made contact with me and i had no knowledge about what was going on. Another month has reported and the late payments were never removed. I called them back and a different supervisor told me that no reported information would be changed and if they contacted me or not its my responsibility to find out what's going on with this loan and that West Lake PM is not responsible to notify me that they are even servicing the loan. I don't know how i can pay a installment payment if i don't even know a payment exists. please help
|
| 09/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
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On XX/XX/23, my vehicle was repossessed during pre-dawn hours due to being 1.5 months behind on payments. I called the company that morning to find out what I needed to do to get the vehicle back and established a promise to pay by Saturday, XX/XX/23. However I was able to make the payment early and bring my account to current on XX/XX/23, during a call made at XXXX XXXX. Please note the times listed since they serve as proof that I have done as I was told. I call the number I was given by Westlake Financial, a company called XXXX XXXX XXXX ( ARS ) who was responsible for the repossession. I call this company and they say that they have not received a release from Westlake Financial. I call Westlake back, and after MULTIPLE calls back and forth between Westlake and XXXX, they say that I must wait 24-48 hours for it to go through. So I waited, and now XX/XX/23 XXXX XXXX, XXXX has STILL NOT received a release authorization from Westlake. XXXX tells me to call Westlake, its now been over 48 hours and they still havent released it and it shouldnt take this long. I call Westlake AGAIN, and they tell me that no, a release form was just authorized today and it wouldnt be until MONDAY that I could try again. It honestly feels like they are scamming me and NO ONE CAN TELL ME WHERE MY VEHICLE IS EVEN THOUGH MY ACCOUNT WAS BROUGHT TO CURRENT! And now all they keep doing is telling me " a release has been sent to XXXX XXXX XXXX '' and every time I do, XXXX tells me they NEVER received a release authorization. Westlake and XXXX have me going around in circles for a vehicle I have already paid them for. I have already lost days of work and could possibly lose more, which in turn, believe me, Westlake will be the last bill I'll be catching up on since they'll just take it from me no matter what I do. I mean honestly, how many other companies will repo for being late 1.5 months? I genuinely don't know, since I've never had a vehicle repossessed before.
|
| 12/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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XX/XX/ RE : CFPB Response Account # XXXX Dear Westlake Portfolio Management, I am reaching out to revisit the dispute I filed on XX/XX/, regarding the inaccurate reporting and validation of information by Westlake Portfolio on my credit report. In accordance with FCRA Section 609, I am exercising my right to request details about any item listed on my consumer credit report.
As specified in Section 609, I am seeking verification and validation of all data associated with this account, including notations, dates, and balances, whether reported or not.
Additionally, I am requesting access to the original credit application, documentation related to the vehicle in question, and the signed contract containing my signature from Westlake Portfolio Management.
I request a reinvestigation of this disputed information, and I urge the removal of this account from my credit report with all three bureaus at the earliest. The relevant details for your reference are as follows : 1. Account Information : - Creditor : Westlake Portfolio Management - Account Number : XXXX - Date of Repossession : XX/XX/ - Current Status : The account is inaccurately reported with a negative history and active payments.
I ask that you initiate a prompt investigation into this matter and ensure that Westlake Portfolio Management rectifies this account on my credit report as per FCRA guidelines.
Additionally, I request regular updates on the progress and resolution of this investigation.
For any further information or documentation needed to facilitate your investigation, please feel free to contact me at XXXX or via email at XXXX.
I appreciate your attention to this matter and your commitment to adhering to the fair credit reporting standards established by the FCRA. I anticipate a swift resolution of this issue and the restoration of accurate reporting on my credit profile.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
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Web |
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After I filed a complaint against them with DMV complaint center XXXX XXXX is taking care of my case he is investigation officer from Texas DMV, he recommended me to file a complaint with you guys because it's a fraud case for credit bureau, please read my entire email, the dealership ( motor world licence number XXXX XXXX ) sold me a car back in XXXX XXXX never filed the tax, in XXXX asked me to return the car because there was some issue with the title ( they said ) and promised me to refund my money but when I got there they denied instead refund me they forcely sold me this second car, and never removed the first from my credit that effected my credit badly, and for the second car he sold me back in XX/XX/XXXX never gave me the tags till XX/XX/XXXX was keep saying they have filed the tags it's from DMV making delays, I been to DMV 2 times they said it was filed once and declined right away because the dealer put wrong info about the or no car exists with that VIN, they manager of DMV asked me to file a complaint against this dealership because it seems fraud because these dealerships sells one car twice the title they put in title loan companies to borrow money and physical car they sells to the customers which makes forever to get the tags the story was revealed by DMV, so when I filed a complaint online and XXXX XXXX start investigating and reached to the dealership he immediately agreed to refund me, once I got to the dealership at about XXXX XXXX back on XX/XX/XXXX he started playing again XXXX XXXX is witnessed of all situation, then by XXXXXXXX XXXX his DAD came up with tags, my request is to take action against this dealership and also please help me to return the car and get my refund it's a fraud and miss use of clients credit thanks, they never removed first car from my account damaged my credit until DMV started investigating it, and credit went on repo please help thanks Sent from XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
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USASF Servicing ( USASF ) -- U.S. AUTO SALES. Sent me an email on XX/XX/2023. Advising the business. Basically was not going out of business. Which was the last communication received. By email. I did not receive any notices of any sort. From the company advising would be selling the business. Or any of that nature. I made my last payment on the pathway website. Which established this past XXXX. Which was once an site starting with the name repay. That U.S. AUTO SALES had. Any and all email communication. That U.S. AUTO SALES. have had sent. Mysteriously, was removed from my XXXX account. That's theft. So, they must have used some type of chip. That removed all emails from that specified company. Even payment receipts. Which was asked to be emailed and text. Text messages couldn't been removed From personal devices. But from emails. They have removed them all. At the end of XXXX. I received an phone call. From am company named Westlake. Advising me for the month of XXXX. I would have to send them payment. On behalf of U.S. AUTO SALES. I inquired. About my original contract. And was told they didn't have it and also would not be providing any CPI, GAP, AND OR WARRANTY. I started receiving statements. With an amount listed. Which was not the right amount. I was then asked to send them a copy of what I had. I would not. I didn't agree for them to make alterations to my original car payments and or any other information. They had them started calling me several times. From different number. They had even contacted me. At an relative house. That I had them from. That specified number. They called to. Was not even on file. I ordered for them to contact me only. Once have the original contract. Signed with U.S. AUTO SALES. So, then they placed me on their pertinent Do Not Call List. Then on the night of Wednesday XX/XX/2023. Around XXXX eastern standard time or so. My car was gone. It had been repoed. According to the police dept.
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there.
They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me.
They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
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Web |
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I took an auto loan out from US Auto Sales almost 3 years ago. I remained current until they closed their company earlier this year. After which, Westlake Portfolio Management took over the loan. They refused to send a power of attorney for almost 2 months. At which point they claimed I owed over {$1000.00} in " late fees '' that accrued while I they refused to send a POA. Once received, I attempted to work with them. Requested that they differ these " late fees '' to the end of the loan, they claimed the interest raise on the {$750.00} differed would increase drastically enough that I would own an additional {$5000.00} at the end of the loan. They also claimed I owed over {$17000.00} on the principle of the loan. I told them this was impossible as the total loan was {$20000.00}, and I had been paying for almost 3 full years. Should be at most XXXX XXXX remaining. They said I was wrong. I requested a copy of the contract to validate the amount owed and the interest rate. They refused, and continued to refuse any and all validation or documentation from that point forward. Their customer support team is abusive, and dishonest. When I requested call recordings, they refused again. They have now repossessed my vehicle at this point. I told them I would not pay until they validated the debt, and since they have refused to send any validation, they have now taken my car from me. I have since learned that they are denying titles for other individuals who do pay their balance, as well as double charging, reporting payments incorrectly, or not at all - all on top of attempting to collect on an invalid amount. This is a predatory company running scams on those who do not have good credit, or the means to truly defend themselves against a company like this. They are preying on the people who have the least, and it is disgusting. I was told by an attorney to leave a complaint here, and I hope this makes some kind of difference.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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my husband paid {$220.00} on XX/XX/XXXX Westlake financial services he had to pay via XXXX because they said their XXXX system was down. The payment did not post and they showed up at XXXX oclock in the morning the following day XXXX XXXXand repossessed our vehicle, they took the vehicle XXXX miles from our home and we were forced to pay $ XXXX top of the XXXX not including the XXXX dollars in gas for both vehicles to get where we need to go to bring the vehicle back because they wrongfully repossessed our car and it was even admitted by XXXX different supervisors. They also told us that if we paid the amount immediately that we were able to go down and get the vehicle, but they would not give us the details of where the vehicle is being held until we paid that amount we had to wait XXXX days to get the vehicle after that which we were intern, charged interest and fees for As well. we were also told if we paid the amount almost amounting to {$1000.00} that everything was caught up and no further issues what happened and they credited our account and then took the credit back now they are reporting to the credit agency that our payment is 32 days late, which is severely incorrect and I want something done about this company on our way to pick up the vehicles. I looked up the remarks on the XXXX XXXX XXXX in there are XXXX complaints for the same issue. I have also filed a report with the state attorney generals office whom I spoke with XXXX and he also told me that there are thousands and thousands of complaints with regards to Westlake financial services. They need to be shut down if I have to hire an attorney and file a class action lawsuit and a personal lawsuit to get my money back for their unlawful acts I will. This is not OK and something needs to be done about it as being without my car, put my son who is XXXX health at risk amongst putting us in a financial hardship, which we should not have been put in
|
| 05/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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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.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
|
| 04/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX.
Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this.
I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX.
I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX as positive feedback.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : NOWCOM/WESTLAKE FINANC XX/XX/2021 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b.
I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary.
According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft.
I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}.
Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action.
Sincerely, XXXX XXXX XXXX
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a payment due on XXXX that was set for autopay. I called XXXX to notify Westlake Financial Services that I had a new bank account number and to please use the new one. As shown on the screenshots below every time that I would log in it to make a payment, it would say that I did not have a payment due until XX/XX/XXXX in the amount of {$550.00}. It also clearly game a warning that a payment was in process and asked me if I was sure if I wanted to make another payment. I don't have the money to make a duplicate payment. As a student and full time XXXX driver, I would've made the duplicate payment if I would've known my car would be repossessed for their own mistake or not updating the financial dashboard. Very misleading and borderline malicious how XXXX went about things. In my head without any email notice or phone call, from Westlake Financial ( The Lender ) and the Collections department that is ironically also ( Westlake Financial ), my car was repossessed on XXXX and sold back to the original dealer of purchase. Weird. In addition, at the time of purchase the dealer did not give me an option to use XXXX XXXX or another lender of choice and pressured me to use Westlake Financial which is not surprised. At first when talking to XXXX XXXX at XXXX, he refused to answer any questions and kept referring me back to the dealer as the car was sold back to them in the matter of hours. I personally believe the relationship between Westlake Financial and this dealership is very suspect. On top of this, XXXX has a 15 Day Grace period to make a payment which in this case, they took my recently purchased auto and {$1500.00} hard earned dollars for being 10 days late. I am a full time XXXX driver and this has taken a toll on my quality of life and will require a serious lifestyle change to get my life back. I am in the dispute process and hope that the XXXX can help me with a resolution to get my vehicle back.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a Vehicle in XXXX from Us Auto Sales- Whom I have had several Complaint with the XXXX. The car began randomly shutting off 2 weeks after purchase and continues to do so. 2 Months ago I was told to take the vehicle in for a diagnosis. When I called back to advise what the diagnosis was US Auto was closed without any notice or guidance. About a month ago I found that a new company located in XXXX XXXX name Westlake Portfolio XXXX has my loan and they began demanding payment. I advised them that this was a breach of contract according to GA law and requested a supervisor. I am never provided with a supervisor. I have asked where was my warranty, Title, and contract and they do not have it. They have stated they would provide me with a copy of the power of attorney from us auto and they stated they only have a copy of my Title and it is still in the name of US auto. Each person I speak to places me on hold when I call and ask these question and will hang up about XXXX minutes of me holding - on XX/XX/XXXX I spoke to 3 individuals. The first person requested that I make payment regardless of them not providing me with the information requested and then told me my car my car was up for repossession. I spoke to another gentleman who said it was not up for repo. Lastly I spoke with a supervisor who advised me to speak to the legal department. I call XXXX XXXX at XXXX who states he could not assist me and he did not know why they gave me that department. I have sent emails as well - No response- I wake this morning XX/XX/XXXX and my car is gone- I have always paid my care note. I am a mother of XXXX young people. Today I had to take a XXXX XXXX, the XXXX XXXX. the XXXX XXXX and the XXXX XXXX to get to work. I am utterly disgusted. This company wanted my money with no explanation and also threated my credit. I just need help. I am in no position to purchase a new car. They said I was 45 days past due
|
| 09/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
RE : Right of Rescission Dear Westlake Financial Services I XXXX XXXX original creditor and natural woman/man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX on XX/XX/.
I entered into this contract agreement with XXXX XXXX without : Full disclosure of my rights to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ).
I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.
I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, As I have found several violations and fraud. Notice that pursuant to 15 U.S. Code S 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
In addition, I was given false and deceptive information, As i was informed that a down payment of {$7000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code S 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to ( 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$7000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Best Regards, XXXX XXXX
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Notice to repossess
|
|
Web |
Older American |
|
My vehicle was repossessed last Friday, XX/XX/XXXX without ever being contacted from Westlake Portfolio Management. I came out for lunch and the vehicle was gone. I contacted them and they told me the last time they called me was in XXXX. I have contacted them many times after I saw on the news that American Car Financial was taken over by them. I never received anything from them advising they took over. When i asked, they said American care Financial was suppose to contact their Clients. They had no answer why I was not notified prior to the car being picked up. I have been at a inconvenience, XXXX XXXX, had to walk that day over a mile, take multiple XXXX to get to work and my grandkids not being able to get to their bus stops for school. First they told me, I would have to just pay {$1000.00} and I told them I was going to file a complaint because I have to be notified prior to a repossession and given the right to cure and I was not. Then they said I need to pay {$640.00}, which I paid on Monday, XX/XX/XXXX. It is XX/XX/XXXX and I am still getting the run around with them saying the paperwork is not processed yet. The Repo place just put you on a automatic long hold, XXXX. I have been holding for 2 days. They indicated they have not received anything from Westlake portfolio Management. I just contacted them and was told they will forward the paperwork today and to contact them back later. I have never received a call, email or letter from Westlake Portfolio. I am very angry at the whole thing, they have no regard or answers as to why the vehicle was taken without any contact or notification to me. When asked they go silent and start talking about something else. They should be made to bring it back to me, refund the payment I made and waive payments due to the inconvenience it has caused. they said they were going to send paperwork out today when I called, but its way after the fact..
|
| 04/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, my mother sent me a photo of a letter mailed to my old residence from Westlake Portfolio Management. After reading the letter, which I've provided as evidence, I contacted the phone number listed to ask for verification of the debt and to dispute it as I signed a Release of Settlement in XXXX of XXXX, and had the car returned in XX/XX/XXXX back to American Car Center, whom filed bankruptcy on XX/XX/XXXX. I was released from my agreement after I had to file a complaint with the Tennessee General Attorney for failure to provide a written contract from American Car Center after several attempts. Due to not having a copy of my contract upon exiting the dealer, and having to move for my husband 's work, I was unable to provide proper communication for the car to be returned to TN, and due to the fact that MA does not allow American Car Center to license any leased cars in that state, I returned the car, signed the release of settlement and never heard from the car center again, until XX/XX/XXXX when they sent my account to Westlake Financial. I've called several times, left several voicemails and sent XXXX emails with proof of my dispute of the debt, with no status update or resolution. I've had aggressively defensive reps question whether I'm legally allowed to ask for the original creditor to verify the debt, to some helpful reps who've provided emails and contact info, but as of XX/XX/XXXX I have neither received an answer, update or resolution. I also had a rep falsely list my account as cease and desist on XX/XX/XXXX, when I asked for not such action, and as a result the Westlake claims they can not provide written proof/documentation to me from the original creditor. Considering I had difficulties in receiving my contract from American Car Center, and the resistance from Westlake Financial Services Portfolio management, I felt I needed to submit a complaint for resolution.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Affidavit of Truth Pursuant to 15 USC 1692d- You can not engage in any conduct to harass, oppress, threat, to harm my reputation, or property. Telephone to ring or engaging any portion in telephone conversation reportedly to annoy you.
You continentally called my phone and trafficked my information without my knowledge and invaded my personal property to repo my car. Which is a form of identity theft, wheres my equal consideration?
Pursuant to 18 USC 8- Obligation or other security of united states defined all debt public and private belongs to the USA .
Your phone calls is seen as a threat to me and caused me grief and the feeling of being violated at my own home leading me to a XXXX.
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Law clearly states its a XXXX dollars per violation Under law each excessive phone call is a violation of a XXXX.
I request I receive my car back under conditional acceptance with title Under the Gramm Leach-Bliley Act, a financial institution must provide its consumers with a notice of its privacy policies and practices, and must not disclose non-public personal information about a consumer to non-affiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosures. The act as well requires the commission to establish for financial institutions appropriate standards to protect consumers information Thank You, XXXX XXXX Without Recourse
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| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
Servicemember |
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On XXXX XXXX, XXXX Westlake Financial Services XXXX XXXX XXXX received a notarized letter of recission & notarized Affidavit of truth from me. This letter allowed me to exercise my right to rescind on my contract, pursuant to 15 USC 1635. Its states that there is a 3 day period to rescind on a contract, unless this is not disclosed at time of purchase, then the consumer has 3 years to rescind. This was NOT disclosed at the time of purchase for my vehicle. I recently found out that this put my dealership and financing agency in direct violation of Federal Law. Which is why I sent the recission via Certified Mail. After checking with both companies to ensure that both had properly received the letter, I allowed both parties their 20 days to respond, as state in 15 USC 1635 ( b ). I have not received response from either parties. I emailed XXXX XXXX ; Chief Compliance Officer at Westlake, on XXXX XXXX, XXXX. This email was to make him aware that I was being harassed in regards to my XXXX XXXX XXXX. Which was a direct violation of 15 USC 1692 ( e ), 15 USC 1692 ( f ), 15 USC 1692 ( g ), 15 USC 1692 ( h ). A few hours after this I was contacted on behalf on Westlake by XXXX. I was then told if I did not stop trying to exercise my right to rescind there would be adverse action taken against myself, my account with Westlake, and my vehicle. I tried to explain to XXXX how the laws applied in my situation. I was unable to do so, instead I was abruptly interrupted. XXXX XXXX again warns that if I do not stop trying to exercise this right that adverse action will be taken against me, and proceed to disconnect the call. I am making this complaint because I am not going to stop. I am legally within my right to exercise my right to rescind. I am also legally within my right to start a class action lawsuit against both parties for failure to respond, pursuant to 15 USC 1640. I would like to bring aware
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| 08/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.
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| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I financed a white XXXX XXXX XXXX XXXX in XX/XX/XXXX with a 26.87 % ( APR ) interest rate per year with Westlake Financial Services Bank. The price of the truck was XXXX. I gave XXXX cash and trade in a vehicle XXXX more for a total of {$5000.00} down payment. It was financed for XXXX making 48 payments of {$520.00} My finance charge of APR was {$9900.00} So far I have paid 45 payments for a total of {$23000.00} and 3 remaining payments due in XX/XX/XXXX for a total of {$1500.00} which will be the full amount paid thats in the contract which is XXXX that reads in the contract. For my surprise I called the bank to request a payoff and they told me it was {$3600.00}. I asked them why that amount if I only owed {$1500.00}. They said because wether you pay on time or not they have an extra charge of interest per day for the duration of the loan extra ( I already had paid {$9900.00}. Why another interest extra charge ). With that said, then, what I have in my contract is not true. I will end up paying approximately {$27000.00} instead of {$25000.00} and that is not what my contract reads. In the past 3 days I have been calling them, have spoken to more than 8 agents and until today no one can explain to me where is that extra charge coming from or where does it explain this in my contract. They told me if after I make my last payment in XXXX and meeting the amount completely financed in the contract, I dont pay that extra interest charge they will repo my truck.
I went into XXXX looking for reviews of Westlake Financial Services and the majority of the consumers just like me were complaining of the same problem. Tons of very bad terrible reviews.
Therefore, this is why I am requesting to please consider my complaint and help me find out if what they are charging me is legal or not.
Thank you in advanced, I will greatly appreciate any information that will help me clear/solve this matter.
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| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership.
Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment.
Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems.
Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ...
Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it.
XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population.
Any assistance you could offer here would be greatly appreciated.
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| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have been dealing with this issue for sometime. With XXXX, XXXX and Westlake Financial. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX XXXX.
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender.
On XX/XX/2020 I sent a certified letter with return receipt to XXXX and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will XXXX said that the verified it from Westlake Financial but XXXX didn't respond yet.
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago.
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given.
Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX veteran.
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| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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In XXXX of 2022, I purchased a car from US Auto Sales which was financed through US Auto Financing. During the process, I also purchased a service contract and rolled it into my loan. Now, months later, US Auto has " temporarily '' closed and " sold '' my " loan '' to a Westlake XXXX Portfolio. Well, in all of this transition I've found that I do NOT have a car loan -- the car is leased ( not once was the word lease mentioned to me upon purchasing ). I've also found that the vehicle is NOT a standard XXXX, it's a XXXX vehicle -- which makes my insurance higher. But the absolute WORST part is that now that this company sold my information, the service contract purchased will NOT be honored. And the company pretty much provides us with an " oh well '' and that's that. I filed a complaint with XXXX in which the company simply replied with the fact that they sold the accounts. Hilariously, I received a letter from Westlake confirming that US Auto is indeed STILL my lienholder. With a bit more investigation, I found that US Auto NEVER EVEN PURCHASED THE CONTRACT FROM THE COMPANY WHO PROVIDES THE SERVICE CONTRACTS!!! They LIED and knew it, and STILL had me paying the full amount of my loan. Til this day, I'm paying for a service contract I will NEVER receive. I don't want to have ANYTHING to do with either of these companies anymore! Shame on Westlake for not protecting their customers regardless of length of time being with them, shame on them for NOT investigating the issues they are 100 % aware of. US Auto is fraudulent and Westlake isn't too far behind. My contract clearly shows the amount paid for the service contract ( which is also listed as DEALERSHIP OWNED ), yet I'm being cheated. My contract was very clearly and blatantly broken, I need some kind of resolution! I've been working with a lawyer gathering documents and providing transaction/call dates, I will NOT let this go!
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| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Repossession expense totalling {$3700.00} I have contacted Westlake Financial various times asking for an explanation. My husband had an accident on XX/XX/XXXX and passed away while driving, the vehicle was a total loss. I informed XXXX, my insurance agent and they immediately paid off the car but we did not have Gap insurance and therefore a balance of {$3800.00} remained unpaid ( please see attached payment history ). I immediately called Westlake and they informed me that I could continue making monthly payment until account was paid in full, I have made monthly payments every month since XXXX. In XXXX, XXXX I noticed an " unpaid other fee '' of {$1000.00} I immediately emailed Westlake inquiring about fee, I later received a letter in the mail ( see attached letter from Westlake ) where they explained they were charging me this fee because those were fees charged to Westlake from a third party vendor for removal and disposing of car. In my XXXX, XXXX statement the " unpaid other fees '' went up to {$3700.00} I again contacted Westlake and this time I spoke to XXXX XXXX & XXXX XXXX ( Supervisor ), they both informed me the car was still at an auction and as long as the car was not sold I would continue to pay the monthly fee. I called XXXX & XXXX sent me & Westlake proof ( see attached ) that XXXX had picked up the car in XXXX, XXXX paid whatever was due and XXXX sold the car XX/XX/XXXX ( see attached proof from XXXX ). XXXX XXXX told both me and the representative from XXXX they would escalate the case and I would have an update in 24/48 hours. Last conversation took place XX/XX/XXXX, I have called several times and each time I get someone else on the phone and keep getting the runaround. Westlake said these were third party vendor fees, I asked them for receipt and they said they did not have available. Please help I don't know what else to do.
Thank You XXXX XXXX XXXX
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| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX XXXX Dear To : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
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| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had an account with Westlake Financial Services, a Company base out in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made several dispute on false credit report on my account and some deleted or resolved and I was pleased with the out come.
I noticed that my credit score which was XXXX has dropped suddenly from to XXXX upon checking my report on XXXX, I noticed that Westlake Financial Services has falsely reported that I made late payments in XXXX and XXXXXXXX XXXX XXXX meanwhile this loan was paid off on XX/XX/XXXX with a check. When I disputed report, the company resolved the issues by correcting the deleting the on fair report. Even though the damaged was already done but I was satisfied. A week later, this same company again reported that I did not pay my XX/XX/2022 installment payment and my account was passed due for 72 days. This was again false information. For the particular dispute about late payment in XXXX XXXX XXXX, I disputed it 4 times through XXXX and spoke with Westlake Financial Services more than XXXX times and some of them assuring me that it will be corrected. I have explained to this company that, the report was hurting my plans to get a home for my family. The same month in XXXX, I paid toward my loan on XX/XX/2022 which is evidence in the statements you will find attached. I have made successful payments for more than 2 years without 30 days pass due. Yes, I was not paying on time but I made sure the payments were not 30 days pass due.
I have the data and the record to support my claim. I called this company several times on XX/XX/2022 missing my classes for more than five hours to obtain information on how to file a complaint about the company and spoke with two managers and 6 regular employees and none was able to give me the information I needed. They hung up the phone pretending to transfer the calls.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/2023 I was In a car accident that resulted in a total loss. I had a title loan from Wilshire consumer credit which reports on my credit as an auto loan which is not correct. I owned this vehicle before getting a loan with Wilshire consumer credit yet they have been reporting this as an auto loan. I spoke to a representative on XX/XX/2023 to let them know I was in the hospital and was in a XXXX XXXX with me and XXXX XXXX children age XXXX and XXXX. And asked if I can have an arrangement set up to pay off remaining balance in XXXX. They refused to accommodate me in any type of way and reported that I was late on this payment in XXXX. This is drastically hurting my credit report and I would like this corrected. I asked if I could push a payment to the end of the loan I was told no even though my contracted stated I could. I asked on XX/XX/2023 if they could removed this late payment from XXXX after I paid the full balance off the title loan In XXXX and they also told me no. However in my portal on their website they are reporting that I paid the vehicle off on XX/XX/2023 and I will attach proof how can I paid this car completely off on this date when my accident was on this date XX/XX/2023 this agency is reporting things fraudulently and inaccurately and has been reporting as an auto loan to my credit when I owned my vehicle outright before getting this loan. They are reporting this fraudulently as this is a title loan not an auto loan for purchase. title loans do not report to consumer reporting agencies and they have been reporting as such. I would like this late payment from XX/XX/2023 removed from my credit report as this is inaccurate information. I would also like this fraudulent auto loan removed from my Consumer report all together as this was a title loan and not an auto loan. As for law 15 u.s.c 1681 this is defamation to my character and Credit report.
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| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a INCOME, INcome does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies.
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. XXXX even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.
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| 10/21/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I bought a used car thru Westlake Financial with an interest rate of 22 % and additional insurance I thought it was Gap. In XX/XX/XXXX while driving home something happened to the chasis and I lost control. The car was considered a total loss and paid off thru my insurance. The SUV was valued at {$14000.00} XXXX for a used car and the miles. I continued paying off my car payment of {$500.00} a month. But unfortunately I don't have transportation so I stopped making the payments. These last seven months I have tried working with an outside credit counseling organization so they can have them stop calling me at work at all times and at least making a comprise of lower payments less than 500. According to Westlake Financial I owed them {$3000.00} and now the amount has climbed to {$4200.00} for the difference of the SUV. They valued the SUV at more than {$19000.00} and XXXX valued it at less than {$14000.00}. My car insurance also had to pay the car registration which Westlake Financial also was charging me {$600.00} dollars for interest. I feel bad Westlake has left two envelopes twice at my door. My brother saw them ringing the bell and leaving the envelopes. Their collection calls began with area code XXXX and have made calls in one week totaling 50 calls with voicemails. The caller seems angry in their voicemail. My company pays for my phone and they have warned me that my calls exceed what is costumary for work. I would like for them to stop calling me more than 50 times in one week, to stop leaving envelopes at my door and ringing my door. I would like to make payments of {$120.00} for 3 years. I have no car and still owe the SUV because I was unaware of their tactics of telling me that it included GAP. Please help I don't know where else to seek help. Unfortunately I feel like a fool for not reading the fine print and relying on their word.
Sincerely XXXX XXXX
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| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I arrived at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX fl XXXX to see about a XXXX used XXXX XXXX the car was ok and I had to put down XXXX dollars to finance the car from Westlake financial in XXXX XXXX so I agreed to the contract and I started my first payment XX/XX/XXXX which was XXXX every month on the XXXX my next payment was on XX/XX/XXXX which I paid early on XX/XX/XXXX my next payment was XX/XX/XXXX due to my car being parked in the wrong parking space my car was towed on XX/XX/XXXX and my belongs like my Id and credit cards and etc was in the vehicle so the next day which was XX/XX/XXXX I came to get the car from the tow company when I arrive to the tow company to pay for the car being towed they told me that Westlake financial had XXXX XXXX because they did not want nothing to happen to the car ( which is weird cause I never heard that before ) in the contract it doesnt say anything about if the car was in the pound that they was supposed to repossess it so I called them and I stated that I have a contract with them and it doesnt say anything about repossessing my car because of that situation.when I spoke to Westlake financial about how I wasnt late on payments or that the car wasnt in the pound for no more than 1 day the and how can I get my car back she stated I got to pay the repossession fee was XXXX dollars plus the pound which there amount was XXXX I told them I will not be paying that cause I was not late on any payments in the car was in the pound for 1 day.every time I called they hung up in my face or putting me on hold and when I ask for my belongs out the car my id and my credit cards my kids social security cards was missing when I wanted to retrieve my items even my Registration and titles of the car was gone.I am a victim of fraud they sold my car to the auction without my knowledge and I need to speak to someone from CFPB
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| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to file a formal complaint against Westlake Financial regarding their persistent and harassing phone calls, which have caused significant disruption and potential disciplinary trouble at my workplace. I believe these actions are in violation of my rights as a consumer.
The details of the harassment are as follows : Date and Times of Calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls were made to the phone number associated with my car loan, XXXX, and were initiated by Westlake Financial using the phone number XXXX.
I have previously informed Westlake Financial that I am unable to discuss the matter during working hours due to my employment obligations. On the first call of the day, at XXXX XXXX, I specifically communicated this to their representative. However, despite my repeated requests, the calls continued throughout the day, causing significant disruption and stress.
I would also like to bring to your attention that these calls are not limited to instances when I have fallen behind on my payments. Even when I am only a day late on my payment, Westlake Financial 's automated dialing system contacts me, and on some occasions, the automated message instructs me to wait for an agent. This practice feels excessive and does not align with the rights afforded to consumers.
The relentless and repetitive nature of these calls has not only interfered with my work but has also affected my emotional well-being and caused unnecessary anxiety. I believe Westlake Financial 's actions constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations.
Thank you for your attention to this matter. I would appreciate any assistance you can provide in resolving this issue and putting an end to the harassing phone calls from Westlake Financial.
Sincerely, XXXX XXXX
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| 11/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I took out a title loan in XXXX XX/XX/XXXX for {$4200.00} +/- I actually received {$3500.00} in my account. The rate was 120 % and apr same. Hi and I was planning to pay off quick. I made payments on XX/XX/XXXX {$430.00} ... yes a few days after I got the loan. Is that illegal? Another payment on XX/XX/XXXX in the amount of {$430.00} I was late next couple months but made payments of {$430.00} on XX/XX/XXXX.
They state that on XX/XX/XXXX that I/ the loan accrual {$840.00} I made a payment same day of {$430.00} and they also billed me another {$430.00} of interest. Making it so that no progress while Im under the impression that Im actually paying towards the Intreat so it doesnt double but even while making the payment the pushed more interest - from the look of the file outta thin air.
Then it shows that they billed me again in that same month and I was late. Idk how Im making payments per month and theyre saying I accrual of intreat is 200 %.
At this point while I loss my job which was the reason I took out the loan.. I missed payments XX/XX/XXXX and setup payment plan and made {$50.00} payment on XX/XX/XXXX and they gave me an extension on next payments.
I missed payments XX/XX/XXXX and XX/XX/XXXX then they charged me accrual interest of {$1200.00} on XX/XX/XXXX. Im actually confused by looking at their pdf they sent me with my payment history so this is why Im reaching out. You will see that even tho Im making payments theres intreat accruing ontop of my payments and for the last 7 months you can see on pdf that after each payment they put intreat ontop then charge taht to my account after I pay. Im stuck I want to payoff this loan but want my fair payoff and not tacked on intreat fees. There is no clear outlined of principle payments vs interest payments. In the pdf you can see intreat being changed and added but principal balance never changes.
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| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. One was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous lien holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with US Auto Sales as they will not be offering the warranty coverage and they did not have any proof of warranty for us but will continue charging us the full payment including warranty cost. When transferring our account to Westlake, US Auto Sales did not include the down payments or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer. After doing research we also found that XXXX ( the warranty company ) spoke to WL in regards to the warranty and payment included in our service contract with no solution. The contract was breached when it was written with US Auto as we were told it was never funded even with us making payments.
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| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed.
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused.
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance.
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement.
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.
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| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Western Funding Inc is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Western Funding Inc, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Western Funding Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Western Funding never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
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| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a XXXX XXXX XXXX on XX/XX/XXXX from US Auto in XXXX, FL and kept my payments up to date. On XX/XX/XXXX, a motorcyclist tried to fit between myself and another car at a high rate of speed and had to drop his bike. It flew up underneath my car causing approximately {$11000.00} in damage and my car was determined to be totaled on XX/XX/XXXX.
My personal insurance company, XXXX XXXX, paid their portion for the car and now own the totaled car. I had called US Auto on XX/XX/XXXX and I let them know I was involved in an accident. I called again on XX/XX/XXXX to inform them that the car was totaled, and, to my surprise, I was transferred to Westlake Portfolio Management. I received an email on XX/XX/XXXX stating that US Auto is no longer in business as of XX/XX/XXXX. This means I should have been able to make contact with someone at US Auto from XX/XX/XXXX through XX/XX/XXXX, and I was not able to reach anyone except Westlake Portfolio Management ( WPM ).
I began working with WPM to get my GAP insurance paid and my warranty cancelled. They had told me that they do not work with warranties and GAP just total loan amounts. I eventually found out that US Auto did not make any payments to the Warranty company since XX/XX/XXXX. And my policy was cancelled as of XX/XX/XXXX. The total amount of the warranty price was {$2900.00} plus any interest on this amount.
The GAP insurance paid a very minimal amount due to being overcharged for the car. I now have {$3500.00} remaining to pay and I have not been able to get another car, as I am still making payments on a car I no longer have.
I have continued to pay my payments to WPM since the date of the accident in a timely matter, with the exception of the last payment that arranged to be paid 9 days late.
PLEASE NOTE : A portion of the matter has been resolved with the warranty company.
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| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I bought a used car from a Dealer in New York called XXXX XXXX ( XXXX XXXX ) and it was financed through Westlake Financial with head office located in California. After I took the car home, I found out there were multiple issues and we started going back and forth which resulted in Arbitration under New York XXXX XXXX. New York State Arbitrator ( Attorney General Office ) told the dealer to refund us our Money in XX/XX/XXXX and send us copy of the documents to mail the dealer confirming the refund. Towards the end of XXXX going towards XXXX, New York State was hit by the coronavirus virus so I had to wait until XXXX to drop the defective car off. I reached out to Westlake Financials and sent them copy of the New York XXXX XXXX in regards to the XXXX XXXX Case with the car and they confirm receipt. I also told them the dealer is suppose to pick up the car and refund us our money and also refund the balance to Westlake. I called Westlake Financial over 20 times and sent multiple emails letting them know the car no longer a belong s to me and they didnt respond. I was told they can not speak with me and they will speak to New York State who is representing me. I got a notification saying Westlake reported my car on my credit was delinquent and past due. I reached out to westlake and they told em theres nothing they can do and I cant speak to anyone. I also searched online and send emails to multiple departments and executives at westlake about the issue and no one responded. The dealer also mentioned that they are working with Westlake. The dealer has the car and we still havent gotten our refund and Westlake is being unresponsive. I also file a dispute with credit bureaus against Westlake and westlake reported that the information was accurate and that Im past due and delinquent which is not affecting my report tremendously.
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| 09/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from a Dealer named XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. This was an online transaction. The dealer provided me with pictures and sent me documents to sign online including a retail installement contract and other documents such as GAP ( which he insisted that hed sell me the car only with GAP ) and agreed to pick up the car the following day.
The following day, Tuesday the XXXX of XX/XX/XXXX I contacted the dealer to make arrangements to pick up the car. He said the car was still being reconditioned and not at the lot yet and to give them a couple of days. After multiple attempts to take possession of the car and physical visits to the dealers offices. I was not able to obtain the keys. The excuse was constantly changing ( needed additional repairs, the car was not in the state of georgia and needed to be transported, the car battery died because it sat too long on the lot, it was get detailed, etc. ). By the end of XXXX the dealership stopped responding to my messages. By XX/XX/XXXX I sent a message to a representative of the dealer to let him know I was not longer interested in taking posession of the vehicle.
I contacted Westlake Financial ( the current holder of my loan ) and repeatedly explained that I never took possession of the vehicle. I got shuffled around and received answers such as that seems like its a problem for you and dealership to you bought the car you pay the loan to you should talk to our dealership compliance department. I have been making multiple attempts to reach someone who is willing to help and Westlake just simply wants to collect rather than deal with the fraudulent dealer.
XXXX XXXX never delivered the car and Westlake should know that without delivering the car the contract is not executed and they should vacate the debt.
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| 09/14/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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i took a title loan again my XXXX XXXX XXXXXXXXback XX/XX/XXXX couple months into the loan i lost my job and wasnt able to pay on the due date. i contacted the costumer service number informed them they told me to pay by a certain date i believe 2 wks from past due. which my mom let me borrow and i paid. mean while they repossessed the car with out notice. then shipped the car from the tow to XXXX XXXX with no notice. when i found out my car was towed or repo, i called police to figure out if stolen or not. but once i found the lot they had my belongings in a bag and charged me {$300.00} to get which i did. i then called the XXXX lot where my car was, they didnt have records of my car being there and would contact me back. mean while there collections dept. was telling me to continue to make payments to them even tho no one could state where my car was. i refused to pay. later i get ahold of customer service ( who is very rude ) they told me the auction and sold my car. i was very upset, i inherited the car after my fathers passing. fast forward, i am requesting documents of the sell and see the total balance after deduction of the sell of my XXXX which was valued XXXX XXXX XXXX $ XXXX. they never sent or replied to my calls XXXX therefore i took my lose and was waiting for the 7 years to past. now when i disputed the total charges on what i owe with the credit agencies, it states i still owe the amount i originally borrowed which is impossible. i no longer want to communicate with the creditor they are rude. the 7 years should be up in XX/XX/XXXX. however, they are saying XXXX of XXXX which is incorrect as well. they are reporting false balances, if anything they owe me the difference of the sell of my car. when i took out the loan i had a XXXXXXXX XXXX, this was a predatorial loan. i still have the contract i signed if needed.
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| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have an auto loan with Westlake Financial. This a loan that was transferred to Westlake from XXXX. At any rate, I felt forced to cut off any verbal communication with them in XXXX of 2017 to where I changed my cell phone number. My payments are due on the XXXX of each month and if the XXXX comes in with no payment yet they would robocall my phone 3+ times a day from several different phone numbers. One time I had even called to give them a double payment after being over 30 days late and was greeted by a very nasty agent threatening to take my car if it were even seen in a grocery store parking lot ... all the while calling them at the time to give them two payments and have the account up to date. I am rarely as much as 30 days late.
I have been trying to make my payment online as I typically do. I 'm assuming they are mad they do n't have a phone number to robocall me at so they have made it so I can no longer make my payment online ; which I 've been doing since I changed my phone number. I click to make the payment, fill in everything and get a message telling me the payment date must be between the date I 've selected ( which is the current date ) and the previous day. If I drop down the calendar to try and make a different date selection the calendar is grayed out and not allowing me the ability to select any dates. I have screenshots of all of this. It occurs despite the total amount I put in as well.
In the morning I will use someone else 's phone and block their number, so they do n't get robocalls, before calling Westlake to make the payment but can this be fixed? This is really unfair to those of us making honest attempts at paying our bills and being prohibited because we do n't want to call to end up getting harassed by the agent on the other end of the phone or having our numbers added to their robocall list.
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| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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In XXXX I got a car from us auto XXXX XXXX XXXX about three weeks of having the car I start having problems. I called us auto to see what my options was on getting the car fixed. The man from us auto advise me to take my car to there shop to get it looked at but the shop has alot of cars right now he will give me a call back with more information on when they can fixed the car. So two week passed by I called only now I'm mad because now he tell me they still have alot of cars. Give him about another week not he would see what he could do to get me another car. Another week pass no call now I call him back now only for him to tell me that he not able to put me in another car because I still owed alot on the car I already have... So at this point I'm stuck with a vehicle that doesn't work correctly and I can't get out the car until I make the payments down. So I looked at my contract and noticed the amount when I got the car was different on the documents. So i called and asked he told me it's entrance fee. That's alot of fees I'm buying two cars in one ... So fast forward to XXXX since then I been paying on a car that doesn't start every time I try to start it. My car jerks when it switch gears the air went out the people can't find where the leak coming from. So I said I'm not calling this time I'm going up there. And when I got there I was surprised no cars and no one in the off. The company close down without any letters or communication to the customers that they was filing for bankruptcy. So now Westlake portfolio brought us Auto out and now I'm trying to deal with them and they clueless on what's going on because there are no documentation on what was going on and I asked for my warranty to try to get my car fixed they gave me a number now to find out the numbers out of service I'm just really lost and speechless right now
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| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Notice to repossess
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Web |
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I have disputed this fraudulent account several times. This has destroyed my credit as a single parent in a rising economy. XXXX XXXX XXXX XXXX XXXX XXXX financer as XXXX XXXX involved up to date customers like myself into a scandoulos scam selling contracts to debt collectors while current, WITHOUT NOTICE, without options just nothing!!!!
WESTLAKE FINANCIAL CAN NOT PROPERLY SEND VALID DEBT VALIDATION SHOWING ME THAT I HAVE SIGNED A CONTRACT WITH THEM, NOR A SIGNED CONTRACT STATING THAT I AGREE TO PAY WESTLAKE FOR ANY VEHICLE.
I FOUGHT 3 ROUNDS OF DISPUTES TO FINALLY HAVE AMERICAN FINANCIAL DELETED FROM MY PROFILE AFTER FILING COMPLAINTS WITH AL ATTORNEY GENERAL. IT WAS REMOVED FROM MY CREDIT ON XX/XX/23 WESTLAKE IS FRAUDULENTLY REPORTING ON MY CREDIT PROFILE AND PROVIDING ME DOCUMENTS FROM A CLOSED BUSINESS WHOM WAS DISPUTED AND DELETED OFF OF MY CREDIT REPORT XX/XX/23 DUE TO THEIR SCANDALOUS ACTIVITIES AND REPORTING. WESTLAKE PORTFOLIO IS A FRAUDULENT ACCOUNT AND NEEDS TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT!
FURTHERMORE, MY LOCAL DMV IS REQUESTING FOR THE REPOSSESSION NOTICE THAT WAS NEVER SENT TO ME BECAUSE WESTLAKE CAN NOT PROPERLY SEND REQUESTED DOCUMENTS TO VALIDATE DEBT NOR HOLDS INTEGRITY FOR HARD WORKING CUSTOMERS.
THE VEHICLE WESTLAKE FINANCIAL REPOSSESSED ON XX/XX/23 NEVER CAME WITH A REPO LETTER I NEED THAT SENT TO ME IMMEDIATELY TO PROVIDE TO THE DMV FOR TAG REIMBURSEMENT COSTS of over {$300.00}.
THIS FRAUDULENT ACCOUNT NEEDS TO BE DELETED FROM MY PROFILE IMMEDIATELY, A PROPER CEASE AND DESIST AND A PROPER INVESTIGATION FOR A CONTRACT UNDER WESTLAKE WITH MY SIGNATURE!
I AM CLEARLY FRUSTRATED AS I HAVE BEEN DEALING WITH THIS NIGHTMARE ALL YEAR LONG WITH MY CREDIT BEING DESTROYED DUE TO SCANDALOUS ACTIVITIES OF AMERICAN CAR CENTER!!!!!!!!!!!!
PROOF HAS ALREADY BEEN SENT IN MY LAST COMPLAINT
|
| 03/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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In 2015, I bought a 2015 XXXX financed by XXXX that was taken over by WESTLAKE FINANCIAL later on.
Unfortunately, services provided by WESTLAKE FINANCIAL are not performed well, it is somewhat predatory for lacking effectiveness and honesty in customer service; henceforth, it is inadequate because I am trying to pay off my loan and can not have anyone to go over real details with me.
All calls placed have been answered by overseas third-party companies that offer a somehow robotic treatment and can not direct my real concerns because they are not culturally prepared to serve customers in the USA, and do not know how to handle issues that are off their manuals. Today, I have spoken to 11 different people from varied departments, and no one knew what to do.
Therefore, I am disappointed because I called WESTLAKE a month ago when a representative told me I did not have insurance in 2015 and had to provide them with a letter from XXXX to prove coverage always existed. The representative also told me that once I had provided them with proper documentation and proof of insurance, I would have U {XXXX} waived from the total loan amount owed. As I was instructed by the WESTLAKE representative, I sent an email to XXXX with the XXXX policy information attached to confirm the insurance proof would act as a waiver towards the predatory total owed to WESTLAKE.
Note that, not only I could not still pay off the loan with the waived fee granted by WESTLAKE, but my total amount has been increasing by the day. This type of business leads people to mental health problems, debt, low quality of life and poverty, not to mention this kind of business procedures do NOT make XXXX great at all. This is a predatory business, with underqualified customer service outside the XXXX who do not disclose information clearly and mislead customers.
|
| 04/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
Servicemember |
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I XXXX XXXX have asked Westlake Portfolio Management of Verification from a supposed debt. I've got a few calls from them and I was a little confused on the issue. I was supposed to get a verification letter from Westlake on the first week XXXX " within 24hours after the call '' that was explained to me. I have never got that information at all. Within the end of that month and also on XXXX I have got a lot of unwanted calls and email 's stating that I need to pay the bill. Also on XX/XX/2023 I have sent Westlake Portfolio a Verification letter. The letter specify what verifications needed to show proof of debt and also states that Westlake Portfolio Management should not call unwanted times to my home nor should they call my job. The letter also states that Westlake Portfolio Management should only give me the information that I'm asking for through my email only. After I have sent the letter to Westlake, In XXXX I have still got several unwanted phone calls to my home and a couple of calls to my job that was embarrassing. I still continue to get emails to pay my bill. Westlake Portfolio Management sent a response but they only sent me a copy of the past loan company that had my loan. I was told from Westlake Portfolio that they were just monitoring the account. But when I checked my credit account I show that the account was transferred to Westlake Portfolio. So I don't know why I'm being lied to. To this day Westlake Portfolio did not give me what I have asked for. Also I have a credit report from Westlake Portfolio on XX/XX/XXXX, I got the copy of my past loan company on XX/XX/XXXX. On my credit report it shows that I owe {$5700.00}. But Westlake billed me at {$6000.00}. I also asked why did they bill me for the extra money.
I have sent PDF paperwork to show what Westlake Portfolio Management have given me.
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
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American car care center filed bankruptcy XX/XX/2023 XXXX weeks after leasing car.
Was promised that windshield would be fixed. Warranty was bought in the lease to cover repairs during lease and that coverage was cancelled with no money refunded or drop in monthly payment.
Oil changes included in lease were also cancelled.
Lease is serviced by west lake portfolio. Eight months we made payments faithfully while waiting for them to produce title and taxes so vehicle can be registered. They can not or will not provide documentation and payment for taxes they keep saying they are working on it. They even stated that we would even have to pay for the tags and taxes over {$2000.00} but that was included in the lease.
Can not get insurance on vehicle because it is not registered to us in Tennessee.we are unable to legally drive the van.
Account was current and we Notified XX/XX/2023 that no more payments would be made and we were voluntarily surrendering the van since they can not produce documentation and pay taxes to get vehicle registered and they need to come pick up the vehicle.
They call everyday several times a day including sundays and demand payment and threaten with legal action.
They stated the voluntary surrender of the vehicle was cancelled because we were XXXX XXXX. We have never been XXXX
Now they state that we are now behind and they can not process the voluntary surrender until payments are caught up.
They are now stating they will begin repossession action and report it to the credit agencies unless we bring the account current.
The lease was made with American car care center but they are locked up in bankruptcy. I do not have any signed agreements with Westlake Portfolio. We have made payments to westlake because they were servicing the American car care loan per the bankruptcy court.
|
| 08/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
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Web |
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I went to the XXXX XXXX dealership in XXXX, MI with the intent to purchase a new vehicle. I was already driving a XXXX XXXX XXXX. I was on time with my payments, and I was under the impression that I would be able to use my current vehicle as a trade in for a new car purchase.
Upon negotiating with the salespersons at the dealership, I was told that my vehicle would be used as a trade-in for the vehicle that I was purchasing.The new vehicle I was purchasing was a XXXX XXXX XXXX.I left my vehicle with the dealership to complete the trade-in process.
While I was closing on my car loan purchase, I was given some verbal information regarding the purchase, and I was told that the paperwork would be emailed to me within 24 hours of my new purchase. I drove away in my XXXX XXXX XXXX thinking that everything was fine.
A month went by and I received the title to the vehicle, but I noticed that the old vehicle still showed as not being paid by the dealer on my credit report. I contacted the dealer that I purchased my new vehicle from to inquire about this. The dealership stated that they would take care of my old loan payment because they were still trying to sell the car I used as a trade-in for the XXXX XXXX that I purchased from them.
The dealer never sold the car I used as a trade-in after 2 months I confronted the dealer about this, and they requested that I come in to sign off on some paperwork for my current car loan.
When I got there, the dealer stated that they were no longer willing to accept my vehicle as a trade-in for the vehicle that I purchased with them. They stated that they wanted me to take the car from their lot.
I am now stuck with 2 car notes and I can not afford to pay both of them. My credit score has dropped because I can not afford to maintain both car payments to both loan companies.
|
| 05/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
|
I made a call in XXXX letting WPM know I would need to pause my subscriber privileges and I would continue payment in XXXX. My contract with XXXX XXXX states subscription will be paused due to late or missed payments. Once payments are current subscription services will be reinstated. Per the language of the contract with XXXX it says that if my debt is sold to a collector, they are held to prior existing terms of contract. And also states the account can not be derogatory or late unless the contract has come to completion and all payments are not made. If that happens, then interest of XXXX cent per day, passed last completed payment, will be charged to the account. I called and told XXXX this and they said i had to have XXXX call them and tell them this. This is in the language of the contract, Ive read it to them, noting which sections it pertains to, and they said the original company needs to tell them that. The original company doesnt take any new contracts anymore and their contact moment forwards you to WESTLAKE portfolio managment. Ive told them this and they told me theres nothing they can do till XXXX contacts them. I made a payment i of {$300.00} in XXXX, they changed my account to charged off/collections immediately after the payment and now wont allow me into my account to make payments. Ive been trying for 3 weeks and sent emails.
My credit score dropped XXXX points and i took all the measures to ensure this didnt happen, but wpm representatives consistently hang up when they say they will transfer you, or tell me theres nothing that can be done whenever I am able to get them on the phone.
They keep saying XXXX has made these changes, but XXXX XXXX is the company I made the loan with. XXXX is the company that makes the braces. XXXX XXXX and XXXX are two completely different entities.
|
| 03/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX. I bought a car ( XXXX XXXX XXXXXXXX ) from a dealership in XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. That was my first car in the states and didn't know anything about financing and APR and how the auto dealership can scam you. The XXXX car which barely worth {$14000.00} at the time, cost me XXXX. The dealership also sold me an auto service contract which I never asked for. They didn't even provided any of the documents to me not even the car 's title. They asked me to sign everything digitally and I did it. The first company that finance me was Security National Automotive Acceptance Company LLC, later without informing me the financing company changed to Westlake Portfolio Management. I had an accident in XX/XX/XXXX and the XXXXnsurance company " XXXX '' declare it a total loss. My XXXX insurance paid them {$12000.00} and rest was paid by the XXXX insurance. They should have paid me back the amount they charged me for the auto service contract which I never used it. I tried contacting them through several phone calls and they all ( dealership, financing companies, the XXXX insurance " XXXX XXXXXXXX XXXX " and the auto service provider " XXXX XXXX '' ) ignored me and keep passing on to each other.
So after working hard for years on my credit, I though I should have a good credit. But after applying for very small loan, the loan officer told me that I have an unpaid balance from auto loan company named Westlake Portfolio Management. I tried contacting them, they told me my account was closed and gave me another company 's name to contact after I explained the situation. I tried calling them everyday, but nothing yet. So I need your help in this, because they ruined my credit, overcharged me and not responding. Thank you.
|
| 07/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I have a loan through Westlake Financial Services that was opened in XXXX of XXXX. The loan is for a XXXX XXXX XXXX XXXX. I had obtained this via XXXX XXXX XXXX in Pennsylvania. On XX/XX/XXXX at around XXXX EST I had called out to Westlake Financial due to an emergency and needing to see if I could have my XXXX payment deferred. After speaking with XXXX XXXX for a while he did agree to defer the payment and had me and him sign an agreement/contract stating my payment would be deferred. I had to pay a XXXX $ payment towards it and I did that. I was told via voice, and the print out of the contract that my payment for XXXX would be deferred and I wouldn't owe it until XX/XX/XXXX. I had figured everything was okay. A few days later Westlake called me saying I was late with my payment. I explained that I had been approved a deferral and I was told that was false I was not they had no idea what I was talking about. I asked to speak to a supervisor and was hung up on it. This has continued every day multiple times a day causing extreme anxiety and I have missed doctors ' appointments because of their harassment towards me in regard to this. I told them today that I had filed complaints because of this and the woman laughed at me telling me there is NO way I had a deferral approved. I do have it printed out, as well as downloaded. I am very upset they continue to call, and have told me that it will be reported as late to the Credit Bureau the XXXX. They also will repossess my car as of XX/XX/XXXX. I have no idea what to do at this point besides this, the banking XXXX and getting in touch with an attorney personally. I do know they have had plenty of lawsuits that they have lost for improper collections, inappropriate repossessions, and other crimes. Please help me stop them from bullying and scaring me.
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| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2021, this writer contacted Westlake Financial Services Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer.
The next day on XX/XX/2021, Westlake Financial Services aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus.
Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau.
On XX/XX/2021, Westlake Financial Services Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS.
AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH XXXX TO HAVE THE ACCOUNT REPORTED BY WESTLAKE FINANCIAL SERVICES ON OR AROUND XX/XX/2021, REMOVED.
ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM WESTLAKE FINANCIAL SERVICES COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT.
I'M ASKING FOR AS VERIFIABLE PROOF, WESTLAKE FINANCIAL SERVICES SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I bought a XXXX XXXX XXXX in XXXX, CO. It was financed by Westlake Financial. I was doing payments but I missed XXXX, XX/XX/XXXX, and until today 3 days of XXXX a total of 62 days default. The company kept blowing up my phone with robocalls and generic emails asking me to contact collections. The pre-recorded voicemail calls used different phone numbers and it was impossible to know the source. The last email was received on XX/XX/XXXX. I talked to them in XX/XX/XXXX and let them know I did not have a job and it was in hardship conditions. On XX/XX/XXXX I went outside and the car was gone. I called XXXX XXXX Police, I thought the car was stolen or towed. The police said the car went to a repo. Westlake Financial did not notify me or gave me a notice of default, just generic emails with fake offers to extend payment. I called Westlake Financial multiple times to figure out the situation. They rudely demanded full payment, plus repossession fees and storage payment for a total of {$1300.00}, then they lowered it to {$1100.00}. I signed in to my Westlake Financial account and the past amount due is {$760.00}. They repossessed the car without notice and they are forcing me to pay repossession expenses without any written notice. They refused to tell me where the car is stored but the phone number and name of the company. I emailed customer care about unlawful repossession and they did not answer it. They are perpetrating unfair debt practices. Supervisor XXXX was rude over the phone and demanded to pay immediately or he will keep adding storage fees until I pay them. All these are verbal, and nothing is reflected on the ledger or loan statement. Those repossession fees are not charged to my account and they just keep giving me inaccurate balances to cover repossession when I call them.
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| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.
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| 01/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX, Fl XXXX XXXX WESTLAKE FINANCIAL COMPANY XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX DEAR WESTLAKE FINANCIAL COMPANY, I am writing to you today regarding my Auto Loan Account Opened On XXXX which I had while I was in a financial agreement with your company. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to the three credit agencies.
I take full responsibility for the payment and I Am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative tradeline associated with this account from my three credit reports.
As soon as I became aware of the balance paid the balance in full. I provided this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I work like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do not recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it may choose from the credit report. Im hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated.
Best Regards, XXXX XXXX
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| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Servicemember |
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On XX/XX/XXXX I applied for an auto loan though XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The vehicle in question was a XXXX XXXX XXXX listed for less than {$18000.00}. I was told I was denied unless I provided a {$6000.00} down payment. I inquired why I was being required to provide an almost 35 % downpayment and which finance company was providing this decision and I was told Westlake Financial Services was providing this information. I then inquired why a downpayment was being demanded when that is an unlawful demand and violates by rights as a consumer. The used car sales manager, XXXX XXXX, denied responsibility for the demand and reiterated that the decision was not an in-house demand but was coming from the finance company.
On XX/XX/XXXX I reached out to Westlake Financial Services directly and provided my application number to the customer service representative, XXXX XXXX, to be put in contact with the finance representative who was handling my application. I was then put in contact with XXXX XXXX who was handling my finance application. When I finally received his call I inquired as to why my finance application was being denied he confirmed the same information that the dealership was telling me, that I needed a {$6000.00} downpayment. I then asked why this was being demanded when downpayments in a financed transaction and it is unlawful. XXXX XXXX did not have an answer for me but said he was going to speak with his supervisor. When I spoke to him again, after he submitted a " revised application '' he said that {$5100.00} downpayment is now required. I continued to inquire as to why my rights were being violated and I was never given an answer. I requested by application and decision to be provided and I stopped receiving all communications and no resolution.
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened an account with XXXX in 2018 wich was a general credit card. I never had an issue with the creditor. I made payments on time and as agreed. My account was sold to XXXX XXXX when the creditor closed. Since then, I have experienced nothing but illegal fees in my account, although payments have been paid. When I have asked about fees being added to my account I have been told that I am being charged fees for not paying on the due date and by this this, not paying late but I have been illegally charged fees for paying the card 'earlier than the due date '.
I have tried on several occasionas to gain clarity and have always been given the run around.I need immediate assistance with this. I am planning to hire an attorney to get control of the account and have the illegal fees charged on the account returned. I have exceptioal credit and I only pay the fees to avoid having my crdit ruined by this company. I am being scammed and taken complete advantage of by this company.
I have bank records showing all payments made on the account since it was purchased from XXXX. I am asking that my monies illegally charged be credited to my account or returned in the form of a check payment rom the company and that I receive no further illegal charges for paying my account monthly bill earlier than the due date.
I have always had a monthly payments for tis account that are generally around $ 90- $ 100 monthly for the due. However, in the last year, I have been charged anywhere rom $ 9- {$27.00} in fees some months for paying on the account earlier than the due date.
I would like this resolved to avoid paying or an attorney, but I will if this isn't as I will not continue to be illegally charged fees on an account that I never had an issue with until this company purchased it.
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I called in to Westlake financial services because my car was repossessed. I was attempting to make a payment when the agent XXXX XXXX was extremely rude to me saying that if I didn't have time to speak to call back. I informed him that he was being rude and let him know that I no longer wanted to speak with him, and requested a supervisor. His response was that he didn't want to talk to me either and he placed me on hold without permission to transfer. I called back later to make the payment once more. Where an agent who I asked to explain the fees that I needed to pay responded with " How am I supposed to know? ". My response was, well you work there. She began yelling over me and said bye and hung up on me. I called back several times after that to which each agent denied me to speak with a supervisor and hung up on me. When I called back for the 5th time, I made a payment. At that time and only then was I granted to speak with a supervisor after only XXXX minutes of waiting when I was previously told they were all in a meeting. Once the supervisor XXXX XXXX got on the phone. I asked for the agent who I spoke with that hung up on me that had access to my personal information, that way I can file a XXXX complaint. His response was I do not have the right to have that agents name. I think it is despicable how this company allows their agents to treat customers just because we owe money. The culture to be rude to customers is overwhelming and disgusting. I made a payment well over {$1200.00} and was not thanked for the payment, or even offered an apology for how the agents handled me or my account. I am now skeptical of what they will do with my personal information being that they are going through great efforts to conceal the nasty behaivor exihibited by their agents.
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| 03/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.
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| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/2019 I received a notice of transferred services letter from my previous lender XXXX XXXX stating that effective XX/XX/XXXX the servicing of my account would be transferred to Westlake portfolio management services. My loan reached its maturity date on XX/XX/2019, however I still have a balance owed of a little over $3000 of which the following payments have been made to Westlake in an attempt to satisfy and pay the account in full; $XXXX on XX/XX/19, $XXXX on XX/XX/19 and $XXXX on XX/XX/19. I received a past due letter dated XX/XX/XXXX requesting the full amount to be paid. Immediately I contacted Westlake and inquired about the account and expressed my concerned w/ the details of the letter specifically where the letter stated that my vehicle could be repossessed. I was informed by the customer service rep that Westlake granted my account an extension until XX/XX/19 to pay the remaining balance. About 4 weeks later I received another past due noticed. I contacted Westlake again and was told once more that I had an extension until XX/XX/XXXX and that as long as I continued to make payments my vehicle wouldn't be repossessed. Fast forward to today XX/XX/XXXX and my car was repossessed at XXXX. I spoke with Ivonne the repossession supervisor and now the story they are giving is that my account was noted for the extension but wasn't granted, information that has never been communicated to me during my previous conversations w/ their customer service reps, and that she would be sending my account for review and if approved for the extension I would get my vehicle back. While I appreciate XXXX diligence to help I am very upset at the amount of miss-information from the lender and the situation I've been placed in is unfair. This company is a nightmare.
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| 05/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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T o wh om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice. I originally applied for the extension in XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in XX/XX/XXXX I was told that my car was about to repossessed for non-payment. I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account manager that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current. It has been 3 months, and my account is not current, although in XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately. Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me. About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account. I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at XXXX XXXX XXXX . Sincerely, XXXX XXXX
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| 11/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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XXXX sold out to Westlake Portfolio Management. I would assume for the issues with the military, to include myself, and their overcharging and improper procedures of collection. I owe 1 more payment to Westlake, as they took over the last few months. I have not been late, but they are attempting to collect my last payment a month ahead of time and are now are saying my XX/XX/XXXX payment is considered late and will reflect on my credit. They are using this as a tool of harassment. I am a XXXX XXXX XXXX veteran and I served 22 years as an XXXX XXXX is the XXXX XXXX XXXX. The fact, we have been overcharged and overcharged and had added expenses is incomprehensible. We have been unable to understand our debt since going through XXXX and are unable to access any charges by XXXX or Westlake Portfolio Management. We are confused how we owe an entire {$800.00} more when we supposedly owe {$650.00} as our final payment. No one can explain this to my wife and I. We have been called every day since the XXXX, as they say our payment is now is default. Again, we are not late nor have we been late. XXXX extended our payments during XX/XX/XXXX/XX/XX/XXXX, I believe it was, and they did report to credit that we were late when they fixed the payments to be paid in more than one payment on a monthly basis. This was due to biweekly pay schedule. The issue is with Westlake now and we can get no satisfaction with insuring their mistakes does not effect my credit. I am trying to buy a house. I have been repairing credit due to fraud since XX/XX/XXXX/XX/XX/XXXX. This has been tragic. I have no idea what to do at this point but to contact attorneys. Westlake Portfolio uses tactics I believe are wrong. What else can we do here when we just want this issue fixed? Regards, XXXX and XXXX
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| 09/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...
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| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/XXXX around XXXX I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX to apply for a vehicle. XXXX XXXX is the Vehicle XXXX handling the credit application for the vehicle. He was informed I would be using the XXXX for my business that is owned by XXXX XXXX XXXX XXXX XXXX and XXXX this is a Consumer Credit Transaction. He informed me that the credit application had been given to the XXXX XXXX XXXX and ran to XXXX XXXX for the extension of my credit. Actually, it appears the request has been sent to XXXX different banks and XXXX XXXX does not appear on that list. However, I confirmed XXXX different times that my credit is approved for the white XXXX XXXX LS XXXX ( XXXX : XXXX ) but I was told a down payment of {$5100.00} is required first. The standard price for this vehicle is {$26000.00} and total vehicle price is {$28000.00}. I am not sure how much the loan approval was for, as I was not told, but the offer to use gold/silver was presented. I thought per the Gold Clause Act and laws referring to lawful money, this would mean that the full satisfaction of the debt would be met by doing so. The XXXX XXXX XXXX stated he would use the gold/silver for up to 75 % conversion.
As the single owner XXXX '' individual '' /unincorporated association XXXX XXXX assumed the Consumer Credit Act ( XXXX XXXX ( XXXX ) would apply to my application as well as the proper endorsement " by : XXXX, XXXX XXXX ''.
Per the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX a ( b ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( f ), XXXX XXXX XXXX and XXXX XXXX XXXX I am requesting clarity and guidance. This business seems fair and has been kind to me thus far, and I would like to commence my business with them, but our information seems to be conflicting at the moment.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( Westlake Services LLC. ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( Westlake Services LLC. ) of any sort.
In regards to The company ( Westlake Services LLC. ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( Westlake Services LLC. ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
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| 11/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XX/XX/XXXX, I purchased a Used Vehicle from USAuto. a XXXX XXXX XXXX that came with a Warranty and also an extended Warranty. On XX/XX/XXXX my car stopped at a red light and never cut back on. I reached out to the warranty company XXXX and was advised to have the Vehicle towed to the Nearest XXXX XXXX to have it evaluated on that following day when they opened. that Sunday the XXXX I received a call from XXXX XXXX giving me a number to call about the Warranty coverage. It was not the Warranty Company. it was Westlake Portfolio and they informed me that they were a debt collector company and they have taken over all accounts from USauto.I was also informed that USauto had filed Bankruptcy. I explained to the rep that my car was in the shop and the bus bar and wiring harness that needed to be replaced was covered under warranty. I was then informed that they would not honor the warranty that I was actively paying for in my car note bi-weekly and I would need to make arrangements to pay they XXXX out of pocket and a new car note. I asked for proof that this company had my contract since it was a debit collector, and I was not pass due with the any Usauto payments and I never received anything. My Credit Shows that the Account with USautosales is closed paid in full now, Westlake is now coming after my credit every other day saying that I have a contract with them and again when asked to provide the contract I never get it, all this over a car that does not run, nor do I have possession of. If I am paying for a warranty and the contract is sold the Warranty should be valid and Westlake is not honoring the Warranty and I do not have any type of pf contract with Westlake. My credit score has dropped XXXX points in the past few months because of Westlake.
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| 06/22/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Wilshire Consumer Credit is the holder of my auto title loan. I also learned as I went along in this journey to my dismay that they are also an agressive debt collection agency. I am usually paid up to date for the past year of this loan of about {$5500.00}. But sometimes Im a month behind but I always make an effort to catch up that I always do. Im presently as of XX/XX/2020 a month behind. The virus crisis has not helped the situation as Im unemployed. Im at the mercy of my unemployment check which comes sporadically and not routinely. Im waiting for my unemployment check to catch up. I will not default on this loan, I got this, I dont know what their problems is.
They relentlessly set their phone dialing machines to endlessly call me and even when I pick up the phone theres no one there on the line to respond. They even call during meetings and in front of my clients for Wilshire not to not see that by doing this they create an environment that is not conducive for their loan customers to earn money to pay for their loans. These people are horrible! They truly are debt collection pigs! Inconsiderate and selfish!
They will get their XXXX money! They need to be patient, when I get the unemployment check theyll get paid. This is why I gladly pay late charges, thats the cost I pay for the risk they entailed under the circumstances we mutually agreed when I signed for the loan. Thats why I pay a higher interest rate, they knew who they were lending money to! If theyre not willing to put up the risk, then they shouldnt have given me the money!! Ill gladly pay the late charges, unfortunately, the financial industry sees these late charges as strictly punitive, and that has to change with the new realities we face with this economy! Enough!!! XXXX!
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| 02/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
Servicemember |
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I have purchased a used vehicle from a car lot that I shortly ( the next day ) experience a dishonest practice that left us out of pocket for {$500.00} in a car repair shop, lie about the car ever been reported to be in an accident, and the list goes on from there.
Never the less, my issue today stems from the bank ( XXXX XXXX ) the dealer used to approved me at a time when I had XXXX credit.
While I welcome the bank approval to purchased my vehicle, XXXX years into making payments on time ( $ XXXX monthly, on a {$18000.00} loan ), the loan in my opinion, is moving at a XXXX XXXX XXXX, currently owning just over XXXX XXXXXXXX.
While I get that since back when I apply for the loan, I had not credit and the interest on the loan was extremely high, I have call and ask multiple times to understand why in the last XXXX years, the monthly principal has not moved from XXXX XXXXXXXX. I have also call to ask for refinance now that my credit score shows a high increase, but no refinance is offer. I have call and asked advised on how to make progress on lowering this amount, but the explanations are vague and do not provide any meaningful results.
In short, based on my experience with the dealer who sold us the vehicle, I just cant help to feel distrustfull with the whole experience and I'm sorry to say this.
I need a third party to oversee this loan and a senior advisor from the bank to offer better clarification as to to we can mediate this situation as I can not continue to pay XXXX XXXX monthly without seeing any result for a vehicle that every other month has mechanical issue stemming from the dealer cover up of used ( claim the vehicle was used by a private owner, when in fact, we found out, it was commercially leased by a delivery company ).
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be deleted : WILSHIRE CONSUMER CRED XXXX Open Date XX/XX/2014 Balance : Balance : {$0.00}
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| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I financed a XXXX XXXX XXXX from XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. On XXXX ( XX/XX/XXXX ) I received a text message from XXXX XXXXl stating Effective XX/XX/XXXX the servicing of your account will be transferred form XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Westlake Portfolio Management. Please contact Westlake Portfolio Management at ( XXXX ) XXXX to make you payment or to discuss all matters related to your account.
I have two problems with this : ( 1 ) After making payment to Westlake Portfolio Management as instructed, I received another text from American Financial that customers can make payment and view account information through our new website at www.amfinancial.com. I have attempted to contact XXXX XXXX numerous times to confirm where payment should be sent, but they do not answer their phone. I am currently still unclear where payment should be made as both companies are demanding payment. ( 2 ) Since XXXX of XXXX, I have been in contact with customer service at XXXX XXXX attempting to terminate my lease early. They never provided any instruction, only that an account manager would get back to me. I called nearly every week for an update with the same answer. I have tried to begin the process with Westlake Portfolio Management, however they advised that they can not uphold my existing contract because we dont do that, you can voluntarily surrender the vehicle with impact to your credit report or you can continue to pay off the lease.
I have worked very hard for years to repair my credit and do no appreciate the lack luster assistance that either of these companies have given me to resolve this issue. I would like this issue resolved so that I can move on with my life far away from both of these misleading companies.
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| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX AMERICAN CAR CENTER in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted ACC that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called Westlake Portfolio and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX i purchased a XXXX XXXX sonata from XXXX XXXX XXXX which financed through Westlake financial services. total price for the vehicle was XXXX, i paid a total down payment of {$2800.00} for the vehicle and insurance which was required I make a payment of $ XXXX monthly. I never had a problem with the financial company or the car until the engine has gone out 2 months ago, i contacted Westlake about the vehicle and they told me it was nothing they could do and he also told me he could see that the vehicle was leased with no warranty. also I had the vehicle XXXX months and it shows on my account i still owe an amount of XXXX. I've ask why does my account says i still owe XXXX i was told they doesn't know why it says that and put me on hold almost a XXXX i was also told the reason why the loan amount still says XXXX is because i made all payment after the due date which was the first of each month, and was paid towards Entrance. I've paid my car note each month a couple days after but none of this is making sense to me. i was treated unfairly because they said they could not help me with anything.! after telling them i was going to report them i was put on hold XXXX and told they could only bring my account to current because its almost XXXX XXXX late..! after explaining that it wouldn't help because i can not drive the car because it doesn't run, days after the engine went out i begged them to help me out a little, it got to the point where i offered them to come pick it up and yet it still sits outside..! I've took a total lose dealing with this company. I've asked couple i get my BLANK PAYMENTS back for those months plus down payments and was told NO..! im being treated so unfairly and i will like someone to take actions.!
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| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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as of XX/XX/XXXX i reviewed my XXXX credit report and noticed that a charge off from west lake financial is still on my credit report. around late/mid XXXX i contacted west lake financial and spoke to a representative and made an inquiry about the inaccurate information being listed on my credit report. once i gave the rep the account number / verified my identity he told me that he couldnt give me any information on my account because my account was sold to a company ( which is now off of my credit report ) XXXX XXXX XXXX XXXX. no one was able to assist me with my issue. around mid XXXX i received two letters in the mail from west lake financial services one dated XX/XX/XXXX and the other XX/XX/XXXX XXXX both of the letters indicated that they were properly reporting to XXXX and that removing the account from my credit report would be falsifying information per the FCRA. also in the letters west lake financial mentioned a key factor in why i am disputing this account DOFD ( date of first delinquency ). according to west lake they are able to continue to report to XXXX because the date of first delinquency is XX/XX/XXXX. this is very contradicting on their behalf because when i originally called and spoke to the representative over the phone i was reassured that my account was sold, and that no one at west lake could give me any information, secondly the company that my account was sold to sent me a letter in XXXX when i originally disputed the debt stating that my DOFD ( date of first delinquency ) was XX/XX/XXXX. if this is true then XXXX needs to cease reporting to XXXX on an account that has officially reached the seven year statue of limitation. also west lake did not indicate only that this account is currently under dispute.
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| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have vehicle loan through Westlake financial. Iwas in an accident on XX/XX/XXXX, and my primary insurance considered the vehicle a total loss. From XX/XX/XXXX through XX/XX/XXXX i was not able to get through to Westlake financial insurance dept . It wasn't until i started getting collector calls that i was able to get transfered. But even then i kept getting hung up on, the only time i actually got through would be when i got transfered supervisor to supervisor. But after a few times of that, the operator would siply not transfer me to anyone and just hung up on me.
My primary insurance was ready to pay out 2 weeks after the accident. But i wasnt sure if i wanted to keep the vehicle or not. My desicion would be based on how much i would have to pay. ( whether or not my gap insurance would still be accountable and to what extent, since i was never given a copy of the contract ). 3 times i got through to insurance dept each time i was given a different response.
A ) that no it wouldn't be responsible B ) that it would pay the the equivalent of 5 payments C ) that it would pay the remainder from actual value report from primary insurance.
Since the answer kept changing i asked for this information in writing to be sent to me in writing. But recieved 3 different payoff letters with different payoffs on each, each one being less than the one before. Its been 4 months now and i still cant get through when i call, but the collection calls dont stop.
Only now the operator always has a taunting/smirky voice as if to laugh at me and will not transfer me to anyone. I know that they have made changes to my contract without notifying me beforehand such as removing the warranty. And never notified me in writingn, but an operator let it slip.
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| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I filed bankruptcy and made montly payment on my car. 10 days after I made a payment XX/XX/XXXX, they reposessed my car. After a lot of red tape and them being extremely unhelpful, I paid off the car on XX/XX/22. I had XXXX XXXX from VA to NC to pick up the car, I did so on XX/XX/22. A week later, I called in to find out when I would get the title. They stated that they sent it to the repo company and will request it back from them and send it to me. I never received it. I called multiple times and finally on XX/XX/XXXX they told me that they sent it out to me on XX/XX/XXXX. I waited and waited, no title came. On XX/XX/XXXX I called them telling them that I have received no title and that it was unacceptable that I had to wait this long. The Westlake rep said she would take care of it. On XX/XX/22 I finally got an envelope from Westlake. It didnt have a title, but it had a document that had been notarized. I assumed I could take that to the DMV for a title. I made an appointment with the Virginia DMV for XX/XX/22. The piece of paper they sent me means nothing to the DMV. The piece of paper also had a phone number that the DMV could call. However, that phone number went straight to a dead line. The DMV informed me that Westlake put the title in their name on XX/XX/22 and got a copy of the title. The DMV needs the title signed over to me before they can do anything. When Westlake moved the title over it voided my cars registration. So now I have had an undrivable car for 2 months. I have called over 10 times trying to get this resolved. Most times they throw me into a hold loop where it eventually hangs up on me. This has now become a UDAAP violation, and with the way they have treated me, I am sure that I am not the only one.
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| 10/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Saturday XX/XX/XXXX, I tried to make my regular car payment to Westlake Financial Services ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) for the second time after the maturity date of the loan on XX/XX/XXXX.
The payment made XX/XX/XXXX was received no issue, but today it said immediate action required and would not take payment online at www.westlakefinancial.com So I called and found out the previous 5 phone calls over a year apart first starting in XX/XX/XXXX The representatives of Westlake Financial knowingly lied about my loan maturity plan and assured my Husband and I that the car would not go out for repossession as long as we made our payments before the due date at the end of the loan and that no more fees or interest would be charged.
When called this morning XX/XX/XXXX they said the account was 60 days past due and the vehicle was out for repossession because the maturity plan was never authorized by unknown " managers ''.
So today the " gentleman '' that answered the phone at Westlake Financial tried to extort me for {$500.00} to resubmit the loan maturity plan that may or may not get approved now even though they repeatedly told us not to worry about this EXACT Scenario.
This company is a scam I have found out the hard way, my car is a XXXX XXXX XXXX bought used with XXXX miles. Screwed on 29 % APR and some how after all the fees they charge we owe {$13000.00} at the end of the loan. The car has been paid for 7 years and over double the price paid for the car, and every time you call they just seem to lie.
Especially looking at the reviews I don't know how they are still in business. Some of the transaction records show {$490.00} applied to interest and {$0.00} applied to principle of the loan
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| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased a vehicle at US Auto sales in XXXX of XXXX. I was desperate the engine in my vehicle at the time decided it needed to be replaced. I did not have that kind of money. So I went to US Auto sales. I chose a vehicle that turned out to be the price of a new one with 14 % interest. The vehicle had to be taken back the very next day because it had major engine problems, the check engine light came on shortly after I left the lot. They wouldn't let me out of the loan but I could exchange it for another car on the lot. I test drove one and on the test drive the check engine light came on. I drove another one that ended up needing new tires and brakes. The suspension is shot as well. Now the first car I drove off the lot in with engine issues I verified at a mechanic shop estimated cost of work XXXX, was back on there website for sale the same day. My guess they were disconnecting the battery to clear out the light. Now apparently US Auto sales up and went out of business. I make payments every two weeks so I pay like XXXX a month. I made a payment as I always do and went to make the next one and am redirected to a different companies website. The company is Westlake portfolio management and they are debt collectors. I was not notified of the change nor have I received a copy of the loan agreement with this company that I have read is different. I owe XXXX on a XXXX XXXX XXXX with XXXX miles. This car won't last much longer and I don't know what to do when it dies and I need a car. I have a better paying job and am trying to get back on my feet. I just don't know what to do. I live in XXXX SC. I just feel taken advantage of and swindled with no recourse. I don't want to file bankruptcy because of predatory business models
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| 10/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.
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| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I applied for a loan from Westlake Financial Services in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on XXXX I think.
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| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Name : WESTLAKE FIN Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
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| 08/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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Westlake Financial is reporting and has reported inaccurate information on my loan. Westlake just started reporting to the credit bureau based on my request for them to report the account to the credit bureaus in XX/XX/XXXX. Up until last week the accounts had been reported in good standing only after I made a complaint to the CFPB about the account not being reporting for the full length of time on the XXXX report. I called Westlake Financial to discuss the late payments that they are reporting. The XX/XX/XXXXpayment they are reporting is not correct as my payment due date was changed from the XXXX to the XXXX of the month making the payment due onXX/XX/XXXXand notXX/XX/XXXX. I made a payment onXX/XX/XXXX which would have made the account less than 30 days late. They are also reporting for the month of XX/XX/XXXX as late. I made arrangements for the payment to be put at the end of the loan this was completed on XX/XX/XXXX which was 12 days prior to the account due date. They advised me when I called today that due to the time it takes to process the paperwork my account became late. I was not advised that such would happen. Again up until last week Westlake had reported all of my payments as on time. So the last six months they reported the account as being on time but after I filed a complaint with CFPB now all of a sudden the account had late payments. It is a violation of the FCRA to report inaccurate information and holds a statutory fine of $ XXXX each occurrence. The person I spoke to today told me that I have to dispute the item with the credit bureau. I explained to her that I would like to dispute it with the creditor as your company is the one that made the mistake with reporting incorrect late payments.
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| 12/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Alleged Creditor ( finance company ) sold a debt to a third party company back in XX/XX/2018. The third party company sent me a letter making a claim that they will be servicing an account. The notice included : IMPORTANT NOTICE ABOUT YOUR RIGHTS : Unless you dispute this debt or any portion of it within thirty days after receipt of this letter, the law permits us to assume that the debt is valid. You may notify us that you dispute the debt or any portion of it in writing, or by telephone.
Within days of 7 days of this notice I sent an email, called, and mailed a letter request of debt validation under : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, Cease and Desist notice. Include within this letter I stated : If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent immediately. Do not contact me at my workplace for any reason as well as attempt to collect any debts on behalf of the Alleged Creditor that sold this debt until proof of debt has been validated. The Alleged Debt Collector did not nor can not legally prove a valid balance on the account still exists under penalty perjury. The third party company made several attempts to call me to collect payments and act on the behalf of a servicing company. Without notice the third party company has repossessed the vehicle from my workplace after the cease and desist notice was sent months ago. I have made several attempts to get my belongings from this vehicle and was denied by the repossession company.
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| 11/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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My Name is XXXX XXXX. My home address is XXXX XXXX XXXX XXXX XXXX NJ XXXX. On XX/XX/XXXX I made my final payment to XXXX XXXX XXXX on My XXXX XXXX XXXX Vehicle and was told that by XX/XX/XXXX I will have my title in my hand for that vehicle. On XX/XX/XXXX the end of business day I reached out to the bank and advised them that I did not receive the title for my XXXX XXXX XXXX, I was then told that their records show that it was mailed out on XX/XX/XXXX and I should give it an additional 10 business days for arrival. On XX/XX/XXXX end of business days I reached out back to the bank and inquire about this title again and was told to check with my DMV. I then reached out to the DMV and was told that a lien is still on my car and that they would not receive my title if it's paid off it should have been sent directly to me. I was then advised by the DMV to ask the bank for a Lien discharge statement and then I can apply for my title on my own. On XX/XX/XXXX I then contacted the bank again to request a lien discharge statement, I requested a copy to my email and one via mail. I was told again that they sent it via mail and I should check back my email within 2 hours it should be there. I called the bank back within 3hrs from our previous conversation, notifying them that I did not receive any lien discharge notice, they told me to wait a bit more for it to come through. I then gave the bank until the next business day ( XX/XX/XXXX ) and called back and it's still no help. At this point I'm starting to get the impression that the bank is lying and just refuse to hand my Title over to me and I need my title.
I don't know how much this will helps but my account number with the bank on that car is XXXX.
Thank you.
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| 05/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.
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| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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During my loan from XXXX to XXXX my payments were not taken off the final balance amount. There are two very large fees that they added to my bill that they would not tell me what they were for. At the end of my time having the vehicle the vehicle caught fire with me driving it. It was not deemed totaled but it was too expensive for me to fix and it did not run at the time. I tried to turn the vehicle over to them and they made me wait months for them to pick it up to be auctioned. They sent the price of what it would sell for at auction before it was even picked up from my property. The amount was for {$4700.00}. However when I looked up the VIN number on that vehicle it actually sold for {$9900.00}. The total of the vehicle was {$11000.00} with interest the total became {$13000.00}. I paid a total of {$4900.00}. The fees that they would not disclose to me total {$1300.00}. My calculation is that I only owed the finance company of Westlake Financial {$8600.00} not including the fees that they would not disclose to me the purpose of and with the true amount of the auction price I should not owe them anything or at the very least much less than the {$9200.00} that they have been reporting to my credit this whole time. I have already reached out to the Ohio Attorneys General Office about this issue. The OAGO has deemed this particular finance comany as " predatory ''. I have every document they have given to me along with the screen shots about what I found out by looking up the VIN number. The OAGO has reached out to them to try to settle on what I provided and they have refused. I have contacted them about this as well and was sreamed at by the person that was on the line and talked over the whole time.
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Westlake Financial Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX ) of any sort.
In regards to The company ( XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
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| 10/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I my first vehicle from USA auto sales ... XXXX FL... In the beginning of XXXX,, a XXXX XXXX. Withing a week the engine went out... I went through the process of with XXXX XXXX. They had my car for 10 days,, the motor was bad,, us auto said they wouldn't fix it .... I asked for my down payment back, they refused,,,,... they pressured me,, and tricked me to get another car... They said they would put me into another car,, but I told them the only way I will is if they give me a extended warranty on my car to insure it would get fixed, they agree... they put me in another vehicle,,, within a week the brakes went out... I contacted us auto sales,,, also the mechanic shop contacted them about the warranty, they denied my warranty,, said they wasn't going to fix it... The next week after that thay closed there business,,, they sold me a XXXX car,,, but didn't give me a XXXX XXXXar warranty .... false business practice,, deceptive tactics, ,three months later, ,while I have a car with no brakes,,,, I notice they Transfered my loan to a debt collector,,, Westlake Portfolio... which made my credit score drop significantly ..... So I called the new Westlake Portfolio to see if they would honor my extended warranty,, they also denied to fix the vehicle,, .. it's the same occuring brake problem on the vehicle, ,it not safe to drive,,, I recently lost my job XXXX,, because the mechanic shop had it for another 10 days,,, when they denied to fix my vehicle ... .this car is a lemon ... .. Also my balance that I pay on my vehicle has moved,,, I think they were double billing me,,, I still owe the same thing I owed when I first got the vehicle ..... I also have other people who been deceived by the same company..
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| 09/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Violations : 15 USC 1642 15 USC 1681, 1681 ( m ), 1681 ( n ), 1681 ( o ) 15 USC 1682 ( n ) 15 USC 1691 ( c ) 15 USC 1692 ( k ) 12 CFR 1002 Unauthorized use of my credit card ( social security ) Running my credit multiple times with my consent & also without my consent, and admitting to a date on the recorded phone calls ( I have 2 recorded phone calls with the Westlake financial services representatives ) They advertise that they accept all credit types but denied me every time ; even after the improvement of my FICO score.
They have caused me emotional distress, making me feel as if I will continue to be denied if I were to keep applying, and financial hardship as I am on the verge of homelessness and my car is on its last leg, because Im not able to get a loan, nor do I feel confident to even apply for any loans.
This is a violation of my civil rights and consumer rights because it hinders my participation in my pursuit of happiness under the Constitution, and Declaration of Independence. When Westlake Financial Services contracted with me when they pulled my Social Security number and used it to run a credit check on me, they became a trustee in my trust and since I am the beneficiary, the trustee has a fiduciary obligation to benefit the beneficiary. Using the off-ledger funds in my Social Security Trust account would cover the cost of the car. They have probably used so much of my credit that I could have probably bought several high end vehicles if they had just complied with extending me my own credit.
I will be mailing the company a response since I cant get one over the phone of an adverse action against a corporation / conditional acceptance and I will be sending CFPB a copy as well.
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| 05/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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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,
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| 10/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/2022 IVE SENT IN A BILLING ERROR IN THE MAIL CERTIFIED TO BE LOOKED OVER. I CONTINUED TO GET HARASSING CALLAS ABOUT PAYMENT UNTIL I MENTIONED THEY'RE VIOLATING FDCPA. They then said they will not contact me unless I ask to be contacted. IVE ASKED XXXX XXXX TO VALIDATE THE DEBT THAT THEY SAY I SO CALL OWE. I UPLOADED THESE DOCUMENTS TO THE XXXX As well She then sent the Same Documents from Here to the XXXX Mentioning a 1099a. WHEN I ASKED ABOUT MY BILLING ERROR That was sent and received XX/XX/2022. It is now XX/XX/XXXX and you all still have not acknowledged my billing error because you all know yall violated TILA & MY RIGHTS AS A CONSUMER AND THE FDCRA, FDCPA. I also SENT A CEASE AND DESIST AND GOT ALL DOCUMENTS NOTARIZED YOU ALL RECEIVED THIS ON XX/XX/2022. I ALSO SENT NOTICE TO THE ATTORNEY GENERAL AND XXXX. SO SEND ALL MY DOCUMENTS THAT I WANT. VALIDATION OF DEBT SHOW THE ACCOUNTING LEDGER NOT STATEMENTS THAT DOESN'T SHOW ANYTHING. SHOW ME ALL CONTRACTS WITH ALL SIGNATURES. MY CONTRACT IS NULL AND VOID DUE TO NON DISCLOSURE OF TILA AS WELL AS IT WAS NULL WHEN THE BANK DIDN'T GIVE ME CASH IN HAND. WHERE DID I SIGN MY SIGNATURE WITH THE BANK? SHOW ME MY SIGNATURE I SOGNED WITH THE TITLE COMPANY AS WELL AND WITH THE NOTARY. THEIR SUPPOSED TO BE 2 WITNESSES AS WELL. You ALL FORGED MY SIGNATURE ON 2/3 CONTRACTS. YALL BROKE THE CONTRACT, UNDER 12 C.F.R 226.23 RIGHT OF RECESSION. MY CAR INSURANCE ISNT INCLUDED IN MY CAR NOT ( 1 ) VIOLATION XXXX XXXX YOU DIDN'T DISCLOSE THE TILA AS WELL AS THE FINANCE CHARGE 15USC 1605 SUM OF ALL CHARGES ( 2 ) VIOLATION XXXX XXXX CONSUMER CREDIT TRANSACTION IS CASH IN HAND ( 3 ) VIOLATION XXXX XXXX IM REVOKING MY SIGNATURE. MY SIGNATURE IS NO LONGER VOID.
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| 04/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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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.
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| 06/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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between XXXX XXXX 2017 and XXXX XXXX 2017 Westlake Financial took out 2 paym ents from my bank instead of the agreed u pon one payment o f XXXX in doing so it overdrafted my account by XXXX they quickly reversed one p ayment of XXXX as of XXXX XXXX 2017 my account 's principal balance was XXXX AFTER the XXXX was processed and the returned XXXX was removed from the account balance.prior to the XXXX being returned the principal balance was XXXX It is my understanding my principal balance does not go up unless there is a late fee. I have never been late on payments. They even tell me I have a 10 day grace period for if I were late. Now this month PRIOR to making another XXXX payment my principal balance is XXXX and everyone I spoke to a t Westlake Financial ha s stated it increased because of the refunded XXXX but that is not true. the balance is seve ral hundred d ollars higher than it should be. why did my principal balanc e go up XXXX .It should have remained at the XXXX as only one payment was refunded. they say there was an NFS fee from my bank but this is only true because of their error in processing 2 payments. It should be noted that my loan payment is XXXX a month but I always pay XXXX I want the balance to b e upg raded to reflect the proper amount as I feel I have not been given credit for the first month payment I made to this. It is also worth noting I p aid 14 o r 15 months on this loan to XXXX XXXX PRIOR to Westlake p urchasing this loan. While at XXXX I was never late and have perfect reporting marks from XXXX on my credit report. Please entic e Westlake to correct my loan balance. Thank you.
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| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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. I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly.
2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX.
3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do.
4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest.
5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me.
6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees.
7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call.
Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate.
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| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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It started from I made a reservation at a Hotel on XX/XX/2023, and the check-out date was XX/XX/2023, but for no reason did the hotel owner get rude to me and harassed me by towing my truck on the night of XX/XX/XXXX while I still have the reservation for that day. A week later, Westlake Financial emailed me that they were trying to impound the truck. I did not know the purpose of doing that or how Westlake Financial knew about the incident, so I remained quiet. I filed a civil complaint with The General Attorney 's office of Virginia because I thought only the harassment from the hotel XXXX in XXXX, XXXX Last week I received a letter from Westlake Financial stating The truck is under repossession and will sale in XXXX and added {$1600.00} to the balance on m account. My truck is full of inventories that cost over {$25000.00}. Westlake never disclosed. I called Westlake Financial and got the answer I owed them {$300.00} was the reason for repossessing. The repossession is illegal ; I never owe them anything. I made payments on time on XX/XX/2023 the payment was made, but the truck got towed on XX/XX/2023, and on XX/XX/2023, I still made a payment. The account online shows the next due date is XX/XX/2023. What reason to repossess my truck? The way Westlake Financial did to my account, it seem like the transaction they knew since the beginning of the incident, none of investigation or questions to me, but put it directed to the plan they had set up. I think three companies, XXXX XXXX Hotel in XXXX, VA, XXXX XXXX XXXX, and Westlake Finacial, had a conspiracy to commit this crime by trying to exercise the legal authority they thought they had in hand. It was a robbery with a plan.
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX Westlake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history.
Account Information : - Account Number : XXXX - Original Creditor : WFS - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation.
I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being.
Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter.
You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation.
Thank you for your immediate attention to this important matter.
Sincerely, XXXX XXXX
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| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpo
se by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Tit
le 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
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| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
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| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This complaint is in regards to file # XXXX I was in the settlement process and during this process i have been receiving numerous harassment calls by debt collector XXXX XXXX representing Westlake Financial. XXXX XXXX needs to be fired because he keeps Threatening to arrest or legal action.
I told westlake fiancial to stop calling my phone number and any number in record and to send me letter instead. any communication was to be process via letters postal mail or email. XXXX told me he will show up to my house with police and arrest me. he has violated my consumer rights. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FDCPA Section 809 ( b ), FTC
opinion letter Cass from LeFevre .FDCPA Section 805 ( c ) FDCPA Section 805 ( a ) ( 1 ). FDCPA Section 805 ( a ) ( 3 ). FDCPA Section 805 ( b ), 806, 807, 811 ( a ) ( 2 ). FCRA Section 623. each Fine minimum {$1000.00} per violation as per FDCPA Laws.
the account was removed from my credit report but the title was place on hold. at this point i demand the title loan and phone calls to stop. westlake financial was informed to follow my consumer rights per FDCPA Laws in the state of california. each violation I would also like to request, in writing, that no telephone contact be made by your offices to my home, third party and/or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in complaint.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX, XXXX XXXX XXXX sold my loan to Westlake Financial without informing me a day after I paid my car payment. They informed via letter 2 weeks after I demanded written notice of my account being sold. Westlake harassed me for a week, daily, telling me if I didnt pay my late car note that they would send it to collections. They had not even received any of my account information from XXXX XXXX XXXX yet per THEIR WORDS. I kept telling them I had paid it right before they sold it to them, but they kept calling me. Finally, after a week, they got in contact with XXXX XXXX XXXX to verify I had made the payment. I have made XXXX payments so far on the car and NONE of those payments have been reported to the credit bureau, and every time I call and ask why they have not been, they tell me its XXXX responsibility to report the first 6 months, and then when I call XXXX, they tell me they no longer have my information and that it is Westlakes responsibility. When I tell Westlake what XXXX said, Westlake tells me that they do not even have the first 6 months payment history and again, it is XXXX responsibility. Regarding the 2 months Ive been with Westlake, they have not reported those either even after I have filed 2 complaints to them and they said We report to the credit bureau the first week of every month. I have a strong feeling my account will be sold once again and I will go through this problem once more just so my credit continues to stay the same. I have worked very hard to keep a 100 % payment history and I have nothing to show for. To make sure I can not refinance my car and keep me with a high interest rate and loan balance that has yet to decrease by the way!
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| 02/06/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
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Web |
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XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck
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| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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Web |
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Filed dispute with Westlake Financial Services and received confirmation via Certified Receipt Return Mail.
Dispute the fact that I had XXXX XXXX XXXX XXXX XXXXXXXX XXXX early in the morning before I signed alledged loan documents.
Moreover, informed financed XXXX from XXXX XXXX, I had XXXX XXXX XXXX XXXXXXXX and I wasnt coherent to respond to anything about loan for XXXX XXXXXXXX XXXX.
XXXX XXXXXXXX just pressured me into signing loan documents while I was XXXX.
Told XXXX XXXXXXXX I was not in my right mind.
Took car back XXXX XXXX and told XXXX XXXXXXXX I dont remember buying car and did not want it. XXXX XXXXXXXX advised me that the car is mine and there is nothing that he could do. He told me Westlake Financial Service is the finance company that I would make XXXX payments.
Westlake Financial Services are in violation of the Fair Debt Collection Practices Act, The Truth in Lending Act and relevant section of the XXXX XXXX and the Consumer Financial Protection Act.The following illegal debt collection tactics were used such as pretending to call from a XXXXXXXX XXXX and threatening me to pay and informing me that my car would be repossessed. Call ID stated different companies. Companies on call ID wanted money from me to pay Westlake Financial Services car payment for my XXXX XXXX. Westlake Financial Services called XXXX XXXX XXXX XXXX XXXX without my permission. Westlake Financial Services disclosed loan information without my permission to my family, friends and employers such as my car would be repoed and that I would severe consequences. Will mention the severe consequences if I file complaint with the Consumers Financial Protection Bureau.
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| 03/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I didnt authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX WESTLAKE SERVICE INC XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
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| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
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|
Hello, this is a new and updated dispute regarding Westlake Financial Services.
I have attempted to dispute this account through the CFPB several times in the last XXXX years and Westlake Financial Services is negligently marking my disputes as duplicates or changing the type of account to credit card or mortgage.
THIS IS AN AUTO DEBT/AUTO LOAN nothing more.
This is my last dispute before seeking litigation.
I have taken the time to look over the original contract I received for this transaction along with documents that Westlake sent as validation over the last XXXX years and I am aware that the signatures on the original contract and the alleged validation contract is not the same.
I also noticed information in the original contract that I was never disclosed of such as the GAP insurance, the truth in lending disclosure as well. I was never aware of the total purchase price of this vehicle and I know I entered into a fraudulent transaction.
Not only was this transaction fraudulent but I also have phone record of Westlake Financial Services harassing me by skip tracing my number, calling multiple times, I even moved to a different state and changed my number because they were harassing me so much in the year of XXXX.
I am requesting that WESTLAKE completely remove this account from all reporting agencies and from furnishing this information to any other sources.
This is no longer a warning. I am also seeking damages due to Westlake tarnishing my reputation and ruining my life. I have not being able to extend credit due to them and I know longer trust the credit process. I have lost my job because of them harassing me at my job, as well.
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
|
After carefully reading and reviewing all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " Westlake Financial Services ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession.
I never had any car loans or car leases with this Westlake Financial Services company and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from Westlake Financial Services has been on all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. Westlake Financial Services is reporting to all 3 of the national credit agencies XXXX, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever.
I have called this Westlake Financial Services company in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, XXXX, XXXX and XXXX XXXX.
After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from Westlake Financial Services in California is still appearing on all 3 of my national credit reports ...!
|
| 12/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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THIS IS ANOTHER COMPLAINT BECAUSE MY LAST COMPLAINT XXXX DID NOT GET RESOLVED. They still did not send my refund check BUT I received a letter in the mail of a copy of my response so I know they have the correct address and just never sent the refund check. In the month of XX/XX/XXXX, I paid my monthly loan bill of $XXXX on XX/XX/XXXX, and they also took out the $XXXX again onXX/XX/XXXX. I wasn’t planning on paying my bill twice that month and it made my checking account negative and I was charged that $XXXX overdraft fee as well. I called them and asked them to refund me one of my payments. They said they could only do it via check in the mail and that it would take up to two weeks. I said ok and waited for it to come in. After 3 weeks, nothing came in and I called them again. They said they would send it again. This went on for 2 months. By then I saw it come off my account so I thought this time they actually refunded it back to me and still got nothing. I called them and they said it could go back to my account (when all the other times no one told me this). I thought great and waited for that. Nothing came in and I called a week later and they said they couldn’t even do that and that they would send it again. I tried having them send it to another address as well and it is now the end of November and I still have not received my refund AND it’s not on my account anymore. The last time I asked for it I asked for a tracking number and they said there isn’t one available I just have to hope for the best and wait. They told me they added notes to the account as well. I asked for a copy of the notes emailed to me and they said they couldn’t do that.
|
| 11/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Called XXXX XXXX found online at XXXX on XX/XX/22 to inquire about a loan. Was transferred to Wilshire credit spoke with XXXX XXXX whom told me all they do Initially is a soft pull on XXXX. I gave him my partial ssn then stopped and asked him again and he reassured me only a soft pull would be done at this time. Well XXXX XXXX after giving him the rest of my ssn I checked my XXXX online and there was a hard inquiry from nocom/Wilshire credit XXXX I have repeatedly called them and they insist they only do soft pulls. I have contacted nowcom at XXXX I was told XXXX from compliance would get in contact with me XXXX and this has never happened. XXXX has removed this inquiry based on fraud but Wilshire credit is lying to consumers about doing soft pulls. On XXXX XXXX web site it says nothing about Wilshire credit and that its a tittle loan company. This is a scam they never have admitted it was a hard inquiry I even screen shot my credit report and showed them through email. Supposedly it was sent to upper management and the response was its only showing as a soft pull on are end I spoke with XXXX XXXX again he said he would call me back and that never happened. My application # was XXXX which was denied but thats ok I got a loan from a credit union with no issues. Wilshire credit is giving customers fake information probably just to generate loans to get more buisness. My phone # is XXXX for any questions you may have. I also have XXXX XXXX phone number which I can provide if needed. I spoke with a supervisor with Wilshire XXXX XXXX and he said pretty much said his hands are tied. Please reach out to me for any further information. Thank you XXXX XXXX.
|
| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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On XXXX I purchase and receive a XXXX XXXX XXXX financed through U.S. Auto Sales XXXX monthly payment was XXXX and XXXX Biweekly. On XXXX XXXX I receive an email from U.s Auto Sales stated effective XXXX the servicing of the account referenced above will be the servicing of the account transferred from U.S Auto Finance Inc to Westlake Portfolio Management LLCs,. On XXXX at XXXX I received welcome letter from Westlake Portfolio Management LLC I called immediately after receiving the welcome letter I ask could they provide me a updated contract from their company Westlake stated they did not have my contract and they could not provide me any copies. Per trying to obtain my contract for months I never XXXX provide one my current lienholder states US Auto Sales and not Westlake Portfolio Management which per my research is a debt collector and not a financial institution. Per my contract signed with Us. Auto Sales if I or US Auto sales may rescind the retail installment sales contracts to a financial institution which Westlake Portfolio management is a debt collector. Which means there is a breach in contract US Auto Sales went into bankruptcies in XX/XX/XXXX. Westlake is now showing up on my credit report has I have a open loan with them with no contract and also Westlake has put my car in repo status but Us Auto is still my lienholder. It so much going on and I need my car it is my way of going to work and XXXX things in life to be mistreated misused the way Us Auto Sales and Westlake are doing us I have filed a compliant with the Dmv in my regions as well as a lawsuit against both Us Auto sales and Westlake Portfolio I have attached all documents.
|
| 10/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX.
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs.
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working ....
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman ..
-
|
| 03/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This is my complaint. Thank you for your help.
Westlake Financial Services, XXXX XXXX, CA Re : XXXX XXXX XXXX loan Acct : XXXX I purchased a vehicle XX/XX/XXXX from XXXX, XXXX and they secured financing for me through Westlake Financial Services in XXXX XXXX, CA. I paid off this vehicle in 6 months on XX/XX/XXXX ( see attached statement ). I called W.F. on XX/XX/XXXX to inquire about the status of the payoff and my car title. I was told the title was processed and sent to the creditor, XXXX XXXX XXXX. I have no idea who XXXX is, or why Westlake would send them my title!! She then asked me if I still have the car, where is the car, did I payoff the car myself? ... all crazy questions. Yes, I have my car. I kept asking who is XXXX, and why did you send my title there? She said to call back on Monday, XX/XX/XXXX and speak to the Title Dept.
I called back on Monday and spoke with XXXX in the Title Dept. She needed to research but would call me back. She called back and left a voicemail but no details, andno phone number to contact her directly. I spent the next 2 hours trying to call and get her on the line but kept getting disconnected and/or rerouted. I demanded to speak with a manager and was connected to " XXXX. '' He also looked up my account and said he needed to forward the matter to the Title Dept and instructed me to call back in 2 days. I asked why someone can't call me back instead, and he said they just needed me to call back. Now with the Coronavirus around, I'll be on hold for hours and don't have time to waste with these incompetent people. My title is missing and I want it corrected and issued ASAP. Thank you again for your help!
|
| 11/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I XXXX L XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
|
| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!
|
| 05/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
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
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
For several months, I have been trying to refinance my vehicle with the initial promise of being able to refinance within 6 months of purchase - regardless of credit score. Even with a cosigner with excellent credit, I have been denied all attempts to refinance the car. The lender is making it impossible for me to be able to make my payments, because they are having me go to XX/XX/11 locations to make cash payments directly to XX/XX/11 to complete the payment to the lender, a hassle in and of itself. Additionally, facing hardship due to my service-related XXXX that have caused me not to be able to attain secure employment. These service-connected XXXX are causing me to currently be in-process of being declared 100 % XXXX and unemployable through the VA. The dealer made false promises to me, saying that I would be able to refinance within six months, that has certainly not been the case. It has been virtually impossible to get out of debt with this vehicle without negatively affecting my credit since the interest rate of an obscene 21.5 %. On top of everything else in paying for the car, XXXX XXXX XXXX XXXX has repeatedly called me from multiple numbers after I have explicitly told them to stop calling about payments, and I make payments as I am able to make payments. They have continued to harass and call at all times of day, including the middle of the night. All of those things combined - false promises being made and then not followed through on, being unable to refinance even with a cosigner with great credit, being unable to achieve gainful employment due to my VA XXXX status, and phone call harassment, this has become a nightmare.
|
| 06/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.
|
| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
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Violations 1. Down Payment +Pursuant to 15 USC 1605 ( a ) Thefinance chargedoes not include charges of a type payable in a comparable CASH transaction.
A down payment was advertised in order to extend credit.
2. Unlawful Repossession 1. Extension Posted XX/XX/XXXX 2. Payment made on XX/XX/XXXX in the amount of {$270.00} REF : XXXX XXXX. Repossession Expenses {$420.00} incurred on XX/XX/XXXX.
4. Repossession occurred after payment which means account not in default 5. I spoke with a rep who admitted she wasn't sure why it happened if I made a payment but, didn't fix the problem and refused to help me resolve the issue.
3. Violations During Repossession 1. Breach of Peace incurred. Vehicle repossession from Private & GATED community. There is no PUBLIC access where the repossession occurred. Repossession company was not granted access to the secured area.
2. Violation in pursuant with Universal Commercial Code that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumers objections ; or ( 2 ) TRESPASS in order to gain possession of the collateral.
4. Repossession Expenses 3. On XX/XX/XXXX Payment was made in the amount of {$2000.00} ( REF XXXX ). I instructed rep to apply it to repossession expenses. Rep did not apply it to expenses and instead towards monthly payments.
+ In Pursuant to 15 USC 1692 ( h ) shall apply such payment in accordance with theconsumers directions.
5. I've also asked on many occasions to produce the paperwork however, representatives frequently transfer me to incorrect departments and refuse to provide me with information that I have a right to receive.
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| 10/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX my vehicle was illegally repossessed by Westlake Portfolio Management. Allegedly they say I owe them money for a XXXX XXXX XXXX XXXX which I have no standing contract with them nor has one ever existed. The company I originally got the car from was XXXX XXXX XXXX which was permanently shut down in XXXX of XXXX. Im not sure what happened to the company I believe they went bankrupt but I am not 100 % sure the case that caused their abrupt closing indefinitely. Now Westlake Portfolio Management has taken it upon themselves to repossess the vehicle because they claim that I am behind on paying them. I do not know who these people are nor have I ever entered into a verbal or written contract agreement with them. According to title 15 USC 1692f they are in violation of my rights as well as 15 USC 16802 and 15 USC 1692. Also the vehicle was taken without a court order from a judge. So this was a non judicial repossession committed by this company which is an illegal act. It is against the LAW. Since the repossession I have lost my job, I have been behind in my bills, I can not see my son as I use too for he lives two hours away and I do not have transportation to see him or let alone pick him up. This companies disregard for the law has turned my life upside down making the livelihoods of me and my family almost incorrigible. I have tried calling to speak with a supervisor but they always leave me on hold or say some one is going to call back. Its been almost two weeks since I last spoken to one of their scamming representatives and yet have I gotten a phone call in order to try and reach a peaceful and lawful resolution.
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| 07/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.
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| 08/17/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.
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| 07/01/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I took out an auto title loan with Wilshire Consumer Credit on XXXX/XXXX/XXXX. I had a XXXX GMAC Envoy worth about {$6000.00}. I took the loan out for approximately {$3500.00}.
The vehicle motor gave out at {$200000.00} miles. I requested that the lender pick up the car to settle the debt. They picked up the car and sold it in auction. I never received received any documentation of the settlement. I was told vehicle was sold. This company is reporting this debt in all XXXX XXXX repositories, XXXX, XXXX, XXXX as charge off XXXX balance due. They have a DBA called Westlake Services that is reporting on all three repositories, XXXX, XXXX and XXXX open date XXXX/XXXX/XXXX. This is 12 days after Wilshire Consumer Credit report date of XXXX/XXXX/XXXX. They are the same company. I need this creditor to to remove the creditor Westlake Services with a balance of {$4700.00} to match the XXXX balance as reported by their sister company Wilshire Consumer Credit that shows a XXXX balance. I need the balance of Westlake Services Services as XXXX owed or they need to delete Westlake Services from all the repositories.. This negative balance odf {$4700.00} is affecting my credit utilization on all three repositories. If you look up the reviews with Consumer Affairs and the RIPoff report. This company has a bad reputation. I need my credit report XXXX with this balance of {$4700.00}. They are trying to ruin my credit by trying to report the same information differently. Please have this auto title company remove this balance. I do n't owe it. It should match the same history report as a Wilshire Consumer Credit.
Thank You, XXXX XXXX : - )
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| 08/12/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in regards to the alleged debt you claim I owe. I am formally requesting debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
I have been contacted by your company, Westlake Portfolio Management, about a debt purportedly owed to you. However, I dispute the validity of this debt and request that you provide the following information for verification purposes : The original signed contract between myself and U.S. Auto Finance , Inc. and US Auto Sales Inc, if applicable.
A complete account history, including all charges, interest, and fees that make up the alleged debt.
Proof of your legal right to collect this debt, including documentation showing that you are authorized to collect debts in my state.
Until you can provide the requested information and validate the alleged debt, I request that you cease all collection efforts, including phone calls and letters.
Please note that I am aware of my rights under the FDCPA, and any violation of the act will be taken seriously.
You have 30 days from the receipt of this letter to respond to my request. Failure to provide the requested information within this timeframe will be considered as your acknowledgment that the debt is invalid, and all collection activities must cease.
Please respond in writing to the address provided above.
Thank you for your prompt attention to this request.
Sincerely, XXXX XXXX XXXX
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| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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After purchasing a vehicle from XXXX XXXX XXXX years ago, my loan amount remained the same from the day I drove off the lot. It took {$3000.00} to drive off the lot. The total amount to be financed was {$9500.00}. When I contacted my financial institution, XXXX XXXX XXXX out of XXXX XXXX, I was told I am paying a {$6.00} interest rate daily until my auto loan is paid in full. An interest rate was already factored into the agreement and the paperwork I have on hand does not state that to be true. I requested a copy of the contract between myself and XXXX XXXX XXXX and their response was I am not on their contact list. I proceeded by asking " What such thing? If I have an open account why do I need to be on a contact list. '' Nevertheless, I proceeded and asked how do I get back on the contact list and I was told to write a letter and send it by email. So I did and I immediately started receiving spam calls, messages, and emails. I was told I couldn't make online payments and I had to call XXXX XXXX XXXX to make payments or send via XXXX XXXX. I have paid over {$7000.00} on this car just for it to still be at the same amount of {$12000.00} 2.5 years later. I still have not received a copy of the contract that I requested and it has been over 30 days. Another complaint is that they are charging me an ACH return fee of {$30.00} a month for 2.5 years and I've never had this account linked to a bank account for automatic drafts. When I brought this to the rep 's attention, she said I do not have an auto-pay setup. ONLY XXXX OF THE {$300.00} A MONTH IS GOING TOWARDS THE PRINCIPAL!!!!!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!!!
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| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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XX/XX/XXXX I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX S.C.. In XXXX my wife was laid off from her job, and began the search immediately. We had a small cushion to get by on and still maintain our finances. XXXX things had begun to tighten up and we started to get behind. By XXXX US Auto had disabled our car, not allowing my wife to look for work. Come mid XXXX or early XXXX we had seen on the news that all US Auto dealerships were closed. I began calling numbers given to find what was going on, however the numbers were leading to businesses in New Jersey, Texas. None dealing with autos. By the end of XXXX I recieved an email from US Auto to start forwarding my payment to Westlake Portfolio Management. I instantly XXXX this company to find nothing but horror stories for reviews of others that had the same scenario happen only to pay off the vehicle only to be told to pay thousands more to receive their titles or never receive them. Upon investigating further I called the XXXX which held the warranties and gap coverage to find US Auto had not paid for the warranties a year before I had even purchased this vehicle, this made my contract null and void the very minute I applied the ink to it. This was Breech number 1. This contract also states that any changes whatsoever would have to be signed by myself and US Auto, when the contracts were supposedly bought by XXXX this was breech number 2.
XXXX has yet to call me, I have had a few emails and three letters delivered I am now being threatened to have my car repoed.
I refuse to pay another XXXX, to either of these companies because they have committed fraud!!
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| 02/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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On XX/XX/XXXX I obtained a title loan through Wilshire Consumer Credit in the amount of {$3600.00}. Unfortunately I fell behind on the payments and on XX/XX/XXXX the vehicle was repossessed.
However I was informed by the loan company that I had until XX/XX/XXXX to pay off the remaining balance of {$4700.00} and regain possession of the vehicle. On XX/XX/XXXX I made a payment through XXXX for the amount of {$4700.00} and cleared the entire balance owed to Wilshire Consumer Credit. They have acknowledged receipt of the payment and have updated my account with this information which now reflects no balance due. I was provided the information for the auction company which is storing the vehicle and was informed to get in touch with them in order to pick up my vehicle.
The issue is that I am not able to do so as the tags were removed and destroyed by the tow company. I've contacted my local tax collector 's office/DMV and was informed by them that as of XX/XX/XXXX the vehicles title is no longer under my name but was transferred to Wilshire Consumer Credit by them. As such I am not able to register the vehicle or obtain duplicate tags.
As stated by Wilshire Consumer Credit I had until XX/XX/XXXX to make a lump sum payment on the loan and obtain my vehicle. Yet eleven days prior to this they canceled the lien on the title and transferred ownership from myself to their company. It is my belief that Wilshire Consumer Credit improperly and perhaps illegally took this action which has now made it impossible for me to regain ownership and possession of my property. Property which they fully acknowledge is rightfully mine.
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| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In XX/XX/2022, I purchased a car from XXXXXXXX XXXX XXXX XXXX ' located at XXXX XXXX XXXX NY XXXX The sales representative gave me all the loan details directly from 'Westlake Financial ' who needed to have access to my credit report in order to make the sale. Once I made my downpayment, the sales representative told me I would receive a call from the Westlake Financial office to ask some questions regarding the sale and details of the car.
A few days later I spoke with a Westlake Financial representative who indeed asked me questions about the car and the details of the sale. However, he did not express needing to obtain an additional copy of my credit report. Im positive he had the copy on file, as I would not have been able to enter the loan agreement without their access to my report. I am confused as to why he or someone in that office, pulled an additional copy of my credit report.
Ive inserted a partial screenshot of my credit inquiries from XXXX. I circled the first day Westlake Financial was given access to my credit report on XX/XX/2022 through XXXX XXXX XXXX XXXX. Then on XX/XX/2022, post-sale, they accessed it again without my permission and necessity.
I am not okay with the Inquiry made on XX/XX/2022. The additional inquiry was Unnecessary. It seems as though someone in the Westlake Financial Office decided to make an unauthorized use my social security number, to access to my credit report that was - and should - already be on file. Unbeknownst to me, even if a copy was in fact needed, that could've been obtained from XXXX XXXX XXXX XXXX The XX/XX/XXXX inquiry should not be on my credit report.
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| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a XXXX XXXX XXXX from US Auto Sales. I had full coverage with XXXX and the gap coverage from US Auto Sales. I ended up totalling my car around the end of XXXX this year. XXXX covered their part and gave them their check. When it was time for the gap to cover the rest, that's when I found out they just got bought out by Westlake Portfolio! Who, while still in transition, is missing a lot of paperwork and doesn't know ANYTHING about my gap coverage with US Auto! Luckily, I happened to have a copy of my gap in my new truck. So I proved to them that I had it, and they told me that I'm all paid up and my balance was XXXX. That was around XXXX or XXXX. And now, on Saturday, XX/XX/XXXX, they send me an email telling me that I still owe {$2700.00}! And it's going to go up everyday XXXX until I pay it! They told me to check with XXXX XXXX, who is in charge of my gap coverage. They told me that I was correct, and that the rest of it should be covered by the XXXX. So I gave them a call. And they told me that they don't mind paying it, but they don't see anywhere that they had to. And all I need to do is show them in the contract and they will. XXXX XXXX say that they don't have the contract, and I should call Westlake, because they are supposed to have it. I call Westlake, and guess what...??? They don't have it, either! And had the nerve to tell me that they are going to email US Auto Sales and try to get the information. ( How are you going to email a company that you've taken over and no longer exists )! So now, I'm stuck in this situation and I have absolutely NO IDEA what to do! Please help me ... if you can.
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| 07/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX of XXXX. I went to XXXX XXXX to get a vehicle, I didnt like any of the vehicles they had on the lot but they said they can get the vehicle Im looking for shipped to the dealer. I wanted a XXXX XXXX XXXX they showed me pictures of the vehicle and said it would be at the dealer ship in a week so I agreed to put a down payment of XXXX for the vehicle. A week went by and nothing then another week and he kept saying that there is a delay with the transaction between the dealer and the owner. I went to dealership a couple of days later and he said he found another one and it would be at the dealership tomorrow, he had me sign paperwork for the bank and said the bank was going to call me about the vehicle he told me to let the bank know I have the vehicle even though I physicallly did not but the owner had shown me pictures and information on the vehicle.
I kept calling and texting the owner about the vehicle and he said he still did not have it so I said I wanted my down payment back because I really needed a vehicle and this was all going on for a month. I got my down payment I called the bank sent them proof of conversations between the owner and I that I never had the vehicle and the bank said they would reach out to XXXX XXXX and then they said in the meantime I am responsible for the vehicle and would have to make payments in the vehicle even though I never physically had the vehicle.
The bank proceeded to put that account on my credit as a repossession and it is affecting my credit, I would like to have that removed as I talked to them and sent them proof of me never having the vehicle in my possession.
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| 06/26/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I purchased a vehicle ( XXXX XXXX ) from us auto sales with a 2 year warranty agreement back on XX/XX/XXXX and before I could make it home the vehicle broke down and had to be towed back to the dealership, the transmission was done. I went back the next day and was put into a XXXX XXXX and mid XXXX, the engine goes out. It sat until XX/XX/XXXX because of the back and forth of who is required to do what. I got my vehicle back and not even 2 months, it's down again, this time needing a transfer case and this is when I find out that us auto sales had but been honoring their end of the warranty contract because they weren't paying dowc ( the warranty company ). I'd made almost {$3000.00} worth of payments by this time, but couldn't get my vehicle fixed under a warranty that I'd been paying for that the dealership was taking. I asked us auto sales about deferring a few payments if I had to pay out of pocket for the repairs and was told they would look into it and the next thing I know, I'm getting emails from Westlake portfolio management, which is a debt collection agency that apparently us auto sales has sold/transferred their debt over to because I was never in debt with them. I wrote a letter on XX/XX/XXXX to Westlake portfolio management disputing the information in which they have because I never signed anything with them and was never informed from us auto sales of the transfer. Because us auto sales seems to be out of business or currently in a state of bankruptcyXXXX there is no one to uphold the contract, they voided our legally bonded contract by stealing money and not honoring the terms as agreed.
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| 05/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I got a car loan through Western Funding, on XX/XX/2015. I had the car XXXX week before it started breaking down and leaving me stranded with my baby on side of the road, I had the car towed to the car lot per/ Western Fundings orders, after they fixed the engine pully that broke and stranded me and my 2 month old daughter I had the car 2 days after the car lot worked on it and the car completely quit so I called Western Funding yet again and of course they told me to have it towed back to the car lot so here I go spending another {$170.00} for towing fee, the car lot tells me that the car is a lemon and they want to give me a different car. I agreed, the bank aka/Western Funding also agreed, but then tells me I need to put ANOTHER {$2000.00} downpayment on a car that was {$3000.00} cheaper than the previous car, the sales man and I both was confused on to why I need to pay more of a downpayment, so I told Western Funding NO I couldn't afford another downpayment I had just given them {$3000.00} downpayment 2 weeks ago, so now not only am I without a car I'm also without the {$3000.00} downpayment I had just gave them, Western Funding refused to give me any of my downpayment back which when I originally opened my Auto Loan account with Western Funding they told me I had 30 days, if the car broke or was faulty I cod get my deposit back, and that it would NOT go against my credit. Well that's all a LIE they have 2 REPORTS on my credit and refuses to stand for HONESTY AND DIGNITY.. they are scam artists they tell you what you NEED to hear in the moment of need and XXXX YOU AS SOON AS YOU BECOME THERE CUSTOMER
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| 07/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I recently had a vehicle that was behind XXXX months in payments. I called and was told I need to make XXXX to catch up my payments and STOP repossession actions. I was finally able to do this and made a payment of XXXX. Then another XXXX a week later totaling XXXX in XXXX month. My intial payments are just XXXX. These payments where made on XXXX XXXX.
My next pay came along XXXX days later in which I was only XXXX behind and now just XXXX days late. While outside I see the repo man looking for my vehicle! After making XXXX on my prior payments they never called off the repossession! I am only now XXXX days behind and owe only XXXX but they sent someone to repo my vehicle. I was told of this happen I will now owe the FULL remaining loan payment of XXXX in full!
I have called and been hung up on! Spoken to rude and disrespectful customer service representative, that just speak over you or hang up!
They also blocked my account online that I can no longer make payments online. When I try to call and make a payment I can not get through the automated system to pay that way.I have to try to get a customer service representative.
When my XXXX calls to try to make a payment she is hung up on or they intentionally remove her name from my file. Removing her name causes her not to be able to access my account. The company is making it difficult for their customer to catch up on their payments and when they do catch up they still dont cancel the repossession. They also make it difficult to make payments. I am still locked out my account and cant even pay XXXX online! I have to call and jump through loops!
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| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that WESTLAKE FINANCIAL SERVI XXXX was reporting a couple of late payments for the months that I paid on time. I should not have any late payments with this company. I requested that they be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, this account was deleted form my credit report. I specifically typed in my complaint " please do not delete this account ''. By this accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for WESTLAKE FINANCIAL SERVI XXXX to begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. WESTLAKE FINANCIAL SERVI XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion reflecting the changes.
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| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have my car loan through Westlake Financial, Any time you are even a minute late on your payment ; even if you call them, explain why youre late, tell them when to expect youll make your account current - even after you ask them to limit the calls .... they call non-stop. Anywhere from 6 to as much as 10 times for the day. Equal calls one behind the other to my home and cell phone. Even to my old job where I have not worked for almost 2 years! Most of the time when I pick up its in the middle of a recording or it rings and hangs up. When I do get a person, its a few moments after asking hello multiple times as if it auto dialed me. This company, has also repossessed my car in the past. I was only 2 weeks late, I spoke with them about it, my monthly payment is {$410.00} but at the time I only owed a remainder of {$120.00}. It cost me {$700.00} plus another fee they put on the back end of my loan, to get my car back. Because we paid quickly, they assured us it would not appear on my credit score and it did. I was tanked by -100 points! Devastating! This company has ruined my life. Subprime loans should be illegal. I have begged to have my monthly amount lowered due to extreme hardship, I have done everything in my power and they have just repossessed my vehicle again. My payoff quote far exceeds what my contract is for ... its an extra {$7000.00} dollars on top of what the car is worth and even then, it wasnt worth what I agreed to. ( {$18000.00} ) The agents are nice until you are behind. Ive had a girl badger me and continue to interrupt me asking why didnt you just pay your car note?! Repeatedly!
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| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Good Afternoon I am here to submit complaint against Westlake Financial the lender of my auto loan. Westlake Financial has my account in a charge-off status as of XXXX XXXX XXXX Which I have continued making payments since XX/XX/XXXX. In XX/XX/XXXX I have continually requested a written Payoff quote. Which Westlake Financial failed to provide until XX/XX/XXXX through email. The reason for the written payoff quote was I filed a Class Action Against The XXXX XXXX for the BUYBACK program due to having a continue recall part that has been replaced multiple times. Which I was AWARDED in XXXX of this year through XXXX XXXX XXXX XXXX. XXXX XXXX has been patience and supportive trying to get the payoff taken care of in timely manner. Which once again Westlake Financial prolonged until XX/XX/XXXX. Now where things stand, Westlake Financial has weaponized me with the REPO with the condition I would pay {$100.00} to put a 72 hour hold thereafter I would have continue paying an extra {$100.00} for 72 hour hold until they receive the Payoff amount from XXXX or Myself. Looking back at the Payment History I started questioning why I was charge interest showing payments didn't go to Principal of my loan. First charge was in XX/XX/XXXX when my contract stated first payment not until XX/XX/XXXX. When asked Westlake Financial responded " You sign Retail Installment Sale Contract Simple Finance Charge ''. Which was NOT explained at the time of purchase. This has been the biggest nightmare of me life. It has affected my credit huge. I thank you for taking the time to hear my concerns with Westlake Financial NIGHTMARE.
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| 11/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.
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| 03/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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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.
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| 10/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
Westlake Financial The right to an accurate, timely credit report is the rights consumers have by law.
The FCRA acknowledges the need for accurate consumer credit information for the banking system to work smoothly. And so, the law gives consumers the right to have inaccurate, incomplete, and outdated information removed from their credit reports. I have disputed many times with the credit bureau XXXX consistently. It has been well over 30 days and the errors being reported have not been corrected. The date of purchase for this particular vehicle in question I have requested due to inaccurate reporting. The payment history starting with the very first payment that was paid. The payment on XX/XX/2018 of payment in full and then another payment being made on the XXXX of XX/XX/2018 and then reporting that following XXXX of only a {$50.00} payment and asking for a payment forgiveness which then was reported delinquent or past due for that month of XXXX. The beginning balance of the loan and the purchase amount are inaccurate. The ending balance that is saying charge off amount and of bad debt is also inaccurate. Due to the many attempts to reach out to Westlake Financial to update the errors of the reporting of my credit report and the effort they have shown to NOT correct there inaccurate reportings by law and by the rights of consumers with investigation and reinvestigation I am requesting with prompt demand that all prior and from here on to date that Westlake Financial STOP, REMOVE and DELETE any and all acts of reporting to all 3 credit bureau 's effective immediately.
Thank you
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| 12/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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ON XX/XX/2019 I MADE AN ATTEMPT TO CONTACT WEST LAKE FINANCIAL SERVICES REGARDING AN ACTION TAKEN ON AN ACCOUNT. IT IS TO MY KNOWLEDGE I WAS NEVER NOTIFIED ABOUT THE INVESTIGATION AND I AM A CO-SIGNER ON THE ACCOUNT. WHILE TRYING TO GET INFORMATION REGARDING THE INVESTIGATION I WAS ASKED PERSONAL QUESTIONS OVER THE PHONE SUCH AS MY LAST FOUR NUMBERS OF MY SOCIAL SECURITY AND MY DATE OF BIRTH. I FELT VERY UNCOMFORTABLE IN ANSWERING THOSE QUESTIONS SINCE I WAS NOT FACE TO FACE OF THE PERSON ASKING THE QUESTIONS. THE FIRST PERSON I SPOKE WITH WAS XXXX WITH THE CUSTOMER SERVICE DEPARTMENT. I ASKED TO FURTHER SPEAK TO A MANAGER IN THE WEST LAKE FINANCIAL SERVICES DEPARTMENT AND SHE CONNECT ME TO A SUPPORT PERSONNEL MANAGER NAMED XXXX XXXX. THIS LADY WAS A REAL TRIP. MY CREDIT REPORT HAS THESES PEOPLE NAME LISTED WITH ME BEING RESPONSIBLE FOR PAYMENT IF THE PERSON THAT PURCHASED THE VEHICLE DO NOT PAY, BUT DID NOT WANT TO DISCUSS WITH ME ANY INFORMATION UNLESS I GAVE MY PERSONAL INFORMATION OVER THE PHONE. JUST EARLIER THIS MONTH WEST LAKE SENT DOCUMENTS TO MU EMAIL ADDRESS FOR MY SIGNATURE ELECTRONICALLY WITH ASKING ME FOR PERSONAL INFORMATION. WEST LAKE HAS IN THE PAST NOTIFIED ME OF THE ACCOUNT BEING LATE, BY US MAIL, BUT STATED THEY NEEDED MY PERSONAL INFORMATION. WHEN USING POSTAL MAIL ANYONE CAN OBTAIN THE MAIL AND GET A PERSON PERSONAL INFORMATION. SINCE THE US POSTAL SERVICE IS CHEAP, WEST LAKE DON'T SEE THAT AS A POTENTIAL THREAT. I WAS NEVER NOTIFIED ABOUT SERIOUS ACTION BEING TAKEN AGAINST THE ACCOUNT, BUT WOULD MAKE ME A VICTIM BY PLACING A NEGATIVE MARK ON MY CREDIT REPORT
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| 07/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a vehicle loan with XXXX XXXX for account # XXXX. On XX/XX/2022 my vehicle was repossessed incorrectly. They were claiming that I had not made a payment for 66 days and my account was past due. I told them that was inccorect and provide all my conformation # 's for my payments that were made. They checked their system and saw that I was correct and said they would bring my vehicle back and unwide the repo from my credit and any fee 's due to this mistake was going to be removed.. On XX/XX/XXXX they sent me a letter stating that due to my lack of payment on the account they were going to be selling my vehicle on XX/XX/2022 on or around XXXX XXXX I called and they explained that the letter generated " Before '' they could unwind the repo because they are busy and it takes days to complete something like that. I asked them to guarentee me that my vehicle would not be picked up again and that this was coming off of my record and they said yes. Now here we are on XX/XX/2022 and I received an email stating that I owe {$1500.00} and that out of that amount supposedly some of it is fee 's from the repo. The amount and the fee 's are both totally incorrect and I am in fear that they will repo my vehicle again incorrectly. I need all the fee 's they are claiming incorrectly off of my account, the repo unwinded and for me to stop getting incorrect emails. All this is causing so much stress on me. I am constantly having to call them when I get stuff like this which resolves nothing because I can't ever speak to a manager and all the " Customer Service reps '' are always extremely rude.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last XXXX digits of the social security listed do not match my personal information.
XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by Westlake Financial on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed.
It has come to my attention that Westlake Financial has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions.
I hereby demand that Westlake Financial rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood.
Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies.
I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from Westlake Financial should be in writing and strictly limited to the resolution of this issue.
Thank you for your understanding and cooperation.
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased my XXXX XXXX XXXX from American Car Center in XXXX XXXX XXXX, Arkansas. The date of purchase was XXXX XXXX. The amount to finance the vehicle was {$27000.00}. This vehicle was financed through the original lienholder American Financial.
Unfortunately, American Car Center and American Financial " ABRUPTLY '' went bankrupt in XX/XX/2023. I received a call in XXXX from a Westlake Portfolio Management Representative stating, " They are the new lienholder handling my account now and all future payments should be forward to them ''. As a result of them purchasing my account for an undisclosed amount from American Financial, they decided to terminate my limited warranty and additional coverages in my original lease agreement in an email sent to me on XX/XX/XXXX. Since this occurred, I have sent them certified letters repeatedly requesting that they email me all original documents as proof that they own my account and the right to collect on it. They have REFUSED AND FAILED to provide me with all the original documents for my account with no response to my letters. In addition to the mental and emotional stress dealing with Westlake Financial Services, my vehicle was determined to be a " TOTAL LOSS '' by my insurance company due to the tornado damage it suffered on XX/XX/XXXX. With a " LETTER OF GUARANTEE '' from Westlake Financial Service, they agreed to a settlement with my insurance company for the cash value of the vehicle which allowed me to retain ownership of the vehicle. My insurance adjuster sent me a voice message on XX/XX/XXXX to confirm the settlement agreement.
|
| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I purchased a vehicle from US Auto Sales in XX/XX/XXXX. The first 2 months I had no issues. So, I went to try and trade my car in because US Auto Sales wanted nothing to do with me once I purchased my vehicle. If i was not calling about making a payment, they were very dismissive. I ended up taking my car to XXXX and XXXX and they stated they wouldn't be able to take the car without $ XXXX or better because the car has so much negative equity. I showed my contract that I had with US Auto Sales and almost everyone said the exact the same thing. When informed, I was overpriced and my payments are excessive, I immediately called US Auto Sales. Again, I was dismissed and actually hung up on a few times. I've always said after that experience I would NEVER refer ANYONE to them. The times I would make my payment, my car would beep and then be off by the next morning. They've turned my car off on me at gas stations, work, doctors appointments, and i wasn't even past due just a " system error '' on their end. It was always something with them. And here they are now facing a lawsuit. WELL DESERVED! I knew something was not right about them, but they were literally the only company that approved me, when I was in XXXX need of a car. They prey on vulnerable individual 's. {$480.00} sometimes when i would call it would be {$590.00} A MONTH for a XXXX XXXX XXXX and was priced for {$23000.00}. If I knew THEN, what I know now I wouldn't be filing a complaint. Thank you all for taking action against this company, I'm grateful for that alone, clearly they've been doing this for a very long time.
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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I paid XXXX to Westlake Financial in XX/XX/2021 to pay off the loan. I checked my credit reports and it did not reflect that it was paid of as of XX/XX/2021. Furthermore the bigger issue is that all my credit reports ALWAYS showed " Current and Pays as Agreed '' with no late marks at all. Now that I paid it off, Westlake has put on the account that I am currently 120-149 days past due and it has seriously damaged my credit. I contacted Westlake and spoke with a representative around XX/XX/XXXX or so and discussed this issue. He looked at the account and agreed it was an error. He said that they would correct it and it should take 5-7 days. Upon checking my credit reports again on XX/XX/XXXX, I see that the remarks still show that I am currently 120-149 days past due.It also says that I am 180 days past due and affected by a natural disaster.This is false reporting!!! ... ... It is not even reflecting that I paid the entire balance off more than a month ago. When I reached out on XX/XX/XXXX again, a different rep started talking about my payment defers that I have had. I indicated that those were payment deferrals and I was told that is not considered late. My credit report has ALWAYS shown on time with no payments over 31+ days. I expressed several times that the reporting needs to show PAID OFF IN FULL and the currently 120-149 days past due remarks to be removed. They try telling me they dont have a way to remove anything. That is incorrect, they are the agency responsible for reporting fair and accurate information. They are in violation of FDCPA and have damaged my credit.
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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US Auto close down in XXXX. I was not aware of the close until late XXXX because I could still pay my car note through the website until I went in to pay on XX/XX/XXXX and I could not due to the website being shut down.
I never received a notice from US Auto or from Westlake informing me that Westlake will be taking over my account. I received a phone call from Westlake stating that they were a debut collector trying collect a debut. I didn't know what they were speaking about because they never said they took over my account. When I was finally speaking with some I could understand he told that they had my account that I needed to pay them. He stated that they sent an email. I had him on the phone while I search my emails to find the email they had sent. Never found the email so he said he would send another which I never received. I told him that I understand what he was saying but I needed something showing me what he was saying. There are many scams out here and I wanted to be sure that I wasn't getting scam. He verified my email and said he would send it. I never got it. Then I started getting these emails saying payment due. It has a portal for you to open up but you can't open it unless you have account number which I didn't have. When I tried to speak with someone on the phone it wasn't English. I notice that the total amount on the email they are sending is XXXX XXXXXXXX. That was when I first got the car. I been having the car Since XX/XX/2022 and now they want me start over. They towed my car with a breakdown total amount due XXXX late fee XXXX and towing fee XXXX
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I had an auto loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XX/XX/XXXX my car was repossessed. At that time I learned that XXXX was no longer the lender and West Lake Portfolio Management had assumed my loan from XXXX. I was never notified that West Lake was the new lender, prior to that time my payments were on auto draft from my bank with XXXX. West Lake claims they made attempts to notified me that they were the new lender but I did not receive any emails, phone calls or mail. They also confirmed with me that all my mail was returned to them. I am an XXXX XXXX military and I do move often, West Lake had my current email, phone number and personal references but made no attempts to use that information to contact me. I feel like West Lake did not make adequate attempts to try contact me and repossessed the car prematurely. When my payments didn't come out of my bank account from XXXX, I called immediately but was unable to speak to anyone, operator stated 'not available '. By the time I made contact with West Lake they had already repossessed the car and added substantial amount of fees to the past due amount owed. On XX/XX/XXXX I made a payment in the amount of {$100.00}. I was prepared to pay the full amount that was past due. But due to the excessive fees ( towing, storage, late fees, auction fees, etc. ) which I do not feel that I am responsible for I did not pay. I feel like these fees were avoidable if they had made proper attempts to contact me. I am an XXXX XXXX solider and West Lakes premature actions have caused me and my family a serious hardship.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Westlake Financial Services and I have been having back-and-forth conversations.
Every time I make a payment, they claim there weren't enough funds and assess an NSF fee on top of whatever additional expenses I'm not aware of.
I have often tried to speak to a manager or supervisor but have been told there are never any available. Every time I make a payment, they calculate a different amount. I recently paid a past due sum of {$1400.00} on XX/XX/XXXX, however as of XX/XX/XXXX, they claim I still owe {$1900.00}. They informed me that I owe {$860.00} when I contacted. Information is constantly in dispute. I'm not sure what is being paid at this time, and I can't see my principle balance going down.
Due to the exposure of information to someone other than me, I also asked to meet with a member of their legal team ; however, I was told that they don't have one.
My car has already been declared a total loss, and ever since I've informed them, they've been charging me {$60.00} a day in interest until the payoff is received, which is highly dubious. In addition, they are intentionally causing trouble with the insurance provider by claiming that I have the title when I don't in order to gain more money.
Payments are seldom without issue ; if I make my $ XXXX monthly payment, most of it goes toward interest and very little toward principal. In addition to all of these payment frauds with this firm, I am also concerned that I won't receive a difference in thepayout owing to their methods and may not be able to purchase another automobile, which has been very frustrating for me.
|
| 09/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
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On XX/XX/2022 and XXXX Kentucky I paid {$5000.00} down at American Car Center. My lease agreement was for a 3-year term with a major parts warranty for 3 years as well as 6 free oil changes. Within 90 days of this transaction I was informed through XXXX that American Car Center had filed for bankruptcy. Several weeks later I was sent a text stating that Westlake Portfolio Management would be handling ACC accounts. Unbeknownst to me Westlake Portfolio Management is in fact a debt collector that purchased the loans on the vehicle. From what I can tell with my online accounts there has been some fraudulent calculations regarding the money that's been paid towards this vehicle. I am unable to get my car tags renewed because of the shady business deals. For 9 months I have been under such a great distress because this vehicle is the only vehicle my household has to get to important medical appointments. I have learned through several social media groups that hundreds of people has had their vehicles repossed even after paying their payments. I feel like ACC knew exactly what was going on and they tried to get all of the money they could from the consumers before they close the doors. The day that this vehicle was leased the entire transaction seemed shady but at the time I was under a significant amount of pressure to obtain a vehicle because the vehicle I had prior to this one was totaled when I hit a deer. I would like to file a complaint and find out furthermore if any legal action can't be taken against either of these companies. They have not upheld the end of the contract.
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
|
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My car was recently repossessed on XXXX XXXX due to missed payments. My original lender, USAuto Sales, has permanently shut down and handed all of their information to a new lender, Westlake Portfolio. Ever since the sudden switch roughly 2 months ago, I havent been able to make a payment due to them not being able to access any of my information such as my SSN or my vehicles VIN. I was sent in cycle of me calling and being told to call back in a week. Just recently on XXXX XXXX we finally reached an answer, the reason they couldnt pull up my account when I provided MY information such as my SSN and VIN Number, was simply because they have someone elses SSN attached to my vehicle! Instead of acknowledging the mistake they made I was told since an account existed with someone elses SSN that it still falls on me for being late even though they had the wrong SSN. To add on to that, instead of fixing THEIR mistake, they decided to provide me with someone elses FULL SSN and I was told to use their SSN to enter the account make a payment of {$1500.00} in order to receive my vehicle back. I was extremely upset with this decision and make it clear that I was very uncomfortable with using someone elses SSN to make a payment on my vehicle, the lady I was speaking to became more agitated and proceeded to tell me there wasnt anything she could do for me besides decrease the price by {$30.00} until XX/XX/2023. I dont feel like what their doing is legally acceptable, under no circumstances should they be okay with giving out someones SSN so willingly! I dont know what to do from here.
|
| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this
|
| 01/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Admittedly the last few months with XXXX my payment was late several days, when I would contact them before the due date, day of or after the agents said there was nothing they could do, " give it a few days and call back '' when I was closer to the date the payment could be made. The harassing phone calls 5-8 times a day would begin the day following the due date and continue until the payment processed. Those calls continued even after I paid off the loan XX/XX/XXXX. The company had yet to update the credit bureaus and has further damaged my credit by remaining open with unpaid balances, and because of this I was denied a loan that would have allowed me to pay off my credit cards and move in to an apartment, specifically because I already showed two open auto loans. Although I am eager to get my report updated, I'm filing this complaint because they refuse to tell me when they send updates to credit bureaus or even who I can contact within their company for that information. I emailed the company XX/XX/XXXX and did not receive a response. Tonight, XX/XX/XXXX I called " customer service '' and at first was told to " give it a few days '', when I said that was not acceptable and wanted to know how often or when it would be updated, the agent hung up on me. I called back, spoke to another agent, he said they send updates monthly but he has no idea when. I replied that it has been almost two months and asked who did have that information, he hung up on me. Both times they had the nerve to send me to a survey to rate their service. I just want to be rid of this company.
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| 01/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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I am submitting this complaint without any influence from any third party or agency. Please refer to the attached documents as it contains Westlake 's letter, my correspondence, proof that it was delivered via Certified Mail, my letter requesting to speak to the Legal Department, fax cover sheet and fax confirmation. On XX/XX/XXXX, I received a letter from Westlake and on the same day I responded with a handwritten letter ( attached is a copy ). My letter stated that I conditionally agreed to pay upon the condition that they provide me with the 'contract ' that was mentioned in Westlake 's letter because I seek clarification of the 'contract ' and its 'terms ' since I do not have possession of the 'contract ' or any material disclosures pursuant to TILA. I also requested for the accounting records and a signed invoice. On XX/XX/XXXX my letter was received by an individual.at XXXX XXXX. Since then, I have not received the 'contract ', 'accounting records ' or a 'signed invoice '. On XX/XX/XXXX, I was violated, caused distress and damaged because my car was repossessed without notice. I believe that the repossession was unlawful and that this matter should have been brought to arbitration, not repossession. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX and she informed me that my letter was received but was not 'put into the system ' and the repossession was sent out on XX/XX/XXXX ( after receiving my letter ). XXXX told me to fax a letter requesting to speak with the Legal Department about this matter, which I did but have not received any response from Westlake since.
|
| 02/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I've disputed this account a couple of times through XXXX and the last time they added 42 negative remarks to my account but only to two of the bureaus, XXXX and XXXX. XXXX shows no payment history for this account. As my right to have an accurate report at all times, this information needs to be updated immediately. You are in violation of The Privacy Act of 1974 and 15 USC 6802-6805. Reporting transaction history is illegal. I have suffered emotional damage and humiliation by being rejected for credit extensions based on the lies and slander this company has reported. Charge offs are considered income in which I have still not received a check from this company for. 16 CFR 433.2 states that if I have a copy of my contract then I am the holder in due course. 16 CFR 433.3 states this applies for contracts after 1929. 15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open-end credit consumer credit plan as late for purpose. I have tried to get this debt validated with the company and they have failed to provide substantiating evidence. On XX/XX/XXXX I sent a debt validation letter. Their agent received on XX/XX/XXXX even though he signed XX/XX/XXXX. Since then I have not heard anything. They can not produce any proof or contract with my signature. I will be pursuing legal actions in Federal Court if this company fails to meet my demands.
|
| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX, I went to Enterprise Car Sales in XXXX, PA to purchase a vehicle, XXXX XXXX XXXX. I filled out the credit application prior to so they can ensure that I was able to get a car loan since this is my 1st car loan. XXXX from XXXX XXXX XXXX in XXXX, PA then connected me with Westlake Financial Services. Westlake financial services offered me a loan with a down payment of {$2600.00}. My car payments roughly would've been {$400.00} a month, which is what we agreed to. On XX/XX/XXXX ( Almost a month into the contract ) XXXX from XXXX Car Sales call me and states that Westlake Financial Services was not able to finalize the car loan just yet. They asked me if I can provide {$3000.00} more that day, I told them I do not have {$3000.00} more just out of the blue just to give you when we agreed on a {$2600.00} down payment. They claim the reason for this was because my credit score was not high enough? Which is what I am confused about. They showed me my credit score and I signed the papers from Westlake Financial Services, so we mutually saw my credit score and agreed to my rate. Westlake Financial Services claim that they " found more credit '' ( my name was legally changed years ago ) and without the higher down payment then I would have to return the vehicle. I'm just confused because my social security number never changed? Just my name. People change their names everyday for various reasons. Since I am an identifying XXXX XXXX and my previous name was a male name, for some reason they start referring to me as " sir ''! I'm just unsure what to even do.
|
| 11/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I had an auto loan with US Auto Sales and I made a purchase with US Auto Sales in XXXX of XXXX for a XXXX XXXX XXXX. US Auto Sales went bankrupt. I made my last payment to US Auto Sales in XXXX of XXXX. My loan was for XXXX. I had the car for about XXXX XXXX months before US Auto Sales went bankrupt. A company called Westlake Management started calling and demanding payments on the car I got from US Auto Sales. They stated that I owe over XXXX for the car and my original loan agreement with US AUTO Sales was for {$18000.00}. I asked Westlake Management to show me proof of payment, original loan agreement with my original signature, and host of other documents. I demanded that I receive it in writing on XX/XX/XXXX, and I never did. Westlake Management came and repossessed my car without my knowledge and they didnt let me get my personal belongings out the car. My original loan agreement was in the glove department of the car. Westlake Management is now putting false information on my credit report. I never had a loan agreement with Westlake Management. My loan agreement was with US Auto Sales. Westlake Management came out of no where and they are not located in my state. They are located in the state of California and I live in the state of GA. They call me at inconvenient times. Like, after midnight my time. I am trying to get Westlake Management disputed off my credit and I would like for them to stop reporting to my credit history. Also, I have the paperwork that I sent them on XX/XX/XXXX. US Auto Sales no longer have a customer service number to reach out too.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I bought a truck on XX/XX/XXXX with the loan lending company Westlake Financial Services. The truck was repossessed in XXXX and paid in full on XX/XX/XXXX when the account closed. I actually obtained money back due to overpayment of the account and was written a check by this company. I opened a dispute on XX/XX/XXXX for inaccurate information. On XX/XX/XXXX in retaliation for disputing information on my credit report Westlake put false information in order to drop my credit score over 70 points. Even though the account was closed on XX/XX/XXXX they placed my account back into repossession status for the months of XX/XX/XXXX, then again placed it negative in XXXX and XX/XX/XXXX. This is illegal and something should be done! Because they lied and placed my account in repossession twice after it was closed it has hurt my credit and kept me unable to get a mortgage. With all three credit companies they placed this false information and added the remarks that my account status was in active repossession and late by over 90 days on XX/XX/XXXX in clear retaliation. They flagged my account was delinquent saying there was missing payments. After making yet another dispute for false and inaccurate information they removed the remark on XX/XX/XXXX and closed the account and changed the account that all payments were caught up. It says I have made payments well into XX/XX/XXXX when the account was closed on XX/XX/XXXX. All of this is a violation of the FCRA, and the account should be removed completely from my credit report because of their illegal actions against me.
|
| 10/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, IN on Tuesday XX/XX/XXXX. I had an appointment at the dealership to test drive the vehicle and have my trade evaluated. I had quite a bit of positive equity on my trade so I decided to do the deal.
The dealer came back with a 60 month financing approval but I wanted 72 months. The bank then found a lender that would finance my truck on 72 months. Westlake Financial was the company and I am a paid in full customer of theirs. I decided to accept their terms.
I received a welcome call from the finance company about a week and a half after the purchase that covered my payment, due date, etc.
Around the 2 week mark I received a call from the dealer letting me know that Westlake needed additional documentation and more money for the down payment. Granted I put down over XXXX from the equity of my trade. I told them I wasnt giving them any more money but I would provide the documents.
I called Westlake customer service on Tuesday XX/XX/XXXX to figure out why it has taken 2 weeks to underwrite my loan. The customer service representative was able to transfer me to my actual underwriter. I spoke with her and mentioned my displeasure with the situation. She asked me about a previous car loan that was paid in full, but was still on my credit report. I provided the documentation to the dealer to send to the lender.
I also have some concerns over the payoff of my trade in. I gave the dealer the 10 day payoff which is now expired because the bank it taking forever to underwrite my loan. Totally unacceptable.
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
I made a previous complaint with CFPB however, Westlake has not addressed my specific complaint and has only sent a payment ledger instead of actually reading and addressing my specific complaints. Please take your time to investigate my actual complaint. Sending a response that does not address my concerns will merely result in a new CFPB complaint advising that Westlake is not reading and responding to my complaints.
XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
|
| 07/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have had a loan through Westlake financial for a little over 2 years. Never had a problem till recently. I hit a little bit of financial trouble, due to my ex-husband not paying child support. I called them 2 weeks to explain why I was 3 months behind, at first they were understanding and told me to get a payment in asap, I informed the lady I would be doing it the first, she said that would be okay. Today I called to pay on my account and I was informed that had closed my account and charged it off and even though I offered them a payment, they refused said that I had to pay {$1000.00} towards the {$4000.00} that was still owed before the account was closed and they would work a payment plan for the rest. The last bill I recieved showed that I owed {$3800.00} left on my car. They would not explain anything and had not told me that they were going to this. They said they had called the past 2 weeks and left messages, I have no messages or calls from, they also said they sent mail, I did not recieve this either. I then asked them when will you be repossessing my car. I was informed even thought my account had been closed, my car was not up for repossession, I repeat they have closed my account, yet have not set me up repossession, it sounds very suspicious to me. I was very angry and upset, because they were very rude and ugly to me, and I did curse at them at the end of the call. I also discovered that last XXXX they had a lawsuit filed against them for their business practices, they are still doing unlawful and less savory business practices.
|
| 11/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
We excercised our right as a XXXX family to reduce a APR of 27 % on my vehicle loan. We were denied even after submitting orders my husband was on during the time I had applied for the auto loan. Til date I havent been given written notification saying I am not eligible as a milospouse. Initially via telephone call I was told I didnt qualify as my husbands name wasnt on my auto loan. But he couldnt co sign cos of a bad credit history. XXXX XXXX approved my loan on a. 27 % interest rate which I can not afford to pay. As a result we now can not afford to live day to day but need the vehicle for daily commute. The person name XXXX XXXX at XXXX XXXX has been extremely defiant in terms of helping us in accordance with the SCERA laws and reducing to atleast 6 %. The initial email was sent XX/XX/2023, he had made us wait 45 day ( according to his wait times ) and still hasnt given us written notice that we were not eligible for this reduction despite sending proof of my husbands XXXX XXXX orders during and around the time we purchased the vehicle. He is XXXX but he was on XXXX XXXX orders. XXXX XXXX ( Director of compliance ) has been extremely uncooperative in terms of adhering to SCERA laws and is looking for anything to not reduce the 27 %. It is sad that XXXX members have to suffer these circumstances and cruel treatment. To date he has not contacted us beside my husbands call to him requesting feedback to which he said we didnt qualifying. I just want to clarify that we dont and/or if we do can this please be reported and assist us in doing so.
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a car from U.S Auto Sales in XXXX, NC a month later the company closed down. Along with my car loan I purchased a XXXX warranty that was good for 3years just in case I had issues with the car I would be able to get it fixed for a XXXX that was no issue. I went to make my payment and was informed that I would directly report to the company WestLake Portfolio Management I agreeded and let them know that I only had the car for a month and would like to use the warranty so that I would have enough to make my car payment the informed me that those warranty 's are no longer valid and the warranty company said they will not be able to assist me due to U.S Auto Sales closing down the car was orginally XXXX WPM hasn't updated my account I can't see where im even paying towards the interest of the vehicle this is a 2013 car listed at XXXX still which I didn't mind paying. In XXXX since I have no warranty I asked for a deferred payment they made me pay XXXX and said that it would go towards me not having to pay for that month due to car trouble and that payment would be applied to the end of my lease. That never happened it says I have a past due balance of XXXX with all of the rest of my payments on time and they now have informed me that there is no guarntee that I had a deferred payment. My credit is suffering and also can't afford to fix the car over and over again. I have asked to speak with someone and tell them to honor what they agreed to and they never do. I want to file a lawsuit againist this company for lacking integrity and fraud
|
| 06/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I am a XXXX XXXX full time working part time per diem in my field during the Covid 19 pandemic I learned I could contact my finance company Westlake financial to request some form of leniency to reduce the monthly payment without any additional financial consequence when I accessed my loan online I noticed excessive late fees and NSF fees on my account I have made on time payments since I purchased the vehicle in XXXX those fees are incorrect and bogus. Additionally I noticed I have paid over double the original cost of the car over the last two years I have paid over XXXX XXXX Dollars and my loan end in XXXX which means I would have paid another over XXXX XXXX dollars a total of over {$23000.00} the original price of the vehicle was {$16000.00} by XXXX I would have paid over {$6000.00} in interest and other fees I now understand I should have been offered GAP insurance which I was not told about I do not feel the dealership was honest with me about what I was signing. When I attempted to dispute these late fee and nsf fees I was told my dispute is not valid I was spoken to very rude abrasive and unprofessional I was I feel taken complete advantage of this was my first time financing a vehicle I was alone and was at the mercy of the sales people at the dealership completely unaware with no first hand knowledge I trusted the people I was dealing with to be honest ethical and professional I am work in the medical field I help to save lives not destroy them. I feel I was XXXX XXXX of my hard earned money I could have used to pay for college.
|
| 10/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Found out Westlake Financial has been listed as fraudulent company, and notorious for bad complaints with consumer affairs. After dealing with this company trying to work a settlement on an account I defaulted on, I see why this companys reputation is so bad. XX/XX/XXXX I called them and tried to work out a settlement offer to get my acct closed. I offered them one amount which was all I had at the time to contribute to the debt, they counter offered me another amount to sif and remove the account from my credit file as long as i made a payment that day via money gram. After making the payment I called back to let them know i was hung up on twice. Then I was told i would receive an email in a couple days confirming that my acct would be sif and removed from my credit file as agreed upon. Two weeks pasted no email no action, another two weeks a month later no email no action. Luckily I was recording the conversation. I called back then I explained to a new person all that happened he told me someone would call me back because I should not of been told they would close out the acct for the amount paid. I told him well they did and that was the agreement, so he said well do you have that in writing I said no I do n't have to. I explained that there were clear fdcpa violations, just in the mini Miranda alone, not to mention the lies I was told and failure to adhere to the terms of the deal we made. But anyway, I told him had it recorded and was recording him, he panicked then said immediately he could no longer speak with me and hung up on me
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
westlake financial s transfered my information over to XXXX XXXX and they have called me and sent me collection statements for payment i contacted them by phone and asked why they are violating federal law by contacting me when there is anautomatic stay in place in bankruptcy and i was told that they were wanting me to reaffrim with them i stated that i never had any contracts with them ( XXXX XXXX ) and if they have my information how did they get it they the agent XXXX would not provide her name only the agent number and i asked for any agreement that they have that states that i gave them promission to contact me and violate the FDCPA laws and right to privacy Act, and also mail fraud. I was told to contact wet lake which i did XX/XX/XXXX @ XXXX and was told that yes they did send my information over and yes they do know that i have bankruptcy. and they also too a {$750.00} payment on XX/XX/XXXXXXXX ; which was after the filling. also it has been place on my credit profile which bankruptcy court do not report to credit agency ; after i contacted them i was block from online account Bankruptcy Code Section 524 ( a ) ( 2 ) : This provision prohibits creditors from harassing debtors. Sending a payment statement to a debtor who is in bankruptcy could be considered harassment.
Bankruptcy Code Section 526 ( a ) : This provision prohibits creditors from discharging debts that are not dischargeable in bankruptcy. Sending a payment statement to a debtor who is in bankruptcy could be considered an attempt to collect a non-dischargeable debt.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased my car on XX/XX/XXXX, US Auto Sales close without giving any notice, and sold my information to Westlake as a debt collector without a warranty on XX/XX/XXXX. I still make payment as if I still have a warranty with it but it's no warranty. They are rude and hassle to the customers. When I bought the car amount was XXXX on the car of the car but ended up with XXXX dollars. I have my original paperwork. They charge me XXXX on the vehicle with {$500.00} for infrastructure maintenance, XXXX insurance {$790.00}, a Service contract of {$2300.00}, a Title fee of {$15.00}, registration fee of {$40.00} leaving with a total of A {$23000.00}. I put down XXXX and then deferred a down payment of {$860.00} with a total of {$2200.00} down payment. The annual percentage rate is 19.19 %, the finance charge is XXXX, the amount financed is XXXX, the total payment after all is paid is {$37000.00}, and the total sale is {$39000.00}. I pay {$250.00} a month for a XXXX XXXX XXXX with a blue book price of {$9400.00}. I didn't sign paperwork for this debt collector cause US Auto Sales closed and wasn't notice anything. They just sold my information and now the price I own is {$22000.00} for the car. The XXXX or XXXX XXXX retail is 168 %. I have built XXXX, panic attacks, and XXXX because I need my car fixed with no a/c or heat in the car. So, we have to be in a car I pay about {$500.00} a month with my a/c, and it's hot in the car. I paid a lot of money down, I'm a single parent of XXXX kids and don't have money to throw away. Can you please help?
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Greetings, I have financing my vehicle through Westlake Portfolio Managment. I pay $ XXXX {$590.00} with fees if Im paying it over the phone with an agent instead of automated system which takes longer. I have trying to get an extension because I have XXXX kids XXXX XXXX XXXX XXXX XXXX XXXX and a husband to take care for. Westlake always call my phone and threatens to repo my vehicle if I dont make a payment. When I request for an extension they told me I had to pay {$50.00} for an approved extension. So I waited until I had the {$50.00} which was a day after I spoke to West lake portfolio management. I called and made the payment for {$50.00} and was told by a supervisor that she will grant my extension. 2 weeks past I noticed my extension hasnt been granted but now my account says I owe {$1100.00}!! I been paying this company for over 4/5 years now and Im not even half way through paying this auto loan because their interests are so high, they wont lower my payment because they said they dont offer refinancing. Im struggling with this company taking so much money from me please help our family. Their customer service has 0 customer service skills. I just spoke to a customer rep and was told hes going to submit another extension request and this will be the fourth extension since that original one has been made!! There is something sketchy about this company and someone needs to put a stop to their scams. And I now have a {$400.00} late fees that I cant remove because they told me I have to pay it theres no way around it. Please help!
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
XX/XX/XXXX I applied for a car through XXXX. Was approved for a loan through XXXX XXXX of XXXX. I signed all paperwork and drove off the lot with my car. on a sunday spoke with them on a tuesday. They asked me how much I put down on a downpayment and if that payment was made in cash. Confirmed all personal information on the phone. Was told by agent on a recorded line that my deal went through my first payment was due in XX/XX/2023. I was told on XX/XX/XXXX by car dealer that the bank was holding back on their offer because when they verified my job it stated on leave, which insured I am still fully employed by this company. I sent over paycheck stubs. The company spoke with the hiring supervisor whom in fact confirmed my employment. I sent over a letter from my HR department showing proof I in fact am employed through XXXX XXXXXXXX. Never did the bank reach out to me to ask me about my employment showing on leave. I had to return this car after having my credit pulled and putting my money down I had drove over XXXX miles to pick the car up. Spent over an hour signing paperwork. After all that was submitted they still stated i needed to show a different form of income with everything that was provided. I ended up returning car to dealership a month later I received a denial letter from XXXX stating that they denied me for things on my credit ike payment history delinquencies, etc. This in fact was not true and I have proof. Also the dealer contacted and voiced his frustration with the process and told them I can i can seek legal action.
|
| 06/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, I am filing a complaint. I am not sure if I am doing this correctly.. the company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX The Complaint is : this lender has placed this loan on my credit report twice, we have called them more than once to have this issue fixed. The last call was todayXX/XX/XXXX I spoke with XXXX, and he yelled at me, and would not address the issue. I told him the situation, and he hung up on me. Below you will see how it appears on my credit report. Two different accounts, same everything. I would really appreciate your help. I purchased a vehicle from a car dealer, the car turned out to be a lemon and broke down within 1-2 weeks, we were promised repairs or exchange of vehicle. Never happened. We contacted XXXX XXXX, XXXX to inform them we would be turning in the vehicle and not paying the loan. XXXX XXXX told us this would be placed on our credit as " voluntary repossession '' which never happened. XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$4700.00} Payment Status Charge-off -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$3100.00}
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
Servicemember |
|
Om or about XX/XX/XXXX I purchased a vehicle jointly with my son from XXXX. XXXX and in XXXX we were contacted by XXXX XXXX in regards to us making a payment to them instead of XXXX XXXX. I asked them to provide information on the obtaining of the contract from XXXX XXXX as we were not aware at the time that XXXX XXXX had been shut down by the federal agency. I went to the XXXX XXXX location in XXXX NC and found they were out of business and I stop making payments to XXXX as of XX/XX/XXXX. XXXX XXXX repossessed the vehicle in XX/XX/XXXX but begin to report to the credit burearu that my payments were current and they had possession of the vehicle. XXXX XXXX has since reported to the credit burearu that I missed XXXX payments in order to destroy my credit. All payments that I made to XXXX XXXX had been removed which also negatively impacted my credit score because it appeared I did not have an auto loan nor had I ever had one. Now XXXX decides to report the vehicle as being in good standing as of XX/XX/XXXX but the car was repossessed in XX/XX/XXXX. XXXX XXXX continues to call demanding money for the car when they informed me that they were selling the car at a private sell on XXXX XXXX. They send me emails and continuously call my phone when I no longer have the vehicle and do not internd to honor an unlawful contract which was deemed unlawful for various reasons by the federal agency. We spent all our savings to purchase this car and now we have no car and due to the false reporting of XXXX we cant get another car if we wanted to.
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I received an alert of a new inquiry on my XXXX credit report. I contacted XXXX and let them know that I had not authorized an inquiry on my credit report and that when the inquiry took place ( XX/XX/XXXX ) I was on a cruise ( XX/XX/XXXX - XX/XX/XXXX ). XXXX told me they could not remove anything from my Credit Report and that I should contact the Creditor to have them reverse/correct the inquiry. The only other way would be with a report of identity theft/fraud from the FTC.
XXXX provided me the contact information of the creditor available to them ... Westlake Service Inc XXXX. The date of the inquiry was XX/XX/.
I contacted the company by phone. The person I spoke with told me their Credit Inquiry Dispute department did not speak to anyone on the phone and I would need to send them an email to XXXX which I did. After several back and forth communications and me providing all the information available to me they said : " Your inquiry # XXXX has been updated.
Unfortunately, after researching our systems, Westlake Financial was unable to find the inquiry. Please provide more information or a snippet of our inquiry for further assistance. '' I contacted the FTC at the number provided through Identitytheft.gov and the person I spoke with said they couldn't open a report unless an account was successfully opened. I contacted XXXX again and the person I spoke with said they have had people get reports for the same inquiry problem from the FTC through reportfraud.ftc.gov. That is where I have submitted this request.
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
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Yes a entered a contract with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the lease of a XXXX XXXX XXXX XXXX For the Sum of XXXX. I applied XXXX down with payment arrangements for XXXX for XX/XX/XXXX and XX/XX/XXXX and then fjor XXXX ( which ended up being XXXX every two weeks because I submitted on line and they charged a fee for this.I made payments every two weeks up until XX/XX/XXXX due to I was unable to get ahold of XXXX XXXX to make payments and the dealership where I got the car was closed. That is when I found out they had closed down nation wide. I was told a company called Westlake Portfilio Management took over the loans. I finally receive a letter in regular mail on XX/XX/XXXX. Stating the I owe them XXXX and was past due XXXX. I tried contacting them and I have been unsucessful until XX/XX/XXXX when I finanlly reached them requesting a credit rating letter which they sent immediatly to my email. but when I started questioning them about the amount owe and where they got that fiqure since I had made payments every 2 weeks for a year and the orginal contract was for XXXX they hung up on me. and I have not been able to get them to answer. I have tried to trade car but dealerships don't know who they would get final pay off from or who to send it to. It is not showing up on my credit report as of date, not even ehere I have paid for a year. This is very fustrating when I done everything in the contract and I am being told by a debt collector not a bank or loan company that I owe more than my contract even started out as.
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| 01/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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On XX/XX/XXXX, I contacted westlake profilio management in regards to a refund check I was supposed to receive from a gap insurance after refinancing my XXXX XXXX XXXX with another company.The representative informed that the check was sent out on XX/XX/XXXX and wasnt cashed until XX/XX/XXXX. On XX/XX/XXXX, I closed and moved into my new home. I wasnt living at the previous address located at the time the check was sent to nor did I cashed it on XX/XX/XXXX. I expressed my concerns to this issue and the company has never reached out to me nor did they sent a letter about the status of the refund check after XXXX business days. Ive submitted a complaint to the XXXX in regards to solving this case. The company continues to dismiss my rebuttal claiming that the check was cashed by me with an identical signature signed to it along with no evidence of where the check was cashed. I requested to receive a copy of the signed check cashed and where was the check cashed but the company continues to dismiss the questions being asked. The only response they given is that they verify with their accounting department and changed the date of the cashed check from XX/XX/XXXX to XX/XX/XXXX as their final response. The company has been very unprofessional and doesnt respect their customers business after making consistent payments to them before my account closed on XX/XX/XXXX. I will attach evidence of the inconsistency of the companys statement along with not providing any proof to these statements that they are claiming the check was cashed.
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| 09/15/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/15 I logged online to WESTLAKE PORTFOLIO MANAGEMENT ( https : //www.wpmservicing.com/ ) after recieving mail-notification that I had missed a car payment. This is a debt collector the original auto loan servicer sold the loan to, so they are collecting the same monthly payments.
Upon logging in I paid {$370.00} which should have more than covered the $ XXXX monthly payment and a {$25.00} late fee. I called them afterwards to adjust my due date, and realized it wouldn't have helped, but the associate informed me that " paying more towards your bill won't satisfy the late fee ''. They told me that to make a paymen that satisfied the late fee I have to CALL THEM because " they have a button they need to hit ''.
There was no reasonable way for a consumer to know this until they called in to the customer service line, however they make it easy to automatically deduct funds directly from my bank account online - by far the most preferred method of paying bills from any consumer.
The wrong here is that even though I've paid MORE than expected to bring my account current there is STILL a late fee on my account. The associate didn't even offer to apply the overage payment towards the late fee, he just said it'll apply to my future payments.
XXXX XXXX XXXX was struck with a UDAAP violation ( I worked there at the time ) for having the same billing practice where if the customer didn't satisfy the late fee, they'd continue to hold the account in late/delinquent status.
They also call +6 times a day the first day it falls late.
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| 10/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I currently am still being forced to pay on a Lemon Car that was sold to me from XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX. My car was financed through a loan vendor called Western Funding Inc. I payed a down payment of {$1900.00} and Im currently paying {$200.00} to pay off my car. Now the dealership that I purchased the car from did not inform me that the car will practically break down in two months due to the car having built in sludge in the engine. My car did come with a 2 year warranty but is practically useless due to the fact my car is broken down because of built up sludge in my engine which caused a whole in my engine. I was informed by my Warranty company XXXX XXXX that due to my car being caused to break down from Sludge it is not repairable by the warranty therefore I would have to come out of {$6000.00} just to get my engine fixed. Mind you the car XXXX XXXX XXXX was sold to me with the pay off balance being {$6000.00}. Now my issue is, Im stuck paying on a Car note and paying back a loan for a car thats not drivable, due to lack of professionalism and trust from XXXX XXXX XXXX. I dont want to repo my car as that will damage my credit. The reason I purchased a car was to build my credit, made all my payment on time. I need answers on the best way to resolve this. I cant trade in my car, because XXXX XXXX XXXX says they no longer do trade ins. Ive contacted everybody including my warranty, dealership, and Funding of the bank. Nobody is really giving me an reason. Very stressful knowing my credit is on the line.
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| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I originally had an auto loan for a XXXX XXXX with Westlake Financial Services which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from Westlake Financial due to the vehicle having been declared a total loss. Westlake received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, Westlake failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff Westlake provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX Westlake reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, Westlake charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
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| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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In XXXX, Westlake Financial financed my XXXX XXXX for 48 months. I was not aware Westlake Financial built its wealth by feeding on middle class consumers with less than perfect credit. It was not enough my interest rate was 17.39 %, when I became ill and started having financial difficulties, representatives were not customer friendly. Many of them would threaten to repo the vehicle unless an extension was agreed upon. When the vehicle was within a year of being paid off, Westlake efforts to repo the vehicle increased. Once we called to get a payoff on the XXXX to cut cost with a cheaper vehicle, however the representative refused stating a payment need to be made. When he did not receive the payment, had our vehicle picked up claiming we requested it because we were purchasing another vehicle, which caused us to have to pay over {$2500.00} to reclaim the vehicle. Shortly after, Westlake repossessed the vehicle again, after I had made a {$400.00} payment, which costed us over {$2500.00} in fees to reclaim the vehicle. Complaints were filed on both incidents, however after reading the article in the XXXX XXXX XXXX, I discovered Westlake promotes unethical tactics by representatives. I contacted Westlake on XX/XX/XXXX, concerning the balance of the balloon payment due to the payment extensions. I was told if entire balance was not paid by XX/XX/XXXX, the vehicle could be picked up. I did not understand the {$7100.00} balance and I knew there was no way I could pay the entire balance by XX/XX/XXXX. I had to file Chapter XXXX.
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Took out an auto loan 6 years ago with XXXX XXXX XXXX but loan was later bought by Westlake Portfolio Management. Loan was initially reported as being late during the transfer process due to typographical errors from the parent company which made my payment to be reported late. I made a complaint to Consumer Financial Protection Bureau and they tried their best but report still remains on my Credit. Now again, when the final payment was due as I always make my payments on or before the XXXX of every month, this same company did not hesitate to go ahead and report a final late payment again. I made the final payment of the principal loan of {$420.00} on the XXXX XX/XX/2023 which should have been {$410.00} and I made payment of subsequent late fee of {$86.00} on the XXXX of XXXX which should have brought the total payment to a XXXX balance. I called Westlake and I spoke to a lady by the name XXXX and she was very unprofessional, rude and aggressive with me. There was no communication as to when, how or what I needed to do as to the maturity of the loan and how I would proceed to obtain my Title or any information or paperwork. I have never been late with my payments even though I sometimes get close to the due dates. Right now, the balance is still showing on my credit report as {$500.00} still owed when it has been paid off. This is the only company that has a negative report on my credit history. It seems to me that they are out to get me for reporting them the first time. Please help, thanking you in anticipation.
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| 07/05/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In XXXX That was financed through Westlake Financial Service. I wanted to refinance the car due to the high interest rate Westlake Financial Services was charging to our bank XXXX XXXX in XX/XX/XXXX. Westlake Financial Services would not send the paperwork to XXXX XXXX and the refinance feel through. Do to Westlake Financial Services lack of concern and repeated threats to take the vehicle because I wanted to refinance, and they put XXXX XXXX, XXXX and XXXX payments on hold that caused damage to my credit, I instructed Westlake Financial Services to take possession of the vehicle in XXXX of XXXX. After the vehicle was taken by the company contracted to take possession of the vehicle, We saw the vehicle driving around XXXX, CA and later found the vehicle was being used to go and take possession of other vehicles by the repossession company. I contacted Westlake Financial Services XX/XX/XXXX to inform them of the situation and was told " That is not our problem, it is your problem because the vehicle will sell for less ''.
I contacted Westlake Financial Services XX/XX/XXXX because I have not received a itemized bill of the alleged amount of $ XXXXWestlake Financial Services informed me that they don't have to send a itemized bill and that is the owed amount. I have tried disputing the alleged debt with Westlake Financial Services and to this date have not received a response. My right to debt validation is being ignored by Westlake Financial Services.
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| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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According to to 18 U.S.C. 10284.
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.
XXXX XXXX Westlake XXXX XXXX
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| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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West Portfolio Management took over my car loan when XXXX XXXX XXXX went out of business back in XX/XX/2023. Since they've had my account it has been issues. I honestly call 3times a month, last call was XX/XX/XXXX. Can't remember how many times I asked to refinance. Most of my experiences are completely the same. First, was charged a late fee due to my loan not being in system. Second, they have changed my contract payments, but still have my contract posted on my account. I even explained that I am a XXXX veteran with a fixed income. Especially, since they barely speak English. Third, if u request a supervisor/manager, since the call center only accepts payments, you will be lied to and transferred to another agent pretending to be a supervisor/manager until you get annoyed and hang up. Fourth, if they take your contact number and reply " a manager with contact you in XXXX '' I guarantee you they won't. All they want you to do is pay, regardless if you're contract has been breached. Fifth, the online account won't allow me to pay more than what my contract states online, yet I owe more than I ever have. Sixth, I'm stressed out behind this recurring monthly issue. My XXXX and XXXX is getting worse thanks to this. Seventh, there are a bunch of negative reviews online about West portfolio management playing around with people accounts and no one to communicate with them about it. I live alone in my city and know no one, my vehicle gets me to my appointments and grocery store, neither are in walking distance.
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| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had a loan with Westlake Financial for a XXXX XXXX XXXX. They offered to settle the balance ( in writing ) for {$9700.00} if paid within 14 days from the date of the letter ( XX/XX/XXXX ). They did not mention the vehicle was still subject to repossession before that date. Never the less on XX/XX/XXXX the vehicle was repossessed at about XXXXXXXX XXXX XXXXXXXX. I called to find out why and received no satisfactory answer. Instead I was told i need to pay {$12000.00} inclusive of a repo fee. My father paid them {$12000.00} the morning of XX/XX/XXXX with anticipation of retrieving the vehicle that night per a conversation with XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in which he said they would send a release of lien within two hours. No Release of lien was sent Friday and the earliest appointment the XXXX XXXX had was Monday XX/XX/XXXX at XXXX. I waited until Monday at XXXX XXXX, went to retrieve the vehicle because XXXX XXXX said the release had been sent. I waited multiple hours until it was too late for the repo lot to release the car. I made multiple calls to XXXX XXXX wo affirmed the release had been sent at XXXXXXXX XXXX but since Friday it appears the release process has been an issue for all customers. Long story short the release still was sent and when asking to speak to a supervisor i was told it would be the same answer. My father told them with as many customers as he implies were affected the same way due to a purported system issue there has to be something that can be done. it fell on deaf ears.
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| 08/01/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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I have requested numerous validations of debt from a debt collection company by the name of ( XXXX XXXXXXXX ) that is trying to collect an amount of {$17000.00}. The company has sent me the same documents multiple times showing where they bought the debt from XXXX Westlake Financial ) consisting of a bill of sale, the retail installment contract between ( XXXX ) and I ( XXXX XXXX XXXX ), The credit application that I ( XXXX XXXX XXXX ) used to apply for financing with ( XXXX ) along with the used car bill of sale that I ( XXXX XXXX XXXX ) signed with ( XXXX ) and a Notice To Sell Property by ( Westlake Financial ) at a public auction after the vehicle was repossessed. Nowhere in there Verification of Debt has ( Investment Retrievers ) provided legitimate paperwork with my signature in ink saying that I agree to pay ( Investment Retrievers ) for the debt that was owed to ( Westlake Financial ). They have participated in 15 U.S.C. 1962 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. states that a debt collector can not practice. And has also tried to sue me for debt that I do not owe to them. This has taken an affect on my livelihood. Please resolve this issue and remove this collection from my XXXX and XXXX credit report. Thank you so much.
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| 09/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit.
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| 01/28/2024 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness.
Despite achieving academic and social success, securing a XXXX job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Company has lied about final settlement and manipulated it multiple times
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I checked my credit report with all three bureaus this month and noticed that my XXXX XXXX dropped tremendously. I was not familiar with the name of the company, so I immediately disputed the account on my credit report with all three bureaus. Simultaneously, I called the company in question to investigate why they're reporting on my credit report and that it's past due. Unbeknownst to me, this specific company took over payments on an account that I have under my name, named XXXX. I've been making automatic, recurring payments every month, on the XXXX of the month, since XX/XX/2022 with XXXX and never had any issues. This account is paid automatically via my XXXX XXXX card. I contacted XXXX XXXX, and they provided me with proof of payments via monthly statements. I've submitted proof of payments to all three credit bureaus. Today I received results, and the credit bureau responded by saying that the information on my credit report is accurate, meaning XXXX months worth of late payments from the company in question. I've called them several times, but they can never give me a straight answer as to why they reported my payments late. I've asked to talk to supervisors, and apparently they're never available. It gets better. I called them again today and spoke to a customer representative named XXXX XXXX, who verified my account in their system and specifically said my account is current and has been since XX/XX/2022. I don't know what else to do. Please help! Thank you for your time and assistance!
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| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX of XXXX I purchased a car from US auto sales. Never missed a payment right up until they went out of business in XXXX of XXXX. I received and email from US auto sales in XXXX of XXXX saying a company named Westlake Portfolio Management would be taking over the car loan moving forward. Prior to this, I never received any documentation in the mail about any of this taking place. I received the info about US auto goin out of business via word of mouth. I had a problem with this move because I never signed a contract with Westlake. In XXXX Westlake contacted via email saying welcome and I had to pay them money for my car. When asked to verify the debt by providing the original contract, I was ignored several times. This company is extremely rude and disrespectful. On XX/XX/XXXX Westlake Portfolio Management illegally repossessed my vehicle. At the time of the repossession, US auto finance, Inc was still the lien holder on my vehicle. You can not take something that does not belong to you, thats called stealing. Finally, I received bits and pieces of a copy of the contract in the ladder part of XX/XX/XXXX. This was not what I asked for. Not to mention they are forcing people into new contracts with them and then changing the terms of that contract after its been signed. They need to be completely SHUTDOWN!! The way they are conducting business is truly unlawful and they have to be stopped. Through personal research Ive found that they have lots of lawsuits against them for this same behavior.
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| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On Monday I took my 2015 XXXX XXXX to get it appraised at reliable XXXX in XXXX we're I got it from the sales guy who sold me the car asked me how much do I owe on it and I told him the people who is fiance the car said it was {$14000.00} when I told my sales guy who sold the car to me me and said that the car was sold to me for {$11000.00} so I'm am not understanding standing why Westlake financial services over charging me and when I went to print out a payment history for this car I had someone to calculate what I payed for on that car which is {$5500.00} {$300.00} which I just paid and I owe {$230.00} for late fees which is crazy I have proof of this and I only owe {$9100.00} on my car Westlake financial services screwed me charging me for a used car that's only {$11000.00} I am a XXXX person at that my family that I tried to go see and not only that I take my mom and dad who are Senior citizens and I help the XXXX people and I help a lot of people but I will not be messed over by Westlake financial services and y'all can call XXXX XXXX XXXX XXXX XXXX XXXX that's the one who sold me the car and he can pull it up on his computer and tell you that is a used car and the price of it which is {$11000.00} and they're number is XXXX because I also heard how Westlake Financial Services be doing people and I also told them that I was in the hospital for a min and I have to pay my doctor 's fees and medication but they don't care and I am a XXXX person and I wasn't fixing to go with out my medication
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| 08/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Good evening, I got an auto loan in WestLake financial institution company in XXXX. I bought used XXXX XXXX of XXXX. I had been a diligent payer until the Pandemic situation took place in the US, accordingly, I lost my job and all my income. I wasnt able to make a full monthly payment to the WestLake company. I tried to arrange my payment with this company, calling them virtually every day and begging them for help. However, it wasnt successful, they told me that they can not help me with this and I would have to make a full payment, no matter what. I couldnt find money to pay the car, so then they come to my house at night and towed my car with all my personal things in.
I didnt even get any notice from WestLake that my car was going to be towed. I didnt know what to think, even called the police assuming that the car got stolen. WestLake reaches out to me in few days demanding a double monthly payment plus towing expenses and fees, saying they wont return a car otherwise. The also reported credit agencies, which damaged my credit score. The sum was prohibitive.. I asked my friend to lend me money to buy back my car as I was left without any transportation. As of now, WestLake imposed repossession expenses, late charges, NSF fees on my account. I asked them many times to work with me in this regard, and at least, take the fees off my account. They dont take into account that I have no job, no income, simply, they dont care. Fees are growing, and I dont know what to do with, feeling desperate.
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| 07/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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I took out a small title loan on my paid off XXXX XXXX vehicle for {$2100.00} on XX/XX/XXXX. I was making the monthly payments on the loan and the balance never went down it keep increasing on a monthly basis. I was diagnosis with XXXX XXXX and I still kept in contact with them with updates on my health status. i also advised them I had lost m job due to the amount of time I needed to take off from treatment which they were also advised up. I continue to try and make payments and the balance still continued to increase with unreasonable interest and fees. Then there were issues with car that required very expensive repairs, Which I notified them of that as well, they made no attempts ts to work with me or justify the amount of fees and interest they had been charging me.The issues of my complaint as follows : 1 ) The car then had been repossessed with out any contact being made to me that that it was in that status or that that was the intent. 2 ) The cars value was {$9900.00} without after market accessories included prior to repairs. 3 ) I was never sent information or documentation stating they still was a balance added off {$770.00} 4 ) Reporting inaccurate information to the credit bureaus stating that this was a automobile loan, the last payment being made XX/XX/XXXX, Account Closed XX/XX/XXXX. That there is a balance of {$770.00} still is owed. This information is severely hurting my chance of recovering financially after my heath issues. 5 ) A high balance of XXXX for a {$2100.00} loan
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| 02/08/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX.
On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same.
The company goes by the name of Westlake Financial Services.
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line.
Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again.
On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen.
At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under WESTLAKE FINANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
|
| 06/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX.
The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail.
Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved.
I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.
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| 08/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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In XX/XX/XXXX, I was given a loan in the amount of {$19000.00} by Westlake Financial Services, for the purchase of a XXXX XXXX XXXX. This loan amount included the purchase price of the car, taxes, fees, and licensing.
The terms of the loan were payments of {$520.00} per month for 72 months ( 8 years ) at 24.99 % interest. After I received the loan, I received calls from blocked numbers, recorded lines, and numbers with varying area codes.I received calls outside normal business hours ( past XXXX XXXX ) repeatedly.
Ive been charged upwards of {$150.00} for insufficient funds and varying amounts for late charges including a most recent charge of {$660.00}.
This business has been sued by the federal government and by the states of New York and California. Theyve settled in these lawsuits, but they have not changed their predatory lending practices with current clients.
Between XX/XX/XXXX-XX/XX/XXXX, I have made XXXX in payments, double the original price of the car.If I were to complete the terms of this contract, paying {$520.00} for an additional 54 months, I will have paid a total of XXXX ( plus any other predatory lending fees ) for a XXXX car.
The current XXXX XXXX XXXX price for this car is $ XXXX.Clearly, Westlake Financial Services is a predatory lender. They do not act in Good Faith and their practices are not only unethical but criminal.
I would like the contract nullified immediately, payments to cease, and I would like the pink slip of my vehicle issued to me.
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| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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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 ''.
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| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I hope this message finds you well. I am writing to express my concern and submit a complaint to WESTLAKE FINANCIAL SVC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, WESTLAKE FINANCIAL SVC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
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| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Ok so my car was stolen in XXXX. There was some kind of mix up with the people at the insurance company ( My adjuster was terminated ) So it took a while to get a new one. In the process of all this going on I continued to make the payments. The insurance company called me in XXXX and stated that since it has been so long and the car has not been recovered they were going to go ahead and settle the claim. They sent the car company, American Car Center XXXX on XX/XX/XXXX, and asked that I allow 7-10 days for mailing. I called the car company and spoke with XXXX and XXXX, who advised that with what went on with the car, and the insurance is settling that I would be responsible for whatever the deductible is that they short the check by, which i believe was like XXXX. Meanwhile I was still making payments to them, and when I called to make the payment of XXXX, I was advised that it was XXXX plus because they deducted the payments that was made based on when the police report was made. I paid it on my XXXX and XXXX card. which i included in here. I was assured that it would be closed. I then called them today to discover that their accounts have been sold to westlake portfolio. No one can tell me anything other than the account is 46 days past due and when can I pay or I will be up for repo .... this was how we got here to the new complaint. I wake up this morning and now they are on my credit report. Marking me late hanging up the phone and giving me the run around. I don't owe them
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| 04/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I " bought '' a car from XXXX XXXX XXXX. My financing was done through XXXX XXXX ( a subsidiary of XXXX XXXX XXXX ) and as of XX/XX/XXXX they shut down the pay site and stopped our ability to make payments on time.
Starting on XX/XX/XXXX I started receiving numerous harassing phone calls from Westlake Portfolio Management ( a debt collector ).
I am unable to contact anyone at XXXX XXXX XXXX or XXXX XXXX regarding my vehicle. My car title shows a completely different entity ( XXXX XXXX XXXX who shows as a transportation company with 1 truck and 1 driver ).
XXXX XXXX Co shares an address with XXXX XXXX XXXX and XXXX XXXX. I am being harassed now by a debt collector through no fault of my own and being told that I will not be receiving my car title as Westlake Portfolio Management is only " servicing '' my contract. I have warranty with my original contract with XXXX as XXXX has stated that they will not honor the warranty.
XXXX XXXX XXXX and XXXX XXXX have filed XXXX XXXX bankruptcy in XXXX XXXX in Delaware. The businesses have not been dissolved in my state of Alabama. I have no way to contact the XXXX XXXXXXXX XXXX too ask about my title and I feel as though I am being defrauded as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has blocked all attempts to contact them.
I have never been late on my car payment with them and being handed over to a debt collector does not set well with me. They are calling 3 to 5 times a day. Harassing me to pay every single day.
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| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Monday, XXXX XXXX Illegal Repossession of Leased Car last Friday XX/XX/XXXX Last Friday XX/XX/XXXX, I went out to my car in the evening to find it missing and repossessed illegally by Westlake Financial. ). I am in a XXXX XXXXXXXX state so I need my Car to get to doctor appts so I can get back to work asap. I am still waiting for a call from rep from XXXX XXXX -- XXXX did not send a certified letter, it did not register an accurate phone number for the towing company, and it doesnt have an informed customer service process or Directory option for Repossession ( their service line closed early weekend by XXXX PST instead of XXXX ). In Washington XXXX a Creditor must send a Certified Letter prior to repossession which was not executed. ( DC law 28-3812.3 see attached or url : XXXX : XXXX ) The Westlake Customer Service is not set up to address weekend Repossession closed early Sat and Sun by XXXX even if the website states XXXX. I spent hours being bounced around the Collections department and my call was dropped 4 times on Sunday and one rep demanded I pay the repo fee and arrearage and compared it to a housing eviction ( for which youd also get a certified letter ), the Supervisor was not familiar with certified letters. Even the representatives identifying themselves quickly by their first and last name is confusing and distracting nearly every rep took offense when I asked them to spell their first names i.e. not a great way for either party to start a difficult conversation.
|
| 03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.
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| 01/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it
|
| 11/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment.
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.
|
| 11/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency.
After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision.
Thank you If you need I have a list the all phone call numbers, please let me know.
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| 12/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
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Web |
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Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain.
My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior.
The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days.
The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I didn't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX.
XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something wasn't right.
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
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Web |
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I had gotten repossessed on XXXX and paid it XX/XX/XXXX and the finance didnt let me get the car until XXXX because they said i needed to pay what i owed and i said i had already paid and i was told i wasnt able to get the car until i was up to date so i provided a copy of the reciept which was for XXXX the last agent i spoke to before picking up the car on XX/XX/XXXX told me my payment would be XX/XX/XXXX so that i can get caught up and straighten everything out since i had lost my job due to the repo when i got the car it was all damaged scratched wheel was missing and the battery was swaped i had to pay for all that because i couldnt drive it all the way to XXXX since it was 2 1/2 hours away i wasted XXXX just on the battery but i paid it because i wanted to have everything right before my payment date which was XX/XX/XXXX on XX/XX/XXXX i wake up to no car i was shooked because noteven a month ago i had gotten it back from repo and its repossessed again i had bearly started working and i have XXXX XXXX XXXX going to school as you can imagine how hard it was i called westlake financial and they said they had no clue to call the police because its been stolen i was told there was no repo order for my car. So then i findout they do have it and the agent i spoke to laughed at me and yelled at me and said i was a liar because i was lying that i had bearly gotten my car on XXXX i told him i had documents of the date i signed the release and he just hunguo on me
|
| 06/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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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.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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On XX/XX/XXXX I called Westlake Financial Services about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from Pelican Auto Finance. They told me that they brought they contract because Pelican went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale.
On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XXXX XXXX and on the XXXX of XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed Pelican Auto Financed company. I asked them can they send the payment records from Pelican it looks like the payments started over as if I did not pay Pelican Auto which I had for at least a year and they cant produce it.
The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information.
However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXXXXXX XXXX
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. XXXX was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous XXXX holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just send an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with you as Auto Sales as they will not be offering the warranty coverage. When transferring our account to Westlake, US Auto Sales did not include the down payment or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I'm XXXX XXXX XXXX XXXX XXXX XXXX and considered XXXX by The State of Florida. I purchased a brand new XXXX XXXXXXXX XXXX and a tree fell on it during one of our storms in Florida. I was under XXXX warnings. I had full coverage, I purchased XXXX XXXX. It took the insurance company four months to close out the loan. As the car sat in the shop undrivable I was in touch with XXXX XXXX many times because they wanted payment for a car that was TOTALED. I repeated my story 100 times but they kept calling. The problem is when I call they refuse to email me the information or help me with my XXXX XXXX. Company policy that they can't email me. This is after me crying on the phone begging them to help me. 4 months and no car, all I needed was helping closing out my XXXX XXXX so they could receive payment. Instead they still call me asking for payment and then put it on my credit. I struggling to buy a car now due to this. It looks like I didn't pay my loan. When call I get I'm sorry I can't help you and they transfer me and I explain my hearing please dont tranfere me to another voice I might not hear, but they do. I have a XXXX XXXX XXXX XXXX XXXX XXXX so I'm XXXX XXXX XXXX XXXX XXXX. Instead of someone treating me like a human and going a step above they ruined my credit and this violates my ADA rights as well. I'm struggling and I begged and cried for help and repeated myself PLEASE document that I'm hearing impaired. They are always clueless when they call.
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Hello, I hope this note finds you safe and well.
I paid Westlake Financial XXXX 2021. Ive been requesting a {$0.00} balance letter since XXXX 2021, but have yet to receive it. I havent received anything by mail or email. I requested it again last week, but have yet to receive it. Since they have failed to provide the letter, I disputed the account with XXXX. On XXXX - XXXX sent a letter advising the information being reported was accurate- but it is inaccurate. I called XXXX and requested to know their investigation process as I did pay Westlake XXXX 2021, and was told by Westlake theyll update my file and have the reporting removed in its entirety, but neither of that has happened. According to XXXX from XXXX ( call was on XXXX/XXXX/2021 at approx. XXXX XXXX ), the investigation is as follows - they submit the dispute to the lender, the lender in turns enters whatever information they please into a software and that information is electronically sent back to XXXX. XXXX trusts that the lender will submit accurate information. This is not an investigation. This is incompetence. The same analogy I have XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr- he enters or says no - and hes free to go based on that answer. That would not be considered an investigation. This procedure should be eliminated in its entirety and lenders should be challenged. If customers are trusting credit bureaus to conduct an investigation- it should be done as such.
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| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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Am a XXXX XXXX XXXX retiree that inquired about one specific vehicle on a used car lot XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. I did not sign a consent for credit to be run. I was verbally told by XXXX XXXX, salesperson, that I was already approved to buy the specific vehicle, which was a used XXXX XXXX XXXX. I specifically told this salesman to not apply for any kind of loan, but just use this approval. He agreed, said I was for sure approved and asked that I send 3 months of bank statements and proof of income. These were submitted online to him ( have kept emails ) and I was awaiting for finalization of deal on XX/XX/2022 for pickup no later than XXXX or XXXX ( substitute teach and working on XX/XX/XXXX ). I called on XX/XX/XXXX and was told by XXXX XXXX, that 'sorry, we sold car to someone else and forgot to call you '. I subsequently have been receiving XXXX to XXXX letters a week in the mail from multiple loan companies that XXXX XXXX XXXX took it upon themselves to apply to WITHOUT MY CONSENT. It is now XX/XX/2022, close to XXXX weeks after which XXXX XXXX apparently ran my credit on XX/XX/XXXX. XXXX, I contacted Credit Bureau XXXX XX/XX/XXXX and they put a 'fraud alert ' on my credit report. I called XXXX XXXX XXXX a little over a week ago and he not only did not apologize, but basically expressed that he did not care -- expressing that the XXXX loan letters for weeks on end is what they do, and did not care that I did not consent.
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| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Westlake Financial is responsible for the following : 1. ) Westlake Financial failed to disclose that the note is treated the same as cash and is a valuable instrument.
2. ) Westlake FinancialDid not confirm that I was accessing my own credit, that actually derives from me. Westlake Financial is just keeping a record of it.
3. ) Westlake Financialdid not state that they would keep the note when I re-pay the loan.
4. ) Westlake Financialdid not state that they were going to sale the note 5. ) Westlake Financialdid not state that once they sold the note, that they were going to apply the funds to the loan and that they were going to keep the funds themselves, thereby enjoying unjust enrichment.
6. ) Westlake Financialdid not state that they were going to insure the note, thereby creating a conflict of interest whereupon it is in their interests that I do not pay 7. ) Westlake Financialdid not state by depositing the note that I was providing them with an implied Power of Attorney and doing things on my behalf with my signature 8. ) Westlake Financialdid not disclose that they would benefit from using my property for profit and gain.
9. ) Photocopies are being used for an alleged obligation or a liability, Westlake Financialdid not disclose the number of photocopies on hand.
Westlake Financialis a Fraud 1. ) Misrepresentation 2. ) Inducement 3. ) Concealment 4. ) Theft 5. ) Extortion/ Menaces/Duress 6. ) Racketeering 7. ) Money laundering
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| 06/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Well I had spoken with them 55 days ago stating that I was trying to get caught up on my loan. I told the rep that I could pay XXXX dollars and hopefully have the rest of the payment to them in the following 2 weeks. The rep said ok, I will note your account and you shouldbe fine. Everyday leading up to and prior to that if I was one day late they would call me at 7 times a day, even though I had already spoken to some, they would not leave voicemails they would just call back to back numerous times. So my payments are due the XXXX of every month, I had the car for 2 years was pretty good at making my payments on time. Now comes the morning of XX/XX/XXXX. I wake up to no car in my driveway. Mind you I had already spoken to westlake financial about my loan. I told them I would be getting caught up when I had gotten paid. My payment was XXXX a month. The website said I owed XXXX to get caught up. When I called them to inquire about getting my car back they wanted XXXX dollars, they couldn't even explain to me why they wanted much! And to top it off they couldn't guarantee when I would get my car back if I paid that! Fast forward to Saturday XX/XX/XXXX, I just recieved in the mail from XX/XX/XXXX a letter about me being seriously delinquent on my loan. I just want justice for myself and everyone else who has been tricked or robbed by this company and thier in my eyes messed up practices. Thank you for your time and hopefully I can get this resolved.
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| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/XXXX I called XXXX to inform them I will not be able to make a payment due to my office being closed as a result of the Covid-19 crisis. I asked to defer the payment & the agent informed me they are not able to do so. He stated for me to call after my account is delinquent for assistance. My payment was due on XX/XX/2020 and I did not make the payment. On XX/XX/2020 I received a call from the agency asking for the payment. I informed them I am still furloughed & again asked to defer the payment. Again I was denied. Today I received a call from their agent again asking for payment. I informed the agent I still have not returned to work & I am unsure of when I will be able to pay. The agent then asked me what is the status of my stimulus check. I did not have to but I informed her I received it but used it to pay my rent so my children & I could have a safe place to stay. The agent then responded by saying she guesses I do not need the car because it will be reposed due to none payment.
The Covid-19 crisis is affecting the world and I am doing my best and I have tried my best to get the agency to assist me but they have not and now I am being threatened with my car being repossessed. I was under the impression that the banks/loaning agencies were supposed to work with us because of this crisis. Please assist me in resolving this issue. I do not want to get my car for free I just want the payment for XXXX and XXXX to be deferred for now.
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the recent repossession of my vehicle and the inaccurate reporting of the outstanding amount by the finance company. The vehicle in question, XXXX XXXX XXXX was repossessed by Westlake Financial. At the end of my lease term. Following the repossession, I promptly contacted the finance company to settle the outstanding balance because I was unaware I owed anything. I can confirm that the vehicle has been sold, and the payment has been made in full, in accordance with the terms of the loan agreement. Despite the successful resolution, I have noticed that the finance company continues to report an inaccurate amount to the credit bureaus. WESTLAKE PORTFOLIO MANAG XXXX This discrepancy is causing a negative impact on my credit score and financial standing. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the reported information accurately reflects the resolution of the account. I have attached relevant documents, including proof of payment and the sale of the vehicle, for your reference. I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will work to rectify the reporting discrepancy, allowing for a fair representation of my credit history. Thank you for your assistance in resolving this issue. Sincerely, XXXX XXXX
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| 06/10/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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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.
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| 11/22/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was offered a settlement by Westlake portfolio management for an existing debt. I was offered this settlement on XX/XX/2023. I made the payment as requested and was promised by the representative that I would receive a confirmation of settlement letter in my email and my credit report would be updated within XXXX days to settled for less than full balance. I never received a letter and my credit report only updated the payment I made not the balance. I called back and spoke with XXXX again who said he didnt know why I didnt get the letter, but he would ask for it to be sent again to my email and that the credit report would be updated shortly. I never got the letter. The credit report was not updated. I believe the representative used the settlement offer to get me to make a payment so he could get credit for the payment and never intended to settle my debt. My credit report is still showing the full balance of the debt and no settlement, that is complete misrepresentation of what my balance is supposed to be and what I had to pay to clear my balance. My attempts to get this resolved with the company have been completely ignored. They tell you they dont have supervisors that they can give you to and I just have to wait for emails that never come. My credit has been damaged by this company after I was promised a settlement to clear my balance. This is a misrepresentation of balance owed not to mention outright dishonesty to collect funds.
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| 10/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
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I dont speak English I am using a translator .they are two problems with the same company, one for the GAP insurance and the other for three fines that they took from me for not having funds in my account according to them, but I have proof that the amount since it began in XX/XX/XXXX, the lowest balance It is {$1500.00} dollars and what I have to pay to Westlake is {$480.00} dollars. From the beginning on XX/XX/XXXX they charged two insurances, one from GAP and another from GAP and premium, I called for months and in a call in XXXX they told me that I could be calm down they would no longer charge that insurance and I continued paying my monthly fee until XX/XX/XXXX when I had to change banks for automatic payments, I called and made the change and found out that they were still charging me for the GAP insurance but it was accumulated months ago, so I filed the complaint a month on XX/XX/XXXX I called to ask why they had not withdrawn the money from my account, and they told me that the account was without funds and that for that they would charge me XXXX dollars, I called many times I recorded the conversations ones where they told me not to worry about sending the proof of the complaint, I sent them to the mail and the only thing they answered me was, ( you can not waive the GAP insurance, the contract says it, they never answered what they charge me for the fines of I did not pay unfairly and that the insurance will continue to collect.
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| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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|
Web |
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They are claiming that they mailed me a letter saying they were going to repossess my car. I never received a letter. They also say that I told them to put my number on the do not call list which is not true but that was their excuse for why they didn't call me once leave me a single voicemail. It is the middle of a pandemic I suffer from XXXX XXXX my medication was in that car all the masks that I need was in that car I can't even walk to the grocery store right now because I don't have a mask how is it that during a pandemic they have the right to take my car without calling me once like I said don't claim they mailed it to me but that does not prove that the letter ever got to my mailbox that is a fact They repossessed my car without even notifying me once here 's the kicker I'm now paying {$500.00} to get it back plus paying the loan off because not having money was not an issue I only Mr. XXXX it because I thought I made one apparently I didn't so they didn't even notify me I had money the entire time the loan is now paid off in full I am waiting for them to release it and do all the nonsense involved with getting my car back but I would like to take civil action against this company and recover the {$500.00} that they are trying to charge me after taking my car without notifying me. Wilshire consumer credit is corrupt. Unprofessional and since they didnt notify Me that means they did not repossess my car they actually stole it!!!!!!!
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries.
Listed inquiries below : XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
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I purchased a vehicle with Us Auto Sales back in XXXX of XXXX. During that time i was making timely payments on my vehicle on the days that we agreed i would make my payments on. I was never late or never got behind with any of my payments. In XXXX of XXXX i found out Us Auto Sales abruptly closed without letting me know they were shutting down. In XXXX of XXXX i found out debt collector, Westlake Portfolio Management, said they were taking over for Us Auto Sales. I did my research and Westlake is not my lien holder for my car because it still states Us Auto Sales is still my current lien holder for my vehicle. XX/XX/XXXX of XXXX, i woke up in the morning to find my car gone. Westlake put an order out for my car to be repo without any notice to me or anything, but my car is gone. When speaking to Westlake i asked if they had any type of contract i had with them, but they cant produce a contract because I never signed a contract with Westlake Portfolio Management. Even now speaking with Westlake going forward trying to find the vehicle because i have personal items i need to get out the car, they keep giving me the run around on where the car is located and that is against the law. Both Us Auto Sales and Westlake are scamming and illegally taking folks cars because Us Auto Sales technically didnt have a selling license in the state of Georgia since XXXX and for them to still be able to sell cars all these years after is basically wrong.
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| 01/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Financial institution XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - Westlake Financial Services.
They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and XXXX they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future
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| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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|
Web |
Servicemember |
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I purchased a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX here on XXXX. The loan was initiated for XXXX minus a down payment of XXXX dollars. The loan carried XXXX XXXX XXXX XXXX XXXX XXXX
The first payment is due XXXX. Somehow in this short time at a little over XXXX XXXX a day interest, my payoff balance is almost XXXX XXXX Further research into this companies practices has revealed numerous complaints ranging from holding payments until after the due date to exorbitant balloon payments and extra fees to not providing titles upon payoff.
I initiated the process to refinance with my credit union ( XXXX ) two weeks ago. It was approved and the check was sent to Westlake financial ( per XXXX ). XXXX states that the check has been sent but that Westlake has not cashed it.
I have called Westlake financial multiple times over this week to inquire about this. I have been hung up on twice and when I was able to make contact I was not given any answer but to wait.
As I wait, the balance continues to grow. This company has proven itself predatory and reckless in their money lending practices and I am amazed that they are still carrying a license to lend at all. However, I can only speak to my own experience with them. I have paid off this car by proxy with XXXX. Westlake Financial 's excessive fees and refusal to honor this payment in a timely manner can only be assumed to be a money-grabbing practice and constitutes wire fraud and theft.
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| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
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there use to be a XXXX dollar interest at the begin of the loan for the vehicle when i would be passed due because the loan was pricy so i know have to pay XXXX dollars of interest a day the vehicle was sold to me at full price when it was used and my contract was very sketchy plus there has to be proof of malpractice issuing these crazy interese rate for used vehicle because Westlake financial services has been order to pay a settlement of XXXX XXXX dollars to consumers and i purchased a vehicle right after the date in XX/XX/XXXX a year after they found them guilty. Which were used between XX/XX/XXXX and XX/XX/XXXX, violate the federal Fair Debt Collection Practice Act and the Truth in Lending Act, the bureau said i quote XXXX XXXX. I was subject to phone call debt collections right after 3 months and then i would pay high interest and would not qualify to refi because i was in debt and once i was out of debt i still wasnt qualified to refi with Westlake financial service i was given a small window of opertunity to purchase the car by Westlake 4 year term and would like to extend term payment or lower interest rate i feel hopeless when they use tactics to repo the vehicle when i was working in the XXXX XXXX city left it parked and was repo by city traffic control i was only backed up 2 months and had the vehicle for well over 2 years and cant believe i still owe a lot i feel they are commitng fruad the payment doesnt go down.
|
| 05/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Older American |
|
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.
|
| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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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.
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
I purchase the loan from westlake financial for {$13000.00} with a term of 48 months i been constantly making payment each month without missing any payments. I brought the XXXXXXXX XXXX XXXX on XX/XX/XXXX from del-auto, then i request for a payments history on my account it showing that some of my payments showing undefined, one dollar been deducted from the balance which remain the same after 31/2 years of contract payments, also my account show that the agency XXXX that was drafted out of my account that wasn't apply to my account balance. when i tried to contacted customer service or a manager there were no responds to this matter. My income is one a month SSA, during the COVID-19 westlake financial would not help any of their customer doing that difficulty time. so the amount of payments has a error with the incorrect balance that i begin when i first purchase the car for that price. so westlake finanacial sent a towing company call quick assess recovery who vadil, damage, missing personnal items from my car when they reprossess for one month of missed payment. I have all my documents showing the payment that was drafted and never apply to my account. i feel that this matter need to be address or investigate. I appreciate if you look into this situation fully. westlake financial XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX or XXXX customer service my name XXXX XXXX account # XXXX email adressed XXXX XXXX
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| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Us Auto Sales has been a terrible company from the beginning. Turning off our vehicle through gps even when we paid on time or told them when we would be able to pay. All new and old information given to Us Auto Sales including new job, new pay dates due to my job being bought out by new owners. Or new car insurance company were never reported or documented. Now with Us Auto Sales going out of business in XXXX. They failed to inform us of who is taking over our loan. I then finally stumbled across an email in late XXXX, XXXX only with the details of my car. I only paid my bill once for {$200.00}. Next bill I received was over {$2000.00}, I then called and emailed WestLake Portfolio Management because this is who owns the contract now. I asked them where did this balance come from an extra {$780.00} versus {$200.00} not even a month later. They in turn told me they would call or email me back in XXXX business days. Never received a call or message. I didn't pay a month of a car note. No one in their right mind wouldn't pay a bill that didn't make any sense. Next thing I know my car is repossed. I obtained a lawyer but I am unaware of what to do now. They double charged me for crazy things like paying my bill and looking at my billing statement. Please help me figure out this. I want my truck back that is already mine I'm just paying for a warranty now that is non existent. I want my money back and my truck. This is unfair.
|
| 09/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My vehicle was repossessed in XX/XX/XXXX while I was in the XXXX XXXX without warning. I was in contact with the bank the entire time during my financial crisis due to the car breaking down and requiring XXXX of dollars in repairs ( entire new motor ).
They seemed to understand over the phone and gave no warning they would repossess my car.
After the car was repossessed I called to ask how I could get the car back, they told me they will mail me the auction location.
By the time the mail came it was passed the date of the auction so I had no chance to retrieve the vehicle.
I asked how much they sold the car for and how much they took off the loan. Was never given this information.
Over the course of 6 years this loan debt has been sold more than once like its still a car.
The company wrote this off on their taxes years ago and are still throwing this around on my credit report. They also tried to scam me into sending them money even though they are no longer the loan holder.
I want this account closed, as I have suffered enough over the last 6 years due to this company not communicating with me. It was unfair the way this company went about this entire situation. Not disclosing the amount I was owing after the auction and mailing how to get my car back instead of telling me over the phone. No warning when I spoke to them a week before the car was taken, even though I told them payment will be sent in a week.
|
| 11/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
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Westlake Portfolio Management stole my personal vehicle on XX/XX/XXXX from XXXX parking lot at XXXX. The XXXX address is XXXX XXXX XXXX, XXXX GA, XXXX.
I reported the stolen at XXXX with A XXXX XXXX XXXX and received a case number On XX/XX/XXXX at XXXX, I spoke with XXXX and requested evidence of the original contract. I also requested evidence that I gave Westlake Portfolio Management permission to obtain my securities. XXXX ( XXXX ) informed me he would have to transfer me to his supervisor XXXX XXXX to speak about the securities. XXXX also informed me that he put in a request for evidence of the original contract.
On XX/XX/XXXX I called at XXXX and spoke with XXXX ( XXXX ) and she transferred me to XXXX XXXX her supervisor. XXXX gave me the personal number to XXXX XXXX. In the voicemail, I demanded evidence of the original contract which is an asset.
on XX/XX/XXXX @ XXXX XXXX. I spoke to XXXX who transferred me to XXXX XXXX, the individual who has been working on my file. I informed XXXX that the time allotted XXXX hours for the contract has almost passed. He informed me to keep calling back until I received the email. As of XX/XX/XXXX, no contract has not been received.
on XX/XX/XXXX I spoke with XXXX and emailed my notarized XXXX certificate of origin document to Westlake as evidence that it is my personal vehicle and Westlake in conjunction with XXXX is restricting my constitutional right to travel.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my Westlake account.
I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record.
Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a single mom with XXXX children, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Thank you for your consideration, and I hope youll approve my request.
Best, XXXX XXXX
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " XXXX/WESTLAKE FINANC '' I do not recall authorizing or " someone is using my identity ''. I understand that " XXXX/WESTLAKE FINANC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
Inquiry date : XX/XX/2020 I sent a certified letter to XXXX/WESTLAKE FINANC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested XXXX/WESTLAKE FINANC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim.
XXXX/WESTLAKE FINANC - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " XXXX/WESTLAKE FINANC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, I am writing to dispute an unauthorized inquiries on my credit report. I retrieved a copy of my credit report from a few organizations and noticed a credit inquiries that I did not authorize.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX Sincerely, XXXX XXXX
|
| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
This complaint is in reference to Westlake Financial Services account number XXXX Westlake Financial violated the Fair Debt Collection Practices Act, 805 ( b ) which states " Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Westlake called my friend regarding the repossession of my vehicle after I stated to them over the phone that I did not have the funds to pay to get the vehicle back. In an effort to continue collection, they did this without my express permission, nor with my knowledge. I don't know how they got her number, but she informed me that she got a phone call at XXXX XXXX on Thursday, XX/XX/2023 from them, from the phone number XXXX. They called me 20 minutes later, at which point I answered and informed the caller on the recorded line of their above referenced violation, that this violation will be taken seriously, and that I will be reporting them to the CFBP.
|
| 12/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.
|
| 05/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
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|
Web |
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I work at a XXXX XXXX and I have been looking for a second car. Simultaneously my boyfriend was also looking for a car. I originally applied for a XXXX XXXX but I wasn't sure so I held on and he applied for a XXXX. He qualified on his own with his full time job but as he does XXXX XXXX for my XXXX I wanted to include that as supplemental income, the deal was rejected because the internal documents that we submitted to prove his supplemental income were rejected unfairly. The lender had us re-apply with only his full time job and then denied it on the same basis using the second application as proof of the fraud, which was their fault in the first place and the loan should have never been rejected. He decided to buy a different vehicle because of the mistreatment from Westlake and I decided to buy the XXXX because we had already paid for it and ordered the title and the business was out of that money, so I decided to take in on because I like the car. Even though I'm putting more than half down it's being rejected as a " straw purchase '' as if I'm buying it for my boyfriend, who is now just a friend and I am no longer in a relationship with. It is not a straw purchase. Westlake Financial is able to charge high interest because they hire bottom of the barrel people to give first time and second chance loans, unfortunately this means that mistakes are made and they are making mistakes over and over.
|
| 04/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.
|
| 06/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
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On XX/XX/23 I purchased a vehicle that I finance through Westlake Financial. I placed {$10000.00} cash as a down payment and signed lending paperwork to payback the loan at {$830.00} starting XX/XX/23. I called Westlake Financial on XX/XX/23 to pay my loan payment and they said my account does not exist. The verification department stated that the loan was revoked as of XX/XX/23. I asked for documentation to support their claims and Westlake Financial 's Customer Service Department and Verification Department refused to furnish any information regarding the state of my loan account. I asked to speak with someone in management several times. I was declined, saying that if I don't have an open account, I can not speak with anyone. Westlake Financial also withheld my tags for over a month preventing me from working as my loan was for a work vehicle. I have missed out on over {$25000.00} worth of work because they refused to send me my temporary plates and registration unless I paid for it 2 times. The registration and tags were finally sent on XX/XX/23 after Westlake Financial charged me an additional {$150.00} for my registration and tags that I had previously paid. They are now trying to get me to finance the same vehicle that I have had a loan on for over a month, again at a higher finance charge and omit any payments I have already made, implyiong this is the only way I will get my account back.
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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Westlake kept calling me about car payment for XXXX payment. I told the agent that I made my payment it came out of my account. But, they kept calling me saying I didnt pay. I told them I paid it on the XXXX for XXXX. They stated they dont see the payment in their system. They continue to harass me about this payment. Then on XX/XX/XXXX I spoke with an agent he stated they missing XXXX payment but I let him know it was on XX/XX/XXXX payment was made for XX/XX/XXXX. Then, he stated I missed a payment XX/XX/XXXX. I told him XXXX payments were made in XXXX, XXXX and XXXX. This car loan was 72 month and XX/XX/XXXX is my last payment. They sent a letter stating missing payment for XX/XX/XXXX that I owed {$600.00} with a late charge if {$15.00}. I told them subtracting the payment made on XX/XX/XXXX leaves me owing {$230.00}. I would like my title for my car. Then, I received letter XX/XX/XXXX stating I owe them a past due {$620.00} for XXXX XXXX and it is past due 16 days. The letter stating it will charge off and a negative credit report submitted to credit agencies. It is very weird that this happening when car is paid off. These are scam and predatory lenders been to be shut down. They have thousands of complaints but nothing done about it. I was finance by XXXX XXXX but Westlake took my loan over in XXXX. They are the worst company milking US citizens. Class action should be filed against them!!
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done.
XXXX.
( XXXX ) XXXX
|
| 12/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I just recently got the auto title loan due to rising medical bills. I was in this hospital for over 2 months, I 'm in XXXX, XXXX XXXX and have medical appts and tests that may XXXX XXXX XXXX XXXX due to being 7 days late on paying the payment. While at the grocery store with my son ( XXXX XXXX2017 ) we walked out and my car was gone. They simply told me oh I 'm sorry you should of called us but now you have to pay this fee and that fee which total to almost {$2000.00}. I told them its kind of hard to call when your in XXXX and cant talk because you have XXXX coming out your neck. They had 3 wrong numbers listed as my number when a gentleman called me on my cell confirming payment for the month prior. Thenthe following day they called me again to find out my payment status and I told them once again that I have my medical devices, medical papers and my social security forms in my car and my son and i walked home ( 4miles ) crying with groceries in our hands and it was 32 degrees outside the male told me well you can pay the repossession company to get your belongings back and the letter of intentions was already mailed out to you so are you going to pay the amount due which doubled over night. Im on a fixed income and now do n't have transportation period. But I will get my car back and will make sure these rude, uncaring and hostile employees keep getting in trouble for their deception ways
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
To Whom may concern, I brought a car from USAUTO sales In XXXX XXXX Ga XX/XX/XXXX. When I purchased my car I also Purchased the Vehicle warranty which USAUTO SALES never brough. I put over {$5000.00} down on my car on top of other fee 's I was charged. I recently received a email from a company by the name of WEST LAKE PORTFOLIO located in California which that company is a debt collecting agency stating my car loan will start over meaning everything I've Paid just doesn't matter. I do not agree with that decision being I've paid over {$10000.00} to USAUTO SALES and now since they filed XXXX A paying customer has to suffer. In XX/XX/XXXX US AUTO SALES filed for XXXX XXXX XXXX protection on XX/XX/XXXX. This new debt collection agency located in California keep calling saying they will repo my car and ship it to Nevada to be sold in an car auction. I've never signed any contacts with WEST PORTFOLIO, and they are not on my current contract nor have I signed any new contacts agreeing with them. US AUTO SALES broke the contact sales agreement started on XX/XX/XXXX. I've called all 3 credit bureau and USAUTO SALES was removed and zeroed out. My balance is {$0.00} as of XXXX need this issued addressed. If someone can please get back to me on this issue asap. I can also provide proof and receipts showing everything. I also have my buyer contract with a detailed contact between me and USAUTOSALES.
|
| 09/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time.
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Where do I begin.. I opened a loan with XXXX XXXX for an XXXX in XXXX of 2022. After XXXX days with the loan open, I had cancelled with dentist and loan company, as well as did not pick up the product. The loan company was bought out by Westlake Portfolio Management. I have called multiple times and was told my account had been closed, but that was never the case. I had found out recently when being pre-approved for a mortgage that my credit score dropped over XXXX points for delinquency. I called the loan company, and they told me that they could not make any changes and to contact all three credit bureaus.
I have put in numerous disputes and Westlake Portfolio Management is providing the credit bureaus with false information. First off, my loan was for an Invisalign ( not auto loan - I would like to report fraud ). Second the account was supposed to be closed of XX/XX/2022 not XXXX of 2022, again fraud. Not happy when my credit score is affecting my life before getting married and purchasing a house. I know that this company has been reported before so I figured this process would be simple, but it has been rather frustrating. I need these delinquency marks to be removed from my credit score as they should not have been there in the first place.
Also, every time I ask for written confirmation, they refuse to give it so I can not provide supporting documents to the credit bureaus.
|
| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On the XX/XX/2023 i made a car payment and I received a call on the XX/XX/2023 saying that my credit score was going to be charged off after explaining that im unemployed & i wont be able to make on time payments I explained my situation i make payments weekly for the value of a car which is {$2200.00} the dealership sold me the car for {$10000.00} the car was damaged & broken i called westlake financial for help they purposely put my car in repossessed hold because they cant help with servicing cars. I couldnt make the payments on time but they allow me to make late payments multiple times i have documents they transfer my account to a debt collector westlake financial theyve allowed me to make multiple late payments too their numbers is XXXX i was 24 days late on a payment and they repo the car. The car was broken down westlake financial as a debt collector couldnt provide any help so they put the car on a repossessed hold & XX/XX/2023 i made a payment missed 24 days they illegally repossessed the car as fraud theyve allowed me to make late payments countless times & theyve say ive missed certain days, weeks, & months but theyve still took the payments while i had the car on the XX/XX/2023 & they called on the XX/XX/2023 told them i was struggling with work Ill make a payment at the end of the month if i can. They repo the car in 24 days on XX/XX/2023 no warning, no call & no mail.
|
| 05/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I recently purchased a vehicle from Us Auto Financing on XX/XX/2019 in which the cash price of the vehicle was set at {$17000.00}. After Us Auto added their fee 's for service contract, XXXX XXXX ( {$790.00} ), amongst other fee 's my contract totaled out to be {$20000.00}. I was informed that I had also purchase collateral protection insurance to cover my vehicle while also having full coverage insurance, but later found out I did not need it. I was charged for the collateral protection the whole duration of my contract even after I sent in information stating I had my own full coverage insurance. I also had a device on my car called XXXX which allowed US Auto to stop by car for being late on a payment which I was never more than a week late. They also charged me extra fee 's to turn my car back on. I recently found out that US Auto sold my contract to Westlake Portfolio Management and now I have collection on my credit in the amount of {$10000.00} I did not agree to sign a contract with Westlake Portfolio Management and was not informed until after the my contract was sold to them I have sent Us Auto Servicing and Westlake Portfolio Management a cease and desist along with affidavit of truth through certified mail and have not gotten any kind of response. I am ready to taker next legal actions to correct this issue. XXXX copies of my serve contract, XXXX XXXX, Warranty 's and etc.
|
| 10/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XXXX I was double charged for my truck payment. When I contacted Westlake financial they said they would try to money transfer it back into my account if not they would send me the double payment check via standard mail. Then 2 weeks later I reached out to them they said it didnt work. I asked to have the check resent. Then Once 8 business days had passed and I have not received the check in the mail, I called back and asked to have the check canceled and just applied to XXXX truck payment. The women told me no problem she just had to email the accounting department to have them do so. I would see it applied with 48 hours. That was Monday XX/XX/XXXX. Then on XX/XX/XXXX. ( The day my payment is due ) I received an email stating i am late on my payment. I have call numerous times asking to have it fixed and asking for a supervisor. Every time I was either told they do not have supervisors, or put on hold for hours at a time. Or just hung up on. Then today XX/XX/XXXX I called, finally was given to a floor lead person named indigo, she told me theres nothing they can do but send another email asking approval for them the send another check for the payment I was double charge. Which I could be denied for again. which will take 7-10 business days do them to start the process. but if I dont pay my payment within 8 days they are going to start charging me late fees if I dont pay it soon.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
In XXXX of XXXX I purchased a XXXX XXXX XXXX from US Auto Sales located in XXXX, SC. I was reported late only once when I was put on leave from work due to a difficult XXXX. In XXXX of XXXX I was notified via email that I would now need to start making my payments through Westlake Portfolio. Prior to the due date of my first payment I contacted US Auto Sales regarding my warranty and the process to start a claim due to an ongoing service issue with my vehicle but was redirected via IVR to Westlake. I spoke w/ a rep who informed me ( in so many words ) that my warranty was void, they were not responsible for it and I would not be able to have my car serviced under my warranty but that my payment amount would remain the same. I received my first correspondence via mail from Westlake 3 weeks ago threatening repossession and after speaking with an attorney I paid Westlake {$270.00}. Another payment was submitted to them on XX/XX/XXXX, in the same amount, and on XX/XX/XXXX I woke up to find that my car had been repossessed. I contacted Westlake who could provide NO information as to what company had taken my vehicle or where it was and stated that I would have to pay off the car in full before it would be returned. They stated they had no record of my previous payments. I'm a XXXX mom of a XXXX XXXX old and worked extremely hard to purchase that vehicle only for it to all be a waste.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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The staff at Westlake Portfolio Management are a band of thieves!!!! I sought to get to the bottome of the fact that they were charging me extra fees. A female representative was very rude, uniformed and gave me the wrong name and wouldn't provide her customer rep ID #. They charged me fees for insufficient funds for my auto loan when the money has been available on the date they claim the money wasn't there.
Based on this institution 's engagement and reviews of its customers, it proves that Westlake is a candidate for an in debt audit and investigation. There is something going wrong with this company in terms of hidden fees and the extra charges it places on its customers, especially those like myself who have money available for the ( auto-pay ) I was using. It appears that when customers are not looking, this company chooses not to may the withdrawal in order to stack up insufficient late fees. This is criminal. Please take a look at this company??????
I have added their reviews to establish that this is not an isolated issue.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time.
XXXX XXXX XXXX.
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| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.
These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
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| 05/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XXXX XXXX XXXX I brought a XXXX XXXX XXXX from US AUTO SALES in XXXX, Ga at the dealership. Within a week, the transmission was already slipping. By month two the transmission had gone completely out. After taking the vehicle to XXXX located on XXXX XXXX, and waiting over a month and a half for a {$5000.00} brand new transmission and approval from the warranty company XXXX, I received the vehicle back. But unfortunately it was doing the same thing and a week later, the transmission fluid started leaking. The XXXX told me it was my fault because I had hit a median or pothole. But after getting a second opinion ( on camera this time ) I was told they had put a bad transmission in my vehicle. Rusted out was the exact phrase used. US AUTO SALES PROMISED TO REPLACED THE VEHICLE BUT KEPT GIVING THE RUN AROUND. This went on for almost a year with the vehicle constantly breaking down and almost causing numerous accidents. Then in XXXX they shut their doors indefinitely and unexpectedly. Taking the money out of the account for XXXX ( our warranty ), our roadside, and our GAAP. All with a broken down car and empty promises. And the day before they cut their phone lines, they repossessed my vehicle. They took over {$2000.00} from me as a down payment and I couldnt even submit a letter of remittance. I want my down payment back as well as the loan removed from my credit report.
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| 05/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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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.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I purchased aligners through XXXX and was paying them directly until they sold my account to Westlake Portfolio Management who are servicing the loan.
I have spoken to several ( supervisors ) who has'nt taken the time to listen to the issue. Its a group of fast talking XXXX know it all, who's task is to treat you like a criminal who refused to pay their bills. The real issue is that when they took over they did not align the technology ( ACH/ auto payments from the existing XXXX customers ) This issue is that when westlake portfolio took over the loan, they didnt notify me by electronic means ( i had signed up for electronic commnication ) I am unable to view my account. When I login, I get an FAQ page, no account or payment details. I have called several times to complain that I can not see my account information and I urgently need to change my payment method on file.
I keep getting the runaround. I get hung up on and have to deal with rude XXXX guys with very bad english. I Was told that it would be resolved about 2 weeks ago after calling several times. After the call today the guy ( who refused to give me his name ) provide me with a an email that contained the error of billing and said this is all we can do. This erro has caused my credit rating to drop from a XXXX to a XXXX ... ... all for a {$89.00} erroneous late notice of 30 days that i never received.
|
| 12/02/2015 |
Yes |
- Consumer Loan
- Personal line of credit
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- Managing the line of credit
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Web |
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I purchased a XXXX Mitsubishi Montero XX/XX/XXXX. It was financed through West Lake Financial XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I found out XX/XX/XXXX that they were not reporting to the bureau. I called to correct this problem, I was told by West Lake staff that they did not have my social security number. I sent the necessary information, which was requested by West Lake in order for them to begin reporting. I called XX/XX/XXXX because I was informed by the credit repair company that I was working with at the time that West Lake was still not reporting, mind you I have been in good standings with them throughout the duration of my loan in attempt to rebuild my credit. So I was told to send the same information again so I did. I went to purchase a newer car last week and to my surprise West Lake is still not reporting. I called and spoke with numerous customer service reps and supervisors and this time they told me they have my information from when it was sent XX/XX/XXXX but I need to send it again via fax and call back so they could pull it and add it to my file. I was told after this they would begin posting immediately. I did as I was advised, however once I called back the story changed I began getting the run around and was advised to email it because they can not receive fax. I emailed the information needed and they still refuse to report my credit.
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| 04/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I am XXXX XXXX and I am submitting this complaint against WESTLAKE FINANCIAL SERVICES WESTLAKE FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ).
All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to WESTLAKE FINANCIAL SERVICES to FURNISH this account/item.
The DATE OPENED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) WESTLAKE FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently.
They have FAILED to provide me with the requested information, see their responses.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
|
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This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I was a customer of US Auto Sales. When they went out of business they illegally " transferred '' or " sold '' our loan to Westlake financial. Unlike most people involved I have my original contract. In this contract it clearly says that our contracts can not be given away, transferred or sold. It goes on to say that no oral changes can be made to this contract, all changes must be in writing and agreed upon by all parties. US Auto had breached the contract prior to Westlake taking over by not paying for the extended warranty I had been paying for. Westlake continued to not honor any of our original contract but are currently stealing our cars, my car was stolen by them on XX/XX/XXXX after they ignored all attempts by me to get a debt validation, a copy of my contact or proof that a court had approved them taking over my contract without having to have my approval in writing. They are currently in the process of selling stolen property. They are also breaking FTC law by harassing me through robo calls calling 1-3 times a day to a cellphone I did not give them permission to call. I have around 100 calls logged as well as voicemails of the harassment. In GA they are required to give a 10 a ten day notice prior to a repossession. They failed to do so. The company they had steal my car still has my personal property and struck another vehicle while stealing my car.
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| 07/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a letter in the mail from Westlake portfolio around XX/XX/2023 stating that I had a balance from the original creditor of {$2900.00}. I forgot about the letter but then I received another letter in the mail on XX/XX/2023 stating the balance is {$3600.00}. I immediately attempted to contact the agency I spoke with a representative who told me his name was XXXX ID XXXX, he was very rude when I asked him why did the balance go up and asking for clarification. He stated to me in a very rude matter Do you want to settle with us or do you want to file a report with FTC I see you have already dome that in the past you just need to settle the account or what. I asked to speak with a supervisor he stated the supervisor was unavailable. I disconnected and called back hoping to get another representative who can answer my questions I got a representative name XXXX XXXX he refused to give me his ID number. I asked him in regards to the discrepancy he stated that the bal was {$3600.00} the whole time when I Advised him that wasn't the case because I had received a letter earlier this giving another balance. He began to get rude as well and stated do you want to take the settlement or not. I asked for a supervisor he refused to put a supervisor on the phone I asked to be transferred to a supervisor voice-mail he refused that as well and he disconnected the call.
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| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased and financed and got a warranty for a vehicle in 2021 from US auto sales. I had been paying my car off without a hitch. All of a sudden in XXXX or XXXX US auto sales closed down without notice. Even after that happened I still continued making my payment on the website provided. A few weeks later I get a call from a company called Westlake Portfolio Management and they said they were taking over my contract with US auto and that not only do I have to pay them, but they also increased my loan payoff. Being that I wanted to make sure that I wasnt being scammed, I asked them to send me a copy of my contract from US auto sales and they responded that they didnt have the paperwork. I proceeded to tell them that I needed the contract to start making payments to them. They not only didnt send my the contract, they proceeded to illegally repossess my vehicle. Up till today, they never gave me any information as to the location of my vehicle to even at least get my personal items. This has been a nightmare. I dont have a contract with Westlake portfolio, they stole my car and my personal belongings and they must not get away with this. I either want my money for the car Ive paid and my personal belongings they stole or they need to give me my car back. They have no documents to show but decided they could do this to me! This has caused me XXXX and stress.
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| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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I financed through westlake financial for a used XXXX XXXX XXXX in XXXX of XXXX. In XX/XX/XXXX I used that car as a trade in with XXXX XXXX and they sent westlake a check for my payoff amount. The next day, before they got the check, my monthly auto payment came out. With the payoff being the full amount and then my payment coming out, there was a XXXX something dollar difference that I was supposed to receive a check for. I called them to let them know I moved addresses and they said they changed it on file. A month later I hadnt gotten the check and they said they sent it the day before that to the new address and it would be there within XXXX weeks. Then a month after that on XX/XX/XXXX I called, still not having received it, and the person I spoke to said the check was sent to the old address even though they said it was changed. I have called them 7 times now and asked for a supervisor. This supervisor isnt a supervisor whenever I call and they tell me the check was sent of different dates. Ive been told it was sent on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and Im yet to receive my {$430.00}. They keep avoiding any direct questions I ask them and have refused to give me a tracking number for the check that they have sent out to me. After 3 months of fighting with this company theyve only expected me to give up on it but I still want my money back.
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| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On JuneXX/XX/2021 I traveled from Indiana to XXXX, New York to purchase a vehicle from a private seller. I was told there was a lien on the vehicle, so I traveled with the seller to his bank, XXXX XXXX XXXX, and I paid off the remaining loan on his vehicle, XXXX approximately. I gave him a total of XXXX for the vehicle which he had previously purchased from a dealership for around XXXX. I recived the title for the vehicle, bill of sale, and lien release.
However, on return to Indiana and while attempting to register the vehicle, I was informed that I could not register it due to the fact there was still an open lien on the vehicle through a different bank called Westlake Financial based in XXXX XXXX, CA. I have attempted to contact Westlake over 15 times concerning this issue via both phone and email. I have sent them a number of emails stating my situation and providing proof of ownership with scans of the title, bill of sale, ect. but have received no response.
I simply want to know if there is in fact a lien still on the vehicle, how much money remains to be paid off, and if the lien has been satisfied I would like to receive a lien release so I can finally register and drive the vehicle I paid for. The previous owner is not cooperating either, but Westlake should be able to provide me with the information I request at this point. Thanks for your time!
|
| 12/30/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.
|
| 05/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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Westlake Financial Inc. account # XXXX is an old car from I believe 2012 that was repo 'd. Westlake on my credit report is showing that is is charged off and this car has not been in my possession for at least 4 years now. However, after applying for a mortgage, we noticed that Westlake has been reporting late payments several times through out the last 4 years and then the last 7 months in a row they have reporting a late payment even though this truck has not been in my possession for many years. My understanding is that when something charges off, that means the company decided to charge it off the books and therefore, they can not, in turn report late payments anymore sporadically or consecutively past the charge off date. I guess what I am saying is you ca n't be late on something that charged off. They have been doing this for years and years and has caused my scores to drop big time. I have been trying to get my credit back in shape so my family could purchase a home. After working really hard to do that I find out this company has been illegally, in my opinion, and willfully, charging me late to harm my credit. I am requesting all the late payment past 2012 be removed from my credit report and specifically all the late payments over the last 2 years should be removed ASAP since I have not had the car in my possession and the account was charged off.
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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I leased a car through American Car Care Center. I never received any notice stating American Car Center was going out of business or filing bankruptcy and another company will be taking over. Around XX/XX/XXXX, I started receiving calls from a company name Westlake Financial. Because I have been a victim of someone stealing my identity, people from another country was calling me asking for my bank card/credit card for payment, I refused to provide my personal information mainly my bank account information. I requested written correspondence by mail but I was never sent the information. Also, American Car Center verified my information many times prior to them going out of business and sent me correspondence by mail but no letter regarding them going oit of business. I found out that American Car Center went out of business when XXXX XXXX told me and I called them at XXXX to pay my car note but I got a phone number is no longer in service message. I never heard of Westlake Financial until they started calling requesting payment. They repossessed the car in XX/XX/XXXX, and although I no longer have the car, they still have it in my name the last time I checked ( my licenses where suspended but the State fixed it ) and the State if Florida checked and I tried to get them to resolve the issue but I have been unsuccessful. I believe they are committing fraud.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
Sincerely, XXXX
|
| 11/03/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
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I bought a truck advertised at {$6400.00} on XX/XX/2015. I gave a {$1500.00} down payment which left a balance of {$4900.00}. I received the loan payments breakdown of {$350.00} per month for 37 months. That is a total of {$12000.00} plus the initial {$1500.00} deposit. So I am financing {$4900.00} to pay back {$12000.00}? Furthermore, I did not get to drive the truck until the A/C was repaired as advertised. The car is not street legal as there are broken taillights which they promised to repair and the tag lights are also inoperable. I did not receive the truck until XX/XX/2015 with the paperwork of my financing. When I told them that I did not want the truck because this was not the advertised price, they said that I would lose the deposit and I already signed all the documentation. So then, Westlake Financial called me to ask for pay stubs. I asked them if I did not cooperate, would I still get approved for the loan. They said no. Good. Now I can get my money back.Right? Wrong! I have been lied to by every single person employed at XXXX and would like to purchase the truck at the advertised price of {$6400.00}, or return my down payment. Furthermore, they asked me to lie to the finance company -- by telling me what to say to them when they ask me questions. I am suppose to meet with the Sales Manager today and am extremely nervous about the outcome.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Hello. This complaint is against Westlake Financial Services. They refuse to report to XXXX and the other bureaus that I paid off my car on XXXX. My XXXX report is showing a balance with Westlake for {$16000.00}. I disputed this and received the dispute results on XXXX stating that Westlake verified to XXXX that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX.
I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by Westlake Financial ( {$16000.00} XXXX. I have the printouts from my personal and business checking accounts. I made 7 payments to Westlake totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the Westlake website showing my payment history and a note that my account is paid in full. Please contact Westlake on my behalf. Hopefully they will finally report to XXXX ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX and XXXX, to reinvestigate this account : Account name : western Funding Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with credit reporting. I have evidence to prove my case.
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX from US Auto Sales, in XXXX of XXXX. The car had a manufacturers recall on the engine, in which myself and my Husband received the notice for in the mail. In XXXX of XXXX unfortunately US Auto went out of business, and my car was taken in to my local Kia dealership for the recall work needed. Its actually a fire hazard issue. None the less, upon my car having to sit in the line of cars at Kia for over two months to get started on, the service Manager informed me that the recall work wouldnt be covered, because in XXXX US Auto didnt get the recall work done then. So XXXX refuses to do it. The cost would be thousands of dollars. Had US Auto still been in business, I would have gone to their dealership and they would have had to put me in another car, or FIX the issue!!! I literally have payed on this car since XXXX. I experienced them turning my car off on me when I was out of town and stranded on the last for a day late payment after communicating with them. XXXX XXXX XXXX has taken over their accounts, but are of no help. My car is still sitting at the XXXX dealership since it cant be fixed. I requested a voluntary repo and they havent gotten the car yet! I am at a cross roads and need help knowing what my next move should be. I am willing to speak to whoever about this and provide whatever documentation needed!!!
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| 05/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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During the COVID 19 I was unable to work then when work started back hours was cut I informed Westlake Financial services to see if they can push two months of my payments to the end of my loan they said no they couldnt do it because they did one month already I cant help it if the COVID 19 pandemic hardship last more than one month I am behind on XXXX XXXX two months of car payments my car was purchase in XXXX it was bought new but now its XXXX and this crisis pandemic made it so hard for me to pay my bills Im working now but hours got cut I barely make 40 hours a week Westlake Financial services auto loan is out of XXXX XXXX they call me everyday even on the weekend real early in the morning late at night I am XXXX XXXX I was waiting on my second stimulus check so I can pay them get caught up Now XXXX almost here then that will put me three months behind XXXX XXXX them they will repossess my car and I want be able to work because I want have no way to go to work this pandemic COVID 19 has made me XXXX XXXX I cant pay my car note and I need my vehicle transportation to get to and from work if i lose my car I will lose my job the lil job I have if I can get caught up I will be able to make it but they want work with me said they couldnt do it I just need my XXXX and XXXX payments push to the end of my loan and I can save up for XXXX payment
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| 05/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Loan amount on XXXX XXXX Loan amount on XXXX {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car. Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the XXXX and from the XXXX !!!! They charge a $ 7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course. I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan. You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.
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| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.
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| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a car with US Auto Sales in XX/XX/XXXX. This car had a finance charge of nearly XXXX on a XXXX car. The car was financed for nearly XXXX. XX/XX/XXXX the car broke down and left me stranded in XXXX in XXXX. I called about the warranty the following day and the service was denied. 4 times between XX/XX/XXXX and XX/XX/XXXX the car was in the shop for the same light/code.
I had payments deferred with US Auto because paying for the car with no help from the warranty made it difficult to keep up with the payments. I applied for a trade in in XX/XX/XXXX and was approved but never got the car because the company shut down. The loan moved to Westlake Portfolio management in XXXX, but I was never able to make any payments between the closing of the company and the transfer to WPM. However I had late payments reported on my credit report, then the entire history with the company was completed deleted causing my credit score to drop over XXXX points.
WPM does not honor the warranties and has no record of my payment history to prove my payments that were made to US Auto. Instead they want me to restart my loan. Additionally, a call to the warranty company on the original contract verified that a warranty was paid for in my end but never purchased by US Auto sales. I purchased a car in good faith and the car company acted fraudulently.
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| 10/14/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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There is already a debt collection on my Credit Report that is not my account and I have been disputing it with the Credit Bureaus from Westlake Financial Services Inc and the ORIGINAL supposed amount owed was {$10000.00} as of XX/XX/XXXX. I already was not aware of this debt and also the charge off amount and yet as I dispute the only thing that has been happening is the balance has been going up. Not to mention this account was closed way back in XX/XX/XXXX so how can the amount supposedly owed go up on an account that has been closed for over 2 years. On XX/XX/XXXX there was an alert of the amount changing from {$10000.00} up to {$11000.00} a difference of {$510.00} when the account has been closed since XXXX. Then yesterday I received another alert that the amount supposedly owed went up yet again from {$11000.00} to {$11000.00} an added difference of {$330.00} how is this even happening on an account that has been closed for over 2 years with no activity at all? That is a total of {$840.00} it has gone up for no reason at all this just goes to show that even the original amount supposedly owed was incorrect. This company is trying to scam me and is destroying my Credit Report in the process so I am filing this complaint since it does not seem like they are trying to help my situation they are just trying to ruin my Credit even more.
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being.
These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden.
The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures.
As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
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| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
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| 04/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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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.
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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After the closing of US AUTO SALES I discovered my warranty that was paid for upfront was void. The monthly state insurance was never valid. Westlake financial is now repossessing my vehicle. I am unable to use my purchased warranty any further. Also, according to the county I reside in, my insurance was never valid. I contacted westlake once I became aware of them purchasing my loan. The representatives were extremely argumentative and threatening legal action. Their only offered solution is repossession of my vehicle. I asked to be transferred to the escalation team or a supervisor. I was denied that request multiple times. There has been XXXX communication between us auto sales since closing their doors. Westlake financial calls me roughly XXXX times per day. My entire contract was violated and now they are only offering the solution of repossessing the vehicle I paid for. I was never behind on payments with us auto sales. I have a XXXX XXXX XXXX that was purchased in the beginning of XXXX. The most recent representative at Westlake financial laughed and berated me when I asked for the next steps or some guidance. When I requested further assistance he asked for what and stated he was unable to transfer me anywhere. He suggested I go and watch for the repo truck. I have been unable to reach anyone at US AUTO SALES for any help.
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| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Last year the car dealership repossessed my vehicle and I wasnt even late on my payment.. I always paid bi weekly on time. I was on XXXX at the time through my job due to a XXXX so after several months I let them no I will not be paying biweekly anymore I will be paying monthly. I made a full payment XX/XX/2023 with no late fee or anything I was in good standing. I informed the dealership I will be paying the full monthly amount in 30 days due to my income and they agreed to the changes. Two days before the payment was due I went outside to head to a doctors appointment and the car was gone. I couldnt believe my eyes. I cried all day because I couldnt understand how and why they would come repo my car and I wasnt even late. I called the dealership and they wanted to change me XXXX dollars for the tow. Another car payment and all these extra fees. I told them I couldnt afford that and I ask why would they take my care after we had an agreement on the due date. They left me with nothing except a tag to my car which was a XXXX. I was so relieved to see that other people had the same problem and it wasnt just me. Not happy to see other people going through this but knowing that I wasnt crazy nor in the wrong. Ive been through two XXXX XXXX since and mentally Ive been struggling after almost 6 months of car payments that was never late
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| 07/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
Servicemember |
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well, I pay {$30.00} a month to XXXX and XXXX to me with fixing a thing that I figured would be easy considering all the documents I've sent. The more I try to fix inaccurate information the worse both make my report. The people just don't understand English very well and do not understand the issue. I've had to a credit card company cut my card off because XXXX said it was related to fraud. the account was not related to fraud the two-month first premier report my payments late was not my fault they were late.they were late because of a fraud-related problem affecting my taxes and financial aid for school.com. Another issue I am having with XXXX is when I call them I noticed what they see in my report is not the same as I see when I'm login to my membership account. .Almost always they open another dispute after I get off the phone with them. a couple of times this has happened and I didn't make a dispute. They have the amount of money I have available wrong on my accounts the card limits on cards the date accounts were open. They do the opposite of what I tell him or show them. I paid my only two cards off they have a credit limit for both backwards and the account were both at XXXX for two months. now XXXX and XXXX with remaining available credit of XXXX, not XXXX. I think XXXX is the problem not my who I have accounts with
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| 11/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I purchased a vehicle XX/XX/23 my financing was done with XXXX XXXX shortly after I purchased a vehicle I was informed that it is very important to make my first payment. XX/XX/23 But shortly after I purchased a vehicle XXXX XXXX weeks later, the vehicle broke down. I also purchased a warranty the same day that I bought the vehicle from the dealership. The warranty stated that you must wait 30 days in order for the warranty to go active so I waited the 30 days after the 30 days I called the warranty company and they told me that the warranty was not active it was still in pending status as the dealership did not finish sending over the paperwork, so then I had to wait an additional two more week for the dealership to send over the documents In the process of waiting, I took the vehicle to a mechanic shop to have the vehicle checked out to find out what was going on. XXXX be sending over the documents along with the date that I purchased the vehicle and the documents from the mechanics shop stating what was going on.
The Vehicle breaking down, & having to wait the 30 days for the warranty to go active caused me not to be able to make my very first payment now Westlake financial does not want to continue the deal and back out of financing my vehicle I do not want to lose my vehicle as I will not get my down payment XXXX $
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| 05/24/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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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.
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| 11/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XXXX XXXX I purchased and finance a Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX and a week after I had to return to the dealership to advised them the vehicle was consuming a lot of air freezer and when driving it at over XXXX ml it loose potential and Check engine light was on all the time. I left it to them to fixed it and after 1 week they requested for me to pick up my vehicle that it did not have any issues. Continue with the problem and when again back to the dealer to get it fixed or to exchange for another vehicle. The Sales Manager XXXX XXXX when ahead and said to take it to the XXXX Dealer to get a Diagnostic he referred us with the XXXX XXXX in which they did a Diagnostic and after he got the repair amount he said he was not going to fixed it and told me to go back again for a second Diagnostic again he decline to pay for repairs. I then decided to take my vehicle to the dealer and told him I wanted my money back and my car payments I did for something they sold that they knew it had problems they did not even get the vehicle a full service when they sold it to me that was the XXXX Mechanic told me. Since I dropped off the vehicle on XX/XX/XXXX I have not received any call from the Dealer to resolved this problem. This people are doing bad business by selling cars that are defective with mechanical issues.
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| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/, a company called Westlake Financial ( Portfolio ) repossessed my vehicle without providing me with any prior information or an order. I protested against the repossession of my vehicle as I have requested information from this company since they took over from the original lender. Westlake claimed I missed a payment after taking over my loan. Despite presenting payment information, they requested more without resolving the issue. The repo man was disgusting in his behavior even pulling off with me still physically attached to my vehicle. I must now go to the XXXX to have myself examined due to my injured XXXX XXXX. He called Police Officers who threatened to arrest me for a civil matter when the man responsible for repossessing my vehicle was the one who was breaching the peace. The Officer stated that if I did not get out of the vehicle, I would be making matters worse for myself. I was publicly humiliated by this company and their repo company for an issue they deliberately neglected. It seems like they acquired my previous lender and are going to any lengths to recover their investment by unlawfully repossessing as many vehicles as possible. The repo driver told me that he had confiscated several vehicles for this company this week. He said that we, as the victims, should file a class action lawsuit.
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| 08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.
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| 12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Wilshire Consumer Credit is the worst company that I have ever had to deal with. I had a loan with them, and was paying {$14.00} extra per month just to pay off the loan faster. In XXXX I ran into some health issues and was {$16.00} short on my payment. WCC started calling me XXXX times a day, including Sunday. I spoke with them and informed them of the situation and that I would be paying off the loan. I got the information on the pay off and a check was sent out XX/XX/XXXX. They received and cashed the check on XX/XX/XXXX then on XX/XX/XXXX they repossessed my vehicle. Every customer service rep I spoke with was extremely rude and several hung up on me. They refused to give me any information on where my car was even just so that I could get my work badge and kids Christmas presents. Even though they repoed the car illegality, they refused to return my vehicle or my money. After fighting with them for days, missing work and my son missing school, I was left with no other option than to pay the repo. I sent them the payment of {$430.00} in the form they required and after they confirmed that they have received it, they said they didnt have any info in my vehicle and to call back Monday. I work weekends and this is the last weekend before XXXX!!!! They are crooks and have no sense of company/consumer relations.
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| 02/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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WestLake Finical continues to alter my interest rate as I continue to make bigger and bigger payments. They are not charging me according to my loan, but increases my rates when I make extra payments.
For example, in XXXX of XXXX I made extra payments and I was charged : + {$120.00} in interest. In XXXX I was charged + {$71.00} in interest The last payment I made on XX/XX/XXXX, less than 15 days after the last payment made on XX/XX/XXXX, was charged almost {$25.00}, about {$1.00} per day. The payments before that charged at {$0.00} per day.
I have a fixed interest rate but as I continue to make extra payments, they alter the interest rate that I have to pay. They are not applying the extra payments towards principle and stated they cant apply extra payments towards principle. I am nearly 2 years ahead of my payments and I believe I would have paid off my car by now, if they had not continued to change my interest rate based on my payments and extra payments.
Another example : XX/XX/XXXX I Mae the 4th payment in one month with a balance of {$3400.00}. I made a payment on XX/XX/XXXX in the amount of XXXX. Due to the increase in rate, the current balance is {$3000.00} because they charged me {$24.00} in interest and only {$420.00} went towards principle. But that was the FOURTH payment in the month of XXXX.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/, my final loan payment in the amount of {$88.00} was paid in full and on time as requested by Westlake Portfolio Management. I did not receive any correspondence after the final payment was made.
In XX/XX/, I received a notification from XXXX XXXX, that my Westlake Portfolio Account was 90 days past due with a balance of {$4.00}. I immediately contacted Westlake Portfolio Management and advised that per their billing system, my final payment was {$88.00} and that I had already paid that balance, the customer service rep disagreed with me and advised that I owed an additional {$4.00}. I then demanded a detailed payment history, which was emailed to me on XX/XX/ XXXX XXXX from Westlake Portfolio Management. The payment history also states that my balance is {$0.00}.
As of today, Westlake Portfolio Management is now incorrectly reflecting as a charge-off, with a past due balance of {$1400.00}, on my XXXX, XXXX, and XXXX reports. XXXX and XXXX are also reflecting an incorrect payment history ; XX/XX/ reflects as paid on time, then XX/XX/ is reflecting 90 days past due. According to all information listed above, my consumer rights were violated. After several unsuccessful disputes with the credit reporting agencies, I am asking that Westlake Portfolio Management, XXXX, XXXX, and XXXX, be investigated.
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| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a vehicle and the dealership set me up with an account at Westlake Financial. I then went to their website to create an online profile and set up AutoPay. I didn't realize at the time, but when I set up autopay it had set it up for the second month rather than the first. The dealership wound up calling me to ask about the first months payment because the bank called to notify that it hadn't been received. I then looked online and realized and made the payment immediately. After making the payment the dealership asked for confirmation, so I sent the statement from the bank confirming the payment had been made.
Westlake Financial accepted my first payment and then proceeded to sell my loan back to the dealership without ever notifying me or contacting me. The dealership then repossessed the vehicle, so not only was I out the car, but also the first payment that was made.
I contacted Westlake Financial many times and asked to speak to a manager, etc and was never able to get the call escalated to anyone other than the initial representative who told me that Westlake has a buyback program with the dealership, but also wouldn't share the details of that program with me. No where in the contract I have with Westlake does it mention this. The only thing it mentions is a late fee for missed payment.
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| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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The affiant is exercising its right of revocation under 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney used in connection with this transaction, including any derivative, hypothecation, trades, or transfers of possession, voluntary or involuntary involving each and every instrument. I was not informed of the existence of any such power of attorney and demand its complete revocation ; nunc pro tunc. As the affiant is aware, I participated in a credit sale as a result of the consumer credit transaction I got into with XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2021.
The affiant is aware that under 15 U.S. Code 1635, the affiant is no longer accountable for any financial change. Due to the sum of {$29000.00} relating to both the Truth in Lending Act and Regulation Z, the creditor must terminate any security interest and restore any money or property.
According to Bureau standards, each consumer credit contract must have eight needed material disclosures, which must be clear and conspicuous, bolded in ten point type, and sectioned off in boxes. A mortgage contract must contain nine required material disclosures. The contract furnished by XXXX XXXX XXXX XXXX, XXXX did not fulfill the entire requirements of material disclosures required by the Truth in Lending Act, as noted in EXHIBITS below
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| 09/11/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
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I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX
Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record ....
I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.
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| 10/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1662.
Account name : # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C. 1662 no advertisement concerning consumer credit may state that a specified down payment amount is required in connection with the extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.
I have also sent the company a affidavit of rescission of signature and a cease and desist letter, both notarized.
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| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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I have been dealing with this issue since XXXX, I purchased new XXXX XXXX in XXXX the financial company was XXXX making payments to them and guess they went out business and a XXXX party took over their loan long story short XXXX is still on title, this car loan is not on my credit report and has not been since XXXX I have been reaching out westlake portfolio management is the XXXX XXXX and I have been getting the run about my title. XXXX is saying their is {$0.00} balance and it shows void/canceled when I asked what does that mean they are telling me they never received it from XXXX and that XXXX XXXX has it I have contacted XXXX multiple times and they have insured me that never had it I gave them my full name, XXXX, and Vin number that dont havent Im just trying to Lien release or a letter of. Non secure interest to give to the DMV to remove XXXX off my title. I have tried talking XXXX but getting the run around and now Im being told its nothing they can do because they received anything form XXXX and that it went XXXX XXXX XXXX Id their anyway yall can help me get this issue resolved never received emails or phone calls or anything mail they said what was going on with XXXX I found out because I had called them and that was there automated response and it redirected you to XXXX and that was in XXXX.
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| 05/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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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!
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| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Westlake financial services in XX/XX/2022, forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. West lake financial has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car.
I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents.
I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls.
That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!!
I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature.
Thank you
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| 06/16/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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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!
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| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I entered into a consumer credit transaction with Westlake financial services XX/XX/2021. I extended my credit and authorized a the a promissary note with my name and signature which secured my payment in full through the finance charge. XXXX XXXX XXXX then gave me a repurchase agreement contract and never disclosed they had a security XXXX in my property which is a violation per 15 usc 1692j false and deceptive forms. They then sold my my own loan back to me and charged me XXXX. not only that they are taking cash with credit transactions. I paid a down payment of {$6000.00} and monthly payments of {$320.00} which is a vialtion of my consumer rights per XXXX XXXX code XXXX ( b ). The finance charge is the sum of all charges and It does not include any charge of a type payable in a comparable cash transaction. The cost of consumer credit as a dollar amount per XXXX Finance charge. They never fully disclosed the information to me. Also according to the Ohio attorney general they where supposed to give me my title at the time of sale or within XXXX days of the purchase. Ohio Revised Code ( ORC ) Section 4505.181 and ORC 1345.52. i was never informed I had the right to rescind and this is a violation per 15 is code 1635.. I also sent the a letter of recission and have not got a response back from them.
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| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XXXX, XXXX, XXXX I made a {$1600.00} down payment on a XXXX XXXX XXXX, I spoke with the representative of Westlake Financial Services in my loan interview and was told that the call was recorded. I was asked to confirm certain information and at the end of the telling me about my payment terms I was told Id have a 90 days warranty on my engine and transmission.
A couple weeks after that date I had been trying to get this warranty activated since there an oil leak the very next day after I brought the vehicle home. I was told that an investigation would take place on XXXX, XXXX, and that it would take 48 hours before they got back with me about the warranty, however, they never confirmed or denied anything.
I continued to call to speak with the warranty department and was eventually told there was nothing noted about my warranty on my accounted but no one bothered to pull up the recording where this was mention prior to me making my down payment.
I recently spoke with a manager to let them know I plan to move forward with taking actions about the loan due to the vehicle having several mechanical issues. The manager advised that I move forward with my actions, as hed understand if he were in my position as well. He has indicated once I file the complaint we can see what we can do from there
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| 10/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Pa. The suv was sold to me for {$37000.00} with a ticket price of {$39000.00}.
I put down {$26000.00} with a Certified check.
Also put {$500.00} down on debit card and then {$520.00} personal check and another personal check {$2300.00} for all warranty and the The platinum coverage.
I was then told I was finance with XXXX XXXX, but later found out I was financed with Westlake Financial. My loan was only supposed to be for {$13000.00} but was now {$17000.00}. I was very confused on everything an what just happened. So I just said I will just pay the car off sooner, Westlake Contacts me on XX/XX/XXXX and states I have not made a payment. I said I had and gave them Payment information. They then said my payment bounced. I have my bank statement saying it was clearly paid. I have all my payment proof information. They repossessed my car 4 times! With me making on time payments. I paid so much money and have been sending emails since XX/XX/XXXX trying to get my account fixed. They repossessed my car again and said I owe them {$21000.00} but will now sell me my suv back to me for the Original loan price of {$13000.00}. I then found out my Warranties were also in my loans that I paid cash for, as of XX/XX/XXXX Thank you XXXX XXXX XXXX
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have sent 2 separate but the same documents and written testimony of dates and to the best of truth against a repair shop, a towing company and Western Lending who is the car lender and involved in the end result of me never being told XX/XX/2023 when they offered me a 6 month/ {$600.00} deal for {$3500.00} to outright own my car that my original car loan has been put as a charge off on my XXXX XXXX XXXX mom and my credit report, and never once sent me any written or mailed document they did so or informed me in XXXX when a XXXX loan agreement was verbally made or I would of taken thought and made a possibly better decision over the crippling situation a lender I have kept my promise and in not default of, has done nothing but be the ones who accused me without knowing the whole truth of my vehicle being towed, accused me of breaking promises to them, has hung up more than once on me, has hung up on my mom and her bank when they called to ask about charges and money they pulled on her debit card, they have denied providing me a copy of the original loan agreement to see what proof and right I don't have to be accused of this tow nobody I guess can have happen or they take my vehicle, sell it possibly to the owner of that repair shop I wouldn't sell it to who knew the importance of and knew how
|
| 07/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
|
i am writing this complaint on Westlake financial services! This company has continued to harass me and threaten me about an alledge debt i owe, they have called me before 8 antimeridian and they have called me post meridian which is a violation of federal law 15 usc 1692a ( 1 ) and violating my consumer rights, i sent the CFO Chief financial officer XXXX XXXX a negotiable instrument for payoff of my auto which he accepted, the company has lost two payments that i sent to them and they stated i would have to send another payment because of their negligence! i talked to a lady today XX/XX/2022 which she threaten me and informed me that if i did not send an extra payment in today that they would repo ( seize ) my automobile, which is abusive language and a violation of 15 USC federal law 1692 ( e ) false and misleading representations and also violation of federal law 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE ( repo ) is a violation of this federal law! this company has disregarded federal law and has violated the entire 1692 ( E ) and the Fair, Debt, Collections, Practices, Act and violated my God given consumer rights and causing me XXXX XXXX and damages.
Acct # XXXX Thank you XXXX XXXX
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports.
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX.
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX.
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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On XX/XX/XXXX I, XXXX XXXX, purchased a vehicle ( XXXX XXXX XXXX XXXX ) from US Auto Sales XXXX. I used their in house financing & I also purchased a vehicle service contract for {$3500.00} included in my loan. My contract number is XXXX & that company is XXXX. When I purchased the vehicle it had XXXX miles on it & I was told my service contract would be active XXXX miles from that odometer reading. My car broke down in XX/XX/XXXX. When I contacted the service warranty department & they informed me that US Auto Sales failed to pay them for my service warranty & had done this to thousands of other people & that they were shutting down & there was nothing I could do about it. I was forced to create a go fund me to come up with {$2400.00}. Now a few days ago ( XX/XX/XXXX ) my car has broken down again & requires more maintenance that I can not afford. I am unable to get it fixed & unable to pay for a car that I can not drive because now I have no way to get to work. What US Auto Sales has done to me is gut wrenching because I have always made my payments on time & when they misplaced my payment for my service warranty, they stole {$3500.00} from me that I could be using to get my car fixed. I had it less than 1 whole year before it became inoperable. Its unacceptable & I would like my money back.
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| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
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|
Web |
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After performing a credit swap with XXXX XXXX XXXX on XX/XX/2022, which involves me providing my security instrument containing material information to secure all future payments, threatened jail time if I didnt make any extra payments after my security instrument in fact already secured such payments I was manipulated to be responsible for.
When performing an actual credit swap XXXX XXXX at no point disclosed to me that a security is required ( by law ) for consideration under the agreement/contract.
Auto Boutique never disclosed to me that I created a security instrument under the agreemenXXXX XXXX XXXX never disclosed to me they received my security instrument as a cash deposit onto their account ( XXXX ) /ledger XXXX XXXX never disclosed to me at ANY point my security instrument funds the credit for VIN # XXXX At no point did XXXX XXXX disclose we were engaging in a credit swap. I funded them-they funded me transaction.
XXXX XXXX then INCREASED the total sale price by 300 % from XXXX to XXXX, after explaining to me I couldn't receive the vehicle unless I made a cash diem payment which is pursuant to 15 usc 1605, in regards to the law the {$5000.00} down payment and ALL OTHER PAYMENTS made on a monthly basis to XXXX XXXX collected were all illegal finance charges and a violation.
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below.
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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My truck got totaled out. Was purchasing a new one. Old account with Westlake was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to westlake had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or westlake as a current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX human. I also have a XXXX so this really took a toll on my mental health
|
| 03/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
Purchased used car at XXXX XXXX XXXX. No buyers guide attached to vehicle stating " as -is ''. No warranty. After 5 days vehicle became inoperative. Contacted dealership. They ignored me. Would not fix, trade.nor refund down payment. Voluntarily returned vehicle to dealership via tow. Contacted finance Co. Told them what happened. ( XXXX purchased XXXX XXXX XXXX vehicle returned to dealership XXXX XX/XX/2022 ). ( Contacted finance Co XXXX XX/XX/2022 ) .. Was told to submit diagnostic scan. Did so. Scan submitted 6 times to 3 depts. Was told 4 wks later that since vehicle was returned, contract would be " unwind ''. 2 days after, finance Co. says case is STILL open/active and is in review.. Being charged for missed payment. Told to call back end of week, dealership " should '' have paid loan. Still waiting. Getting the run around. Credit being damaged. Dealership claims no knowledge of payment letter from finance CoXXXX and refuses to return down payment. Having EXTREME problems with WESTLAKE FINANCE and XXXX XXXX XXXX. I NEED this solved NOW. Don't see why I should pay for a vehicle that requires extensive repairs. Had I known the extent of the condition of the vehicle beforehand, I NEVER would have bought it. Westlake dragging their feet and keep referring me to different departments.
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXX XXXX XXXX worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let USA auto sales know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. USASF Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. USASF Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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In XX/XX/2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
|
| 02/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously.
I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people.
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back.
What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached.
I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.
|
| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Us auto sales closed on XXXX of XXXX. A lot of us consumers didn't know who to pay how to pay etc because sometime in XXXX they shut down the payment portal. My last payment was on XX/XX/XXXX through the portal. I reached out to the girl who sold me the car and she said she couldn't help me and didn't know who to call or what to do either. Around XXXX I found out westlake supposedly had my contract. I called on XX/XX/XXXX, told them I will make payment but I want the original contract and the new contract that states I have to pay them. I have been disputing this personally with westlake since XX/XX/XXXX. I belive they are charging me a higher interst rate than on the original contract. I still do not have proof of verification that I owe this debt to them. I am paying on a debt that I don't even know legally if I am supposed to. They don't have my name on some documents, when they email some of them don't use my correct name. How can I be sure? I am being charged a late fee on the XXXX of XXXX and payment was not do until XX/XX/XXXX. I was charged interest on the XXXX of XXXX but westlake didn't take over until the XXXX of XXXX. How can I be charged late fees to a company that didn't have power of attorney or anything yet? I have a future late fee on pay off for whatever reason.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " WESTLAKE PORTFOLIO MANAGEMENT " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX.
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " WESTLAKE PORTFOLIO MANAGEMENT " and " XXXX ". This charge may lead to a lawsuit.
Citizen Complaint Center Antitrust Division 950 Pennsylvania Ave., NW Room 3322 Washington , DC 20530 https : //www.justice.gov/atr/citizen-complaint-center
|
| 03/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a car loan thru XXXX XXXX that is current and the next payment due is XX/XX/XXXX. The car was stolen and totaled in XX/XX/XXXX and was located confiscated by the XXXX XXXX XXXX. XXXX XXXX told me they would retrieve the vehicle from impound, auction it and put any remaining monies to the remaining amount of the loan. They advised this would be about a 90 day process. I advised XXXX XXXXl that I would continue to make my payments until the process was complete and I receive a final balance. I have paid as promised and only owed about {$500.00} total on the initial lease. I made a double payment on XX/XX/XXXX. I spoke with a representative when I made the payment and no update was given on what the final balance would be.
I get an email on XX/XX/XXXX from WestLake Portfolio Management, a collection agency advising me the remaining amount of my lease has been sent to them for debt collection. They advise I owe {$1300.00} for a repossession. I called and verified this with them.
I never received a letter, email or phone call from XXXX XXXX about the final amount owed. I also never missed a payment. My online account shows current as well as my credit report.
WestLake Portfolio Management is trying to collect on a false debt and XXXX XXXX placed it there on false terms.
|
| 10/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2022 I requested via CFPB complaint # XXXX that Westlake Financial validated their right to collect an alleged debt that they are attempting to collect from I XXXX XXXX XXXX Instead of providing the necessary Information required pursuant to Title 15 U.S.C 1692g for I the consumer to properly validated my obligation to the alleged debt Westlake Financial sent me an account verification notice. At know point did I ask for any account verification information, I simply requested that Westlake Financial provide me with documentation to validate their right to collect any monetary payment for the alleged debt. To this current day Westlake Financial has failed to provide valid evidence that I the consumer owe them for the alleged debt. It has gotten worse because on XX/XX/2022 Westlake Financial took my vehicle from my place of residents without my consent and has reported this action as a repossession. Westlake Financial has sent me notice that they will be selling my vehicle in order to recover funds that I allegedly owe them for the debt that they have failed to validated. None of my valuable personal belongings that was in my vehicle was returned to me. Westlake Financial has claimed on numerous occasions that the federal laws governing the FDCPA does not apply to them.
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I rescinded the contract with the dealership on XX/XX/XXXX because the finance charge was not disclosed to me and I was told that must pay {$3500.00} XXXX in order to drive off the lot with the car today. Also, after they charged me for DMV vehicle registration fees, the DMV has informed me that XXXX XXXX XXXX has failed to submit DMV registration paperwork beyond 90 days from the purchase date. As of today XX/XX/XXXX, the vehicles registration is currently expired/suspended due to a lack of title registration from XXXX XXXX XXXX XXXX I believe that XXXX XXXX XXXX willingly and knowingly took advantage of my consumer credit. I was given deceptive and false information regarding the down payment and the finance charge was not disclosed to me. I made the vehicle available to them at my place of residence for them to pick up the vehicle, and they had a XXXX Device tracking the vehicles location but they never came to pick up the vehicle from me.
I believe that this is a violation of 15 U.S. Code 1605, 15 U.S. code 1635, and 12 CFR 1026.4, because I rescinded the contract on XX/XX/XXXX and it has been beyond 20 days with no remedy from XXXX XXXX XXXX.
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I financed XXXX XXXX ( XXXX ) in 2020. I set up automatic payments and put two forms of payment on file to ensure there would never be an issue with payments. About a year later, Westlake portfolio became the service provider. I received a letter notifying me they would be the new service provider, but not to worry because nothing would change. Since they never asked me to update any payments, I was under the impression everything was fine on their end. A few months later, I kept getting emails from Westlake stating my payments were late. I logged into the online portal, but it displayed that I was current on automatic payments and showed no disruption in payment history. I made a payment anyway, but it kept happening. Finally, back in XXXX, I got a notification that they had reported late payments to the credit bureau. I called Westlake and immediately told them the situation. I asked them to please remove the late payment. They saw I had the payments set up in the system. I went ahead and paid off the balance, and the person ensured me it would be removed. I paid it off in XXXX, and it is still showing up on my credit report incorrectly. I have tried multiple times to talk with the company, and they keep telling me they can't help me. This company is reckless and unethical.
|
| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
During the time that I have been with US Auto I have been paying on time, until they breached the contract. The company that they claimed took over the contract has the wrong balance and also has not verified my identity. I have no obligations with this new company per the contract. My debt has been sold without my consent. The account has been sold on the grounds of fraud. US Auto has failed to live out it's obligations, also breaching the contract. I demand that my title released to me without recourse of any kind. My title needs to be cleared of any liens of any kind. I demand a cease and desist of you guys not using my signature without my consent of any kind. I demand you not to put any negative marks against my consumer report of any kind. I also demand a cease and desist of all phone communications to stop as well. This day set forward mail only responses. I demand that you guys do not repossessed my vehicle. I also demand that you cancel the loan and refund my money back that I have paid to the finance company. I have also reached out to the attorney general about this matter and filed a ftc report as well for fraud. If this matter can't be resolved I will be seeking legal action. This will be the last response to resolve this matter next it will be from my attorney.
|
| 01/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX, per 15 US Code 1692c ( c ) I sent out a Cease and Desist letter via certified mail. Westlake Financial Service received this letter with tracking number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX I continuously kept receiving phone call after phone call after phone call. Per 15 US Code 1692c ( a ) ( 1 ), I was receiving these phone calls at an inconvenient time.
Westlake Financial Service has continuously harassed me per US Code 1692d ( 5 ) regarding an alleged debt. Per 15 US Code 1692d ( 2 ) this company has used obscene and profane language, using phrases such as " I owe on an auto loan ''.
Not only has this debt collector harassed me and ignored my cease and desist letter, they have advertised for sale at an auction on XX/XX/XXXX the alleged debt which is a clear violation of 15 US Code 1692d ( 4 ).
From the time of the acceptance of the cease and desist letter, Westlake Financial Service has contacted me 31 times. They have made my voicemail box full from continuously leaving voicemail messages. Which has allowed me to miss out on important voicemails left by family members and employers.
Pursuant to 15 US Code 1692 ( a ), Westlake Financial Service has used abusive tactics to try and collect on this alleged debt and needs to be stopped.
|
| 03/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Today XX/XX/XXXX I received a call from Westlake Financial Services that they had taken over my loan from XXXX XXXX XXXX. I had received no prior notice giving me any time to refinance my loan thru another company as I do not want to do business with Westlake. I do not want to have my loan via a company that has had multiple lawsuits against them for deceitful lending practices as well as other concerning things like their deceitful debt collecting tactics. One of the lawsuits just ran out on XX/XX/XXXX for consumers to file against them. Which is very curious as to their take over 5 days later and makes me wonder if this is why there was no prior notice. I talked to Westlake and they could give me no information other than it was a " business decision '' and to talk to XXXX. Which every number i have tried for them goes to a generic voicemail. This seems very off to me and I would like time to find another lender for my loan. However I have a payment due in 7 days and I do not want to go thru Westlake. I feel this was done in a very unprofessional way and illegally as there was no notice of this takeover. And i have received nothing from either company with any of the details of my account or anything else. Yet Westlake expects me to just make my payment to them next week.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I leased my XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX American car centers Aka American Financial went Into Bankruptcy and closed their doors. I am now left with no answers. A company called West Lake portfolio is now harassing me for payments and collections when I have never been late on my payment since XXXX. They can not give me a new contract, we have canceled my warranty that I had with my lease. and they do not have any title information. I did make payments to them in the last month because theyve been harassing me threatening to take the vehicle. If I dont pay. Every time I make a payment, they tell me I still owe more money for past due payment with American Financial I did send them an email with all of my payments that were made up but they still show I have a balance and I dont. Why am I paying a collection agency when my car was not even in Collections, I cant get any answers. I cant sell my car or trade it in because nobody has a clear title on it because the companies and bankruptcy and I live in Florida and from what I understand our titles are in a trust. I dont know what to do. They are not reporting to the credit agencies and now American Financial has been removed from my credit stating that my loan was 100 % paid off. I have copies of everything.
|
| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Westlake Financial Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
I have made numerous attempts and I have all of the letters I sent certified and documented, Westlake is reporting to the credit bureau that I owe XXXX along with attached late payments.The dates attempted XXXX, XXXX, XX/XX/2021.
Be advised that the description of the procedure using XXXX to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WAS XX/XX/XXXX, CAR WAS REPOSSESSED IN XX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY XXXX CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY WESTLAKE FINANCIAL SERVICES AS PER A REP FROM XXXX AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ON XX/XX/XXXX, XXXX NOW HAS IT TO BE REMOVED IN XX/XX/XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
|
| 11/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.
|
| 11/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We just received a new loan from Westlake Financial Services. When we applied for the loan we asked when the due date would be. No one was ever willing to give us one. Today we received our paperwork and without a known due date we attempted to make our first payment.
We owe $ XXXX/mo but we wanted to pay {$1000.00}. We attempted the transaction and apparently it went through. But we had no proof of payment. No confirmation receipt. Our portal shows no payment or payment history.
We called asking for a receipt or confirmation of payment but was refused a receipt or confirmation of receipt. We spoke with a supervisor. Still no proof of payment or confirmation receipt. We received an email with our payment history not showing any proof of payment.
We do not know when our payments are due and we have no proof of payment for a loan that we have paid almost 4 times the amount due. We are appalled as to why we can not receive a ongoing due date or confirmation of payment receipt.
How do we know we are not being scammed? We just trying to be responsible in paying our debt better than we agreed to pay it. Why are we refused any confirmation of payment received? How is this legal and ethical? How can they take our hard-earned money and refuse to confirm its receipt?
|
| 06/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/2022 I called Westlake Financial Services to change my payment date. On XX/XX/2022 a charge for {$480.00} was taken from my bank account with a {$5.00} transaction fee. I called Westlake Financial On XX/XX/2022 and they had no idea what I was talking about. I called everyday and finally was told it was taken from my bank account and applied to someone else 's account. I've been calling and waiting to get my money back. In the mean time I paid off my loan with them and am also suppose to be getting a {$1400.00} refund. The {$1400.00} refund was processed on XX/XX/2022. I was told to wait 7 to 10 business days to receive that refund. I waited and still nothing. They still have the total of {$1800.00} of my money. They keep telling me to wait, but how hard is it to get a customer their money back. I've since found out they have a one star rating on the XXXX website and have done similar shady or fraudulent things to other customers. How are they still legally able to do business with people 's money? One complaint the company has that I was able to get was that they setup a fake loan with someone's identity. That person didn't even have a loan through them but yet there was an account in her name. What does it take to get an investigation into this compay?
|
| 08/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The Company Westlake Portfolio Management, states that I owe them for a vehicle that was purchased from US Auto Finance. The company US Auto Finance, LLC has gone out of business. In the contract with US Auto Finance , LLC it clearly states. " You agree to sign such agreements or documents as we may require to effect the terms and conditions of payment shown in this Agreement. You or we may rescind the retail installment sales transaction as provided in the Agreement if we are unable to assign the retail installment sales contract to a financial institution. Westlake Portfolio Management is a debt collector, they are not a financial institution. I do not have a contract with Westlake Portfolio Management. This company has been collecting payments from me, but they have not shown any documents showing that I have a contract with Westlake Portfolio, which is not a finance institution. They are a debt collector. This company has also reported on my credit report that I owe them money. I do not owe anything to Westlake Portfolio. US Auto Finance, LLC is the company who I finance my vehicle with. US Auto Finance, LLC is also on my credit report as being an open loan. Westlake Portfolio Management is not upholding the contract that U.S. Auto Finance, LLC had in place.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a vehicle from US Auto Sales that was financed through US Auto Finance Servicing in XX/XX/XXXX. The company closed the business leaving all customers including myself scrambling for answers about the statuses of our accounts. I put a down payment of XXXX on the vehicle and made the payments on the contract bi-weekly as promised. The original contract had my name mispelled and I advised them of this the day I signed it and they told me not to worry about it. In XXXX of XXXX I went to make a payment and US Auto Finance Servicing 's number was disconnected and calls were forwarded to a company called Westlake who advised they were just a debt collector and they were collecting payments on US Auto Finance 's behalf. I had not received anything in writing via mail or email so I thought this was some type of scam. Westlake informed me they did not have my correct email address because my name was mispelled and they didn't have my title, or any record of any payments made to US Auto Finance so they were attempting to collect the full amount of the car that was shown back in XX/XX/XXXX that I had already paid on. I have been threatened about my car being repossessed if I don't pay an incorrect amount for the vehicle. Both of these companies are fraudulent.
|
| 11/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire is using XXXX means to coerce and swindle me into paying an alleged debt which is a willful violation of 18 USC 894 it is unlawful to punish a consumer on extension of credit. However a Finance charge was included which meaning thats the sum of all charges ( Grand Total ) leaving no payable amount as cash is inseparable when it comes a consumer credit transaction transaction. Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire also used harassing and deceptive means to collect on an alleged debt willfully and knowingly violating 15 USC 1692e, as they contacted my reference using misleading representation to get my location to repo my vehicle, they told her I filled out for an application and Im approved they need my location however that was deceptive. I am now acting in good faith before pursuing to litigation giving Wilshire a chance to rectify this issue within 10 days by sending my title back certified mail to have a witness, failure to provide my title will result in litigation in Federal Court for double the Finance charge, Statutory damages, actual damages and any amount the court deem just and proper.
|
| 04/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The company submitted a response that I am unable to contest to the submitted complaint below My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report.
I am not satisfied with this response. This " gap waiver '' they are claiming was neither discussed or signed by me. As it was explained and required by law, I paid for the gap policy and they are required to follow through with payment of the rest of the loan. It is not on the condition I never have a late payment or extension over the loan. The company will either resolve my debt or I will take the next step legally for fraud.
|
| 11/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2021, I sent in a written cease and desist notice to XXXX XXXX XXXX XXXX. It was received on XXXX XXXX according to certified tracking number XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX ( XXXX ) once received in writing by the consumer, all forms of communication with me through ANY and ALL mediums should stop, UNLESS it pertains to my remedy in writing via mail.
XXXX XXXX XXXX XXXX violated my consumer rights pursuant to XXXX XXXX XXXX ( c ), I received an email today XX/XX/2021 at approximately 4:43pm. This is a form of communication through the medium of an E-MAIL. They sent an email regarding a " billing statement ''. XXXX XXXX XXXX failed to comply with federal law.
XXXX XXXX XXXX XXXX did not comply with federal law, and is now civilly and criminally liable for willful noncompliance.
Pursuant to XXXX XXXX XXXX Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries.
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX/Westlake Fin Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
|
| 04/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX.
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?
Thank you
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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Westlake financial services has me stuck in a preditory loan.
I have already paid off the loan amount yet they keep saying i owe them thousands. At advice from attorney i still keep paying them. I sent them a demand for title letter. They repossessed my truck not once but twice oweing no money. Cost me {$2300.00} total so far in have to get it back twice. They will not contact me at all just i wake up and my truck is gone. I have lost contracts and lots of money over this.
I have to park my truck sideways as they will just take it without any contact. No letter, no email, no call. Stating they have a do not contact order from me. Well i get spam emails and other forms of mail plus spam calls from them all the time.
I cant even trade it in to get out from under them as they have account closed on my credit yet my truck is sitting right in my driveway. They refuse to report but every 4 months to the credit reporting agencies.
Im tired of this, im over stressed and get nowhere with them in this matter. I was advised about all the lawsuits that have gone on with them over these same issues.
I just want the title to my truck and westlake out of my life. They hinder my business with these games and ive over paid thousands.
What can i do to get out of this.
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| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I got a XXXX XXXX 13 months ago at U.S. Auto Sales XXXX XXXX XXXX XXXX in XXXX South Carolina. The agreement was XXXX biweekly, for 18 months. I was also told there was a program implemented in my car to shut it off if I do not make a payment. I was looking to trade it in for something else before I finished the XXXX mark because every time I shut my car off it doesnt start and I have to get a jump. So I went to the XXXX dealership on Wednesday XX/XX/XXXX to get an appraisal just to see what they would be able to do. I was then told they found an illegal gps tracker on my car disguised as a sticker in my door. Then they tell me my profile doesnt not say the agreement, it shows they are only taking out a total of {$150.00} of my monthly total for 72 months. So the gentleman told me he would still try to figure something out but the value of my car wasnt even a XXXX. He said to come back the next day. While I was at work I did some research and found out U.S auto sales has a federal lawsuit for multiple reasons, one being illegal gps trackers on their vehicles, two being kill switch starts on their vehicle ( which is why mine wont start ), three for illegal repossession, and four being tripling payments. I was advised to put in a claim and get legal advise.
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| 12/22/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : WESTLAKE FINANCIAL SVC
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| 11/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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the vehicle had several issues and I ended up being unemployed, I am deaf so I have to use a relay service interpreter to call and I was repeatedly hung up on by ignorant customer service mistaking it for a phone solicitation calls, I eventually emailed the customer service informing them they could repossess the vehicle and we could work out the balance. I received an automated reply that they would respond within 10 days, they never did. I was living with my father so I could not park it in the community so parked it at a public lot. after several months later repossession trucks showed up and I informed them of the location. the repossession company ended up continuing to come to my fathers house harassing him about the truck, we neither have possession of the truck or have knowledge of when/who the repossession took place. my father called several times and they repeatedly told him that they could only talk to me even after several times explaining that I can not hear or talk on the phone. I have recently learned that Westlake financial has faced several lawsuits, even class action lawsuits, I would like this resolved/removed without having to go through a lengthy lawsuit as everyone else seems to do. this is an absolute terrible company to work with
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Notice to repossess
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Web |
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I parked the vehicle in my driveway about XXXX on XX/XX/2023, I got up at XXXX and got ready to go to work, I left to head to work at XXXX to find that the car was no longer in the driveway. I was not provided a notice of repossession and the repossession happened while I was asleep. I then attempted to contact the lender to find out details about the company that repossessed it so that i could gather my belongings from said vehicle, I was then met with opposition, and refusal to provide me with any information regarding who had the vehicle, Westlake Financial Services was demanding payment in order to receive said information, at which point I took to finding the vehicle on my own. I tried calling another recovery agency to which they did not have the vehicle. I then contacted the XXXX XXXX Police Department at which point I was informed by them that the vehicle was recovered by XXXX XXXX XXXX. I contacted them to confirm that the vehicle was in their possession to which I was informed that it was. I Westlake financial services has also hung up on me multiple times today. They have also called me multiple times everyday including saturday and sunday at all hours of the day including times from XXXX XXXX to XXXX XXXX days a week multiple times a day.
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| 04/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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We were effected by XXXX XXXX and my wife was laid off. We called several creditors to get payments deferred. When we called Westlake Financial they said they would submit the request and we would get a reponse in writing. When we got the letter it said we were approved for one months deferment for XX/XX/XXXX. However, the letter said we would be assessed additional interest and a balloon payment at the end of the contract in XXXX. When we called XX/XX/XXXX and got Rep XXXX and asked what does this mean. He explained the unpaid balance will accrue interest of {$7.00} a day until the end of the contract in XX/XX/XXXX. I was furious I did the short math and saw that balloon payment would be approximately {$2500.00} a year for 4 years which is well over an additional {$10000.00}!!! Our original loan was only {$11000.00} and explained we wanted this deferment request cancelled as this is a rip off and can not be legal. The rep XXXX response was sorry it's already been approved it can't be reversed. I explained to him they can not take advantage of people like this and charge more for asking for a deferment. I also explained I would be having this aired on the local news and complaints filed with yourself, the Attorney General and the XXXX of their county.
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| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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When I purchased a car, the dealer informed me that the installment will be automatically debited on XXXX from my account by Westlake Financial. However, my checking account has not been charged. The lender 's Westlake Financial customer service contacted me on XXXX and I was told that the first payment had to be collected over the phone. So I gave my account number again. And again the first instalment was not charged, as it was explained to me, with next call on XXXX, the account number was written incorrectly, and also the first instalment must be paid by card. And again customer service contact me that they have to cancel instalment payed by card, only has to be made over the phone by checking account. My checking account finally was charged for two instalments on day XXXX.
In mean time my loan contract was canceled, which nobody notify me. last one consultant, who charged my account already knows, that my contract was cancel, despite this two instalments was charged.
Car dealer contact me and he told me what is exact real situation. Dealer said, that lender sent him a letter on XXXX that my contract is denied.
So many times I try talk to customer service XXXX, however they are hang up on me. I've sent an email, however lender didn't respond.
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| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I tried to open up a loan with Westlake XX/XX/2023 and they go and approve me help me leave off the lot with the car and two days later I have to bring the car back to the dealership because he said my Social Security number was being used and it's fraudulent. I submitted my Social Security card and birth certificate with my ID and they still end up saying that it's fraudulent so I use in my name because I got this information from XXXX. XXXX and I called to speak to a supervisor left her for voice messages. She called me back one time I missed a call and I tried to call her back. She put me on do not disturb to where I couldn't resolve my issue and now on the account or if I try to apply for any type of loan with them, they have it down as I'm doing fraud when I try to submit my Social Security card and my birth certificate and my ID and nobody still has contact me and I feel that is bad customer service so now any dealership I go to any time I want to take out a loan on a house or anything they have me down as fraud when I gave them. Proof of identification called him seven times. can you remove this off the account because it's not supposed to be there I can send you a document showing proof this is who I am and they still couldn't fix the issue.
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| 12/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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The loan has been paid off, i only have a couple of fees to pay off and now they've added an extra fee of {$290.00} which no one wants to give me an explanation for nor remove from my account.
Ive made the following attempts : XX/XX/2019 spoke with XXXX XXXX : stated that she would send account to a different department that handles, and they will contact me, no one has contacted me nor was this resolved.
XX/XX/2019 spoke with XXXX XXXX : stated that my account would be sent to the department which will review the account and soon contact me, no one contacted me - nothing has been resolved.
XX/XX/2019 spoke with XXXX ; I requested a Supervisor. I spoke to Supervisor XXXX and she did call me back a week later to state the same thing, that someone will review the account & contact me but still no resolution.
XX/XX/2109 - emailed the following 4 Westlake Executives : XXXX ' ; XXXX ' ; ' XXXX ' ; XXXX ' I have submitted an explanation of all the payments made, XXXX spreadsheet with all the payments of the auto payoff completed, statements for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 & 2 statements for XX/XX/2019. No one gives me any explanation where this fee came from. I have forwarded another email to on XX/XX/2019 to get a resolution.
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| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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During the last 7 years I have leased multiple cars with US Auto Sales with financing thtough there in house financing service. The first car I had was a XXXX XXXX the XXXX price on that car the day I purchased was XXXX US Auto sold it to me for XXXX grossly over charging for the vehicle. While I was doing the paper work I was told that I had to get the GAP insurance through then even tho I had full coverage. A few years into having the car it was totaled in an accident, no fault of my own when I reached out to US auto about a refund on the GAP insurance I was told that that law didnt apply to my loan and it was nothing for them to refund. I ended up getting another car from them a XXXX XXXX XXXX that I still currently had until it was repossessed two weeks ago. For what reason exactly no one can tell me. Ive been calling for weeks trying to get the location of the car to retrieve my possessions which has lead to them giving me the wrong location of where exactly the car is and how to go about getting my things. On the car which thw XXXX states is worth XXXX I still have a loan amount for XXXX. I recently looked at my credit report and it shows that both cars are still on my credit with an active lease. Which both of them should be closed out
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| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I purchased a car from XXXX in XXXX 2015. Upon purchasing the car, it was unknown to me that the company was not in business in the state of Florida. In XXXX upon trying to renew the decal for the car, I was told the car had no owner. I reached out to XXXX XXXX who was the person I was interacting with upon the purchase. He gave me a number to a XXXX XXXX. Upon speaking to this individual I was advised he did not have any paper work in the car. After not being able to contact XXXX XXXX for some time, I reached out to the finance company which at the time was Western Funding. After speaking with their titles department, I was advised by XXXX XXXX, they have been investigating this company which was also known as XXXX XXXX XXXX for fraud. They had XXXX cars with no titles to them from this company. Their legal department was looking into this, but in the mean time, I still could not renew the decal for the car. After filing a report with the Florida State XXXX, I was able to renew the decal and I was also given the title to the car. The finance company wanted the title to the car, even after all the fraud that was going on with the car dealerships. They repossess the car. I still have the title due to it having no lender on the original title.
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.
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| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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A Charge off by Definition pursuant to Publication 4681 on the IRS is ordinary income ( 1099C ), this means that this is an inaccurate account that is furnishing on my credit report. This inaccurate report should have been deleted off my credit report, the charge-off is canceled debt, the company WESTLAKE FINANCIAL SVCS filed this charge off on their taxes, but they are also reporting it on my credit as debt. If a charge off is furnishing on my credit report as debt.
The said company that declared this charge-off was required to send the consumer a 1099C form so that the consumer could file that ordinary income.
Failure to send this form is a violation of 15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If a charge off is reported on my credit report and its {$600.00} or more I was supposed to receive a 1099C form Cancellation of Debt ''. I ask for the removal of the charge-off from reporting on my credit report. After clearing my credit report i will ask that you no longer report this charge-off on my report Cease And Desist Pursuant to 20 U.S. Code 1234e
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| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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back in XXXX of XXXX submitted tender of payment for my XXXX XXXX XXXX XXXX in full to Westlake financial. Company repossessed my vehicle back in XXXX of XXXX. I've come to find out that my rights were violated. Notice, it is a fact, I am now aware, that repossession, is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U. S. Constitution. Also, AS I am the creditor Notice, it is a fact, in accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for Westlake Financial to redirect all prior payments, and all current payments to rectify the matters herein, to me. Also that the company engaged in identity theft and numerous violations under title 15. They refused to validate or verify the debt. They also did not comply with my request for accounting. They reported false information to the credit reporting agencies, threatened and harassed me for payment. Then took my property which I have a commercial lien on via an XXXX financing statement. We have no working vehicle and they violated my rights. Along with continuing to report late payments on my credit report
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| 10/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
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| 12/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in XXXX and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.
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| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I live in Florida and I'm being affected by COVID 19. My husband and I are XXXX XXXX XXXX and have not been able to work full time since XX/XX/XXXX 2020. In XXXX I asked for a deferred payment and was given only 1 month. They don't offer more than 1 month. I made payments in XXXX, XXXX, XXXX, and XXXX and a partial payment for XXXX. Today XX/XX/XXXX, I called and asked for a payment extension for 1 month and was told that even though I'm being affected by COVID19 they can not help me because of company policies even though they claim your account need to be 20 days past due for an extension to be offered.
It seems West Lake Financial has made up regulations to block customers from receiving help due to financial hardship. They claim you need to be 20 days past due to receive help but when you call them, they say you don't qualify because of another rule/policy. So there are company policies that override other policies in an effort not to offer assistance to customers. The aim is for customers to become so far past due that they could repossess their vehicles.
I think this policy is wrong and they should be investigated for not treating customers fairly.
Westlake Services , LLC ( dba Westlake Financial Services ) : ( XXXX ) XXXX
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| 09/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.
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| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I called Westlake financial services, the company that finances my car, on XX/XX/2020, in order to defer my payment which is USD XXXX because our household income was reduced drastically due to the XXXX situation. I was told then that customers are receiving a 30 days deferment on their payments and that I should call 2 days before the due date which is XX/XX/2020, to request a deferment. On XX/XX/2020, I called Westlake financial services again and was told that they no longer approve deferments even though they have approved it for others. I requested equal treatment but was offered an extension of the due date by 4 days and to make half the payment and I am expected to find a way to pay the other half ( no deferment ). Equal treatment was denied by the company saying that this is the decision of the company 's president and they have reached their limit. I was not told about this limit and I actually called on XX/XX/XXXX and was not given this deferment. I have been making payments for 14 months on time yet I was treated differently from others. At a time like this with anxiety, financial stress, and a health crisis going on, it has been extremely stressful and disappointing to be treated unequally and unfairly on top of all that.
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| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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A 3rd party company ( Westlake Portfolio Management ) has taken over my account from the company XXXX XXXX XXXX ) between XX/XX/XXXX & XX/XX/XXXX, however Westlake Portfolio refuses to send me proof of the contract I originally had with ( XXXX XXXX ) and also refuses to accept payments lower than the full amount of over XXXX dollars. My account has been charged off and the charged off letter specifically stated that the company would work with me. Every single time I contact the company attempting to make a payment that is less than the full amount, the company representative threatens to repossess my vehicle. My Vehicle was repossessed in XX/XX/XXXX and gave back to me without me making any payment, due to two representatives stating no payment was needed for me to go and get my vehicle. My vehicle has been repossessed once again. It was repossessed ( The End Of XXXX ) after I was told I didnt have to make any payments and I could receive my vehicle back, after repossessing my vehicle once again due to the company proclaiming to have made a mistake. This company ( Westlake Portfolio Financial ) refuses to take my payments and refuses to send me proof of my original loan contract, and also refuses to release my vehicle back to me.
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| 09/21/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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To whom this may concern, This letter is to notify youabout a problem I am having with the company US AUTO Sales and Westlake management. I purchased a vehicle from US Auto Sales at the XXXX location and it was a few years I was with them. When they went bankrupt it cleared the debt and now Westlake management is trying to collect. I asked them to provide in writing who the original creditor is and request documentation that verifies I owe the debt, such as a copy of the original contract. And being based in California Im not even sure if its legal to collect debt in this state. This was many months ago when I spoke with someone who said they cant provide the documentation and put a cease and desist on the account. Which is still on it today. I know this because after filling a complaint to the XXXX on XX/XX/2023 they repossessed my car in the middle of the night. I call them today XX/XX/2023 and they stated yes they have it even though they know they havent verified any information, and theyre the ones that told me about the account being under a cease and desist. This is providing a financial burden now. Im missing work and have children to provide for. I need a rational and reasonable solution to resolve this matter quickly.
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| 02/23/2016 |
No |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.
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| 07/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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We called west lake financial for a simple extension. We were never told initially we would accrue any interest or late fees but were told we must wait 15 days after the due date to request an extension. I then called in and I was told I must pay an NSF fee and a late fee. After being hung up on numerous times by numerous agents I asked for the NSF fee and the late fee to be waived due to issues with a supervisor and numerous other agents and I was told that in order for to me to get an extension I would have to pay {$50.00} in order to get it they also told me that if I paid the {$50.00} my extension would be guaranteed. They said by not paying the {$50.00} I would have to call back and its not guaranteed. I feel like this is almost an illegal business practice for our financial institution and I want reviewed. I also have a recording from the final call which I did tell them that the call was being recorded where they admitted to all of this. I would like all fees and internet carried waived due to the neglect and mistreatment. I also was told that the manager I spoke to was the only manager available and I could not speak to any other manager, which made me feel like I had no other resources to help me as a customer.
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| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine westlake financial - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.
Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.
Failure to remove these accounts immediately will result in a {$1000.00} fine.
Note that a copy will also be sent to FCRA.
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| 09/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/2018 when I purchanced a XXXX XXXX XXXX XXXX XXXX # XXXX ) from XXXX XXXX XXXX XXXX XXXX for the amount of {$24000.00} It's financed through Westlake FIncancial Services. I was given ( 2 ) contacts with different amounts {$24000.00} with a down payment of {$3500.00}. After pulling out the lot I noticed the check engine light on I immediately turned around and informed XXXX XXXX ( the General Mgr ) of this, I was informed to bring the car back in the morning and it will be fixed because the repair shop was already closed. There was nothing done the next morning and after returning several times and emails and talking to XXXX saying I have to take it to the dealer because they can't fix it. Only getting frustrated I explained to XXXX XXXX, XXXX and XXXX ( whom she brought out the 2nd contact with my signature forged ). I told them on several occasions that the car was not safe. I took it to a certified shop only to find out that the car have over {$10000.00} worth of damages.In that report this car has been in an accident with front end damage and has been rigged to appear as if the car is repaired. I was sold a lemon and this same car with the same vin number has been financed through Westlake Financial Services.
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I hope this letter finds you well. I am writing in response to your communication through CFPB, which detailed the permissible purpose for the credit inquiry on XX/XX/2022, XX/XX/2022, and XX/XX/, associated with my name, XXXX XXXX.
After careful review of your response, I must express my continued concern and disagreement with your assertion that the credit inquiry was based on permissible purpose under 15 USC 1681b ( a ) ( 3 ) ( A ). I would like to reiterate that, to the best of my knowledge, I never authorized nor gave written consent for Westlake Financial Services to access my credit report.
In response to your claim of permissible purpose, I formally request documented proof that I provided such authorization. Specifically, I am requesting documents bearing my wet signature, unequivocally indicating my agreement to grant permission for the review of my credit file.
The unauthorized inquiries made into my credit history are adversely affecting my creditworthiness and causing significant concerns about the accuracy of my credit report. I want to emphasize that I have had no communication with Westlake Financial Services, rendering it impossible for me to have given consent for the retrieval of my credit report.
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| 04/12/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX Texas and Westlake financial of XXXX ca is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX XXXX and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. I am a XXXX person, and a XXXX veteran, and a XXXX person, and this company is committing fraud and preventing a wounded warrior from obtaining housing. This company is committing illegal acts and discriminating against XXXX persons and veterans. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX AND ILLEGAL ACTIVITY.
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| 01/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My initial car loan was with XXXX XXXX.
I had automatic deductions from my bank account to pay every month so that I wasn't late.
I got calls from XXXX XXXX stating that I should be paying them. I was suspicious because I am a victim of fraud that took place earlier in the year 2020. I asked them to provide proof that they in fact took over the assets of XXXX XXXX. They said that they didn't have to and if I didn't pay them they would come and pick up my car for nonpayment.
I would like proof that I should be doing business with Westlake Portfolio Management before I make a single payment.
I know of cases where someone started paying a new 'mortgage company ' for 10+ years only to find out they were a fraud. And instead of having a home that was paid off they are now in foreclosure.
There are a lot of scams and any company that is legitimate should happily furnish proof. Because that's how proper business is done.
I never received any email from XXXX XXXX saying that I should now be sending my payments to Westlake Portfolio Management. I have attached screenshots of my last payment deduction and last correspondence from XXXX XXXX. There is no indication that Westlake Portfolio Management now holds my loan.
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| 09/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I went to make my final payment of {$490.00} on my car loan and the loan company states that my final payment is over {$2000.00}. They are telling me that I requested a payment due date change from the XXXX of every month to the XXXX of every month when this loan was first started back in XXXX. They are telling me that they informed me that I agreed to a " balloon '' payment at the end of the loan in order to have this happen.
I have tried for several weeks to get some confirmation and resolution to this issue. The " supervisor '' states that she listened to a recorded call from XXXX and it is confirmed. I have asked to hear this call for myself or receive a transcript of the call. If I actually agreed to this as they say I would pay the extra {$1600.00} but as I do not ever recall agreeing to this so called balloon payment as I would not have changed the due day each month if I had known this. I ma told that it is their policy not to allow me to hear the recording or receive a transcript and I must take their " word ''.
I have made my final payment of {$490.00} as scheduled but now face a past due of {$1600.00} per their " balloon '' payment. I am facing late charges and repossession if I do not pay what they want.
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| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On Tuesday, XX/XX/2022 my company vehicle was stolen from the parking lot where I regularly park my business vehicles. Soon after this incident, I was informed that full coverage was not placed on the vehicle. I have always had full coverage on all of my financed vehicles. XXXX XXXX did not contact my insurance company at any time to inform them that full coverage was not on my vehicle even though I had requested it. Lenders require all clients to maintain full coverage auto insurance to protect their investment and XXXX neglected to confirm that insurance company complied with this requirement. I also contacted my insurance company and was told that XXXX hadn't contacted them regarding the lack of coverage on the financed vehicle.
I repeatedly contacted XXXX XXXX to come to some sort of agreement regarding the stolen vehicle and no one was willing to assist me. Several of their representatives had very ill-mannered responses to me when I called about the situation. It took weeks for someone to send me my paperwork that was requested regarding the vehicle that was stolen.
XXXX XXXX is requesting that I pay the vehicle in full when they neglected to insure the vehicle was protected with full coverage insurance.
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| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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I purchased a vehicle in XXXX with Westlake Financial. Later I sent 4 letters registered Mail requesting debt validation according to ( 15 USC 1693g ). ( Validation of debts ).
All four letters were shown delivered via the XXXX app with return receipts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, One letter was opened and returned to me with a return to sender sticker as if they didn't get and it was opened form the bottom and taped when returned to me. Westlake failed to willfully comply ( 15 USC 1681n ). ( Civil liability willful noncompliance ). ( 18 USC 1341 ). ( Elements of mail fraud ). this is also in relation to ( 15 USC1692f ( 6 ) ( a ). ( unfair practices ). to include ( 15 USC 1692k ) ( 1 ). ( Civil Liability ). Westlake Financial violated my right to privacy by giving my personal information to multiple third parties i.e repo agencies and credit reporting agencies without my permission ( 15 USC 6802 ). ( Obligations with respect to the disclosure of personal information ).
I've tried to deal with them amicably. All I got from them was You owe and no resolution, unless payment is made then we can talk. This company has and is using deceptive practices and violating the rights of consumers.
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| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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Last year early XXXX. I got a title loan. And it has been XXXX. I paid off loan late XXXX. 2 weeks later they took it. Destroyed my XXXX XXXX XXXX transmission both differentials and transfer case. I converted my wifes XXXX XXXX from 2wd to awd. I'm a 30 year XXXX XXXX XXXX. So apon dragging it away. I found it myself. Paid XXXX out of pocket. They lied Said they did not receive it. Lies it was signed for at location. I own my own businessXXXX XXXX XXXX XXXX ca, I put a mechanics lien on the vehicle sending wilshire a bill for XXXX Since my wife OWNS the vehicle she bought in cash at XXXX. Now they fully brought over 250 cars to my city. Moved into homes in my neighborhood. Cameras are on my home 24/7 I even caught them listening to my phone calls. I was in the military. I know XXXX XXXX. They inked 4 houses together using a bogus company with a bogus contractor 's license. I even have a decoy in my garage. I put the tracker in the exact spot. Real car is parked around. My name XXXX XXXX XXXX XXXX. I also with the California XXXX XXXX. They do not talk to me one I have several years of XXXX XXXX and I just don't take XXXX. So I have proof of everything going on XXXX I also filed a stolen car claim. With XXXX
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| 07/31/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX of XXXX Westlake Financial Services approved a loan of XXXX dollars to an auto dealer called XXXX in XXXX XXXX, Texas. Around XXXX I did try to look for a car, and gave my information to one of the sales man from that place, and my mistake was to give them my information through text messages. That auto dealer has been closed down for laundry money charges and for using social security from other people. I already contacted Westlake Financial Services multiple times and told them that I had nothing to do with the deal that was done without my consent, I never signed anything at all. They told me to do an Identity theft package on XX/XX/XXXX, the package arrive on that date, and I already sent it to them around the beginnings of XXXX. No answer whatsoever from them at all, I also already contacted XXXX twice about this issue, I sent all of the papers that were asked from me and they STILL tell me it is my account, that it belongs to me whereas it does not. I can not send more information to them because I already did, the car is nowhere to be found, I do not have it, no actions have been taken either by Westlake Financial Services NOR XXXX at all. My credit score has been gone down hill ever since.
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| 10/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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In XXXX of XXXX, Westlake Portfolio started sending notifications to submit payments in regards to my auto loan with my lienholder US Auto ( sales ) LLC. Westlake Portfolio states that they have the contract from my lienholder to accept payments and to take over contractual agreements that were bonded with US Auto ( sales ) LLC. When I spoke with Westlake Portfolio ; representatives that I would speak with would state that Westlake Portfolio were only available to collect payments and they were not able discuss any contractual terms. Since that time Westlake Portfolio has been calling and demanding payments for my auto loan with US Auto sales. XX/XX/ XXXX my vehicle was stolen from my home, I called Westlake Portfolio to inquire about my GAP insurance and I was told that they were not able to discuss anything with me about my coverage. I have also tried asking Westlake Portfolio about having my title which was stated to me they do not have. On XX/XX/2023 Westlake sent a wrecker to my home with a digital order of repossession. Westlake Portfolio sent me a certified document stating that my car was going to be sold at an auction. Westlake is also demanding payments for the vehicle I no longer have possession of.
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| 01/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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I went to purchase a car from XXXX XXXX on XX/XX/XXXX. I test drove and started some initial paperwork but had to leave before it was complete. Being XXXX and XXXX XXXX I ran it by my parents who said I was being gouged and not to take the deal. The dealer was offering 15.99 % Rate which is double prevailing rates despite my excellent credit score ( XXXX ). Additionally they added a {$1700.00} warranty that I couldnt make a claim on for 1 month and was only good for a year. I did not take possession of the car nor did I sign the title transfer. My XXXX went back to the dealer with me to negotiate a better deal and to advise of my mental health status. They refused to change term saying the deal was done and that if I didnt take the car they would put a repo on my credit. We left without the vehicle and I followed up in writing the next day to confirm cancellation. The dealer pushed the loan through to the bank anyways. I called the bank on XX/XX/XXXX and they said they would investigate and get back to me. As of XX/XX/XXXX the dealer refuses to acknowledge me and has not refunded my {$3000.00}. The bank has also not done anything and still is keeping the loan active and has started sending billing statements.
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| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Went to a dealer, who unknowingly raised the price of the vehicle for about XXXX on me after I had given them a XXXX down payment in the vehicle. They knew I was XXXX cause my income is XXXX, I just went through a bankruptcy in 2019, and had a low credit score. They happily told me I was approved and quickly had me in finance to sign paperwork. So excited that I actually got a loan, I quickly signed. Not realizing the dealership raised the price of the car they listed it for for the amount of my down payment I just paid them for a down payment of the XXXX loan I thought I was getting. The loan was actually for XXXX. I tell the finance company this and they want proof of what the dealership listed it for, which is no longer in the internet. The dealership tried to charge me for taxes and tags again when they had it in the loan. XXXX XXXX who I financed the car from will not investigate this dealership or help me. Im on limited income of XXXX a month XXXX and my monthly car payment is XXXX a month. I need help!! The car dealership is XXXX in XXXX XXXX PA. The finance company they used to give me the loan is XXXX XXXX. XXXX XXXX told me that the dealer can raise the price well over blue book value if they want.
|
| 05/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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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.
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| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
We had a car that was financed with XXXX XXXX. We had an agreement to close loan and release the title for XXXX. They received the money and then got shut down by the government. They sold the loan ( which was closed in XX/XX/2018 XXXX to westlake protfolio management in XXXX. I received a notice that my loan payments will be due for XXXX and to send to them as they are the new loan servicer!
I called and called and sent in the loan release letter from Honor finance stating that I had paid off the loan. They forward to legal and said please allow 7 to 10 biz days to clear. That was in XXXX! It is now mid XXXX. My loan is in default showing repo status ( ont heir file and credit report ). I have called on about 30 occasions and they blow me off. Call center tells me that legal is looking at it.
ONE person gave me the number to a guy in the legal dept. He talked to me 2x and now just ignores my calls and does not respond to email!
I WANT THIS CLEARED UP. The car is gone ( insurance has it ) the loan is showing in default and it is affecting my ability to get another loan and my score!! I couldnt close on my home loan since I was in REPO status!! This is beyond rediculous and frustrating!
Please help
|
| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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Due to covid 19 i have been furloughed in XX/XX/2020 I immediately called westlake financial services to defer my payment for the month of XXXX. I was told it was no problem and was approved.
I start getting emails and calls that my payment is over due with late fees. When I called back they said that all deferments are going to be denied because of the pandemic. In his words too many deferments to be able to approve any at this time. I also received an email stating the stimulus checks and insinuating that the car payments should be paid with that. I have a perfect record of the last 14 months with them and just need some help. They denied working with me, deferring or any other action or even removing the late fees. I have no job because of covid, my unemployment doesnt even cover my rent but every company is working with me except my vehicle loan through westlake financial services. They also were ver adamant that it would be reported to collections and this would affect my credit ( which Ive worked VERY hard to fix over the years ) and to even take the vehicle. I feel they are being completely cruel and unforgiving, giving the circumstances Im given. And I cant be the only person in this situation.
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| 12/19/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.
|
| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification.
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.
|
| 04/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX
|
| 04/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
From the statr i was tricked into co-signing a car loan for a relative. I was told in 6 months i was going to be able to remove myself off the loan. I called Westlake Financing company and they told me i can not remove myself and that i wasn't a co-signer, i was actually the buyer. They do not have the signed paper work of my relative. Fast forward, the car got repoed so now im the one responsible and its hurting my credit, I told them and even have proof that the car was for a relative, I hava the bank statements showing that relative was the one making payments. The address they repoed the car car is proven to be that relative address, NOT MINE. So Westlake Financing Company sued me for the remaining balance of {$5500.00}. I have to make monthly payments towards the balance. I was informed they will reopen the account and report the payments to the credit bureaus. Westlake still hasn't open the account and hasn't reported the payments. I've called numberous time and has been transfered to different representative and given different numbers to call and no one seems to be able fix the issue or help me. This account is making a negative impact to my credit report and it does not even belongs to me.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with WESTLAKE PORTFOLIO MGMT, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXXXXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.
|
| 09/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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US Auto seemed to just disappear, I have no knowledge of the company who allegedly has my contract. It seems very sketchy and fishy because I have had gap insurance on my vehicle and since my contract was sold to another company, I no longer have my gap Insurance. Also my price that is still owed is absolutely incorrect. I have tried speaking with someone at Westlake portfolio and its impossible. I once was able to contact someone and I asked for proof that they now own my contract and they refused. I have tried my best to keep paying my car note but something doesn't sit right with this company. I am now having issues with the car and my car is under warranty and I have no where to take my car for Service. Also god forbid me getting into a car accident and I now have no gap Insurance, and they never told me anything, I had to ask them the one time I was able to get a live person on the phone. I really need to do a debt validation letter to make sure this Information is correct because I dont have a contract with Westlake portfolio, my contract is with US Auto . This whole ordeal is a mess and no one is affected but the people who have these contracts that are now void. Can someone please help us.
|
| 07/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I spoke with the Western Funding team on XXXX and informed them I was unable to make the payment due to late commission being paid. They said no problem and made payment arrangements on XX/XX/ my XXXX informed me that they were calling looking for me regarding the payment and asking as if I have not talked to them at all. When I called the representative on yesterday, she said they were looking for me to return the car to the dealership. When in fact, I have already called western funding on several occasions and advised them that I would be making the payment with a secured payment by card on that date. The Representative then start drilling me that it is against the law for me to sell a car that I don't have a title for which any normal person knows this information. I informed her that I will be paying off the loan within the next few days. I felt threatened and mistreated as a customer because of this experience. '' She told me that's why I can not afford to pay for my car. '' I called back and talked to someone else, and they informed me that I could make the payment which I took care of yestersday so my family would not be contacted anymore when I already called and talked to WesternFunding.
|
| 02/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Thats not a full and complete investigation. You didnt addressed my complaint if you look at my credit report it shows that in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I made payments on this car that information is falsified. Show me my payment history. They made {$1.00} payments to keep this automobile in statue. I dont know what I owe. I dont think I owe anything. Ive been given several different amounts and it was XXXX then it was XXXX and now its reflecting as XXXX on my XXXX. I have not made any payments since XXXX or XXXX the car was sold to me as a total out vehicle. Check and see wasnt that car totaled by checking the VIN # and youll find out that XXXX XXXX was paid by Insurance Company and Westlake. They should go after them. I spent over 5,000.00 in repairs on this car only to find out they shouldnt have never sold me that vehicle. On top of that Westlake is also shady they have been making payments on this account as though I was making them. Please investigate this to the fullest and you get to the bottom of the truth. I could have sent you those same papers but thats not what I owe, like I said if you look further you will find deceit on XXXX XXXX behalf and Westlake Financial. Thank you
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| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I previously purchased a XXXX XXXX XXXX through a company which my account was transferred to another company. During the process of being transferred, I was unable to make my payment on the online portal as I usually do. I could only view my amount. I had to go pay my bill to XXXX through bill pay which incurred a late fee due to not being able to get on the portal due to the transfer. I received a text few days later stating I had to call the company because my access one that transferred. I called the new company and verify the information that I received. I was given a different account number to make my future payments. During the conversation I emailed them new company the confirmation number form my prior company along with my recent confirmation that I made my payment. Days went by the new company stated they did t receive my payment. I resent the information back to them a second time. Since my account was setup on a biweekly schedule I was able to make my first payment through them on there web portal. My account have inaccurate charges due to the transfer I have my documentation from where my payment was made and a confirmation from my old lender stating my payment was successful.
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| 02/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.
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| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX They ran my credit for XXXX Auto Financing, XXXX XXXX ( twice ), Westlake Service Inc, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
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| 10/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX after reviewing my credit report I noticed an delinquent/collection account, of which I had no previous knowledge of appearing on both my XXXX and XXXX credit report. The balance owed is reflected as {$1700.00} while XXXX reports the debt type as 'credit card, ' XXXX reports the debt type as 'installment. ' I immediately sent correspondence dated XX/XX/XXXX, ( see attached correspondence ) to the Wilshire Consumer asking them to follow FCRA requirements and validate the debt with a 'wet ink signature. ' I also requested any and all documents pertaining to the account that would further validate the debt in question. Additionally, I disputed the account with XXXX and XXXX. The results of the dispute returned as 'updated, ' as if Wilshire simply updated the account information. Unfortunately as of XX/XX/XXXX Wilshire Consumer has surpassed the 30 day timeframe instituted by FCRA, I 've received no response from Wilshire Consumer.
Likewise, I contacted Wilshire Consumer via phone on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ) to request proof of the debt owed. I was told the information requested was available, however, 'originals ' would not be made available for my review.
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| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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Bought a car from US Auto sales in XXXX of XXXX. Car started messing up and then found out the service warranty I purchased was never funded. Then the engine went out so I did a voluntary repossession because they would not honor a warranty. Then in XX/XX/XXXX they filed for bankruptcy and sold the loans to Westlake Portfolio Management.
US Auto Financial is the lienholder on my title. US Auto also breached the terms of my contract by not funding the warranty contract with XXXX. They are also suing US Auto and Westlake for breach of contract. As of today my credit report is inaccurate. Balance is wrong, original creditor is wrong, XXXX is wrong and there are no payments listed from XX/XX/XXXX to XX/XX/XXXX. Westlake is in violation of XXXX for reporting false information. Westlake Portfolio Management needs to be REMOVED from my report for inaccuracies. They are still reporting on my credit report.
They are still harrassing me with letters and phone calls wanting payments. I don't feel like I should pay seeing as how my contract with US Auto has been canceled due to breach of contract. The original contract that Westlake tried to send me as proof still has US Auto on it. NOT Westlake.
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| 08/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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In XXXX I purchased a XXXX XXXX new XXXX XXXX through XXXX and financed XXXX through Westlake paid XXXX the rest of the amount. In XXXX the car was paid off DMV sent the title to Westlake after they received the title without it signed. DMV sent the title in XX/XX/XXXX Westlake has had the title since. In XX/XX/XXXX I was in a accident my vehicle was a total loss. I contacted Westlake to get my paid off car title and they say there is no record of me and that I applied for a loan but was not approved. The next time I called to get the title released to XXXX so I could get paid out for XXXX with both a rep from XXXX and myself on the phone they said this time they had absolutely no record of me. This is impossible because XXXX would of not sold me the car. DMV has them as title holder I know them as title holder and XXXX also has them as title holder. I have no vehicle no money and no title with no room to fix the problem. I cant work without a vehicle and I have no money to pay my rent and Im at risk for loosing my home this terrifies me being a single mom. I need Westlake to write a letter to XXXX to release my title so I can get paid for my total loss. I have the VIN and title number.
|
| 08/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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Westlake Financial is reporting inaccurate information on my credit report. The vehicle has been paid off but they are showing a balance of {$5500.00}. Westlake repossessed my vehicle in XX/XX/2019. I spoke with them and made arrangements to recover the vehicle and made an agreement to settle the account for less than owed. As part of the vehicle being repossessed the tow company caused over $ 7k in damage. My deductible was {$2500.00}. I requested additional time to settle the payoff agreement with Westlake. They advised that they would work with me but I needed to make the second payment. I made the second payment towards the payoff. They repossessed the vehicle a second time and voided out the first agreement. They would not provide me with a copy of our settlement agreement. They then tripled the amount that was due on the settlement agreement. I had no choice but to accept the second agreement. The second settlement agreement has been paid off. Westlake is reporting the loan as having a balance of {$5500.00}. They are also reporting failed to pay every month after they charged the account off. This behavior is unacceptable and has been consistent with the way that they operate.
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX XXXX I received a letter in the mail from Westlake Portfolio Management about my XXXX XXXX here in XXXX Fl. I applied for a personal loan with the company. I paid payments to the company. Apparently XXXX XXXX never forwarded my XXXX XXXX payment to the new servicing company I paid in XXXX XXXX. When receiving this letter from Westlake Portfolio Management. I called to inform them that I had paid the old company and asked for this company to send me correspondence regarding everything. I had paid my XXXX XXXX payment. I never received the information asked and they reported my late payment to the credit bureau. I have never received any payment statements nor have I ever contacted them and arranged anything in the letter they provided to the credit bureau. They says all calls are recorded get a copy of those calls. I never arranged anything with this company. I have contacted them in regards that the loan I had signed for is not an automobile loan it's a personal loan. But this shows up on my credit report as a car loan. I can't get a car loan because of this. The letter I just received in the mail is fraudulent I have never contacted this company for a payment arrangement.
|
| 05/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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My auto loan was with Westlake Financial Services and I refinanced with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Westlake has been paid off by XXXX XXXX XXXX for the payoff amount they communicated to the new bank on XX/XX/XXXX. Westlake Financial released the vehicle title to the new bank since it was paid off. One month later, around mid XXXX - they started contacting me for additional payments. In addition - they fraudulently added late fees for months that payment was made on time. The months they added late payments that are untrue are for XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and in XXXX for XXXX, XXXX, XXXX. In addition they back dated to add fraudulent NSF fees when payments went through for XXXX, XXXX of XXXX and 3 additional NSF fees of {$25.00} each - so 5 NSF fees total of {$25.00}. This company calls me at least 10-15 times everyday all day long from various phone numbers that look like my family from XXXX and other businesses in order to collect a debt that is not valid since my refinanced loan is no with XXXX XXXX XXXX XXXX and theyve already paid Westlake Financial the amount in full as well as have the title for the vehicle that Westlake released to XXXX XXXX XXXX XXXX.
|
| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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|
An affidavit of Billing Error Notice was mailed to Westlake Financial but they didn't respond back.
The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud.
CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.
CFPB 1026.23 Right of Rescission ( cancellation ).
A note is only a promise to pay and not payment ( XXXX XXXX XXXX v XXXX, XXXX P XXXX XXXX ).
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX.
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.
42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
|
| 08/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX Entered into a consumer credit transaction with Westlake Financial on XX/XX/2020 using my credit card as defined under 15 USC 1602.
A consumer credit transaction in which a finance charge was involved. 15 USC 1605. ( a ) defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash in which Westlake Financial in fact took cash in this consumer credit transaction. The finance charge is suppose to include Insurance. Westlake Financial did not include insurance and failed to clearly and conspicuously disclose to consumer of the right to have insurance provided in connection with this consumer credit transaction. Westlake Financial made me purchase insurance separately. Westlake Financial include fees imposed by third parties which is a violation of 15 USC 1605. ( a ). Westlake Financial did not disclose or provide appropriate forms for the consumer to exercise his right to rescind this transaction.
Westlake Financial in fact willfully and knowingly withheld information required to be disclosed under the provisions of said subchapter which makes Westlake Financial criminally and civilly liable.
|
| 09/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.
|
| 10/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Owing a final balance of {$600.00} as per my recorded telephone conversation in which the final balance was disclosed I advised XXXX XXXX XXXX loan company that I would be requesting a payment reduction or payment arrangement because due to the loss of my home I would be experiencing financial hardship for a short time and on discussing this, the company proceeded to initiate an illegal repossession of the vehicle and on top of it are claim XXXX more than what was owed as I only had ( XXXX ) payments to make before the vehicle was paid off in full.
I inspected a copy of my credit reports and find that XXXX XXXX are reporting inaccurate balance owed as I only had ( XXXX XXXX payments to complete the purchase which does not add up to the balance they are reporting.
I request full debt validation from this company included conversation logs as per literate the companies telephone procedure for incoming and outgoing calls. I find XXXX XXXX XXXX business practice to be dishonorable at the end of their contracts and they have integrity for this reason along with counsel i will do my own investigations into the balance owed as a result to their illegal repossession of my vehicle.
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle in XX/XX/XXXX from a dealership and when I purchased it I also purchased XXXX XXXX and a Warranty Contract and Collateral Insurance. In XX/XX/XXXX I broke down while out of town and called the Warranty Company to have the car towed and was told that they could not honor my contract because the company I bought the car from never paid them, That is also when I found out that they suddenly went out of business. About a week later I received a email from a company saying that they were now servicing my contract and said XXXX owed {$24000.00} which is my original contract amount. I have paid all of my payments of {$520.00} and also put {$1500.00} as a downpayment. The new company told me that they didn't have a copy of my contract but wanted me to make a payment. I told them that I wasn't paying them anything until they could provide me with a valadation of debt and copy of my contract and information on the XXXX XXXX and Warranty Company. They sent me a copy of a payment history that did not have any payments on it. I feel they breeched our agreement by not providing the service that they said they would and by not applying any of the payments to my account
|
| 03/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2022 I had used my spouse bank card ending in XXXX of {$160.00} with the conformation # XXXX I went online to pay the {$160.00} and it gave me a conformation # and when i check it again it had a balance of {$200.00} so when the XX/XX/2022 came I pay the other half of that {$200.00} with my card ending in XXXX along with the conformation # XXXX, and the only reason why I used my spouse bank card is because I had a bad cold and my purse was in the trunk of my car I been fussing with Westlake financial services about this for 3 and half weeks and they think I am lying about this which I am not because they did this to me the first time and I believe that this company is stealing people money because I seen the reviews and when I pay the {$160.00} they gave me an conformation number and I am on the phone with them now and they giving me the run around and trying to keep on lying about it and the customers are always right I have evidence stating that I pay of {$160.00} and the conformation # for that and the conformation # for the {$200.00} and they have me on hold and haven't came back to the phone yet I don't know if their doing fraud things on my account or some else.
|
| 04/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On Sat XX/XX/XXXX I recd a letter in the mail from Westlake Finanical Company, LA, CA for a fraudulent loan that they purchased from XXXX XXXX XXXX in NJ. The monthly payment was stated as {$320.00} for a XXXX XXXX XXXX XXXX class to which I did not purchase, sign or co sign for. They had an incorrect email address listed on the form and bolded underlined section about how this may not match the address states or consumer credit report. I called the company 3 x and spoke to 3 different people ( XXXX XXXX, XXXX, and XXXX XXXX ) at XXXX. They all 3 gave me different information and were not helpful, very suspect, unprofessional and quite honestly seemed more like a debt collection. I could not speak to a manager or legal. I filed a report with the local Police Dept who also called and got no information as well. They will be issuing subpoenas and warrants. There as another name on the loan that I do not know nor never have - XXXX XXXX. I have contacted the credit bureaus to put an alert and freeze on my reports although both of these above names were listed as inquiries. This is a fraudulent use of my credit report in this auto loan process. Please advise next steps.
Thank you
|
| 08/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had a car loan with their firm. The car was totaled in an accident and the insurance company contacted Westlake Financial for a pay off. The received payment and I signed the car over to the insurance company. Several weeks later I received a bill from Westlake Financial stating I owed a balance. I was not certain how this was possible as they are the ones who gave the pay off amount, and if there were additional funds they should let the insurer know. They kept sending me a bill, charged late fees, kept calling to collect. Even after my repeated requests to send documentation explaining why I would owe and not the insurer they failed to do so and continued with the calls. They ultimately listed it as a charge off on my credit. I received a call from them occasionally, and stated my same request, to no avail. For some reason the past two weeks they have been calling me non stop, 7 days a week, all hours of the day and evening. I have gotten in excess of 10 calls a day. Sometimes when I do answer they hang up. Other times when I do answer I explain to them I would like written documentation of the debt, and also all communications to be in writing. They have failed to do so.
|
| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
In XX/XX/2015, I purchased a XXXX XXXX from XXXX XXXX XXXX and it was financed by Westlake Financial. Two weeks after the purchase I was contacted and told that I needed to come back to the dealership and resign some paperwork. I was told that all the information was the same. I signed the paperwork and left. A few weeks later I received a bunch of calls from services looking to sell me Gap insurance. I was confused because when I bought the car I purchased Gap Insurance and told the salesmen that Gap insurance was the most important part of the deal because I had an issue years ago where a car of mine was totaled and I didnt have Gap insurance. After receiving all these calls, I called the dealership and asked if Gap is insurance was on my contract and it wasnt! The salesmen fraudulently took it off the original contract and had me sign a new contract without it. Along with the excessive interest I was charged, I was completely taken advantage of. Since then, the dealership was sued by another client and I received a settlement in the mail of a XXXX XXXX dollars. The vehicle was eventually repossessed after 4 years due to not being able to afford the excessive payments.
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I know I am not the first but I hope I will be the last to have to deal with this and put an end to it. US Auto Sales of Georgia closed its doors earlier this year and sold off my auto loan to Westlake Portfolio Management. My car was total lossed on XX/XX/XXXX and Westlake has not done any paperwork associated with, or made any attempt, to complete the GAP waiver process which was connected with my original agreement. I was further informed today, XX/XX/XXXX that I am required to submit the GAP claim myself because it was done through a " third party. '' I spoke with the GAP provider who proceeded to inform me this is indeed their full responsibility to submit on my behalf. All the paperwork they would require from me is already in my possession but I am getting absolutely NO traction on this whatsoever. I am making an official claim against Westlake for incompetence and failed business processes that unclear/differing information from multiple customer service agents I have spoken with in regards to this process.
I am going in a circle with Westlake Portfolio Management and absolutely would not recommend that anyone do business with this company if they can avoid it.
|
| 09/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ).
Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum.
I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying.
I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.
In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX.
I still have nothing from this company.
I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full.
I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account.
Please help me.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Good Afternoon and how r u Cfpb & Westlake Financial Managers! I'm not sure exactly who to take this to, but it's been more than 6-7 months that i been trying to resolve this matter and everyone has failed to look into this and investigate it. I haven't received anything that proves the method of an investigation but yet there is a wrong balance on this account and finally today I got hold of someone that help me get to the bottom of it. As you can see the attachment, i talked to XXXX today and settled the account and he said that within the next few weeks, they will remove this tradeline from my 3 credit reporting agencies ; XXXX and XXXX and XXXX. I'm not liable for this account, but yet it continues to report incomplete, inaccurate, erroneous information on my credit. It's basically unverifiable and this can not be reported as such, It's my understanding that under the consumer laws that account needs to be reported as accurately as possible, and verifiable. This is not accurate!!! There are different dates of last open, questionable balance, high balance than actual balance, 1st dates of delinquency is incorrect and different dates of last active and payment, etc.
|
| 04/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
|
| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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|
on XX/XX/XXXX my car company us auto sales went bankrupt and was told my loan was being transfer over to west lake portfolio mangement. my vehicle broke down due to transmission failing and called west lake to correct the problem since us auto sales say my loan was transferred. west lake agreed to put a request in because i was spending over XXXX XXXX to get my car fixed and west lake was not honoring the service agreement even t. on XX/XX/XXXX my vehicle was repo and i was told my payments were behind on the vehicle. i told west lake that i had to get my vehicle service since they did not honnor the service agreement with us auto sales. then west lake also said that i haven't paid on the car since i had for 2 years which is a lie and have payments to prove it. then they are charging me full price for my vehicle when i first got the vehicle 2 years ago in XX/XX/XXXX. they were telling me my whole loan started over but i never agreed to any loan starting over and did not get any phone call from us auto or west lake. and it still show that us auto is still the lein owner of my vehicle not west lake and they are not explaining any details from us auto sales contract.
|
| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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On XX/XX/XXXX, one day before my payment was due, I called Westlake Financial Services to see what options they had available to consumers due to the Covid-19 Crisis. I was told they had nothing available to help me. However, the representative said I could give them my bank account information and he could then arrange to have it paid automatically on XX/XX/XXXX. As this was my only option, I called back to have it arranged, and was informed that since I didn't make the payment on XX/XX/XXXX, the due date, I would be charged late fees. The lady said I may be able to call back and have them removed later due to Covid 19.
Although I keep hearing that creditors can help you during this time, and all my other debtors are more than willing to offer help, I have found Westlake to be totally unhelpful. The reps I have spoken to sound like they don't even know about the crisis.
I am a XXXX XXXX who is recently unemployed due to the crisis. Since there are 24 million people now filing, my claim for unemployment is backed up. For this reason, I am not certain that I will be able to make this payment right away, and I need Westlake Financial to work with me. Thank you.
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid off the vehicle last year they never sent a title or a lien release. A couple months ago the vehicle was totaled and the person 's insurance company that totaled it will not pay me for the vehicle until I give them the title. I don't have a vehicle to use until I can get this settled.
2 months ago I contacted them and asked them to send me the lien release and they said that It would be there within 10 days. Two weeks later I called back again they forwarded me to a different department that handled titles which they didn't send me to the first time. Then they claim they sent it again and that it would be there within 10 days. 2 weeks later it didn't come I called again I told them it didn't come they keep claiming they sent it but it's not coming. They've never had a problem sending me a bill but they're having trouble with this. Then I give them a different address in hopes that maybe there's an issue now it's been 2 months and still no papers coming anywhere. I asked them for a tracking number they said they couldn't do it. I asked him to fax it to a tag and title place they said that it's a privacy issue and they can't. I tried everything that I can.
|
| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, I spoke to the financial westlake financial servises, to request an extension of payment, since on XX/XX/XXXX I have to pay it, I explained that the company for which I work closed due to the pandemic of the coronavirus indefinitely, I explained to them that I could not have my payment since that company only paid us a week of salary, the person who attended me by phone told me that I had to pay {$50.00} dollars to make the application for the extension so that they would approve it, pay the amount that was asked of me and I was calling said finance company daily and they had not solved anything for me, it was not until yesterday that I called again and they told me that the extension that they only give me 10 days after the day that I have to pay, I told them that I can not pay them that day then they told me that if I do not pay that day for the month of XXXX I would have to pay the month of XXXX and the month of XXXX, to which I replied that I was not going to to be able to make both payments because I do not know what day I would return to work and besides I have food and rent expenses. They just told me that nothing can be done, help me thanks
|
| 02/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am the victim of identity theft. The thief opened 3 auto loans in my name. I contacted all 3 banks and informed them of the fraudulent charges. 2 out of the 3 banks resolved my issue within 3 months. This last bank I have been contacting for over 2 years. I call the companies customer service phone number, and I am told to fax my documentation to them. I have, multiple times. Each time I call, I get a different representative who claims they don't have my information. I finally reached out to the management team, and XXXX XXXX told me to contact XXXX XXXX. I did on XX/XX/2019 and submitted my documentation to him, and was told their legal team will review my documentation.I have not heard anything back, and each time I have reached out to XXXX to get an update about my case, I am told " The legal team is still working your case ''. We are approaching 8 months without any information on what is going on with my case. XXXX XXXX XXXX ( XXXX XXXX XXXX ) resolved my fraud case within 2 weeks. XXXX XXXX XXXX XXXX did it within 3 months ( After filing a complaint against them ). I feel I have been patient with Westlake Financial Services, and have gotten no results.
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
A local used car lot got me financing through Westlake Financial Services, XXXX XXXX XXXX, XXXX XXXX, CA. My vehicle was repossessed. The loan company sent me a letter stating the outstanding amount and offered to take a lesser amount to settle the account as " paid in full for a lesser amount '' if sent by certified check within a short time period as a one time payment to close the account. I followed the instructions as stated in the letter and made the payment. Within a short time, I received the same letter with the amount due with the check I sent as a payment to reduce the balance, not close the account, and another offer to send a certified check for a lesser amount to close the account. I called to inquire as to why the certified check was applied as a payment on the account instead of applied to close the account. The agent said sorry, can't change it. When I asked to speak to a supervisor they were all busy and would call me back. I called four times, spoke with four different agents and got the same answer with the promise that a manager would call me. No one ever called me. My credit report does not reflect that I paid in full for a lesser amount.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Westlake Financial has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off the loan on XXXX, 2023. I received a letter on XX/XX/XXXX saying " Also enclosed is your title and contract documentation that we had on file for your loan. '' the only thing the letter has enclosed is a Lien Satisfied letter, and a two-paged list of various business names that Westlake Financial says they have rights to service, secure or release the interest on vehicles with.
When I called them they told me I have to go to DMV and pay for a title. I told them, no... you are supposed to provide me the title after the loan is paid off. She said the 'title is verified ' and I could not understand her words when I asked what she meant. She was clear about telling me that I would need to go to DMV and show them the lien satisfaction letter and then pay for a title.
It's my understanding and previous experience with every auto loan I've ever had, that once the vehicle is paid off the financial institute that held the loan provides the title to me. I told her I believe they are required to provide the title and she kept repeating that the title has been " verified '' I gave up and told her I would file a complaint and force them to provide the title.
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
In early XXXX, XXXX, I became aware that my XXXX, XXXX payment had been rejected because of a dispute I did not initiate. I sent verification twice, of said payment in the form of a copy of the appropriate page of my bank statement on XX/XX/XXXX, and XXXX. I also sent the same documentation directly to a supervisor, of which she verified receipt on XX/XX/XXXX. My Westlake XXXX, XXXX statement shows that the XXXX payment was made. I do not recall the date, but during my numerous calls to Westlake Financial, I had an employee of my bank verify the XXXX, XXXX payment had been made and the funds WERE NOT returned to the bank regarding the dispute.
I was told initially that the problem would be resolved in 2 weeks. I have heard nothing regarding resolution, other being told every time I call, that it will take 2 weeks. I can not speak to anyone with the authority to resolve this matter. I want my XXXX, XXXX credited to my account, so that my account will be current through XXXX, rather than my account being late. I have religiously made my payments at least 10-15 days in advance of the due. I was not made aware if the rejected XXXX, XXXX payment until XXXX, XXXX.
|
| 10/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company added XXXX extra to my principle. I never was late or missed any payments the full payback on my loan was XXXX on a XXXX loan for 36 months I paid it off a month ago when I called for the payoff amount it was XXXX over the total loan amount. When I asked them why am I paying more than the total amount agreed to they just said its interest and nowhere on any of my statements does it list these extra charges finally after arguing with several different people from there company they finally said it was extra interest charges because the first month of my loan I called and asked if I could change my due date to the XXXX of each month they said no problem I believe they said there would be a small fee of XXXX to switch the days so I said okay. but when I asked about why it was so high they said they explained all of this to me and that they recorded the conversation explaining all the extra charges I told them they were lying that nobody ever explained that to me and that I would like to hear where I agreed to those charges but they refused to let me hear the recording they steal your money and lie about it like there is nothing you can do about it.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am having an issue on my credit report. I have reached out to the company ( Westlake Financial Services ) The person that Ive spoken with is very rude and does not want to help me with this issue. He has told me to let it go, move on. Meanwhile they keep reporting that the payments are late every month. I have The receipt I have sent the documentation to XXXX they agreed that the payment was due XX/XX/XXXX. As of XX/XX/XXXX they are so reporting that I am late and negative remarks. I have disputed this with XXXX maybe six times now I have tried dealing with Westlake financial and I feel as though they are just doing this now because they are upset at how many times I have disputed it. This was an account that I had cosigned for somebody and was not told that the payments were not being made. I settled with them and paid {$500.00}. The payment total was {$1000.00}. I have tried to call them saying that I would pay the remainder but they said I would not be able to do so because the account was closed. I have no idea what to do now all I know is that this looks terrible on my credit report and I need this to be taken care of for all three credit bureaus.
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX in XXXX XXXX and do not ever go thru westlake financial both rip offs
|
| 11/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I am not liable for this debt of {$4800.00} with XXXX XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX XXXX. This company did not provide me with the original contract that stated I have a contract with XXXX XXXX XXXX along with my wet signature and id verification. The contract provided is inaccurate and has been rescinded. This company is illegally impersonating themselves as an auto loan installment on my credit report but they are an official debt collection agency. Which is in fact a violation to my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Westlake Portfolio Management has reported late payments that are negatively affecting my credit reports which is a violation as well.
In accordance with the Fair Credit Reporting Act this creditor has violated my right 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
|
| 10/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Theres XXXX car dealerships I have issues with XXXX XXXX XXXX earlier this year in XXXX went there looking for a cash car they took XXXX dollars from me they took advantage me at the time because I was desperately looking for a suv they didnt tell me the car was as Is and the car broke down on me the next day I got it they also didnt tell me that they didnt have a 30 day return policy and they also is false advertising none of the vehicles are cash like they say American dealer sold me a car with a different vin number they was under investigation and took my car from me after I made all my payments they lied to the finance company west lakes financial saying I didnt want my car anymore and that was a lie so all my car payments when down the drain because they were doing fraudulent activity with the vin numbers on the cars and didnt want to get caught they made fake letters making it seem like the company was writing those letters and the company never wrote the letters I recently got a car in XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was making payments but my loan wasnt going down can you please pull my contracts from all XXXX companies please
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
On XX/XX/2023 I XXXX XXXX attempted to create a credit profile with XXXX credit bureau to check my credit score, only to learn that someone has already created an account in my name, so I contacted the XXXX fraud department and explain to them that I did not create this account, the fraud department placed an fraud alert on my credit report. Once I had access to the fraudulent account with the help of the fraud department I notice there were quite a few accounts on my report I didn't recognize, ( 2 ) XXXX XXXXXXXX credit cards, the first one amount is XXXX the second amount is XXXX a XXXX XXXX card in the amount of XXXX, and a total Card in the amount of XXXX and a XXXX XXXX insurance Policy in my name in the amount of XXXX dollars, Also an XXXX XXXX account in the amount of XXXX dollars, Also an west Lake financial Auto Loan I contacted them it was closed, amount XXXX dollars, also an account with XXXX XXXX bank in the amount of XXXX dollars, and XXXX Business account in the amount of XXXX dollars and a XXXX acount with the amount being XXXX plus dollars still awaiting the exact amount from XXXX i contacted there fruad department on XX/XX/2023 2023
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}.
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business.
Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd.
Bottom line is i want my title back.
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In early XXXX, Westlake Financial updated their mobile app. This happened early in the month. Ever since, everytime I go to make my payment on the due date, the XXXX each month, they do not accept my payment. When this happens I receive anywhere from $ XXXX {$50.00} worth of late fees. The issue only occurs when paid on my due date, but not when there is a late fee attached to the payment. Speaking on the phone with them, they claim that their system voids my payment because it can not find my bank account, however, they always find it after applying extra fees.
In XX/XX/XXXX I signed up for Automatic billing payments. After speaking with them on the phone today XX/XX/XXXX they claim that I am not on auto payments. Again clarifying to me that their records are not matching their mobile app.
My XXXX payment was supposed to be automatically taken out on the XXXX, I checked the app the XXXX, XXXX, and XXXX and it showed it had submitted. They called me the XXXX and stated I was past due.
I have screen shots from previous months that are time and date stamped on my phone showing that they are erasing payments from the system until I pay extra fees.
|
| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX. Westlake Financial Services was appointed to be the financier for the vehicle. I paid {$750.00} as a down payment and signed the Sales Contract on XX/XX/2021. I have not received the paid license plates to replace the expired dealer tags, no billing information for the upcoming monthly car payment of {$320.00} scheduled for XX/XX/2021. This information was outlined in the signed sales contract.
I was advised over the phone yesterday XX/XX/2021 from XXXX at XXXX Eastern time. Westlake Financial Services is no longer the Lien holder of the vehicle. I received no follow up or updates for the car loan. The dealer XXXX XXXX XXXX might try to tow or commit ( Larceny ) to my vehicle, and possibly cause damage in the process. I need to know which finance company was the vehicle loan sold too, and an account number given, so I can make my first monthly car payment on time?
Their cooperation will be greatly appreciated!
Dealer/Seller : XXXX XXXX XXXX XXXX XXXX Buyer/Customer : XXXX XXXX XXXX Lien holder/Financer : WestLake Financial Services -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
|
| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I purchased a vehicle on XX/XX/2021 and it is financed through Westlake Financial. I also purchased an extended Warranty. The transmission went out in the vehicle and the compressor was damaged as a result. When I attempted to use the vehicle extended repair I incurred over {$2700.00} worth of out of pocket expenses. The warranty has a cap on the hourly rate for labor, they dont pay taxes, they dont cover the compressor which had metal shavings in it as the result of the transmission breakdown damage. None of this information is in writing in the warranty contract. I was always told if it is not in writing that does not exist. My understanding is that in purchasing the contract if I followed the conditions the items listed in that contract would be covered. While the warranty company is secure one, I purchased it through Westlake Financial. Westlake refused to assist me in any way and also has refused any payment arrangements since I have to try and pay for the repair and the car payment has now come due. I had the vehicle a little over 30 days and Im looking at negative impacts to my credit and finances with no relief available as a consumer
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I took out an auto loan with US AUTO Sales on XX/XX/XXXX for a XXXX XXXX XXXX. While I was late on some payments a few times, I was never notified that my account would be closed.
My last payment was XX/XX/XXXX.
My account was closed and sold to a company called XXXX XXXX XXXX on XX/XX/XXXX.
When I saw the change to my credit and that the account was closed, I tried to go to US Auto sales location in my city of XXXX, GA and was surprised to find that it was closed. All of them are now closed. It would appear that the company itself has/is dissolving and sold all of their loans to debt collectors.
My problem here lies in the change to my credit. My XXXX XXXX dropped almost XXXX points because it shows I paid off my account, when clearly I did not. Meanwhile, I still have to pay to the debt collector ( Westlake Portfolio Management ), and those payments/account are nowhere to be seen on my credit.
At the end of the day as a consumer, I was using the car loan to build my credit as well. My goal with this complaint is to hopefully repair my credit before I have to find a new apartment this year!
To whoever is reading this, thank you.
|
| 04/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Good Morning/Afternoon, I am XXXX XXXX XXXX XXXX and Westlake Financial Services has not only shown great lack of professionalism but also abuse of financial gain on there status. Mistreatment of my account and legality of my XXXX XXXX XXXX Orders have been dismissed on numerous conversations. Westlake Financial Services has violated the SCRA ( Federal laws protecting Veterans who are deployed ).
Westlake Financial Service was given XXXX Orders early XX/XX/XXXX and acknowledge the status of the account. On XX/XX/XXXX Westlake Financial Services repossessed the vehicle on the account and refused to release until payment was made dismissing the Military Documents given. On XX/XX/XXXX I paid {$1600.00} to release vehicle from repossession company. Upon this situation, my credit score has been severely hit in nothing but a negative way.
Before this action Westlake Financial Services has not only not taken my funds every month but added on arbitrary fees when addressed about there mishap. Reference # XXXX XXXX late payments can not be issued to people who are deployed ). Which I was given 10 missing late payment during the time of my XXXX.
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : Westlake Financial Services wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents.
.
|
| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
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XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
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| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.
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| 07/03/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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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 XXXX after making months of payments XXXX 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!
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| 05/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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last week XX/XX/XXXX I got in contact with Westlake Financial Services www.westlakefinancial.com, in order to negotiate the deferment of postponement of my 2 loan that I have with them 1 ) XXXX XXXX XXXX loan was approved for around XXXX in XXXX of XXXX.
2 ) XXXX XXXX XXXX : Loan was approved from XXXX in XXXX of XXXX.
I spoke with one of the agents and explained that due to the severe impact of Covid-19 in our family financials we were not in the position of paying the car loans, I asked for a postponement of deferments of the payments and he said he wasn't authorized to do such request, I asked to speak with a supervisor and he refuses to transfer the call saying that the supervisor was supposed to say the same thing because they don't have a program to help anybody with financial issues. I asked to have a supervisor to reach me out otherwise I will report this to the authorities.
I called today XX/XX/XXXX to see if anybody was available to deal with my request and obtained pretty much the same answer, I hope someone can help me to defer those payments ( I'm not asking to forgive that money ) in this difficult situation.
Thank you.
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| 08/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I got the loan from the finance company to purchase my new vechile on XX/XX/2019, well on XX/XX/2019, My vechile was impounded for 30 days for driving without a driver 's license.So 2 weeks into the impoundednent I called the finance company and asked them if they could put the impounded fees on the back of my contact, so that I can be prepared and get my finances in order for my bills for the month.well the finance company said that they wouldputthe impounded fees at the end of my contract, so I made used the money for other plans I had.on the day of the pick up day for the car, the finance company said that I had to come up with all the impounded fees which is XXXX, I told them there's no way I have that type of money, that's why I called you 2 weeks ago and ask you if you could put the impound fees on the back of my contact, so I can gather up the money and you said yes.and now they said that I can't receive the car in till I pay the fee of impound.i have not been irresponsible I have never been late on my payments.im upset cause they told me yes then on the day to pick up my car they said no they want the payment of the impound fee.
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| 09/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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US Auto Sales Recently just went out of business and then I start receiving calls from this company who co yours to charge me NSF Fees, talking about late payments, the interest was literally done however I see interest still being chargers with new Conpany so it seems I am being charged interest all over again. And its being charged Daily when I send that this supposed to be company had called me regarding the loan I looked up the info and right away felt they were a a scam because of them saying I owed money for late payment etc. 2nd the interest that showed on the loan when the site popped up said I owed maybe XXXX or so dollars in interest. Now it seems to be more interest being paid on a loan and maybe 20-30 % Going towards my loan I need to know about my Gap Coverage does it still exist? The car cost was XXXX and my loan anount was almost double that amount so since 2019 my account shows the price of like XXXX ish where has my money gone and were they just XXXX This is faulty and I did it trust this company.
Everytime I call I cant ever understand the person on the other line and they dont understand me either so what do it do.
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| 06/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I requested an account payoff letter from Wilshire Consumer Credit to reflect what the payment amount would be to settle my account, the amount given in the letter was XXXX ( per diem interest XXXX a day ). XX/XX/XXXX an amount of XXXX was paid to Wilshire Consumer credit from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX due to total loss following a car accident. I received a payment history letter, XX/XX/XXXX confirming that my account was paid off. Wilshire Consumer Credit however has on my report that my car was a redeemed repossession and {$7500.00} is past due as of XX/XX/XXXX on my credit report. I have proof of all letters to show this to be a false report on my credit report and Wilshire is unwilling to accept responsibility of the letter they themselves forwarded to me, and is unwilling to acknowledge that my account was satisfied. May I also note that Wilshire is trying to settle this account for an additional {$1500.00}. This is my second title loan so I know how the process works to know better than that and Im disappointed to see business is being handled this way, and to think we as citizens are penalized for fraud!
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| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Hello I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX Washington in XXXX of this year. I put 10 % down on {$1300.00} it took over a month for the dealer to finalize the loan with the finance company. My house burned to the ground on XX/XX/XXXX and we were struggling to survive we contacted XXXX XXXX they had no sympathy for our situation and told me if we didn't make payment by the XXXX they would be sending back my loan we paid on the XXXX no calls or emails saying that anything was wrong. Now today XXXX XXXX who we still haven't gotten a registration from and who had put plates from someone else 's car on this car we find out from the state patrol saying that they want the car back ... ..we bought the car not being told the title was rebuilt. I have sunk over XXXX dollars into this car because the owner of the dealership I bought it from XXXX rigged everything under the hood of this car I can provide all receipts for the work I've done so basically I would like to either get paid back for the money I have had to dump into the car and the down payment and payment I have made. Or I would like the finance company to reinstate my loan
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I had a loan with us auto sales and of course we all know they went out of business and transferred our information over to westlake. I was making payment to westlake until I noticed that my payment looked like I haven't even been paying on it and then I checked the loan term months with us auto sales that I had and it was only 65 months and then I check westlake and it's says that it's for 140 term months. Westlake is constantly blowing my phone up for payments. I checked their website and it's says a debt collecting company but when you XXXX westlake it says finance company. Which is it? I asked for my contract with them and I never received one 4 months now. This was my first car I purchased alone and I had no help, to be treated like this is crazy. I just want my title that's it, so I can wash my hands with this company. I think we all deserve our title and westlake and us auto sales can crawl out of a hole that they dug themselves not the customer and them. All the money I pay is going to interest, maybe that's why they make us pay twice a month and if it's 3 pay period in one month, guess what they make us pay all three times.
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| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Dear Sir/Madam, I am writing to file a complaint against Westlake Financial Services for their failure to provide me with a lien release letter for my auto loan. Despite paying off my auto loan in 2017, I never received a release letter from Westlake. When I contacted them at the time, they were unable to provide one. Unfortunately, this oversight has now come back to haunt me as I recently attempted to transfer my car title and discovered that Westlake had not released their lien on the vehicle.
Despite numerous attempts to contact their customer service and title department, I have been unable to obtain the necessary lien release letter.
This has caused me significant inconvenience and frustration, as I am unable to complete the necessary title transfer for my vehicle. I believe that Westlake 's failure to provide me with the lien release letter is a violation of my consumer rights and has caused me undue stress and financial burden.
I request that Westlake provide me with the lien release letter as soon as possible so that I can complete the title transfer process.
Thank you for your attention to this matter.
Sincerely,
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| 06/16/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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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!
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| 08/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
Servicemember |
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My name is XXXX and I have a Title Loan with the company Wilshire Consumer Credit based in XXXX XXXX, CA. I opened a new loan back in XXXX of XXXX with a balance that is logged of {$11000.00}. I've paid numerous of payments that is {$570.00}. Sometimes I split it and paid two payments to make the {$570.00} payment of the month. What I'm concerned is that it is now the end of XX/XX/XXXX and my current balance left is {$11000.00}. They have gotten thousands of dollars from me with no relief of my title loan debt and will be stuck with it longer than it will. Please help me and find out what is going on that they are doing these practices of NOT paying down your principal and instead paying into interest to GAIN for the company by making profit for themselves. I feel that I am not the only one going through with this. My vehicle has over XXXX miles. How bout if one day my car breaks down and I am still stuck with this debt. That is NOT fair. I need help and resolve this loan issue. I am an honest consumer and want what is fair. I feel like I'm being taken advantage. I'm a single mother and widow with XXXX teenagers.
Thank you.
XXXX
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| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American |
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XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
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| 09/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
Servicemember |
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I am a legal resident of Texas and my vehicle is registered with Texas. I am also a 100 % disabled Veteran that is going through some really difficult financial strain with my fixed income from only the XXXX XXXX.
I have spoken to my creditors about this situation and have asked for a little leniency while I get myself in better financial stability. This was not offered or respected from this company as they elected to have my only means of transportation repossessed for being 30 days late on a payment. I had to deliver a payment of {$730.00} ( {$320.00} for current and late payment, fee of {$9.00}, and {$400.00} for repo ) on a budget that is not forgiving of any mistakes. Having no vehicle would mean a loss that I would not recover from financially, so I paid what they asked. I am now on the verge of being homeless and my credit is shot so finding another apartment is extremely difficult.
Also, under Texas law, I am given protection from seizure by a creditor one vehicle for each member of the family with a driver 's license. I have no idea on how to deal with them when I try to discuss my options, to them it's pay-up or repo.
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| 06/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason : Identity theft Please remove it from my credit report.
Account Name : WESTLAKE FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove it from my credit report
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| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Upon purchasing vehicle at Dealership, XXXX XXXX XXXX financing company ; XXXX XXXX XXXX, Date : XX/XX/2022 Amount of collection ; {$1100.00} XXXX XXXX XXXX did not provide tags for vehicle that was included in deposit amount.
XXXX XXXX XXXX did provide products services to vehicle promised in agreement bringing vehicle purchased to depreciated amount as the damages at purchase depreciates the amount of the vehicle amount. I have contacted company to resolve this matter with written statements, requests, and images of product to verify concerns.
XXXX XXXX XXXX, transferred loan to Westlake Portfolio Management as of ; XX/XX/2022 Westlake Portfolio Management is harassing me to pay debt amount of ; {$1500.00} This consumer has furnished an account without my written instructions.
In accordance, with the fair reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights.
Westlake Portfortlio Management account # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.
15 U.S.C 1681 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have financed a vehicle with Westlake Financial Services I recently noticed that my full payments made dated from XX/XX/XXXX-XX/XX/XXXX were allocated to interest only, balance due from these dates remained {$15000.00}, I called Westlake Financial Services XX/XX/2021 regarding this issue with no resolve, I called again XX/XX/2021 spoke to 2 different customer service agents and still no one was able to tell me why. Today XX/XX/2021 I spoke to a representative that could only keep telling me over and over that my interest is charged daily from payment to payment but he could not tell me why these payments were all allocated to interest only. I asked for his supervisor and was transferred to the same person that I had spoken with XX/XX/2021.
My contract that I signed at the dealership states my payment is XXXX for 72 months, there is no mention of simple daily interest. The workers that I have come into contact with are rude and disrespectful, and laugh when I am trying to explain my issue the worst one so far was named XXXX XXXX ( represented him self as a supervisor ) refused to transfer me to a manager for further assistance
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| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I have been a customer of USAuto Sales coming up on 3 years in XXXX of this year. I have made all of my payments from the date of purchase, as it is required or they will shut the vehicle off. I sent them a request advising I had my own insurance through XXXX XXXX so that they could stop charging me for insurance, however they denied my request so I was paying for insurance through them and my regular company. Thankfully I did, because the insurance they provided wasnt active. They recently went out of business and have transferred our contracts without any notice to us to a debt collection company, how can my loan be sent to a debt collection company when Im current on the loan. The new company will not honor my gap or warranty that was included at the time of purchase in my contract amount. My contract amount was for {$17000.00} when I originally signed and purchased my car almost 3 years ago. When I check it through the new company Westlake, they say my financed amount was over {$22000.00} and i owe {$18000.00}! This is upsetting. I have my original contract and all my payment receipts. Now they are threatening repossession.
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| 06/22/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I finance a car though USA Auto finance company Payments are Due bi weekly been paying it for 2 years or more The finance company doesn't exist now as of sometime in XXXX there was no letter stating where or why US Auto no longer exist they sent it to a debt collector contacted them to see where I'm supposed to send payments no response. I received a letter that I oweXXXX to Westlake Portfolio Management . LLC they have that I've paid XXXX when I called the Westlake place the lady I spoke to could not find the account even though it was on the paper they sent .asked me for my SS # and name asked her why US Auto didn't send me something in the mail about them no longer in business she didn't give me any answers and why didn't it have what I paid already in the 2 years again no answer it was like I was talking to myself I have a contract with US Auto not Westlake I asked her who do I make the payments too she again no answer she told me to call the number I called and give whoever my card info she was silent with no answers Then had the the nerve to say Is that all for you today. I said no you didn't answer none of my questions.
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| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Upon viewing my credit report, I noticed that Westlake Financial Services had placed on my credit a XXXX separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from XXXX ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early XXXX XXXX , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.
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| 06/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Purchased a vehicle from XXXX XXXX in XXXX, New mexico. First time car buyer doing things on my own, they offered to get me in the car for XXXX down and claimed it came with a warranty. Turns out there was no warranty and they instead sold me gap insurance. They then told me after the 500 mile/15 day warranty that I was gon na get a call from the bank and that I had to say that I paid XXXX down and made more then I did or my car would get repossessed and i would get in trouble for committing fraud on my application after they changed the numbers. The car blew up less then 5000 miles later and I am stuck with 5000+ in repairs and a interest rate that is 6 % higher then they originally told me. The bank said they would delay my payment til the XXXX and I got a email today saying I'm 20 days delinquent and that I have not responded to their requests to reach me when I called them on 3 or more occasions. I was told to email them the vehicle diagnosis to be told they never received anything after 3 times of sending it. Im about to hit the 30 day late and don't want to get a repossession on my record when I was scammed into the car.
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| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I got this car from American Can Center on XX/XX/2023. At the time they told me they only had 3 cars on the lot because they were about restock. They never intended to restock they were selling all the cars with the intention to shut down the entire business. Although this loan is predatory in nature and numbers I still agreed to it because I needed the car. They told me that this lease could help improve my credit score. After making one payment to American Car Center, the following week on XX/XX/XXXX American Car Center abruptly closed down all operations. Since that time Westlake Financial has called and informed me that they took over the loans but couldn't provide me with tags because they never bought the titles from American Car Center and they were working on that. I have had this car 7 months and can not drive it due to not having tags. Also the car was broken into and nearly stolen because it's a targeted car being a XXXX which has a defect that allows them to be easily stolen. I can not get it repaired because there is no where to get it repaired due to the closure. What can I do to get out of this horrendous deal?
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| 01/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.
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| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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** This is not a duplicate complaint** Westlake Financials Services received a affidavit of truth and a cease and desist letter on XX/XX/2023 Westlake financial services violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. Westlake Financial Services violated 16 CFR 433.1 ( f ) which mentions what a " contract '' is and that is between the seller and the creditor. The retail installment contract that is linked to account number XXXX is not supposed to have our names on it therefore there should be no obligation to pay since XXXX XXXX XXXX was already paid on this contract. Westlake Financial Services violated 12 USC 83 which states no association shall make any loan on its own stock. Westlake Financial Services violated Texas title 4 subtitle A chapter 302 ( b ) which states the maximum amount interest that can be charged is 10 %. Any rate above 10 % in the state of Texas is considered usurious. On account XXXX we are contracted for 11.99 %. We were not made aware of our rights.
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| 11/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a vehicle from US Auto Sales in XXXX Georgia on XX/XX/XXXX which included a extended warranty. XX/XX/XXXX I was informed that US Auto closed and my loan was transferred to Westlake. When I reached out to Westlake about the warranty I was told that unfortunately mine did not get transferred. They then tried to sell me a new warranty under their company. I then tried different numbers I was given by Westlake and sent emails to three Westlake individuals concerning the breach of contract and requested either to get the monies back I had paid to Westlake since or find a way to get my warranty reinstated. I also stated I valued my credit and would be happy to continue the relationship if the warranty was still going to be honored. On XX/XX/XXXX Westlake notated my account as refusal to pay and put me as Cease and Desist. On XX/XX/XXXX my vehicle was repossed. I then received a letter stating they had repossed the vehicle, it would be sent to auction and I would be responsible for the balance of the loan not taken care of with the sale. On XX/XX/XXXX Westlake started to report my account as late and damaging my credit.
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| 09/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We purchased a car through XXXX XXXX XXXX that was financed through Westlake Financial in XXXX 2015. We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tage, I contacted Westlake Financial and asked if they could assist with getting the tile or if they had th etitle to the car. Westlake informed me that they did not have the title, but would be able to get it for me. They wanted me to sign some documents to suspend the loan payments. Three months after signing the suspension documents, I called Westlake Financial and spoke to XXXX XXXX and was told that the title had not been obtained. Westlake ten stated that they could pick up the car and at the time that they had the car in their possession, they would then mail e a check for my money. The Westlake agent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket osts so far - {$16000.00}. The interest rate on Westlake 's loan was : 20 % /.
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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adjustment in the settlement sent to XXXX XXXX for full payment of the vehicle declared a total loss on XXXX XXXX XXXX
proration of the difference in the insurance collection that was taken on XX/XX/, for a value of {$1400.00}, payment one year in advance and which is financed by westlake financial I am demanding the credit in the amount of XXXX since I only had possession of the vehicle for one month and Westlake Financial Services needs to adjust the amount in the final adjustment for the payment of the vehicle.
They have threatened me with going into collections when I am only looking for an appropriate adjustment to close this case, with no response from the financial company Westlake Financial Services.
I also find inappropriate and not correctly formulated the adjustment of the XXXX XXXX company by the adjuster XXXX XXXX, assigned on XXXX XXXX XXXX I expressed the situation to XXXX XXXX but he ignored my requests and refuses to answer my questions. calls and email.
I have tried to contact the adjuster on different occasions without receiving a response.
Also My claim number is XXXX and my policy number XXXX
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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I purchased XXXX XXXX XXXX XXXX XXXX car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through Westlake Financial I started paying Westlake Financial XX/XX/XXXX {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit 5 times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car Westlake Financial told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to Westlake Financial total I paid them {$27000.00} I also had XXXX Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires 1 month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company Westlake Financial had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
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| 06/16/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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On XX/XX/2020 I agreed to purchase a XXXX XXXX XXXX XXXX through XXXX XXXX. I was able to finance the vehicle for a purchase price of {$9700.00} through a company known as XXXX XXXX. I made my payments monthly to XXXX XXXX at a rate of XXXX XXXX. In total, I have paid {$110000.00} on the vehicle. At some point XXXX XXXX went bankrupt and sent the remainder of the interest payments to Westlake Portfolio Management with no notice. I did not sign any agreement with Westlake Portfolio Management, nor did I know it was a debt collector. I continued making payments on the vehicle up until last month. The vehicle is unable to function due to a part that has been discontinued by XXXX ( part number XXXX ). Without the part, the vehicle has been deemed unsafe to drive. I would like to settle out this account with the amount that has been paid on it, as I have already paid {$2000.00} in interest for a non-functioning vehicle. The company refuses to settle, so I would like to dispute the charge as I do not have a legally binding agreement with Westlake Portfolio Management. Please advise on how I should proceed.
Thank you, XXXX XXXX
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| 02/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced.
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing.
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain.
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I asked the 3 credit Bureaus to do a verification check on my account with Westlake Portfolio Management. They stated it was accurate. I conducted a thorough research myself and found improper inaccuracies on my credit reports. After they conducted and concluded their research. My balance is different, 2 says closed, 1 says open, the original creditor is not Westlake financial servicing. It Was US Auto Sales. Theyre 2 different servicing companies on my credit ( WPM and the WFS ). For the same company. In accordance with the fair credit reporting act Westlake Portfolio Management, has violated my rights. A states - I have the right to privacy - A consumer reporting agency can not furnish an account without my written instructions.
When the initial call was received, I was in the middle of purchasing a house through a mortgage company. I asked was this going to effect my credit. They stated that it would not. I checked later that week and realized my credit went down over XXXX XXXX points. I was never behind or late with US Auto sales. I have proof if needed. I really need them off my credit. They have ruined my life.
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| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This is the second time this has happened with this company. Their collection calls are threatening as well as when you make a payment, they do not apply to the late charges say you have to notify them that you are paying late fees as well, but in the meantime, they will allow charges to mount and then try to repossess for the late fees. I spoke with a representative on Friday ( XX/XX/2023 ) and let them know that I now get paid once a month the rep asked if I needed more time and I indicated that I did, he offered a payment extension and I also advised that I could make 2 payments on the 30th of the month. He said that would be ok and proceeded with the extension. The very next day on XX/XX/2023 another representative called, and I advised that I just spoken with a rep the day before and he stated because my arrangement wasn't an option that Westlake approved it was not acceptable, he proceeded to advise that my account was 16 days past due and up for review of repossession. He was very threatening, so I hung they have called nonstop since then. I have 16 more payments on this loan, please help me with this company.
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| 01/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
Servicemember |
|
Back in XX/XX/XXXX, I contacted Wilshire consumer credit at the end of the business day to request, heavily request, a few more days before they send a tow truck to repo my truck, which the lady on the phone agreed to give me a day to call them back with an update as to whether or not I can come up with a payment. However, the very next morning at around XXXX XXXX they repoed my truck. I also had borrowed money With interest from someone to make the payment. But, in addition to this now useless loan, I lost my contract with my customer, as I am a XXXX XXXX. And because I didnt have my truck, I couldnt pick up materials and get the work started, this resulted in the loss of a {$6800.00} deposit, which further resulted and not being able to pay the rent, as I am the sole income provider for a family of XXXX in the XXXX XXXX XXXX Area. The total contract price I lost out on because theyve got my truck is {$18000.00}. All in all, because of the repossession, it cost me over {$20000.00} in income and fees, just so they can repossess a XXXX Work truck. I had also very recently prior to this, concluded a massive bankruptcy.
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| 03/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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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.
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| 02/09/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Please refer to a previous XXXX XXXX, As of XX/XX/21 XXXX is threatening to sue me for an auto debt. I was deceived by using XXXX buying a used car with lots of miles. They deceived me by thinking I purchased Gap Insurance instead they sold me something else. Why would I purchased it if they car had lots of miles in excess of XXXX. It was in a car accident and paid off thru XXXX and the difference is what they are going after. Multiple times I tried working out a payment plan but they dont work with non profit credit organizations. They continued calling me and my employer took my phone away bc it was for business purposes. I am currently laid off so this intent to sue keeps me up at night. Its not a joke but my lively hood. I hope they would understand where I'm coming from. They have attempted to contact my previous employer so they are not happy about that. This worries me so much since I am trying to get my job back and this does not help my getting rehired. I can pay XXXX dollars a month, please take in mind it was never my intention to incur this debt with them. They are ferocious when it comes to collecting.
|
| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
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| 10/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
|
| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE PORTFOLIO MANAGEMENT. WESTLAKE PORTFOLIO MANAGEMENT UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2022 without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail XX/XX/2022 and it was delivered and received XX/XX/2022.
Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT.
WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt in the amount of {$1700.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX XXXX XXXX and WESTLAKE PORTFOLIO MANAGEMENT for them to lawfully reposes my automobile, there for WESTLAKE PORTFOLIO MANAGEMENT is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES.
I DEMAND WESTLAKE PORTFOLIO MANAGEMENT CEASE COLLECTIONS, {$0.00} OUT THE ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.
|
| 05/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
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|
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.
|
| 11/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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|
Web |
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XX/XX/XXXX I put in an application with WESTLAKE FINANCIAL on XXXX for a XXXX XXXX XXXX XXXX {$100000.00} XXXX. I was called and told I needed to put % XXXX down which is securities fraud as I traded a security for a money purchase loan yet did not receive funds for the loan pursuant to the EFTA. I as an investor into their company extended credit to them for Security Transfer Agent service and am not receiving benefit and am being discriminated against. Fiduciary duties are being denied per the Trust Indenture Act of 1939. The Securities Act of 1933, Securities Transfer Act of 1934 and the Emergency Banking Relief Act. Under WESTLAKE FINANCIAL 's SEC agreement they agreed too the, Equal Credit Opportunity Act, The Truth In Lending Act and the Electronic Signatures in Global and National Commerce Act. 12 CFR 1002 Regulation B, 16 CFR 433.1, 16 CFR 433.2. 12 USC 412, 15 USC 1691. If my application will not be properly administrated per Law, I will run a Securitization audit on said application and contact FINRA for securities fraud.
XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I Was in a bankruptcy. I asked the judge and West Lake Financial if i could have permission to pay the auto loan outside of the bk. I wsas given permission to do so and paid every payment. On XX/XX/2023 I made a normal payment. But when I called in to make my XXXX payment on XX/XX/XXXX I was told they charged it off on the day before on XX/XX/2023 merely 2 weeks after i made my last payment. The auto company ( West Lake Financial ) wouldn't let me make a payment on XX/XX/XXXX as they stated they charged it off on XX/XX/XXXX the day before the payment was actually due. Westlake states they charged it off in error as i came out of XXXX but their system did this and they didnt know how to fix it. They could see it was an automatic system issue. But no fixing that now. So they told me they had no choice but to reposes the vehicle. My Vehicle was picked up Wed XX/XX/XXXX. I tried to make the payment at least 5 times in XXXX and was denied. This has caused a major hardship. I reached out to the owner XXXX XXXX via email on the XXXX of XXXX for help to rectify what their issue was but to date have had no response.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
|
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After credit denial from application on XX/XX/2023, I emailed Westlake Financial to have them return my original application or release access to my credit with mention of the Equal Credit Opportunity. The email response was that they " Disagree with my interpretation of the statue ''. Next, I emailed them back ( Title VII Equal Credit Opportunity 502 findings and purpose, Title VII Equal Credit Opportunity 702 definitions ( d ), ( e ), and ( f ), also 15 USC 1602 definitions and rules of construction ( g ), and ( l ), also The Federal Reserve Act Section 16 Note issues- 1. and 2., also The Federal Reserve Act Section 1 short title and definitions- 1., 2., and 3., I emailed them a Notice of Claim to Interest as the Agent for the Principal. They responded only that my ticket had been closed. Then, on XX/XX/2023 I sent a Certified mailing ( return receipt ) to one XXXX XXXX, CFO Westlake Finacial with the same Notice as " Default Judgement for Nonperformance '' along with a copy of the original application and copies of all the emails mentioned. As of XX/XX/2023 @ XXXX XXXX I have yet to receive a response.
|
| 07/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I XXXX XXXX has purchase the loan XX/XX/XXXX with a contract for 48 months term the price of the XXXX XXXX XXXX {$12000.00} with a {$1500.00} down payment. i Contacted westlake financial services several times which they stated that the payments was posted to my account which i haven't received any balance reduce. I haven't missed any of my payments during the loan, i was sending my payments through XXXX XXXX, drafted out account, and other payments method that was require. So i contacted the director of compliance XXXX XXXX XXXX he took a look at my payments history and stated it was credit it to my account. So i contacted a lawyer and the Federal Trade Commission they alert me that it was fraud against the company, i then contacted XXXX XXXX it show proof the westlake financial services was wire my money to the dealer account and i wasn't getting any credit to my account that why my balance remain the same and the dealer confessed that the company was wiring customers money to his account which wasn't getting credit to their account. Also the company was reported as a scam and over charging customers.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation.
Thank you for your assistance in this matter,
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
This company falsely repossessed my vehicle after Ive made my payments timely. They racked p additional charges and late fees and despite me making a payment to bring my account current within less than 30 days of delinquency they repossessed my vehicle. In order to get the vehicle back I had to pay over {$1200.00} in tow fees and processing fees. My husband lost his employment due to COVID and we are down to only 20 % of our normal income. We explained this to Westlake several times and yet they refused to work with us. The greed and inhuman acts of this company should close their doors for good so they cant take advantage of consumers. They are inflating interest, penaltys and fees to gain more profit and that is just simply wrong during these hard times. At this time I would like a full refund for vehicle. The damages caused by the tow company broke the alignment and caused additional damage to vehicle that we can not afford to fix. I would like a full refund of {$9600.00} for the amount Ive paid for the vehicle, plus repossession fees of {$1100.00} and additional penaltys of {$20000.00} In damages.
|
| 10/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
In accordance with Fair Credit Reporting act. The account listed below Westlake portfolio XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
|
| 10/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I purchased a car in XXXX XXXX, and it is financed by Westlake Financial. They called me and my employer numerous times, to the point I had to tell them I would be written up because due to confidentiality we are not allowed to receive personal calls in the job. They continued to call. They requested all types of documents ( that I did not have to provide when purchasing a home or any other vehicle before )!
My payment is due on the XXXX of every month, but I have a 10 day grace period before I am late. However, on the XXXX they begin harassing me and will call my phone 3-5 times or more everyday!! I have told them I am NOT allowed to receive personal calls on my job and to contact me by email or postal mail & ONLY if I am past due ( after the XXXX )! I have NEVER been past due & they still call back-to-back!! Ive tried blocking them and they will call from various numbers, now early in the mornings or late at night ( even on Saturday & Sunday )! I have asked my car salesman to trade this vehicle or refer me to someone for refinancing because I have NEVER been harassed by anyone like this before!!
|
| 04/02/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Westlake Financial reported a late payment on my credit when their online payment system showed that there was no payment due. I had paid a large lump sum of payments in advance that covered several months, but their system showed that no payment was due for that last month of XX/XX/XXXX but yet I still got a 30 days late payment reported.
I called and told them that their system showed me otherwise and also asked even if I was showed to be running late on their end why wasn't I contacted in any way. They said I was added to their no-call list and I said I gave no authorization to be added to that. All the woman said was that " I somehow must have told someone " yes '' to be added to it '' But I have never spoken to them over the phone since I had started my loan in XXXX. I asked for proof of when I asked to be added to the list and it could not be provided. Nor could they explain why their system showed me otherwise, all the woman said was that " I should have been aware '' They refused to take any responsibility for their shortcoming and I had to unfairly pay the price for something avoidable.
|
| 07/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I found information on my credit report which is inaccurate and incomplete, so I did contact the original creditor ( Westlake Financial Services ) through the help of an adviser for them to provide me documentation to proved that alleged car loan belonged to me. Such documentation requested were the complete copy of the loan contract dated and signed by me with all pages including the sticker which is part of the contract. I also requested the letter they allegedly sent that provides me with my right to redeem the vehicle, the notice of deficiency/surplus and the right to cure and reinstate the car loan.
As you very well know, I am exercising my rights to request such documentation directly from the original creditor per section 623 of the FCRA, a federal law, a duty of furnishers of information to provide accurate information.
I did send two separate letters requesting such documentation more than a month separate and I am yet to receive any response from Westlake Financial Services after 90 days have passed. They completely disregarded my request.
Thank you and hope to hear from you soon!!
|
| 07/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.
|
| 08/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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USASF Us Auto Sales finance company gave me a loan in XXXX of XXXX and I have made payments on all the loan due dates thru XXXX of XXXX. USASF shut down and I tried to continue getting payments to the correct lender and asked for a copy of my contract which I have yet to recieve from US auto sales. I have never missed payment and financed a warranty and GAP coverage into my loan that I am being told by the warranty company XXXX told me is no longer valid. My car was shut off by USASF several time even though my payments were made on time. I have been trying to get my contract information but a new company Westlake portfolia says that I owe more than my balance and will not give me a copy of my original contract. I should not be making payments on a loan that I did not get coverage for GAP or warranty even though I paid for those services. I need help getting my car information updated. USASF marked my loan on my credit report was paid in full. Westlake has not validated the debt and I am not comfortable paying on a loan that has been marked paid in full and has been removed from my credit report.
|
| 04/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I am writing to file a complaint against Westlake Portfolio Management, a debt collector who claims to be servicing my car lease from American Car Center, a dealership that filed for XXXX XXXX bankruptcy in XXXX of XXXX. I was previously paying my lease payment to American Financial, who as far as I know, is not in bankruptcy.
I have attempted to request debt validation from Westlake Portfolio Management through email on XX/XX/XXXX, and also over the phone on XX/XX/XXXX. During my phone call, I also requested a copy of my original contract, which the representative assured me would be sent to me by email. However, as of XX/XX/XXXX, I have yet to receive any documentation from the company.
I am concerned that Westlake Portfolio Management may be attempting to collect a debt from me that I do not actually owe. I am hesitant to provide them with any payments until I have received proper validation and documentation of the debt.
I would appreciate any assistance or guidance that the Consumer Financial Protection Bureau can provide in this matter. Thank you for your attention to this issue.
|
| 08/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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This Auto loan was actually taken out with XXXX XXXX XXXX in 2017 and payments have NEVER been late until the COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on XXXX XXXX website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to XXXX XXXX through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported XXXX XXXX to XXXX XXXX XXXX for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with XXXX XXXX XXXX and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why XXXX XXXX is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.
|
| 11/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.
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| 02/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
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I got my loan in XXXX XXXX on my XXXX XXXX XXXX. Payments were to start in XXXX for {$100.00} per month. I setup auto pay so it would come directly out of my account, however I ended up in the hospital for about a month and during that time they hit my account twice. Since I wasn't working and in the hospital there was not enough money to cover the payments. Why I was in the hospital, the apparently repossessed my car for the {$210.00} I was behind and by the time I found out it was taken, they had already sold it at auction. They sent it to auction on XX/XX/XXXX. I was 2 payments behind. I received no notice, no information from them saying they took it and by the time I tracked it down, they had the vehicle for 3 weeks. On Monday XX/XX/XXXX I made arrangements to pick it up on Friday XX/XX/XXXX with the agent who called me. I received another phone call from XXXX on XX/XX/XXXX who works for XXXX, the collection company for Wilshire Consumer Credit and I told him I would be getting my car Friday and I already made arrangements with them. He then informed me that they sold my car that day.
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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|
I have tried to reach USAuto via phone. This number I have always called to make payments over the phone every two weeks since purchase on XX/XX/XXXX. That number is XXXX. Stock # XXXX. No answer. I received a call from a company named WestLake Management. They told me that US Auto has gone out of Business and they have bought all of their contracts. And you currently owe $ and how would you like to make that payment today. I told them I do not know anything about US Auto going out of Business at that time. And you taking over my car loan. I told them for a XXXX, the car should be paid for by now. Every two weeks and when I got paid three times in the month, they expected a payment or the car would be disabled unable to drive. I want to file this claim because US Auto failed to communicate, as of today XX/XX/XXXX anything relating to WestLake Management. I have not received any correspondence from WestLake in writing regarding Business to Business for my account. WestLake has verbally threatened to Reprossess my vehicle. I do not know the Legitimacy of this company. Could be a SCAM!!!
|
| 07/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
My car loan finance company changed in XXXX. The company I originally financed my company with closed.
I financed a XXXX XXXX XXXX.
I financed the car for XXXX. My payment amount is XXXX with a 25 % APR for 50 months.
The interest and principal on the loan is supposed to go down each month. However, the amounts are inconsistent. Some months I'm not charged a principal, just interest. Some months the the interest exceeds the principal. ( Please see the document attached below. ) I have called customer service on numerous occasions and none of the customer support representatives or supervisors can explain the variations and why the amount still owed on the loan is still XXXX when the finance amount was XXXX.
I have requested that my original contract be provided to me with various reps and no one is willing to provide me with those documents.
I believe my principal and interest charges are incorrect and that they have been overcharging me and nothing has been paid towards the car loan because they have excessively continued to overcharge me with principal and finance fees.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
XX/XX/2021 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX IL. The dealer was given a {$7500.00} down payment and financing the balance was acquired by Westlake Financial Services, XXXX XXXX CA. I was disappointed with the percentage rate offered of 10.9 % despite my credit score of XXXX. Upon closing deal, the vehicle was driven to local gas station for fuel. The vehicle engine light appeared leaving station. The dealer, XXXX XXXX was notified about engine light. The vehicle needed 4 catalytic converters in which the dealer agreed to repair. West Lake Financial as lienholder held dealer payment until repair completion. XX/XX/2021 I picked the vehicle from dealer 's contractor, XXXX XXXX XXXX, XXXX XXXX IL. Westlake Financial Services was immediately notified of repair completion. Shortly after, I received calls to return vehicle from dealer. XX/XX/2021 the vehicle was returned the dealer and down payment refunded because Westlake Financial Services cancelled contract. I have not received written notification for the denial of financing when I have a XXXX credit score.
|
| 11/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On XX/XX/2021 I purchased a vehicle and was financed through a 3rd party bank. On XX/XX/2021 I sent an affidavit to this company and on XX/XX/2021 it was delivered. I have not received a response as of XX/XX/2021. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to CFR and USC. The first item was that the finance charge did not include the sum of all charges directly violating 15 usc 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1300usd ) in order to be approved for this loan which is in violation of 15 usc 1662. The notice provided in this contract was also incorrect pursuant to 16 cfr 433.2. With these discoveries pursuant to 15 usc 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 usc 1635 ( a ).
|
| 10/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
WESTLAKE contacted me about a payment arrangement I which they were not I favor of but during my contact, I told them I contacted couple of dealership in favor of a trade in. The very next day they went and put the vihicle as a repossession at the credit bureau. I did not know until one of the dealers showed to me. First, so if you put it up for repossession why am I getting extremely upsetting calls with threatening tactics even after XXXX XXXX. I refuse to talk with them. I have consulted a bankruptcy attorney to proceed with court case. They are listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and TH all came at XXXX they need to Tran their people better in the laws of collection. The vihicle has two recalls and a front end issue that I was trying to resolved before my next payment was due, since the cost was {$1500.00} dollars or greater. They need to have a person to speak with for issues like this not some collection person who think they can anything that is very threatening to the consumer. Phone call received from number XXXX XXXX XXXX XXXX XXXX at XXXX central time.
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
|
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On XX/XX/XXXX at XXXX XXXX I contacted westlake financial about my late payment on my car loan. I had circumstances that made it impossible for me to make this payment on time. I explained what this was and Told them I could make the payment on the XXXX, which would be 24 days late as it was due on the XXXX. They agreed to this and set up a payment for the XXXX the XXXX I was contacted by the dealership I bought the car from saying that the bank defaulted on my loan and they were repoing my car. My car was returned that day. on the XXXX XXXX XXXX processed the Payment!!!. So I got ahold of them and they did nothing to resolve this.
It is evil what they did to me. That XXXX XXXX was all the money I had in the world. And the truck I bought with my livelihood and they took them both. After professing that they understood my circumstances and set a date for me to make it right so that I didn ; t lose either. Isn't a verbal agreement binding in a case like this? I lost my job because I couldn't make it to work after this happened.This was wrong. So unethical. And terrible business.
|
| 03/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I leased a XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX putting a down payment down and making payments on time. It was an in-house payment center with XXXX XXXX but recently they completely closed on XX/XX/XXXX. I was not made aware by email, phone or mail about the company closing. I cant call a customer service line or make online payments as it is closed permanently as well. As a consumer I should have been notified about this financing company closing. Online I am directed to a website called XXXX XXXX XXXX which is a debt collector. I am not in debt with American financial. Their company was closed because they are in debt. My account should not be transferred to XXXX XXXX XXXX without my consent in a contract with my signature on it. XXXXXXXX XXXX XXXX does not have license to work in the state of South Carolina. I should be able to get back all my payments made to American financial in my down payment is well. As I have been researching, it is illegal for a company to receive down payment on a vehicles once I have given my name ssn and other information. Please help me.
|
| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I requested something as simple as a goodwill adjustment to be done on my account back in XXXX by an email that I sent to Westlake corporate office & letter I sent to their their XXXX XXXX branch, both letters were ignored until I sent the letter directly to the customer service team on XX/XX/23 regarding an issue with them charging me for a returned payment that was actually paid from another card that I had on file. I asked for the goodwill adjustment due to an SBA loan that Im trying to acquire to pay off the remaining $ XXXX on my car loan & to be able to save my small business, I only asked for one payment to he adjusted due to some mistakes I made earlier in the year due to the COVID pandemic. I have been consistent with my payments since the first 2 30 day lates I incurred. Im not asking to skip payment or anything special, just a goodwill adjustment & will give my continued consistency with paying on time. Even as a person with a XXXX Im not making excuses, but I really dont want to have to end up going back on XXXX after working so hard to maintain 2 years in business
|
| 09/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
In XXXXXXXX XXXX XXXXXXXX the company I leased my vehicle from closed down and filed bankruptcy without proper notification of. My vehicle was repossessed on XXXX XXXX, XXXX. Ive been asking for documentation on the repossession and have yet not received anything. They hang up on you they XXXX you out. Even told me that my mom was a XXXX. And hung up. They are very rude and unprofessional. About a week ago they reported on my credit after they sold the vehicle. I just spoke with Westlake Portfolio Management today to find out they sold the vehicle for {$5400.00} on XX/XX/2023. How are they able to report a vehicle to my credit report that I have a contract with another company. Once American Financial Closed down my vehicle needed a 3rd engine. I replaced that engine and know Im out of a car and {$3000.00}. This is fraud to report something to my credit report after you sold the vehicle. They refused to give me documentation of the repossession. They didnt report the repossession to the local sheriff office or anything. This is fraud and this company needs to be closed down.
|
| 07/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried to contact Westlake Portfolio, LLC about my auto loan since XXXX. I reached out to them by phone and written notification to try and obtain a copy of my original contract the my auto loan creditor gave them once they permanently closed. Westlake has had my account for almost 2 months and claims that they have not received my contract or my title from the original creditor but they continue to charge me unrelated fees for my loan and sending letters with the incorrect amount that I owe. I tried disputing the amount because it does not match what is reported on my credit, the amounts are significantly different. Westlake says I owe more than my credit history actually shows. I tried to make a final attempt to obtain the proper documentation so I can know how much I owe on my loan but they have refused to give me anything but keep adding fees to my monthly payments and demanding that I pay more than I actually owe them. They sent me a letter threatening to put my account in default and repossess my car if I didn't pay them the extra fees that they claim I owe them.
|
| 08/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This payment should be applied to the outstanding 'fee ' of {$99.00}. Understand this fee is fraudulently applied to my account, as the overpayment from XXXX XXXX satisfied all outstanding 'fees ' accessed to my account. XXXX XXXX ; following an overpayment, the agent advised the next month payment XXXX XXXX XXXX XXXX of {$190.00}. My records reflect no late payments, and no short payments calendar year XXXX ; despite this, Westlake accounting is has accessed to my account these fees, in part to the phone agent erroneously allocating overpayment to the principle ; rather than credit as requested. I have debated this since XXXX XXXX, and repeatedly requested management review the call that began this fallacy. Westlake refusal to accurately investigate and correct their mistake is absurd.
This is my formal grievance. The process is flawed, accounting is flawed and sincerely do not appreciate being placed on hold 63 minutes by the supervisor ; waiting to speak to XXXX XXXX. Further being told by the supervisor " It is what it is '', completely unprofessional and inappropriate.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues. Also, I have verified my identity multiple times. They have been done
through the phone, mail and fax.
The following are dates that I have tried to communicate and I will be attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
|
| 05/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am in the XXXX XXXX and I had my repossessed car returned to me. I agreed to the terms of the loan being rewritten under the new interest rate of 6 %. I have added my mother to my loan to manage it. I sent the email to XXXX XXXX he confirmed that this took place. My mother has made several calls to pay my loan with no luck. I will soon have a late fee and a ding to my credit due to her not being able to make any payments. I was also told that my loan started over when the car was returned to me which did not happen. There was also extensive electrical damage done to my car in which I have forwarded some of the bills to XXXX XXXX. He said that he would call us back to settle this matter but never did. My mother called this past week and spoke to XXXX XXXX and was told Im busy right now Ill call you back which he never did. All we want to do is have this loan rewritten as agreed and make a payment. My mother is the only one who can do this until I return from training. I was also told that the repo that appears on my credit would be taken off and that has not happen either.
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchased new XXXX XXXX XXXX back in XXXX XXXX XXXX from Westlake Financial. Due to my divorce I lost my home and my credit went downhill. I had no choice but to purchase this car. I believe the interest rate is at 26 %, I recently looked up how many payments I've made since I've purchased the car. I have made over {$17000.00} in payments since XXXX of XXXX. My balance is still at {$16000.00}. How could this be? I need help. I am on XXXX and I can not afford to keep making these payments. I feel I've been taken advantage of. I have made my payments on time except for when my payment date was changed at my request and the payments apparently were 30 days late. I also had to defer a few payments. But as the creditor can see I have been extremely consistent in making monthly payments of {$450.00} a month. Now being XXXX XXXX XXXX and on XXXX. I need all the help I can get. I have contacted Westlake Financial and they said they don't refinance. I went to XXXX XXXX XXXX where I originally purchased it to maybe trade it in but they would not do this. Please help.
Thank you
|
| 01/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment??
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES.
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX .
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.
|
| 10/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Account with XXXX consumer credit opened XX/XX/XXXX, of which XXXX of XXXX term payments were made and reported to all three credit bureaus. XXXX never adjust on credit report. XX/XX/XXXX the vehicle was repod and sold for XXXX XXXX XXXX XXXX for {$500.00}. Then XXXX reported ( Falsely ) a payment was made of XXXX in XX/XX/XXXX by me to extend the collection life of the account then sold it to XXXX XXXX. Who made a hard inquiry on my credit by posing as a creditor.. all three credit bureaus and provided false information in an attempt to mislead and misinform the credit bureaus.
I have all proof of payments wilshire will not provided any statements and the credit bureaus XXXX XXXX, XXXX and XXXX will not update my account accurately. I would like it removed. I have disputess this and they all refuse to investigate it properly. How is possible to make XXXX of XXXX payments and still have same balance as the beginning The only company I have done business with is wilshire consumer credit. No other contracts.
Uploaded screen shots of all 3 credit bureaus different info.
|
| 10/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This collection agency violated my rights by reporting inaccurate information on my credit report also by not sending documentation to me of the debt therefore I had no acknowledgement of it. The law is Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I contacted my original creditor us auto sales before the closing to advised my phone was stolen & provided my updated address, phone number, & email which I never received any communication on from westlake or the transfer. XXXX XXXX XXXX XXXX ga XXXX, XXXX, email XXXX .Therefore is a breach in contract & violation to my rights. Westlake did not send me any communication or notification that my loan was sold or any attempts to collect, dispute or notification at all. My first letter from westlake was received today XX/XX/2023 after it was forwarded to my new address however westlake picked up the vehicle yesterday on XX/XX/2023
|
| 09/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Westlake Financial has repeatedly called using different numbers from their call center in an attempt to mirror local numbers ; some of which are similar to my children 's school numbers. This stops me from working so I can answer the phone to see if family in my area code are OK, only to have it be a collection call. Additionally, on this last call, they never told me it was an attempt to collect a debt, did not disclose who they were prior to asking me for verification information, and then told me they were going to intentionally notate my account incorrectly because the woman didn't like my answer to a question. When asked why the account was 20 days late, I stated I didn't know because my wife pays it and she told me she made payment. She said, I'll notate that as non-responsive. I attempted to clarify it with her, and was promptly disconnected ( non-aggressive on both ends ). When I called to talk to a supervisor and asked for my notations, they told me I can't have them and to have an attorney contact them, and they will forward it over to their legal department.
|
| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hi, I'm not quite sure what's going on but something doesn't seem correct about this account. There is no way that this account is mine because it showed that the account was open then closed down. Something seemed so awful about this account and the way it's reporting. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.
What I am disputing : The account you have reported to the thre
e credit bureaus. My basis for this dispute is that I have no knowledge of this account.
If you wish to send me documentation that you will remove this account from my credit report, that is all I will require.
Otherwise, please provide me with your documentation showing that this account does indeed belong to me.
Please send me copies of the contract used to establish the account with my signature on it.
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Sincerely yours,
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I was given a pre approval from my credit union, XXXX.
The dealer, XXXX XXXX said it was not an approval and they set me up with Westlake Financial. The car was XXXX I put XXXX cash deposit. They said they had to hike up the amount of the vehicle because Westlake charged them a dealer fee so they made it look like I was paying XXXX for a warranty. The total to be financed ended up being almost {$18000.00}. Four days after I took ownership of the vehicle the alternator went while I was driving and I almost had an accident. The vehicle was towed to the dealer and I told them I want my money back. The dealer is refusing and Westlake says it he alternator is not a big deal. I then told Westlake I want to do a voluntary surrender and they said I have to make a payment before I can do a voluntary surrender.
I feel like Westlake and XXXX XXXX ( the dealer ) is working together and no one is taking my situation into consideration. I went to the XXXX and the dealer lied. I went to the XXXX attorney General and I was basically told too bad because the vehicle has XXXX miles.
|
| 11/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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In. XX/XX/2019 my car was repo and should not have I provided to creditor that 2 payments had been deferred and that made me current only behind 10 days once they seen the mistakes and asked me to pay a percentage of fee of repo and I explained I was not at fault that they made mistakes cause they could not read notes on account To begin with it was a wrecked car and a flood. Damage vehicle and mildew I let dealer ship know they refused to help I notified bank they told me I would hear from the correct department they were also notified of the car lot only reported some of down payment not all and were altering documents to get loans pushed through once I was aware. I let it be known I did not pay my first payment cause I new it would default and they would have to close loan and refund me instead dealer ship paid it and I notified field bank that was in the notes and still nothing the car was fraudulent by XXXX XXXX XXXX and the sales man harassed me and it was brought forward so the marketing man over that area started changing notes on my accounts and I have proof
|
| 05/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
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Web |
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Title company made aware of my severe financial XXXX XXXX in XX/XX/XXXX & multiple times after that date. I asked to negotiate with lender for a payment plan ; per the lender, i was not eligible until I paid several more monthly payments. I requested, again, after approximately XXXX months to work a hardship payment plan for me - denied. XX/XX/XXXX, I insisted on my lender to help me due to my financial hardship worsening. They stated they can not do extensions or defer my payments due to my XXXX agreement and denied XXXX loan from them. I told them the payment is to much money/month and can not afford to pay all & offered partial payment for monthly payments. They declined my request and stated if I am XXXX days past due, I will have my car repossessed. Note : I HAVE NOT MISSED ANY PAYMENTS & NEVER LATE.
This complaint is to ask for assistance with an uncooperative lender knowing my severe, financial hardship and crisis. Please help. This is XXXX to prevent car repossession.
Also, I have applied to XXXX other secured lenders for refinancing options- denied.
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| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I been financing a vehicle from XXXX XXXX sale located here in XXXX Mississippi! Ive had my car two years but XXXX sold my account to a business called XXXX XXXX XXXX XXXX I have spoken to several representative about my auto loan and my balance! When they switched companies my payments wasnt transferred from XXXX so its looks like I still owe more than I should! They are over charging me for this vehicle and I know for a fact my balance should be a lot lesser than I see! I have asked them to check my balance because I dont owe that much on my car! These people are taking advantage of the community with this undisclosed interest amount and not seeing my balance go down at all! Just giving an estimate looks like Ill be almost paying {$23000.00} for a loan that was only supposed to be close to {$16000.00}. They are also reporting false amount of payments on my credit report that Ive asked them to correct. I just need help so these people can stop taking advantage of the community/myself! We need to be heard about how these dealerships are messing over their customers!
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| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX of XXXX I got a car lease through American car center and XXXX XXXX which is their in house finance company. On XX/XX/XXXX American car center and XXXX XXXX ceased all operations and closed down. On XX/XX/XXXX I received an email from XXXX XXXX XXXX that stating I was to make my payments through them now which I could understand if they bought the company or whatever happened but what I dont understand is XXXX can not provided with any contract or anything stating I legally pay them for a lease I had with XXXX XXXX now. And also in my contract with American car center and XXXX XXXX in states that any modifications were to be made then it would be done in writing and me and the assignee would both have to sign and that never happen. XXXX cant not give me any information besides what my payment is and that they wont be to pay it. Ive asked on serval occasions if I would get a title after I finished and was told they didnt know and then to top it off my they changed my monthly rate and made it to were it will take me at least 5 years longer to pay the car off
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| 09/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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WESTLAKE FINANCIAL SERVICES is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE FINANCIAL SERVICES. WESTLAKE FINANCIAL SERVICES ARE THREATENING TO UNLAWFULLY REPOSSESE MY AUTOMOBILE ILLIGALLY ON XX/XX/2022, if I don't pay this ALLEGED DEBT, without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail and it was delivered and received XX/XX/2022. Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. WESTLAKE FINANCIAL SERVICES is attempting to collect a debt in the amount of {$480.00}, there is NO CONTRACTUAL AGREEMENT between XXXX XXXX XXXX and WESTLAKE FINANCIAL SERVICES for them to lawfully reposes my automobile, there for WESTLAKE FINANCIAL SERVICES is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. I DEMAND WESTLAKE FINANCIAL SERVICES CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.
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| 04/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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The dealer I purchased my car from " mistakenly '' added an optional warranty or coverage in the amount of {$1500.00}. I reached out to Westlake Financial Services to cancel it on XX/XX/22, I received written confirmation of the cancellation on XX/XX/22. I was told the amount would be credited to the loan. I noticed a partial amount was issued, I believe around $ XXXX {$500.00}. I was later told the dealer was to issue the remainder to them and then it would be issued. I followed up several times and was told the they could not reach the dealership, sounds like a personal problem since the remainder had to be paid to them. A few months later I informed them the dealer was gone, there were no cars in the lot. I was thanked " for providing the information '' but they did nothing. Several calls and emails later and each time I was told the issue had been " escalated '' and here were are, a whole year later and nothing had been done. They no longer reply to the emails and the remainder was never credited to my loan. I have copies of the emails should you require them.
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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I have requested the following information from the company that is claiming to own a debt that I never agreed upon with them as a creditor : 9-506. - EFFECT OF ERRORS OR OMISSIONS.
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I did have a car loan with HONOR Finance that was paid as agreed from XX/XX/XXXX - XX/XX/XXXX. Westlake is reporting that I opened an account with them in XXXX of XXXX ( to my Credit Report ) and that there is a date of last activity in XX/XX/XXXX. There has never been any activity with Westlake Financial and an account was not opened with them in XXXX of XXXX.
The company is stating that a repossession occurred with their organization based on a loan that I agreed to pay with them which is simply not true. The above requested information in regards to said repossession has NOT been provided to me. I have also requested the signed Retail Loan Agreement stating Westlake as my lender.
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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I contacted Westlake Financial around XXXX, to voluntarily repossessed my car. They agreed and contracted with a company to picked up the car. I was sent a letter within XXXX business days, informing me that car will be sold at XXXXuction on XXXXXXXX. I was told that after the auction is complete I was going to be informed if I am owed any money or entitled to any refund per law. Its almost XXXX weeks and nothing, yet they are still expecting me to pay {$1000.00} XXXX month and still continues to harass me regarding miss payments even though I have expressed to them that I can not afford that type of payment anymore. I did reach out to customer service a XXXX ago, a representative expressed to me, saying stuff like ( " these things take time to resolve '' ). I did ask the representative to send me any documentation regarding the sale of the auction in writing and as of XXXX XXXXXXXX, I haven't received nothing from them.
I really want to get this resolved as soon as possible, Westlake Financial can be reached at XXXX ) XXXX. Your help is greatly appreciated.
|
| 01/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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XXXX XXXX XXXX reposed by car on behalf of Westlake Financial- I never received no letters, no phone calls etc. so while I was visiting my daughter with all of my belongings in car including my purse and my daily medication- was taken out of my daughters driveway. I took care of the issue immediately by making a payment, however no car, no purse, no medicine. I have talked to 10 people at westlake and attempted to call XXXX all day, in order to at least get my medicine. Finally after holding 60 min and then being told that I would have to do a callback someone called me 6 hours later, I asked about my medicine. I was told by the rudest person I have ever spoken with. That the lot is open by apt only and too bad for me. I have witnesses to the call. I said I need my medicine and again was told not her problem. So I am once again on hold with them. I am XXXX years old and quite disturbed by this and not one person will help me. By the way the confirmation number for my payment is XXXX I was also told by the XXXX XXXX XXXX that Westlake did not send anything over-
|
| 11/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I purchased a car at car central dealership and I had placed {$3100.00} as a down payment and west lake financial is the bank that gave me the loan but I never received any mail or paperwork with my loan account number nor a call, I called the bank but they said I had to wait till I received the mail but never did, I finally obtained the information I needed and was unable to make my first full monthly payment, I did a partial payment but scheduled the rest of it for the following week.
Then the dealership called and said to bring the car back cause they somehow bought it back but the bank never called me to let me know, I had told the dealership i scheduled the rest of the payment but said it didnt matter cause they owned the car at the moment, I was never told or read any paperwork by the bank or dealership stating I had to make the first payment in full and on time. They still took my monthly payment out of my bank account and took the car back. The person we spoke to also said he was going to give us some of the money back and when we went he refused to.
|
| 11/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below.
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX ....
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX.
Status Details : This account is scheduled to continue on record until XXXX XXXX.
This item was updated from our processing of your dispute in XXXX XXXX.
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Due to covid from 2019 going forward i was unable to manage a car payment. I didnt know that by giving the car up they would process it on my account when I was able to make arrangements once I found a job when I gave the car up they sold the car at the auction for close to {$3000.00} they didnt apply that balance to the loan so now its like Im back paying for a car from its original payment. I should not be responsible for paying the amount that I purchased the car for what type of unnecessary fees through Westlake financial services they have taken me to court and try to make it seem like they didnt sell the car on top of the mega payments, and still XXXX on saying that I owe almost {$6000.00} that has been reported to the credit. They also offered me to pay {$1000.00}, but they want it all at once and I afford XXXX that I was not able to give it to them all at once. However, I can break those payments up because I had just begin working again. They stated that they can not take the XXXX dollars then out of nowhere I receive a letter in the mail for Court.
|
| 07/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
Older American |
|
XX/XX/2021 i received email saying go to car dealer you approve XX/XX/2021 this is what happen to me Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This Company Provide car loan to peoples that has low credit scores, The are connected to XXXX a web site that advertise cars for sale, On the site it show a pre approve letter it sends to your email show that you are pre approve and tell to contact the dealer, I found out this False advertising, and they was just giving me the run around saying i need this and multi different thing which i allready had gave the dealer, I was willing to put a down payment of half the car price, Maybe they do not work with XXXX-American and they are treated different, I I never been so humiliated in my life by westlake. they could see my bank statement That i could pay for the car in cash no financing. They wanted my physical bank account number with all my financial information expose to the dealer employees, I could not help for thinking that westlake or the Dealer going clean my bank account out, Horrible
|
| 12/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was in an auto collision where my car was totaled. The individual who caused the accident was sued. The financier throughout the entire ordeal played games. Didn't want the car, let it stay at the lot etc. The Financier got money from the settlement between the attorney and individual sued, the financier has tried attaching this to my credit to ruin it, which has already been handled, to which I have partially recovered from. I have already filed a complaint against this company with the FTC for phone harassment, I wish for this company to stop contacting me. After I filed an FTC report for them to stop contacting me they took retaliatory action against me " I feel '' as a consumer, and I also feel this is continued harassment and retaliatory action as consumer and I wish for it to stop. I want all business between me and the individuals running it to cease immediately including MAILED statements.
I will happily file another FTC complaint, and the submit paperwork I have regarding the legal suit, and the bill with zero information. They have been paid.
|
| 07/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
We purchased a car through XXXX XXXX XXXX that was financed throug h Westlake Financial i n XXXX 2015 . We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tag, I contacted Westlake Financial and asked if they could assist they had the title to the car. Westlake informed me that they did not have it but would be able to get it for me, if I signed some documents for me. After about 3 months, I again called Westlake Financial and sp oke to XXXX XXXX and was told that the title had not been obtaine d. Westlake then stated that they could pick up the car and at the time that they had the car in their possession, they would then mail me a check for my money. The Westlake a gent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket costs so far - {$16000.00}. The interest rate on this loan was : $ 20 %.
|
| 04/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
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.
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
My co-signer and myself went to purchase a vehicle with XXXX XXXX XXXX XXXX XXXX a little over XXXX year ago. The vehicle was not cleaned before taking it for a test drive, and before we signed our names on the contract I specifically asked if GAP COVERAGE was included, and I was told yes. I also asked if we had an option of the pay frequency, we were told that it could be worked out with XXXX. A XXXX months ago we were struck by a drunk driver totaling the vehicle, after my insurance company paid the settlement they offered. We were told through the lien holder ( XXXX XXXX ) that gap coverage was never added to our contract. To make it worse, I never received a title ( I had to purchase and expedited a copy ), and we were pressured into adding a positive review on XXXX before they let us leave and drive off of the lot with the car! Now that I am trying to discuss and work out something with XXXX XXXX, I keep getting transferred, disconnected, or no one can provide straight-forward answers to my questions unless it's in regards to how I intend to pay.
|
| 03/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX and XXXX XXXX both ceased all business and shut down officially as of XX/XX/2023 and filed bankruptcy as of XX/XX/2023 I was tricked into a lease with XXXX XXXX XXXXXXXX not a finance loan like they advertised on tv red flag one false advertisement. They sold all accounts without notice to their customers no call no email no certified mail anything now Westlake portfolio management a debt collector is harassing me and other customers to pay a debt we didnt start with no proof of owed debt no proper letter in the mail just spam calls daily from different local numbers and international numbers when asked for a debt validation letter we get hung up on or sent a email with their contact information when we request for our original contract with XXXX they never send anything theyve breached contract by selling our information and not honoring warranty which was apart of original contract with XXXX me and other customers do not feel comfortable paying a debt collection company thatll in the end crash our credit and they arent XXXX accredited
|
| 03/15/2017 |
No |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX
|
| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I financed a XXXX XXXX XXXX through the company Westlake Financial Services. I was told By XXXX XXXX XXXX after I gave them a down deposit of XXXX to tell the Westlake that I am already driving the car on XX/XX/XXXX but I did not pick up the car and actually drive it till XX/XX/XXXX. My car payment was set for XX/XX/XXXX, I made a partial payment of XXXX on XX/XX/XXXX. I later received a call from Westlake regarding my balance and explained to them I will be able to make the rest of the payment on XX/XX/XXXX. I was told that would be okay and they will just call me again to make sure. On XX/XX/XXXX, I received a phone call from XXXX XXXX telling me they will pay the other half of the bill but I have to come down now to resolve the issue. I get to the auto company and they show me a letter sent via email stating Westlake would like for them to buy they car back and XXXX pressured me to leave the car on their lot and take all of my belongings. On my contract it does not state a grace period and it does not state what it is considered a miss payment.
|
| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Was involved in car accident in XXXX of XXXX, insurance paid vehicle off and I received remaining funds of pay out. Loan was closed in XXXX but was reopened stating that I n had owed more money. I contacted finance company and no one could explain to me as why loan was reopened or what money was owed after payout. After 90 days I check my credit score to see that they reported my loan standing as 90 days late and has been reporting late payments up to XX/XX/XXXX. I contacted credit bureau and they validated it each time I filed a complaint. Contacted finance company close to end of XXXX and they submitted me paperwork saltatimg loan was never late or pass due and in fact it was clear and paid off back in XXXX of XXXX. Contacted credit bureau after my findings and after their investigation again they stated that my pass due amount were yet again valid. Contact finance company again after that and they said that they were working on it but after my recent dispute again, they notified me once again that finance company reported everything as valid.
|
| 12/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a car title loan from Wilshire Commercial Capital L.L.C . XXXX Wilshire Consumer Credit XX/XX/2021 when I was going through some hard times. I'm not using this as an excuse but I was rushed through the whole process. I started having issues paying for the loan, so I started researching, and my interest rate is very high, 88.77 % annually. Doing research I read in the state of Florida XXXX may be applicable in this case because Florida 's maximum interest rate is 18 % right? Then under Fl Statutes XXXX the Fl title loan act requires a title loan lender to be licensed by the XXXX XXXX XXXX XXXX and Wilshire Commercial Capital LLC has no licenses for Florida their XXXX ID is XXXX. So with the high-interest rate and with the car as their security, it shouldn't be this high. I owe more now than I did when I first got the loan. I have made 12 out of 43 payments of XXXX a month and a couple that was a little more with a total of {$6600.00} paid 31 payments left = {$17000.00} and a payoff of {$9500.00} and the amount I financed was {$7000.00}
|
| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge and the finance includes insurance which protects the creditor against the obligors loss, and or property damage. XXXX XXXX XXXX dba XXXX XXXX did not include my insurance in my finance charge.
Fact, Affiant is aware and has proof in attachment labeled as Exhibit B that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX dba XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit A & B.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A and B that XXXX XXXX XXXX dba XXXX XXXX is in violation of XXXX XXXX XXXX. XXXX XXXX XXXX dba XXXX XXXX willingly and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.
|
| 11/19/2019 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Re : Westlake Financial Thank you for taking the time to read this letter, and I hope your day is going well .Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Westlake Financial account # XXXX.
I called for an extension agreement deferred payment on XX/XX/XXXX for my account confirmation # XXXX I made a payment of {$210.00} instead of the normal {$50.00} payment to defer a monthly payment. I will include proof of confirmation emails from prior arrangements along with this letter to help my case. I was told if the system reports it late and its not processed in time Westlake will have no problem removing the error.
I called for a deferred payment on XX/XX/XXXX for my account confirmation # XXXX $ XXXX XX/XX/XXXX payment {$190.00} confirmation XXXX and another payment on XX/XX/XXXX {$180.00} confirmation XXXX, for a total of {$580.00} received before 30 days.
Best, XXXX XXXX
|
| 07/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I got a car around XX/XX/XXXX and put down XXXX which then I financed the rest through XXXX XXXX. When the first payment was due they sent me the payment portal which was faulty because it would say processing but wouldn't process and then you find out later that the payment didn't go through. It would then say try again later, little did I know later wouldn't be available. They repossessed the car for default on the first payment and the contract doesn't specify how many days you have until default. After calling the company I was told 10 days by XXXX associate and 14 days by another. They even told me that it's not in the contract but it's common knowledge, even though they didn't know the if it was 10 days or XXXX themselves which tells me it's not so common. Then they told me it was not a done deal and they would call me to give me their final decision which they did call and finalized it. I lost my down payment and now have this negative remark pending on my credit report because of their flawed system and I can't help but feel scammed.
|
| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
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Hello, I was attempting buy a car from someone in Arkansas it was a salvage title XXXX XXXX XXXX that the seller had fixed and put up for sale. He was able to get me approved the Westlake financial and told me say certain things on the phone when having my first phone call with the bank like I like the car even though I had not taken deliver of it yet and to say I put down a certain amount of money even though I did not. I thought my registration was already done but it wasnt so when I attempted to get it registered I could not due to the car failing an Inspection. I attempted to give the car back to the seller but he was trying to force me to keep it and threatening to sue me. Westlake would not allow me to send the car back since both parties were not in agreement and basically forced me Into a loan with a lemon vehicle. The car ended up getting stolen and they are still trying to hold me responsible for the loan I did not want to do and are attaching late payments to my credit report. I am going to court to try and get this resolved now.
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| 11/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Called Westlake financial to discuss why there is a daily interest fee with the interest already paid which at the end of my agreement due to this i will have paid double my financed vehicle that's a rip off I have already paid XXXX for this car and still owe alot i signed the contract under the assumption or understating that i would pay XXXX for the car with interest yet when you call them to discuss they act like they have no idea what your talking about or they agree its not right or they hang up no help or try to solve or explain their practices. I asked why if im paying the principal now is not my whole payment of XXXX going to that and its not only half is XXXX a month this just don't see legal or right. so I see predatory lending from this I look up review on this company and there a lot of bad ones with the same situation. I really think this needs to be addressed asap. They also had a class action law suite that they lost for collection harassments few years back something needs to be done with this company. getting rich from scams
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| 07/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Westlake Financial Services bought the company that I took my original car loan out with. I know and understand that my payments are late as of right now but I am making strides to get it caught up. My problem, however is that they are harassing me at work via my company telephone line and call me upwards of 15 times per day. I have asked them on the phone in the past to not call me at work, at my employer prohibits me from receiving these kind of calls during work hours. They have continued to call. They even called me today, XX/XX/18 at approximately XXXXXXXX XXXX. They have called my cell phone already fives times today and its only XXXX in the XXXX. I have explained that I am struggling financially right now and even asked if they could temporarily lower the payments for me so that I can try to catch up. They denied my request. They have also denied my request to essentially refinance the loan and extend out my term. I am trying to work with them but I can not continue to receive these calls constantly through out my day. Its harassment!
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| 12/06/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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US Auto Sales is a car company that recently closed down. Before their sudden closure, I was involved in a car accident that resulted in the total loss of my vehicle. I asked multiple customer service representatives what the status of my case was, but I never received a response. I was told that since I had GAP coverage and the vehicle was a total loss, I was not liable for any monies owed on the loan and that I would receive confirmation of that fact, I never heard a thing. While continuously waiting on a response about my case. I saw the news that US Auto Sales was shut down and now I'm getting mail from Westlake management stating that I owe money for car payments, which I know is not accurate. This is reporting on my credit, which it should not be because I was not a fault and my vehicle was a total loss. I am owed the money that I already invested in the vehicle as well. When speaking with Westlake, no-one has a history of my vehicle being a total loss or can provide me any information in regards to the resolution from US Auto Sales .
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| 05/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I send follow letter to Westlake Financial Dear Sirs ; Last XXXX / XXXX2020, I spoke with 2 customer service agents, and nobody supported me in my request, the first person hung up on me, Agent XXXX XXXX, and the second character, I don't even remember the name, by the way he does not speak Spanish very well, he was a man who informed me emphatically that they CAN NOT HELP ME.
This day ( XX/XX/26-2020 ) I spoke again, to request help, in the sense of the EXTENSION OF 2 MONTHS of payment of my credit, I have been without a job since last XX/XX/2020, to date ( COVID-19 ) I have been punctual with my payments, but I am like a good percentage of the world population, with financial problems due to lack of income.
So in the most attentive way, I ask you to approve the extension request, so that the lack of payment does not affect my credit record. otherwise I will find myself in the painful situation of stopping paying the credit and going to whoever is competent to denounce the lack of support from Westlake Financial.
Sincerely, XXXX XXXX
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| 03/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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Web |
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While buying a used vehicle for about {$8500.00} with a {$500.00} trade in and no money down the dealer came up with a contract financing with Westlake financial services. After they took my old vehicle and fixing a few thing on my new XXXX the salesman has me sign the financial paperwork that I agreed to as far as 9.9 % interest rate. As I looked through the paperwork I see a {$1500.00} banking fee added on to the loan total which ended up around {$12000.00}. I asked the salesman what it was and he answered it was normal. I did not like it at the time but I was in a position where it was to late to back out of the deal. So I signed. As I thought about it that banking fee seemed like a crooked way for a bank to not only get more money out of me and charge me interest in top of it. This deal took place in the spring of XXXX. I have since traded that vehicle for a different better vehicle in XXXX at a different dealership and asked them if they ever heard of a banking fee like that and their answer was it did n't sound legal to them either.
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| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have had a loan with Westlake finance since XXXX. I have made my car payment every month. Within this time there has been a handful of times that I have had to arrange a deferred payment agreement in which was successful.
This morning I woke up to my car repossessed.
Since I pay my car payment every month, I was in complete shock.
I called Westlake Financial and they proceeded to say that my payment was XXXX days late.
This is simply not true. There is not XXXX - XXXX, or XXXX day late on my credit report therefore where did this come from?
How is my payment XXXX days late when my payment history shows every month since XXXX my payments have been made?
This is not accurate information and they have illegal repossessed my car. I can send over my payment history that Westlake has also emailed me, showing that I have made a payment every month.
They threatened they are putting this on my credit report when this shouldn't even of happened. They are absolutely no help as I spoke to a supervisor.
This is against fair debt reporting.
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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|
Web |
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Account name WESTLAKE FINANCIAL SVCS Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. Deferred, payment date not reported Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company.
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I.
Sincerely, XXXX XXXX
|
| 12/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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Westlake Financial must send a letter that they have repossessed the vehicle ; and that the car will be sold at either a public or private sale ; and that the sale will be conducted on or after a certain date and must give me given opportunity to redeem the vehicle prior to that date.
Westlake is reporting on my credit report that it is a charge off for XXXX.
If the vehicle is sold, the sale price must be applied to the balance of the loan.
They have not sent me any letter stating the car has been sold.
If they have kept the vehicle in satisfaction of debt, they were supposed to send me their proposal to do so in writing. They must have my consent. I have not received any such letters.
Westlake Financial has not followed the law by repossessing the vehicle or in their disposition of the vehicle after deposition and I have a attorney ready to act in my defense if Westlake Financial does not removed inaccurate false account information from all 3 credit reports due to the lack of Westlake Financial unethical practices immediately.
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| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Westlake Financial when I called them on XX/XX/XXXX. confirmed on their recorded line that they repossessed my vehicle on XX/XX/XXXX.
I Called asking if they had the creditor 's rights at the time they repossessed the vehicle. I was told they are the lienholder.
Yes they are the lienholder, as the monies I paid monthly went to them. However having creditor 's rights is completely different from being the lienholder.
Only if they had the creditor 's rights at the time of repossession would they have had the authority to repossess my car.
If they did not have creditor 's rights at the time they repossessed the car and they still repossessed my car, what would that be considered.
I also never received any correspondence informing me, they were going to repossess my car. If they sent one out. I need information as to, when it was sent out, and I need a copy of it resent to me.
I also need to know if they had creditor 's rights at the time they repossessed my car. If they did not I need my car returned to me as soon as possible.
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello do WESTLAKE FINACIAL THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
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| 10/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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I PLACE A BID FOR A CAR THRU XXXX AND THE DEALER ACCEPTED MY OFFER FOR {$15000.00}.
THE DEALER CALLED ME AND TOLD ME THAT HE ACCEPTED MY OFFER.
THE DEALER NAME IS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX N.YORK XXXXAND HE SENT ME BY E.MAIL A BILL OF SALE FOR {$15000.00}, AND I HAD TO DEPOSIT {$3000.00} AND TAKE A LOAN THRU THE DEALER FOR {$12000.00}.
ON XX/XX/2022 I WIRED THE {$3000.00} XXXX XXXX XXXX XXXX.
ON XXXX/2022/ I RECEIVED BY E.MAIL A LOAN FOR {$22000.00} FROM WESTLAKE FINANCIAL WITH MY SIGNATURE FORGED ELECTRONICALY, I NEVER SIGNED FOR THAT LOAN, THE LOAN WAS FORGED BY THE DEALER IN N.YORK WITHOUT MY PERMISSION.
THE DEALER DOES NOT RETURN MY CALLS.
I CALLED THE BANK ON XXXX/XXXX/2022, THE SAME DAY THAT I RECEIVED THE E. MAIL AND TOLD THAT IT WAS NOT MY SIGNATURE, I E. MAILED THEM ALL MY PAPER WORK AND THEY IGNOR EVERYTHING.
ON XXXX2022 THE DEALER CALLED WESTLAKE FINANCIAL AND TRIED TO MAKE A PAYMENT ON MY BEHALF, I CANCELLED THE PAYMENY.
I AM NOT PAYING FOR A LOAN THAT I DID NOT APPLY FOR.
I NEED YOUR HELP.
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| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023.
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX.
I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX.
Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023.
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize.
I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On XXXX XX/XX/XXXX my car was hit a total loss I was told by the dealer if payoff early then the price drop within the 36 months. Well I only had it almost 4 months bought in XX/XX/XXXX which can with a XXXX security to fix it with secure one somehow this was supposed to be 2 different contract but it wasn't it was with Westlake Financial so as this was settled with the insurance company XXXX the company was paid off XXXX plus XXXX down and the XXXX for the months which was XXXX which add to XXXX plus the XXXX on mechanical insurance they keep which not in the contract why they kept it i call they hang up in my face several time. I ask for management never get. They tell me nobody there and most of all it a total loss and still adding interest rate on a car i have no position of .and in the contract it's doesn't show on a total loss they can take the XXXX dollar it states after a year or XXXX mile which I didn't use also so they didn't follow the contract and still adding to my account makes my credit low and didn't put was paid out.
|
| 02/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( Westlake ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as Westlake Financial to properly report on my credit report. I gave Westlake the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
|
| 06/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I called and made a settlement payment to Westlake Financial of {$3200.00} on XX/XX/20. As of today, XX/XX/20, I have not been able to get anything in writing that the account was settled, nor have they updated to the bureaus this account is paid. On XX/XX/20, I received an letter that confirms the settlement agreement ( mind you this is two weeks AFTER I already made the payment ). I have called multiple times and keep receiving different answers but none of which are, we are mailing or emailing you a {$0.00} or settled in full letter. It has now been 45 days since I made the payment and when calling today, I was told on a recorded line that Westlake Financial will NOT be sending me a letter confirming the account was paid or settled. That I would just have to wait for it to update with the bureaus. This is causing me to not be able to close on my new home this week on XX/XX/20! I just have to provide the lender something in writing from Westlake Financial confirming the account having been settled and now having a {$0.00} balance.
|
| 02/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months.
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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XX/XX/XXXX Bought a XXXX XXXX XXXX from US Auto sales in XXXX XXXX, I think listing price was {$17000.00} ( way too much for the car, but I needed one ) Paid extra ( XXXX ) for 2yr service contract with XXXX that was never sent to them ( XXXX ) and GAP Waiver ( XXXX ).
Car was ok for about 9 months then steering wheel started making noise when I turn, told it was a knock sensor from XXXX XXXX. Did not have the money to fix it then and actually forgot I had the service contract. Then in XXXX of XXXX the car made a loud pop and left me stranded. Not sure if it was the engine or not but when I tried to call the dealership, i was told the went out of business and was to contact Westlake Portfolio Managemnet. Did that and they said my loan was transferred but the service contract is discontinued when they bought the loan. And the service contract company is XXXX and they are suing US Auto sales too. So know they won't honor my service contract and won't return my email and I'm stuck with a car that doesn't run and they want me to pay.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
For months I have been receiving billing statements for a Westlake Services , LLC ( dba Westlake Financial ) account with the name XXXX XXXX XXXX attached to it. These statements have been sent to my email address in error. For some reason my email has been attached to this person 's name.
I have tried contacting customer service repeatedly. The best they could do was provide a customer service email to request that my email address be removed. I have communicated the issue in phone conversations and emails. I have blocked the address they send the financial statements from. To no avail, I still receive these billing statements from Westlake Services , LLC ( dba Westlake Financial ). I am not nor ever have been related to or known a XXXX XXXX XXXX.
I am writing this complaint to protect my identity from theft. If there was a breach of information, my email would be connected to this person. I consider the constant emails harassment as Westlake Services , LLC ( dba Westlake Financial ) does not and will never have my business.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This company has been breaking consumer rights law and violating my rights for the past 6 months and refuses to comply with the law and fix their mistakes on my credit report.
I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
|
| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
About a year after purchasing a XXXX XXXX XXXX from US auto sales in XXXX, XXXX XXXX, they filed for bankruptcy and sold my contract to XXXX XXXX XXXX. I was never notified of this change. I purchased a gap year amendment as well as collision and comprehensive insurance through US auto sales. I have all of the paperwork stating that I did so. In XX/XX/XXXX I was in a one person accident due to a terrible rain storm. I tried to call US auto sales, which is when I realize that my new company would be XXXX XXXX XXXX. My car was pretty much totaled in the accident and had to be towed from the site. XXXX XXXX XXXX refused to honor my gap amendment or even the comprehensive and collision insurance that I had through US auto sales. I even emailed them the paperwork that proves that I had that coverage through US auto sales. They informed me that US auto sales only sent over billing information and nothing else and theres nothing that they can do about it. Now I have a {$22000.00} debt on my credit report and no way of getting it off.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I finance a vehicle from US auto sales located in XXXX XXXX. The company will sit down in XXXX and bought out by XXXX XXXX XXXX XXXX. Oh my credit report is still shows {$20000.00}. Ive had my car for almost 2 years. Ive gave XXXX auto over {$8000.00} in the first year and my interest looks like Ive only paid XXXX my car was recently repossessed because of nonpayment, but it was also recently stolen, and Westlake portfolio management had informed me they had no GPS information on my vehicle when it was stolen US auto sales had a Killswitch on my engine. Any time I did not make a payment. My vehicle was totaled. I have a XXXX so its very popular right now for being stolen after I find my vehicle and pay for it to get out of the cities pound my car was repossessed, how Im not sure because I was not even in the state of Georgia so I believe I was lied to you about the GPS location as well as how much interest I have on this vehicle when I look at my payoff letter at XXXX portfolio shows I payed nothing after they bought the loan
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
This is reference to US AUTO SALES. WE WERE HAVING ISSUES WITH THIS COMPANY FROM THE BEGINNING. THE SOLD US A CAR THAT ONLY RAN FOR ONE DAY. WE REQUESTED TO GET A REFUND. THEY REFUSED. THEY TOKD US TO PICK SOMETHING ELSE WE THEN CHOSE A XXXX XXXX. THE CAR THEN STARTED CUTTING OFF DUE TO THE THING THEY INSTALLED ON THE CAR TO SHUT THE CAR DOWN FOR NONPAYMENT. THE THING WAS SHUTTING THE CAR DOWN EVEN WITH THEM RECEIVING PAYMENT. THE THING SHUT THE CAR DOWN IN TRAFFIC ONE DAY WHILE I WAS IN XXXX ON THE INTERSTATE WHILE I HAD MY GRANDCHILDREN IN THE CAR WITH ME. WE CALLED THEM THE CAR WAS TOWED TO A SHOP. I FINALLY TOOK THE CAR TO AN INDEPENDENT REPAIR SHOP AND THE MECHANIC STATED THE THING WAS MALFUNCTIONING AND COULD SET THE CAR ON FIRE AND THATS WHY THE CAR WAS SHUTTING OFF. HE SAID THE INSTALLATION WAS FAULTY. THEY STILL REFUSED TO TAKE THE CAR BACK EVEN AFTER WE INFORMED THEM OF HOW THEY ENDANGERED US. They finally repossessed the car XX/XX/2022 and now its on my credit report. They should be held liable for endangering us.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased my car from U.S Auto the end of XXXX of XXXX. They picked my car up XXXX and said I didnt make payments. I paid to get my car out of repossession. A couple of days later they emailed me and said they was closing down. Westlake sent me letters in the mailing saying I didnt pay U.S Auto and I owe XXXX on my XXXX XXXX XXXX XXXX I advised them I have been making payments. I asked westlake did they have my contract because I was trying to get my suv fixed under my warranty. Westlake informed me that they didnt have my warranty and they only taking over the payments. I asked them how am I supposed to pay and get my suv fixed at the same time. Westlake said I owed them XXXXXXXX XXXX and it was on me to get my suv fixed since they not taking over my warranty. U.S Auto Sales breached my contract by not covering my two warranty Ive been paying for. Westlake threaten to pick up my car if I cant pay them. I work for the XXXX XXXX XXXX and I get paid twice a month. Without my car I wouldnt have a ride back and forth to work
|
| 09/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I get my credit report every year. I was reviewing a alleged debt from Westlake Financial Services from my XXXX and XXXX credit report. XXXX credit report dated XX/XX/XXXX and my credit report from XXXX.Upon reviewing the two alleged accounts I noticed that Westlake Financial Services has illegally re-aged this alleged debt. XX/XX/XXXX reports open date XXXX and date of last activity XX/XX/XXXX. My credit report from XX/XX/XXXX reports a open date XX/XX/XXXX and date of last activity XX/XX/XXXX. My XXXX Credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX, and no date of last activity. XXXX shows a repossession date of XX/XX/XXXX. XXXX credit report from XX/XX/XXXX shows a open date of XX/XX/XXXX and no date of last activity. Also the balances have been changed. Westlake Financial Services has willing and willfully committed a illegal violation of the Fair Debt Reporting Act and the Fair Debt Collections Act. I also will be filling a complaint with the state attorney generals office and the federal trade commission.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry.
I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive.
The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
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| 01/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!!
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it.
XXXX, XXXX XXXX XXXX XXXX
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| 08/05/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Attached is a adverse action letter that could be a virus, I have need to apply for something at Westlake financial and need this removed of my record Adverse Action Notice Thank you for submitting your request for a pre-qualification!
Based on the information provided, Westlake could not provide you with any pre-qualification options at this time.
Please give us a call and one of our friendly Westlake representatives will be glad to help you.
Attached is the letter explaining the reason why no pre-qualification options were available. Your password for the attachment is Date of Birth year e.g XXXX
Contact Us on : XXXX Terms and Conditions This message was sent to XXXX as an information message This message was transmitted by : Westlake FinancialXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email may contain privileged or confidential information. If you are not the intended recipient, notify us immediately at XXXX.
Do not disclose the contents to another person. You can view our Privacy Policy online
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| 02/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I believe this company is erroneously charging the following : -erroneously intertest charges -mischarging for Gap Insurance -other charges -multiple charges for repossession fees -changing how my payments are applied to my loan ( principle, interest, late fees, and gap insurance ) ; they apply my payments to principle, etc. then go back and change the way the money was applied to my account I've talked to the company multiple times. Every time I'm given a different answer on what the " additional '' charges are for and how the interest is accruing to my account. I have paid several large payments $ 1,000- {$3000.00} and the gap insurance is not showing that it is paid on my account. Additionally, every month my account shows " other charges ''. Westlake Financial has yet to provide a clear explanation in writing as to what these " other charges '' are. Also, when the accounting department send me a statement of accounting, the money that I have paid on my loan is always accounted for differently in each statement.
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| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX of 2021, us auto sales disabled my car even though I was not in default. I had to call out of work for a few days and I called them. They told me that something was wrong with the pastime device and I had to take to an auto shop to get fixed. I took to everything automotive on XXXX and they had to wait for part to be shipped so repair did not happen until XX/XX/2021, car was off on my birthday XX/XX/2021. I had to miss work and earned occurrences since was not planned PTO! Also, they transferred my car to another servicer and its been complaints of people vehicles being repoed even though not default. I am scared of losing vehicle that I need to get to work and to take care of my disabled son and mom. It is now with Westlake portfolio management. Also, us auto was making me get high insurance for years and I paid so much money and they were still charging me for collateral insurance with them. I called about it and they told me I had to get a deductible that was high and was adding a balance to my account.
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| 09/08/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a car loan from Honor finance was going through a tough time lost job and had a repo. I did not want a repo on my credit so i contacted Honor finance and made an arangement with them to pay back what i was behind on and that i would get the car back. I made my payments every two weeks to catch up i called to make my last payment to honor fiance to get my car back and came to find out the company no longer exists and that they claimed bankruptcy. Due to the bankruptcy my account was reffered to another company called west lake finacial i called them to make my last payment and get my car back to find out from one of there reps that my car was sold in auction and that they had no information of the deal i had worked out with my original company honor finance i am disputing the dept since my arrangements that were set with my original financing company were not followed on there end. I have emails from my original financing company of our agreement and feel as if i was being lied to and cheated out of my money.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
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Web |
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I purchased a vehicle from US Auto sales and did not know that they were going bankrupt. Before they went bankrupt we set another agreement about my payment for my vehicle which was supposed to be once a month. But now that they have went bankrupt, I am paying money to a debt collection agency by the name of West lake portfolio management and they are trying to go outside of my contract. Trying to make me pay my card note more than what the contract was that I signed with US Auto. They are trying to tell me that my car is up for repossession and they are saying that I owe {$800.00} which is way more money than I owe and I have been trying to get this figured out with them for quite some time now. But as I stated before they refuse to communicate with me. I contacted legal services which is where I got the information to contact this company because they said they also have had multiple people come to them with the same issue and they have had their lawyers contact them and they have not responded to them as well.
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| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Hello Westlake, After carefully reviewing my contract from the purchase of my vehicle in XXXX You have not complied to the agreement. I still to this day do not have my registration and when i contacted the DMV, they have no records of my information or the dealership. the vehicle is still registered in the previous owner by the name of XXXX. I have submitted 11 payments and will like to Rescind the whole contract and receive my money back. Attached are all the documents and communication between the dealership owner and I.
Sec. 348.111. BUYER 'S RIGHT TO RESCIND CONTRACT. Until the retail seller complies with Section 348.110, a retail buyer who has not received delivery of the motor vehicle is entitled to : ( 1 ) rescind the contract ; ( 2 ) receive a refund of all payments made under or in contemplation of the contract ; ( 3 ) receive the return of all goods traded in to the retail seller under or in contemplation of the contract or, if those goods can not be returned, to receive the value of those goods.
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| 06/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''
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| 03/04/2016 |
Yes |
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- Credit reporting company's investigation
- Investigation took too long
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Web |
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I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).
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| 12/01/2020 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Purchased a car on XX/XX/2020, asking price was {$7100.00}, {$1500.00} down payment. After two weeks of having possession of the car, I hit a deer and my car was totaled. I have XXXX XXXX. XXXX paid Westlake Financial {$8400.00}. ( More then what the car was worth ). I had Warranty and XXXX XXXX. Westlake claims I owe additional XXXX dollars. I was told XXXX XXXX was supposed to pay any difference in the loan. Warranty was to come back to me. Westlake demanded the warranty money be sent to them and I end up with nothing. This is not right. Westlake is double dipping and getting way more then they should be. Every time I call, I get disconnected or hung up on, I call back and unfortunately, I dont get someone who speaks English. I then get transferred and hung up on repeatedly.! I have been trying to get this resolved. I have spoken to the warranty department, I have spoke to the Auto Dealership who also agrees, what they are doing is not right. I need help and no one at Westlake will respond to my calls.
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| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
Servicemember |
|
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report.
It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately.
If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided.
I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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XXXX XXXX XXXX sold me a vehicle. They went out of business XXXX days later. They failed to register the vehicle in my name. I have no plates. The company was taken over by a debt collection company Westlake portfolio management. I have been contacting them for XXXX days straight. I have been given XXXX different email addresses XXXX not being valid they have come back as can not send. Every time you get them on the phone they have a different story. They sent me a fake power of attorney to try and get another temporary tag. XXXX does not except that as valid form. I tried to tell XXXX this. They have had me send emails and transferred me to departments that dont exist. The title department told me in writing that they did not have my title. I can not register the car. I can XXXX XXXX the car with no plates. They have taken over XXXX of my money and I cant XXXX XXXX the car. I have contacted the better business bureau, the head of XXXX and the local senate. No one can help me. I dont know what to do.
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| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I have sent westlake money because they are servicing a loan for American car center. They are adding extra fees and then payments haven't been applied to the account. I've tried contacting them about payments but they can never give me an answer and just keeps demanding extra payments. XXXX payments made in XXXX they claim they don't have. I sent {$400.00} XX/XX/XXXX, {$300.00} XXXX XXXX, {$250.00} on XX/XX/28, XXXX XXXX. A couple of payments are on a card i no longer have access to. This company is constantly harassing me calling from different numbers over XXXX times day and constantly sending emails. I was paying because i was afraid of losing my car but i refuse to keep being harassed by a company that i dont have contract with. They also took it upon themselves to pull my credit without my permission. Something needs to be about this company. I also let them know my signature was forged on the paper work and no one seems to care. They are also calling from local numbers to disguise who they are.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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I paid off this debt on XX/XX/XXXX. Previous to this, they were calling all hours of the night and day ( after XXXX. ) They provided no receipt, nor confirmation of payment. When I called asking for proof of payment they were incredibly rude with me. I then requested a letter stating the debt had been paid. I was told to wait 10 business days, I did. I then called asking for the letter, I was told I'd receive in 1 - 2 days. I never received the letter or receipt. I've now called every day for the past few days. They say they'll send the documentation but they don't. They are rude and nasty with me on the phone. One accused me to using profanity ( I didn't ) then hung up on me. I need this letter, or even some sort of proof of payment in order to get financial aid for my schooling. I've made it clear how important it is. They keep hanging up on me, or tell me they'll send by the end of the day then never do. I get similar responses to emails, stating " someone will send you the letter '' then never do.
|
| 11/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
Older American |
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One of the problems is constant calling even after payment has been made ; all day every day, 7 days a week. I have made agreements with them, and they continue the harassments, they always act as if we had no agreement or not honor a request to change pay date, after they let me know that i could change the due date after a certain period of time. There is always an excuse as to why they can't do something to work with me. The truck they are financing is just over a year old and just a few months before the year ended, the engine went up, Westlake, the finance company also owns the warranty company ; XXXX engines late and over a month of waiting for my truck because the warranty company sent a bad engine. I complained to Westlake, they showed no interest that the vehicle they finance was not in good shape to be sold, this is along with many other serious issues the dealer found while installing the engine that did not happen with me. One problem after another, and not much assistance from Westlake.
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
I suddenly received a call from this company ( Westlake Portfolio Management ) referencing an Auto loan account with them asking me to verify by personal information. I have never heard of this company before nor have I done any business with them or given them any of my personal information.
Since the person on the phone refused to give me any information and I know that my auto loan is with XXXX XXXX, I hung up on them and blocked the phone number.
To my surprise, I then received an alert from my credit report saying that an account with them was seeing missed payments.
I tried to file a dispute with the credit bureaus effected and was not successful. I have tried to contact this strange company to get more information about what this is and where it came from and was not provided with any information.
I need this removed from my credit reports immediately and if I do somehow owe anything to them, they will need to produce a contract or some type of proof that I did do business with them.
|
| 08/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
did not recieve anything too verify debt please help me with situation WESTLAKE FIN XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$230.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$9100.00} {$9100.00} {$9100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6800.00} {$6800.00} {$9300.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$9100.00} {$9100.00} {$9100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Westlake Financial Inc. is consistently showing incorrect information and balance-my score with all 3 credit bureaus are consistently going down drastically, for no reason each time reports.
My score is incorrect and should be going up not down- when I'm paying my bills on time and nothing delinquent.
Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX plus points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason.
XXXX and XXXX is also inconsistent with XXXX and XXXX.
All 3 credit bureaus are inconsistent with each other, how can this be?
Please help! I need my score to be properly increased, please.
|
| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a car loan with XXXX XXXX that is serviced by Westlake Financial. I have made my car payment for XX/XX/2022, XX/XX/2022, and I tendered my payment for XX/XX/2022 on XX/XX/XXXX and received a payment confirmation number ( XXXX ) - which I have a picture of- which I just checked my bank account and I do not see this was actually taken from my checking - despite receiving confirmation from Westlake it was received. This morning, when I am current on all payments, or I thought I was, they came at XXXX am and repossessed my car. It is apparent now, despite tendering my XX/XX/2022 payment, they didnt take it - despite giving me a confirmation number they did ( again, I have a picture of this confirmation ). So they deliberately didnt take my XX/XX/2022 payment so that they could repossess my vehicle. I will be getting my car back today, but I want all extra fees, and costs of hassle reimbursed from Westlake financial for their fraudulent business practices and wrongful repossession of my vehicle.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased A vehicle on XX/XX/23 went to return this vehicle 3 days later because it's a lemon. Transmission is gone, vehicle had all fluids like none. I went back to the location in XXXX XXXX where I purchased and the dealership was closed down. I've been calling for help since and no help at all. They want you to keep making payments on a broken vehicle. I put in a claim to repair. The place where they tell you to bring the vehicle will not honor the claim because they said they will not get paid. This has been a nightmare. Now it's time to retain an attorney for help. This is the worst experience I've ever had. If I could put XXXX stars it's still not good enough. I've paid XXXX for a down payment, XXXX a month for the note, XXXX. For an extended warranty that is no good. Also XXXX. For good year to tell me that this vehicle is a lemon. Ca n't drive over 50 miles the vehicle cuts off. Also having a problem with billing. They're saying I owe them XXXX and I do not owe anything. Please help me.
|
| 11/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at WESTLAKE FINANCIAL SERVICE .
This letter is in reference to a NO DATA PAYMENT with the account number XXXX. XX/XX/2020 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the no data payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a no data payment on my credit file. I am hoping that your organization will consider removing this NO DATA PAYMENT from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX XXXX
|
| 07/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier Westlake Financial Services XXXX XXXX, CA. ).
The consumer/ buyer notified Westlake Financial of the fraud and a investigation by Westlake Services ( Dealer Compliance Dept . ) was launched.
On or around XX/XX/2021 I had phone conversations with Westlake Rep. XXXX XXXX XXXX ) who confirmed that Westlake Financial Services had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan.
Since that time Westlake Financial Services has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( 3 ) credit reporting bureaus.
( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.
|
| 08/20/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?
|
| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased my XXXX XXXX from XXXX and it is being financed by Westlake Services , LLC. dba as Westlake Financial Services on XX/XX/2018. In the last two months this company has not posted the payments to my account in a timely manner. They are processing the {$450.00} the day after it is due date, then stating that the loan payment was received late. I send the money by certified mail every month and can track the date and time when the representative signed it which was on XX/XX/XXXX at XXXX XXXX.
Apparently, this billing practice is not a concern to them. I honestly feel this is an example of predatory lending at its best. When I send an email or called and spoke to the people in the Billing Department, nothing is ever done and the problem seems to be progressively getting worst.
Additionally, the payoff amounts do not coincide, as the one on the Billing Statement is much higher than the one listed on their website. Evidently, this is another red flag and should be investigated as well.
|
| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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On XX/XX/XXXX, My loan was sold to Westlake Portfolio Management from XXXX XXXX XXXX. I contacted Westlake Portfolio Management today XX/XX/XXXX, to settle the debt. My loan started XX/XX/XXXX, purchasing a XXXX XXXX XXXX XXXX for {$15000.00}. I offered Westlake Portfolio Management {$5500.00} to pay of the loan due to me leaving XX/XX/XXXX to join the XXXX XXXX. I was advised by Westlake Portfolio Management they are unable to settle the debt based on their provisions. However, they were unable to send me an agreement that state they could not settle the debt. I also never signed an agreement with Westlake Portfolio Management. To date, I have paid {$26000.00} towards the loan. I do not think the offer is inappropriate being as though the additional money given was {$10000.00}. I also asked for Westlake Portfolio Management and XXXX XXXX XXXX contract agreement with all payments. After everything was transferred my amount increased and not sure if any additional fees or interest were added.
|
| 01/17/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
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DURING THE TERMS OF THWE LOAN I REQUESTED AN EXTENSION TWICE. I PAID A {$50.00} FEE FOR ONE EXTENSION. I WILL BE FINISHED WITH THE TERMS OF MY LOAD CONTRACT ON XX/XX/2020, HOWEVER, THE FINANCE COMPANY IS NOW TELLING ME THAT I OWE THE A BALLOM PAYMENT OF {$2200.00} AS OPPOSED TO {$740.00}. THEY ARE SAYING THAT I AM BEING CHARGED {$2200.00} IN INTEREST AND WILL BE CHARGED XXXX PER DAY IF I DON'T PAY {$2200.00} IN FULL AT THE END OF THE CONTRACT ADTE.. I HAVE PAID FOR THIS VEHICAL IN QUESTION FOR THE PAST 69 MONTHS ON TIME. I KNEW NOTHING ABOUT BEING CHARGED A BALLOOM PAYMENT AT THE END OF THE CONTRACT. ITS NOT FAIR FOR ME TO BE CHARGED {$2200.00} FOR {$740.00} AND LOSE MY CAR AFTER PAYING FOR IT FOR THE PAST 72 MONTHS. I AM A SENIOR CITIZEN XXXX YEARS OF AGE BEING TAKEN ADVANTAGE OF. I CAN NOT READ OR WRITE THAT WELL. SO, PLEASE BE ADVISED SOMEONE ELSE IS WRITING THIS COMPLAINT ON MY BEHALF. IN ADVANCE THANK YOU FOR YOUR TIME, PATIENCE, COOPERATION, CONCERN REGARDING THIS MOST URGENT MATTER.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX that XXXX will not remove.
West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.
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| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I reached out to West Lake financial in XXXX of this year ( XXXX ) to see alternative financial options due to income changes brought on by covid and the dealership where I signed a loan of around {$7500.00} on a XXXX XXXX XXXX XXXX on XXXX, XXXX. Currently. The car no longer runs, XXXX continue to pay the outrageous monthly amount which is equal to a brand new car monthly payment with unbelievably HIGH INTEREST! Unfortunately, the response from Westlake financial was more frustrating. I was told, A contract is a contract I was hoping for lower payment amounts at least! I have worked so hard to clean my credit for years, Ive since had to purchase a clunker. Im not rich, Im a graduate student and mom of XXXX receiving XXXX Westlake Financial does NOT care about your hardships! A contract is a contract! Every time I look at my statements it looks like I pay NOTHING! It never decreases by much!
For example ; Monthly Payment {$220.00} I pay {$85.00}. Interest fees a month Principal {$130.00}
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| 09/12/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Westlake Financial Services has called me XXXX times from XXXX XXXX XX/XX/XXXX, usually up to 3 times daily. On XX/XX/XXXX, XXXX called XXXX times in XXXX XXXX hours : the first call at XXXX XXXX, the XXXX at XXXX XXXX., then again at XXXX XXXX, and again at XXXXXXXX XXXX
XXXX XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m. That is XXXX times in XXXX DAY!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again another XXXX times a day.
XX/XX/XXXX : XXXX a.m., XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., a total of XXXX calls.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This brings the total number of calls in the half of XXXX to XXXX calls, which ONLY includes the calls labeled as XXXX XXXX. As there have already been XXXX calls made this month, I expect a harassing amount of calls for the remainder of the month.
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| 07/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I requested and was granted by Westlake Financial a payment accommodation ( deferral ) plan in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. Westlake Financial reported me late to the credit bureaus adversely affected my credit. Westlake Financial was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. Westlake Financial was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Westlake Financial failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
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| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I've been trying to solve it with them, previously I had financial difficulties before I called West lake Financial Services and was told that my account is eligible for a 1 moth brake in payments every 4 months of consecutive payments, these people are giving me a hard time and besides penalized me an additional {$33.00} on the top of already very high balance with extremely high interest rate, they are ridiculous, I've contacted them on a XX/XX/XXXX to let them know that I will need a brake this month but they seem not to understand, I believe they have difficulties understanding English and what I'm trying to ask for, please make sure they report my account accordingly, very disappointing! They added penalty when I let them know ahead of time that I'm taking brake this month due to my financial circumstances. Please make sure these people do their job right not telling me on the phone " I don't know whom you spoke to before but ... ... '' This is horrible customer service experience!
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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Web |
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West lake purchase the debt from US Auto after I wrote US auto and ask to recsind the contract, they stated that they did not resind contracts, US Auto sold me a fradulant contract, then went out of business, West lake have not provided me with the full contract or my wet signature.They stole my vehichle breeched my pprivacy and has gotten me denied credit because of the latepayments on my credit score, defermation of character, I plan to seek legal actions, The disturbs the peace in my neighborhood by sending a tow truck, They will not give me back my personal beloninings in the car. I disputed the amount owed and they have not marked it on my credit report that it has been disputed and I have proof that I disputed this information and its not marked on my credit report, I'm requesting 1,000 for all my damages that they have caused me .They also have not notified me or sent any warnings about late payments or car been repo, They have threaten me, called me on my job and harrassed me.
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| 08/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/22 Ive sent my right of rescission letter and affidavit of truth to Westlake Financial. I am deducting my liability to pay on behalf of the obligator as I have found several violations and fraud. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed in order to drive off the lot. The buyer may buy the vehicle for cash or on credit and by law you cant do both. Pursuant to 15 usc 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with a consumer credit transaction. I participated in a consumer credit transaction and not a loan Pursuant to 15 usc 1602 ( I ). Also take notice that Pursuant to 15 usc 1605 the finance charge in connection with any consumer credit transaction shall be determined as a sum of all charges which was never disclosed to me which is a direct violation of this law. I am demanding my credit to be corrected and title of the vehicle
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| 08/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXXr XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX
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| 11/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I have a loan from Wilshire Consumer Credit for XXXXXXXX XXXX installation. On XX/XX/XXXX, I contacted them and requested a payoff quote. The loan was paid in full on XX/XX/XXXX. After that, I contacted them to request a XXXX release and noticed the balance of {$22.00}. The person helping created a ticket that takes XXXX hours to review. Time passed by, but I didn't receive any responses. On XX/XX/XXXX, I contacted them again. The person named XXXX placed me on hold and disconnected the phone line. I called back, and the person helping responded that the balance was {$55.00} because I underpaid the loan. After explaining that the payment was based on the payoff quote, he transferred the line to his supervisor. XXXX ( supervisor ) was very nice to tell me that the balance is {$22.00} and it is a late fee. I asked to waive the fee since I paid the full balance of {$27000.00}, but his response was shocking. He can not waive the late fee since they received the payment on XX/XX/XXXX.
|
| 07/04/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX Address XXXX XXXX XXXX XXXX sc XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer Us Auto Sales went bankrupt and my information was sold to a third party company which I didnt not signed a contract with westlake portfolio has stolen my identity
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| 12/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I had an original contract with Pelican finance in 2016 when I financed a vehicle. I've made about 2 years worth of payments on time, but have no record of those payments reflecting towards the balanced that was transferred over to Westlake when they supposedly bought out my contract. I never signed any agreements with Westlake for this vehicle and they are not able to show me payments I've made when I was under Pelican. Pelican never made me aware of their company closing or selling my account to another finance company.
Please help me get this rectified or have the account removed from my credit report. I know I don't owe the amount they are claiming I owed, and I've already paid over {$14000.00} alone within the first 3 years of financing the car, so they are being snakes and not caring about figuring out the true amount owed including my initial interest rate.
Please help me get my life back on track because this company is taking advantage of the situation.
Thank you.
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| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In XX/XX/XXXX we purchased a preowned XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX California and presuming XXXX two months later we started having lots of issues with the vehicle lots of vehicle recalls vehicle starling in the middle of the freeway and road airbag lights going off and on ignition switch authorityVehicle key falling out of the ignition switch so we had to vehicle after numerous attempts of trying to get the vehicle repaired VA dealership in speaking to the finance company we finally had the vehicle volunteer to report in XX/XX/XXXX now its XX/XX/XXXX we have been served with a summons to appear in court in XXXX of this year and we have tried to negotiate with the finance company to go down on the bill because they auction off the vehicleAs we know they should have been a violation of the lemon law since then numerous threats about selling us to court numbers harassing phone calls people saying that they have a summons and they are in attorney first appear in court
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| 12/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On the XXXX day of XXXX, 2022 I signed a contract with XXXX XXXX to purchase a vehicle. I financed the vehicle with {$2000.00} down and 16 % interest. According to information from 15 U.S. Code Section 1662- Advertising of Down payments and installments " No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified periodic consumer credit amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. '' I wish to cancel that contract because according to 15 U.S. Code Section 1605 - Determination of Finance charge " Charges or premiums for insurance, written in connection with any consumer credit any consumer credit transaction, against loss of or damage to property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. ''
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I recently found out that my auto contract with XXXX XXXX and Westlake Financial services was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ). I was also made to provide my own insurance when it could have been provided with insurance premiums but were not disclosed. I also have been illegally repossessed before without notice and was made to pay outrageous fees to get vehicle back. XXXX XXXX. XXXX XXXX is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022 and XX/XX/2022 with no response as of XX/XX/2022.
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| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act the list of accounts below has violated my federally, protected consumer, right to privacy and confidentiality 15 usc 1681 XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX DATE CLOSED XXXX DATE REPORTED XXXX XXXX XXXX XXXX 115 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report be more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus.
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report.
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account.
Account Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I went to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a car. We initially agreed to pay the XXXX XXXXXXXXXXXX XXXX for XXXX XXXXXXXX XXXX. I gave a XXXX deposit. At the end I ask the dealer for my copies he said he will email them to me and Westlake Financial the bank that s going to finance the car. He never did. When I contacted the bank, their documents were electronically signed by me and I never did sign anything electronically especially when I drove to XXXXXXXX XXXX XXXX myself. Only proof I have is the text messages me and the seller was communicating from. Where they creating fake emails to show that they did send the documents. Once I contacted Westlake Financials they had my correct emails which they get from XXXXXXXX XXXX XXXX. My main issue is with the dealer however Westlake financial had call and email me about a required interview to finalize the loan. When I call the bank somehow they waived that required interview.
|
| 06/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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To Whom It May Concern, On XX/XX/21, I received a letter ( attached ) from XXXX, XXXX XXXX XXXX. which stated that they had retained the debt from Westlake Financial in the amount of {$1400.00}. The letter was a receipt sent stating that they accepted a settlement amount of {$1000.00} to satisfy the obligation of the full debt.
I have also attached a copy of my most recent credit report for Westlake Financial which states that the balance is {$1400.00} and continues to be in a derogatory status.
It is my understanding that when Westlake Financial transferred my debt to XXXX XXXX, that they were required under the law to update their tradeline as {$0.00}. It has more than 6 months since this debt was settled, but the information has not been updated. This is causing my credit scores harm, as well as my Debt to Income as I am trying to purchase a home. ( My lender has advised me that a percentage of the chargeoff balance is added to my XXXX, which lowers my buying power. )
|
| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
Older American |
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hi, on XXXX Around XXXX XXXX I looked out of my back door window and notice our car was missing from our drive way I immediately told my wife then picked up the phone to call the cops and couldn't find the vin : # because it was in the glove box along with other important papers so I called west lake financial our leading provider to ask them for the vin : # which I new would be required by the police only to find out from it was west lake that had taken our vehicle so I asked them why had they taken our vehicle and was told because we Haden made a payment since XXXX which was a lie because we had conformation E-mails from west lake Financial confirming that they had received payments from us in XXXX so then the west lake reps began trying to denies there own E-mail conformations I then requested to speak to a supervisor or manager and was denied and further told by a west lake rep that the only way for me and my wife to get our vehicle back would be to pay XXXX in cash
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Company : XXXX XXXX XXXX My Email : XXXX My phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX My car was totaled as of XX/XX/2023. I had liability insurance so XXXX XXXX placed XXXX insurance ( comp. and collision ) on my account. I opened a XXXX. Claim on XX/XX/2023, and I have XXXX insurance that was placed on my loan as well. I have been paying on time for the last XXXX years. An accessor deemed my vehicle totaled. I was then given a voicemail in XXXX that my claim would be closed due to XXXX Auto didnt fund or make a payment on the XXXX insurance. My account was then transferred to XXXX. So, my vehicle has been sitting totaled at an auto body shop for several months now and the shop owner is wanting storage fees. The vehicle is in CA at this shop and XXXX still getting collections calls and emails from XXXX to make a car payment and no help on my claim. My claim number for XXXX was XXXX. I appreciate your help and immediate attention to this matter.
|
| 10/09/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I financed a vehicle in XXXX XXXX with my kids dad and it became abusive and he ended up going to jail and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is Westlake financial and balance was updated XXXX XXXX.when I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted XXXX and they not doing anything
|
| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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|
Web |
Older American, Servicemember |
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Westlake Financial Bank was supposed send me a check for my cancellation of service contract and gap insurance in the amount of XXXX and they have not sent it to me. The cancellation was received to them on XX/XX/XXXX cancellation notice was on the gap and the service contract. They have given several dates when I was supposed to receive the check but they keep changing it and pushing it back. Call XXXX XXXX at XXXX ext. XXXX she is the last person I talked to on the phone. She said I would receive it by the XXXX of XXXX. I was told different dates twice already. Please help get my money back. I financed a car from them through my with a service contract and gap insurance. I had it refinanced through XXXX XXXX XXXX XXXX XXXX. They had a better service contract and gap insurance than Westlake Financial. When I refinanced the gap Insurance and service contract was included in the loan. I cancelled theirs and have yet received the money. Call me please XXXX Thanks XXXX XXXX
|
| 10/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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I signed a car loan in XX/XX/XXXX. Since then, due to thousands of dollars in repairs, the loan company allowed me to get an extension on a monthly payment 3 or 4 times. I was told that in getting the extension, it would merely extend my loan by that many months. In XXXX or XX/XX/XXXX, my Loan was transferred due to bankruptcy. The new loan company has conducted business by collecting monthly payments and continuing to confirm how many I have left before my loan is paid off. That is, until XX/XX/XXXX. I called to make a payment and was told I owe a balloon payment. I have never been told of a balloon payment in the life of this loan. They are now threatening to take my truck if I do not pay $ XXXX+ a per diem interest. One of their employees told me " that's what this kind of company does. They get you to the end of the loan and then tell you to make a payment that most people can't afford. Then they repo the property, resell it and still have you in debt for the rest ''
|
| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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To whom it may concern, I noticed that a credit inquiry was performed by Westlake Services Inc under my name on XX/XX/XXXX. There is also an auto loan opened an account by Westlake Service Inc. for a total of XXXX Please note that I have not authorized either made any contact with anyone from Westlake Financial Inc. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX, Westlake Financial, XXXX, XXXX and XXXX all in XX/XX/XXXX & today XXXX mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to XXXX that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I purchased a XXXX XXXX XXXX XX/XX/XXXX from US Auto Sales. I have had nothing but issues since the beginning. They have double charged my account, put extra insurance on my loan when I had proof of insurance, misapplied payments, and somehow I am upside down XXXX on this car loan. 4 months ago they repoed my car and I was only XXXX XXXX months late. The repo company damaged my vehicle by pulling it from the front bumper even after we provided keys and asked them not to tow it that way. I have had warning issues in the car from the killswitch, and when I was told I was approved for deferment they applied that wrong as well, so now my car is once again been repossessed by the new company XXXX XXXX. I should not be 90 days behind bc I was promised approval for deferment and they never processed it. I am now stuck with a loan that grows instead of gets smaller. I would love for the finance company to reappraise this car for its actual resale value which is XXXX not XXXX.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I initially was trying to find out how voluntary repossession works. The gentleman I spoke with would give me any information untill I said yes that I do want to do a voluntary repossession. Since XXXX the company West lake financial has has called me at least 2 to 3 times almost every day since. I have tried to talk to them several times but due to poor communication between myself and their representatives I dont feel like any issues have been as resolved as they could be. I believe it was XXXX that the voluntary repossession took place. Several days ago I received a letter letting me know the car would go to auction. I knew that letter would come. As I am writing this I just received a call from them. It is the second call of the day. They are calling at a rate that has been feeling like harassment for awhile now. I am now waiting for the car to be sold at auction to find out what the deficiency balance is going to be. Then I can work towards getting that paid off.
|
| 07/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased a vehicle from XXXX XXXX GA and it was financed by Westlake XXXX XXXX in XX/XX/XXXX. I paid a few times about 3 months and then the drive shaft and tire rod went out. I had to pay to get that fixed and I informed the finance company that XXXX sold me a bad vehicle. They repossessed the vehicle aroundXX/XX/XXXX. They never informed me by mail, email or phone call that that the vehicle was sold, where it stored, how much it was sold for. Ive sent letters with no response by certified mail. According to GA repossession law Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. Unless youve signed an agreement renouncing your rights, the lender has to give you the opportunity to pay off the remaining loan balance and reclaim the car. This never happened. I would like the creditor removed from credit report or I will file a litigation next.
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| 04/28/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Westlake Portfolio Management Contacted me on XX/XX/23 to attempt to collect a debt. I have no contractual agreements with Westlake Portfolio Management.
I am writing to express my dissatisfaction with the way your company has been handling my lease agreement. As you are aware, the original company that I had signed the lease with went out of business. Furthermore your company has obtained my Non public personal information without my consent which is a violation of 15 U.S. Code 6802.
However, I have not been provided with any proof of assignment and therefore, I am unable to verify the legitimacy of your claim. Moreover, I have concerns that my right to privacy has not been respected by your company.
I would like to request that you provide me with proof of assignment. I believe that it is your responsibility to provide me with the all the necessary documentation to validate and verify this alleged debt and to act in accordance with .the FDCPA and C.F.R. 1006.34
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| 02/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Every 4 months my account is eligible for 1 month of no-payment, every time I apply they gave me extra balance, besides, they lie to me on the phone : 10 days ago I called and applied for an extension, a person on the phone pronounced that extension has been granted and there is nothing due on XX/XX/2020 but balance was not moved anywhere, I believe they steal money from me and make sure my account has additional charges it is totally ridiculous! I just called them today on XX/XX/2020 and a person requested {$50.00} for an extension stating that it is a company policy I never paid {$50.00} before????? They are truly stealing money from people and I feel really bad for them and for their CEO XXXX XXXX. I'm asking you to please investigate their company because I go with what they said, they stated to me on a recorded line extension has been granted so I wan na see that, the fact that their associates barely speak English and don't know their job totally on XXXX XXXX!
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| 06/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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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!!!
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| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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US AUTO SALES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Was purchasing a car from US Auto Sales on XX/XX/2023 after receiving the car XX/XX/2023 i was trying to get back with US AUTO SALES because the car was cutting off and horn didn't work.. and they sent me to a transmission shop and it had a bad transmission problem so I was trying to trade for another car and they closed there business all in ga .. and I'm not satisfied I'm disable with a co signer having a XXXX loan and the car was XXXX and after paying the down XXXX it was XXXX i was not suppose to pay no money on a loan 15 usc 1605 determine of financing charges. I was not suppose to pay no cash and the loan was XXXX not XXXX but they are both too high for a lemon car..I haven't rode in the car its Ben in the shop.. and I need to get it remove off my credit report .15 usc 1692A and I'm trying to be added to the lawsuit they have with us auto salXXXX
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now!
XX/XX/2023 : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 XXXX XXXX XXXX XX/XX/XXXX Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated m
y rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Sent certified letter letter on XX/XX/XXXX with payment via detached coupon. On XX/XX/XXXX spoke with agent on a recorded line. I read the letter to the agent and ask for a formal letter of response in order to verify that the loan would be closed and if there was any additional amount owed that we may be able to address that. Since that call I received no notice of debt.
On XX/XX/XXXX my vehicle was repossessed. The tow company trespassed onto my property to take the vehicle. I did not receive notice from anybody regarding who or why my vehicle was repossessed until XX/XX/XXXX. I sent an email to the repo company on XX/XX/XXXX and file the police report. On XX/XX/XXXX the repo company sent me an email in response to my XX/XX/XXXX and told me to reach out to the bank lien holder, Westlake financial, in order to resolve this matter. Call Westlake financial on XX/XX/XXXX ask to speak to someone and was told that I had to pay and that they don't respond to letters.
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| 09/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I paid westlake financial {$3800.00} on XX/XX/XXXX for XXXX missed payments for XXXX and XXXX of XXXX and for XXXX upfront payments from XX/XX/XXXX until XX/XX/XXXX My first payment for this year was not due until XX/XX/XXXX. When I paid them the money last XXXX they told me how much I needed too pay in order too have my account current until XXXX of XXXX and I told them not too call me expecting a payment until XXXX they agreed. They started harassing me in XXXX of this year saying that I owe them {$34.00} for what?? Then they said I owe them a payment for XXXX. Then when I tried paying online for XXXX payment XXXX XXXX blocked my access too pay my account online so I have too call in and speak too someone. When I call in I am threatened about my car being repossessed and harassed and they dont allow me too make a payment without charging me a fee for posting the transaction or they dont allow me too make a payment because of the harassment that I just hang up.
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a vehicle on XXXX XXXX. Im still waiting for a tag. I purchased the car from US Auto Sales and currently still riding around with a dealership tag that expired XX/XX/XXXX. After reading about the lawsuit. I couldnt access my doc files. But lucky me I saved them to my pdf files. After paying {$1000.00} down payment left a balance of XXXX. I had to pay two deferred payments of {$420.00} two weeks apart. I just look at my balance on Westlake Portfolio app and my balance is stating I owe the same balance of {$18000.00}. So basically I started over with the same amount my balance showed on my paperwork from XX/XX/XXXX. When I ask Westlake Portfolio could they register my car so I can receive my tag. They tell me the only thing we can do is provide you with an email to contact someone about registration from your car. The email address I was given was XXXX. Ive sent them over 50 emails. No one has call.text, or email me back. My car still is unregistered.
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| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/2022 I sent out a cease and desist letter to stop all communication, a debt validation letter requesting to verify the debt from Westlake Financial. I did not receive any response for the requested information. I also sent in a right of recession, I am exercising my right of recession pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction, nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement.
My second attempt was on XXXX XXXX. I sent out the same letters as before and no response. Westlake Financial is in violation of auto theft. On XX/XX/XXXX Westlake Financial stole my vehicle not adhering to the previous documents, cease and desist, method of verification, notice of recession and special power of attorney. I sent my letters as certified mail but I never received my return receipt.
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| 06/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I had a loan through West Lake Financial Services. Around XX/XX/2013 the car was repossessed. During that process while attempting to find me to take the car Westlake Financial called and harassed my family members, specifically my grandmother on a daily basis and threatened that you guys were going to sue me. They also called many other family members and told them about my debt ( which is a violation of the FDCPA ). They also called me at my work constantly. I told them that i was not allowed to receive phone calls and i could get in trouble, which i did get written up for. They also talked to my supervisor and told him that i owed a debt and that they were going to serve me at work. ( another violation of the FDCPA ). They never sued me for the alleged deficiency balance which i still do disagree with. Threatening to take an action that you do not intend to take or that is meant solely for the purpose of harassing is a clear violation of Federal law as well.
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| 03/30/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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WestLake Portfolio Management has been calling from multiple numbers since Saturday XX/XX/XXXX! I have requested debt validation from this company and have not heard anything back! They send emails at anytime of the night! They want payment for a debt that I did agree to with them! I signed a contact with XXXX XXXX XXXX, and they are currently in bankruptcy! I do not have a problem paying my debt and I certainly do not want a free car! I paid on the car for over a year and never missed a payment and they are so that that nothing has changed with my contract and that everything is the same! However they are not honoring warranties or repairs as stated in the original contract! They do not have titles and they are calling and demanding payments or telling people that are going to repo! They were sued in 2015 for these exact practices and continue to use these same tactics. They also state that previous payments are not considered so basically starting all over.
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| 09/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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Wilshire Consumer Credit fraudulently placed me into a car title loan contract on XX/XX/2022. Although they are licensed to do business in Ohio, they failed to abide by the Ohio Revised code Section XXXX that prohibits licensee from accepting title or registration of a vehicle as security for the obligation. Also, according to the Ohio Revised code Section XXXX, the loan must not be more than {$1000.00} and extend the maximum of one year. I was not aware of this until after the false contract was completed. Since then they have placed the account on my credit report which goes against the consumer reporting laws and my consumer rights to privacy. This, in turn, has made it hard for me to obtain any credit going forward. I will be submitting a complaint to the Ohio Attorney General as well as the FTC regarding this matter. I want the account removed from my credit report and any money/interest paid to the company on behalf of my signature to be returned to me.
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| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Westlake financial services has stolen my Truck late Sunday night. I have XXXX dollars as my balance. I just paid on time XXXX on XX/XX/2022 as our agreement. Every month a pay XXXX on the XXXX. On XX/XX/2022 elven days after I paid my car note they stole my car. They tried to make me pay over a XXXX dollars for it back. Once I told them that I have in my checking account documents of me paying each month on time. They then said it was an computer glitch on their end. They will be returning me my truck. I still have not received my truck. I spent over XXXX XXXX dollars on my loan for the truck. Once they seen that I was about to pay it off they stole it. I called and reached out with them every hour on the hour about returning my truck and in the condition that it was in. Still no truck. Now they are blaming the tow company. I missing work hours to deal with problem. This was a scam and I want all parties involved to pay for it. Now I'm carless and stranded.
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| 10/18/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a vehicle repossessed that was no longer past due. According to federal law 15 U.S.C 1692f this is a violation. I submitted a case with cfpb in 2016 regarding this issue. The creditor sent documentation in their response which show the account was no longer past due, yet the vehicle was repossessed because I did not answer their calls. The account was 1 month past due and payment was received { XX/XX/2016 } 3 days prior to the repossession letter being sent { XX/XX/2016 }. The creditor also sent a breakdown of the payments showing my payment with the late fee posting prior to the repossession. CFPB, unfortunately, offered no assistance in 2016. Now the creditor is reporting the account as charged off month after month in an effort to further reduce my credit score. I never received paper work after the vehicle was sold and the balance at the time of repossession is the current balance on my credit report. It appears that the vehicle was never sold.
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| 11/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off
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| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing this complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
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| 11/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXXwestlake financial scv, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 07/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I financed with Westlake Financial Services for my first car. The first payment was XX/XX/XXXX, and it was denied for insufficient funds ( I did not have overdraft protection and because of pending charges, I was - {$40.00} after the payment came out. ) I asked for an extension to XX/XX/XXXX, and they granted the extension. They told me to make the payment with the late fee. I made the payment, and was unaware they took another one out the same day. I saw that they took it out after my first payment went through, so I asked for them to refund one. They said they would, then refunded both. Afterwards, it said that I was about 2 weeks late on my payment and I was not allowed to make automatic payments or manual online payments anymore because I had been refunded too many times. They called the dealership and said that if the dealership themselves didnt pay my balance, they would repossess my car before the 30 day timeframe, and that I defaulted on my loan.
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| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Loan appeared on my XXXX report an account had been opened for a car loan with : Westlake Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted Westlake Financial on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc..
I made a dispute with XXXX on XX/XX/XXXXXXXX Dispute # XXXX.
Results were obtained on XX/XX/XXXX indicating account was verified.
On XX/XX/XXXX, I called Westlake Financial again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account XXXX is reporting. They stated they would open a dispute on there end.
On XX/XX/XXXX, I made another dispute with XXXX dispute # XXXX and informed them again of my attempts to dispute with Westlake Financial. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.
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| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Account reinstatement or redemption after repossession
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Web |
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My name is XXXX XXXX and I have an account with West Lake Financial. On XX/XX/, I made a payment of XXXX with my debit card ending in XXXX to Westlake Financial. Westlake financial is stating that on XX/XX/, the money was returned to my bank as a chargeback. I keep calling my bank and they keep saying the payment is successful to Westlake and Westlake is saying that my bank has the money back. Westlake was even included on a 3 way call to the bank where the bank told them the money was not charged back.
All transactions receive a unique ID number. I keep asking Westlake to provide this number for the chargeback and they keep saying they dont have one. My car was illegally repossessed, and the bank insist that Westlake was successfully paid.
Someone has this money ; I have never experienced this and from my research Westlake has multiple lawsuits for illegal repos. I am trying to work this out without going that route, but I am not having any luck.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Westlake Financial : Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I got a vehicle from US Auto Sales and they cut the car off when I was on the highway and I had to rush and get off the highway before I had an accident. Then XXXX days later, I had the car towed to my house ( which cost me, because they said they only cover up to XXXX miles ). Then when I got it home, I called them again and they said they couldnt help me and said my warranty was gone and that they wouldnt give me another vehicle, even though I made my payments. So I had different mechanics look at the vehicle just to find out that they turned the car off on purpose and then they came and took it away. But oh, they said if I made a payment, they would cut it back on and when I did, they still didnt cut it back on and wanted more moneythen they came and took it away. I lost my job and everything at that time because they wouldnt turn my car on and that was messed up.
So can you guys help me or tell me what lawyer to get for this situationthanks.
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| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I HAVE HAD A LOAN WITH WESTLAKE FINANCIAL FOR ABOUT 5 YEARS. ON XX/XX/2022 AT XXXX XXXX I CALLED INQUIRING TO HAVE A LATE FEE WAVIED, WHICH THEY SAID NO. WHICH IS FINE, MY REASON FOR THE COMPLAINT IS BECAUSE THE REPRESENTIVES AT WESTLAKE LIED AND MISREPRESENTED THEMSELVES AS SUPERVISOR WHEN THEY WERE NOT. WHEN I SPOKE TO THE Representative XXXX I ASKED FOR A SUPERVISOR WHICH HE TRANSFERRED ME TO XXXX EMPOLYEE NUMBER XXXX. XXXX IDENTIFIED HIMSELF AS A SUPERVISOR. LATER IN THE CALL HE TOLD ME HE IN FACT A TEAM LEAD AND XXXX WAS HIS MANAGER. I TOLD HIM THIS DIDNT MAKE SINCE AND AFTER MAKING XXXX TELL ME THE TRUTH WHO WAS WHO, XXXX FINALLY CAME CLEAN AND SAID XXXX WAS JUST A REPRESENTATIVE AND XXXX WAS THE TEAM LEAD. XXXX HESITATED TO GIVE ME HIS DIRECT SUPERVISORS NAME DIRECTLY. AFTER ALMOST 2 HOURS ON THE PHONE I FINALLY GOT A MANAGER, WHO I HOPE IS A MANAGER, XXXX EMPLOYEE NUMBER XXXX AND TOLD HIM OF OUR COMPLAINT. WE CAN NOT COME TO A RESOLUTION.
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| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Ive had a Vehicle with US Auto Sales since XXXX. I purchased GAP warranty and paid into it. For the duration of my purchase with US Auto. My Vehicle has been Shut off 22 times during the Pandemic leaving my mental health unstable. Ive dealt with extra finances charges. After speaking with them so many times over the years it just left me depress and helpless cause Im XXXX and needed my vehicle. When they closed down I was in good standards. On my credit report it states Car paid for in full? On my title Im listed and USAuto not this New company that is threatening to repo my vehicle. I dont know my rights or what to do. I have the last letters stating my GAP was paid and full up to XX/XX/XXXX cause they was charging me double, But I cant even use all the money Ive paid into it cause they said that loan is Null and they are the new owners. Us Auto never contacted us just kept taking payments. Someone please help me Im In XXXX XXXX, Ga. Thank you.
|
| 06/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I had a car with American Car Center we know that they filed for bankruptcy and this company Westlake took over their lease contracts. I did receive an email from them telling me they took over ACC accounts but it mention on the bottom of the email this is not an attempt to collects debt. Well recently I woke up and my car was gone! They repoed my car and when I called them they say I still owe on the car which I didnt know and on their site its telling me to pay but I dont have a total amount and what Im paying for! I found out I owe to purchase the car because I was just leasing. I had to pay {$1000.00} to get my car back and now they saying I owe {$5000.00} to totally own the car. I have no documents from them and they dont even have all the paperwork from ACC bankruptcy trustee so they dont have my lease agreement they just going off of whatever is being sent to them. I dont want to pay them and dont have proper documentation on what is owed
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| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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On XX/XX/XXXX I purchase a XXXX XXXX XXXX. It was {$9200.00}, I had put down {$1000.00}. I financed with a bank called Westlake Financial. When I had first got the car I had notice that the air bags didnt work, I tried to reach out to XXXX XXXX via email and didnt get no response. Over time I had to replace certain items of the car such as the brakes, battery and engine. And the alignment is off on the car which means I cant drive safely on the highway I had went to a XXXX Dealership because I was looking to trade my car in for something else due to the XXXX break ins, they informed me about how much my car was worth and told me since I had several crashes on the car, my car value will decrease, I was completely confused because I was never informed about crashes in fact the Car dealer told me that nothing happened to the car it was ready to drive off the lot. I tried to contact him and he basically said it was nothing he was going to do for me.
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| 04/28/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I got a car through Westalake financial Institution back in XXXX I believe. The car broke down in XXXX, or XXXX. I was sued a few years ago by Westlake the amount was over XXXX that I owed. I hired an Attorney about 3- 4 years ago, for my case. As of XX/XX/XXXX I won my case. I have documentation as well. I am still seeing Westlake on my credit report. They also have it as a repoession. I called and got the run around. I finally spoke with someone that they reported my credit too. I am not sure of the name of the debit company, I do have a phone number to the company. He informed me that either Im going to get sued again, or they might try and sue. Even though I won my case against them. He had act as though I was in the wrong and I had no idea what I was talking about. I file a dispute with XXXX. They informed me that the amount Westlake Financial orginally put went down but, still shows as a reposession and on all 3 credit bureaus and report.
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| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.
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| 10/24/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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ACCOUNT NAME WESTLAKE FINANCIAL SVC Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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On XX/XX/XXXX, my car was repossessed by Westlake Financial Services and was later sent to XXXX, FL for auction. I received a letter stating that I had until XXXX to make payment to avoid it going to auction. The payment was made on XXXX in the amount of {$1700.00} which is what I was told was owed. I asked for confirmation of payment and fees owed ( never got and was told they do not send outside emails/letters ). I then go on to my online portal and have now been charged additional fees which I have been given inconsistent answers about. This company shipped my car 4 hours away from the city I live in and is causing more fees to incur due to not sending release notice to auction facility. I have contacted this company multiple times and spoke to multiple agents from XX/XX/XXXX to date of this complaint. I have tried to get this rectified but keep getting the runaround. The car has yet to be released and is causing an undue financial burden.
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| 10/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had got a auto loan through Westlake Financial in XXXX of XXXX a few months later the vehicle started having electrical issues. Which was suppose to be covered by warranty and was not covered, I told them I cant drive the truck, pay for repairs, pay the car note and insurance. They suggested a voluntary repo I did not agree because I had paid such a large down payment around XXXX, They repossessed the truck while I was out to eat with my children, left us stuck at the restaurant. They ended up adding all kinds of illegal fees and charges that inflated the balance way more than what was owed. Recently during the pandemic I paid them the settlement amount they requested, on XX/XX/2020. They promised to remove it from my credit. It is still on my credit and now no one will remove it. Stating they don't do that, they tell you anything to get money and then they scam you thinking it will be removed off your report but then they do not remove it.
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| 05/06/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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On Tuesday XX/XX/2020 I received 6 phone calls from my auto loan company, westlake financial, to collect on a {$200.00} balance. I made a partial payment of {$150.00} on XX/XX/2020. My payment is {$350.00} due on the XXXX each month. It's been my 3rd payment since getting the vehicle. All payments have been paid in full and on time. I need extra time due to a corona layoff, I asked for more time or if they had a program due to the outbreak. I returned a voice message and spoke to associate at XXXX and explained the situation. I was reminded about my contract and my obligation to pay. Moreover, I spoke with a supervisor who again reminded me of my signed contract to pay, during a pandemic, and told her the same thing I told 3 other associates. Even after that 16 minute phone call, I received two more phone calls. All I was asking for was more time, what I got was a harassment. This was deliberately done and there should be a punishment for it.
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| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I first had an issue with the engine light that appeared soon after the purchase of the vehicle in XX/XX/XXXX I also had an issue with getting title information so that I could get a plate and was told that it was being taken care of and I was issued another temporary tag in XX/XX/XXXX and found afterwards in the month of XXXX that the offices were closed because the company declared bankruptcy so I couldnt get my tag for my vehicle and found out that they never sent the title information to the bureau in Tennessee and just recently in addition to the issue with the engine light, on our way home from our XXXX holiday in XX/XX/XXXX our vehicles engine blew up which is related to a pre existing problem an oil leak that our mechanic told me was there had we known we wouldnt have purchased the vehicle so now we are stuck with a loan that which the sticker price was marked up from XXXX to XXXX. This is definitely predatory lending at its best.
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| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company communicating payment assistance or payment extension options
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Web |
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On XX/XX/23 I sent an email to Westlake advising Id lost housing and was living in my car. They previously responded immediately when I emailed. This time they didnt. I left to go to Georgia briefly. They took the car out of the hotel lot. They demanded over {$1000.00} then {$890.00} which I paid. I repeatedly asked IF I PAY THEN I WILL CALL AND GET THIS CAR AND WAS TOLD YES. I paid. I called the number and no one answered. Again I called repeatedly. Then was told to call someone else, a tow company. Those people said they didnt have a release. Then said they did but I had to wait til Wednesday at XXXX XXXX to pick up car. I said all my clothes and medicines and all that I have is in the car and I am XXXX and here alone. They said too bad.
Westlake had been calling me with spoofed area codes of XXXX every hour virtually and also lying repeatedly about extensions or being rude and saying horrible things, Ultimately they committed fraud.
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| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I bought the vehicle used from XXXX XXXX XXXX. in XXXX VA ( XXXX XXXX XXXX XXXX, VA XXXX ) XXXX XXXX XXXX, in late XXXX as a company vehicle. The vehicle was a 2010 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX. I had believed that I had automatic payments set up so I did not worry about anything. I missed two payments, one of which I did pay, and when I called the bank ( Westlake Financial ) they said they could do nothing and that It was back in the dealerships hands. I made one payment, so technically only missed one, and it was threatened to be repossessed. The dealership would not work with me and told me to pay it in full or it was be repossessed and he would take me to court and sue me if it was repossessed since he would not be the one to cover the lawyer and court fees. After the truck was back on his lot, the dealership owner told me that if I put another XXXX XXXX down, he could submit it to another bank to help me out.
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XX/XX/2023 I received and email from a debt collection agency, Westlake Portfolio Management LLC stating they had my loan that was with XXXX XXXX XXXX. I had contacted the company several times only to receive a different story each time. I sent a letter of Validation of Debt multiple times to be either ignored or told they never received the letter yet stated they knew about it. I asked why my account was with a debt collection since I was never late nor behind on my payments and could not receive an answer. I asked for the judgment stating my account was to be with a debt collection company as well as validation they are even legally allowed to collect in the state of Georgia and both questions were ignored. I am not refusing to pay said debt once validation is made but WestLake Portfolio Management LLC is refusing to acknowledge the Validation of Debt letter and is taking on late fees and reporting negatively on my credit report.
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| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
|
I purchased a used XXXX XXXX XXXX from a used car dealer XXXX XXXX XXXX XXXX XXXX CA 0n XXXX XXXX XXXX and it was financed by Westlake Financial Services. I added Gap insurance to my account with Westlake at a cost of $ XXXX per month. The contract was for 72 months and Westlake added the "Gap" charge to my account balance for the entire contract period at a total of over $XXXX. I paid the entire contract off on XXXX XXXX XXXX which included the entire cost of the "Gap" insurance. Today, XXXX XXXX I requested from Westlake a refund on the advance payment of the insurance which was 70 months at $XXXX per month which totaled $XXXX. I do not need Gap" insurance if I do not owe anything on the car to Westlake. My request for the amount of the overpayment to be refunded was $XXXX.
The company: Westlake Financial Services
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone: (XXXX) XXXX
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| 03/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
|
Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.
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| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I was previously financed through US Auto Sales, a buy here pay here lot that went out of business and shut it doors with out any explanation to the customers. Upon calling Westlake Portfolio Management institution several times via phone and email, requesting information about the new contract in writing and also I stated that the amount owed on my vehicle is also in correct I never received the requested information only a Power of Attorney agreement that they can speak upon behalf off US Auto Sales. I was notified by WPM representatives that US Auto Sales filed bankruptcy and if I wanted additional information I would have to hire an attorney to obtain additional information. I was also advised that the contract I had with US Auto sales is no longer in existence and all services that were offered by US Auto Sales will not be offered by WPM ; such as car insurance, gap insurance, repairs to vehicle included in the original contract.
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| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This is a NEW complaint - after the " resolution '' of the FIRST complaint! Please do not list this as a DUPLICATE complaint, this company is unethically practicing!
Westlake Financial AGREED to change my charge off to a paid/close remark on my account ( see attached letter ) and changed it on my credit file. Three days later, they changed it BACK to a charge off. When I called Westlake yesterday, they told me that it was NOT their problem the issue I was having with my credit file and they did what I asked them to do, if even temporarily. The account is also reporting as 30 day past due in addition to being a charge off - all reported on XX/XX/XXXX
I paid this item in full through my insurance company and my GAP insurance, I kept Westlake in the loop about any delays. I fully BELIEVE they received TWO payments on my vehicle - ONE FROM MY INSURANCE AND ANOTHER FROM THEIR INSURANCE COMPANY - complete fraud and unethical behavior.
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| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I am the surving owner of my deceased husband ( XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX. I am contesting the payment of {$430.00} to Westlake Portfolio Management. Due to fraudulent activities on behalf of U.S. Auto dealership located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I later discovered this transaction and financing was an in house financing with extremely high interest rates. Ballooning the monthly payments. I've requested on several occasions from Westlake Portfolio Management a payment history on this account. And I have not received any documentation concerning the full transaction of this purchase. Therefore I am filing this formal complaint with a government agency to assist me in resolving this debt. I've been harassed and threatened by Westlake Portfolio Management staff and employees. I wish for Consumer Finance to assist me in bringing these threats and harassment to an end. Thank for your assistance in this matter.
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| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I HAVE A MAJOR CONCERN GOING ON WITH ( WESTLAKE FINANCIAL SERVICES ) MY BILL DATES AS STATE AND LIST EVERY TWO WEEKS. FOR THE LAST 95 DAYS I HAVE ASK SOME AGENTS THAT WORK FOR WESTLAKE FINANCIAL SERVICES COULD THE FIX THE ACH BANKING ISSUES. I WAS TOLD KNOW ON EVERY OCCASION. THE AGENT THAT I SPOKE WITH TODAY SHE SAID ITS HER DUTY AND JOB TO MISLEAD CUSTOMERS AND TAKE EXTRA MONEY FROM CUSTOMERS SINCE THE DON'T LIKE WAITING 17 DAY UNTIL THE ACH IS TAKEN FROM A CUSTOMERS ACCOUNT. I KNOW NORMAL BANK ACH STANDARD ARE 3 DAYS. ON WESTLAKE FINANCIAL SERVICES WEBSITE STATE ( 24 HOUR ) ACH PAYMENT PROCESS THATS A BIG LIE. FOR 95 DAYS I BEEN HAVING THESE ISSUES AND CUSTOMERS SERVICES AGENT TELL ME THEY DONT CARE NOR DO THEY LIKE TO DO THERE JOB ETHICAL CORRECT.. THE AGENT I SPEAK WITH SAID WE CAN TELL CUSTOMERS AND THE XXXX AND THE CFPB CAN'T DO NOTHING TO US AT ALL. I HAVE SPKEN WITH 15 DIFFERENT AGENT AND THEY SAY THEY ARE ABOVE THE LAW..
|
| 02/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX.
At XXXX XXXX in California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out.
The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received.
Until this matter is resolved I will not receive my vehicle title
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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|
I bought a car from American car center in XXXX tn XX/XX/XXXX it was a XXXXXXXX XXXX XXXXXXXX white i got the car just started a new job and stuff trying to get on my feet. Around XXXX XXXX something like that when i made my last payment they closed couldnt get in touch with nobody couldnt log in my account or nothing. The phones was off just couldnt get no one. So around XXXX or so XX/XX/XXXX they came and towed my car didnt know who these people were or nothing. I lost my job my kids couldnt get to school nothing no transportation i just moved to XXXX tn as well new life start. I lost everything bills still coming in no help at all, still without a car. My last payment was XXXX i was paying XXXX every XXXX weeks i paid XXXX in all or XXXX money lost. And they want me to pay XXXX to get the car back I dont even know where the cars at. I called westlake they are so rude, they breached the contract I dont know these people at all.
|
| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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Back in XXXX American Car center went bankrupt they did not give me any notice of this i found out off of XXXX i also found out who took over my loan westlake from XXXX i was never communicated what was going on until after i made calls myself i owe {$1200.00} on my car back in XXXX i gets a email stating that i have to pay a extea {$3900.00} to get my title that i did not know i had to do American car center at the time i purchased in 2019 never told me that im leasing and at the end i have to pay this money so i called westlake and asked if i can pay monthly the extra {$3900.00} they denied me said i had to refinance with a bank or they were coming to take the car they have been taking cars and not helping i feel like they are trying to pay off american car centers debt the car is not even on my credit report anymore i feel like this is unfair to people that have been paying they should get extra time being of this circumstance
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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XX/XX/XXXX I bought a XXXX XXXX XXXX at XXXX Car Sales XXXX XXXX, they gave me a bill of sale and a license plate and temporary registration with an expiration date of XX/XX/XXXX. The financial company was originally XXXX XXXX XXXX and then it became Westlake Financial company, when the registration expired I called the Dealer to get my final registration and the Dealer had closed, I called Westlake Financial to send me the documents to register the car and the Financial does not have the documents either. On XX/XX/XXXX the police arrested me and took my car away, the Westlake Financial can not claim the car because it does not have the documents and the lien in the title. I don't have the car, I don't have the documents and I have a debt with the financial company.
Westlake Financial should not have approved the loan of a car that did not have the title and now want to collect the monthly loan from a vehicle that we do not have
|
| 02/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
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This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes.
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.
|
| 08/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/XXXX, I decided to pay off my XXXX XXXX XXXX XXXX. I brought a money order ( negotiable instrument ) to clear the debt. I added a provision to the money order which clearly states I accept your offer of {$15000.00} for valuable consideration and tender this payment for complete amount in Accord and Satisfaction upon redeeming this instrument. Under UCC 3-603 ( b ) If tender of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Furthermore, under UCC 3-311, Accord and Satisfaction ( d ) knew that the instrument was tendered in full satisfaction of the claim. Westlake Financial Services received the payment, accepted the money order and then cashed it.
|
| 12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of 2021, I was told by an associate at West Lake Portfolio Management that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, West Lake Portfolio Management reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.
|
| 05/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020, I called finance company to satisfy the debt of XXXX. I paid the settlement price and was supposed to receive a presettlement letter within two to three days. I called about a week later to give them more time and was told it's going to take 10 to 15 days. I have tried several times to receive my settlement letter and have not been successful. The last time I tried to call they stated they were going to email the representative that I spoke with and that he would email me the letter. It has been about 45 days and I still have not received my letter. They received money and when I call back now, I can not reach anyone or message will be forwarded to original representative. I also was given a audit number from the representative that took my payment. And I provided that when I try to dispute this. It appears on my credit report that I made a payment but account still has not been updated to paid settlement amount.
|
| 12/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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In XXXXXXXX XXXX XXXX I bought I car from US Auto Sales in XXXX Ga. I was making payments and lost my job on XX/XX/XXXX. But started new job in XXXX and when I called to make payment no one answered and then I just got busy signal afterwards. So I didn't know what to do or who to call. I never received anything about US Auto Sales Closing or transferring loan over to another company. I also never received anything from the other company who taken over for US Auto Sales. So I didn't know where to send payments or how to make them. Then on XX/XX/2023 my car was repoed. The towing company never let me know anything and didn't let me get my belongings out of the car. I don't know what towing company it was and they dragged the car leaving XXXX marks in my driveway. I received a letter on XX/XX/2023 stating that westlake portfolio management stating they will sell my vehicle at private sale sometime after XXXX XXXX on XX/XX/2023.
|
| 07/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased a vehicle and XXXX was then original lien holder for the car then subsequently taken over by Westlake Portfolio Management. I have paid off my account in 2019 and I still didn't received the title for my vehicle. I went to the DMV to request a title and I found that they never released the lien hold on my vehicle e ven after paying the entirety of vehicle loan. I reached out to Westlake and they sent me a notarized lien release and power of attorney indicating that they have taken over the original lien holder, XXXX. DMV Hawaii requires that Westlake Portfolio sign and notarized the Application of Title. Which they adamantly declined to cooperate and not allowing to obtain a title for my vehicle. I have spoken to numerous employees and even provided them with application and still nothing. I even tried to ask for their supervisor and I was told that the supervisor is too busy to speak to me and address the issue
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
Westlake Portfolio Management purchased my loan from XXXX XXXX in XX/XX/XXXX. I think XXXX went out of business. From the first statement an additional {$3000.00} was added to my loan balance. It still appeared after my 72nd payment of the 72 I had contracted for.
On XX/XX/XXXX, I sent a letter to Westlake asking for my title after the 72nd payment and why there was an additional {$3000.00} on my account in the form of a balloon payment. I never agreed to any balloon payments nor was there any in the original contract I signed with XXXX XXXX.
Since XX/XX/XXXX I have called twice and sent an additional letter in mid XXXX asking for copies of the documents proving the legal existence of the additional {$3000.00}.
As of today XX/XX/XXXX, I have received NOTHING from Westlake related to my lawful request. By not providing the requested documentation, Westlake is in violation of the law.
I think Westlake is running a scam
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I bought a vehicle with US Auto in XXXX SC back in XXXX, the company abruptly shutdown in XXXX of XXXX after I had made 2 payments to them, in XXXX another company by the name of Westlake took over out nowhere, they never introduced themselves they didn't send any documents for me to sign agreeing on them being my new lender or paying them, they just sent me a bill in my email saying I owed 2 payments for them of {$240.00} that I knew I made in XXXX, I made the payments anyways thinking that maybe I forgot or something, but when I went to there website to see my payment history nothing exist, I couldn't pull anything up they increased my loan amount from where it originally was, they don't send any receipts of payments once made, they'll call and send letters but when I call back to try to speak to someone they don't answer or are very rude, right now I've stop making payments cause I don't want them as my car loan carrier
|
| 12/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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Web |
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I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
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| 12/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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|
Web |
|
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I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
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| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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Several times with Westlake financial we are trying to reduce or refinance the car because the payments are too high, after I got financial problems to pay it, after 2yrs doing payments on time, they never put down the bank interest rate. I was with late 2 months payments, they repossessed the car together with XXXX XXXX XXXX XXXX XXXX. I was called to make a deal with the late payments, after I paid the 2 last payments plus the current month. They never allowed me to get my car back, both companies not provide any notes or real address directions to get the car. Now after 7 days I can't get my car back and all my professional equipments too. I paid everything and they are still asking to extra fees to give me the car back. They aren't good professionals, they're not answering my questions by phone or email, and they aren't not allowed me to get my car back, because they're not providing the address where they put my car.
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| 12/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Good morning I have been going back and forth with Westlake Financial XXXX. I did a settlement agreement to pay XXXX XXXX on what is owed which was XXXX. I went ahead and gave them my debit card to process the payment in full and requested a paid in full letter. I was not provided with the letter and was told that they needed to take 10 days for a payment to process in order for them to send a letter and even 3 more weeks for them to update the credit. Now I did call my bank and received a confirmation number of the transaction and was told it was paid to the client ( Westlake ) I reached out to Westlake with the confirmation number and asked to please send me a paid in full letter and the rep has refused and hung up on me. I have called back over 30 times and get connected to the same rep and was again hung up as I was bothering her.. This is not professional. I have all documentation that this account is paid in full.
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| 02/13/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.
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| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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My car payment is {$490.00} see the attached revised contract. I will not make a car payment until your system has the correct information for my car loan. I have called XXXX XXXX to XXXX about this. I dropped an XXXX plan from the financing and the dealership sent a revised contract to your verification department several weeks ago. It is ridicoulous I have to continue to deal with this issue. What a horrible way to welcome a new consumer to the company. Everytime I call, I have to hold on the phone for over XXXX while someone calls the verification department to confirm what is per the new contract.
Now the website shows the wrong car payment as well, next my credit report will show the wrong car payment. My next step is to take legal action against WestLake Financial if they do not fix this issue. See the revised contract emailed to Westlake Financial XXXX times and sent from the dealership over XXXX month ago...
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| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by Westlake financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I was in a car accident, my car was a total loss and it was paid by XXXX XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from Westlake Financial for XXXX.
The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report!
No one will help me rectify this and Westlake has been less than helpful as well as the 3 bureaus.
I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
|
| 09/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO SEND ME MY PERSONAL ITEMS THAT WERE NEVER RETURNED FROM THE VEHICLE THEY REPOSSESSED!!! AND SEND ME A COPY OF MY ORIGINAL CONTRACT THAT SHOWS MY SIGNATURE! I AM NOT ASKING FOR SCREENSHOTS OF PAYMENTS AND NUMBERS LIKE YOU PREVIOUSLY SENT. THAT IS NOT PROOF, ANYBODY CAN SCREENSHOT ANYTHING. I WANT A COPY OF MY ORIGINAL CONTRACT, I HAVE NO TIES TO WESTLAKE PORTFOLIO MANAGEMENT! ALL YOU RESPONDED WITH ARE NOT RELIABLE! WESTLAKE PORTFOLIO HAS NEVER PROVIDED ME THE COPY OF SAID CONTRACT THAT SHOWS MY DEBT TO THEM. AND I HAVE BEEN REQUESTING MY ORIGINAL CONTRACT FOR THE PAST 6 MONTHS TO NO AVAIL! WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO PRESENT AN ORIGINAL COPY OF MY CONTRACT! IF THEY CAN NOT PROVIDE A COPY OF MY ORIGINAL CONTRACT, I NEED THE CFPB TO STEP IN AND HELP ME GET A COPY OF MY ORIGINAL CONTRACT WITH US AUTO SALES THAT STATES WESTLAKE PORTFOLIO MANAGEMENT HAS TAKEN OVER MY LOAN!
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use XXXX, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my XXXX score was XXXX, I told him he wasnt being honest, and emailed the XXXX score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
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| 03/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Westlake Financial is reporting Account # XXXX for {$14000.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Westlake to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Westlake and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. Westlake has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX, XXXX and XXXX XXXX.
|
| 06/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I contact Westlake Financial regarding account # XXXX on XX/XX/29 requesting an amortization schedule for my loan and the amount I would need to have only 9 payments remaining. The first agent I spoke to at XXXX gave me a suggested amount but couldnt confirm the amount and when asked for information pertaining to further details in the interest my call was disconnected and I was sent to the survey. I then called back again at XXXX and spoke with another agent whom I asked for the amortization schedule again who told me he had never heard of such a thing. He placed me on hold to contact manager who advised him that Westlake does not provide that information. I asked for clarification as to why and the agent said again we dont give out that information. Im not sure why Im being denied this info and why it is not available but it is a document I needed to proceed with a construction loan for a new home for my family.
|
| 03/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.
|
| 01/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
To whom it may concern a wrongful repossession occurred XXXX XXXX at my residence i the request of West Lake Financial Services on the morning of XX/XX/XXXX actions was taking place no court order was given prior to the repossession at said residence and a letter was sent out to them to correspondence via registered mail in. Seeking validation of and stating that it was not refusal to pay off the account but notice sent to them seeking information also requesting that no calls may given to me nor third party requesting to speak to me until notice to cure which is another violation I also they have violated my consumer my rights and caused damages to me financially and emotionally towards me my XXXX and XXXX this is unethical practice towards me and XXXX. I purchased this vehicle back in XXXX with down payment {$1500.00} from XXXX I was told it would go towards the note which was false that is another Violation.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.
|
| 10/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear XXXX and or XXXX. There is information on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transaction that are reported on my consumer report I am requesting that the reporting of this information be blocked and deleted. My request to block and delete is not made in error, nor is my request to block and delete the information made on basis of material misrepresentation the identified transactions are not made by me who is the consumer. ( 1 ) XXXX XXXX address XXXX XXXX XXXX XXXX DE XXXX : ( 2 ) XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX status : paid, closed XXXX written off ( this account paid ) and I would like for it to be removed off of my consumer report ( 3 ) XXXX XXXX XXXX account number XXXX account type : collection date open XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO : date open XX/XX/XXXX
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I've had my car repo twice with the company, my car has also been SHUT OFF several times before leaving myself and children stranded in the middle of the street at a stop light! My interest rate is out of the roof. My finance charge was at an illegal rate! When the car was bought the term of the loan was for 5 years at a little over {$17000.00} the car has never been worth the cost with it being a XXXX I've had the car for 3 years and my payoff is still over {$12000.00}! Company suddenly closed and transferred accounts to WESTLAKE Portfolio. The new company in charge of accounts have incorrect information and haven't been able to provide correct information or a solution. Warranty 's that have been paid towards doesn't exist anymore! The account shows closed on my credit report but was reported as delinquent when closed! It's unfair to be paying the new company, when the contract was never agreed to with them!
|
| 12/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
XX/XX/XXXX - refinanced car with XXXX XXXX XXXX. Called west lake financial and received 10 day payoff balance.
Wrote check signed. and mailed off that day.
XX/XX/XXXX- letter received from west lake financial thanking me for being a customer and states that they realesed of interest document to appropriate party. Stapled is original retail installment sale contract. Stamped paid.
XXXX-received statement reporting total amount due. XXXX due date : XX/XX/XXXX Everything is great, credit, bank, west lake financial, until ...
XXXX receive statement with payoff balance @ {$550.00}!!
Called company multiple times and Received attitude from collections and customer service and refused to settle or come to an agreement. And demanded their money and all of it. I have disputed with another credit company and they ruled in my favor and reverted my credit score back to where it was before my issue with this company.
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed unauthorized inquires on my credit report and wish to have them removed. references include.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
|
| 11/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I bought a vehicle from XXXX XXXX XXXX XXXX, Financed from XXXX XXXX XXXX, then sold debt to Westlake Portfolio Management. I was never told I had XXXX days to rescind the agreement nor was i was given the notices that came along with all consumer credit transactions.I participated in a consumer credit transaction and not a loan Pursuant 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with my consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me. They are in direct violation of this law. Violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, we are not liable for any finance charge, security interest, etc. becomes void effective immediately.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I bought a XXXX XXXX XXXX from US Auto sales around XX/XX/XXXX was supposed to have a XXXX warranty on it and a week later the check engine light came on. I tried to call and take it back to be looked at and the car lot was empty. Got an email saying they had to temporarily close the car lots but to still pay the bill through the finance company. Paid my bill then the people who took over called a month or XXXX later stating they were taking over and basically none of the money I put towards the car mattered and I would have to start payments all the way and not have my XXXX year warranty anymore because the warranty was voided when the car lot closed. So I been having to car out of work because the car has a coolant leak somewhere, the air dont work and I have XXXX kids that I have to take to school and football practice and games and the check engine been on since a week after I got it and it runs hot.
|
| 12/12/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested.
I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan.
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, my name is XXXX XXXX.
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed Westlake financial XXXX this account is closed XXXX XXXX this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself.
XXXX XXXX XXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.
|
| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
On XX/XX/XXXXXXXX I leased a car with an option to buy from XXXX XXXX XXXX XXXX . With bank statements and contract paperwork to back up my claim, I made every single payment on time. XX/XX/XXXXXXXX I called and spoke with a lawyer for XXXX XXXX, paid the lease balance and started the purchase agreement on the car.
In XXXX of XXXX I was notified to finish my payments at Westlake portfolio management and I have. My last payment is due tomorrow XX/XX/XXXX XXXX.i called today ( XX/XX/XXXXXXXX ) and asked about my title and where I can get it, I was told by the representative that I would have to pay XXXX to get my title and they have no record of my original contact.
I have paid XXXX dollars for a XXXX XXXX XXXX, I have worked hard and went without just to pay my car off. I don't want a free car I want the car I have paid off.
If they take my car I will not have anything. I will be at rock bottom.
|
| 08/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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I am writing regarding Westlake Portfolio attempted to collect a debt that was discharged in a bankruptcy. Westlake bought the auto loan for the XXXX XXXX XXXX from US Auto after the bankruptcy was filed and discharged. I reached out to my attorney who confirmed that although I stated I would keep the car, the debt was never affirmed by myself or US Auto. So basically while they have the right to get the car, they can not add accounts to my credit or attempt to collect on this debt. I disputed this with XXXX on XX/XX/XXXX and received a reply from XXXX on XX/XX/XXXX stating the debt is correct. I called Westlake on XX/XX/XXXX and ask that they remove this from my credit as this vehicle was discharged in a XXXX XXXX The rep told me that they just responded to transunion on XX/XX/XXXX, which they advised the debt is correct. I was not able to get any answers as to why, they refused my supervisor request.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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U.S auto sales sold me a car XXXX of XXXX. Ive been paying every 2 weeks and never missed a payment. Ive put in over {$14000.00} into payments for the XXXX XXXX XXXX. West Lake says I owe XXXX more for the car. My XXXX tags lien holder is us auto sales. It is not west lake. They do not have rights to the car. Even if I pay the car off I wouldnt be able to get the title. if US auto sales filed bankruptcy I havent received the titular or anything for the car. West lake is a debt collector and Ive given them {$600.00} after I found out that my XXXX lien holder is still US auto sales. Someone needs to give me a title or give me my money back. The car was {$18000.00} how do I still owe XXXX more payments out of XXXX its a mess and I need help with this matter. The car is breaking down and I paid for an extended warranty. No one can help me with this. I tried to trade the car in and no one wants to take it.
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| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state of Florida.
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
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| 06/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I paid {$8000.00} down in cash {$3000.00} down in trade in and when the first payment came due I was a few days past the 10 day late period due to helping my mom with travel to her XXXX treatment. I made the first payment with no issues the representative didnt say a word and accepted the payment, at the end of that week I got a call from the dealership saying my loan was canceled and that I would need to return my truck. I called Westlake financial only to find they infact canceled the agreement prior to my initial payment. When asked where in the agreement it states that they can do this they refused to answer I stated that state law shows that even after 10 days after the repo I can bring the account current and reclaim my property they refused to reverse the process and my truck was picked up and is now on it's way to auction. I have lost {$11000.00} and left with no vehicle because of their scam.
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without authorization, Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
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| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.
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| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I decided to refinance my vehicle with Westlake Financial. I received payoff check from XXXX XXXX overnighted to Westlake Financial. Westlake received on XX/XX/XXXX I called to verify. Representative told me that check had been received and to call back after XXXX of XXXX weekend to verify it had been processed which I did. The 2nd Representative told me she couldn't verify it was received after a week of going back and forth with Westlake I stopped payment on the XXXX and mailed the payment off again. This time I kept the tracking information because after confirming the original check was received I discarded the tracking number. During this time I have been charged XXXX a day of interest and been giving misinformation from Westlake. Account number was written on original check because I wrote it and mailed it off. Check was not received XX/XX/XXXX it was received XX/XX/XXXX per tracking number.
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| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Web |
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I went to XXXX for a consultation onXX/XX/2023 for laser hair removal for the buttocks, face and neck. I was informed of a payment plan. After my consultation appointment I received a call to sign paperwork. I signed the paperwork for a 36 month payment plan electronically. On Friday XX/XX/ I called XXXX to cancel any upcoming appointments and to cancel the loan. I was informed by XXXX staff they could not cancel or close any loans it would have to be done by XXXX XXXX since the loan had already accepted. I reached out to XXXX XXXX, they informed me that they were unable to close the loan out that it would have to be done by XXXX. Ive called both XXXX and XXXX XXXX on this matter every day for a week now. Nothing is being resolved. I have not paid anything nor have I had any treatments. I have been trying to close or cancel the loan two days after I signed. I no longer want services or treatments.
|
| 07/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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My unit was repossessed back in XXXX, i was advised the settlement amount that I paid would resolved the balance and I just had to pay for title. Ive recently had medical Ive been talked to badly as well as my XXXX party. I received a call on XX/XX/XXXX by a XXXXXXXX XXXX who was extremely nasty to myself as well as my XXXX party. My XXXX party was adviced unit will be placed back out for repo because XXXX was not paid. Per representative the title was apart of the settlement and because it was not paid the settlement is not cancelled. I was not advised any of this information I believe calls should be pulled because I was misinformed and mislead. I was not aware unit will be placed back out for repo for not paying a title. I called in today spoke to XXXX who told me Im a woman and sound like my XXXX he then hung up. This company has new n very stressful and has be given me deceptive information.
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| 06/07/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I obtained a Vehicle loan from West Lake Financial Services for about {$4800.00}. I had the vehicle in my passion for about 28 days. I was involved in a XXXX in which my insurance company deemed was a total loss. Insurance company only paid about {$4400.00} as they determined that was actual value. I had GAP insurance with West Lake Financial and was told it would cover the rest of the loan which it did. On or about XXXX XXXX, 2016 I made a call to Westlake Financial to inquire what my Balance was. I was told over the phone that I had a XXXX balance. For whatever reason West Lake reported a {$71.00} Charge OFF on my credit report. West Lake never notified me I owed them this money therefore denying me any opportunity to make the needed payment. This Charge Off caused a drastic drop of my Credit Score. It went so low that my main Credit line thru XXXX was closed. I lost my {$10000.00} credit line!
|
| 01/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWESTLAKE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE XXXX XXXX XXXX
|
| 05/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
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My wife and I got a title loan from Wilshire Consumer Credit about 4 years ago and last month I gave the lender {$150.00} for the month of XXXX, I was short {$48.00} of {$190.00} a month I pay, it was a bad month but I still paid partial payment. On the XXXX day Wilshire Consumer Credit repo my car without any notification to prevent from this happening. The contract was signed outside a XXXX XXXX in XXXX by my wife from a representative of Wilshire Consumer Credit that was in a hurry. My wife signed the contract without reading thier horrific terms. This XXXX XXXX will repo your car fast even if you are short XXXX cent on your payment. Times are tough now I have no car to get to work and my commute is around 50 miles each way. It will be a good thing for the state to look into these awful businesses that target the hard working poor citizens that are trying to survive in expensive California.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been trying to get the West Lake Financial Services to remove all the information they are reporting to XXXX regarding a wrong information since XX/XX/XXXX without any response. I sent several certified letters to them and have not get any answers. I disputed it thought XXXX and the answer that i got was that West Lake never provide any info and they cant do anything until West Lake provide that info.
I am hopeless this will never get fix because the credit department never replay the email and phone calls that I've made.
This is the company info : West Lake Financial Services Account XXXX Date XXXX StatusOpen.
They are reporting this to my credit but i dont have an account with them.
My SS # last four is : XXXX XXXX XX/XX/XXXX.
Please i need them to take this off my credit report, i am in process of purchase a home and it is making difficult to get approved.
Thanks, XXXX XXXX
|
| 04/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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I was sold a loan I could not afford. After paying nearly {$13000.00} as a down payment on the vehicle westlake refused to work with me when my household budget collapsed due to my wife having our child prematurely. I even consulted and considered filing bankruptcy with an attorney to help with my situation. But I was told by westlake financial the vehicle was already up for repossession and there was nothing I could do. After receiving this information we sold the vehicle to XXXX not 6 months after we purchased it and only got {$110.00} in positive equity back despite putting {$13000.00} down on the car in cash in XXXX of XX/XX/2018. And now westlake is continually delaying the overpayment check being issued because I mentioned I was consulting with an attorney. I also verbally revoked my consent to be contacted on my cell phone by westlake numerous times, but was still called by collections.
|
| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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XX/XX/XXXX I went to American car center and bought a car or in the process the price of the car is XXXX. I put down XXXX in cash. My payments are {$460.00} a month. XXXX of XXXX, I discovered that American car center was closed down. The website directed me to Westlake portfolio Management. I called they claim they were taking over the payments for American car. I never signed a contract with Westlake portfolio Management. They can not produce a contract for them nor provide me any evidence I owe them this debt. My warranty with American car center has been cancelled due to them going out of business and filing bankruptcy. Also, they have removed themselves off of my credit profile and dropped my XXXX XXXX down XXXX. They are illegally repossing cars, grand theft auto, tax evasion etc. Where does this leave me and everyone else? Please investigate this ASAP. Our lively hoods depends on this.
|
| 05/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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In XXXX XXXX I purchased a XXXX XXXX XXXX . In XXXX XXXX the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment ( XXXX XXXX ) to remain in a good standing making XXXX XXXX the next payment due. A month later in XXXX XXXX the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months WF responded. I have n't heard anything in months from them, On XXXX XXXX WF repossessed and I was forced to file Bankruptcy ch. XXXX to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My suv was in a accident back in XXXX. And my suv was towed off the highway and my son was taking to the hospital. The tow truck company lost my suv but when it was found my finance company said that the suv was abandoned but it wasnt I never missed a payment up until that time and I was never late.. The finance company was one day from taking my suv to auction but they had to stop because the suv wasnt abandoned. So I had to pay the tow fees. But on my next bill I had this outrageous amount on my bill saying it was a repo fee! Well I ask how can you repo a car that wasnt repossessed? They couldnt answer that question. And I also found out that they sold my suv to the body shop that was doing the work on the suv and he has the title! And Im still paying on the original contract of the suv.. with everything I have gone through I would like to be directed to a attorney to handle this further..
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Electronic bill pay cleared my XXXXk XXXX XXXX account for {$8900.00} to Westlake Financial Services on XX/XX/2022. Westlake is unable to locate that payment despite 2 proof of payment submissions from XXXX to Westlake via FAX. Westlake finally acknowledged receipt of the FAX, but they continually cite the inability to trace that payment on XX/XX/2022. Most of my phone calls end up with Westlake disconnecting me after several minutes on hold or many futile attempts to reach a supervisor. I did speak to a supervisor XX/XX/XXXX and she told me to call back on XX/XX/XXXX ; the supervisor was not working XX/XX/XXXX.
The XXXX payment was an early payoff but I have since had to make my XXXX payment so I would not be lenalizedfor late payment as Westlake said they may not waive any any late fees while waiting for their " investigation '' into the lost electronic transfer.
Account number is XXXX.
|
| 12/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I sent West Lake Porfolio, who took over US Auto car loans, a copy of my credit report showing the car had been paid off since XX/XX/2022, ( well before they received US AUTO ACCOUNTS ) no response from them after several emails to them explaining such. They have repeatedly called requesting payment and has added the account back to my credit report. Further I told them to stop calling me, for I had an attorney who referred me to you. They repeatedly called me. US AUTO was involved in a lot of fraud being investigated by the TRUSTEES OF THE BANKRUPTCY COURT FOR SUCH. I do not owe this debt, and I would like this matter resolved. W.L.P. is asking for proof that it was paid off. However, it was 2 years ago and US AUTO NVR GAVE ME ANYTHING- just a call stating it was taken care of, and removed from my credit report as they stated they would. This car was stolen, totaled and sold at an auction
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. Westlake Financial sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. Westlake needs to update my file ASAP and take the delinquency off my credit report. I called into Westlake several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
|
| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XX/XX/2014 I received a message through fax from XXXX XXXX the recovery specialist stating once I paid the full balance of XXXX Westlake financial service would release the title ( which they did ) and would update the info on my credit report as paid in full ( which they have not done ) it is listed as legally paid in full for less than the full balance. I paid the full amount and I have been disputing this for years through the XXXX and Westlake financial services. I have provided all the documentation as proof of this to XXXX and Westlake financial services. This has and continues to impact my credit and interest rates. Westlake financial services refuses to correct the information that is being improperly reported to the credit bureau. Recently I spoke with XXXX XXXX on the phone he informed me that he had looked over the documents and that the information is being reported correctly.
|
| 06/30/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Westlake Portfolio Management bought my car loan from XXXX XXXX XXXX on XX/XX/2020. I received correspondence that the amount due was {$420.00} to be paid on XX/XX/2020, but the actual amount due on that date was {$380.00}. In addition, I was sent correspondence that their records indicated I was participating in ACH withdrawals with XXXX, but this is not correct. Further, I was sent correspondence that my insurance was lapsed, or terminated. I called to ask about it, and when pressed who reported this information to them, they indicated the name of my insurer was " Your Insurance '' which is incorrect. My insurance did not lapse, and it was not terminated. The total amount due on the loan was mailed to me ( {$5400.00} ), and it was different than the total amount due on the loan reported online ( {$5400.00} ). I feel that the fraudulent information sent to me is an attempt to defraud me.
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/2023 I processed a transaction and had a contract that was established using my SSN as credit approval for the contract that was together. I asked for my right to recession paperwork and was told that they did not have anymore.I was told I had to put a downpayment which violates 15 USC1662 when a down payment is not needed when you use my SSN 15 USC 1602 ( l ) which is a credit card. I was also told that I had no choice but to get insurance 15 USC 1605 ( b XXXX which establishes there is insurance on the car. XX/XX/2023 I established my security with a XXXX File Number : XXXX XX/XX/2023 I sent off the paperwork to revoke XXXX, Right to Rescind, and affidavit Sent off the same information in a pack to the registered agent and in this pack was an affidavit, Right to rescind, Revoking a power of attorney, and a bill of exchange along with an explanatory statement and a XXXX statement
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I have a lease through XXXX XXXX, the lease has been purchased by Westlake Portfolio and I was never told about this purchase until I received a letter from Westlake Portfolio on XX/XX/2023. The letter was dated XX/XX/2023. I had previously tried to log into my account with XXXX XXXX to make payment and was not able to do so. I have no problem with starting my payments again now that I know who to pay, but I should not have to pay the total that they are demanding because I did pay for a warranty that is no longer valid and I need to purchase a third party warranty. I am also not going to receive the oil changes that was included with the lease. The vehicle also did not come with a spare tire or a jack which I was never told about. The only thing that was in the trunk area was a fix a flat kit. Had I been aware of this at the time of the lease signing, I would not have taken the vehicle.
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I paid off the end of my lease which was {$1200.00} at the beginning of XXXX so in order for me to get the title i have to pay {$3600.00} which is fine but they want me to pay it up front which i do not have that kind of money to do that i can not get refinanced through westlake portfolio management because of my credit i have called numerous time askin for more time one time i called a lady said yes they would work with me im like ok i calls back again another lady is telling me they can not work with me and was very rude about it and before they took over for american car center a while ago i asked about this if i wanted to purchase the car how long did i have to pay it off they told me 6 months this company has a lot of people there they give different answers each and everytime i call i just wanted till the end of XXXX to pay this off i really dont feel like that should be a problem
|
| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
On or thereabout on XX/XX/XXXX XXXX XXXX XXXX XXXX American Car Center filed XXXX XXXX Bankruptcy in the state of Delaware. As a result, WPMS servicing took over the handling of the account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX. American Care Center is breach of contract for failure to apply payments and down payments to this account. The amount owed to purchase the car is disputed in which WPMS will not provide information related to the purchase and contract. American Car Center has failed to disclose the APR rate and has changed these rates without notification or justification. American Car Center did not notify me of the change or sale of the account in the time prescribed by the consumer law. The Truth in Lending practices have been violated in transition of the account and title. The car warranty was never upheld resulting in out of pocket expenses with no ability to be compensated.
|
| 03/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On the website it States that I owe now more than I owed a year and a half ago. I owe over 6000 on a XXXX dollar loan and the payoff for 10 days was recently XXXX. They already repossessed me once and made it so difficult to get my car back when I was pregnant in XX/XX/2019. They are now telling me that i will be paying close to 15000 by the time the loan ends. All of it goes to interest and the car is not even worth that much anymore on XXXX. About 4000. I did a lot of research into this company and they are known for scamming people into thinking its something it isnt. I do not have good credit because of things such as repossessions and credit card debt and so my XXXX XXXX XXXX wont refinance me. They wont let me get out of this loan and I need to! Before I got a title loan I owned my car for 2 years paid it off for XXXX in 8 months. Now I have a child and I lost my job. Please help.
|
| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
XXXX XXXX sold my XXXX XXXX on XXXX XXXX. I had until XXXX XXXX to pay XXXX. On XXXX XXXX I called XXXX to pay the fee and get my car back. I was then told that my car had been sold on the XXXX of XXXX.
Prior to this my XXXX was seized at the border for reason of not my fault. I was not charged with any criminal charges. Now I was in contact with XXXX in the whole process of receiving my car back. XXXX paid the XXXX to retrieve my car from XXXX XXXX in XXXX XXXX CA. The car was not reposted for none payment, XXXX I never missed a payment. I received the letter from XXXX about the fees and I request the XXXX extra days to retrieve my car. That made it that the car could not be sold before XX/XX/XXXX. XXXX is still trying to charge me for the loan. I lost my car, all the money I paid towards it, as well as upgrades I had done to the vehicle. This was unlawful and unfair. Please help me
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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On XX/XX/XXXX around XXXX my XXXX XXXXXXXX XXXX was repossessed by westlake financial. The owner of the tow truck showed me that westlake financial has a tracking device on my car. I was not made aware nor did I sign a consent for the dealership or westlake to track my location. ( Civ. Code 2983.37 ( a ) ( 2 ). This is one of many of my rights that westlake financial has violated. I refuse to continue making payments on the vehicle due to my right to descend. A down payment was taken from me at the day of purchase which is also against the law. Westlake stated the will apply a XXXX credit to my account which was the amount of deposit I was asked to pay. They stated my rights were violated by the dealership and not them. I am in the process of trying to sue westlake financial for violating my rights and for emotional distress but it is a bit difficult since I live in a different state.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I applied for a refinance loan with my mortgage company XXXX XXXX and they pulled my credit report and advised of an existing auto loan. I advised them that i have never obtainened this loan. I disputed with experian as well as the consumer which is Westlake Financial. This account does not belong to me it is account number XXXX. I would like for this to be taken out of my credit report because it does not belong to me. Also another account with Wilshire Consumer Credit account that starts with XXXX was opened and i just requested to dispute with XXXX yesterday XX/XX/2022. I have no idea why these 2 accounts have appeared on my credit report but they are not my accounts.
Westlake Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX or XXXX Wilshire Consumer Credit XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I have emailed Westlake financial and have disputed the accounts with XXXX
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| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I'm filing a complaint with a auto loan lender named Westlake Financial services, XXXX, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX I've called Westlake which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
|
| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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I had a XXXX XXXX financed with westlake a few years ago. The vehicle was repossessed and ive been trying to reach them in the last month to settle the balance. The company that westlake placed the account with will not return my calls making it impossible to close out the account. I have called multiple times and no luck. See notes below XX/XX/XXXX - XXXX - Westlake Financial - XXXX - XXXX XXXX has the account - account # XXXX XXXX. They closed at 5. Will call back monday. XX/XX/XXXX - XXXX - account being handled by XXXX XXXX - XXXX extn XXXX - Unavailable. Will try again tomorrow XX/XX/XXXX - XXXX - No answer. XX/XX/XXXX XXXX - left message- waiting on return call. XXXX - XX/XX/XXXX - attys office called back - rep couldnt locate the account. Transferred to the rep that handles westlake. Left a message XX/XX/XXXX XXXX - left a voicemail XX/XX/XXXX XXXX no answer. left a message
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| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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Westlake Financial is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX
|
| 10/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company ( Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.
|
| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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West lake financial services located in California is reported on all XXXX of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on XXXX XXXX at XXXX in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I never received a copy of my loan or paperwork from dealership. I called Westlake financial and ask for a copy to be mail to me several time. Westlake financial have me in a very bad deal thats I wasnt aware of I was told one thing about how the interest rate. But by checking on line when I pay my car note my payment my loan never went down I feel I.was taken advantage of with this deal I also put XXXX dollars down on my finance charges for my car and its cant be not applied to my loan because my loan would have went down more then it has. After adding all my payments that was made. i honestly believe I have been scam.. also I was supposed to have a military credit applied to my car with I dont know if i received because I dont have any paperwork. I contacted the dealership and the salesmans no longer work that.. who was in charge of my deal. Im a a dead end with this auto loan..
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
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I purchased a vehicle thru American Car Center in XX/XX/XXXX. They Bankrupt in XX/XX/XXXX and Westlae portfolio took over. I DO NOT have a signed contract with Westlake portfolio. I NEVER received a letter, phonecall or email regarding these changes with my contract. I had a Warranty with XXXX and Westlae dlclaims they do not honor the warranty. I paid out of pocket {$1100.00} for repairs when I shouldn't have. I paid a lawyer to send a letter to Westlake demanding my money and Westlake has YET to respond 2 months later. American Car center BREACHED everyone 's contracts and now we are all expected to be ok with this. I've paid out {$11000.00} for my vehicle already which is well over the XXXX XXXX value for it. They have put so many people in a messed up situation and have been picking up vehicles even if they are paid up. I believe action should be taken against them for this.
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
American Finance went out of business without notice, and the XXXX XXXX XXXX where I got the car also went out of business and there's no one to talk to. I called about three weeks before they closed letting them know that my husband had passed away and I needed a lower payment, the representative I spoke to said she had sent my information to her manager and he was going to send me an email letting me know what he can do for me, I waited a week and still no email so I called back and I was told she had made a mistake and had to resubmit my information to her manager and I would hear from him in about 3 days, three days passed and I called back and was told the same thing, so I waited for another three days, and when I called back no one answered the phone at the finance company or the dealership, and that's when I saw on the news that they had shut their business without notice.
|
| 05/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON XXXX O F 2017 AND SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY : PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Im filing a complaint about the company US Auto Service Financing in XXXX, Ga. The company has continuously interrupted the service of my vehicle by using a kill switch to stop the motion of my vehicle. I opened the account with US Auto in XXXX of XXXX, have made monthly payments on my vehicle of $ XXXX but still found myself making extra payments to keep my car from being shut off. In XXXX of XXXX this company notified me that I would have to pay for Gap insurance on my vehicle although it was cover under my own personal insurance company that Ive had in order to get the car off the lot. As of XXXX of XXXX all location has been shut down and Us Auto sold my loan to another company Westlake Portfolio with out my signed consent. The inconvenience of this company cause me a tremendous amount in XXXX fee and cash rides needed to commute to and from work as my car was shut off.
|
| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I have stage XXXX XXXX and have been trying to refinance my car with my credit union. My credit union requires a copy of the title so that they can confirm that no one else is on the car title. Westlake has been refusing to provide the information to my credit union. Westlake said they require the request come directly from my credit union and not myself. When my credit union requested the information, Westlake said they would provide it in a couple of days. The required documentation never showed up. Now Westlake says they will not provide the information needed to refinance my vehicle as i battle this XXXX and can no longer work. It has now been over 30 days and my refinancing attempt must start all over again, which means running my credit again. This is grossly effecting my fiances and my credit reporting since i now have multiple inquiries that should not be necessary.
|
| 04/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I have a do not call on file with Westlake Financial Services. I paid my XXXX payment on XX/XX/2020 at XXXX. Westlake called me at XXXX REFUSING to give their company name and said they needed to talk to me. I repeatedly asked who it is and the guy REFUSED to tell me the company name. After XXXX the number I found out it is Westlake Financial Services. I am on their DO NOT CALL list, which I have it in writing. They can email me which I have received communications. Not working f/t because of COVID-19 only 20 hours a week has messed up my income. Then more collection calls to my cell phone -another violation-, of where the payment is and a {$30.00} late fee, which they refused to take off. I am not working full time people and need to pay rent and food. I have filed a complaint with the XXXX XXXX XXXX for the late fee. TELL THEM NOT TO CALL ME. EMAIL IS WORKING PERFECTLY.
|
| 11/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You are furnishing inaccurate and incorrect information to the consumer reporting agencies. reporting of such inaccurate information has caused severe damage to my character, my rep general mode of living and my ability to obtain credit for personal, family and houschold pu is also damaging my ability to obtain consumer essential goods. You and your inaccurate rep damaged my livelihood.
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer re agency if the person knows or consciously avoids knowing that the information is inace
|
| 09/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
West lake financial claims they did not receive my XXXX payment of XXXX. I was not informed about this until XXXX. When I contacted customer service they said they needed proof of payment. I sent them the attached bank statement which I had to get from my bank, showing where the amount was taken out of my account on the due date. They replied saying they needed to see the whole month of XXXX. My bank sent it to them and they claim it was insufficient and they need the transaction number. The customer service rep then said if we do n't receive payment today they will repo the vehicle. I believe I have shown them sufficient proof of payment, they took my money now I want it to show on my account it is paid. They also hit my credit report with a 30 day late payment that I want taken off. I have been paying on time and they have no right to be doing this to me or anyone else!
|
| 07/24/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) A person shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate With that said I wish to have items remove ASAP
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I am a former customer of US auto sales. I finance my car for {$22000.00} and the company closed down and sent my contract over to Westlake portfolio management which they are saying my account is delinquent when I have never missed a payment on my US auto sales car note. They say I still owe {$20000.00} on my car and thats impossible. Ive tried to reach out to Westlake portfolio management Which they can not explain to me why my car is still at a {$20000.00} balance after almost 2 years. They have yet to reach back to me about my claim But are continuing to threaten to repossess my car if I dont make payment. US auto sales did not report my payments correctly and Westlake portfolio management says they do not have my full contract from US auto sales at the moment but are threatening to repossess my card for a delinquent count when I have never missed a payment on my car
|
| 12/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.
|
| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My husband was in an accident on XXXX XXXX of XXXX.
We filed a claim with our insurance company XXXX.
The car was deemed a total loss and they sent a payment to Us. But due to a glitch in their system a payment for the loan was not made to Westlake financial services.
Us not knowing This happened, on XX/XX/XXXX I received A credit alert that my score had dropped dramatically dew to a delinquent account.
I checked to see what this account was, contacted XXXX and they went back discovered THEY had never sent out payment for vehicle that they deemed total loss.
I have a letter from The claims manager stating that this was indeed on their fault, and Westlake financial would not hear it.
I would like to try and get my credit score back because this is 100 % the fault of XXXX insurance, and without this being fixed it can cause further damage to myself in the future.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
hello i purchased a car from a dealership everything was great they got me a loan with a lender named westlake financial services in XXXX california i made my first payment without any problems but after 2 weeks from that time i received a call from the dealership saying that the bank return the loan to them and that i need to pay the car in full to the dealership or be repossess now the bank never called me about this i made my first payment to them without any problems i have a contract signed with them i dont understand what is going on i think there is a fraud here and im very XXXX because of this now i lost my first payment money and the dealership is threathning me that if i dont pay in full they will come with the police to take the car is this right? i cant afford an attorney i putted XXXX down for the car this is a nightmare for me and my family please help me
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.
Please fix the following accounts : XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$3400.00} Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me.
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I visited XXXX XXXX to view a car that was listed for sale. When I arrived I showed them the vin number and stock that I wanted the sales associate did not have the vehicle I wanted. They then said they would show me other vehicle. I decided not to do business with them. They did however informed me that due to me wanting to finance the vehicle they ( car factory ) needed to run my credit but would not submit it to other financial institutions as they do in-house financing. I agreed. However on my credit report it shows 2 other inquiries that I did not authorize. Westlake and XXXX XXXX XXXX I called XXXX and was told I could not dispute it, I had to reach out to the company. However when I did I was as not helped as they could not find my information in the system. I would like some assistance in having these inquiries removed as I did not authorize them
|
| 09/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Sent first certified letter XX/XX/XXXX explanation of a formal dispute requesting inaccurate information on my credit report showing that I was late 30 days or more late on my car payments in XX/XX/XXXX, XX/XX/XXXX. West lake financial received first certified letter on XX/XX/XXXX, they failed to provide me with any requesting documentation that I was late on my payments, however after 30 days time frame nor did they acknowledge my dispute my placing a remark on my credit report in disputing this matter.
I again, followed up with the second certified letter 31 days after sending the first letter, and yet again they failed to acknowledge any of my correspondence about this late payments, requesting documentation. I patiently waited until the 30 day expiration date and they failed to acknowledge my certified letters once again.
Third attempt, was also unsuccessful.
|
| 08/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
After moving states I started having issues with them losing my current information and when I want to make a payment early or the due date it will only give me error codes, I have been having these issues for 2 years and I have to wait till its late and receive a call from them. Then I have late fees and it hits my credit it for being late, even tho I try to make it on time. I spoke to a supervisor months ago and was laughed at and told that their side has different information and have to pay with card with additional fees or they will take the car. They never help and have complain multiple times to them and its the exact same every month. I finally called around for help and found you guys. I really need help because the moment I got the car I been pushed back into a corner with the dealer ship and west lake. I am unable to refinance it due to the late payments.
|
| 06/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
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.
|
| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint
|
| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}.
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake.
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
the vehicles transmission went out Westlake Financial refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being
|
| 08/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
i think this company is some sort of scam. because all of the cars we've bought, have been paid off in full in less than 3 yrs. the name she said was XXXX XXXX and the number seems to be from XXXX. she first tried identifying me by asking for my name then went on to ask for my phone or cell phone numbers. and then she went for the SS #. that's when i stopped her and asked was that some sort of scheme. i just called them back because they've called daily now for about 4 days sometimes twice in one day, but never left a message. so i blocked them and called them back to see if maybe they were trying to get in touch with someone else. once i told her about the SS # she started back peddling and telling me it was an automated dialer and she would take my number off. because i told her if they were some sort of schemer i would call the police. this is their phone XXXX.
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| 11/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them.
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX
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| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX formally located at XXXX XXXX XXXX, XXXX XXXX XXXX is no longer in business as of XX/XX/2023.
I reported with west lake financial they said they will try to get the title it has been 8 months to almos 9 months and they dont give me no answer the car have expired tags I cant drive it like that, I went to the XXXX and they said that is like the car doesnt exist, I call west lake they dont give an answer and they even hang up on me I paid {$870.00} every month plus {$200.00} for insurance for the car to be just park, I cant even refinance the loan with another bank because there is no title, I dont know what to do because west lake just said that I have to make the payments and I return it it will ruin my credit. Please help me, I even taking XXXX XXXX XXXX XXXX because I feel like there is no help in my case.
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| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
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I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX XXXX XXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX XXXX XXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report.
Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX 5 . WESTLAKE FINANCIAL SVC 6. XXXX XXXX
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| 09/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have applied for cars few times and westlake bank pre aproved me and I was aproved for {$150000.00} credit limmit with no money down and now they are trying to make me pay a down payment.
The problem is I'm being discriminated against because of my credit score. And if the want me to pay a down payment they have to make everyone els pay the same down payment or they're breaking consumer credit laws.
15usc1662 15usc1602 12cfr1002 15usc1691 15usc1601 15usc1681 12usc 408 Cause they ilegaly got my credit score and ssn and did not give me any benafits, that's credit card fraud.
I warned them and gave them every opportunity to obay the law and I'm giving you cfpb one more chance to do what your supposed to do or ilk be filing charges and lienes on you. Do your job please and put them in their place. Don't be a trader to america cause some people don't XXXX around
|
| 01/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.
I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.
|
| 02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. Westlake financial services has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked XXXX to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.
|
| 03/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I'm inquiring to find out if Westlake wants to pickup or have me return this car. I am 20 days past due and have been harassed every day for the past 20 days. I Have been written up twice at work due to these disruptive phone calls. If this is how Westlake conducts business I'd rather you ask me to return your vehicle because this is insane. I am not going to lose my job do to your representatives constantly harassing me. I could understand if I was 1-2 months behind, but this is ridiculous. I explained to customers service in XXXX I had an unexpexted funeral to pay for and I would be less than 30 days behind for a while until I can get back on track. Why am I being harassed? The screenshots provided shows just one of the numbers calling. There are also calls from 3 additional other numbers. Constantly... all day. Please advise me if you want your vehicle back.
|
| 07/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
I purchased a vehicle and the car company provided myself and the loan company Westlake Financial. This was discovered by the car company after I made my first payment. Since then the loan was cancelled with no notification to me and restarted by the car company and loan company on their own. My credit rating dropped from XXXX to XXXX because of their multiple credit checks even though the loan had already been approved and I had made a payment. Now this morning I was awaken at XXXX this morning for what the supervisor said was a mistake. When I asked why I was being awaken he said it was a mistake. I asked why he called and he did seem to be able to answer that question. When asked to speak to someone with some authority I was hung up on. This borders on harassment. This company is ranked as a weak customer service loan company in their reviews. I can see why.
|
| 08/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
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I called Wilshire Consumer to pick up my vehicle due to a domestic incident with my estranged husband who had my vehicle towed for illegal parking. They do business with Westlake financial. I tried to refinance the loan with them to assist me with retrieving the vehicle but they denied me, but offered to pick the vehicle up for me. It took them so long for Westlake to get my vehicle that the towing company where it was located had made attempts to auction my vehicle. Once Westlake got my vehicle I had to pay almost {$2000.00} to get it out of their possession. They vehicle paint was damaged and undrivable because they had took my vehicle out of my name and put it in the name of Wilshire and they refused to send me any paperwork to register my vehicle. I am the sole owner of my vehicle and I have in my possession the title. The vehicle is no longer operational.
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To whom this may concern I am following this complaint for US auto located in XXXX Georgia. I bought a car with a warranty they close abruptly and transfer the entire balance to the new company, which is a WestLake financial. I was told that I have no warranty on my car and my car is been in the shop for months. Ive paid over up {$1000.00} to have it fixed when I shouldve had a warranty to fix my car I still been out without my car for months now and they have no answers and cant help me. I have contacted a lawyer to try to sue them to have this car removed from my name to die can get a car that I can drive as well as all down payment and monies paid to this car does not show with the new loan company. I need this car removed from my name and return to Westlake so that I can purchase a car that I can drive. This is fraught on every level. Thank you in advance.
|
| 03/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016.
We recently had a issue with the Finance company Westlake Financial in California.
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I acquired a loan in XX/XX/2016 from Honor finance. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it Honor finances warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by Westlake portfolio they unexpectedly readjusted the terms set by Honor finance. Westlake portfolio forced me to.pay the deferred payments plus penalties in addition Westlake portfolio removed Honor finance from all three credit bureaus I called Westlake portfolio to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
|
| 11/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full.
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus.
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.
|
| 09/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
XX/XX/23 - car was repossessed by Westlake Financial Services without notice through XXXX or to me ( customer ).
XXXX called Westlake Financial Services with an officer and could not be identified through this company. Was told by police that no lien was on vehicle. I purchased car from American Car Center and financing through American financial and they closed without notifying customer and deleted account.
XXXX contacted " XXXX '' from Westlake and was treated very rude and would not give me any information concerning vehicle but demand a payment of {$1300.00} to have the car released to me but I have to give him my card information over the phone. I could not set up account and pay online. I was given by " XXXX '' from Westlake Services two phone numbers that is fake to the recovery because he told me I had to pick up the vehicle after I paid him.
|
| 11/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They will not email any documentation. They would not speak with other dealership to get a payoff. In my opinion this was all done to keep you in there loan to make money as well as make it difficult to make payments for late fees and repo. I understand that many companies use outsourced for customer reps but this was the absolute worst I have ever experienced. So pay some random person on the phone hundreds of dollars a month and hope it gets to your account. Good luck trying to escalate to a supervisor or another department. They just hang up over and over. They are crooks and scumbags.
As you can see from their form letter response that they just insert a name they clearly are clueless. They spelled the name of an aggravated customer wrong. Cut and paste is too difficult for them to get right. This company and every employee is completely incompetent
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My father passed away at the end of XXXX of 2022 and I was trying to settle his account. I was first told by a representative they would talk to me after sending in a death certificate and my driver 's license. After doing that I called again because I had not heard from them. They said they would not talk to me because I was not the informant on the death certificate. After speaking with many of the reps and trying to speak to managers, that were extremely rude, and I was hung up on multiple times, they finally came and picked up my dads vehicle. 1 week later, even after sending them a death certificate, they are still sending my dad letters telling him he is obligated to pay his vehicle off. This place in an absolute joke to work with, the people are not personable, and I have been lied to on several occasions. DO NOT work with them if you can help it.
|
| 06/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
I got into a car wreck on XX/XX/2022. My vehicle was immobile. I have insurance through XXXX and after performing a proper estimate the vehicle was deemed a total loss on XX/XX/2022. XXXX 's total loss department and I XXXX XXXX have tried on multiple occasions to in contact with the insurance department of Wilshire and no one would answer and we would get sent to a survey. XXXX wants a perfected title with Wilshire as the lien holder and it has yet to be given. It is causing me and my family to be put in a predicament where we have to come unnecessarily out of pocket for rental vehicles and also not have the remainder settlement amount to get a new car. Again XXXX needs the perfected title to pay off the loan amount and to release anything additional to me. Wilshire has been everything but helpful and has sent us on complete runarounds about this issue.
|
| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a title loan for {$1500.00}. I agreed to pay XXXX a month for 36 months. In XX/XX/2019 during the coronavirus lock down I called to ask if theres anything that they could do to help me out during this lock down time. They said no problem. They could let me skip the month & tack on the missing payment at the end of the loan. I said all I would owe is one additional months payment of {$260.00}? They said yes. I have paid every single month by the due date & expected to owe one more additional month, now theyre saying I owe an additional {$2700.00}. That was never discussed. Or even implied. I have paid over XXXX for a {$1500.00} loan, on time & no one ever said Id owe an additional {$3000.00} for extending one {$260.00} payment to the end of the loan! Please please help me. This company is ripping me off & lying about it. I dont know what to do.
|
| 05/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
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.
|
| 05/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX VIN # : XXXX ) for {$14000.00} financed by Westlake Financial. The car dealer advised me to obtain GAP INSURANCE since the value of the car is less than the loan amount. I paid {$160.00} for the Gap Insurance thru Westlake Financial.
On XX/XX/XXXX the car was involved in an accident ; XXXX declared the vehicle a total loss and sent an amount of {$9400.00} to Westlake Financial. The GAP Insurance was supposed to cover the remaining balance of the loan.
To my astonishment, Westlake Financial sent me a bill for the remaining balance and I have to make a payment of {$240.00} on XX/XX/XXXX. I contacted them many times ( spoke to XXXX XXXX once ) and they kept telling me that they will remove the balance. I asked them to send me an email confirming that they will remove the balance, which they never did.
|
| 05/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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
|
| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
Hello my name is XXXX XXXX with a false mark on mine and my sons credit report! In XX/XX/XXXX, I co-signed for a truck loan ( XXXX XXXX XXXX low miles, very clean for {$11000.00} at 19 % interest, for 48 months, at XXXX a month ). He paid on it for a year and he unfortunately got XXXX and it disabled hi for continuing paying Westlake Financial Services Inc . He tried to work with them and they never let me know and they came and repossessed it. They sold it at auction and sent me a paper, not a bill of sale. There was know information about the sale - how much, where, when and who. the have there own auction company through Westlake. They indicated it sold for {$1100.00} but hard to believe with out proof that we still owe {$11000.00}. This seems to be very bad and fraudulent business habits. Can you please look this over seems to be illegal? Thanks!
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XXXX XXXX financial harasses me they call me back to back to back up to 6 times in a row if I dont answer. They call me over 7 or more times in one day, every day. They call me weekends sundays, up till XXXX! They call me from many different numbers over a dozen different numbers. They have found my parents home number and call them. They asked me to pay more than what my fees are. They dont ask me they demand me to pay. Its getting out of hand its been going on for months. I took the sales man to court because he sold me a lemon car but he lied and he got away with it. Ive been laying everything thays broken out of my own pocket, I dont have enough to be paying almost {$700.00} a month on top of my bills and paying over XXXX or more for the broken car I got sold. I have made a claim with them before they said they could not do anything about that.
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Hello and to whom it may concern : My name is XXXX XXXX XXXX I have two separate accounts XXXX XXXXXXXX XXXX. The concern is in the regards of my tag registration for my XXXX XXXX XXXX XXXX that was purchased from USAuto Sales XX/XX/XXXX. I have been trying my best to get in contact with someone to assist me with the issue of receiving the paperwork needed to get my tag since XX/XX/XXXX. I keep getting the run around with the previous owner USAuto Sales and found out that was due to the company going out of business. So I have been diligently searching for the same information from XXXX XXXX XXXX and this is where it's led me. Can someone please give me a call ( XXXX ) XXXX or email me ( XXXX ) at your earliest convenience. I am worried that this extreme gap in time-frame is going to cause me to be penalized ( $ $ $ $ ) at the DMV in a major way.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request.
The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX OF XXXX XXXX ( XX/XX/2022 ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible.
I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification.
|
| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
Im in the XXXX, I got this car for 21 % arp, which the Finance guy at the dealership said I would be able to refinance in 6 months. Listening to my brother I was fine with bitting the bullet for 6 months with a payment of {$440.00} each month. The dealership didnt have in my packet that I was XXXX XXXX so this I got the loan off of for XXXX for my car was charging at 21 % which one day I was told they didnt even have In my loan that I was XXXX and if I gave them my XXXX XXXX orders that I Would qualify for lower interest rates. Since months go by I try to put in a request and receive nothing back from them in the mail or email. Calling them about 2 times every week to see if there is any progress with and after about 4 months of going back and fourth Im done paying and I want my payment lowered this company keeps giving me the run around Im done
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
I called Westlake financial to notify them that I never got disclosures that I was due pursuant to 15USC6802 they sent me my payment history After months of back-and-forth, they told me that they'd send it in a privacy policy at the end of the year. I told them that I wouldn't have to wait till the end of the year. Because these are disclosures I shouldve go supposed to have got at the beginning When I got the auto. I stopped paying them and notified them. That I was going to take action if I didn't receive my disclosures. They then altered my contract on my auto loan. So I continued to not pay Until the legal department reached back out to me which they had and done for months at this point. And their reporting to consumer reporting agencies incorrec And their reporting to consumer reporting agencies incorrectly. An repoed my car this morning
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the credit report as soon as possible.
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit report account under an open end consumer credit card plan as late for any purpose.
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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Date XX/XX/XXXX Amount XXXX $ Try to payoff if it is XXXX $ Company : Westlake financial services Auto loan.
Hi I purchased a new car on XXXX with high interest. Now in pandemic emergency situation I am in financial bad situation and cant afford pay this high interest payment. I offered company that if the payoff amount is XXXX XXXX I will try to payoff whole amount.by borrowing money from my family members.
But company did not approve my offer. I want you to fix this problem. I am in deep financial problems because of COVID-19 pandemic emergency situation. I sing contact XXXX and that time there was no situation like today. My XXXX business went down 70 %.
Please help me to solve this problem and safe my life. I am in deep financial problems. In COVID-19 emergency situation lot of company laws are being compromised. Please help me Thanks
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| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
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How you doing my name XXXX XXXX Contacting you all today my application was denied for a auto loan as I was pre approved pre approved means approved with a XXXX XXXX XXXX thats false and misleading you cant deny me with extensions of my own credit.
I know Im the consumer and the original creditor.
Credit dont matter the laws matter thats consumer law 15 usc 1611 also 15 usc 1605 I practice law.
You all giving me false information willingly & Knowingly because its public information if its public information you all should know it. Also you all ask for a Downpayment the finance charge is the sum of all charges including gap insurance and dealer fees.
I provided my check stubs verification of income I have a new bank old bank with deposits got hack can you get me over to the legal team please to discuss these laws?
My contact XXXX Thanks
|
| 12/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I dispute that my account was ever 30 days past due. While there is record of late payment on my account, all my payments were made before 30 days from the prior due date. I know this because i have bank records as well as a record of all my payments. As well as contact with the financial institution several times during the months of which they claim I was late and they have the recorded calls and it was never at any time mentioned to me that my account was 30 days past due. I know this because they would have reported this late status to the credit bureaus, which they never did until it was time to close my account, that of which I had already paid in full on the principal balance and it was only fees that remained. They have reported various dates of 30 days late in XXXX on one report, XXXX on another, and just for the account in general.
|
| 08/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I GOT MY XXXX XXXX FROM US AUTO SALES IN XXXX SC IN XXXX. I MADE PAYMENTS REGULARLY AND ON TIME. WHEN I WAS LATE ON A PAY MENT WHICH WAS NEVER MORE THAN 7 DAYS I HAD TO FIND OTHER MEANS FOR TRANSPORTATION. SOMETIMES THIS INCLUDED ME STAYING OUT OF WORK BECAUSE MY CAR WAS DISABLED BY A TRACKER THAT THEY TOLD ME WOULD HELP IN CASE OF THIEFT. THEY WOULD DISABLE MY CAR AND IT WOULD REMAIN DISABLED UNTIL I MADE A PAYMENT. ONE DAY I MADE A PAYMENT THEY STARTED MY CAR AND THE VERY NEXT DAY IT WAS DISABLED AGAIN AND I WAS TO MAKE ANOTHER PAYMENT BEFORE I COULD DRIVE THE CAR AGAIN. I WAS FORCED TO MAKE OTHER ARRANGEMENTS THOUGHOUT THE WEEK.
I WAS DOUBLE BILLED FOR CPI EVEN THOUGH I PROVIDED PROOF OF INSURANCE FOR THEM THEY STILL CHARGED ME FOR INSURANCE AND AN INTREST FEE THAT MY PAYMENTS WENT TOWARDS INSTEAD OF MY FINANCE CHARGES AND GAP COVERAGE
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| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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I had a car load with Westlake Financial Services. The loan was paid off but there were fees unpaid totaling {$350.00}. They sold this debt to XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I was contacted by XXXX to settle for 40 %. I made the payment on XX/XX/21 in the amount of {$140.00} which is what they asked for. I was informed they will notify the creditor and I will receive my title. I never received the title and then the car was stolen XXXX of this year. I reached out to Westlake Financial first and they said they were never notified of the debt being paid. I then reached out to XXXX who said they sent all their records to XXXX. I then reached out to XXXX who told me XXXX still has records and can supply me with them. I have been calling for months and its just a circle of no one helping me and I still can't get my title.
|
| 07/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
Hello, My name is XXXX XXXX. I bought a Used XXXX XXXX XXXX on XX/XX/XXXX. During the sale of the car at XXXX XXXX, in CA, I put a downpayment of {$10000.00} and I was told by the dealership financial officer that Westlake Financial Acc : XXXX is not going to finance my car without a GAP, Extended Warranty, and Extended Maintenance. Before the options my car payment is {$680.00} and after it changed to {$800.00} After doing some research and I found out that I might have been scammed.
I need CFPB to look into this matter.
" By Law, a lending institution can not require a customer to purchase an extended warranty, GAP insurance, credit life, disability, or any other backend finance products. '' PS. I am having a hard time sending my car contract to you through the website because my file is too big. What should I do?
Thank you XXXX XXXX
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| 09/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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|
Web |
Servicemember |
|
I have wrote to all Credit Bureau to have this debt with West Lake Financial removed from my credit report. This debt is over seven years and West Lake Financial is reporting it as a new debt and placing it back on my credit after removed. I never agreed to a payment arrangement on this with West Lake Financial because I'm unable to work and the bill is over seven years old. It is a violation of law for a collection agency to report old past-due amounts as if they are new again. If an agency persists in reporting old debts with updated activity dates, I may have a legal case against them. West Lake Financial is reporting a debt that's over seven years on my credit report and hindering my credit score. I would like this removed once again off all credit bureau and not to be replaced again as if I open a new contract with West Lake Financial.
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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|
Web |
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In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX.
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC.
I went on to inquire about my settlement put in place by XXXX XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.
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| 11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX tx. I asked for a XXXX they said that they don't do XXXX. I purchased the car XX/XX/XXXX XXXX took the car back because of mechanical problems 3 times. In XXXX I started getting calls from Westlake Financial I called and asked why they said that they are taking payments for XXXX XXXX. When I first went to XXXX XXXX XXXX they said that Westlake would take me as a customer. Ok I went to trade the car in and I'm told that the car has a total loss on the title Noone at XXXX told me that I'm stuck with this car that has no value to it. Fraudulent Sales on behalf of XXXX XXXX XXXX. I was sold this cat for XXXX dollars payments XXXX per month my insurance company only let me put liability on the car because it is a salvage title I want my money back and this car is reporting on my credit.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WESTLAKEFIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
|
| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
WESTLAKE PORTFOLIO MANAGEMENT company took over us auto sales accounts. They did not notify us auto sales customers prior to the account change. I called XX/XX/XXXX to make a payment thats when I discovered my vehicle was now being managed by Westlake portfolio. I spoke with a representative and they tried to assist with making my payment over the phone. They were unsuccessful. I then received a letter in the mail with the wrong state and zip code. I called Westlake portfolio again and asked them to update my billing information because they had the wrong one on file. I also asked for them to set up a payment arrangement because I recently moved out of states and was not working at the time. They refused which later resulted in them repossessing the vehicle. When I went to pick up my belongings out of the car several things were missing
|
| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
American car center closed its doors like right after all the papers were signed for my buy out of the lease i was waiting on my title with them as lien holder for the amount of XXXX no finance charge that included the cost ofXXXX for tags and license which I never have received I did not know where to make payments until XX/XX/2023 at that time I requested my tags and they gave me the run around I call weekly trying to get someone to help I felt like that if I kept paying my payment Id never own the vehicle so I stopped making payments they now have repossessed my vehicle I was never late on my payment to American car center I paid them well overXXXX dollars and I have now lost that money because the didnt hold up to their own contract of providing me with a title so I could tag my car and drive it cause my tags went out in XX/XX/2023
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a car in XXXX from US Auto Sales with a two year warranty. It came time for me to use my warranty go get some repairs done and when I called the warranty company they advised me that my warranty did not exist because US Auto Sales never paid and they havent been paid in a very long time. {$2800.00} is added into my purchase agreement and XXXX can not even use it. U.S. Auto Sales has closed all of their dealerships as of XX/XX/2023 and transferred all of our up-to-date accounts to Westlake Portfolio Management, a debt collection agency. How is that possible when my account was never in default? Now my credit is taking a downfall because of it. US Auto Sales is also ordering repossessions on vehicles. I was told that they are doing that so we can get a new contract with Westlake and get the cars back. Im disgusted with this.
|
| 02/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Dear Westlake Financial and Westlake Portfolio, I am writing to request investigate of the following information that appears consumer credit report : Dispute 1 Amount : {$25000.00} ( down payment included ) Years associated with item being disputed XXXX Explanation of item being disputed : The account in question is showing past due/delinquent payments and repossessed by this company. I havent sign a contract with Westlake Financial or Westlake Portfolio and have been requesting for a contract. I made attempts to get this matter resolved by calling Westlake with hopes of a supervisor help to resolve this issue. A request for a manager and supervisor email was ask for communication during this issue but no response. Now with that Westlake has violated many laws : 15 USC 1692a 15 USC 1692f 15 USC 1692k 15 USC 6802 *Laws Are Attached
|
| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
Purchase and sign for a XXXX XXXX XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX and Westlake financial. XXXX weeks later I was told by Dealership that my contract fell through because I couldn't be verified. I was already verified with fiance company on XX/XX/XXXX. Dealership stated that I need to find someone else to fiance after he ran my credit through another company. I eventually found a company to fiance but the price went from XXXX to XXXX. I refuse to fiance XXXX because the price advertised was XXXX. In the process the truck broke down and I paid for repairs and I told company this. On the XX/XX/XXXX Dealership stated I need to bring truck in until things are resolved. I ask about down payment he stated that fiance company has money and that they will refund the payment. I need help nothing makes since about this deal
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX. I have been paying them on time.They went bankrupt and Westlake Portfolio management which is a debt collector has been calling me trying to get money from me for this car. but they do not have my contract with a wet signature nor are they a lien holder on my car.They sent me information saying i have to pay them {$25000.00} for this car.i only bought the car for XXXX and have been paying for a year so that isnt correct. i call them and try to talk to them about it and my concerns but they just keep demanding payment or they are going to re-po my car.i am a XXXXXXXX XXXX and i am under enough stress.i feel like what this company is doing is illegal.how can they start a new contract for more money? i do not trust this company and only get angry representatives on the phone.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased my car from US Auto Sales on XX/XX/XXXX, I made every payment on time each month. The car was totaled on XX/XX/XXXX and this was also during the time US Auto sales went out of business transferring my account to Westlake Portfolio. My insurance company settled and paid Westlake Portfolio XXXX leaving me with a balance of XXXX in which I also had Gap coverage. The Gap XXXX XXXX XXXX has informed me that they have closed my case due to non response from Westlake Portfolio. I spoke with the XXXX at XXXX and he has asked Westlake for my payment history from XX/XX/XXXX up to the total loss date. Westlake can only provide from XX/XX/XXXX and state that they do not have any payment history prior to this date. I am at a loss because my payment history has been lost and I can not get the car paid off without it. Please Help!!!
|
| 06/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On XXXX XXXX I went got a personal loan to pay off my car. Well on XXXX XXXX the check was cashed but Westlake said the check did not have proper documentation with it. So they had no where to apply the funds. On XXXX XXXX they came to repossess the car. Had already had the funds but did not apply the credits to my account. Well after calling and calling and then hanging up the phone. I got to speak with the lady that gave me the pay off amount. Again she stated the documents were incorrect and repossession was accurate. is not fair as a loyal customer to Westlake for years for them to take my money and want me to pay more. I feel Westlake owes me back for their mistake. I lost work for a few days and had to come up with extra money to get the car back after them cashing the check for the amount they said was owed. Please help me
|
| 04/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
As per the XXXX case XXXX, the dealership XXXX XXXX XXXX fraudulently sold myself, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The bank, Westlake Services Inc/ dba Westlake Financial Services is aiding in the fraudulent activity of the dealer after being provided all necessary timely documentation. Neither of the two has paid back what was owed to me. The dealer sold the vehicle as merchantable and repair to render, when it was not, overcharged the vehicle registration fee, and signed the contract under the wrong name and license, making the contract null and void. These are the only 3 know laws that were broken by the dealer as per NYS VAT Law. I have not had a reliable method of transport for almost 2 years and would like any assistance that you can provide. I will provide a few of the necessary documents where allowed. Thank you.
|
| 12/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I bought a car at the car lot, from a dealership in XXXX on XXXX XXXX XXXX, called XXXX XXXX. XX/XX/XXXX i purchased a XXXX XXXX XXXX. The bank that financed me was XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ca XXXX. There phone number is XXXX. I drive off the lot with the XXXX XXXX XXXX. The car broke down less than a hour of buying it. I took the car back to the lot and gave it back to them. They insured me they would fix the car. Long story short a week goes by I don't hear from two weeks go by I don't hear from them and all of a sudden they went out of business. They had my car and my money that I put down for the deposit. I later found out that the same company that ripped me off kept a bunch of other people 's diwn payments. Now this car is sitting on my credit when I disputed it over and over and over, that i was scammed.
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I am filing complaints against Us Auto Finance for closing and file bankruptcy without my acknowledgment and that my kill XXXX doesnt stop beeping and complaint against Westlake Portfolio management for not providing that they have my contract with my signature on it, I also what a refund for my GAP insurance in the amount of {$690.00} that they dont honor that I paid for and not honoring the deferment of {$590.00} that I paid for and charging late fees that are not in the original contract. I have requested many time for my contract with my signature, also my credit was hit very hard, westlake hasnt report to any of the XXXX credit companies, I want the refunds for Gap and deferment amounts and my credit fixed ASAP or as for the deferment amount be used for my XX/XX/XXXX and XX/XX/2023 be used for those payment dates Thank you
|
| 08/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We purchased a used XXXX XXXX in XX/XX/XXXX and financed by Westlake Financial. Then in XX/XX/XXXX the registration was due. It seemed high but we paid it. In XXXX of XXXX it was due and was really high again. So while at DMV we inquired why. Seems their is an error on title on the XXXX XXXX so we are being charged as if it is a new vehicle. 3 times higher than it should be. To correct it the DMV told us to send the document to our finance lender so they can return title to DMV to be correct and then they will send it back to Westlake Financial and then we can ask for a refund for those extra fees. But Westlake Financial hasn't responded to the request. We have emailed the document on 3 occasions and spoke to someone almost every week since XX/XX/XXXX. As of today, XX/XX/XXXX the DMV has not received title back to correct it.
|
| 01/23/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
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
|
| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I open a auto loan back in XX/XX/XXXX with XXXX XXXX and made 72 monthly payments per contract on time original contract was for 72 terms loan bal XXXX which all payment were made on time with auto draft from banking after the 6year was up account was sold to a third party name westlake portfolio management which the bal is now XXXX I have been reaching out since XXXX request a copy of my contract as well as the payment history which still havent been sent I was advise to send in my running bank statement showing all payment were made I did. was advise that somebody would give me a call back nobody ever call I recvd a letter dated XX/XX/XXXX that a extension was approved I have never requested help called westlake spoke was sup and was hung up on at this point I need this account closed and off my credit and my title release
|
| 02/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
In early XX/XX/2020 I purchased a use auto from XXXX 's XXXX in Washington State. At the time of purchased I was given paper work of my loans amounts and interest rate. After I left the lot with my new car, I received a call a couple of days later informing me of changes to my loan. The Financing Company is Westlake Financial, my interest rate and loan payment were higher than what I understood it to be. I did discuss my concerns with the dealer about my rates, I feel I was deceived and misled into a purchase without full disclosure of the rate I would ultimately would have. I was badly in need of a car, the dealer knew that and I feel they took advantage of my circumstances. I tried to call them to discuss the rate and request a lower rate they said there was nothing they could do, they said I could not bring the car back.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I entered a contract with the previous company known as XXXX XXXX XXXX. There was predatory actions noted throughout this transaction.
XXXX ) The car was only worth XXXX but marked up to XXXX with the finance charge and other fees marked it up to more than XXXX XXXX ) XXXX was partially my means of income. The agent said that my XXXX income wasnt important and it would be best to not include that in the application. After filling out the bulk of paperwork and after being there for XXXX hours, I was told that the car could not be used for XXXX and that the paymenta were due every XXXX weeks along with the vehicle have a passtime device that woukd switch the car off if the payment was late. Being that I couldnt use the car for XXXX, I couldnt keep current on my payments which caused the car to be shut off multiple times.
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report.
XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report.
XXXX # XXXX - Collection This is not my account, I have no knowledge of this account please remove it from my credit report.
WSTLAKESVC # XXXX Collection This is not my account, please remove this from my credit report.
XXXX XXXX # XXXX - Collection I have never done business with this company please remove this from my credit report.
XXXX # XXXX Derogatory This is not my account, I have no knowledge of this account please remove it from my credit report.
XXXX XXXX # XXXX - closed This is not my account, I have no knowledge of this account please remove it from my credit report.
|
| 05/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
I have to pay $ XXXX monthly for my car to westlake portfolio management. I have never missed a payment. I pay every XXXX of each month. I have received today XX/XX/XXXX westlake portfolio management phone call trying to collect current month money. I was exposing to the operator about the current situation because to my hours has been reduced and I would need more time to process payment. I did ask for 2 months. Operator XXXX XXXX told me they can't do that. I did ask for help about the situation and the operator said " they can't help '' " you have to figure out '' and immediately he started to questioning me about " have you received the stimulus package? ". Which I said " yes '' " I did buy food and paid XXXX monthly bill ''.
This company does not have any intention to help due to the current pandemic circunstances.
|
| 11/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
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Web |
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In XXXX 2016 the vehicle broke down. A tow company took the vehicle out of my hands. I signed a bill of sale and he took over the title. He said he would pay balance and not too worry. The car no longer in my possession. It 's been long gone for a year now and they keep calling me, harassing me and my friends. Going to their houses and harrassing them, then saying they have a judgement against me, throwing papers at them, going through their mail to try to find me. I lost my job, went thru divorce and became homeless for 4 months. I get on my feet again, only to repeat the process. I live a clean and peaceful life and tired of the calls.
They do n't listen and I sent letters which they said they did n't receive. And a copy of the bill of sale for XXXX dollars as well as to the DMV. Wilshire Consumer Credit is the worst.
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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Hi I financed a vehicle through US Auto Sales in XX/XX/XXXX and I am scheduled to make XXXX payments of {$190.00}. All of my payments are up to date, however I recently was notified there was a change in loan servicer to Westlake Portfolio. After an accident, the vehicle was repossessed by Westlake.
The car is currently being evaluated for a total loss. During my time with US Auto Sales, I was charged extra insurance premiums and had to come out of pocket for repairs that should have been covered under the warranty.
To be honest, Id like to have a vehicle that is covered under a solid warranty, that is within my budget. US Auto Sales offered me an upgrade after paying {$10000.00} of my loan and it seems that is no longer the case. If possible, feel free to reach out to me for any additional information or solutions.
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| 05/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I XXXX XXXX XXXX enter into a collection contract with XXXX, with XXXX XXXX. File number # XXXX. I paid the car off through XXXX. XXXX, never reported the agreement with the 3 Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like XXXX took my money and never told Westlake Financial that I made the final payments to XXXX XXXX XXXX My credit score is tanking due to XXXX. I called Westlake Financial they seem to know nothing about XXXX collection agency. Westlake Financial still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by Westlake financial and XXXX collection agency.
Westlake Financial account number XXXX XXXXXXXX.
XXXX XXXX XXXX XXXX
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| 07/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Westlake financial services were notified XX/XX/XXXX of a XXXX XXXX involving the vehicle that was on the loan. I the driver was not at fault so I had to wait for the other insurance company to inspect the vehicle. Westlake repossessed the car while it was totaled to XXXX without telling me or the insurance then when I asked they said they are the lien holder they can take the car whenever they want. Months go by the car gets paid off with no late payments but their still asking the repossession fee and when they get the repossession fee they report on my credit that I was late on payments in XXXX when the car was paid off in XXXX. Also received a letter from the dmv stating that my license is gon na be suspended for a car thats already been paid off and I dont have the tag or license plate because westlake took the car
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I was charged by US Auto Sales for CPI insurance although I had insurance since I purchased the vehicle. I submitted the proof of insurance to US Auto Sales but I was still charged CPI. US Auto Sales applied my payments to CPI insurance instead of my loan. They also added to my loan the cost of an extended warranty. I was not able to use the warranty at all as the company said the warranty was not valid because US Auto Sales never paid them. I am still riding around with Check engine light, ABS light, Traction light on. Also I have had to call US Auto on more than one occasion in regards to payment. I had to call twice to have my vehicle turned back on as I was not late on my payment. I had made my payment a couple of days before due and US Auto applied it as if I was making an additional payment not my regular payment.
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I originally signed up with a company called XXXX where I financed some dental retainers. I went on an installment program over 18-24 months or so. The debt was then sold to West Lake Portfolio Management. The payments of {$99.00} a month have always been on auto-pay and when the debt was sold I was assured the auto pay would remain intact and I did not have to do anything.
Last month they called and said I had a past due balance of {$99.00}. I told them its on auto pay and should have just charged me automatically. They said since its the final payment they could not autopay it. I told them to just charge the account theyve been charging and to please stop calling me during work hours. Then today I check my credit report and they marked me as over 30 days past due on the {$99.00}, negatively impacting my credit score
|
| 07/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
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I was going to purchase a used truck from the dealership and they had me with a predatory loan lender amongst the fact the truck had a critical engine failure and internal damage to the cylinder and head. The dealership knew the truck had these problems and still tried to make me take this vehicle with a lender who tried to charge me 30 % interest rate. My husband who is XXXX and in a wheelchair and myself brought this vehicle back to them and told them they can not make me take a vehicle that has this major problem and expect us to pay for it when you knew the vehicle had these major problems before they tried to sell it to us. Than the lender they put me with has been sued for being a predatory loan lender. The vehicle was returned 3weeks after costing me about XXXX and being told how bad of a shape the engine was in.
|
| 03/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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My car payment is due every month by the XXXX, I typically always pay half in the beginning in the month and the remainder before the XXXX of the month as I have a 10 day period before I am charged a late fee and that is what works for me. However every single day since the beginning of my laon, I get called every other hour by this institution asking me to make my payment if it hasnt been paid in full by the XXXX and they continue this every day until my payment is made in full and I feel it is harassment to call me this many times a day. I have attempted to have this resolved with the company but all they can offer me is being removed from the call list which I do not find fair because I should be able to have a reminder call Incase I do forget but I should not have to have that reminder every other hour of every day.
|
| 09/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.
|
| 01/06/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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In the month of XX/XX/2023 I made a lump sum payment to the company US Auto Sales, This was after I had to put {$4200.00} into repairs on the vehicle that they wouldnt fix, nor reimburse the monies, The first week of XXXX the vehicle was repossessed by the company, no notices or attempts.the end of XXXX I received an letter stating that the vehicle would or was stole at auction. The First week of XXXX I was harassed by Westlake financial services stating that I owed them {$18000.00} plus dollars this after making payments on the vehicle for almost XXXX years with US Auto Sales, I informed the representative that I didnt have possession of that vehicle since XXXX. They stated that they were the new account owners and that I still owe. Now both lenders are on my credit and both is refusing to remove the negative balance
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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|
Web |
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I purchased a car loan from US AUTO SALES, never missed a payment! But when they defaulted and " sold '' their loans they created fictitious account balances. After almost a year and a half of paying the loan I was told my the Buying company ( WEST LAKE PORTFOLIO MANG. ) that I would have to start my loan all over again equating to {$22000.00}. They also said I had been behind months before with US AUTO SALES but my bank statements and receipts say otherwise. I asked for the original documents, transfer agreement, payment history. None were provided. Westlake Portfolio has already begun reporting late payments to my CREDIT!!!! This makes absolutely no sense as I was never late and now my credit is in shambles because a company went bankrupt!! I already tred creating a suit myself but was ghosted by my lawyer randomly.
|
| 10/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
The car was purchased in XX/XX/XXXX and was scheduled to be paid off in XXXX of XXXX. As I continued to pay the auto loan off, it was sold from the original loan holder to the current loan holder, Westlake portfolio. The payoff amount continued to increase and never indicated the payoff occurring at the time of the contractual agreement. I contacted the company through a law firm and have not been able to get a respectful answer or solution to this concern. The last time someone spoke to me was on. XX/XX/XXXX. A supervisor named XXXX XXXX. She said the companies attorney, XXXX XXXX, would contact me and freeze the reporting until this matter was rectified. To date, this has not happened, and they continue to report to the credit bureau on me being late or missing payments. This has dropped my score by over 90 points.
|
| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Notice to repossess
|
|
Web |
|
|
Us Auto and Financing closed down. A month later I started receiving emails stating Westlake is where i need to pay. they sent me a letter stating that i can file dispute on the total amount of my car because it was not the right amount due to us auto. I SENT THE LETTER BACK I DIDNT HEAR ANY THING FOR XXXX MONTHS. I GET XXXX XXXX STATING THAT I OWE {$50.00}. I get another email stating i owe {$1000.00}. I called Westlake portfolio. I explained how I sent the dispute letter in. The representatives told me to wait until the processing was over and he didn't know how long it can take. i asked was my car going to get reprocess he stated to me no. 1 month goes by and my car is reprocessed. they are stating i pay {$2000.00} to get m car back. They agreed to letting me pay / {$1000.00}. ii still haven't gotten my car back!
|
| 07/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I brought my first car they westlake financial under a dealer I thought I can trust. They sold me a XXXX XXXX XXXX XXXX. It was smooth for only 4 months and I had to take it to the manufacture dealership. Dealership told me the car wasnt fully 100 % and was sold to you almost run down. I lost the warranty n the car by the miles already put in it. I couldnt afford repair and monthly payments. I was between jobs and I couldnt travel since my cars wasnt working properly. I only had the car for a year and only drove it for half that year. Im very disappointed that I fell for the old take your money and trust deal. I need to get the settled and charge off my credit in a great way. My dad is now sick and needs help back home. My mom been taking care of him but I need transportation to help them around. Please contact me.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I originally loaned the car from US Auto Sales and they went out of business and sold to Westlake Portfolio. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted Westlake Portfolio to see why this is happening and only thing they tell me is I can contact US Auto Sales. I cant contact US Auto Sales because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to US Auto Sales because it doesnt allow me to log into their website anymore, its automatically transferred to the Westlake Portfolio website.
|
| 10/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
on XXXX/XXXX/22, I called Westlake Financial to get a extension on my car loan and a representative stated to me that the car was repossessed on XXXX/XXXX/22, Which I shocked being that i was driving the car. Shortly after i spoke with another representative that told me that a repo request was put in that day, XXXX/XXXX/22. Later that morning the car was repossessed. Upon speaking to a representative to see what my balance is to recover it they said {$840.00} plus a {$500.00} repossession fee. After recovering the vehicle, applied to my account was {$650.00}, I called again and the representative and she said she had no recollection of why the representative said that, I then read other reviews of people saying the recovery fee was {$500.00}. And not to mention the representatives are very rude and unprofessional.
|
| 07/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on XXXX credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX, XXXX.
|
| 03/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :
|
| 08/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I found late payments on my most recent credit report, which I'd like to get removed as soon as possible .According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' payable directly or indirectly by the individual to whom credit is extended, and imposed directly or indirectly by the Creditor as an incident to the extension of credit or lease, there is no such thing like late payments should be in my credit report. It is clearly a violation to the law to report any late payments in my credit report that is fraud. Also according to the law Section 4021 ( ii ) ( I ) states that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores.
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for auto on XXXXXXXX XXXX XXXX
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX WestLake Service Inc, & XXXX XXXX all pulled on XX/XX/2022.
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is Westlake Service XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
|
| 12/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with XXXX today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX XXXX and she was XXXX ... she couldnt accept herself that she was XXXX and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
Back in XXXX, US auto sales force me to buy another car when the first car I had engine blow out. They threatened me for 2 weeks forcing me to chose a car that I didn't want. They told me either I can get a new car from then and start all over and lose all the money I put in the first car or keep the car with bad engine and they will get a use engine for me. I have had 2 different cars from us auto and have been to the shop over 7 times with both cars. My new car They forced me to buy starter went out and they didn't even pay for when I had insurance on it. I was forced to get a used XXXXXXXX XXXX XXXX with a car payment of XXXX every month is crazy. And I see the business went out of business because they was scamming me and other customers. I need help with the problem. The XXXX switch my car plenty of times.
|
| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2020 i signed for a contract that was not a Truth in Lending contract. On XX/XX/2020 another contract was created without my consent and their was a electronic signature that I was never aware of. Also it doesnt disclose a proper finance charge, and the monthly terms that I was told to pay does not make sense. They spelled my name incorrectly, and next to the contract number where it says salesman, the information on was whited out. It says the loan amount is {$18000.00} and the monthly payment from the bank app says {$650.00} for 48 months so in total that would be {$31000.00}. I want to know where is the extra {$12000.00} coming from. I feel violated, their is fraud in this transaction. Also on the bottom of the photo which i attached i see XXXX XXXX name on there. I want to know what that is about.
|
| 07/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XXXX XXXX I contacted Wilshire Consumer Credit And Spoke with XXXX a Supervisor. I was calling to get the information XXXX was needing released to acquire a new loan with XXXX. was told i needed to provide a letter of authorization. which my fiance filled out and signed since she is on the account with me, sent it in and authorization was given for XXXX to speak with Wilshire. Upon XXXX speaking with them and calling us back. we were informed that the information XXXX was requesting would not be released. See i was given a 10 day payoff from Wilshire on XXXX XXXX which will expire on XXXX XXXX. I fear that wilshire is stalling to prevent me from being able to have this loan paid out completely. this is unfair to me as it could result in my vehicle being taken and i am making an attempt to pay this loan out.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My vehicle went into repossession. I was told to pay XXXX to stop repossession. I did pay that in the amount of XXXX! Today when trying to acquire a loan I was told that I have a Charged off debt on my XXXX XXXXXXXX XXXX!
XXXX XXXX told me to pay to stop repossession, but after paying, they put on my credit that the debt was charged off as bad debt! I am still making my monthly payments and they never sent a letter or notice that they would charge this account off, even after catching up all payments to stop the repossession. Now my credit account is showing this account as closed and I still have a vehicle I am making current payments on. Deceitful practices! They gave no notice, letter or call saying after they receive my payments they would close this account. I paid in full to make this account current.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/2023 I called XXXX after observing my credit score dropping XXXX points. The XXXX agent informed me that Westlake financial was showing a collection after I called Westlake Financial, they stated that it was not true and they reported it paid and satisfied. The Agent also stated that my Mortgage Company XXXX has reported for XXXX then she said that my student loans weren't in good standing for which none of the information is true my student loans are in good standing and repayment start in XXXX as the President stated. I have paid all my bills on time, and I feel that my credit score should have been in the XXXX hundreds due to credit that was developed over the past year. I've bought a new home and Vehicle verses many other credit items obtained and all has been paid on time and in good standing.
|
| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My vehicle was repossessed on the weekend of XX/XX/XXXX. On XX/XX/XXXX, I contacted and paid Westlake Financial the total sum amount of {$2200.00} which I was told included missed payments, late fees and repossession fees. The breakdown discussed was also displayed in my online account summary. A week later or possibly sooner, I see an additional $ XXXX in repossession fees added to my account after I had already paid and retrieved my vehicle. I contacted the company to request something in writing that shows that additional fees could be assessed afterwards and was told there is nothing in writing but that I owed the amount. I think this is completely unfair and unethical. The company is evidently attempting to place in a worse financial situation without any documentation to support their ability to do so
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX from US Auto Sales. The cost of the XXXX was XXXX. I also purchased a warranty and Gap insurance policy my total amount financed was XXXX according to my credit report in XXXX of XXXX. Now since XXXX of XXXX I have made 30 consecutive payments of XXXX which adds up to XXXX which should leave a balance owed of XXXX. As you may know my loan was transferred to Westlake Portfolio Management in XXXX of XXXX they claim I owe XXXX and am needing to pay XXXX per day interest rate. I have tried to explain the situation to them but as a result am currently facing repossession of my vehicle. I thought I was rebuilding my credit with this loan and it has inturn harmed my credit immensely. I also am required by my contract to carry a sufficient insurance on my vehicle.
|
| 05/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called the loan company and asked if they had any plans in place to help me with my loan as I was furloughed due to COVID-19. I was advised they would allow my XXXX payment to be added to the end of my note. I accepted that option as it was better than nothing at this difficult time. I began getting collection calls for a payment that was due on XX/XX/2020 but I was confused as that payment was not due per the finance company. I have talked to them multiple times as they call no less than 4 times a day for the payment and I was advised they should not have offered me any help it was a mistake. I explained I have a letter and I was advised I did not have to make a payment in the month of XXXX. I have tried and tried and have not been able to get anywhere with the company. Any help is greatly appreciated.
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due.
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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On XX/XX/XXXX,? I purchased a XXXX XXXX XXXX, from USAuto in XXXX, SC. I purchase a 3 year Service Warranty, at their insistence. It covered large repairs. I have been paying on that so called warranty for 26 months. On XX/XX/XXXX my transmission went out while I was traveling, I took it to two different repair shops, both said I needed a new transmission, costing approximately {$5000.00}. I called the warranty company, I was informed that USAuto had filed bankruptcy and my warranty was no longer valid. I called USAuto/Westlake. I was told the same thing. I have made repeated call to both parties. I was told that I canned get a refund for the money I have paid for an invalid warranty. I am ready to let them repossess this car. I do not have the money to repair it, anything you can do will be appreciated.
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| 05/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I recently got a loan for XXXX XXXX with West Lake Portfolio, and I wanted to change my recurring payments to a higher amount. I was didnt have the ability to make changes and called customer service. Since, I have scheduled additional payments toward the loan, but I have not received confirmation of the payment via email. I have also checked my account and no scheduled payment ( s ) is available for me to view, change, or cancel. Ive contacted their customer and they cant find the payments I have recently scheduled in their system. It has been quite an awful customer service experience. As a customer I should be able to view all scheduled payments and have the ability to edit or cancel, which is not allowed in their customer facing platform. West lake Portfolio Management is not a good service provider.
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| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Westlake Portfolio Management Purchased Undefined Vehicle Contract Associated with my name and furnished the account to the consumer reporting agencies. This account is Fraudulent and has resulted in identity theft. I never gave Westlake Portfolio Management written permissible purpose to obtain my non-public personal information from no one. Also, I never spoke with no one with this company about a payment extension on a letter I received in the mail. Westlake Portfolio Management is committing fraud, defaming my character and had affected my livelihood due to the reporting of this account being furnished to the credit reporting agencies. I only have one auto loan and that is with XXXX XXXX that should be reported to my consumer report. This Westlake Portfolio Management account is a fraudulent account.
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| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT.
( WESTLAKE FINANCIAL SERVICES : LATE PAYMENTS XXXX & XX/XX/2022 ) HAS VIOLATED SEVERAL OF MY RIGHTS.
15 U.S.C 1681 SEC 602A. - CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SEC 604A SEC 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
WESTLAKE FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XX/XX/2023 I went and financed a vehicle with XXXX XXXX XXXX XXXXhey used illegal tactics within the loan process.
NO FULL SUM OF ALL CHARGES FULL INSURANCE NOT INCLUDED WAS NOT CASH IN HAND USED A THIRD PARTY TO TAKE VEHICLE WITH OUT NOTICE 15 USC 1692f - unfair practices Someone else signed my name or gave my private information to XXXX XXXX which took my vehicle for my home 15 USC 6802 No paperwork was sent to me or was I informed my personal private information would be given to XXXXXXXX XXXX I had No contract or any connection with this company, I only did business with XXXX XXXX XXXX & West Lake Financial Also used my information for XXXX XXXX XXXX and even after payments where made still sent letter say that I didnt make payment when I had and was auto payed out of my bank account 15 USC 1692
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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Ive had this account for about 6 months and in that time, Ive paid 4 payments early and the correct amount were charged to interest and the principal, however the other 2 payment that were paid on time, there are no late charges on my account, the total amount was charged to interest, they cant tell me why the payments that were made on time were all paid to interest and none to principal.
Payment due for due on XX/XX/23 for XXXX was paid on XX/XX/23 and the total went to the interest.
Payment due on XX/XX/23 for XXXX was paid on XX/XX/23 amount XXXX and the total amount went to the interest and none to the principal and none to interest, which means a pa total of XXXX in interest with none of that amount applied to principal.
Seems to me that if I pay on time this loan amount would stay the same
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| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX WestlakeFinancial.com This business appears to have an ongoing practice of not releasing titles in a timely manner. I paid off my loan on XX/XX/XXXX ( one month ago ) and they have not released the title electronically to the TX DMV. I have called, emailed on numerous occasions. Multiple customer service agents have told me a different story every time ( it's on hold because of the address (? ) ; it's been released ; it's supposed to arrive XX/XX/XXXX, etc., etc. ). The title department does not answer or return emails or calls. One of the many customer service agents I spoke to informed me that even THEY could not get in touch with the title department. I have researched this and it appears to be a systemic practice for the company.
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| 03/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I Need To Know That If I Turn This Car In All Payments Will Be Stopped And We Will Not Have To Pay Anymore Payments. The Contract Was Violated The Dealer Never Fixed My Engine Even Though It Has A 2year Warranty. i Cant Even Trade The Car In Because American Car Center Didnt Report The Payments On My Credit. You Dont Have To Compensate Me But I Do Not Agree To Keep Paying For A Car After I Turn It In. Also The Response On The Complaint Stated That We Were Notified From American Car Center That Westlake Was Taking Over That Is False We Were Not Notified Before XX/XX/XXXX Or On XX/XX/XXXX XXXX XXXX XXXX Didnt Tell Us Anything And We Didnt Agree To Giving Westlake Personal Information Such As Social Security Numbers We Can Resolve This Here Or I Will Just Go Through Lawyers And See The Company In Court .
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| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I have found a complaint with XXXX XXXX XXXX and West Lake financial company and XXXX XXXX warranty company I had a car for two weeks that have a bad engine they told me repaired the part they did not do it I voluntarily gave the car back from Westland financial every time I called I could not talk to someone I got the runaround I ask for papers in writing. From Westlake Financial company and also XXXX XXXX the car dealership told me to get the warranty and it didnt cover anything the car has {$18000.00} worth of damage from the XXXX theyre all working together and I checked my credit report and it was ran like XXXX times this is a fraud. Also on my financial records the car was supposed to be XXXX And they upped the price to XXXX and Ive tried numerous of time to get paperwork to talk to someone.
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| 07/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I originally took and accepted a loan from Honor Finance XXXX for a little over XXXX. Per the contract I would pay 360 monthly at 33 % interest which I accepted. They sold the loan to Westlake Portfolio Management. I had no knowledge of this for roughly 60 days after it being sold which wasn't a problem. The issue is that I've had my car for almost 4 years, which was the contracted time and only 8 % has gone toward principle. They still show me owing the same amount. Roughly 90 % of all payments made have gone toward interest which isn't in the contract I signed. I don't understand why. They told me there's XXXX daily interest which still doesn't mean XXXX should go toward interest. How is this fair.. I'll never pay off the car. I'm so baffled with how this is happening to me. I don't know what to do.
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Westlake Portfolio Management reported to the credit bureau without my knowledge. I don't have a contract with Westlake. Westlake Portfolio Management is a debt collection agency which American Financial uses when they filed bankruptcy and that was a breach of contract. I don't have a legitimate contract with them. I never signed a contract with Westlake. I want them off my credit report because they have messed up my report. I've reached out to them and asked them to remove this off my account because I don't have a contract with them. Westlake Portfolio Management is very unreliable and very unprofessional. I'm not the only one dealing with this it's everybody 's who got a vehicle from American Car Center and US Auto Sales. This is against the law and it's time for someone to do something about it.
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| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have been paying on this loan for years and since XX/XX/XXXX all of the payments I have made are going to interest and late fees. I have had the same balance due since then. I called them last month to find out why my balance has not changed and they said it was due to setting some payments to the end of the contract. Since XXXX of XXXX I have paid more than what the monthly amount was and asked them to put that towards the principle and they have not. Last month when I called to make my payment they said the amount due was {$380.00} which I paid. That shows that I have been paying more than the loan amount otherwise it would have been more. My car payment is {$570.00} per month. A couple of examples of my payments .... XX/XX/XXXX paid {$910.00}, XX/XX/XXXX paid {$700.00}, XX/XX/XXXX paid {$700.00}
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| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have never applied for credit with Westlake. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law Westlake has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving Westlake 7 days to remove all inquiries from my credit report or I will file a lawsuit against Westlake. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.
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| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.
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| 07/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I was with us auto sales but they closed down. Now I'm with westlake portfolio management my due is incorrect and they have proof of my current job and pay schedule and the fact that us auto sales changed my due date before they took it over. They also still have me paying for gap insurance which was in my contract they took over. If they don't honor my gap insurance then my payments should be lowered. There are also fees for car insurance added to my account that was already taken off by us auto sales. I've kept car insurance during my whole car note. I've spoken with two managers once on the XX/XX/23 and on XX/XX/23. They keep saying they are submitting it but no update. While still getting late fees and phone calls to pay. They also have my contract for the gap and proof that my due was changed.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Submitted a complaint demanding for a debt validation letter from westlake financial and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by westlake financial. I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked
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| 08/09/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Westlake is attempting to collect debt from a car that was filed with bankruptcy from U.S. Auto Finance. I never signed a contract with westlake and now they have sent a tow truck to steal my car out of my property at XXXX XXXX this morning. That is my only vehicle to take my XXXX XXXX XXXX XXXX to therapy and now I can't even take him to school. I tried to stop the guy I recorded him and I threatened to call the police he got scared he knew they are doing wrong and left fast. My lien holder is still showing U.S. AUTO on my title per DMV. I ALSO HAVE PROOF THEY ARE. U.S. Auto Finance and westlake are committing fraud. U.S Auto has breached my contract already by not upholding my warranty on my vehicle. This is very upsetting the emotional destress I have been through since XXXX XXXX this morning.
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| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
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| 04/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
This company calls me multiple times a day starting the day after the bill is due. My bill is due on the 1st of the month and they give no grace periods before they start harassing phone calls. I hardly ever get paid on or around the 1st of the month so they call me constantly starting on the 2nd of the month. Today is XX/XX/XXXX and it's not even XXXX ; I have already received 4 phone calls today alone!! Its frustrating, harassing and annoying to be called so many times a day. Not only that but they dont leave messages either, just constant calls. Up until XXXX I was up to date on my bill and have never been more than a month behind ( a few days or a couple weeks at the most, maybe ) so to be called so many times daily is beyond annoying. This is harassment and is ridiculous business practices.
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| 04/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XX/XX/2018. Westlake Financial are currently reporting FALSE REPRESENTATION OF BALANCES $ XXXX, XXXX, 30 DAY LATE PAYMENTS and REMARKS changing. There should NOT be any activity reporting are charge off status. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Westlake Financial report : Inaccurate Information Misrepresent Balance Fail to sent Validate of Debt Activity after Charge Off Harassing calls 30+per day Late Payments ( monthly ) Missed Payments ( monthly )
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| 06/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
Servicemember |
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I contacted XXXX XXXX on XXXX XX/XX/XXXX because my auto loan that I took out back in XXXX for {$14000.00} and today my loan is {$12000.00}. I told them im a military vet how is XXXX and now on a fixed income and can no longer afford the car as well as I believe fraud is going on due to my balance not going down. Every time I call I get hung on or get told they can help me but I have to wait 2 day for approval then say they don't know what im talking about. Everyone is rude and no one want to help. This company is a scam and they do not help people, all they care about is money. I am one the phone now and now the call is silent and I wasn't put on hold. This is crazy, and now being told I have to file bankruptcy and then at that point I can call about a settlement, which don't make sense at all.
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| 09/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.
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| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Westlake financial is not honoring my gap insurance that I requested on their website ... My contract at XXXX XXXX was to pay them XXXX dollars a month ... After I created a account to pay on their website my payment increased by XXXX to XXXX ... my car was total due to a hail storm. On XXXX XXXX.. GXXXX has paid them XXXX and I have a ball of about XXXX left to pay. Pler help me resolve because Westlake is telling me the XXXX is or was being applied to the loan. I did not agree to that. Next I got a issue with XXXX XXXX for the XXXX warranty they put /applied to the loan... XXXX XXXX has informed me that it is normal procedure for them to send the refund to the loan company .... Is this the right thing that is happening to me. I am desperate need of help with both these companies..
Thank you.
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| 09/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I have an account with us auto servicing for my XXXX XXXX XXXX, I bought this car on XX/XX/XXXX and paying XXXX every 2 weeks, It shows I currently owe {$14000.00} on this car, the value of this car is only around {$4500.00}. I'm considered upside with my car payments when I was trying to trade it in for something more up to date. I signed up for gap insurance and extended warranty as well. Just recently I was told that the extended warranty policy doesn't even exist but it's an extra fee on my loan. I want to be released from this high car loan so I can get another car more reliable, my check engine light keeps coming on and the car ran hot on me one day after work. I can't call them to see about getting it repaired since the company is now closed and transferred over to Westlake profolio LLC.
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, My name is XXXX XXXX XXXX XXXX. I co signed a vehicle for XXXX XXXX. He filed for bankruptcy on XX/XX/XXXX. But he settled with the vehicle loan company, Westlake Financial, for the vehicle and bought it. Everything was finalized by XX/XX/XXXX. XXXX sold the vehicle on XX/XX/XXXX to a company, XXXX, after an accident. However, assuming since he bought the vehicle and received the title that it was going to be off my credit. But recently I came to know that the loan was never removed from my credit report. We spoke with Westlake Financial and they claim they have stopped reporting the vehicle loan since XXXX. I tried disputing this with the credit bureaus but they are claiming they cant find my account. I would just like this vehicle loan of my record so I could continue to use my credit.
|
| 05/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
Older American |
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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..
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have sent numerous amounts of letters to this company to fix the problem but they refuse to do so and have ignored my request my only sending me a letter that was completely irrelevant to my request. I sent this company a letter requesting that they update the account being reported to my XXXX credit report because it is reporting payments being made that have not been made after the account has been closed, how can you be reporting payments when the account is closed? You are keeping activity on the account by doing that, so I then disputed this account with XXXX and they didnt change anything wither. Im lost as to what I should do now but currently the account is being reported inaccurately and should be removed from my credit report, that is my final request but they wont do that either
|
| 04/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Good afternoon, I had problems with my vehicle finance company. In XXXX I called because I couldn't pay for my vehicle for the COVID-19 case. I had money problems and I had not been paid at work, they gave me a period of one month. for me it was perfect. for XX/XX/XXXX I called again because I was positive to COVID-19 I have a medical report asking me to be isolated, I sent them but a supervisor told me on XX/XX/XXXX that they could not do anything and that they were going to deactivate the calls so as not to receive and that they would not notify me when they took the car, he also told me that if I had not received any help and the truth is that I had not received any unemployment aid or government aid, it affects me because it affects what I already paid for the car and apart my social life.
|
| 11/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I contacted Western Funding Inc.
I am writing to bring to your attention a serious matter regarding my account with their institution. It has come to my knowledge that someone has stolen my identity and fraudulently opened an automobile loan in my name.
I kindly request that you take immediate action to close the fraudulent account associated with my name and provide me with a letter confirming that the account is not mine. Additionally, I seek assurance that I am not liable for the mentioned account and that it will be promptly removed from my credit report.
I appreciate your prompt attention to this matter and look forward to a swift resolution.
Western Funding Inc.
XXXX XXXX XXXX XXXX, CA XXXX *NJ use XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX https : //www.westernfundinginc.comXXXX
|
| 01/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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A default judgment filed against me which was for XXXX from Westlake Financial. The credit bureau shows a delinquent amount of XXXX with Westlake Financial which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX XXXX XXXX and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.
|
| 08/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have purchased a truck on XX/XX/2020, from a car dealership, XXXX, that uses WEST LAKE FINANCIAL as the lender. The finance company, WEST LAKE FINANCIAL is covering up the fraudulent actions of the dealership by not requesting the title of the vehicle with in the 30 days of purchase. It has been past 60 days and the finance company has not received the title to the vehicle. These action are fraudulent. The finance company should eliminate any business relationship with the dealership as they have been know for title washing vehicles. The transaction took place in the state of Virginia, which it is illegal to sell a vehicle without a title. This cover up by the WEST LAKE FINANCIAL is unacceptable. The finance company should push for legal action to acquire the title from the dealership XXXX.
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| 03/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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My name is XXXX XXXX I bought a XXXX XXXX XXXX using Westlake financial services account # XXXX Sent me a letter stating I owed {$13000.00} to close the account with a one time offer to settle {$2600.00} I called them and asked if there was anyway to pay XXXX today. this was on the XXXX of XXXX, XXXX the lady I spoke to said the least they could settle with was XXXX if I paid right then so I paid it and she said my confirmation number would be emailed it never was I never recieved my receipt or confirmation and when I called back i was sent the receipt through an employee email not westlake financial and they also stsred that they would report to all 3 bureaus as settled with a XXXX balance I have the letter that they sent with the offer to settle please help me for all I get is a run around
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| 09/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2023 American car center closed my loan. Then months later Westlake portfolio management keeps calling emailing sending me letters that I owe them for a vehicle loan. In XXXX I kindly called them and in XXXX mailed them and again in XXXX and now XXXX. To explain I dont have a loan, when American car center went bankrupt they illegally sold them a debt on me. I dont have a car nor loan. I have sent proof over 6 months. Mail withsignatures/email/faxThey call harassing me and my family. They are rude and disrespectful and just nail hard that their system said they have a debt and they want payment! However they refuse to provide any proof of this alleged debt ownership. They are reflecting negatively on my credit. The attachments are the same I have been sending to WPM for six months
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
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My repossession date with this company is XX/XX/2015 I have spoke to multiple representatives I have spoke to supervisors and multiple supervisors the supervisor I spoke today name was XXXX and I keep explaining to them that this repossession needs to be off my credit report because it's been over 7 years from the time of the delinquent repossession she have stated that they have contacted the credit bureaus to have the the remark removed for over three months and it is still on my XXXX and my XXXX credit report this is a violation of my rights and it's affecting my life I can not get a car or anything because the remark is still on my report even after the statue of limitation I have exhausted my resources I have sent out multiple letters numerous of times and still nothing has been done.
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| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
|
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These hard inquiries do not belong to me, these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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My vehicle was totaled back in XX/XX/2020. I called Westlake Financial and they informed me of my balance after the GAP insurance paid. I told them I did not have the complete balance that day and I needed more time. The representative offered for me to do an extension so that would help me with the last payment I owed. At that point I agreed and we moved forward. I paid the last payment after the extension was granted and noticed they charged me for another months payment. I then spoke to several supervisors who informed me that due to the extension it generated another payment. I was furious because the representative never told us a new payment would generate. Why would I have agreed to this when the vehicle was totaled. They now in turn have charged more fees and they keep going up.
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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To whom this XXXX concern, This is my second complaint. The company Westlake financial portfolio management did respond to the initial complaint. The resolution as of XX/XX/23 was to have my vehicle returned but they had already auctioned my vehicle. Then they changed the contract terms. I did not agree to a 12 year term at {$250.00}. Ive never spoken to them on that matter. I am out of a car and money invested into it. They also filed repossession then changed the coding to charge off. And the debt they claim is owed wasnt sold off to a third party collection. Its charged off and still attached to them. I still dont have any updated info of next steps to closing this account. The company failed to follow through with remittance of property and the car is still registered under my name.
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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I purchased a vehicle in XXXX of XXXX and it came with a warranty as part of my financing. I traded that vehicle in XXXX of XXXX. I kept looking for how to submit to get my warranty back, the contract stated I needed to contact the dealer I purchased the car from, the dealer had no idea how to do this, I contacted Westlake Financial/Secure One by email. They asked for all my paperwork and cancelled my policy as of XX/XX/XXXX. I was to receive a pro rated refund, weeks later I had still heard nothing and when I called back they stated they had the wrong dates and had to reprocess. This happened XXXX more times, now o just get told to call a phone number and every time I speak with someone they just repeat my information but gives me no update or response and still has not sent my refund,
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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I got my car from Kings of Credit/American Car Center in 2021. My payments were always reported to the credit bureaus. They were shut down at the beginning of this year ( not too sure why ). After they were shut down, I started having to do my payments through a collection company called Westlake Portfolio Management. Since American Car Center was shut down, its been taken completely off my credit.. which I understand. But now my credit has gone down because Westlake Portfolio Management has not reported any of my payments. So not only is my credit score low, it now looks like Ive never had a car in my name. I feel like Ive been paying on this car for XXXX years while also trying to fix my credit all for nothing! I have nothing to show for it. But a low credit score. Can they do this??
|
| 10/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I am having problems with Credit Union Leasing of America picking up my vehicle at the end of my lease. It has been 5-6 weeks since contacting them the week of XX/XX/2020. I have been contacted by 2 tow companies via CULA, but neither have obtained the vehicle, perhaps due to the rural nature of my residence and distance from the city. I was told that the vehicle would be obtained/secured on XX/XX/XXXX, but that did not happen either. There is no way to escalate my issue with CULA. There is no transparency or way to schedule the pickup of my vehicle.
I paid a {$400.00} disposition fee at the end of my lease. I assume that part of this money goes to CULA to manage this pickup process as well as pay for the tow service. If they are getting paid, why haven't they picked up the vehicle?
|
| 05/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I may have fell behind with the payments but i also paid double the monthly payment on XX/XX/XXXX which i thought would cover XXXX and XXXX then also paid more than triple the payment on XX/XX/XXXX {$2100.00}. I thought that would cover XXXX and part of XXXX. XXXX was 30 days past due in XX/XX/XXXX, ( 30 days late ) and i made a payment XX/XX/XXXX of {$2100.00} which should have covered XXXX, XXXX, and XXXX 100 % and left over approx $ XXXX late fees towards XXXX XXXX payment. which would have not really have been late until XX/XX/XXXX and you received a payment before that due date ; however, i have 5 late payments reporting in the last 5 months not 2 at the most based on the payment details outlined above. Please see the attached letter. I'm humbly asking for help with this matter.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2019, WESTLAKE SERVICE INC add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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The XXXX XXXX XXXX was paid in full. I provided that information to XXXX, XXXX and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase.
On XX/XX/XXXX I reported the sale of my XXXX XXXX to XXXX, XXXX, and XXXX. To date the Westlake Financial account has not been updated to reflect said sale.
The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor.
Attached is the proof that I paid off XXXX XXXX and paid off Westlake Financial. Can someone help me fix this issue.
|
| 08/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I have an existing auto loan with Westlake financial. I traded the vehicle on or around the XXXX of XX/XX/2018 and westlake has been calling for the payment due on XX/XX/2018. I stated to them when they called on the XXXX that I traded the vehicle and they have been calling every day 3 to 4 times a day asking for the payment. I have spoken to numerous people at this bank and they are really rude about this saying they have not received the payoff check yet so I gave them the dealership info and they said they can not call them. So I told them I have no control over that payment but they told me my acct is still active so I am responsible for the payment due. I had the finance manager call them and they still calling me harassing me. Please tell me I can sue them for this action.
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XX/XX/XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The last complaint Ive made Westlake financial responded in XX/XX/XXXX to the CFPB with a letters that I will be attaching and said that they will contact XXXX to have the repossession remark remove off my credit report because its been over seven years from the time of the repossession the repossession date is XX/XX/XXXX and it is now XXXX XXXXThe account still appears on my credit report as a repossession. I have contacted XXXX and Westlake financial on numerous occasions after they said they would have this account removed off my report because it still appears and nobody is doing anything about it. I have been denied two different times by the dealerships because they still see a repossession on my credit report which is over 7 years old, which is a violation of my rights.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American, Servicemember |
|
Our auto loan account has been both altered and deleted from your last reporting of our account after the account closed in XXXX of this year. We called into your office on yesterday and was told that Westlake would not have made any changes to our accounts This is only a problem on XXXX but may need to be corrected on all three of the credit bureaus.
Remarks were added to my wife 's XXXX credit report saying that the account was being disputed. This caused her account to drop seven points. We disputed that change and asked them to remove the remarks and her score has since increased back to what it was before the complaint filing, but this problem was initiated at XXXX when they for no reason made changes to my wife 's file and totally removed my file from their reporting.
|
| 02/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.
|
| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been on track making the fixed monthly payments on the loan, plus making extra payments within each month ( after paying the fix monthly payment ). However, the company does not apply my extra payments to the principal balance. I contacted the company several occasions and they said they apply the extra payments to future interests, that has not accrued yet. Allocating my extra payments to interests not accrued have limited my ability to reduce my principal balance and I feel it is unethical/scam to use this billing method.
XXXX, 2023 payment for example.
Amount due : {$0.00} Amount paid : {$230.00} Allocations by company : {$190.00} interests, {$45.00} Company says {$190.00} is future interests that have not accrued yet.
Contacted the company on XX/XX/2023 2023
|
| 08/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Paid the company off inXX/XX/XXXX they still proceeded to place a lien on my property in XX/XX/XXXX and then went out of business now I can't get the lien off my property XXXX placed on it because they went out of business. ( Security National Automotive Acceptance XXXX ) was paid off and proceeded to not handle the paperwork properly and did not close my loan but yet while liquidating assets and accounts were negligent and proceeded to hire a lawyer and place a lien on my home without proper communication. I can provide my account number for Security National Automotive Acceptance XXXX XXXX.
I will like a letter emailed by CFPB or mailed stating that Security National Automotive Acceptance XXXX is no longer in business so I can get my lien removed through the XXXX of GA.
|
| 11/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.
|
| 10/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Westlake portfolio management contacted me in regard to a paid off debt for us auto sales. I have request multiple times through recorded lines to have a debt validation letter and original contract with wet signature sent to me for verification. This company states I owe them for a bill that was paid in full. I have never signed nor agreed to do any business with this company. The company has been unable to provide me with any physical evidence of any contracts or documents. The company Westlake portfolio has called me from over five different phone numbers ever single day to the point of harassment. West lake portfolio states I have an auto loan with their company that shows up on my credit report but the company can not provide any documentation or records of the loan.
|
| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
Due to lack of unemployment i lost my job couldnt keep continue making payments to the loan on the vechicle anymore I called to have the vechicle to be voluntarily repossed and the respresentative that work at westlake financial services stated that they didnt won't the car because it was a useless piece of XXXX because it is an XXXX and they couldnt do anything with it and also stated that they werent picking up the vechicle! I CALLED THEM MULTIPLE TIMES ABOUT THIS REPOSSESSION AND THEY HAVE NOT REPOND TO PICKING UP THIS VEHICLE! This is absurd! I, in good faith called them to pick this vehicle up at XXXX XXXX XXXX XXXX, Tn XXXX.
etc these are some of the recently dates i corresponded with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I did credit application with XXXX XXXX in XXXX nj the credit person named XXXX called me and told me he got us approved for a loan and the bank wanted a XXXX deposit after making numerous phone calls to borrow the money from friends and family I text the sales person XXXX back and told him we were able to borrow the down payment and we would be in tomorrow with it be said ok great then XXXX calls me back about 10 min later and tells me that the bank Westlake financial wanted our other car also along with the trade in we were giving them and the XXXX someone is scamming people either XXXX or Westlake financial please investigate this matter I would not trade in both vehicles fir one my wife uses the other vehicle she ca n't drive the pickup truck as it is too big for her
|
| 11/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Hi, My name is XXXX XXXX I bought a vehicle 3 years ago and west lake financial bank gave me the loan, I moved out of state a years ago and I cant get my title from the previous state I lived before, my registration is expired I got pulled over 3 times by the police officers called west lake numerous of times they are not helping me in this issue I have, I went on the dmv in the current state where I live they told me to contact my lien holder they should make the request, I contacted west lake theyre telling me contact title support, they dont have phone number or in the website they dont have the lenders name ( Westlake financial ) . Im stuck and hopeless in this mater and problem I have, This bank is totally unprofessional and doesnt even care about theyre costumers
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX company they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX.
XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX report.
As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX and XXXX ; thus harming my FICO score and my individual credit rating at XXXX and XXXX at 60 days since I paid off the balance.
|
| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with WESTLAKE FIN. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please REMOVE this account immediately.
|
| 08/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Older American |
|
In XXXX 2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of XXXX a month would be apply to my principal balance which is XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in XXXX up until XXXX , 2017 every XXXX of the month. and my payoff balance is still at XXXX dollars. Which I have paid XXXX and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a XXXX year old XXXX women who has XXXX and XXXX XXXX problems. I have been taken by this company.
|
| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
After countess years of dealing with misinformation and incorrect statement information a repossession occurred. West Lake financial regained possession the vehicle.At this point I owe {$6000.00}. After sometime I noticed the balance increased to {$6100.00}. After reaching out several time to answers I was met with a court order. I was baffled because I no longer possessed the vehicle. The court date finally arises for myself and West Lake Financial. I am waiting for over thirty minutes. The judge dismisses the case due to a failure to show up ( West Lake Financial ). I was given court documents to prove it was dismissed. I received and alert from my credit monitoring service stating that the balance once again increased. The increase occurred between XXXX and XXXX.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020 XXXX XXXX XXXX add a hard inquiry on my credit reports.
On XX/XX/2020, XX/XX/2020 XXXXWESTLAKE FINANC add a hard inquiry on my credit reports.
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
|
| 02/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I was involved in a hit n run accident. The defendants auto insurance paid the value of the car, but that did not satisfy the loan. I paid off the entire loan in full. However, the title and lien release was sent to the defendants insurance company. The insurance co. Only pais for the " fair market value '' of the XXXX XXXX that has been totaled. The loan that I paid off on XX/XX/XXXX is listed on the credit bureau as being paid off by the insurance company. Westlake Financial never reported the paid off vehicle until after I purchased my new vehicle XXXX XXXX XXXX, on XX/XX/XXXX. I had to request that they vehicle paid off, get reported. Therefore my interest rate is 22 %. My new loan is with Westlake, as well. However, they never held up their end of the contract.
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX
On XX/XX/XXXX, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX
On XX/XX/XXXX, XXXXXXXX XXXX add a hard inquiry on my credit report per XXXX
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I was financed by this co. many years ago then in 2019 I filed Bankruptcy chapter XXXX and I included this company as part of my creditor. Now just got the discharged from the United states bankruptcy court my debt was discharged and fact was this debt with this creditor was included and protected under this law and now I went applied for a finance vehicle loan with this company they stated as denial to finance me in the letter they stated as follows : POOR CREDIT PERFORMANCE WITH US another word as I stated my debt with them already been protected by the US Bankruptcy chapter XXXX law and in order to get a loan with them they want me to pay them there for that is against a law of trying collect debt from me knowing it is protected under bankruptcy chapter XXXX law
|
| 05/22/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ... THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN XXXX . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL XXXX BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER 7 YEARS OLD ....
|
| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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US AUTO SALES went out of business recently. Without my knowledge or consent they refinanced my car and gave my loan to a different party. They edited my credit information and said Ive only paid on my loan since XXXX of this year XXXX. I first got the car in XXXX of last year XXXX. Due to the company filing bankruptcy the property is legally mine, but they are making me pay their debt to a debt collection agency, Westlake Portfolio Management. Earlier this month, they double charged my credit for the vehicle making my auto loan XXXX. They then closed my original loan with US Auto Sales with my payment history and transferred it into debt collections. I was informed by Westlake Portfolio that there is nothing I can do and just pay it or they will repossess my car.
|
| 02/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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XX/XX/XXXX I went into agreement with XXXX XXXX XXXX XXXX XXXX with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to Westlake Financial Services via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while XXXX XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to recscind.
|
| 06/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX is the alleged debt amount XX/XX/2019 Westlake Financial Services And XXXX XXXX listed there corporations as Creditors of I the Consumers Loan and listed me as the borrower of the Loan and credit i Created According to 15 U.S. Code 1692a - 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
According to15 U.S. Code 1692e. False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX late payment Was turned into my credit report I was told NOT TO PAY because BYTE was not going to be able to provide services to me. So it was on hold for 2 months. They did not notify the debt collector ( XXXX portfoilio management ) and now I have 2 late payments.
In XX/XX/2023 XXXX reached out to XXXX to tell them it is their fault that I was late. XXXX still has not taken this off my credit report.
It was not my fault I was late, I owe them nothing No late fees No missed payments All the rest of the year.
I want it taken off my credit report! I have the emails from BYTE, proving they have admitted fault and they are trying to fix it. Yet here I sit with a bad credit because of BYTE AND XXXX. Very very angry! I want it fixed!
|
| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I Need Westlake To Trade My Car In I Need A New Vehicle Asap I Have A Two Year Warranty I Have Been Trying To Get My Car Fixed For The Longest While XXXX XXXX XXXX Was Still in Business And when Westlake took over. I Have Been Having trouble With This Car Since I Bought It. i Tried To Trade My Vehicle In At A Dealership I Couldnt Do That Because Westlake / XXXX XXXX XXXX Have Not Report Any Of My Payments To The Credit Bureau so when I went in to dealership they said they could not do it because it will be like a ghost trade. the Car is not worth XXXXXXXX XXXX which is the rest I owe on the vehicle. This Vehicle Is About To Go Out Very Soon And If Westlake Doesnt Provide A New Vehicle To Me Payments Will Be Stopped And They Will Not Receive Anymore Money From Me
|
| 03/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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Made payments as reflected for total amount due. Next billing cycle indicated there was pass due balance. Was informed by several employees and supervisors that online payments system does not reflect correct information. A late payment fee is paid online, However as advise if a customer does not call back to Westlake Financial and advise the company and inform a late payment was paid online. That late payment fee Is applied to a principal. The term used is you must ask for an allocation Asked numerous representatives can I have a copy of terms and conditions of payment policy neither representatives does not have access to this information. Neither on payment portal does that state such policy. Attached is of the wording of payment portal, by Westlake Financial.
|
| 04/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Recently, I was sent over to Westlake portfolio from American car center. When they did this exchange nobody had registered my vehicle. I spoke to the DMV XXXX XXXX and was instructed to get my lease agreement from West Lake portfolio in order to register my vehicle when I called Westlake, they have no lease agreement on my vehicle. Instead, they send me an Fauls agreement with the wrong vehicle on it ive asked them several times to please come up with the right agreement in order to register my vehicle so I can drive it. Ive been getting run around for about two months. They still have not sent me the correct form. They are also charging me {$30000.00} for a XXXX XXXX XXXX, but according to my bill of sale, the car is sold at {$21000.00} which was agreed-upon
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Wilshire consumers has inaccurate information on my report.
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The paid off amount is not accurate. Monthly payment is inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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|
I called to receive payoff amount for my auto loan and was given an amount that was far higher than expected. I was then advised that I was not being charged the annual percentage rate that was agreed upon in my contract but a daily interest rate. Nowhere in the contract that I signed does it state that I had a Simple interest loan and was to be charged daily. Representative I spoke to when called on XX/XX/XXXX at XXXX was not able to explain to my why my contract was not being upheld and only would say that Westlake Financial only offers Simple Interests loans. But yet I was not provided with a contract that states that. Pulling payment information also reflect that several of my payments were interest heavy and paid more interest than principal some months.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Westlake Portfolio Management opened on my credit report as a new auto loan finance company. They said that they were transfered from US Auto Sales, but none of my prior payments transferred as of my credit report. The loan agreements were changed without my knowledge and I was no longer covered under the gap insurance and extended warranty I purchased. Westlake Portfolio Management ( A debt collector, not financial institution ), illegally repossessed my vehicle with no communication. After my car was repossessed, they sent me a letter stating that in order to get my vehicle back, I had to pay the full balance of {$17000.00} within a weeks timeframe. Westlake was closed on my account, they went in to update false information consistently affecting my score.
|
| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020 I called my finance company to get some help regarding my XXXX payment due to COVID-19. They offered a deferment for the payment to go to the end of my contact. I agreed in order for me not to lose my car. They asked for a payment of {$50.00} I gave the payment. Thereafter I keep making small parcial payments for XX/XX/2020 {$280.00}. XX/XX/2020 {$150.00}. XX/XX/2020 {$82.00}. XX/XX/2020 {$570.00}. XX/XX/2020 {$12.00}. XX/XX/2020 {$570.00} All of these payments have not been deducted from my balance. When I noticed and called they couldnt give me an explainable reason All they said was it all went to my interest. {$1600.00} and nothing to my principal balance. Until the month of XXXX it started going to my principal balance and to the interest.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
As well as XXXX XXXX XXXX XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank.
Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
|
| 11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My car was repossessed for being late on the car payment by Westlake Services , LLC and Wilshire Consumer Credit , LLC. I have tried to work with the finance company but for some reason, they keep changing what I have to pay in order to get my car back. They sent me an email stating how much my amount is to pay to get my car back. However, when I called to make the payment they stated that I had to pay the total loan off. They are charging me a XXXX % interest rate on the loan which exceeds the highest rate that can be charged in the state of California which is XXXX %. This company has been sued for illegal debt-collection tactics on a number of occasions and was ordered to stop this type of loan tactic by the Consumer Federal Protection Bureau ( CFPB ).
|
| 08/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I have reached out to the Financial department of Westlake 's Financial Services to apply for my SCRA benefits as I am a XXXX XXXX back in XX/XX/XXXX letting them know that my XXXX XXXX start date is XX/XX/XXXX.
I have repeatedly called them because the interest rate and new payment was not applied to my account until XX/XX/XXXX. I have been hung up on by staff and supervisors when I request the break down of how my interest rate was applied. My command sent me to a financial counselor who called the company and spoke with XXXX. we were placed on hold multiple times with an end result of them explaining that they would fax the paperwork requested and that their record shows this was applied on XX/XX/XXXX. We have yet to receive a fax showing the breakdown.
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
on XX/XX/2018 Westlake Financial Services has fraudulently taken XXXX + plus from me. Upon reviewing my contracts, obligations and rights as a natural person ; I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named in Truth in Lending. I requested a wet signature binding myself and Westlake in a contract 15 us code 1692. I also sent certified mail the revocation of power of attorney .15 us code 1640 ( a ) double the finance charge for each violation.15 us code 1635 ( b ) not liable for any finance charge or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, and any property to the obligor, the obligor may retain possession of it.
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
Reference XXXX I have never had a car repo nor had a bad payment history with this company internal error that they refuse to fix nor with their affiliate I applied for a loan and was denied by Westlake reason for denial is repossession with Westlake or one of its affiliates but I have not had a repo with any company this is an error and they keep denying me when I had a perfect credit history with this company and was never late and paid my loan in full and closed it therefore I do not understand the denial letters I called their office on multiple occasions and they advised they have no record of repo or account not paid their records show perfect history but yet they are getting incorrect info and denying due to internal error that they refused to fix
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In 2021 I bought a car from US Auto sales after being coerced into a car I didnt want and lied to that I could exchange it at my local branch, which I was unable to do because it went over the miles allowed. I asked specifically about gap insurance and if the car comes with it and I was verbally assured it did and that its with the paperwork. My boyfriend at the time was a witness to this verbal acknowledgment. A year later I was t-boned and the car was considered a total loss. Although upset because I would have to restart my car buying journey over I figured I was ok with payments because I had the gap insurance. When I called about it they told me I never had gap and I needed to pay the money owed on the car. Its now on my credit as a repossession.
|
| 07/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I bought a car though this company 4 years ago. In XXXX I received a call from a debt collector name westlake portfolio stating the were trying to collect a debt. I dont owe this company anything and never heard of them. They told me my car company went out of business and filed bankruptcy and theyre taking over my contract but Ive never heard this and they call my phone at least 50 times a day demanding money from me. My car loan say pain in full, XXXX balance owed on my credit report feom XXXX. West lake portfolio is not on either 3 credit reports. I was never notified that XXXX even went out of business and they still say to pay them. I believe this is fraudulent. Can you please tell me something. Im tired of being harassed by westlake portfolio.
|
| 05/13/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Westlake Financial Services $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights.
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish an account without my written instructions.
15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.
Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 05/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was paid off as agreed. The principle and interest was paid in full in XX/XX/XXXX. There was only a balance of estimated 400.00 left on the account. The finance company advise that my vehicle would not be repossessed due to paid in full. I just wouldn't receive my title until that amount was paid. In XX/XX/XXXX, my vehicle was unlawfully repossessed. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. I was told they sold my account to a collection agency and they were the ones who repossessed my vehicle. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts from my credit.
|
| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My vehicle was a total loss on XX/XX/2023. My insurance company ( XXXX XXXX ) paid it off via check in the amount of {$15000.00}. Westlake Financial received and cashed the check on XX/XX/2023. The money was never applied to my account. The vehicle loan still shows as outstanding and now I am being called by Westlake Financial by their collection department and being told I am past due and need to make a payment ( payment due date would have been XX/XX/XXXX ).
I request a payment investigation on XX/XX/XXXX by Westlake Financial to find the missing money. They have not found the funds as of XX/XX/2023. They are still charging interest daily and continue to call and tell me I am past due when in fact the vehicle was paid in full nearly 3weeks ago.
|
| 10/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
15 usc 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Westlake servicesXXXX XXXX XXXX has repeatedly harassed me through multiple emails!!!!
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
I, XXXX XXXX XXXX a XXXX XXXX XXXX XXXX at US Auto sales in XXXX GA on XX/XX/XXXX.
About 3 months ago Westlake Portfolio Management started to call me to collect payments from me about my car and saying that they are taking over US Auto sales and I need to make payments through them.
So I followed and started to make payments til I ask how much was my balance.
They said it was XXXX XXXX Dollars.
Which is incorrect cause I had got the car for XXXX XXXX Dollars.
I paid a XXXX US Dollars plus bi weekly payments since I had the car.
Few weeks later they came repossessed my car when I ask for the correct balance before moving forward on payments.
My original sign documents from my contract is in my car that they towed in the glove compartment.
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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.
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2019, the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) conducted contract fraud. The dealer made deceptive orders to sign a fraudulent installment loan contract. 15 U.S. Code 1692J prohibits deceptive forms. A car was purchased on credit, where CASH was utilized on my behalf for a downpayment. According to 15 U.S. Code 1662 dealerships are not suppose to ask for a down payment and installments. 15 U.S Code 1602G states we are the creditors. UCC 1 - 308 : All Rights Reserved. 15 U.S Code 1635 - Right of rescission as to certain transactions was not disclosed properly and faithfully.
FINANCE CHARGE= SUM OF ALL CHARGES Finance Company involved : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was told that I could call my creditors & they would work with me to help me during this pandemic financial hardship. In XX/XX/2020, I called Westlake Financial Services, whom I have a vehicle loan with & spoke to a customer service representative. The reason for my call was to tell them that due to Covid-19, I had been out of work since XXXX. I was told by the representative that I needed to make a payment or my vehicle would be repossessed. I made the payment with help from a friend. I am unable to make a payment this month & I am afraid that my vehicle will get repossessed. I purchased the vehicle to get me to & from work & for family travel. This financial service company is not working with their consumers & I do not know what else to do.
|
| 03/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/2020, I contacted Westlake Financial by calling XXXX to ask for 2 months deferment of my payments because I have been impacted by the Covid19 virus. I even spoke to a manager explaining to her in detail that I am economically impacted by the Covid19 virus. The manager would not assist me even after I informed her that I have been impacted by the Covid19. She stated that there is nothing they can do for me. This immediately caused anxiety and caused my blood pressure to rise. How can they not assist their customers with help during this emergency situation? This is unethical and inhumane. I am not running away from my responsibility I am financially hurting due to the Covid19 virus and asking for assistance so that I can keep my vehicle.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have never missed a payment before I made an insurance claim on my vehicle. There was a balance of {$60.00} left on the loan. I was unaware of the balance and my phone number was different and they didnt have the correct address or email on file. Any other time if a balance was paid they would make the payment current until it was time to make the next payment based from the balance. Instead they made the history reflect that no payment was made for a XXXX yr plus. Now my credit reflects that I made XXXX XXXX days of late payments. Thats not the case. They told me that the credit bureaus were the only ones that could make the change and that was not the case. This has been a knife in the process of buying a house because credit is everything.
|
| 07/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/30 customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : NOWCOM/ WESTLAKE FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report.
I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
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| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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As of today, Westlake Financial has called me XXXX TIMES, from XXXX XXXX through XXXX. I know my payment is due, but my husband recently lost his job with the XXXX XXXX, so we are struggling. Its a {$54.00} charge to defer the payment, and we cant even do that right now. They call me at all times! Even while Im at work and can not answer. And it isnt just today. They do this EVERYDAY, once the payment due date has gone past 1 day. They will call from different numbers, leave automated voicemails, email me several times. Its harassment! From Monday through today, they have called a total of XXXX times. These numbers will range from California numbers, Pennsylvania, Georgia, and Alabama. I cant even keep track of all the numbers I have blocked.
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| 08/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/22 I contacted Westlake Financial, LLC & spoke to XXXX informing the company of their violation against Pennsylvanias Usury law. I was told that there was no such department that would handle my complaint in regards to my illegally charged high interest rate of 20.90 % on my auto loan of {$17000.00}. According to the consumer law the maximum interest rate is only 6 % in PA where I purchased the car and where I reside. I want the company to pay me the charges of 3 times the amount charged 3x ( {$17000.00} ) whilst voiding the contract and removing their secured interest interest in my vehicle due to their predatory lending practices. Under consumer law I have rights to remedy. I am exercising my rights to the fullest extent of the law.
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| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My XXXX and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my XXXX and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXX we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
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| 10/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Ive asked several times why Ive one got an interest rate so high ( 20.99 % ) when my credit score during the loan origination was ABOVE 620. They are taking around 80 % of my monthly payment of {$330.00} and applying it to interest. Every time I ask they either A. Hang up on me, B. Give me a line of XXXX, C. Tell me they have the right to do as they please because its their money, or D. Tell me theyll get back to me and NEVER do. To give you an idea Ive been paying on this loan since XXXX of 2018 with a beginning balance of {$13000.00} and according to them I still have to pay these crooks over {$9000.00}!! By time Im done paying this loan off I will have paid over {$24000.00} for a car that wasnt even worth the {$13000.00} I financed it for!
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| 03/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report.
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| 11/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is in a closed/charge off status : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. They are currently reporting monthly LATE payments even as recently XX/XX/XXXX, along with PAST DUE balances. Also a false representation of the amount of debt on my credit file. Inaccurate statements of the balance due. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX and XXXX are failing to note that I have been disputing this account for multiple months.
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| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I got the car in XXXX XXXX. The company, American Car Center went out of business a week later. I received temp tags and was told I would get my title in mail. The company the sold everything to is Westlake. I called them and was told to email them to recieve my title. I got nothing. They then to me to go to my DMV and have them request it. They send nothing. I have been contacting them for 7 months about this issue and they are doing nothing about it and basically refuse to send me anything. I have muiltplie emails with no reply and when I call into customer service they just transfer me to anyone so they wont have to deal with it. My tags are expired and I can not drive the car due to that. They want a payment but cant send me anything.
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American, Servicemember |
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Purchased my car though XXXX XXXX 11 months ago. The company XXXX XXXX XXXX ) went under without notice to there customers. They sold the loans to Westlake Finance for collections. With the purchase of the auto they offered warranty and roadside assistance and rolled into the total loan. Upon call the warranty company I was informed that XXXX XXXX never forwarded any payments to them and they are not honoring any warranty. Upon calling Westlake Finance I was informed that they are not honoring the warranty and they are not lowering any payments for the warranty. I feel that this was an fraudulent loan transfer and needs to be investigated. Also there should be a stay on any loan payments and any type of repossession from Westlake Finance.
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| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I had a auto loan through XXXX XXXX, who said that I did not make a payment for XX/XX/XXXX payment was made over the phone, the then proceed to say I didnt make payment and send my loan over to Westlake financial portfolio who then sends me a letter stating they have taken over my loan and that my loan is late I then call and try to fix also send proof it has been 1 month they still have not fixed the problem also were calling multiple times trying to collect the loan after me explaining to everyone that Ive paid it and have sent proof still no resolution, I finally spoke to a supervisor who then said they would get it fixed and still nothing has been fixed. I dont dont like this company and I didnt agree to have my loan transferred over.
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| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
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|
Web |
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I asked U.S auto sales at the time about bringing the vehicle back because of the concerns I have with the gps going off randomly or the day of my payment they hit the " kill switch '' and I'm unable to get my wife to the doctor or just me going to work they said they'll take the vehicle with open arms back but I'll be responsible for the remainder, I asked why on multiple occasions if there is a defect that you guys installed that causes issues, I never get an answer always at that question the phone hangs up this dates back to 1 year from this month and always the same response! I would love to get from under them but it seems to be a nightmare of a financial trap!! Multiple videos of thos in my phone if proof is what your looking for!
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| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 08/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights.
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish an account without my written instructions.
15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.
Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 05/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
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This loan we originally held by another lender ( pelican auto finance ) that sold it. When it was sold they sold it for the original loan and the we place Westlake financial begin to try to collect on the full amount of the loan asfter i had had the car for several years. I contacted them when i was out of work on medical leave about deferring they payments but they did not want to help. Then i surrender the car and they would not pick it up or give me a place to take it. They refused to collect the car and told me they would just keep it on my credit. The care is not worth whats on my credit and as far as the value i have paid it but they are still negatively reporting that i owe $ XXXX on a XXXX XXXX XXXX that i am no longer in have.
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| 08/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have had my car for about three years, my car has had many issues since I purchased the car ( XXXX XXXX XXXX ), IVE NEVER MISSED A PAYMENT, BUT I HAVE BEEN COMING OUT OF POCKET FOR MAJOR ISSUES, LIKE MY ECP CONTROL CURRENTLY, BUT IT WAS FIRST MY ELECTRONIC FUEL PUMP WHICH WAS ROUGHLY XXXX DOLLARS, BUT BEFORE THAT MY CAR WAS STOLEN N TY HEY WOULD NOT HELP ME AT ALL, I CAME OUT OF POCKET FOR THE ENTIRE FIASCO, THEY ONLY GSVE ME ONE KEY SO I HAD TO PURCHASE A NEW ONE WHICH WAS ABOUT XXXX, N THEY HUNG UP ON ME, MANU TIMES DIDNT RETURN MY PHONE CALLS, N NOW I WAS LIED TO ABOUT DEFERRING MY LAST PAYMENT, TO Try N FIX MY CAR ITS BEEN A NOGHTMARE NOW IM OUT OF TRANSPORTATION AN ON THE VERGE OF HSVING A REPO I NEED HELP N ITS RUINING MY LIFE
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
Since XXXX I have attempted to resolve this dispute with Westlake Financial Services Inc, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to Westlake Financial Services over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by West Lake Financial as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
|
| 05/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
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I received a title loan on XXXX XXXX of {$2200.00}. The title agency charged me an extra {$3600.00} for acquiring the loan. The loan also- had an interest rate of 118.28 %. I made over XXXX payments of {$380.00}.
I had to file for bankruptcy due to my husband passing away and my financial status. The bankruptcy was filed on XXXX XXXX and discharged on XXXX XXXX, XXXX. The title loan agency was placed under the bankruptcy. Despite the closed out bankruptcy I continued to pay the agency. I became two months behind on XXXX XXXX and the agency came to my place of work and took my car. My son offered to bring the account current, but the agency added several thousands of dollars making it impossible for us to get my car back. Please help!
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and Westlake Financial Services on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from Westlake in attempting to resolve this matter.
|
| 11/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested a copy of my contract multiple times and their only response is that they dont have it. Some of the representatives lie and ask me for my email and pretend as if they will send a copy and I have yet to receive any documentation and it has been 2 months. I have written the company and I have called numerous amounts of time. They are very unprofessional. When I ask to speak to a manager they say that they are all busy. I understand that I have a right to the contract. They charged off the account as bad debt to the credit bureaus without giving me any information. This experience with a simple request has been overall repulsive. I literally had to beg a representative to try and reach out to a manager. Its disgusting.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I need to re-document and refile this grumbling to WILSHIRE CONSUMER CRED.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Westlake Financial is reporting a repossession on my credit report. I was never properly notified that my car was at risk of repossession. They never served or attempted to contact me. They used this strategy as punishment because I asked them to cease and desist from calling me every day when I'm just one day late. Prior to this, I had long term history-making payments to them and therefore was surprised when I walked outside to discover my car was gone without any notification. As a result, I had to pay to redeem my vehicle and additional fees. I've tried contacting them to correct this to no avail. Their practices were unfair, unscrupulous and they violated my rights by failing to notify me. These kinds of acts should be stopped.
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, XXXX - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 11/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help
|
| 04/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
On XX/XX/XXXX I took out a car loan in the state of California. I bout a used XXXX XXXX XXXX with XXXX miles. I moved to California on my own and was struggling hard and needed a means of transportation. I was desperate and need a car quickly which I feel the dealership took advantage of and signed me up for a contract that was not explained to, theyb essentially told me to just sign. The amount financed was {$12000.00} with total payments being XXXX. My annual APR is 27.29 which is extremely high judging the fact of what I make per year. They are charging me nearly XXXX for a used vehicle that is not even worth this amount. I am trying to figure what I can due and if possible I can sue the lenders in regards to predatory lending.
|
| 08/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Only XX/XX/XXXX. XXXX XXXX XXXX a Debt Collector, seized and Repossessed my Vehicle without consent or knowledge, my Original Leinholder is American Car Center, who went bankrupt, from XX/XX/XXXX to XX/XX/XXXX I paid all my payments on time, once these People look over my loan they tried forcing me, restart my loan with them, I tried setting up auto payment with them, which they set up @ {$250.00} ; yet, recieving my payments they never were crediting to my account, claim I was XXXX days behind. I never signed anything with them, they repossessed my car and still were taking money out my account after they repossessed my car. I had to canceled all my cards and now bout to get evicted from my house as a result, documents provided
|
| 06/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Date XX/XX/XXXX, American car center did thousands of people wrong. Customers employees. There are so many people trying to seek help. This business Westlake portfolio apparently took over debt from a car place. We were never notified. I reached out to the XXXX to contact them. They refuse to provide any further information/assistances about me needing to pay them thousands of dollars. Which I do not owe. I had ONE payment left on one vehicle I purchased from them in XXXX, and they tried to charge me XXXXXXXX XXXX more than what I owed. They towed my vehicle while I was at XXXX. I have my lease agreement from the car place American car center. They are breaking all the rules I agreed too. I want answers. They just took my car.
|
| 10/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
In XXXX XXXX XXXX I signed off on a lease through US Auto Sales in XXXX XXXX
My original contract was set up for 3x the amount the car was worth. Its a XXXX XXXX XXXX the car is only worth XXXXXXXX XXXX at most. At the initial contract signing I tried to negotiate with us auto and put quite a large sum down for the car itself. My loan is over XXXX for a XXXX vehicle. I pay over XXXX XXXX every two weeks. Westlake portfolio management took over my contract and they wont even let me see what all was changed. The contract was switched without any notice and I didnt sign anything to have it transferred. tried to switch to monthly payments and they wont help me with this either. Not only is this a huge scam, its downright awful.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle from US Auto Sales with an extended warranty. I had to take the car to XXXX XXXX for repairs. I was given a claim number from the warranty company. After a diagnostic was performed on the car, the mechanic called me letting me know my warranty was null and void. I called the warranty company and they informed me that US Auto Sales was not paying their contracts and they severed ties with them due to non payment. When I called US Auto Sales no one could give me a clear answer about what was going on. I had to pay {$1800.00} out of pocket due US Auto Sales incompetence. Now they have been bought out without restructuring the loan and I just dont know what to do at this point. I believe Im a victim of fraud.
|
| 04/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
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.
|
| 01/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing
|
| 05/08/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
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
|
| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased my car on XX/XX/2019 for {$20000.00} and I put a {$3000.00} down payment resulting to {$17000.00}. I have paid {$420.00} each month and sometimes even more. Its past two years and it shows that I still owe around {$14000.00}. My payments hasnt been going down. In my statements shows that sometimes it only goes down XXXX dollar. Please help. This car has ruined my life and now I dont even have money to take it out. My payments never went down and Westlake financial service is robbing me!! Its cause a big XXXX affect on me because Im been XXXX about paying my car on time during the pandemic and now having to deal with this situation. Also, please contact me with a XXXX lawyer. I had to use a translator for this.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with Westlake Financial Services. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
XXXX XXXX XXXX, Inquiry : XX/XX/2019.
WESTLAKE SERVICE INC, Inquiry : XX/XX/2019.
XXXX XXXX XXXX XXXX, Inquiry : XX/XX/2019.
|
| 01/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.
|
| 12/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks
|
| 03/20/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I offered a debt settlement to my old Auto loan company ( Westlake Financial ) I send them a letter, they called me back and accepted it ; I complete the payment and they agreed to mail me a pay for delete letter to have this collection removed from my credit report. The payment was made in XX/XX/XXXX and I still have not receive the letter. I called multiple time to see the status of my letter and each time they give me arbitrary information ( the letter was delayed, that it was sent, then that it was sent to my email ).
To add to all that, today I checked my credit report and they did not report the balance to XXXX ( what we agree to ) but they deduct the amount I pay from the amount originally owned and reported that.
|
| 12/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
When purchasing vehicle with original creditor ( US auto sales ), it included a warranty with a third party company that terminated early, due to original creditor 's negligence on making timely payments to warranty company. Original creditor abruptly ceased all business and sold my account to Westlake Portfolio Management when filing for bankruptcy and provided no communication that my warranty was no longer valid. Upon my discovery today, while experiencing trouble with my vehicle, XXXX XXXX XXXX XXXX, has advised me this is a matter I need to resolve with my finance company. Westlake has advised me there is nothing they will do to assist and the responsibility falls on me, which is not the contract I originally signed.
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Us auto sales closed down and sold my contract to Westlake portfolio management without me knowing or my consent. I didn't find out until I received a bill from Westlake portfolio management around the middle of XXXX XXXX by this time my account was behind, and I was making my payments to us auto sales. I made my last payment in XXXX of XXXX to us auto sales. when it was time to make another payment, I had no clue that us auto sales had closed and sold my contract to Westlake portfolio. its more but I will explain more when contacted. basically, as a result of this my car was repossessed and now, I am about to lose my job because I don't have transportation to work and really my account shouldn't have been in repo status.
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Iwastheco-signerforanautoloanwithWestlakeFinancialServiceswhichwasopenedonoraboutXX/XX/XXXX.ThevehiclewasthenvoluntarilysurrenderedonoraboutXX/XX/XXXX,duetoconstantmechanicalrepairs.Approximately7to10Kworthwithintheyearoftheownershipofthevehicle.Thecreditordidnotsendanyonetopickupthevehicle,untilXX/XX/XXXX.Furthermore,myXXXXandXXXXreportdonotmatchthecorrectinformation.XXXXhaslistedthattheaccountwasclosedXX/XX/XXXX.XXXXhasthattheaccountwasn'tcloseduntilXX/XX/XXXXandtheyhavelistedfalselatepayments.Wethenreceivedaletterdisclosingtheamountforwhichthevehicleitselfwassoldatauctionfor.Theamountshowndidnotaddupfortheamountthatwasstillowedbyus.Theyhavefalselyreportedthattheaccountwasarepossessionwheninfactitwasavoluntarysurrender.
|
| 08/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with Westlake Financial Services on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Westlake Financial Services took cash. The finance charge is supposed to include insurance, but Westlake Financial Services made me purchase insurance separately. Westlake Financial Services has reported late payments ( when I should not have payments ) and a repossession ( resulting from a a 30 day " late payment '' ) to consumer reporting agencies which reflects negatively on my report and is adverse to me.
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called several times requesting a copy of my payment history and was denied. First, I was told that they don't send out payment history. The next agent said he can't assist me, when I asked for a manager he told me call back to get one and hung up. The third agent said he doesn't handle my account and transferred. The fourth agent said that her system not letting her submit the request and transferred me to another agent. The agent came on the line told me to use my bank statement and hung up. This account is paid in full and there shouldn't be any reason why I can't receive a copy of the payment history. The customer service is rude and unprofessional. I even tried to call corporate and was routed to the call center.
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
WESTLAKE FINANCIAL SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
WESTLAKE FINANCIAL SERVI XXXX Opened XXXX XXXX, 2020 Balance {$8300.00}
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
|
| 08/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a auto loan thru Westlake financial that resulted in a repossession. They then got a judgement and garnished my paycheck for the remaining balance. After completing the garnishment and informing that is was complete they updated the credit listing to show a remaining balance of XXXX dollars. I have spent 4 months contacting them trying to get this corrected to XXXX as it is still reporting as past due. I have not been given a opportunity to pay XXXX dollars or any way to remove the remaining balance from my credit report. I have disputed the balance multiple times with credit reporting agencys and they keep verifying it as accurate. I just want the balance adjusted to XXXX and the account has been paid off.
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have brought 3 cars from Usautosales. Currently it's reporting on my credit report 2 times for different amounts. I have reached out to the company and also the company that has taken over its portfolio and still no answers. I charged XXXX for a XXXX XXXXXXXX XXXX I have had the car since XXXX and paid every payment on time. There is no way they are reporting that I owe XXXX to one company and XXXX to the other and reporting over XXXX or more to my credit report for the same vehicle. Not to mention 2 of the vehicles I had totaled out and I had gap and protection. But I paid out of pocket and was never reimbursed or helped. I actually had to pay them. Please research my case and inform me of the next steps to take.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I originally purchased a car loan through Us Auto sales with a XXXX XXXX payment of $ XXXXThe car dealership closed and filed for bankruptcy.They sold my contract to a debt collector ( Westlake holding management ) .When I checked my credit, the reminder loan amount is incorrect and seems that it has double.It also states that us auto is still the lien holder of the vehicle.Westlake is now reaching out to receive payments.Westlake is not honoring the gap insurance or the warranty that was originally purchased with the car.They cant provide me with my original contract nor have any updated information on my account.I am a filing a complaint with the knowledge of the FTC Prevention of consumers law and defense clause.
|
| 06/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have been defrauded by Westlake Services , LLC. I have been with them for five years.
When I went to get a 2nd car after paying off 1st car, I found out they never reported anything to credit agency 's. I have been fighting with them since then to report 1st car and now my 2nd car. They refuse citing absurd SSI problems " they cant talk about '' They are a predatory lender with uber complaints for same thing. I spent last 8 months trying to please them sending everything they requested over and over. I contacted credit agents and they said its clearly Westlake that is the problem! They have cost me thousands of dollars and lie about fixing credit to many people so you never get away from them it looks like to me.
|
| 09/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a car from US Auto XXXX XXXXXXXX XXXX and found out that Westlake Portfolio Management has taken over the loan. However I see that Westlake Portfolio is a debt collector. So I was trying to trade in my vehicle and the car dealer will not take my vehicle because of who i purchased it from. I have had this issue with several dealerships. Something about US auto is on the report but westlake portfolio owns it. They will not touch the vehiclewhen it comes to getting the title. However I noticed a few months back that US Auto has closed down due to bankruptcy. So can somebody please explain how a DEBT COLLECTOR has my vehicle and access to my vehicle if the car company has shut down and no longer in business
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Older American, Servicemember |
|
After reviewing my denial, i attempted to contact finance co to get a reason why since it was based on false information. I was repeatedly forced to select options with automated person and no way able to request anything from them. I tried to call XXXX but no one would answer my call..they repeat automated person and lead me to buy something. I dont know where the company got the false info and XXXX score shud not be denied. I verified thru other two bureaus i have only three inquiries but the co say i have 12. I have very low balances but the company claims my balances are too high. How can under {$200.00} balance be too high on a {$5000.00} or {$10000.00} available. Mortage and two credit cards almost paid off.
|
| 02/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please be advised that under Section 611 ( 5 ) ( A ) of FCRA-creditors are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious customer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Despite my previous written request, the unverified item listed below still remain on my credit report in violation with Federal Law. You have failed to send me copies of the SIGNED APPLICATION with MY SIGNATURE proving that the account in question belongs to me, yet you are still reporting the debt on my credit report.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent.
Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes
|
| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
My original car loan was with us auto sales. Loan was reassigned without my knowledge. Westlake financial service who is the company that my loan was transferred to repossessed the vehicle on XX/XX/XXXX stating I havent made a payment since XXXX. I was still making payments to us auto sales at that time and now have no way of tracking that information because the company websites have all be deactivated. I made a payment to release the vehicle on XX/XX/XXXX. I still havent been able to retrieve my car. I was given information to a company called XXXX to retrieve my vehicle. I have been trying to reach someone since XX/XX/XXXX and have yet to be able to reach by either phone or email regarding picking up my car.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Good afternoon, I denounce that without legitimate authorization, was consulted by 5 financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
|
| 04/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
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.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
PLEASE BE ADVISED THAT XXXX XXXX HAS INACCURATELY RECORD ALL PAYMENT RECEIVED ON THIS ACCOUNT XXXX. FIRST, THE COMPANY DOES NOT HAVE ORIGINAL CONTRACT WITH MY SIGNATURE OR TERMS OF AGREEMENT.SECOND, I NEVER RECEIVED AN INVOICE WITH COMPANY HEAD FROM THEM RECORDING TRANSACTION OR PAYMENTS FOR ACCOUNT XXXX. THIRD, I WAS CHARGED 2 REPOSSESSIONS ON ACCOUNT XXXX WHICH VECHILE WAS NEVER REPOSSED, AND IF SO, I DEMAND PROOF OF THE 2 REPOSSESSIONS. FOURTH, I NEVER AUTHORIZE OR GAVE PERMISSION FOR XXXX XXXX TO REPORT ON MY CONSUMER REPORT-ESPECIALLY INACCURATE INFORMATION. AND LASTLY, I WAS NEVER LATE OR RECALL A REPOSSESSION ON ACCOUNT XXXX. ALL HARM AND DAMAGES ARE A RESULT OF INCORRECT PAYMENT HISTORY AND BOOKEPPING.
|
| 06/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
XX/XX/2022 I helped my son to purchase vehicle. Had problems with the vehicle. The dealer gave us excuses, the vehicle needed repairs. Got tired of waiting. Called the Finance company to come get the car. Voluntary gave car back. Now my son and I are being harassed by the Westlake Financial Services. They lied to the credit bureau stating the car was repossessed. The vehicle was a Lemon, it had to many problems. I had made a complaint with XXXX, for the car dealer, selling vehicle with a problem with the Title. Could not trade vehicle, the car is not registered in the State Of Texas. Voluntary gave up vehicle. And the vehicle was not repossessed. Now finance company will not stop calling us. That's harassment.
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Description of issue : I got a pink slip loan 3 years ago and I have paid over XXXX on that loan. The amount borrowed was around less than XXXX. Most of that money has gone into interest instead of the principle, the interest on this loan is over 119 %. I have to re sign a new loan because I was given 3 years to pay it off but since I have not paid it off. I still owe XXXX towards the principal. I wanted to see what options I have, I dont want to lose the vehicle. The vehicle is not even worth that amount I have paid for or the amount I owe. Please let me know what you suggest or what options I have. I have copies of the original document I signed, the payoff letter and the amount I have paid over the 3 years.
|
| 03/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it
|
| 11/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Hello, I am XXXX XXXX, and WestLake company is a fraud company. I never signed any agreements with this company. I never applied for an auto in the amount that theyre saying I owe. I lease a car from American Car Center. I put down XXXX XXXX on a XXXX that value price was {$11000.00}. American Car Center went out of business, and West Lake is charging me XXXX dollars, for an XXXX dollar car that I put {$1700.00} down on. Its illegal for them to put that much percentage on a vehicle that I didnt sign an agreement with them on, and not only that, but I did not take out an auto loan for. They have also seized the property, and auctioned it off. Why am I being charged XXXX for property that they seized, and sold.
|
| 10/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
i bought a XXXX with XXXX XXXX and XXXX XXXX as the loan company. They told me in able to get the loan i had to sign to get gap insurance so i did i know im a little slow and stupid but when the company went bankrupt they transfered our loans to westlake financial and they informed me of a credit of XXXX for the gap ins that was isued to them when the company transferred the loan westlake has told me that they dont know anything about it and that there is missing paperwork in my file i asked them to refund me the XXXX but they dont know or dont want to because they said they can not refund it to me but they can apply a credit but i was never informed of this change.i spoke with mr XXXX from westlake financial
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Multiple calls were made to my personal phone number DAILY from the same company with different numbers. This continues to happen even after a call on XX/XX/2022 ( I believe ) to this company to desist and that we would sign over our vehicle back to them.
I notified the company around XXXX XXXX, 2022 that my income had GREATLY decreased and that we would do our best to pay. They notified me that I could not lower my payments and told me to pay and threatened repossession and that they would report my delinquent activity to the credit bureau. My family couldnt afford to eat working on a XXXX budget with an auto loan that cost {$500.00} per month and would sometimes throw my account way more in the negative.
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed the debt, and validation of the debt with the original creditor US auto sales due to Consumer Credit laws and it was successfully removed and reported as closed. I also had the closed account removed under consumer credit and contract laws successfully. The debt was turned over to collections with Westlake Portfolio as closed. The vehicle was then repossed and is showing as redeemed. Now it is showing on my XXXX account as open and delinquent. It also dropped my score in the XXXX range. The account is incorrect and under FCRA laws the original contact with US Auto Finance is illegal due to cash being given during a finance charge as well as the purchasing of insurance through the dealership.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role.
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
|
| 05/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
Multiple calls have been made to Westlake and their attorney XXXX XXXX for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep XXXX at Westlake said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information. A QWR was submitted and the lender has failed to respond prior to the sale date of the home.
|
| 06/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/2023 I sent a debt validation letter to was Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX. Today I receive a letter in the mail from westlake stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to westlake and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today westlake portfolio management provided me with a new address to dispute the debt.
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello Im trying to reach the creditor to explain the account is not mine, and I called them more than 5 times but unfortunately they disconnected the calls, and they want to listen to me, this really fraud and trying to assign account not belong to me, its effect my score negatively.
The company name is WESTLAKE PORTFOLIO MGM as per the attached Account overview Credit Close-UpSM WESTLAKE PORTFOLIO MGM XXXX Unsecured Loan {$84.00} Balance as of XX/XX/2023 Loan balance You've paid XXXX XXXX of your loan balance.
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score.
Payment details Payment status Past due 30 days Minimum monthly payment
|
| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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The car was totaled, XXXX issued a payment over XXXX on XX/XX/19 to WESTLAKE FINANCIAL SERVICES. I purchased gap coverage through the finance company they issued a payment of XXXX ; leaving me a balance of {$1600.00}. I don't dispute that the responsibility lies on me. However I am being told i have late charges and penalties for not paying a XXXX or XXXX payment of {$490.00} and they will report this to the credit bureau as a repossession. If my car hadn't been totaled and a payment of XXXX was made no payment would be due for almost 19 months how am I late on anything. How are they threatening me? They are still reporting a XXXX balance on my credit report ; negatively impacting my debt to income ratio.
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| 04/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.
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| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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|
WestLake Financial is a predatory high interest lender and they approved our loan initially. After approval, they claimed that the first payment was late so we have to return the loan back in Full with their additional Processing Fee. We contested the processing fee but they wo n't budge and threatened to file a lawsuit and even started sending us legal notices in certified mail. We return the loan along with the processing fee. In the mean time, there were 2 monthly payments that were made. When we asked for those Monthly payments to be returned, they flatly refused claiming that they do n't return any Payments despite the fact that Loan was Paid in Full without any deductions for monthly payments made.
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| 10/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company
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| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Had an Account with American Car Center for only XXXX days the account was closed and paid off after the car was totaled. They gave Westlake financial my account as an unpaid balance owed and also submitted their false bill in my credit too, before filing bankruptcy that I owed them XXXX dollars, not quite sure the exact number but I dont owe anything. I have reached out to Westlake numerous times and even provided them with documentation as requested to show that the company was lying and I owe them nothing. I dont owe American Car center anything and I have documentation where they sent me a letter for a XXXX dollar different amount. The letter states I owe XXXX they reported XXXX I dont owe anything.
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| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a XXXX chevy silverado on XX/XX/XXXX at the chevrolet dealer in the city of XXXX california for the amount of XXXX with a very high interest of 13.39 giving a total of XXXX including the initial payment for a period of 60 months. The loan was financed by the XXXX XXXX XXXX. The final payment of XXXX was made on XX/XX/XXXX when I called to ask about the title they told me that on XX/XX/XXXX I received it by mail and I called them many times and they only told me That the state sends them an error and they don't know what it is, therefore, today, XX/XX/XXXX, I called them because I did not receive it and they only told me the same thing that the state sent them an error and they hung up the call.
|
| 04/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In the beginning of XXXX I ordered my credit report and noticed that Westlake Financial services was on there. I disputed this account multiple times for verification and came back each time FCRA verified. After reaching out to customer service they wouldn't give me any info on this account stating that it was sold in XX/XX/2019. Westlake failed to notate that on my credit report therefore they violated my consumer rights to have an accurate and clear credit report. Even going as far as their customer service rep and supervisor telling me because it was sold I couldn't get information on the account that's still reporting under Westlake Financial Services on my credit report. This is illegal and unjust.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Hello I purchased a vehicle from USA auto sales and they recently shut down and my account was transferred to Westlake portfolio. The issue is the interest rate changes and none of my payments was applied correctly to the vehicle. I made on time payment for over a year and was informed my balance did not increase as the interest rate was inflated and the service warranty I paid extra for was voided due to USA auto sales never sending the money to the warranty company. The new loan holder stated I would have to speak with USA auto sales to have this issue corrected or return to vehicle which would negatively affect my credit Score. They inflated the interest rate and did not apply the payments properly.
|
| 12/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hi, so I finance my vehicle from XXXX XXXX XXXX XXXX XXXX through Westlake Financial on XX/XX/2020. My first payment was due XX/XX/XXXX, and I wasnt able to make that first payment which I contacted the bank to entend my first payment because I had XXXX. I sent them the information, all my documentation and they were able to extend it. On XX/XX/XXXX, a toll truck came and towed the car away, not knowing who did. Ive called westlake to see if they towed my car and they said no I need to call the dealership, they have no clue on that. I called my dealership and they as well said no they didnt. I was giving the run around on where is my vehicle which I feel like a fraud is going on. Where is my vehicle??
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
|
| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I have had a vehicle from US auto sales since XXXX which was financed for XXXX. I have had my vehicle disabled multiple times including when my daughter was out of town which left her stranded at a gas station. Not only this but the warranty wasn't upheld on the contract. XXXX of XXXX another company reached out to me via email stating i need to start paying them for the contract as they are servicing the account at which time i asked for a contract and i was told one is not available. I have reached out to us auto sales to find out it is out of business i have requested my title and contract and am left with nothing. I woke up to my vehicle being repossed from Westlake which doesn't own my vehicle.
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have been in contact with Westlake Portfolio since XX/XX/XXXX. I have paid the last payment on my car. I have called in XXXX and they said I was going to receive my title by XX/XX/XXXX. I called on XXXX XXXX and they said they had to resend me my title. I have been asking for a receipt or document stating this car is paid off and they said they couldn't send me one. Westlake Portfolio took over American Car Center. I have been more than patient. I have no receipt or documents or no title. As a consumer I should get a receipt or documentation stating that car I paid off in full and awaiting title. It's been 3 months and they continue to give me the runaround. The car is a XXXX XXXX XXXX. Please help
|
| 06/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
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I bought a XXXX XXXX XXXX back on XX/XX/XXXX my lender is westlake financial services located XXXX. XXXX XXXX XXXX XXXX ca XXXX imy monthly payments are {$500.00} my first payment was on XX/XX/XXXX since then I havent made any payment late I being charge 6 late fees {$25.00} all this late fees where accumulated on XX/XX/XXXX I call them on XX/XX/XXXX on XX/XX/XXXX and all I was told its they will escalate this but with out getting it clear or explain what have happened I contacted on XXXX my bank to request a copy of all payments made to westlake financial and there is not a single month that they havent collect the payments I had in made and indeed all payments have been process with out any delay
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Westlake financial entered a 36 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX ). Additinally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Contact Info Westlake Financial.
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased my car from us auto sales in XX/XX/XXXX and have continued to make my payments until XXXX of XXXX there was no where to make my payments up until this time. I received a letter from Westlake Financial which is a debtor collector and not a lien holder. The letter stated I owed XXXX, which is how much my car was when I purchased it. I disputed it and even asked Westlake Financial to furnish me with my contract And they never sent one. My credit report stated that my loan was 100 % paid in full and now my credit score has dropped significantly. I have not received a bill for a monthly amount or anything. I took a look at my contract and saw that my APR is different through out the contract.
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I was put in a bind when US Auto Sales went bankrupt and shutdown without any notice. I signed a contract with them and as the customer I feel like nothing was explained and I signed a XXXX car loan with them in which it's the car I have which is a XXXX XXXXXXXX XXXX is very over-priced. I feel like the way they do service is trash. And I also feel like it was a breach of contract to sell my info to another company without my permission. And Westlake representatives is very unprofessional, speak broken XXXX, always hang up in my face, and they also can not produce any contracts and my balance is wrong. And now they are repossession cars when I don't know anything about their company or what they do.
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
Possible Discrimination with disturbing unfair practices On several dates in XX/XX/XXXX and recent contact on XXXX, XXXX, XXXX complete loan verification as Co-signer auto loan.
XXXX representatives request return call ( no longer effective ) credit freeze on XXXX credit report.
After several attempts request pull update report, XXXX representatives advised send email credit analyst process XXXX XX/XX/XXXX, XX/XX/XXXX XXXX however no return call and dealerships also attempt help solve problem. Effective, as of this writing Ive called following info and have been hung up or transferred to the XXXX # phone que, with no help to get verification to finalize auto loan.
Westlake App number XXXX XXXX
|
| 03/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have used XXXX XXXX XXXX on more than one occasion. However, the present loan seems a bit out of sorts, since I have been paying more than the monthly minimal payment for over a year, but only a fraction of the payments have been applied to the principal. I understand that lobbyists in California, and maybe even Washington D.C., have managed to legalize loansharking by circumventing common usury laws whereby paving the way for predatory lending. However, sometimes laws need to be tempered with a bit of common sense and morality. I understand that XXXX XXXX XXXX has had issues in the past with the CFPB, if not some other financial regulatory body and I feel strongly that they deserve another look.
|
| 09/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This account Westlake financial is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or XXXX just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.
|
| 12/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reached out to Westlake Financial on numerous occasions to get the documentation for the auto loan they are reporting on my credit reports. After several attempts, they have failed to provide me with anything. Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
I requested my original contract, legal disclosures, all documents required for the repo and anything else they have in their possession. I never received it.
I could easily take them to court for continuing to report this account on my credit reports since i did not give them permission to do so in the first place. At this time, I am simply requesting this account be deleted from my credit reports.
|
| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Westlake Services Inc will be civilly liable under Title 15 U.S. Code 1692k if Westlake Services Inc failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX.
My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
|
| 12/09/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
XXXX XXXX XXXX/XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX/WESTLAKE FINANC XX/XX/2020 XXXX XX/XX/2020
|
| 10/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts
|
| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX email : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Westlake Financial SVCS, # XXXX ) has violated several of my rights.
15 U.S.C section 602 ( a ) Clearly states that I have the right to privacy.
15 U.S.C 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 05/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XXXX XXXX , 2017 I traded my car which was financed through westlak e Financial services and paid off by XXXX XXXX XXXX . The salesman contacted Westlake to retrieve the payoff letter. After doing so the trade took place and I left the dealership. XXXX XXXX XXXX 2017 I checked my credit report and noticed that Westlake reported that my account was still open and was delinquent. I still have proof of the payoff letters and copies of the pay off from the dealership. I asked them to remove the negative/ inaccurate reporting, However they refused an d one of the reps stated that my credit would constantly take a hit if I refused to pay more than the payoff stated was owed.
|
| 06/29/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access.
Westlake financial has my address on file as well as my email address and could have used either to contact me.
|
| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XX/XX/XXXX I received an email from US AUTO SALES STATING THAT I NEED TO CONTACT WESTLAKE PORTFOLIO MANAGEMENT BECAUSE THEY NO HAVE MY LOAN AND THAT IS A DEBT COLLECTOR COMPANY WHO DOES NOT HAVE MY CONTRACT NOR HAVE I SIGNED ANY CONTACTS WITH THEM AND US AUTO SALES BREACHED MY CONTRACT CAUSE SINCE THEY SOLD OUR LOANS TO THE DEBT COLLECTOR THE EXTENDED WARRANTY THATS INCLUDED IN MY LOAN IS VOIDED AND THE WARRANTY COMPANY TOLD ME THAT WHEN I REACHED OUT TO THEM ABOUT SOME WORK THAT NEED TO BE DONE MY CAR And NOW IM STUCK WITH A CAR NO WARRANTY THAT NEEDS ABOUT XXXX worth of work Done to it Have been requesting my Contact from WESTLAKE for a month now and they keep saying they dont have them
|
| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have purchased a XXXX XXXX XXXX from Us auto sales due to my last automobile breaking down on me I have had this vehicle for almost 2 years in XXXX of XXXX my monthly payment is XXXX per month after logging into my account I see that my interest rate is 17 % the price for the vehicle is {$20000.00} after making payments for almost 2 years my balance is {$17000.00} even though I have paid almost {$9000.00} after going to the XXXX dealership and getting my vehicle value quoted this vehicle is only worth {$4000.00} and before hand was only worth about $ XXXX {$8000.00} when I got it I feel like Im being robbed and screwed with no gasoline could someone help get me out of this bad car deal.
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a Dispute on XX/XX/18 with XXXX for inaccurate information showing on my credit report ( dispute report # XXXX ) from West Lake Financial for a Auto loan on a XXXX XXXX XXXX.
West Lake place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to XXXX that the account was always in good standing from inception to close but for some reason I don't know why XXXX will not remove the Delinquency from my report.
I called West Lake and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late.
This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Paid for extra gap insurance @ XXXX and paid for extend service warranty @ XXXX To Us Auto Sales , Inc loan was acquired by Westlake portfolio management who said they will not be honoring neither of those services and that they could not refund any payments to date or future payments on that this was on XX/XX/2023 when Us Auto Sale all of a sudden closed their doors with no written documents or warning of closures or distribution of contracts written by them it has not been easy trying to make payments to Westlake portfolio management either I have all of the contract that was signed up on and I am still being charged for that extra gap and warranty to this day and can't use any of it.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American, Servicemember |
|
This is not about a company.Its about inaccuracies on my credit report.one is I dont have 2 outstanding loans. I purchased a used truck a couple years ago and got in house financing and the financed was Westlake financial out of XXXX XXXXThey were charging me 18 percent interest so I had my bank ( XXXX XXXX XXXX in XXXX Texas to assume the loan at 6.9 percent interest.So they paid WestlXXXX off and my title is with the loan officer XXXX XXXX in XXXX.The next inaccuracy is XXXX XXXX XXXX.I canceled that cc a log time ago.AndthisXXXX XXXX XXXX XXXX XXXX, I have no clue what or who this is you can call me at XXXX please help me with these three issues and get it off my credit report.Thanks
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
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I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX by Westlake and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XXXXXX/XX/XXXX and received discharge notice as well as letter from Westlake showing debt discharged and I'm not responsible. Westlake as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX XXXX open XXXX XXXX lender XXXX XXXX remove account completely!!
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!!
XXXX, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication!
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
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| 06/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Westlake balance not reporting incorrectly on my XXXX XXXX, XXXX, and XXXX ; balance XXXX. XX/XX/2020 payment sent to Westlake.Also, monthly interest is not reporting right ; I would like to get these interest calculation fix. Also, need Westlake to remove the loan account from adverse with XXXX XXXX file. This account has not been 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy, discharge, foreclosure, repossession, tax lien wage garnishment, or write off. I spoke with XXXX XXXX, XXXX, and XXXX, the supervisor on XX/XX/2020, and the account is still reporting inaccurate information on XXXX XXXX, XXXX, XXXX.
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| 08/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Im not sure the date but I do my contract from Us Auto Sales. Im a victim of this as well Ive saw all the news about this and wanted to know my opinion as a consumer customer. My account was transferred over to a company called west lake and when I tell you RUDE NASTY and very DISRESPECTFUL I knew nothing about them until last month they called saying I owe money and if I dont pay my car will be towed and they are reporting everything to the credit bureau . Ive had my car not going on 3 years and I still owe {$17000.00} plus on this loan I was a victim of being overcharged car cut off etc. From my understanding US Auto Sales filed bankruptcy and we wasnt notify or anything. Please Help
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| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
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Web |
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There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively.
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
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| 05/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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West Lake Financial has reported to my credit that I have a write off on the vehicle I had a loan for in the past. They reported false information on my credit, and have not removed it. I have paid my last payment to them IN FULL in the amount {$330.00} on XX/XX/XXXX, of XXXX. This should have been resolved and not reported as incorrect information. It is not a write-off. I also have the title to this vehicle to prove that they sent it to me in return for the last payment sent on XX/XX/XXXX of XXXX. As well as bank statements. It is now XX/XX/XXXX. I would really appreciate it if this is taken off my credit history. As this is definitely FALSE information.
Thank you, XXXX XXXX XXXX
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| 02/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I attempted to purchase a used vehicle from XXXX XXXX of XXXX Maryland,,, the bank Westlake financial serviced the loan to the dealer however the contract was canceled and the dealer issued me a letter signed and dated that I wouldnt be responsible for any future payments or be sued for the vehicle releasing me from the vehicle,, however Westlake the financial company has not received the check that was issued to the dealership so every month that the dealership does not send it back the financial company marks a late payment on My credit report,,, the car was returned with keys and temp tags,,, I have called and left numerous messages to dealership however I have gotten no response
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| 11/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
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I financed a vehical throught XXXX XXXX XX/XX/XXXX. The company was reporting all of my on time payments correctly until XX/XX/XXXX. I still have the vehicle and i still make my payments on time but for some unknown reason XXXX XXXX turned over my account to a new financing company without my knowledge ( Westlake Profolio Management ). I've tried with no satisfaction to contact Westlake and also XXXX to update and correct the deletion or missing information on my credit report. Because of this my credit scores have dropped drastically. XXXX, XXXX and XXXX have been alerted of this but all three claim there is nothing they can do. I've filed disputes and yet nothing has changed.
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| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Westlake Financial is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be
removed in 4 days. 15usc1681a-4 privacy obligation not kept. 15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account.
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
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| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
XXXX of 2022 I purchased this vehicle from US Auto Sales of Fayetteville NC for the amount of {$21000.00}, with a monthly payment of {$500.00}. When signing this contract I agree to pay additional fees to have a GAP insurance added to the vehicle. However even though I have been paying for it for over a year, XXXX has come out and stated US Auto Sales never paid towards the premium and that the insurance was never even able to be used. This is a breach of contract. Also a total of 5 times throughout the year of owning this vehicle it was turned off by a pastime device and made it where I was unable to crank my car and would be on hold with them for hours to get it turned back on.
|
| 01/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
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My name XXXX XXXX and wife Is XXXX XXXX XXXX XXXX we had car loan with XXXX XXXX and it was transferred to westlake financial. They did it in XXXX and we was not notified by email or mail that our loan was turned over to Westlake Financial. So we sending our payment to XXXX XXXX for XXXX and XXXX which was not sent to Westlake Finanical. So we both got negative History on our credit for XXXX and XXXX. We never got nothing from them letting us know that it was turned over to Westlake Finanical. Plus Westlake Financial didn't even send us anything to let us know that they had our loan. All we asking is that they remove the negative history from XXXX and XXXX on our credit report.
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| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American, Servicemember |
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This was a five-year loan that has come to an end. I am XXXX as a senior citizen and must have missed five payments during the five-year loan. I tried to pay but they refuse to allow me within my portal and talking about repossessing my car for {$700.00} due. Instead of allowing me to pay they simply say call. I do not trust them for an over the phone conversation. I fail to see why I can not pay using my company provided portal. Part of the problem in the past was this portal. This is harassment and I have all the emails including pages of them telling me I was aware of this five years ago when I signed the contract. I am XXXX XXXX XXXX ; I can't remember what I did last week,
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| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
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|
Web |
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I reached out went my car went down and tried to make a warranty claim because I am paying for a warranty in bi-weekly payments. The representative at Westlake told me that they couldn't honor my warranty because they only collect payments. I was also advised to contact US Auto Sales because they put a repossession on my credit report and to speak to them about my warranty, but they can't provide me with a phone number. How can I contact someone who is no longer in business? I made the decision to do a voluntarily repossession because US Auto Sales put a repossession on my credit report and it never was repossessed until I called and return the vehicle. This company is a scam.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XX/XX/2019 to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XX/XX/2019 and on XX/XX/2019 to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I attempted to use the extended service contract purchased from US Auto Sales about two weeks prior to the dealership closing. I attempted to contact the number given on the service contract for repairs when I was told that US Auto Sales hadnt paid their bill and the contract was not going to be honored by XXXX. Westlake Portfolio Management purchased the loans from US Auto Sales after they went out of business. I attempted to contact Westlake Portfolio Management about this and they said it was nothing they could do and I would have to make the repairs on my own and continue making payments which included paying on an extended service contract that I would be unable to use.
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
So I first had a wrongful repossession but I just returned the car I didn't want to deal with it anymore and was told the money I already gave them would be returned to me and now there saying there not giving it back to me after on a recorded line I was told that they would send a check that it will be to me within 20 days I waited 20 days no check called back they said that information was incorrect they would not be sending a check instead it was processed on the XXXX of XXXX to be returned to my bank card I paid within 5 days I waited 5 days now there saying that they don't owe me any money and the account is closed and everything I stated is on a recorded line thank you
|
| 06/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
|
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On XX/XX/2023 I sent a debt validation letter to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. Today I receive a letter in the mail from XXXX stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to XXXX and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today XXXX XXXX XXXX provided me with a new address to dispute the debt.
|
| 01/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
Older American, Servicemember |
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on XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX.
they are no longer in business. the price was {$7400.00} i put a down payment of {$1000.00}. the balance of {$6400.00} was financed by westlake financial. the payments were {$250.00} per month. i did not really look at the interest until westlake financial gave my loan to a company called XXXX XXXX. i went through bankruptcy from XX/XX/XXXX through XX/XX/XXXX i did not put westlake financial on my bankruptcy case. when i looked at my loan i have paid {$3300.00} XXXX. i knew i would pay a high interest rate.
i thought i was paying 24.99 %.
i am checking to see if the rate of interest i am paying is legal.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Westlake portfolio management is requesting payment to be made without showing any documentation charging unknown fees that I didnt agree to.. changing my loan termt and the amount of the loan as if if I never made any payments at all. Ive asked to see a contract and or the power of attorney. I havent received anything. Ive asked about the warranty and the gap insurance and they tell me that they will not be honoring it. Continues to call and email demanding payments but havent received anything that I asked from them. I would like all of my money back and they can have the car.. if theyre not going to honor the current contract. Made inquiries on my credit report as well.
|
| 10/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have had my auto loan for 5 years now XX/XX/22 will be my last year. I have missed a few payments during covid. I am slowly catching up in 5 years of making payments I have paid XXXX dollars for my car now the payments I have missed and I am still about XXXX behind. with all of that paid, I have only paid off 5 % of my XXXX loan somehow! I have 14 months left and still owe. almost XXXX even tho I have paid XXXX with 14 months left on my loan if I make all my payments that only adds up to XXXX $ I feel so defeated that I have paid almost XXXX of my hard-earned money to see I never made a dent in loan and even after 72 months somehow will still owe! This has to be iilegal
|
| 02/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( Pelican auto Finance ) not one payment was ever reported. In XX/XX/2018 loan was transferred from Pelican Auto Finance to Westlake Financial Services. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( XXXX , XXXX, XXXX ). Westlake sent a written response stating there is nothing they could do about the current situation. My loan with Westlake Financial is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
West lake financial returned my vehicle as agreed on XX/XX/XXXX. We were informed that the vehicle was in the same condition as when it was picked up 6 months ago. We have been working with XXXX XXXX. When the car was delivered it was NOT in running condition and the key was broken off in the ignition the car has no power and is not running. My mother has made several calls with no answer. One additional call was placed this morning to XXXX which is XXXX number at west lake that has now been disconnected. Since my loan falls under the SRCA it was rewritten following those guidelines. As you can see in the attached documents westlake states the car is in running condition.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I bought a car from US AUTO SALES had to replace head gasket twice then replaced motor. I had a warranty but they didn't pay. Then they added insurance to my payoff {$100.00} a month when I had my own coverage sent in proof and they didn't give me credit. When they went out of business. The new company added {$1800.00} to my payoff. Making me owe more than my payoff. Everytime I explain to westlake financial they never respond. They just want my payment. Which is {$1800.00} more. I sent them letter that US AUTO sent me stating a credit. They still say I owe that much more. My car should be paid off in XX/XX/2024. But they will never call me back to discuss this situation
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I financed a vehicle through Westlake Financial. I later turned the vehicle in after having it a couple years. The new car company paid the remaining balance off. I discovered that Westlake Financial was stating I had a unpaid balance of {$40.00} which was on my credit report. I contacted the current car company they issued me a check for the {$40.00} I then got a money order and sent it to Westlake Financial. This has being an on going issue back and forth with them and a third party company for years now. I also paid {$40.00} again to the third party. It's still on my credit report when it is passed the time that it should had fell off. This time period is around 2012.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX.
See an error?
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
|
| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.
|
| 07/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Good morning, On XX/XX/2021, my car was struck by a vehicle. I filed a claim with the drivers insurance company, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX deemed my vehicle a total loss. XXXX contacted my leinholder, Westlake Financial to obtain the payoff amount on XX/XX/XXXX. Westlake Financial released my financial information to XXXX with my consent or granted authority, on XX/XX/XXXX.
I contacted Westlake Financial the morning of XX/XX/XXXX and was offered no information regarding their authority to provide my personal and financial information to any parties. This has caused a significant stress on an already adverse situation regarding my health and well being.
|
| 07/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I thought I had paid off my truck loan on the XX/XX/2019. The company sent me a bill that stated my payoff was {$47.00} by the XX/XX/XXXX, so I paid that day the XX/XX/XXXX by debit card for {$47.00}. I checked my bank account and it stated pending transaction, I had over {$5000.00} in the account. I received a phone call yesterday XX/XX/XXXX stating I owed a past due amount of {$160.00} with no late fees!? I called and stated that I had paid off the loan on the XXXX for {$47.00}, but when I went to get the proof of the payoff from my account there was no transaction on my statement. Now they say I have to pay the {$160.00}, what if anything can I do in this situation?
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from US Auto Sales. I also purchased a service contract warranty. The car had significant failures and hidden damages that started to surface within a couple weeks. I contacted US Auto on several occasions to set up repairs and they refused to return my calls. I attempted to make repairs and that is when the warranty company told me US Auto Sales defaulted on their payments and they would no longer be covering warranties. US Auto charged me for a service I can not use and they sold me a lemon based on N.C. Lemon laws. Im requesting compensation, cancel of the loan and I turn over the vehicle, or payment for all repairs.
|
| 09/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
US Auto Sales financed me a car that the value has been quadrupled the amount of the retail value of the vehicle and they agreed to transfer me into a cheaper vehicle, then the next week they went out of business, I have a XXXX XXXX XXXX that they are charging me almost {$24000.00} that is well over the XXXX XXXX price for the car, I would like a cheaper vehicle or a reduction in price of the vehicle, I have not missed a payment and have been a excellent customer, Westlake Portfolio has threatened me and told me that I have to pay that balance no matter what!!! I need someone to talk to about this because the vehicle is super tiny and I am being ripped off, thank you
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My car was totaled back in XX/XX/XXXX. My insurance company, XXXX, paid {$12000.00} on XX/XX/XXXX that Westlake confirmed they received. I have GAP insurance to pay the remainder, but they have not processed it yet, which results in my remaining payoff of approximately {$4500.00} getting higher each day. It has been well over 30 days so my balance should be XXXX with the GAP insurance. This is still being reported to all 3 credit bureaus as a debt over {$17000.00} which is increasing my debt to income ratio, lowering my scores, and interfering with my ability to qualify for purchasing a home. The company needs to process the GAP claim and report the accurate balance.
|
| 05/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company has been a hassle to me since 2015. They have reported incorrect things on my credit reports regarding payments being paid on time, and reported as late. Also the balance is not reflecting correctly.
Other than information report on my credit files, my past 10 or so payment have completely went towards interest, including my most recent that was paid on time.
I am wondering how they put repossession fees that I wasn't aware of at the end of my term. This is the second time that this has happened. They told me the repossession fee was {$300.00} and was included with what I had to pay to get my vehicle back.
Please see documentation attached. Thanks.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; CONSUMER DATE XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX CO XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact Westlake Financial, XXXX, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. Westlake Financial is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
For the past two years I have been attempting to remove west lake financial services from my credit report. First date of dispute, XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX. XXXX XXXX XXXX do not report it on my credit but somehow XXXX does. When Ive disputed the account being reported on my XXXX credit I have informed the agents assisting that it doesnt belong to me. Recently on an urgent attempt I have submitted documentation to support my argument because Im in the process of getting a mortgage. It shouldnt take more than two years to get something removed that doesnt belong to your credit. Current account balance {$16000.00}.
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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I had a loan out with US auto sale financing, and I was charged double times, my car was disabled even when I wasnt late but they always turned it back on. But Ive been paying on my car for over 6 years now and it still hasnt been paid off. I know I should be done paying it by now. If they were using the money towards my payments, but now I have this company called Westlake portfolio sending me threatening letters to repose my car a company I didnt even know nothing about first off. And now Im struggling having to try and pay them XXXX XXXX a month when I was paying us sales XXXX XXXX a month for almost 6 years, my car should definitely have been paid off by now.
|
| 12/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.
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| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
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| 01/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated
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| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Ive had a vehicle with US Auto sales for 5 years ( XXXX XXXX XXXXXXXX ) the car was priced for {$18000.00}. Here it is, once they changed to Westlake Portfolio I now owe XXXX like how?!? Ive been double billed several of times which makes it extremely difficult to keep up with payments. I now have no choice but to surrender the vehicle and take a hit on my credit because the car had a mechanical issue that I reported BEFORE my warranty expired. They waited until it was expired to attempt to fix the issue and then tell me they couldnt cover the mechanical issue because my warranty is up. Now I barely drive the car cause it cost more to keep it then to carpool.
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| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I settled a charged off auto loan with Westlake Financial in late XX/XX/2020. I do not know the date because they had me mail a cashiers check and I do not know the date it was cashed. I mailed the check on XX/XX/XXXX. However, Westlake Financial has continue to report the account as Charged Off on my XXXX Credit Report. I disputed with XXXX twice and they updated it twice with adding an additional month of Charge Off reporting. I called Westlake to handle and was left on hold forever. The account has had remarks from Westlake for 3 months that the account was settled but they keep reporting it as a Charge Off. Please have this inaccurate information removed.
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| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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My care was repossessed in XX/XX/2017 and sold for {$2500.00}. I was harassed had wages garnished and my debt resold after the 7-year period. It is still on credit, but credit bureaus are lying saying that it isn't.
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).
It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
|
| 12/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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I notified Wilshire Consumer Credit that in XX/XX/XXXX that I was experiencing a hardship. Account number is XXXX. Instead of the normal monthly payment, I would be able to pay $ XXXX for XXXX to XXXX months and that I could resume full payments of {$750.00} in XX/XX/XXXX. This is fully documented. XXXX even executed a skip-a-payment in XX/XX/XXXX to assist. During a phone call today during which I notified I would be making payment earlier than normal ( this Friday the XXXX ), and for {$600.00}, the rep indicated the car has been sent for reposition. This is completely in unacceptable considering what is documented and offered. I pay this bill every month.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I have been dealing with USA auto services or sales. Back in XX/XX/2022 I purchased a XXXX XXXX.
In XXXX I had difficulties with the vehicle not working due to the killswitch that they had in the vehicle I complained to the company several times a few months after that, the company went bankrupt. I have been notified by another company but I'm not sure if that's the correct place they will calling about me paying for the loan and now they have stop calling. I can not get replacement tags on the vehicle and I had stopped paying the insurance on the car because it wasn't working. I have not gotten any resolve from the issue. And now I don't know what to do.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX XXXX, Sc XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C . 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C. 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
|
| 02/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from west lake finiacal that I never recieved if you read the dates on the loan and call west lake finiacial they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX report number is XXXX please help me get this item removed from my credit report.
|
| 08/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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I had a Auto loan with Pelican Auto Finance ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However Pelican still closed the account as a charge off Account. After sending in disputes to XXXX the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. XXXX couldnt verify any of the information do to the fact Pelican Auto Finance is out of business. I called Pelican to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.
|
| 04/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
WESTLAKE FIN XXXX Date Opened : XX/XX/2015 Balance : {$9100.00}
|
| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I already reached out to the credit bureaus and to WILSHIRE CONSUMER CRED for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
|
| 10/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Hi, We are a repair facility and XXXX XXXX and Westlake Financial Services have denied to pay a claim that was under their policy. They sold the XXXX XXXX Warranty product knowing the vehicle is lifted and have oversize wheel and tires. Later when we submit a claim for customer, they declined the claim and said they can not cover the claim.
Westlake is under the supervision of the CFPB. The CFPB has broad enforcement authority to prevent unfair, deceptive, and abusive acts or practices ( UDAAP ). ( 12 U.S.C.
5536 ( a ) ( B ) ( 1 ). ) We believe that Westlake and XXXX XXXX took money from customer and still haven't paid the claim we are entitled to.
|
| 02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The westlake financial account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.
|
| 07/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In 2015, I worked at a motorcycle dealership XXXX XXXX XXXX in XXXX XXXX XXXX Ca. At the time the Sales manger had a motor cycle for me to use. I have him {$2500.00} To use the motorcycle as it was from an auction he bought used. Its currently on my credit report and I never signed a contract. I didnt have credit sufficient at the time and he new that he said he would take care of it. The creditor on my credit report is west lake financial. When I did try and pay the loan the account number I was given never worked and could not find me in there system. I could not make payments as I was not in the system and kept on kicking me off there phone system.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I mailed a letter asking for the company to validate, not verify the account they are reporting on my credit report. I mailed this letter on XX/XX/XXXX with cerified mail and return receipt. I never recieved my receipt, the post office claimed it could have fallen off in transit. They were able to get me the necessary documentation from the return receipt. I have a printed copy of the name and signature of the individual who signed for the letter. It was recieved on XX/XX/2019. The 30 day mark was on XX/XX/2019. I have not received a response from the company nor have I received any indication that they were working to validate this was truly my debt.
|
| 09/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming.
The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX.
Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist.
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!!
This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.
|
| 05/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My loan should not have been for XXXX, as I made a XXXX dollar down payment and declined the extended warranty. The dealer was supposed to return those funds to westlake. I never heard of they did or not. Westlake is reporting information incorrectly across all three credit bureaus. They have been reporting me as 90 days late since XX/XX/XXXX, on XXXX there are two payments listed as OK for the months of XXXX and XX/XX/XXXX, but I did not have the car at that time. The last activity is reported on XXXX as XX/XX/XXXX and on XXXX as XX/XX/XXXX, and XXXX has nothing. The closed date on XXXX is XX/XX/XXXX and XXXX/XXXX is blank. The reporting is a mess.
|
| 11/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.
|
| 06/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
HONOR FINANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX at XXXX, my XXXX XXXX XXXX was repossessed without my knowledge. I was not told beforehand after I made a payment on XX/XX/XXXX. When, I called in regards to the matter, was told that I had to pay {$2000.00} to retrieve vehicle. This included {$680.00} for towing fee and storage fee. I was, also, told that there was no record of my payment of {$250.00} on XX/XX/XXXX and that I was several months behind, although, I've been on a " every XXXX weeks '' payment plan and have record of payments made through several accounts. This was after my contract was illegally sold to a debt collector, although my contract wasn't in default when sold.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Us auto sales charged me alot of interest towards the cars I've had through them and they repoed my one car when it was in the shop that they choosed and never called to let me know it was done and ready they just repoed it and then the other car they closed down and never reported any payments to the other loan company that took over and that one was repoed while I was at work.. both cars had the shut off switch and they pretty much screwed me over and when you try to talk to the loan company that took over they said we'll us auto sales never reported anything.. so now it's stuck on my credit report when it shouldn't be. It's there fault not mine.
|
| 02/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I already submit a complaint and it was closed because the financial institution sent you a letter stating that they contacted the dealership XXXX XXXX XXXX and the dealership agree in canceling the contract. When I contacted the dealership on Saturday they stated that they had no contact with the financial institution and that they did not agree to anything. I contacted the institution today and they stated that they have no knowledge of the letter that they sent you nor have let me speak with the dealership compliance department. For the contrary they are requesting for me to make the first payment of the vehicle that the due date was XX/XX/XXXX.
|
| 01/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Receive this loan through information online and over the telephone. Was told my payment would be a certain amount ( under {$200.00} ) and when the monthly payment was due, the amount was twice as much ( {$460.00} ) as the guy told me on the phone ...
I borrowed {$2500.00} and with in four months The loan has ballooned to {$8100.00} ... I was misinformed, the statements that are sent to my house are inconsistent with the online account balance, when you call the customer service reps, they talk in circles and use language and jargon the average person cant understand ...
This Company is out to manipulate and steal peoples money. They are vultures
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Westlake Financial has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get Westlake to do it. Entirely misleading. I have sent Westlake the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.
|
| 09/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My car was in a auto accident XX/XX/XXXX. The at fault driver insured by XXXX XXXX paid out and sent me title XX/XX/XXXX. My Insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my title clear but Westlake Financial Services continues to request monthly payments.
My concern is they offset the balance by write off or insurance ( XXXX XXXX XXXX ) paid off to release title to XXXX insurance but they keep collecting from me, the customer too.
Ive continued to make payments over a year while reaching out to them about this discrepancy, My attorney has also reached out & neither of us have received reply.
Please help me resolve this confusion.
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My contract was breached. My lien holder filed bankruptcy an sent debt to a debt collector by the name of west lake portfolio. When I never miss not one payment. They trying to double my payments from 74 month to 151 months. Its not right an its Unexceptable. I never signed a contract with Westlake portfolio. This whole time usauto knew they couldnt sale cars because they license was voided in XXXX. So why was they able to sale me a vehicle in XXXX. They filed bankruptcy because they money that I worked hard for my money an my payments WASNT paying off the loan it was going in there pockets. Everything about this situation is wrong. Please help!
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased XXXX XXXX XXXX from US Auto Sales in XXXX XXXX, w/ Gap Coverage never missed a payment payment were {$240.00} biweekly Ive been late once or twice and they shut off my care XXXX times, threaten to repo down since the switch to XXXX they have been calling me nonstop for a payment of {$290.00} biweekly and my payoff amount has increased, added interest and threatening to repo my car for XXXX missing payment.. they dont have a current/ active contract and I dont have the gap coverage that was included in my lease that I now found out I never even had but was pay for this is an outrageous situation, Im stressed and dont know what to do
|
| 03/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XXXX XXXX XXXX closed suddenly with no warnings to their customers. The leases were sold to another company. Westlake Portfolio LLC is who now owns my lease. I have not received any contractual information from this company. Although, Westlake did send a link to continue to pay for the vehicle. Ive called several times to have the contract information sent to me. On each occasion Ive been told something different by Westlake. The last call someone said give them between 7-10 days to have this information. It has now been well over 15 days since Westlake took over and they still have not sent me a contract or any other legal documents for my car.
|
| 07/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Westlake financial is doing perjury fraud and embezzlement and consumer credit debts ACH deductible accounts getting paid without permission using someone's credit identity theft in laying on my credit report said i purchase. vehicles that I never even ran my credit for and then they're going after my dead deceased father estate repossessing cars that was already paid for under his credit lying about giving the consumers this XXXX XXXX back in a civil lawsuit someone needs to release the feds after them recommended auto insurance fraud as well as consumer fraud my credit score is XXXX now because they been doing it for 4 year now over my estate
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have contacted XXXX, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with Westlake Financial Service. I have also contacted Westlake serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to Westlake informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
|
| 01/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX - {$8000.00} loan taken from Wilshire Consumer Credit with the terms of 48 monthly payments.
Last payment paid on XX/XX/XXXX.
When asked to return my title, XXXX said I still owned them {$9200.00}, generated from late payment interest which is never disclosed to me in my monthly statement.
They offered to rewrite another loan, and threatened to repo my car.
When I researched on the internet I found out there is a case exactly like mine posted on the news and XXXX. Due to the involvement of the media and XXXX the vehicle is returned to the owner and all the fees are waived.
Here are the link to the video XXXX XXXX XXXX XXXXXXXX
|
| 06/06/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This item with Westlake Financial in the amount of {$4800.00} is reporting on my credit report. I sent validation to Westlake financial no response. The company that used Westake called XXXX XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor Westlake financial for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
|
| 09/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I made payments to XXXX XXXX XXXX for over a year to which they never reported. I have contacted them this many times over the last two years. They said there was an issue with my name and that it was coming up twice. They initially asked for a copy of my drivers license and social security card which I provided. They then began asking for marriage certificates and divorce decrees but when asked which ones proceeded to instruct me to call the credit bureau as they could n't help me. I made my payments on time or early and sometimes made over payments.and want this to reflect on my credit as it caused me to have a higher APR on my new car loan.
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid
|
| 11/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
My car was totaled in a hit in run accident they are continuing to add fees and charge interest rates even though my insurance and gap has paid off more than most of it. My bill of sale and my retail installment contract are two completely different things my bill of sale says Ill have paid off XXXX and some change by the time the cars paid off and then the retail installment contract says XXXX would be paid off. Im just confused and lost Ive called and asked about it because my dad says I should have the car paid off by now it has been 2 years and my car payoff quote never reached below XXXX in the 2 years I have been with Westlake finicial
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report it reporting an auto loan of XXXX with no payment history starting in XXXX of last year. I have disputed with credit bureaus directly and it is not deleted. The number to the company on my credit report has NO RECORD OF ME WHEN I CALL IT. They just send me to a debt collection agency. The debt collection agency says they were given an auto loan contract from US AUTO SALES which the company filed BANKRUPTCY because the loans were fraudulent and they were caught. I have requested debt validation letters, a copy of my contract, any payment history, warranty contracts, etc. and they have nothing besides my personal information.
|
| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My car loan is due on the XXXX of every month. I have had Complications with my health since XX/XX/XXXX due to XXXX XXXX.
I understand as of today XX/XX/XXXX that I am 32 days past due on my payment.
Ive spoke to a Supervisor identified with User Code XXXX ( Last name XXXX ) to ask if they can please forgive the late payment and not report the 30 days late to the credit bureaus. I advised I wasnt able to make the payment due not being to work and make money due to complications to XXXX They said NO!
Can you please help me with this situation? I cant afford to have a late payments on my credit report.
Thank you so much for your help
|
| 03/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Due to a current crisis in the US ( COVID 19 ) I'm unable to work due to a XXXX 's governor order " Stay home '', thus I called them to ask for an extension, they offered me 1 month extension however this money will be added to the end of my term which is fine, PLUS they make me liable for an APR for the current month, I want you to understand this is not me who caused this crisis in the country and thus I refuse APR which is 18 % ; associate on a line spoke to a manager and they refused to waive the APR for the current month. I'm not using their car this month and it just sits here parked, they are trying to take advantage of a situation!
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
|
| 08/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
For the last three years I've been making payments to a company called Honor Finance through a wage garnishment writ. 25 % of my bi weekly checks have been getting drawn out of my account, which in total is {$9400.00}. I sent a cease and desist letter out to XXXX Corporate Offices, as well as the Office Of the Ex Officio ( Whom are enforcing the garnishment ) on XX/XX/XXXX of XXXX to advise to no longer withdraw money from my account. My Garnishments started in XXXX of XXXX and are still going til today. I paid over market value and when I contacted the Lawyer on the case and he advised that my payments should have stopped in XXXX of XXXX.
|
| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
Five months ago I bought a used car which got financed by a so called WESTLAKE FINANCIAL SERVICES CO out of XXXX CALIFORNIA I also bought the extended warranty and the GAP insurance. Two or three days later after I bought the car the engine light came on and its been an nightmare since then. XXXX XXXX was the day of purchase and to this day XXXX XXXX the estimated repairs needed exceed any amount of money I have. I tried talking to the dealership but they refuse to work with me Im talking about more than {$3000.00} dollars in parts alone. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
On XX/XX/2023 my car was repossessed, then Hurricane Idalia came and the following Monday I called to arrange payment and collection of my car, which I paid {$1000.00} on XX/XX/2023 and waited the requested XXXX hours. I called back after the XXXX hours was over on XX/XX/XXXX and was told that they would release my car, no one did so. I had to call back on XX/XX/2023 and was told that the release was not completed on XX/XX/XXXX and that they will do it now. It was released XX/XX/2023 and Westlake Portfolio management failed to send the hold notice on the car so that I could recover my vehicle they instead sent it to auction the next day.
|
| 04/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
What happened in regards to the estate of XXXX XXXX is the authorized agent of the principal has tender payment to satisfy discharge and setoff to the principal account and credit principal balance. Attempts to further this conversation with the Westlake financial federal reserve agent also known as XXXX XXXXwith no correspondence to the tender that's was presented the registered number for the certified mail is # XXXX I have not been issued a correspondence for the tendered payment.UNDER DURESS THE VEHICLE WAS REPOED WITHOUT LEAVING ANY NOTORIZED DOCUMENTATION BY AN MAGISTRATE/OFFICER OF THE COURT. IN BREACH OF SECURITY AGREEMENT TERMS.
|
| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
CERTIFIED MAIL Receipt # XXXX Hello my name is XXXX XXXX XXXX, I tried contacting WETERN FUNDING INC. Serval times trying to obtain my Full contract, My Truth In Lending Disclosure and My Notice Of Deficiency which is my notice of sale of the vehicle. My vehicle was supposed to be sold XX/XX/2022 and was sold XX/XX/2022 information that the vehicle was sold and the date was from an employee of the company. My contact did not have my Truth In Lending Disclosure it was all black which I received from The Dealership XXXX XXXX XXXX the salesperson name XXXX XXXX. I was not explained to about my contract or was I aware of what I was signing.
|
| 01/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Westlake Financial Services is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Westlake Financial Services did not give me notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( 3 ). I am the consumer and the only one that can validate my obligation to any alleged debt pursuant to 15 USC 1692g, I have requested that Westlake Financial cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I have also requested the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b ).
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I purchased a vehicle from them XXXX XXXX XXXX in CASH actually he ( man in office ) ran my card as CREDIT and took out the full amount with out my proper permission, but since it would be CHEAPER to pay the XXXX XXXX vs the {$6100.00} sticker price I didnt complain.
I was not aware that he would be running my credit illegally since i NEVER financed thru them. They also took the car back claiming I owed them money, these are the dates my credit was illegally pulled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called up there and they assured me they had NO FINANCE company and they didnt know who or why XXXX XXXX connected to them.
|
| 08/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/XXXXWe recently contacted California Department of consumer affairs regarding a vehicle we bought in XX/XX/XXXX from XXXX XXXX XXXX XXXX through West lake financial we made about six payments and now on the vehicle and then later we found out the vehicles have alot of recalls more then 10 the dealership which did not disclose about the safety recalls that was on the vehicles so we did a voluntary repo in the which Westlake financial took possession of the vehicle and sent it to the Auto auction they sold the vehicle for Less then what it was worth and know we are being sued by Westlake financial for the remaining of the balance
|
| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Purchased private sale vehicle in Massachusetts with westlake financial services XXXX XXXX XXXX XXXX XXXX as lien holder. I paid out settlement to XXXX from my bank account and they are not releasing the electronic title or speaking with me. They have taken my money, I have a notarized bill of sale, bank transactions for the settlement payment, a settlement offer from XXXX, a reciept from XXXX but no title, its been almost a month since I paid the loan and they are not releasing the title. I'm supposed to register the vehicle within 10 days of the sale but I can not without a title. I have more documents upon request. Thank you, XXXX
|
| 07/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
On XX/XX/2013 XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX points when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.
|
| 03/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I had questions about this alleged debt and the contract. I allegedly signed and what the charges for on this auto loan that is affecting my credit, I questioned the amounts and asked for the company to send me a copy of the contract that I allegedly signed. I have called them three times and asked for contract to be sent. Each time they say that they have emailed it, however I never received it. The company name is Western Funding and their phone number is XXXX.
I demand this account be validated and verified. I also want an audit trail provided with all accounting on this account. I want the original ink signed contract as well.
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/23 I purchased a used vehicle from XXXX XXXX dealership. Westlake Financial agreed to finance the {$5100.00} loan. I was told to make my first payment of {$180.00} by XX/XX/23.
I mailed the payment and then I was told my loan was denied because they could not verify my employment with the State of California ( they refused to call the employment verification number that my human resources provided ) My issue is not with the dealership, XXXX they found me a new lender. My issue is with the original lender, Westlake Financial.
They kept my payment and told me that since I do not have a loan, I can't get my payment back.
|
| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been with XXXX financial since XX/XX/2023. I use them to finance a new vehicle, and ever cents any time Ill do just about anything with the account whether its making a payment trying to deferred payment trying to get information they tack on ridiculous amounts of fees most recently I asked to defer my payment for XX/XX/2023 I have never missed a payment. In order for them to process the deferment request they demanded {$50.00} in fees and gave no explanation other than movement of the account as the reason for the fee. I have tried to refinance and have been unsuccessful and I am at my wits end dealing with these people.
|
| 10/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I had a Auto Loan with US Auto, which was supposely transfer/bought out by Westlake Portfolio Management . I called Westlake Portfolio Mangement and ask for a copy of my contract because the lenght of the terms they have is not matching my orginal contract that I signed with US Auto- I was told that they can not locate my signed contract. I asked may I hold any payment until they send me a signed copy of my contract. They advised me that I can but my car will be put on the repossession list if I do not make a payment today. Other representative just put me on hold for hours until they send me back unto an pre-recorded message.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made.
XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I am financing a car from a dealer and was approved from westlake financial for XXXX with an apr of 24.99 % with 66 payments of {$410.00}, which is really high for me for a first time and they provided me a credit score from FICO and when I called them to ask for an extension they said I needed a 4 payments to obtain an extension and they said that it is from the company policy which I ask to provide a proof and they were denying that request to provide me a proof, and when I payed one of the month it says the interest and principal, when I took out the car they recommended me a GAP in order to drive the car paying {$200.00}
|
| 12/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
After being harassed with phone calls from West lake financial services regarding the remaining balance from the volunteer repo ( the car was sold to someone else ), I received a phone call from west lake financial to pay a settlement amount of {$1000.00} and it would clear my debt on my credit report. West lake told me they would send me the {$1000.00} settlement letter in the mail and I never did receive the letter so I can pay the settlement amount of {$1000.00}. On XX/XX/13 a judgement was filed against me and wanting me to now pay {$8700.00} which is not the amount West lake agreed to settle this debt for off my credit.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from XXXX of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes
|
| 08/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
In XX/XX/2023 I paid off the remaining balance on my car loan one payment through debit card for {$820.00} and another payment through money gram for {$1900.00} the account was paid off in full due to the agreement me and Westlake had. Since XXXX I have been asking for the lien release letter and keep getting told something different every time I call and ask about it. I have asked to speak to a supervisor multiple times and one is never available. Since XXXX I have been calling and requesting the letter and nothing has happened today XX/XX/2023 I have did a lien title check with the DMV and the lien is still on the title.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Westlake Services Inc opened an account in XX/XX/XXXX. The account status on my XXXX credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and Westlake Services Inc has failed to provide such evidence for more than XXXX days now. I demand to know what evidence XXXX has that allows them to lawfully report this account as a repossession. If XXXX or Westlake Services Inc can not provide the evidence, then they must delete the record of the reposession.
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XX/XX/XXXX When my contract for my new vehicle was opened.
I Traded In My Old Vehicle ( Which Was A XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX was {$4000.00} and I Only Got {$2000.00} For A Trade In. Which Was Unfair Pricing.
-Over Reading My Contract I See That My Consumer Rights Were Violated -15 Us Code 1605 - States That There Should Be No Cash Included In A Financed Charge And The Dealer Knowingly Charged Me A Down Payment -15 Us Code 1602 ( L ) - States That My SSN and signature was used to complete this credit transaction meaning the card was already paid for.
There are a couple more violation in my contract as well.
|
| 03/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 10/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reached out to West Lake about the remaining balance on my account and Everytime I'm being told nothing. I've asked for documents pertaining to my account but nothing has been given.
They took over my account from XXXX XXXX XXXX without my know of knowing so I continued to make payments so I could keep my car. My balance has reflected XXXX and payments have been made. I have attached a screenshot along with my account number proof that my balance is XXXX they've reported it to the bureaus that I'm delinquent with this account.
Please provide any information regarding my account and fix this with all three bureaus.
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Payment was made to westlake financial on XX/XX/2023 in the amount of {$630.00} confirmation number for this transaction is XXXX westlake financial is insisting that they have not collected the amount of {$630.00} that was made on XX/XX/2023 we have explain to them that our bank has confirmed that transaction being processed we have called them and first representative we talked to confirmed that that payment was received but it would take 2-3 days to reflect in their system then when we called again they said another story saying they have not recieved no payment every time we call they keep telling us different story.
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I financed a XXXX XXXX XXXX through US Auto Sales around XXXX of XXXX. Within the first 30 days of me having the vehicle I ran into many problems with the vehicle. I was responsible for paying more than {$3000.00} in repairs for the vehicle and I am still making repairs. I was told that the warranty on the vehicle no longer stands because the company has gone out of business. I am left with a dysfunctional car and still responsible for paying on it. I am an XXXX XXXXXXXX XXXX XXXXr so my transportation is needed for my day to day activities and duties and this has caused so many problems with my work and personal life.
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| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWestlake Financial XXXX XXXX XXXX XXXX XXXX
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| 12/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX.
List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code XXXX XXXX-right to rescind after 3 vears iffescind paper work was never furnished Is U.s. code S 16356 - right to reseind and keep the property 15 U.S.Code {$1600.00} - Tinance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10
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| 03/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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A FRAUD WAS PERPETRATED AGAINST ME BEGINNING XX/XX/XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC AND IT'S REPRESENTATIVE XXXX XXXX ), USING XXXX XXXX XXXX XXXX TO OBTAIN AN AUTO LOAN OF {$25000.00} FOR A VEHICLE I NEVER RECEIVED. A {$4000.00} CASH DEPOSIT WAS OBTAINED FROM ME BY XXXX XXXX. I MADE NO PAYMENTS TO WESTLAKE. HOWEVER XXXX XXXX MADE PAYMENT ACTING AS THOUGH THEY WERE FROM ME.
A COMPLAINT WAS FILED AGAINST THE PERPETRATING PARTIES IN XXXX XXXX NORTH CAROLINA, ( BECAUSE I NEVER RECEIVED THE VEHICLE ), FOR BREACH OF CONTRACT, XXXX XXXX, CONVERSION, PIERCING THE CORPORATE VEIL AND FRAUD XX/XX/XXXX.
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| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In XX/XX/2022, I purchased a vehicle ( XXXX XXXX XXXX ) from US Auto Sales in XXXX XXXX, GA. The vehicle is a lemon. It has had a multitude of mechanical and the electrical system is not fixable. The company also hit the " kill switch '' frequently which always made the battery disabled. I would be only 2 days late for payment or not at all. The " kill switch '' would still be used by US Auto Sales. I was double-billed, also. I had the XXXX XXXX sitting at a Mechanic 's Shop, but the new company, Westlake Portfolio repossessed the vehicle. I am seeking relief from a chronically broken-down vehicle that was unfixable.
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| 08/28/2023 |
Yes |
- Debt collection
- Auto debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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Hello I purchased a car from us auto sale with no issues or hiding fees with my account. Never had an issue with making payments on or after my due date. West lake portfolio the company that brought them out is a rip off they are over charging my account for intrest and late fees and also for the payment to be drafted out of my account I contacted them about the problem and I was told that it wasnt a good time to discuss it. My payment are XXXX every two weeks but since the new company brought us auto sales out Ive been having issues with them since. In and reality Im not that much behind with my payments I need help
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| 11/14/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.
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| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Company made a hard inquiry on my credit and i have not asked for any service from the company. Company made a hard inquiry on my credit without my authorization since i have never contacted the company or asked them for any service. Ive called the company multiple times to asked for assistance in resolving the issue but since im not a customer they can not help me. Seems like the company doesn't have any procedure to assist non customers. Credit bureau is asking for a letter form the company stating i do not have any account and that they have not inquired on my credit in order to remove the inquiry from my credit.
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| 02/01/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Im upset that this Company has given me several different amounts they say I owe. Also they paid XXXX on this account monthly to start the Statute over and make it seem like I had been making these payments. Im upset that they would do that because I sent this car back in 2012 and hasnt made any payments since because the car I purchased was a total out vehicle. Ive explained this to XXXX and they refuse to look into it so that this account is removed from my credit report. They have reported 4 different amounts that I owe them and to think they would go to such links to try to solicit money from me that I dont owe.
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| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The starting balance on my loan was {$13000.00} XXXXI have reviewed all 3 credit reports for Westlake Portfolio on a closed repossession account that shows the current balance owed is currently owed XXXX. However I have contacted the company and they have also provided stated the owe balance is {$11000.00}. Upon further review of the XXXX page ledger at time of the charge off the balance that was owed is {$9700.00} with a date of XX/XX/2020. At this time my FCRA rights have been violated due to inaccurate information for balance due and credit reporting and I would like have this removed from all 3 credit bureaus.
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| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Received a loan you didn't apply for
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Web |
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I have been informed that this loan that I disputed was claimed accurate by this lender. The loan was opened in XX/XX/XXXX. XX/XX/XXXX the person who opened the loan up in my name made XXXX on time payment then was late from XX/XX/XXXX up until this date today. XXXX XXXX I went from living in XXXX XXXX Florida XXXX XXXX XXXX XXXX Nevada XXXX I have public records that are available to prove that. I have been trying to report this for some time and for some reason I cant get it off my report. I have called them to dispute the item and every time they say they are going to direct me to someone to help the call ends.
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| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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They call and harass me non stop. While I try and work everyday calling and calling 7 days a week. I reached out to try and re finance my car loan they told me no I couldnt. I became late on my payment. Then I send them almost XXXX dollars and they start calling and harassing even more. Their calls are taking a toll on my mental and physical health. Im a single mother of two small boys. And their dad stopped paying child support. I told XXXX this and they didnt care. I feel like they are trying to make me sick by their harassing g behavior. My XXXX XXXX is sky high and I cant take much more of them. Please help
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Purchased a vehicle in XX/XX/2022. The price of the vehicle was confirmed when I arrived at the dealership with the ad in hand, price was changed on the paperwork. I was forced to purchase a service contract with the loan even after I expressed in writing that I did not want the service contract. I was misled into believing these documents were not final and those changes would be made before signing. Contracts were " signed '' with my digital signature and submitted, adding more than {$3000.00} to the final purchase price. Complaints were filed with DMV, XXXX XXXX XXXX, State Attorneys Office, and XXXX XXXX.
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| 01/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have never admitted to owing Westlake Finance over {$16000.00} because I DO NOT. I don't receive correspondences from them as I have been requesting since 2018 such as the contract proving that they do own my account and that I so call owe them the amount they claim I owe them. This account has destroyed my credit score as as a result of their poor handling with providing proof and substantial documentation.
I have disputed this account numerous of times and the credit bureaus continues to say they have verified this account accurately which is not true and is a result of violating my rights as a consumer.
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| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have an account that is showing charge off in my credit report WESTLAKE FINANCIAL SVC I never got into an agreement with debt buyer.
I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I have disputed this that I never got into an agreement with WESTLAKE FINANCIAL SVC I dont understand why they continue to show that my account was charge off by them when the account was charge off by Automovil on XX/XX/XXXX.
Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.
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| 12/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Servicemember |
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I have a loan through a previous lender XXXX XXXX. They've sold the loan & didn't properly allocate all my payments to the loan NOW resulting in my vehicle being repossessed right before XXXX. I've contacted them via email to correct this but unable to resolve. I've contacted my banks to provide additional payment info. I've located two additional payments not provided on the ledger they've kindly sent you. I'd like my loan recalculated removing all inapplicable late fees. My vehicle returned & my loan paid in full. I am not happy with the results because I'VE TRIED TO RECONCILE WITH the CFPB & my new lender.
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| 09/06/2016 |
Yes |
- Consumer Loan
- Personal line of credit
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- Managing the line of credit
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Web |
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Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial
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| 04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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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.
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the fair credit reporting act Westlake Financial SVC XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights.
XXXX XXXX XXXX, has violated my rights.
XXXX. XXXX, XXXX XXXX, has violated my rights.
XXXX XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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| 03/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information
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| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
|
Westlake financial at XXXX ( XXXX ) XXXX calls excessively after establishing with the company that I do not have an account with them, and have never applied for a loan, credit, or have a debt with them. 6 different agents have told me they removed my phone number from their records and I would stop receiving calls. According to this last agent they have not. It was finally removed. we will see. I am getting at least 4-6 calls a day the past 3 days. This is a new phone number for me and even the agent verified that my name does not match the name they have for this phone number, but they keep calling me.
|
| 11/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2011 Westlake Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Westlake Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.
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| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is Westlake Financial.
I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.
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| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I FINANCED A CAR WITH ACOMPANY WHO SOLD THE ACCOUNT TO WESTLAKE FINANCIAL. WE REQUESTED OUR TITLE FREE AND CLEAR. WE HAVE MADE XXXX PAYMENTS OF THE XXXX WE WERE REQUIRED. SO WE HAD OVERPAID. WE PROVIDED OUR PAYMENT HISTORY AND IT MATCHED THERE PAYMENT HISTORY THEY HAD ON FILE. THEY CONTINUED TO ASK FOR A PAYMENT. WE AGAIN PROVIDED OUR PAYMENT HISTORY SHOWING WE WERE IN THE CLEAR AND HAD BEEN. WAITING ON OUR TITLE AND OVERPAYMENT THAT WAS OWED TO US PRIOR TO THE ACCOUNT BEING SOLD TO WESTLAKE FINANCIAL AND THEY WILL NOT RESPOND. BUT, ARE CURRENTLY STILL REPORTING TO MY CREDIT NEG REPORTS TO THIS ACCOUNT.
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| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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I paid off my car loan on my XXXX XXXX XXXX on XXXX XXXX, XXXX, and after calling them, going back and forth, visiting DMV multiple times, I still havent received my vehicle title as is today which is XXXX XXXX, XXXX. The bank who had my car loan is Westlake financial, they keep telling me thats a problem on releasing the lien on my title, which I went to DMV for verifying it. But what DMV told me is all they need is the bank release the lien on my title and they can give me my title right away. After dealing with them for over 5months, I lost my patience with them and start to file a complaint on them
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 06/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
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I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
WESTLAKE FINANCIAL SVC XXXX Balance XXXX
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I have been patiently waiting on Credit Bureau 's response to the written requests I sent regarding WILSHIRE CONSUMER CRED. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through WESTGATE FINANCIAL SERVICES I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 12/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i was in a car accident in XXXX XXXX i had full coverage insurance and gap insurance on my vehicle so it was covered and the finance company was paid in full. this account is being reflected on my credit as a REPO instead of a paid off account. i am now unable to get another auto loan because of this. i have spoken to several reps from the company and they told me they could not provide me with verification of a credit dispute sent on my behalf and all they could give me was the payment history showing my car was paid off. i was also told i now have to go through the credit bureaus to get this fixed
|
| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Kindly I had bought a car with extended warranty I had decided to cancel it in second day and the dealership had paid a check to bank to reduce the amount financed for the vehicle I bought And the bank had cashed the check but did not update on their system So the payoff amount was large And they kept charging me extra interest The customer service on the phone dont know how to fix the issue And I am ready to move to different Finanacial institutions to finance my car They are asking me to pay inaccurate amount so they are not fixing issue And beside that I am paying extra without fixing the problem
|
| 01/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I was traveling to my home country and set up autopay on their website. I left for months came back and my car was repossessed. I was in awe because I had set up autopay to avoid this problem. I called the company and had to pay them extra for the car and the rep on the phone apologized and said it wouldn't show up on my credit but the late payments did show up. I called them and they said they can't do anything about it. This is not fair because I haven't missed a single payment since this incident happened in XX/XX/2017 and they are not willing to work something out when their system was at fault.
|
| 12/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM WESTLAKE FINANCIAL SVC. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE WESTLAKE FINANCIAL SERVICES NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU
|
| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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|
XXXX XXXX XXXX XXXX has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information XXXX XXXX XXXX XXXX provided, I understated my income. Now I owe a debt to the IRS with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation. I've asked them for the original agreement with my signature, audit trail including XXXX, promissory note, XXXX and copy of the XXXX.
|
| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My car loan is with US. Auto Sales, who has transferred my loan to Westlake portfolio management. however, before the loan. US. Auto has been double charging me for payments, and additional fees along with charging me for collateral protection, for almost 2 years. when I explain to them that I have insurance, and sent proof as well. I never received any of my money back. I was sent a letter stating that they were looking into this matter, then next thing I know. I start seeing letters from another company stating that they've taking over for US. Auto Sales, and all payments should be made to them.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
An account was opened on XXXX XXXX XXXX for an auto loan by WESTLAKE FINANCIAL SVC, amount {$32000.00}. On my credit report it has me as a signer, which I was not/ did not authorize any transaction. After disputing it I reached out to the company, were a representative located the account and told me I was not associated with the account and that it should not be on my credit report. After waiting 30 days it remained on my report and I contacted the company again to requested information on the account and was told I was not authorized. They requested my SSN, and I denied giving the information.
|
| 10/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XXXX " XXXX XXXX XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Sold a car and acquired funding by forging an address to make it seem like I lived with another person in order to get approval from " WestLake Financial '' address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was later informed that the loan officer for XXXX XXXX XXXX XXXX XXXX was fired for unethical behavior. I have tried to resolve this with WestLake Finical but the minute I informed them it was a fraudulent loan they made the dealership by back the loan and refuses to speak with me to get this resolved.
|
| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Vehicle was repossessed, say I still owe {$3700.00}. I have contacted them several times to try and settle this and make payments of some sort. EVERYTIME Ive been told not handled by this department and moved around till disconnected. The one time I wasnt disconnected I was told that a collection agency was handling it and to call them. I call the collection company and they say theyre not handling it anymore and its been sent back to the financial institution. I filed a complaint with XXXX it it still remains and I cant get this debt settled. This is holding my credit score back! I need it gone!
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XX/XX/23 Westlake Portfolio contacted me twice ( between XXXX and XXXX est ) in reference to being 7 days delinquent. I advised that my payments were deducted semi-monthly, with the most recent being XX/XX/23 and upcoming for XX/XX/23. The rep stated something inaudible, communication was done. Later, closer to XXXX EST, another rep called in reference to the same thing. I requested a manager because Ive had the same call earlier and its a violation of the FDCPA. I was rebuttled, but still wanted to speak with a manager. The rep proceeded to try to collect. Then he stated all managers were busy.
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Last year I discovered a false account with WESTLAKE FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but WESTLAKE FIN denied the claim. Yet XXXX and XXXX removed this fraudulent account. This is not my debt. I have been cooperative with everything asked of me to dispute but WESTLAKE FIN refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello these company is reporting fraudulent account. Regardless of my previous written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. American Car Center XXXX
|
| 09/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Westlake Financial Services has consistently misreported to my XXXX and XXXX reports multiple times.
On my XXXX my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018.
They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred.
I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt apply that forbearance
|
| 09/17/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I filed a complaint against XXXX, they called me and told me that they had pulled my credit report an were collecting for Westlake Financial ( complaint number XXXX ), who I do n't have a contract with or have n't herd from in almost a year. You wrote me back and said the company was getting together paperwork and would respond in 60 days. Yesterday, I got a letter from them with a contract for another company, and they are still trying to collection. I am continuing my dispute with them. I am using this way to contact you because Ica n't log in and the phone number in your email does n't work.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years.
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 02/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
XX/XX/2023 found out my car loan on XXXX XXXX was past due. Called westlake financial, very unhelpful, unprofessional and disrespectful. Identified myself as a XXXX and still was unhelpful as well as hung up on. Asked for number to corporate office, supervisor XXXX XXXX told me I can XXXX it myself, know I'm XXXX she still violated the American with XXXX Act and refused to reasonably accommodate me under federal law!! Account is late and these people refuse to help, also noticed someone over at Westlake deleted my bank information that had been used and on file since I received this car loan!
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Westlake Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
US Auto Sales not only altered my loan and what I paid for a few months was completely gone when my payments was altered. They sent my loan over to Westlake Portolio and when doing so it altered my loan again. Its like I never paid anything once again, my actual loan contract has been altered by Westlake as well. My GAP coverage doesnt exist. US Auto had me paying for insurance when I was already paying for insurance myself. Ive only missed two payments which I called ahead of time to let them know I was not going to be able to due to XXXX even offered to provide documentation from the XXXX.
|
| 03/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
on XX/XX/2023 American car center closed. Left their consumers high and dry. On Social media I found out that XXXX XXXX XXXX took over. XXXX has never made contact with me. I believe that American Car Center scammed and broke their contract with me. Not only that I have a list of items wrong with the vehicle they refused to fix. I believe this is wrong on so many levels. I would like the title to my car and my money back. I made all my payments on time. I never missed a payment. So I hope you can help me. The contract itself has a lot of holes in it. if you need anymore paperwork let me know
|
| 06/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OHIO XXXX I have an account that is showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that they were allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my WESTLAKE PORTFOLIO MGMT/1XXXX are showing late pays I have since paid my account and it is fully current and I would like my account to reflect the current status to help protect the integrity of my credit profile. The late payments were reported in XX/XX/XXXX, XX/XX/XXXX.
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Ive made a {$3000.00} down payment with XXXX XXXX XXXX with westlake financial services. I was sold a lemon. I got the truck checked out because the motor was knocking. Comes to find out the motor was bad plus more I returned the vehicle to the dealer and theyre refusing to give me my money back westlake say the only thing they could do is remove it off my credit report ( as they said ) I want my money I put down on that vehicle and removed off my credit report. They are bad for business and have so many bad reviews, I wish I wouldve been done my research before even purchasing the vehicle.
|
| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
even thought this company seems to have a block on being able to complain about them i figured i would ive it one more go before lawsuit.
after filing this complaint against them that supposedly was duplicated and never sent they have changed the way it is reported on my credit report but they still fell to compensate for having to deal with this for the last 6 years of them lying. further more they have the audacity to still not report it as it should be paid in full never late most especially after having to deal with the effects of it for 6 years i mean it was about t fall off as it was
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Upon completion of the final payment to honor the lease agreement between myself and American Financial with option to purchase my wife asked the rep from Westlake Portfolio Mgmt about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points XXXX XXXX score dropped 150 something points. Westlake has reported my account delinquent. Not only was this account not reported on every XXXX payment I made for the last XXXX years now they ruined my credit at the end of the lease.
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After reviewing my credit report I notice that this company ( Westlake Financial Services ) are violating my rights as an consumer. My reputation have been defamed which is a violation according to 15 USC 1692 H. I have been harass at all forms and my credit have been misused and abused. As a consumer I have rights and this company is violating my rights as a consumer. The following laws are been violated 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. All violations are {$1000.00} per occurrence. I have attached a copy of my License to help identify me.
|
| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e
|
| 04/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
Older American, Servicemember |
|
XX/XX/2021 today at purchased the vehicle of {$8000.00} down payment the car was famous did XXXX something dollars Extra fees get an idea where my car payments are going up and the loan is going up Ive had problems with the car since day one I went threw a new transmission and engine already its been 4 months since I had the car I reach out to the dealership and bank no help from either side I feel like I was beat out of {$8000.00} now they wont let me trade it in they say I need another down payment and credit ran again now Im stuck with a broke car and still responsible for the car note
|
| 02/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have attempted to reach out to XXXX XXXX & XXXX XXXX numerous times about the account that has been reporting to my credit report. I also have sent in plenty of disputes regarding fees, regarding, payments, and credit reporting that I have yet to get resolved, I also attempted to reach out to this company via phone XX/XX/2022 with no type of resolution/explanation of such fees. It is my understanding that I am entitled to a signed contract of such account, I want a breakdown of fees and dates. i was given a computerized response status as updated or verified when no way this is correct.
|
| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I believe my car was illegally repossessed. The dealership, XXXX XXXX in XXXX, KY, tricked me to come back to the dealership by stating I had to come to sign some paperwork on XX/XX/2022. They then proceeded to tell me my car was being repossessed and I had to give it back to them. I put almost {$5000.00} down on that car, and they will not give me that money, told my husband and I not to call them, and will not return my phone calls. I spoke with the lender- XXXX XXXX XXXX and they told me there was nothing they could do, because I had been 2 weeks late on making a payment. The payment.
|
| 04/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX transferred their existing accounts to Westlake Portfolio Management without notification to customers. Westlake has been marking missed payments on my account that has a XXXX balance instead of closing it. This has caused my credit score to XXXX. The account has been paid off for 5 months and each month they mark me as a missed payment. When I call Westlake they can see its a XXXX balance but can not fix or disconnect me before they can rectify the situation. The customer service email provided also bounces back. I can not fix this, they will not help and this is ruining my score.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
purchased used vehicle XX/XX/2022. The finance company repossessed vehicle on XX/XX/2022 and cancelled contract. They told me that there is no grace period for 1st payment ; however, the contract doesn't state that. They will not allow me to reinstate the vehicle and has sold it back to the dealership.
In Maryland, I am to be notified within 10 days via personal service or certified mail of their intent to repossess and provided an opportunity to reinstate the loan and to redeem the vehicle, but those options were not given to me.
I am now out of my down payment and have no vehicle.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
West Lake Financial is reporting erroneous lates on my credit file. These lates are from XX/XX/20, XX/XX/20, XX/XX/20. During this time i was going through financial hardship due to COVID. My hours were cut at work and i struggled to make the payments. I called and made the payments as soon as i could to try an avoid a late notation but when i checked my credit file i noticed the late notations. Under the federal mandates, CARES ACT, you can not report late during the pandemic or due to the pandemic. I also contacted West Lake and advised i was not able to make the payment due to COVID.
|
| 03/08/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I purchased my XXXX when the engine and transmission went out, before the month at that point I already paid my differed payments of XXXX, I had to go in person so I could've gotten another car which is the XXXX I got now, they started another contract for the amount of {$21000.00} I didn't start paying til XXXX payment of {$240.00} every XXXX weeks, ever since west portfolio took over I haven't seen my payments going down... and I started to pay them on XX/XX/XXXX. What to do? And west portfolio charges an extra XXXX for debit payment and all I'm seeing is the {$240.00}
|
| 11/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
This company keeps calling me saying that they have not received my last two payments. I have talked to them many times and have emailed them copies of the cancelled checks with their stamp and bank account # on the back. I have never been late with a payment but this company takes forever to process a payment. It is the only company in the world that doesn't take on line bill payments. You can pay online with a check but it is through third party companies. I would be shocked if this wasn't a XXXX XXXX for XXXX XXXX, except that they don't seem smart enough.
See attached checks.
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am requesting that Westlake discontinue furnishing information for account WESTLAKE XXXX due to the account being over 7 years old. XXXX is also reporting the account as " unrated or bankruptcy '' which is further hurting my credit rating. This account was never a bankruptcy account and the Date last active as well as the close date was XXXX. I am requesting that this account be removed within 21 days due to FCRA violations and negligence. At this time, I will not be seeking litigation, but I will be moving forward with small claims court if this incorrect reporting is not updated.
|
| 06/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a negotiable instrument sent to the Westlake financial payment sept to pay off the loan of my car. I requested that we over pay that way any hidden taxes or fees are paid for. The XXXX XXXX department that handles the payments for Westlake Financial denied my negotiable instrument and kept the property without sending it back, they only sent me copies and not the original that was sent. I will attach what Ive sent including the tender instructions, negotiable instrument, and the affidavit I sent. I also attached XXXX of XXXX letters they sent in a week span stating my balance.
|
| 12/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Title loan company is not allowing me to pay off my loan not giving me a payoff stalling steering me into hardship raising my interest rates because I can't make my payment on time because of covid-19 devaluing my property by slamming my credit and raising my interest rates now my property is worth nothing sent me into hardship andharassment on the phone not ever giving me a monthly statement nor telling me they're doing inquiries on my credit absolutely everything is verbal this company is running extortion on me and extorting money by threatening me for repossession of my vehicle.
|
| 03/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX repossessed a truck from me after conducting a charged off on the vehicle loan account on XX/XX/XXXX and closed the account. It has been 7 years and the account dose not even shows on my credit report. Last night XXXX XX/XX/XXXX the truck was repossessed from Michigan and taken to Wisconsin. I call them and they want 4400 to return the truck but it has been a year past the statue of limitations on a contract loan in the state of michigan. The company will not even acknowledge this when i tell them and just ignores the statement.
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX in XXXX of XXXX at the total of {$7100.00} with a down payment of {$4000.00} and a monthly car note of {$250.00}.
However, today they told me my payoff amount is that of {$6700.00}!!!!! This should not be the case for a car I put down half leaving me with a total of {$3100.00} to pay.
The car didn't pass inspection and I had to come out of pocket with an additional {$2000.00} to pass Maryland inspection. XXXX sold me a Lemon!!!
I've been calling this company all morning to retrieve my account number and every time I call they send me to a survey line.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, XX/XX/XXXXWESTLAKE FINANC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year.
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
|
| 01/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have Westlake Financial reporting on my credit report incorrectly. The amount due and the date opened is incorrect. They must have the account mixed up with someone else. I have requested the original documentation from them and they will not provide it to me. They have stopped returning my calls when I ask for a supervisor or they will hang up on me. I tried to tell XXXX this so they can assist me, but they wont request the original documents either. They just respond saying account updated. Please advise how to get this account information either removed or updated correctly.
|
| 10/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.
|
| 07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
WESTLAKE FIN XXXX is being reported inaccurately on my report. I contacted westlake financial to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
|
| 08/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2012 an auto loan was taken out in my name with a company by the name of Westlake Financial in XXXX. I lived in XXXX at this time. Theres a balance of {$7500.00}. I have been disputing this fraudulent account for years now. Its now still reporting to my XXXX and giving me the hardest time. Not the mention by state law in XXXX debt collection credit reporting has a Statute of Limitation of 6 years. Now, Ive tried and tried and tried and this company still has not taken this off. Please remove this account as it is not mine and also violates my rights by law of ( SOL ).
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I bought a vehicle from XXXXXXXX XXXX XXXX and had a warranty purchased on it. Now, XXXXXXXX XXXX XXXX has closed and I am having to pay for the repairs since the vehicle they sold me is not in the best of shape. The cars coil packs have gone bad 2 times in the last 2 months and the repairs are around XXXX dollars each time on top of the amount I already pay for the loan and the insurance for the car. The car loan is transferred due to XXXX XXXX XXXX closing down and I have no one to honor this warranty since the company the loan was sold to has said they will not be doing so.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
On XX/XX/XXXX, I bought a car from XXXX XXXX. I financed it through WEST LAKE Financial.
I received a welcome call XX/XX/XXXX, saying im late. After paying my bill with my confirmation number. XXXX XXXX takes my while Im working. Both companies give me the run around while im carless and paid my bill.
On XX/XX/2022 XXXX XXXX car dealerships in XXXX has me refinance with XXXXXXXX XXXX XXXX to get my car back with a 17 % or i default my westlake loan.
Im still seeing westlake on my credit report and westlake financial told me they took it off. It is on my credit report still.
|
| 03/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a used vehicle and financed it through Westlake Financial Services. The loan amount and the interest rate do not calculate to the 40 % interest being applied to some payments. I've overpaid my monthly payments to the sum of {$2500.00} in 5 months and only {$1300.00} has gone to principal at 11 % APR. I called Westlake Financial and was put on hold then disconnected. I called again and was to " just consider what's not in the contract, there is a $ XXXX charge for interest. '' At this rate, with an XXXX APR, I will pay almost $ XXXX on a $ XXXX loan.
Please advise.
|
| 03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX XXXX from a car dealership and financed it with Westlake Financial in XX/XX/XXXX. The term is 48 months. I have a hard time understanding how I'm getting late payment on my report and my insurance company XXXX wrote this company a XXXX dollar check. However, I was responsible for XXXX. I had gap insurance but the company they dealt with only paid XXXX dollars. My complaint is : a company should not put inaccurate information on a person credit report. My term is 48 months and I'm not behind on my payments, I have several years to pay this loan.
|
| 05/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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.
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
U.S. Auto sales closes down and transferred their accounts to Westlake Portfolio Management and it has been a mess. They stopped paying the company that providing the extended warranty that I paid extra for as well as GAP and Westlake does not honor that. They also added time and extra money on to my loan despite having paid on time or extra money over the almost year that i had the vehicle. Westlake calls all day demanding money but can not provide with a contract nor details about the warranty, GAP, or why my loan amount has gone up drastically as if I hadn't made payments.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off my car loan on XX/XX/XXXX, but after 45 days, the account is still open in my credit reports as debt.
After five times contact with West Lkae Financial services during XXXX and XXXX, they refused to provide a clear answer as to why the account is still open despite receiving their money.
On XX/XX/XXXX and XX/XX/XXXX, they said they had reported to the credit agencies, but when I contacted the credit agency ( XXXX ), they said they had not been updated since XX/XX/XXXX.
Getting paid off and keeping my account open in my credit reports is unacceptable and wrong.
|
| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX XXXX would grant my ownership of my account once issued the proper documents to do so. I've sent multiple negotiable instrument to tender payment none have been honored. Companys director of compliance XXXX XXXX personal insists that I pay CASH for my car note. Even after informing him the I was indeed the HOLDER IN DUE COURSE. An that It is evidence of my having a title of ownership by my receiving statements at my principal residence. Not wanting to hear me out ended the call. I issued a notice to rescission or assent on all promises to perform on this obligation.
|
| 08/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XX/XX/2014 the was by westlake financial everything was fine till the truck started having problems I took it back to the dealership and they said they could help me fine out to be the truck was a lemon the truck I took it back and a tow truck put it back in front of my house I try everything the financial company didnt help me and they was the one that told me to used that car dealership in the first place I just let the loan company take the truck back and they sold it for way less than what it was worth in the car action now seams XXXX I still have that in my credit report
|
| 07/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to XXXX/Westlake Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing XXXX/Westlake Financial Services to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.
They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
|
| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/2021 I put a downpayment on a car with this company Westlake financial of {$2000.00} and also paid {$980.00} in additional charges for having it XXXX months, they're in violation of the truth in lending act as I paid cash and a downpayment on my vehicle they're also in violation of XXXX XXXX XXXX and XXXX XXXX XXXX I would also like to use my right to rescission and collect all remaining funds from the vehicle plus my down payment and my money for installments I would also ask to dispute this charge off of my credit report as it hurt my XXXX XXXX for the remaining time
|
| 02/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I had a total loss on my XXXX XXXXXXXX that I bought from the dealer. I had informed west lake of what was happening, my insurance did as well. The bank still decided to sell the car back to dealership and mark it as repo and unpaid bill instead of totalled and paid in full by the insurance company. This affects my credit score.They were made aware of the situation I've called Westlake, the dealership has called Westlake. They steadily say there is nothing they really can do. I want this reported as totalled, paid in full and have them remove the incorrect repo from report..
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have repeatedly informed XXXX, XXXX, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response.
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
|
| 02/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
We obtained a loan from XXXX XXXX XXXX for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.
|
| 09/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
US AUTO SALES FILED BANKRUPTCY AND CLOSED DOWN. My contract has been breached by US AUTO SALES. I recently in enrolled in the XXXX and was recently paying on the XXXX which US Auto sales was doubling billing consumers.
FTC XXXX XXXX XXXX XXXX and XXXX In the contract. The seller fail to live up to the contract ( breached the contract ) I value my credit and believes it would be unfair business practice for XXXX XXXX to harm my credit.
XXXX XXXX has harm my credit in every way, inaccurate information has been put on my credit as well.
16 C.F.R 433 Ga.Ad.Code 122-5.01.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In XXXX there was a car purchase in my name without the proper paper work they needed. The other person that was with me took them a fake check stub now he has the car. The dealership also know about this I have spoken with them the next day. They also states that they're going to remove my name. Yet they didn't. The dealership and the other party involved used that check stub and wilth all said I haven't worked in a year. The bank Westlakefinancial also have a fake check stub and they are aware yet didn't do anything about it. I gave been try to fix this since XX/XX/2021.
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX ( the report does not include information about the creditor ) and XXXX.
On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 01/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is the 2nd complaint I have had to file against Westlake. I had an auto loan with their office that went into default. This account was included in a Chapter XXXX bankruptcy, that was discharged in XX/XX/2016. Despite that, Westlake continues to report this account as an active collection account, and stating that I still have a liability with their company for $ XXXX+. This account should be updated to show as " resolved through bankruptcy '', and the amount owed should report a {$0.00} liability. What they continue to report is a violation of federal bankruptcy law.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Records with the company will reflect numerous conversations regarding extra deductions from my account, several calls requesting car be started due to incorrect disabling. These problems occurred over the course of calendar year 2022.I was directly and blatantly lied to by customer service as well regarding trading in vehicle and refinancing for lower rate. Sent to dealership in XXXX GA, and advised by staff that would never occur. Finance manager at location further advised customer service for US Auto Sales was incorrect. Account sold to westlake, no information given.
|
| 01/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a charge off for an auto loan from XXXX. The loan was paid off with title in hand. I however can not purchase a car or mortgage for this matter. I was late toward the end of my loan in which I kept in contact with the Lenders Westlake Financial Services. I didnt know that I incurred this status on my credit report until now 2022. I have not received any calls prior stating such thing. My car was never repoed. Im asking to please remove this from credit. The credit beareau is stating to reach out to Westlake and to only get the same from the other party. Please help
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the XXXX credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I just turn XXXX years old last year and finally got a chance to try and go to a local bank in my city to start credit but couldn't because I found out that I had a loan with a bank name Westlake financial that I never knew about. I couldnt even purchased a vehicle at the time they report that it was open. I wasn't even old enough to even purchase a vehicle or even sign paperwork in which I dont know nothing about. I have reported this twice and spoke with someone there and they still want remove this off my credit report. I think this should be remove right away please.
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
After executing the Contract Agreement ( XXXXXXXX XXXX ), I found that Ohio Revised Code limits APR on such loans. My agreement was for 96.85 % APR ( which felonious usury per ORC XXXX ), and requested that the company comply with the maximum interest rate allowable in Ohio per ORC 1321.13, and apply such excess usury interest payments applied to my principal per ORC 1343.04. Westlake Financial, dba Wilshire Consumer Credit, has refused to comply with any request for compliance with the ORC and I am now requesting that the Agreement be Null and Void ( per ORC 1312.02 ).
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I have been contacting this company since XXXX of 2023 for a payoff letter.in addition to the original.contract/ lease agreement. I have been hung up on and transferred from one department to another. This was not my original leasing company so my fear is that they do not have this information and refuse to just say that. I was making payments for several.months thinking I was purchasing this vehicle as agreed upon with my original leasing company only.to be told that this agreement no longer is being honored with westlake portfolio managers ( the new leasing company ).
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle with US Auto Sales in XX/XX/2022. I received a letter from a company called Westlake Portfolio Management stating that I were to start paying them for the auto loan. Later I noticed that Westlake was placed on my credit making my score drop by about 60 points. The amount that was reported to the credit bureau is the same amount of the original loan with US Auto Sales. I was advised by Westlake that they didn't honor the extended warranty purchased with US Auto Sales. My car was repossessed on XXXX by Westlake who is not a lien holder on my vehicle.
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Over the past 36 months I've requested the update and or removal of the inaccurate information of the account with Westlake Financial in California. I have a certified letter from them stating that my account has been paid in full. When I dispute the inaccurate information showing charge off on my credit file with XXXX, XXXX and XXXX there has not been any change. My concern is that my interest rate and the ability to buy a new car has been impacted due to this company 's inaccurate reporting on my personal and private credit profile with all three major credit bureaus.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The person, XXXX, XXXX XXXX XXXX, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name Westlake Portfolio Management a debt collector Westlake Portfolio Management has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
|
| 05/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
Purchased a vehicle from US Auto Sales on XX/XX/XXXX for {$22000.00}. I found out XX/XX/XXXX that I could not pay my bill online like I normally do. Once I tried to call US Auto Sales, it stated that the loan was transferred to collections under XXXX XXXX XXXX. I started to XXXX and search social media and that's how I found out that US Auto Sales closed down and many accounts were transferred to collections. Not sure what is going on with things like titles and gap insurance but I'm hesitant on making the next move without some answers. My vehicle is almost paid off.
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
i purchased a XXXX XXXX XXXX from USA Auto sales in XX/XX/XXXX i received a letter from west lake portfolio in XX/XX/XXXX saying that i need to contact them about my vehicle an the loan amount was over {$10000.00} an to start paying them on XX/XX/XXXX i asked them how an why is the loan on my car that much they couldnt give a reasonable answer I asked about my contract i signed with usa auto I stated that it cant be that much i been paying my car since XXXX they stated that i have to pay them with in 30 days every two weeks XXXX just like i was paying usa auto sales.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
WESTLAKE PORTFOLIO MANAGEMENT is making false reports on my consumer report making false payments reports thats causing hardships due to a delinquent account they claim I owe. I have receive letters thru UNITED STATE POSTAL SERVICE being mail to my place I abide at. These letters state they will take property that belongs to the consumer of the account. I have no legal bind with WESTLAKE PORTFOLIO MANAGEMENT. I ask for validation to verify they fail to respond within 30 days. Account isnt mines.
Many laws was broken under the Fair Credit Reporting Act 15 U.S.C 1681
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| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX I bought a XXXX XXXX XXXX from US Auto in XXXX, Georgia. Early in XXXX of XXXX, the transmission went malfunctioned completely to where the car was and still is undriveable. I tried to contact US Auto to get the car fixed with the warranty, only to find out the dealership went out of business and later sold my loan. I can not reach anyone from US Auto and the new debt collectors will not honor my warranty. This has greatly affected my life as my main job was food delivery. Without a vehicle, my income has been cut tremendously and I have no idea what to do.
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| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated servals of my right.
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consents or instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for any purpose.
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| 09/27/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Contacted company via Certified mail on XXXX to ask for validation of debt trying to be collected by this company.
15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XXXX and letter dated XXXX '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across three bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT.
15 USC 1681 602A states I have the right to privacy.
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
Servicemember |
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The company is US Auto wrongfully repossessed my vehicle and then went out of business when I found out who then or was suppose to have the loan says they could not find me in there system. Weeks after of trying to figure out what was going on I then started to receive emails from a company that says they assumed the loan but I no longer had the vehicle & I was never behind and I was not notified that I was in a position to be repossessed. Prior to that the engine blew after only having the car for 10 months I had to pay out of pocket for everything to be repaired.
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| 04/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/2020 I called Westlake Financial to request a Loan Extension, Forbearance, or Deferment due to financial hardship from COVID-19. I was informed by the company that based on my specific account I do not qualify. I was not given any reasons why even though I have never missed a payment of {$200.00} since the inception of the loan.
I have spoken to 3 customer service persons at the company and was told that when I get my stimulus check I should pay them. I have since filed a complaint with the XXXX XXXX XXXX, as well as sent an email to the CEO, XXXX XXXX.
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| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In accordance with the FCRA, Westlake Financial account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 Sec. 602A. states that I have a right to privacy ; 604.A.sec.2 also states that a consumer reporting agency can not furnish information on an account without my written instructions ; 15 USC 1681 5-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX, balance is XXXX. this debt was settled XXXX XXXXXXXX XXXX. this account is fradulent.
us bank inquiry was not authorized by me.
XXXX inquiry was not authorized by me.
XXXX XXXX inquiry was not authorized by me.
XXXX XXXX inquiry was not authorized by me.
XXXX XXXX inquiry was not authorized by me.
XXXX XXXX inquiry was not authorized by me.
Westlake financial debt has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me.
XXXX XXXX XXXX inquiry was not authorized by me.
XXXX XXXX inquiry was not authorized by me.
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| 02/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial.
The interest rate is almost 25 %.
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| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I have an account with westlake financial services.it is an auto loan account and during corona virus, my account was reported as late in XXXX and XXXX. I was told to stop working at my job because covid happened and i have my letter to that effect. Before covid i had never missed a payment and i havent missed any payment since i resumed back in XXXX.
I have tried to reach out to westlake financial several times but the agents put me on a hold for hours and cut the calls off without a call back.
I just want the late payment report removed for XXXX and XXXX.
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| 08/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I disputed an inquiry that was falsely made by WestLake Financial Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After more than 30 days passing from the time the letter was received, this company did not respond to my letter. I did not authorize anyone employed by Westlake Financial Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
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| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
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I was approved and financed a lemon vehicle with XXXX XXXX XXXX and Westlake Finanical. On XX/XX/23 I purchased the vehicle and shortly after leaving the lot the check engine light appeared. Once I finally got it home oil had leaked on to my driveway. i made several attempt to reach out to my salesperson and the manager with no success. I made a visit today to cancel the purchase and get my deposit and they told me neither option was avalable. They promised to fix the vehicle but I would rather get my refund and return the car and be released from the contract
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| 05/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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I have paid them over XXXX for my title loan that was XXXX and they kept charging me hundreds of dollars for a repo expense that I had to pay to get my car back after a few missed payments. Theyve kept charging even after I paid it up up to over {$700.00}. Theyve only ever let me pay off {$200.00} of principal. Title loans are illegal in Ohio & yet they still have them here. My apr is 77 % and that is also illegal. They have only been taking my money for interest and made up fees. Our area is very poor and I cant imagine how many lives are ruined by this scam.
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| 06/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst
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| 03/22/2022 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.
|
| 05/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
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| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 02/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
|
|
Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior.
After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a car from US auto sales in XX/XX/XXXX. I was paying extra for an extended warranty and gap insurance but when my car was totaled in XX/XX/XXXX, they stated they can not find my contract and my coverages were voided. US auto sales eventually closed down because they were not paying the warranty contract to the companies they were through. Now I am stuck still owing a car that its totaled and can not get another car because it is showing on my credit report. Meanwhile they have sold my contact and I am still required to pay for a voided warranty
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| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I can only give an estimate of the year I bought a lemon and accepted a loan from fraudulent Westlake Financial in California! It was opened around XXXX of XXXX and I was unable to pay the loan back because of having to put my money to fix the lemon that was sold by a used car lot in XXXX, WA. The loan was later written off and canceled by the triple credit reporting agencies 7yrs after XX/XX/2012 and XXXX XXXX this day keeps re-opening the loan as if they had permission to and keeps reporting it as delinquent! Something needs to be done with this company!
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
|
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I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
My car was illegally repossessed by this company. I never received in documentation that I was in danger of car being removed. Once it was removed, company failed to send me and proof of accounting and documentation on how I could pay and get my car. I called and sent letters to get info for car ... NO RESPONSE. I have contacted a lawyer and was informed there was supposed to be documentation sent to me in accordance with repo. I only received a settlement later months after the car was taken. I have also referred this to a FDCPA attorney to file a motion.
|
| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
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|
Web |
|
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US auto sales filed bankruptcy and sold my contract to a debt collector, XXXX XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX I was told they took over. I asked for them to send me a copy of my contract which they could not provide. My vehicle had already been repossessed. I havent been told where my personal belongings are either. I was given one option. That was to pay {$8000.00} in order to receive my title. I was also told that I still owed XXXX on a XXXX XXXX XXXX that was bought in XXXX. The car was {$22000.00}! .. about XXXX XXXXXXXX monthly.
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.
|
| 03/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
|
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I am financing this vehicle with West Lake Financial. I purchased the car in XXXX and monthly payments are {$480.00} a month for 48 months I have paid sometimes more totaling {$23000.00} and attempting to trade vehicle and payoff balance {$14000.00}. XXXX XXXX XXXX for {$37000.00}. Unpractical how could this be?
I feel as if I am being robbed. Doesn't make any sense. Now I am stuck with a car having to pay {$14000.00}. The car was financed for 5 years this is my fifth year still owing {$14000.00}. Car purchased XX/XX/XXXX. Does not add up. Please help.
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I purchased a vehicle through US Auto Sales in XXXX, I made payments and in XXXX or XXXX of XXXX was notified that the loans were turned over to Westlake Portfolio which is a collection agency, I was makeing my payments as schedule and on time. Im not having an issues due to not knowing if my car will be reposseded or if Ill get my title once Ive finished paying and need some assistance. I aslo asked for my information on my extended warranties and gap and received nothing. Im a customer that is confused on all that is going on and in the mix of it all.
|
| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
I have had constant email communications with this company. Out of frustration I called and agreed to auto payments. After that I would just shred bills because of auto pay. Never received a phone message and never received an email to let me know that I was still in default.
Yesterday I received a letter stating that I was in default with little to explain the charges. I then sent several emails asking for clarification.
Is it legal to charge {$42.00} for an outstanding balance of {$5.00} without disclosing this to me during my agreement to auto pay?
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was coming back from my first duty station in XXXX and I was looking forward to buy a truck. Long Story short I got a load with SNAAC and I didn't know the XXXX have a Law called the SCRA which protect military from paying to high of an interest rate. I already paid my car off but I wanted to know if i could get some of the money back to me. My APR was 28 percent. Being young and dumb I didn't know that was high. My brother and wife told me about this a few days ago. I have been in the XXXX now for eight years and I just paid that truck off last year.
|
| 12/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX.
This interest only loan is deceptive and used to charge customers triple the value of a vehicle.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I have called the multiple of times and they keep denying me. I have also asked to speak to the managers to resolve the issue. This happened XXXX months ago I don't know the exact date. I have been trying to work out a payment plan with the company. The new company is west lake portfolio. They are telling me. I still owe them the amount of money that I started with when I first bought the car. I have been paying on the car for almost XXXX years and I still owe XXXX XXXX dollars on the car. The car is now worth XXXX XXXX XXXX XXXX and XXXX XXXX dollars.
|
| 08/15/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Yes I purchased a vehicle with U S Auto Sales back 2022 and in XXXX they sold or Westlake Portfolio took over the car loan. Now my balance is almost like I never paid it, and I see that they are not honoring the warranties including the XXXX insurance. No fees have not been reduced and their is a {$5.00} charge for every payment along with a late fee. I have already paid about {$1000.00} not knowing that they are just a debt collector for U S Auto Sales. Now all they do is call all day until after XXXX and send multiple emails for payment reminders.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
To whom it may concern, I had an account car loan with Westlake financial. I paid off the vehicle in full and made my last payment but apparently there were fees attached that I was unaware of. Years went by without them contacting me. When I tried to sell the vehicle, I was informed that there was a lien on the title. I paid the fees but now its showing that I have a repo on my credit report which is not true at all. I am having a hard time purchasing a vehicle because of this false negativity on my credit report, and I need it removed. Please help.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a vehicle from U.S Auto Sales XXXX XXXX XXXX XXXX XXXX XXXX. I paid {$1300.00} down and since XX/XX/2023 paid {$2100.00} of payments towards the vehicle. I received a letter that the company was closing in XXXX, XXXX XXXX XXXX I received a letter from Westlake Portfolio Management , LLC about taking over the loan for {$22000.00}, the starting cost before I paid the down payment and any payments towards the vehicle, so basically what I paid in I loss, and that's not fair to me, because I'm not the reason the company went out of business.
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I got a truck from US Auto had a warranty on it truck was making loud noise took it back to us auto, told me to call my warranty number said no warranty with them that us auto doesnt have a warranty with them and warranty is false to truck to them said they fix it. Called to see when truck be ready they gave me a date call XXXX they was close down then a month later west lake calling about payment but I dont have my truck and telling me payment still need to be made. No one told me they closed down. How do I owe and my truck wasnt fix or given back
|
| 01/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I HAVE TRIED TO TALK WITH THE COMPANY TWICE BECAUSE THIS ACCOUNT IS FRAUD. BUT THEY GAVE ME NO INFORMATION ABOUT THIS ACCOUNT BUT THEY CONTINUE TO REPORT IT ON MY CREDIT REPORT. I'M NOT SURE WHAT TYPE OF ACCOUNT THIS IS. THEY TOLD ME TO FILE A POLICE REPORT SO I DID ON XX/XX/2021. THIS ACCOUNT STILL REMAINS ON MY REPORT AND IS SHOWING SOMEONE HAS BEEN MAKING PAYMENTS BUT THIS IS NOT ME. I ALSO HAVE TWO OTHER ACCOUNTS THAT IS SHOWING ON MY CREDIT REPORTS THAT I KNOW NOTHING ABOUT. PLEASE HELP BECAUSE I AM NOT GETTING ANY WHERE.
THANK YOU SO MUCH..
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XXXX Westlake Financial did a credit hard inquiry without my consent. Per TILA I must be aware of what the contract loan is. I never spoke to nor authorized Westlake or any third party to give consent for them to violate my privacy. My credit file had a fraud alert on it and clearly states I must be contacted before credit is ran. I never spoke to Westlake verbally or gave a written consent. Westlake sent me a letter of apology which states their inquiry was no effect on my credit report which is untrue. They did a hard pull not a soft inquiry.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have financed a car through US auto loan in 2021 and am still paying for it. Around XXXX the company closed down and my files/ loan went to westlake portfolio management. Around XXXX is when I noticed my payment history for my car was no longer available in XXXX XXXX, XXXX, or any website or app that allows me to look at my credit score and its history. It dropped my credit score nearly XXXX points!!! And yes, I am still paying my car, as my loan is 5 years long. Please help!
PS, no credit cards or loans were opened around this time or prior.
|
| 08/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Have a car financed through westlake financial that become due on XXXX XXXX from that date I received seven phone calls from then to XXXX none of which left a voicemail any time. Never been late on a payment in almost XXXX years and when I asked why I got 7 phone calls that were only few hours apart the person I spoke to claimed there was no way got called that many times basically calling me a liar. Not sure if there is no communication within this company but XXXX phone call a day is plenty specially if dont leave message to why you are calling
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| 01/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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2018 I became really sick I contacted company Westlake Financial about options that I had .The car was reposed after I was told they were working on my file, I redeemed my reposion which westlake had taken the car out of my name I called them to advise them that the state of XXXX DMV stated that the vehicle wasnt in my name and I could receive a tag or registration.I contacted westlake and all I got was the run around so I continue to pay and its been a whole year still nothing fixed so now Im like Im not paying until you guys resolve this issue
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| 09/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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|
Web |
Older American |
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I expected to pay off the loan in 36 payments ; the payments are {$230.00}.
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}.
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}!
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap.
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?
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| 06/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
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Web |
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At first, when I paid the monthly payment, I thought that the whole money I am paying for would go to the Car, it turns out that I owe less money for the Car even though they put my statement as I owe them more. Instead that they lower the amount for the car, they steal it! They use just a little part from Interest but use most from both Interest AND PRINCIPAL FOR THEMSELVES! It is supposed to be less than {$7500.00} but they are stating it still as {$10000.00}. I have been paying my payment on time, so they have never been taking any Late fees.
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| 01/27/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.
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| 09/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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US Auto Sales sold my loan to a debt collector, my account was current and in good standing. I also paid for gap through this company and never received and money back when the company dissolved. Westlake financial the added refinance fees and false loan remaining balance information. I have no sign agreement or contract with Westlake and was not even made aware the company was closed and my loan was sold until 3 months after the dissolution of USAuto so they took payments knowing they were no longer in business and did not apply said payments.
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| 04/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
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Web |
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Account was paid off in full on XX/XX/XXXX. Car was picked up at the auction by owner. After speaking with the agent who was handling my account, I was informed that my title would be returned by mail to my address on file within 30-45 days. Today is XX/XX/XXXX, I have not received my title. When I contacted the company, agents refused to give me information as to when I would receive my title, when I asked for managers I got transferred to voicemail inboxes. I paid off the balance that is owed and yet I still dont have my title returned to me.
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| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX. The vehicle turned out to be a lemon. It completely shut down on me after only a month and a half of use. The vehicle was returned to XXXX XXXX XXXX XXXX XXXX lot, where it was repossessed and sold in auction. The loan is now on my credit report and is having a negative affect on my score. It is my belief that under NYS Lemon Law i should not be liable for this loan especially since the company repossessed and resold the vehicle.
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| 02/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020.
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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
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| 05/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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I have tried several of time to work with Westlake financial a my car loan. I have a car loan with a interest rate of 23 %. I have even tried to pay my principal balance down to help pay my car note off and they will not work with me. I have also tried to refinance this car with serval other lenders and they will not refinance because it is a XXXX XXXX XXXX. Due to the year of the car and mileage i am unable to refinance. I have paid XXXX on the car and the car payment has went back up in the last year. Westlake is ripping me off tremendously.
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| 05/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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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.
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| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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I am supposed to be done paying for my car. I leased to own through American Car Center. They went out of business. I was done with my lease with them before they went out of business. After paying {$25000.00} for a XXXX, they decide to charge me almost {$5000.00} foe something called residual fees for my title. So I was paying XXXX every XXXX weeks and had gotten it down to a little over XXXX before they went out of business and transferred me to Westlake Portfolio Management. They have overcharged me when my car is supposed to be payed off.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
7/30/2023 XXXX Fraudulent inquiry
7/19/2023 XXXX XXXX XXXX XXXX XXXX Fraudulent inquiry
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry
7/19/2023 XXXX XXXX Fraudulent inquiry
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry
7/19/2023 XXXX XXXX Fraudulent inquiry
7/19/23 XXXX XXXX Fraudulent inquiry
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry
1/10/2022 XXXX XXXX Fraudulent inquiry.
7/19/2023 XXXX XXXX XXXX Fraudulent inquiry
7/19/23 XXXX XXXX XXXX Fraudulent inquiry
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| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I went to apply for me an apartment and they told me I wasnt approved because they said I had a close account worth XXXX in dept which seemed odd because Ive never applied for a car before I always had the same car since my XXXX birthday since the lady told me this info Ive started to see mail come to my house that say debt collectors etc. Im not sure how someone would be even able to get a car in someones name with out them being there these car allots just want money they dont care if people have the right information or LEGAL information.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
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| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/2021 Westlake Portfolio Management reported an incorrect balance to all XXXX credit bureaus causing my credit score to drop. I spoke to a representative and they did nothing to fix this over the phone. I emailed the email provided and still have not received a response of their mistake. Westlake reported a balance of XXXX when my actual balance is XXXX. I lost credit points since they reported a {$190.00} increase which is false. This is the third time that Westlake had messed up my credit report and reported inaccurate information.
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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Car loan was charged off six years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to XXXX that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX.
For six years they have reported this charge off as 30 days late every month for 6 consecutive years. I have contacted them on several occasions and disputed it multiple times with XXXX.
|
| 04/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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U.S Auto Finance Inc. Sold my loan to Westlake Portfolio Management ( wpm ) without any notice in XX/XX/XXXX. I called to make my XX/XX/XXXX payment on my XXXX XXXX XXXX spoke to Usa Auto Finance CompanXXXX paid my XX/XX/XXXX payment of XXXX .Westlake portfolio is a Dept Collector. WPM is stating to me that I have a past due notice of {$740.00} I have made my payments. US Auto finance Inc has shut my car off several times before this if I was 1 day past due. Why would my car be sent to a debt collector when my loan was in good standings.
|
| 08/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX XXXX no on from the company never contact me or anything this year 2023 ever since then this vehicle give me problem and this company want bankrupt and I lose over {$4000.00} now westlake management involved now. Im so frustrated and fed up for this nonsense. They can repaired vehicle just refund all of my money. I refuse to make another payment for what and why the car in the shop. The vehicle is out of service and not drive able. What is next step to therefore I or we can move forward
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off my vehcie on XXXX XX/XX/2020 ( as verifed on my online account information ). I never heard back or received my title. I called to inquire and was told that it was " released to a third party '' on XXXX XXXX As of XXXX XXXX, I have yet to recieve my title. I have called several times and each time I am : put on hold for over an hour, hung up on, shuffled around between departments, lied to, and was treated very rudely. I paid of my vehicle in good faith and now I have no recourse to get the title to which I am legaly entitled.
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
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.
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/2020 my westlake financial loan company keeps calling me making threats cause my monthly payments are late and behind do to not being able to work during the pandemic period and I keep begging them to lower my payments or lower the final payoff. I have always made previous payments on time and in full, also made over payments when I was able to. Now I get calls being bullied by customer service to the point where I breakdown and cry. I'm out of work and i just want to not keep having late charges and paying more than what is owed.
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Westlake XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from American Car Center ( American Financial ) When I found out American Car Center was closing I returned vehicle to dealer the vehicle was leased from. American Car Center took possession of vehicle. Westlake XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder
|
| 12/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Westlake Portfolio Management has called me at least 3 times a day, 7 days a week. This is disruptive to my day-to-day. My phone is constantly ringing and its harassment at this point. The times I have picked up the calls, I have been hung up on which is a complete waste of my time. When I do connected to a caller, they are very disrespectful- talking over me, telling me not to tell them how to do their job when I state my rights to not be harassed. The caller has admitted to using robocalls as well when I said that I get hung up on.
|
| 03/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/2020 and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed.
This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
|
| 05/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/17, XXXX XXXX XXXX ( us ) paid XXXX XXXX XXXX the amount of {$3200.00} ( check # XXXX ) to payoff loan for XXXX XXXX XXXX XXXX. As of this date, we have NOT received the title. I run a XXXX and XXXX still shows as lien holder of the vehicle. We have tried several times to contact XXXX and request the release of the title and they keep telling us that the title was released. When we ask to speak to someone in the title department, they say we can't talk to anyone from that department, that we need to leave a message for them.
|
| 08/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This company claim to have bought the debt from another auto company. The are refusing to provide validation letters. I have requested over 5 times and sent a certified letter. They continue to call and request payment and every call i request for validation. They have now posted to the credit bureaus with no proof of owed debt. The information as date and amount due is incorrect. The debt was also apart of a bankruptcy. This company is a debt collector and are posted on my credit as a open auto loan they are not a financial agency.
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I received an adverse action notice in my email from westlakedirect.com that I had been denied for a loan. I never applied for a loan with this company. I have tried calling this company several times. I was told to call XXXX but no matter what option I choose, I get a message immediately that no one is there to answer. I have had to freeze my credit with the credit bureaus. There was a file attached called an adverse action notice telling me that I had to use the last 4 digits of my SSN as the password. I did not open the document.
|
| 01/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX XXXX I refinanced my vehicle through Westlake Financial. In the State of Ohio a company has 30 days to file a lien on a vehicle. After refinancing my vehicle I did not receive a memorandum of title. Eventually the title came after being file XX/XX/2022. The memorandum of title also came directly from WESTLAKE normally it would come from the State of Ohio. Why was the lien file 4months after the paperwork was signed also why does it look different from the original memorandum of title? Please see the attached documents
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Westlake Portfolio Mgm Westlake Portfolio Mgm ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
|
| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have a car loan with Westlake financial bank and they take the car last year and they give me offer to pay {$950.00} and close the account I didnt have the amount in XXXX they call me and I take with customers service and I give them offer to pay {$400.00} and then next month {$200.00} and close the account they say yes I pay the {$400.00} and when I called this month to be the {$200.00} they tel me we cont make the deal I told them you Broke the deal that we made and thats illegal I want my money back and they refuse do anything
|
| 05/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
on XX/XX/XXXX I when to purchase a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they told me i need a down payment for the car.. Which was {$9600.00} and the car cost {$17000.00}. Now the total cost of the car is {$8200.00} with out the sales tax.. as we come to the agreement, 2 months later I see and on my credit report that I own an outstanding balance {$15000.00} which was not correct. I call the bank ( Westlake Financial ) which give me the loan. I ask for the original copy which was different from my copy..
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Several different companies have made inaccurate credit inquires upon my behalf ; There not recognizable by me at all. I know for a fact I did not complete them and would like them removed immediately. The inquires are as followsXXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX ON XX/XX/2022, AND LASTLY XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022.
|
| 08/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I’m having problem with XXXXXXXX XXXX in XXXX.And the frauds Bank Westlake Fin.Both auto dealer and this bank has been sued from many clients,I have purchased a Car in XX/XX/XXXXI returned it XX/XX/XXXX.i never recived any papers from the bank statement of how much was sold for,I never recived any court papers,Westlake Fin.Bank has put Collection on my credit for XXXXXXXX XXXX sales has put XXXX in collection.The car was bought for XXXXI have tried to disputed many times.XXXX has been on them for few years.please help.thank you
|
| 07/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back My account is overdraft and its because I can not afford to do anything at this time .I am asking the company to forgive me and clear the debt please.
|
| 01/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
WestLake Financial is in violation of the contract because it is charging the monthly payments for my car note on the XXXX of every month instead of the monthly signed contract which the monthly payment is due on the XXXX of each month in our contract. By contract the first payment is due on the XXXX of each month and the last payment is due on the XXXX of each month. WestLake Financial has been violating our contract agreement for several years. Please contact WestLake Financial so this problem can be resolved. ( Acct # XXXX )
|
| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I had a loan through American Finance. They went out of business. I received no information from them in regards to them going out of business or filing bankruptcy. I was contacted by Westlake Portfolio. I requested to have information sent to me in regards to them handling my account. They only sent me a payment portal. I have ask this several times. I have also ask if they were going to hornr the terms ofthe loan in which I purchased the vehicle. They told me no and only wants money. I want to know what are my legal options?
|
| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company indicated that it pulled my credit report indirectly. This company is NOT being complaint with the FCRA, they will not remove the inquire after dispute. This is a violation as they did not have my written permission to pull my credit report.
|
| 04/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
There is no way to contact XXXX XXXX owner by the name of XXXX XXXX XXXX XXXXXXXX miles when I purchased it it had a faulty transmission was not in the description and I soon suffered after again there is no contact I have paid XXXX down payment {$10000.00} this and it turns out that it is on my credit now I need it removed! No contact!
-Also he had to pay to get my tags I could not get my tag because coronavirus hit the same week I purchased a vehicle again indicating to meet a governmental plot again : XXXX XXXX XXXX XXXX
|
| 06/28/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The company XXXX XXXX XXXX. ( XXXX ) has been incorrectly posting my payments. They have no ideal on how principal, and interest payments work on auto loans. Also, they have no ideal how the daily per deim works on auto loans. XXXX XXXX XXXX. are missing applying my payments, and are consistently reporting incorrect payoff amounts for my vehicle. Every time I make payment ... XXXX XXXX XXXX. calculates obscured amounts on how the payment is applied on the loan. Even with the late charges, etc. Please, assist ASAP. Thank you!
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My vehicle was totalled out by XXXX XXXX and the amount owed was at the original amount of the loan when I took it out with US Auto Sales. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.
|
| 10/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
Older American |
|
My car was repo on Thursday from my job I had not received notice that US Auto had sold my info to Westlake Portfolio no one has sent me a letter or even call me. But still u can come on my job and take a car on Private property and not contact the owner about working out a discussion to clear this mess. Right now either I do a XXXX XXXX or try to sue or buy another one. How hard is it to call or drop a letter I have not heard from a soul what can.I do. Please give so kind of insight here XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
purchased a product from a company. then supposedly second company bought the first. i missed two payments then the monies were taken from a different bank account that was not connected to billing without my permission. i noticed the withdrawal then contacted the company and was told my account was charged off for non payment. whereas a payment was taken from my separate bank account not even a month prior to that conversation. also this company keeps calling everyday harassing even though i repeatedly told them to stop.
|
| 02/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I was in an accident that totaled out my XXXX XXXX XXXX in XXXX, I had purchased GAP insurance with the vehicle and it paid the remainder of the loan. Westlakefinancial then released the lean on the title and sent it to my GAP insurance company signifying the remainder of the loan had been paid. Unknowingly Westlake financial hadnt include my last payment due, in with the remainder balance, to be paid by GAP. Its been impacting my credit in a bad way for years now and they will not work with me to help resolve the issues.
|
| 09/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Westlake Financial Services is subprime auto lender which illegally harrasses customers. The minute your payment is late they repeatedly robocall from hundreds of different phone numbers. Couple months ago they called my cousin also my boss and credit reference and discussed my late payment without my permission. I expected bad service with my credit situation but this is beyond acceptable behavior. CFPB fhas already filled consent order for these practices but they continue to violate every right afforded by your agency.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an old credit card that has been closed but i notice that they have a late pay on my report. I have asked them for the information to show me when i was late ( 1 late pay on one account and 2 on the other accounts ). I have not received the information i requested and i was on auto pay at the time so i'm wondering how i could be late. the accounts are since closed but i have always had good experiences with the company other then these lates. I would appreciate it if you could help me to get these removed, Thanks.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX XXXX XXXX XXXX XXXX limited edition. I got financed with Westlake financial Service they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX for years. I Mailed Many Many Certified to Westlake Financial, with No Response! No Luck getting the Negative Derogatory Mark, impacting my XXXX XXXX XXXX. Please Help! Thank You.
|
| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I got my car back in XXXX 2021. My car was financed with USAUTO SALE for XXXX. I have had my car for 3years. I pay XXXX every two weeks. Which total XXXX. I finally got a hold to someone who works for WESTLAKE PORTFOLIO. I asked them how much was my remaining balance. I was told my remaining balance on this vehicle was XXXX. I asked them how when my car was only financed for XXXX. Not possible!!! I have all my paperwork and bank statements showing when I purchased this car and payments that where drafted... PLEASE HELP.
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
For many years XXXX years now someone has been impersonating my self and life. My phone number, bank accounts, social, birthday, addresses, and voice records have been compromised. I have faught with westlake financial for years showing proof of files police records and notarized letters and proof of identity theft documents proving it wasnt me that opened this account. And they keep denying it. Its holding me up from purchasing properties, and even getting a car loan I need this handled and removed immediately pls help
|
| 05/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Due to covid-19 I became homeless. My income was reduced from {$1000.00}. to $ XXXX.per month. I contacted XXXX several times requesting an Hardship due to my loss of income and residence. Each time I was refused and denied. I am in litigation against XXXX for preadotory title loan. My attorney is XXXX XXXX.
My friends are harassed regularly if I used their address for any mail at any time. I receive phone calls daily. And letters once a month. They do not have on my account the {$1200.00} that I've already given them.
|
| 03/31/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal
|
| 08/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a car loan with Westlake Financial and the car was totaled. My insurance company sent Westlake a check and then Westlake was supposed to cover the remainder of the loan with GAP insurance. Well they are now harassing me with calls almost every hour and all times of the day and night. They are now calling from multiple different phone numbers. It is XXXX on a Saturday night and they just called again! They have yet to submit an explanation of the claim and still want me to pay a full balance on a totaled car loan.
|
| 07/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Westlake portfolio management has taken over my lease with American car center in XXXX of this year, Im finished paying my car off XX/XX/XXXX. They said I owe thousands of dollars but wont send me proof of the debt they say I owe and claim they wont finance the balance because they are not licensed in the state of Alabama so are threatening to take my vehicle. Several times I have tried to contact them to work something out but Im constantly getting hung up on or transferred to different departments that cant help me.
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
For the Month of XXXX and XXXX The amounts each month are {$560.00} Both are paid
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was contacted regarding a charged-off car loan by a Westlake Financial representative XXXX XX/XX/XXXX, and let them know that I never opened up this account, I never lived in Texas, and I am not responsible for this loan/debt. They would not work with me and did nothing to solve the problem, but this account is shown as charged off on my credit report, even though I had just heard about this account on the day they called ( XX/XX/2023 ). I want this off my report as it's impacting my report heavily and negatively.
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX, I called Westlake and got a deferral for my payment. Before then I had 100 % payment history. I then paid XXXX, XXXX, and XXXX like normal, but they all show as missed payments on my credit report. I spoke with a lady who said the deferral in XXXX got entered wrong and it was totally their fault. She even said she would submit a dispute to the credit company. However nothing has been done after months of calls back and forth. They harass me multiple times a day, every day, for missed payments I do not have.
|
| 08/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to Westlake Portfolio Management via US mail on XX/XX/2023 requesting a debt validation for a debt resulting in a car loan. Westlake reached out to me numerous times regarding the alleged debt requesting payment even after the receiving the requested information. I was contacted via phone, email and US mail stating that if a payment was not received then they would be forced to take further action. It is now XXXX XXXX and I have not received the debt validation but they are now reporting on my credit.
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Since XXXX, been trying to get the title to the tag office. Leased the car from American Car Center and company went bankrupt. Westlake Financial took over payments with no title. Car has never been registered bc of the title. Westlake won't give answers and won't come get the car. Westlake cut the car off and locked it, but we ca n't drive the car. Payments have been made on the car, but no communication on how to satisfy the situation has fallen on death ears to include our local tag office and the state office.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/2023 they picked my car up from my residence. I had to pay {$1200.00} to get my car back and when I spoke with someone they inform me that my car was paid for but I still had to pay {$3500.00} to get the title and if I didnt pay the amount they could pick my up vehicle up at anytime. On XXXX XXXX they pick my vehicle up again. I had to pay {$610.00} on XXXX XXXX to get my vehicle back out or preposition. Westlake, finance in. Email is XXXX the number is XXXX my account number with Westlake finance is XXXX
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, I have a plethora of unauthorized hard and soft inquiries reporting on my credit profile, a few are from one company and others are from some I wasn't even aware existed. The amount of inquires leads me to believe my credit may still need fraud protection which should be in place on two of the three bureaus.
|
| 02/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Company went bankrupt transferred loan to a debt collector. I paid {$3600.00} for an extended warranty which wasnt paid to the provider. Debt collector isnt removing the amount that was added for voided warranty. Having an item showing as collections will hurt credit report even tho payments have never been late on vehicle. This company hurt a lot of customers. Customers have to worry about vehicles being repossessed even with payments being current. Numerous vehicles have been repossessed with customers current.
|
| 09/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Westlake Financial is reporting this account as a repossession and a late payment on XX/XX/XXXX to all 3 credit bureaus ... .This is inaccurate. there was never a late payment on this vehicle and it was never repossessed. I have disputed this with all 3 credit bureaus as well as with westlake.
There are multiple violations in the reporting of this account and i would just like the ones above fixed to reflect that this vehicle was never repossessed and that it was paid on time the month of XX/XX/2020 XX/XX/2020
|
| 07/28/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I had a car loan with US Auto Sales since XXXX but in XXXX my loan was transferred to a debt collection company known as Westlake Portfolio Management. I thought I had defaulted on my payments, but it was just because the company went out of business. The debt collection company told me that I still owe the full balance on my car, even after making a year worth of payments already. They told me that they do not have access to nor will they honor the gap contract from my previous car loan servicer US Auto Sales.
|
| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from US Auto Sales on XXXX purchased an extended warranty for {$3500.00} but the warranty is not valid. I called the warranty company twice and was told I had no coverage. One of the calls I was told the warranty was in effect because US Auto either didn't pay or paid with a check that was returned for non sufficient funds. I have checked on the XXXX DMV and it shows that US Auto is still the lien holder.
I also paid {$990.00} for GAP waiver contract that isn't in effect either.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have requested XXXX XXXX and credit card account to remove these account from my report and they have not.
1. I gave no consent to report on my credit report, which is required.
2. The information is very inaccurate, and varies.
3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.
4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not.
STOP VIOLATIONS OF XXXX
|
| 07/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
In XXXX of 2014, I got a car loan from Westlake Financial. I agreed to a payment of {$350.00} per month. Every time I have made I was charge {$5.00} dollar processing fee. I did n't agree to the {$5.00} charge and it adds up over XXXX payment to {$180.00} more in payment on the loan. I am a XXXX vet on a limited income so this {$5.00} per month is an unplanned expense. Can these loan companies take {$5.00} from every customer? This would add up to a lot of profit on cost that was n't on the loans they give out.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
It's been over 30 days and the creditor has NOT corrected the false information that they have been reporting to the credit bureaus. They are reporting that I was 11 times late to the bureaus, YET when I had you to reach out to them months ago they sent you a letter stating that I was late only 2 times which is correct. This letter was mailed to me by your rep XXXX.
Under Federal law they had 30 days to complete the investigation and by failing to do so, these items must be deleted from my credit report ASAP
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company called my cell phone on XX/XX/2020 Seven ( 7 ) times within a 5 hour window, so roughly a call an hour. When they call they call back to back so 2 calls each time. I answered the 7th one. They also called from multiple numbers not just 1. This is not the first time either, I am just tired of it.
It is disturbing to have that many calls from the same company so frequent. It is annoying and a nuisance. And I am sending the company a cease and desist to avoid further collection practices like this.
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account has yet to be validated. I do not, nor have I ever had a contractual agreement with " Westlake Portfolio Management ''. In addition to this issue, there are multiple discrepancies, conflicting and inaccurate information being reported on this " charged off account / collection '', to both my XXXX and XXXX credit reports. This includes the fact that they are reporting an active payment history while there is no contract between us, therefore making it impossible to have a reported payment history.
|
| 09/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law XXXX XXXX XXXX also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction
|
| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The vehicle was involved in an accident and, declared a Total Loss. the insurance co paid the loan off in XX/XX/2017. However, the lender has failed to properly report the loan Paid and, instead has reported the account Open and, delinquent. I have filed disputes with the Credit bureau but, the lender refuses to update my Credit report. I have documentation obtained from the lender including payoff letter and, payment history. Lastly the lender refuses to provide a payoff letter with the correct payoff date.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I think they've been overcharging me on the gap insurance on the operation of the vehicle the thing that shuts down the vehicle they done it so many times to the vehicle stopped working they're out of business and sold the contract to another company the name of the company is us Auto loans or US Auto sales from my understanding there's a lawsuit already out what about this company so I'm just doing the follow-up it's so many things that have illegally done the main thing I think is the overcharging of fees
|
| 10/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I have been with Westlake Financial Services since XXXX, last month due to fraud on credit cards, and payment arrangements payments disappeared from the system, due to system fraud put me behind, make two payments one {$140.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX, owed {$93.00} left for XXXX, XXXX says past XXXX told the lease company will catch up in XXXX, for XXXX, I explained medical issues XXXX very rude representatives, told me will repossess a vehicle if you owe {$20.00} People have rights or do they?
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I have a car through US Auto Sales and I purchased and XXXX XXXX XXXX extended warranty and also GAP insurance on this vehicle and they went out of business in which they sold our contracts to a debt collector which is Westlake portfolio management LLC . I still have XXXX miles left on my warranty and my car has broken down needs a timing chain which involves the motor. And Im told theres nothing to be done because my contact didnt go over with my warranty or anything but they want me to pay for it anyway.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I have reached out to US Auto sales numerous times in regards to my car extended warranty that was apart of the car note. They have directed me to another company and the company shares they will not be completing any warranties. There is no resolution about the money that is tied into the loan, no refund nothing. I purchased the vehicle on behalf of having a warranty when something goes wrong with the car. Now I cant get the car serviced without the warranty that I am paying for every month, but cant use.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, Westlake Financial Services, XXXX XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/Westlake Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
|
| 12/01/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has honor finance and XXXX has XXXX XXXX XXXX XXXX amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies
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| 05/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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Since XX/XX/2023, Westlake financial has been calling several times a day and more than 7 times within one week. They repossessed my car and provided misleading and inaccurate information about the process. My car was repossessed when my payment was 54 days last due ; however, I was informed during a prior call that it would not occur until 60 days past due. When Ive tried to communicate with a representative, I was told I was lying. They cut me off, spoke over me, and addressed me in a belittling manner.
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| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
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Started with XXXX Fraud, reported it directly to the Police on XX/XX/XXXX Created an XXXX account.
None of these following accounts are mine : Westlake Financial Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX XXXX XXXX showing date open XXXX XXXX credit limit {$3000.00} shows late payments.
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}
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| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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XXXX XXXX, left us uncovered by XXXX after transferring loan. They also reported that I owe more. And I do not. This has been an absolute nightmare for me and my family. Especially since I was rear ended during all of this. What are we supposed to do. The company Westlake that took over the loans are no help at all. So, they can just transfer the loan and leave us hanging. It is really upsetting. The contracts should be void and we should not be responsible for their error. And we should be compensated..
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have requested proper legal documentation from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP.
|
| 09/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Westlake Financial is a creditor that gives pre-qualifications through XXXX. You can get a pre-qualified offer that can be submitted to various dealerships and is supposed to closely match what you would be approved for. I submitted information for a prequalification on XX/XX/XXXX, but instead of just getting a pre-qualification, my XXXX credit report was pulled. XXXX and Westlake financial assure potential consumers that credit will not be affected. My score dropped 21 points as a result of this pull.
|
| 05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
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.
|
| 09/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
had fraud that was done towards me by a family member using my SSN # { son } who developed a drug problem after his twin died in a car wreck. He had a friend who work at a car dealership and got two cars out behind me and his mother 's back. Westlake FinanciaXXXX, and XXXX thrift and loan, XXXX I've sent certified letter with a Notary signature stating this is fraud along with a copy of my FTC report and Number and still haven't gotten a response at all but this is still killing my credit. please help.
|
| 12/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
westlake fiancial svcs account XXXX XXXX XX/XX/XXXX and XXXX open XX/XX/XXXX accordance the fair credit reporting XXXX Account, XXXX, open on XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the rights to privacy.
15U.S.C 1681Section 604 A Section 2 : it also states a consumer reporting agency can not.
furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as late for any reason.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX my attorney reached out to Westlake Portfolio requesting information regarding my account. She was then directed to speak to the Creditors attorney.
My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both Westlake and their Attorney.
Westlake was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
My car was in an accident onXXXX my car was towed to XXXX XXXX XXXX XXXX XXXX On XX/XX/21 the finance company Westlake Financial Services went an repossessed my I'm not behind on my carnote I've always paid my carnote on time or before time now my car is at XXXX Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX up for auction the insurance hasn't had the chance to look at my damages how is it possible for them to take my car and I'm not behind on my carnote My name is XXXX XXXX my phone e number is XXXX
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a vehicle from U.S Auto Sales XXXX of XXXX. The vehicle I purchased was a XXXX XXXX XXXX. I purchase a warranty with the vehicle. Well in XXXX of XXXX the vehicle needed repairs. So I took it to a auto shop for repairs then I called the company and found out the company was no longer in service. I was connected to another company called Westlake portfolio. Well this company said it purchase the accounts from US Auto Sales. And they will not honor any warranties they just collect the debt.
|
| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Sent lawful tender of payment to this company since XX/XX/XXXX and they have denied it multiple times along with the 1099A that they have denied they received. Due to multiple violations of the TILA now I have rescinded the contract on XX/XX/XXXX they have now unlawfully repoed the vehicle on XXXX.Pursuant to 12 USC 1431 banks can not loan you money. I have attached my payment remittance coupon that was received by Westlake XX/XX/XXXX, please see " act of XX/XX/XXXX '' my tender of payment is lawful.
|
| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract.
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX.
Again, this is Fraud.
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
On XXXX I finance a car and the total Finance Charge was XXXX then I make a eleven payment of {$410.00} and most of the payment goes to interes and small portion goes to the amount finance for XXXX. I also call Western Funding Incorporate asking for Payment History and found this because in the billing statement does not shoe it. They also told me that they charge of XXXX every month.
I think that it is an abusive practice to the consumer. Iam going to send the documents by mail.
Thanks XXXX XXXX
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : WILSHIRE CONSUMER CRED XXXX
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
my name is XXXX XXXX XXXX XXXX, i'm buying a house and when they went to check my credit, they informed me that they would have a truck financing in my name at a financial institution called westlake financial service. I tried in every way to show that this was a fraud, but they did not remove it from my credit.
I have my social security for just over 1 year, so it is impossible for me to have introduced it in the purchase. I never bought a truck, I never signed any contract, this debt is not mine.
|
| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I noticed a new auto loan pop up on my credit report that I did not approve. I contacted XXXX, which I was employed with at the time and found out that they sent in paperwork for a customers vehicle in my name. I quit, filed a police report, and ftc report within a few months of the incident. I contacted WestLake FinanciaXXXX and they were unwilling to accept all of the documents that I have submitted to them. I have been ignored by the main contact that has been assigned to investigate this matter.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The company still needs to update the credit report as reflected on the statement provided in the last complaint open. The original account was signed with XXXX, and XXXX is taking the payment automatically from the XXXX account shown in the attached statement. Also, I have noticed that the credit report reflected an " ND '' for one month, along with the other incorrect late payments. The carelessness of this company is harming the score and report while the payments are made on time consistently.
|
| 07/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company ( Westlake Fin Services ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. West lake financial, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
|
| 03/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value.
Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have paid Westlake financial a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from Westlake stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are reporting
|
| 10/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Westlake took over servicing my car lease from American Car Center. After not validating the debt properly Westlake Repossessed the vehicle, they over charged on repossession fees and they never sent a right to cure letter. My vehicle was picked up on XX/XX/23 and as of today XX/XX/23 I have received no paperwork about my vehicle, only a bill every two weeks. I believe they sold the car on or before XX/XX/23 because the title was updated that day, I was given no notice of a sale taking place.
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent this company a letter on XX/XX/2021 opted out of sharing any negative reporting on my account I XXXX XXXX XXXX XXXX per FCRA as a federal protected Consumer social security number ending in XXXX out of any and all authorization I have given you sharing any negative personal consumer informationgiven in any previous agreements written, verbally or otherwise : for perpetuity it is illegal to report transaction history 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
|
| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have a car financed by US auto sales. They transferred over my car to Westlake portfolio management. When I initially got the car it says with the warranty and XXXX it would be XXXX XXXX. Since theyve transferred the loan, the payments Ive made for over a year and a half are nowhere to be found. They are saying I still owe the amount from when I initially got the car. They also are still charging me for XXXX and extended warranty however, it is not showing up that I have any on my vehicle.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I keep seeing the same issue reported by Westlake Financial stating my payments were late 30/60 days and my vehicle was charged off. I have disputed this multiple times but nothing has changed. XXXX keeps listing this information. Plus, they show similar information on XXXX and XXXX. Yet, those two are not showing the same information regarding Westlake. I did submit a screen shot to all 3 bureaus as well as Westlake showing every payment being made on time as per the bankruptcy agreement.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX, XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 WESTLAKE SERVICE INC XX/XX/18
|
| 10/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I was approved for a car loan for a XXXX XXXX XXXX in XX/XX/2015 from a financial service named WestLake Financial Services, the address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have already paid over {$29000.00} and still owe over {$17000.00}. I have ask the company to renegotiate the contract but they refused. I know that they are illegally over charging me on my car loan because if I pay off this car loan I would have paid {$46000.00} for a used XXXX XXXX XXXX. Can You Help?
|
| 01/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX popped up on my credit and has been stuck for a while. They have called me multiple times and have failed to provide documents. They call From a unknown number and in hopes to make a settlement they told me if I dont pay that it will not help my credit but will lower my score and if I want a high score I must pay. I also never received anything or signed anything with them tried disputing and nothings works they are reporting False and its damaging my life and credibility.
|
| 12/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
XXXX XXXX XXXX Acct # XXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
|
| 07/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
There is a serious mistake regarding my agreement with XXXX XXXX XXXX and the manager XXXX XXXX. I agreed to the vehicle sales price of {$9700.00} listed on their website on XX/XX/2021. NOT XXXX. That is {$2100.00} I need to be taken off my loan amount and vehicle sales price. I have filed official complaints with the XXXX XXXX XXXX, as well as the Federal Trade Commission.
Also, the odometer was XXXX miles more than originally listed off of their website. The present mileage is XXXX.
|
| 05/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In accordance with the fair credit Reporting act, has violated my rights.
XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX Re : XXXX XXXX : XX/XX/1995 XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The loan with Westlake was paid on XXXX, however it continued to be reported that I had XXXX auto loans out at that time. My XXXX score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other XXXX credit bureaus have NO SCORE for me according to your site that I was just on?
What in the world is going on?? I can not even attempt to purchase anything with this XXXX score!!
Do the XXXX bureaus share information?
Please help!! Thank You
|
| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY.
XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXXWESTLAKE XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX XXXX. XXXX XXXX XXXX ON XX/XX/2021
|
| 11/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I was sold a Lemon Car with Multiple Issues! And the Dealer knew of the Issues and didnt disclose until after he was paid by the Financial Company! The Financial Company says I Sam still Liable for the Loan and I can not get the Vehicle Repaired! The Car Dealer refuses to help with Another Vehicle or a Refund of the Down Payment!! My mother had no Car or Money to buy Another Vehicle. I feels the Loan Company should not put this on my Credit Report! And they Refuse to Work With Us!!!!
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have sent and call both Westlake Financial, XXXX, and XXXX regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I received my car from US Auto sales 5 years ago. Now that they have gone out of business Westlake Profolio management has taking over. On XX/XX/XXXX a repo company called mvTrac was sent out to repo my car. I was told by the man that my car was reported stolen. I have called around to every company involved and no one will give me any information on the location of my car. So I can receive my belongings out of my car. Ive left messages and submitted forms. Ive came up with nothing.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Purchased my car XX/XX/XXXX. A XXXX XXXX XXXX from US Auto Sales.
Since then, my car broke down and I found out about a month after I purchased my car they went out of business. They never paid the warranty company, XXXX. So, XXXX refused any new claims as they haven't been paid for previous warranty claims.
Now, US Auto Financing has shut it's doors and they were the financing company.
I've spent nearly {$4500.00} in 3 months for a car that I can not get repaired.
Please help.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Westlake Financial. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On my reports there is a closed account with huge amount of missed payments. WESTLAKE FINANCIAL SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 10/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I called Westlake Financial, requested information such as auto loan interest rate, copy of the note, ( credit agreement ), and payoff. The agent stated they would mail the information to me. The call occurred 3 weeks ago, and I still have not received the information. I tried to access the account information online however their system will not let me create an account.
The monthly bill sent to me is deceptive as it does not list my interest rate for the loan, or loan amount.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXXWESTLAKE FINANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports.
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake Financial Services has been over charging me since XXXX of XXXX have a repossession occurred due to my low income and my XXXX. My car was repos on XXXX XXXX. I paid XXXX directly to the car company.Then The repo yard release my vehicle after I had to go to the police station for a repo receipt. Since then I have been charged everyone since then for XXXX extra .They have been charging me for my car note plus XXXX .I have called them several time to remove these charges.
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I AM REACHING OUT DUE TO PAYING US Auto sales in XXXX NC for Gap Insurance and they never paid it. Once they closed I got a letter in the mail to call Westlake or make a payment to them because my contact was sold to them I have been asking For 2 months for my contract if it was sold to them and I would pay When I sent a email about it they sent we a list of Contacts to Westlake. I don't know what else I need to send into this Because I am so lost over this whole thing. Thanks
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have an account with XXXX. The payments are automatic and current, as per my credit card statement. The company XXXX XXXX XXXX has reported that I have not made any payments toward the account in question resulting in a negative effect on my credit report.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
purchased XXXX XXXX XXXXXXXX XXXX from Westlake Finical, Loan was leased to another company ' mileage speed odometer ' was wrong on car ' loan was not properly instructed ' wasn't given the Option to Opt-Out. car was at the time of purchase and still a having multiple issues with this vehicle. contacted the XXXX they seemed to not want to help " requested money back or a working reliable vehicle and was not given option ''only TO PAY! and nothing they can do!!
I need HelP!!
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been disputing Westlake financial for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score XXXX points .. I have disputed this numerous times and it was supposed to be taken care of along time ago
|
| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2022 A check for {$3300.00} was sent for westlake financial to endorse and return to me. I still have not received my money back to get my car fixed. I can never get through to anyone I NEED my money back. Someone lied and said they would over night ship it and even send me an email with a tracking number, yet XXXX still hasnt received it yet and the was days ago. I am paying a car note on a broken vehicle and if they do not return my money I no longer want this car.
|
| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with Western Funding Incorporated on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but western funding incorporated took cash. The Finance charge is suppose to include insurance, but western funding Incorporated made me purchase insurance separately.
|
| 03/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
a lawsuit was filed against me in a state i never lived in and never signed paperwork in i was married it was in our divorce decree that ex was to take over all debts on auto and refinance ex did not do that, the XXXX XXXX XXXX hired a attorneys in Ohio to handle the loan debt, the Law firm filed a suit on me with a false address In OH In XX/XX/2020 the law firm used an address that i never lived at nor that i know of, I have lived in Indiana for XXXX yrs. I was never served.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to WESTLAKE SERVICE INC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting WESTLAKE SERVICE INC agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOWCOM/WESTLAKE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
On XX/XX/2018 purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for {$22000.00} with a {$5000.00} downpayment as requested.The car was sold under fraudulence with a bad motor.Car was returned that same week to dealer who stated that they would fix.The dealer was unable to fix the car so i demanded a refund.Dealership refuses to refund back money stating i refuses to let them use the car warranty to fix it.I then decided to contact consumer affairs and file a complaint in court.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I just received my new credit report for XXXX and I found quite few auto Accou
nt Review Inquiries on my credit file that wasn't authorized by me. This is the list of th
em.
WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In 2019 when XXXX hit I lost my job I was Not behind on any payments, and I voluntarily gave back the vehicle because of XXXX income. Now I made an offer to pay it off, which was only XXXX less than the amount I owed with the cash I had left in my savings. They denied it so I told him to take the vehicle back and took my cash in purchased a vehicle. I was not sure what was going on during the epidemic with returning back to work, so I was trying to do the responsible thing.
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Westlake Financial has fraudulently taken $ 5,000+ plus from me.
I requested a wet signature binding myself and Westlake Financial in a contract 15 U.S.Code 1692j 15 U.S.Code 1640 ( a ) DOUBLE THE FINANCE CHARGE for each violation 15 U.S. Code 1635 ( b ) not liable for any finance or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, any property to the obligor, the obligor may retain possession of it,
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with a Fair credit reporting act [ WESTLAKE FIN XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Under 15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 06/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XX/XX/2021 I purchased a used car in my car loan I had a warranty that cost {$1800.00} when I tried to use my warranty for the car the warranty people that Westlake uses kept saying that I don't have an active warranty to the car I went back and forth with Westlake and the warranty company that they use in order to try to get my car serviced I was not able to get my car service because by time they found a active warranty for my car it was over the mileage and the time.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Westlake Portfolio Management is reporting this account XXXX as opened and delinquent when I refinanced my vehicle with XXXX XXXX XXXX XXXX and I have been making payments with XXXX. I called Westlake Portfolio Management to confirm that this account XXXX was closed and they confirmed. As of XX/XX/XXXX they are still reporting to the credit agencies as open and delinquent which is affecting my credit significantly. I wanted this account closed and removed from my reports.
|
| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2018. I made at {$310.00} payment and on XX/XX/2018 I made {$210.00} payment and they said I never made a payment on XX/XX/2018. My bank statement says I paid it. Then when I call them they called me a lier. And other names. Even there statement I got on XX/XX/2018 says I made it. They want me to call my bank at XXXX XXXX to get my money they stole .i even sent them from my bank my bank statement and they still say I didn't pay even though it was on my statement.
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Purchased car through US Auto in XXXX South Carolina. Old car was wrecked not my fault. Took 5 months to get old car totaled out. Never recieved rental reimbursement. Got new vehicle finally. Then the vehicle I got needed repairs. Sent to get fixed 5 different times. Issue never fixed. Old parts on vehicle when new ones were recorded being put on. Complaints filed. Also have had to pay additional taxes on my loan to get tag when dealer said was included in downplayments.
|
| 07/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake financial services is committing securities fraud with my security. I also received a 1099C and 1099A from them canceling the debt yet they are still charging me, and when I tried contacting them about this no one seems to know anything about what I'm asking and then they will hung up on me. I need my account to be XXXX OUT! AS THE DEBT HAS BEEN CANCELED AND MY TITLE SENT TO ME. I WILL GIVE YOU ALL 10 DAYS TO FIX THIS OR I WILL GO TO COURT FOR SECURITIES FRAUD.
|
| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My account was transferred to westlake protfoio management. I asked for proof they have my account. I never received when I call I am always disrespected by called maam. I have four times been transferred nine times been hung up on and when I have asked for a supervisor I never get one. All I want is a letter of voluntary surrender for my car. At this point I feel like a court action is needed. I have now on hold for the five time.
My account number with them is XXXX.
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Westlake Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off.
The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked XXXX to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
This Company Has Put on my credit debt collector threatening for me to pay them when their not my lein holder nor loan agency nor finance agency my car was purchased and financed with US AUTOSALES. already made payments they started my finance over as If I hadnt made any payments. Money I didnt have to throw away. They started my lease over that is NOT RIGHT. US AUTOSALES IS WHO THEY SAY IS IN DEBT I SHOULD NOT SUFFER FOR THAT. WESTLAKE IS A DEBT COLLECTOR NOT A FINACE
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I Have a open loan with US Auto sales, Who sold out or went bankrupt! Sold the contract to some one else without me knowing which out me behind. Also i call the new company for them to tell me i have no included warranty with this car i been paying for, & that i have to find my own third party. I know i paid for warranty, i have documentation for that. So now i asked them why wouldn't the balance of the car decrease because of that, & they are giving me the run around.
|
| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
After transfer of the loan, the payment schedule got confusing and my car was repo, I paid on XX/XX/XXXX the fees to get my car back. They said it would be released in 48 hours it is now XX/XX/XXXX and I have not got my car back. When I call Westlake financial they said they have sent the email to XXXX XXXX, when I call XXXX XXXX they say they havent released the paperwork yet. I have asked to speak with a supervisor at Westlake for the past 2 days and getting no where
|
| 02/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Westlake Financial is continuesly reporting on my credit inaccurately. They have been provided ample amount of time to correct their errors. Multiple disputes via XXXX, XXXX and XXXX. They insist on not correcting their mistakes properly. Due to my rights by law as a consumer and fair credit reporting act I have the right to fair and accurate reporting on my credit.Thank you for your help in the resolution of this particular matter, issue!
XXXX XXXX XXXX ( XXXX ) XXXX
|
| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XX/XX/XXXX, WestLake Portfolio MGM Date Opened, account {$12000.00} this company put this on my credit report I never had any loan through them I recently had a car loan under another company which was closed out and wipe off my credit because I co signed dont have any knowledge of this company. I contacted the credit bureau and did a dispute XX/XX/XXXX and the same day they just updated the information they didnt do a full investigation to see if this what debt I owe.
|
| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXXXXXX XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly
|
| 04/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On or around XX/XX/XXXX I purchased a vehicle through westlake financial services. According to usc 1605k determination of finance charge include sum of all charges. This company violated the FDCPA and truth in lending act and I will like this obligation to be paid in full due to the fraud of this contract. The right to rescind was not included in the contract which by law states every dealership must follow and operate through truth in lending laws which they did not
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On my XXXX report there is a closed account with huge amount of missed payments. WESTLAKE SERVICE INC Its not mine account.
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE SERVICE INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 05/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
6 months ago I got married. Since then I have tried at least half a dozen times to have my name changed. I submitted all legal documentation requested. I also requested to add my husband so he could handle things while I am away on military orders. Again, I submitted all documentation. I have never heard back. When I requested an update they became nasty. I'm having issues getting it paid due to their unwillingness to update these things and it will affect my credit.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Westlake financial has a derogatory account on my credit report for a vehicle in which they never owned or had the title to. The account has kept me from gainful employment and from achieving the credit score I desire. I have called them over a hundred times but to no avail. I recently demanded Mr XXXX respond to me immediately. Of course he has not. So before I file suit I just want your advice and assistance with the matter. This issue has been going on since 2015.
|
| 03/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
back in XXXX I had financial hardship due to covid. I called Westlake financial to tell them what was going on. they did offer one month of no payment but since I got furloughed from work I would still be in trouble. they are trying to hold me accountable for a vehicle that I gave back to them and now it reflects late payments and different amount. I did have XXXX for pay off now they went from that to XXXX and I have a letter to send them XXXX this is totally wrong
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
|
| 07/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I paid XXXX $ down payment and the car was set out to be XXXX $ final price with the fees and gap etc it adds up to XXXX $ I payed XXXX which means I purchase at the price of XXXX subtract XXXX from that Its XXXX $ which means the sold the vehicle to me for more money after all the fees they had typed out on paper and had me sign I thought it was fine till I realized price purchase.
I left a message waiting response on XX/XX/2022 XXXX XXXX XXXX XXXX number : XXXX
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
westlake financial XXXX westlake financial In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the rights to privacy 15usc1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written intructions under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
|
| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
|
| 01/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have tried to lower the interest on my car loan since due to the situation of the pandemic I lost my job but still I continue to pay my payments and the interest is at 14.99 % and now the interest has dropped and I want to lower it but They don't want to help me, they say it can't be changed. To this day I have never stopped paying my car, I just want my interest to be lowered as the law stipulates at this time The bank that has my car loan is Westlake Financial
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C 1681 section 602 A. States i have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my vehicle with Westlake Financial on XX/XX/2022. Title was supposed to be mailed to me within 7-10 business days, but it never came. Since then, I have contacted them by phone and e-mail and left voicemails and messages. It has been over 3 months now and I have gotten no response. I would like to sell the vehicle now but can't with no title. I also can not go to Secretary of State for copy because they still have not released the lien with the state.
|
| 12/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.
|
| 06/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
U.S Auto sales went bankrupt and did a no recourse dealer retail agreement and then XXXX XXXX XXXX then they resold the debt to West Lake Portfolio Management which is not correct. The debt was written off in a bankruptcy o i no longer own this debt. I did in house financing so if the company went bankrupt so did the debt. I made all my payments on time it say debt paid off on my credit report. Not to mention West Lake has all the incorrect information on file.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The dates mentioned I were late in making my payments were incorrect and unverifiable. I never paid late and I was never notified .Please update the payment history immediately for the accuracy of my report.
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
It seems like there has been a trail of loan fraud and title fraud dealing with the vehicle I purchased in California and somehow XXXX did something with the title after it was sold. I have not been able to renew my title registration or sell the car which I had planned to do back in XXXX of this year.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX https : XXXX Westlake Direct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : //www.westlakefinancial.com/
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately.
This inquiry occurred on XX/XX/2022.
My name is XXXX XXXX Last 4 of my social security number is : XXXX
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XX/XX/XXXX Prior loan from Westlake Financial that was charged off in XX/XX/XXXX, still shows a balance owed to thrm of {$1500.00} on my XXXX credit report. I discussed this issue with them in XX/XX/XXXX thru XX/XX/XXXX to get this mistake fixed and was told this charge off and balance would be removed due to car being sold at auction by them. Recently I applied for a personal bank loan and was denied due to this severely derogatory listing on my credit report.
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
Transmission went out on car. American car center deemed unrepairable and towed the car away from XXXX XXXX in XXXX fl on XXXX XXXX. They then gave me the address in XXXX where the vehicle was taken, and gave me all my personal items and the tag off the car. Never provided any documents saying they took the car back and for some reason this unprofessional company that supposedly took over there payments have no record. It is not my job to find a car they lost.
|
| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I bought my XXXX XXXX XXXX from us auto sales! Westlake has now taken over from what I understand. I called Westlake to send me the documents for the transfer. They told me they don't have it. As well as the extra warranty I purchased is no longer good, and they have been shutting off my car even though my payments have been made! I have no proof that my loan is with them. They never called me to let me know the new terms and conditions with this new company!!
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
On XX/XX/2023 I went in XXXX trying to do a consumer credit transaction to acquire an asset. A application was done the company stated that I needed to put {$8000.00} down. I asked the company did they operate under TILA. They stated yes they did. I know in a consumer credit transaction that a specific down payment is required in connection with any extension of consumer credit, unless the CREDITOR usually and customarily arranges downpayments in that amount.
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I brought a car from a car dealership where I was approved for a loan which went towards the car and I also put down a downpayment which I wasn't a ware that I didn't have to do so it was time where the car got repossed cause i couldn't afford and to the last point where I had to call them to get the car mind you they sold off the car and I found out there where still adding interests towards the car and I don't even have it anymore which came up to XXXX XXXX
|
| 10/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 08/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I bought a car with US Autos Sales in XXXX, GA in XX/XX/XXXX. The company went bankruptcy and sold my car to another company without my knowledge. The warranty I paid for do not exist. Also the company did not have their sellers licenses. The overcharged me for my vehicle. Now the money I paid the new company Westlake Portfolio is not transferring my payments over. They say I owe XXXX on a XXXX vehicle I been paying on. I can't reach anyone on this matter.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Westlake Financial Services has been inaccurately reporting to my credit report and causing me duress. XXXX of XXXX, Westlake Financial Services added remarks to my account that the XXXX XXXX XXXX was repossessed however the XXXX XXXX XXXX still remains in my possession and my account is in good standing, it has not been repossessed. Because of their negligence and the inaccurate remarks added to my credit report my credit score has been severely impacted.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with WESTERN FUND, WESTERN FUNDING INC, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WESTERN FUND, WESTERN FUNDING INC, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 10/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 'It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Westlake Financial has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! XXXX and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for four years now, can anyone just do their job?
|
| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
XXXX/WESTLAKE FINANC You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
|
| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have paid of my car in XXXX. They told me my title was sent out on XX/XX/XXXX, but I never received it. Now they are telling me I should have received it on XX/XX/20, but I didnt. They also told me they can not send out another copy, and that I would have to request on from the XXXX and pay for a duplicate copy. As a customer I have the right to receive my title. I dont think its okay for the customers to pay for something that was not handled properly.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I bought a car from us auto back in XX/XX/XXXX. Paid a down payment and paid on it u til early XXXXXXXX XXXX XXXX My balance is incorrect and they cant find my payments that were made or not transferred over to Westlake portfolio. Harassing calls and emails. Threatening to repo and add other fees that Im not aware of. I never sign a contract with Westlake. My warranty is void after us auto sale sold my information and Westlake isnt honoring the contract.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to.
XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - NOWCOM/Westlakes Fiancia XX/XX/21 - XXXX XXXX XXXX XXXX I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report.
I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake Financial Services is inaccurately reporting my payments to the credit bureaus. On XXXX it is showing that I have not made a payment since XX/XX/XXXX. XXXX and XXXX are showing all my payments but is incorrectly reporting XX/XX/XXXX payment has 30 days past due. I have reached to them more that 5 times regarding this issue. I have also filed numerous disputes with the credit bureaus to no avail. Please help. I have all my payment confirmations.
|
| 02/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Westlake Portfolio Management has repossessed a vehicle that was awarded to my ex wife during our divorce. Case number is in the city of XXXX, Wisconsin XXXX. The judge awarded the vehicle to her and they refuse to accept the divorce decree and take my name off the loan. They are still saying I am primary because I signed the contract when we were married. Just want my name off the contract as directed by a judge of a legal court system of this country.
|
| 01/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time Westlake financial has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
Signed a loan for U.S auto sales. Currently paying for warranty and gap insurance. U.S auto sales randomly closed down. The warranty Im paying for doesnt exist and the gap insurance I pay for doesnt exist either. None of my payments have been going to my car loan. My car was illegally repossessed twice. They denied my auto claims for me to get my car fixed even though I was paying for warranty. Trunk wont close and they never fixed my broken tail light
|
| 05/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
XXXX XXXX and XXXX XXXX dont agree with the 30 days late payments then a repo on XX/XX/XXXX I believe it was 3 late payments in XXXX then repo in XXXX but they let me get the car back but still reporting late payments and repo when they let me receive the car back and still XXXX g payments and have the car till this day repo harming my credit and late payments that I thought wasnt suppose to report due to corona virus remove all late payments and repo
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid the settlement with Westlake Financial. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Purchased car last XXXX from XXXX XXXX By XXXX the engine went out in car, I had to pay to be able to get around. Took XXXX weeks to get a rental car before they decided to give me a car. Not what I originally purchased. Since the new company has taken over I have had to to replace the whole back end of the car. Now they expect me to pay {$1500.00} I dont have because they gave me another car thats bad. Westlake management is no better than XXXX XXXX
|
| 05/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
WestLake Financial Services They call and call when you are late making a payment. And they always XXXX their money and ask why you are late making it this month. and they get up in your personal finance issues that you are having and they do not respect the customers at all. They raised their voice at you and tell you that you are past due and that they want their money. They try forcing you into online where they take the money out of your account.
|
| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report has been showing a balance of {$14000.00} when my balance has {$13000.00} since XXXX!!!!! And even with that, I asked why is it almost a year of me paying my car note and balance has only went down {$30.00}, I was told that that comes from the TWO PAYMENT EXTENSIONS I REQUESTED WHEN I WAS LAID OFF BECAUSE OF COVID which WAS communicated with them. I was told that while I was granted the 2 extension, i still HAD TO PAY DAILY INTEREST.
|
| 05/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Myself and another person was on original title. The other person took out a loan with XXXX XXXX. Somehow in XX/XX/XXXX wilshire paid XXXX XXXX And said i am the one who got the loan. How is that i didnt have a job at the time. I also have never received XXXX. The other person receives XXXX thats why XXXX XXXX was able to give loan. They recently repossessed my truck on XX/XX/XXXX. I am an essential worker i use my truck to get to and from my XXXX.
|
| 06/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
The following account is a result of identity thief and FRAUD ...... I have already filed a dispute with the 3 major credit bureaus, the following account WEST LAKE FIN ACCOUNT NOXXXX IS A FRAUD AND MUST BE DELETED IMMEDIATELY. Pursuant to 15 U.S.C. 1681 SCTION 602 A States I have the right to privacy .... Also it states under 1681 section 604 A section 2 : that a consumer reporting agency can not furnish an account without my written instruction...
|
| 10/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted Westlake portfolio management on multiple occasions I sent ftc reports to the credit bureaus and all. I told them can I get a contract where it say I signed with them. Every phone call is recorded so yesterday on my 5/6 time calling for an update the guy stated we dont have to send you anything only the credit bureaus. They keep stating a car from us auto sales and how they took over their accounts. This has been all over the news.
|
| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
this car was repossessed in XXXX this company is showing on my credit report that I have a balance of {$7300.00}. I was never notified by westlake Service Inc, of the Repossession nor was I notified of the deficiency after sale. I didn't receive notification of my right to cure.
It is also showing as a chargeoff if it is a chargeoff send a XXXX. The balance on any reported account should be XXXX. This is in violation of the United States tax code
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act Westlake financial Acct # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
27.5K 378 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 01/31/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
|
| 11/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is undoubtedly recorded as a charged-off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicated on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
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.
|
| 01/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I received a check from the XXXX XXXX Redress Administrator based on an order from CFPB to pay out. The check was dated XX/XX/XXXX however I didnt receive check until XXXX and it was damaged. I contacted company and was told to send check in with letter of explanation and a new one would be sent. Its been over 4 months and I still have yet to receive a replacement check. The amount is {$180.00}. The account number is XXXX and my name is XXXX XXXX.
|
| 07/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving emails and spam calls from this debt collector for over a year.I don't have the exact date the calls or emails started, but I have records upon records of up to 12 phone calls a day, usually beginning minutes past XXXXXXXX XXXX. Today they called me 12 times. I have an application that blocks the calls but I am still able to see how many times and what time they contacted me. The debt agency is Westlake Portfolio Management.
|
| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
The company I originally leased my car from, American Car Center, went bankrupt and sold their company loans to Westlake Portfolio Management. Theyre repoing peoples cars when we cant even sign up online to pay our car notes. They also are picking and choosing what part of our contracts we had with American Car Center they would like to uphold. How are they able to pick and choose or even demand we pay them when we dont have a contract with them.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act WESTLAKE FINANCIAL SVCS Account # XXXX has violated my rights.
15 USC 1681 Section 602 States i have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I still have Inaccuracy on my credit report after multiple disputes letter sent informing them about the problem.
From my understanding is that the XXXX XXXX Format is the industry standard for reporting accurate, complete, and timely information. The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy which is the industry standard.
|
| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I bought the XXXX XXXX XXXX from US Auto Sales which went bankrupt and sold their accounts to Westlake Portfolio. My vehicle was repossessed and I paid the repossession amount of {$2000.00} on Monday XX/XX/XXXX. I was told by Westlake it takes 24-48 hours for the release. They still have not released my vehicle. Also US Auto Sales overcharged me on the vehicle and they did not inform me that they were going bankrupt and the account would be sold
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Westlake Financial Company has deceived me with an auto loan that was incorrect, although I have paid it for two years, I halted my payments because the social security number they have entered was someone else 's so when I learned about it, I confronted them and they have promise to fix all the error in my loan account. but it turned out that they have neglected it, please help me because these company destroyed my credit for the wrong reasons.
|
| 04/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Problem with customer service
|
|
Web |
|
|
On XX/XX/, I sent a money order in the amount of {$230.00} ( for my car payment due on XX/XX/XXXX, ) to WESTLAKE FINANCIAL. They inform me they did not receive payment.
I had the money order traced by XXXXThey inform me the money order was cashed by WESTLAKE Financial & they sent me copies showing proof.
I did contact the company by emails & phone calls with the findings, but the representatives responses were, We do not see the money order.
|
| 05/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I took out an auto loan with XXXX XXXX on XX/XX/XXXX. The account closed on XX/XX/XXXX. I had been making perfect on time payments up until an incident that left me hospitalized, and out of work for months. I tried contacting the loan company to inform them of the tragedy and request some sort of accommodation. The customer service reps had no mercy to my situation. I fell under hard times. It was either medication, or a vehicle I couldn't use.
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under on open consumer credit plan as late for any purpose
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been calling and disputing this {$83.00} debt since XXXX with both my credit bureaus and the collection agency. This was for my daughter 's XXXX payments, which were auto ACH each month. The payment in question was supposed to be the final payment, which WAS paid via ACH. I have submitted proof of this to both the credit agency and the collection agency and it is still on my report. My credit score has been damaged greatly due to this.
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
hello, I paid off my loan on XX/XX/2022 On XX/XX/XXXX, Westlake took a " payment excess '' additional payment of {$490.00} I stated calling in XXXX requesting they refund my overage After making four calls to request the refund and was repeatedly told to call back in two weeks I requested in writing they return the extra payment they took in XX/XX/2022 After 70 days they have not returned the extra payment they took after the loan was paid off
|
| 10/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I was recently hospitalized after returning from my trip to the XXXX XXXX. I was in the hospital for 3 months. During that time I was out of work. Westlake Financial closed my account without any warning and charge off my account. Now they are refusing to release my title. Not only did they cause issues with my employer Im dont have my case title.
Im at the end of my loan, and theyve placed me in a hardship because of their illegal reporting
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Late payment was add to my credit report. after I told West lake to deleted it the company file a false claim to consumer finance protection bureaus claiming " Customer has filed a small claims suit and all communication must be with our Legal Department. " This response is not true. Please provided the verdict, time and date for the earnin or immediately report the late payment because it illegal to lie on court earnin on a government website
|
| 06/04/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I paid the title loan off in full per the claim from Wilshire Consumer Credit XXXX XXXX, 2016 and now rude and very unprofessional argumentative customer service stating I must pay additional {$690.00} to pay in full and get the title back for my truck, I have made several attempts to contact the supervisor however she never returns my call or respond to my letters. I paid the loan back in full {$6200.00} and just want my title free and clear.
|
| 03/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
It is unfair that you can't make a payment only towards to the principal especially when you're enrolled in auto pay. I spoke with a supervisor named XXXX and she stated that the only way I can have my payment to be applied to the principal is if I make a payment the same day my autopay is drafted. I feel that this company wants you to owe them forever. No one can explain things. Its horrible, I wish I can switch to another financial company.
|
| 11/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S.
Code 1681i ( 5 ) these account are in violation of not reporting 100 % accurate.
|
| 09/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
in XXXX i made a payment & voluntarily called them and told them i wanted them to come get the car because i no longer want it due to the fact no one has shown me paper work nor can give me warranty information about my car! ive been calling since XXXX for them to come get my car & they stated they didnt want the vehicle they only wanted money & hung up in my face!! they causing my credit to drop for no reason and i dont know what else to do
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance Westlake FinancialXXXX
|
| 01/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There is a XXXX finance statement filed also I am a secured party creditor enacted by uniform commercial code the body of laws governing commercial transactions in the US. These debt on account have been place on debtors of accounts.ther is intrest in the debt for XXXX XXXX XXXX XXXXThe interested secured party creditor is XXXX XXXX XXXX These debts should be removed from aTHE NAME LISTED ABOVE.ALL SECURED PART CREDITORS HAVE BEEN NOTIFIED.
|
| 07/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
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.
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My car was repossessed but theyre telling me it wasnt. I posted a down payment along with an additional XXXX to cover my monthly payments for the following months, however the dealer failed to provide my additional payment into my paperwork so now it seems as if I broke my contract when the dealer and bank is acting of out bad faith. I went through XXXX XXXX XXXX XXXX XXXX and the bank that provided the loan goes by Westlake Financial XXXX
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization.
The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
|
| 05/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I financed a car through Westlake Financial, and was always on time with my payments until COVID-19 restrictions forced me to lose my employment and my car was repossessed. Even after asking for a deferment I was able to recover my vehicle for a modified payoff amount and was told that if I made this, they would remove the late payments from my record and that never happened. My credit report still shows three late payments on this loan.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
My account with Westlake financial was paid by my insurance company and XXXX coverages, a XXXX loan was paid, they said it was {$80.00} left over and repeated me XXXX days late.
I have tried to talk to Westlake several times but the language barriers and people there are no help, this {$80.00} has cost me a lot of money and time these past XXXX days it has hurt my score XXXX points, and I cant get approved for anything at the moment.
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was all of XXXX year old. I applied for a vehicle loan in which I got approved for but never took pocession of the vehicle. After learning what the interest rate my parents qould not allow me to go through with the purchase. I have had numerous conversations with XXXX XXXX in regards to this matter however, to no avail. I am seeking dire help to have this matter removed from my credit as it has made it very difficult to obtain credit.
|
| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have a car loan with Westlake Financial and Ive been struggling trying to get a copy of the tittle from them. I moved from XXXX to XXXX XXXX and in the end of XXXX I started trying to have my tag transferred to new state.
On XX/XX/2021 I had the tag office sending Westlake Financial the fax requiring the copy of the title. Till today they havent send it.
Ive trying calling uncountable times, sent many emails and nothing happened.
|
| 12/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was paying my payments for the car at first for the first four months until I was fired from my job due to me being in the wrong place at the wrong time. I struggled all year to find a job while XXXX my grandmother due to XXXX XXXX, and I tried to reach out to Westlake Financial for some sort of help on lighting my monthly payments. I did not get in contact with Westlake and nor did they seem like they would be interest in helping me.
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I have been paying my payment for 3 years. Recently they closed all businesses down with no help to us the consumer. My car stopped running over a month ago and I no longer have a warranty and the shop can not figure out what is wrong with the car. I'm going to have to figure something out because it's getting expensive paying car payments, insurance and still pay another ride to get around to pay my bills. I'm at a lost of what to do.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.
15 U.S.C 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2018 I requested for a car loan to buy my first vehicle It was a used car The loan was approved, Unfortunately The car dealer he approved me to leave the parking garage With out a full cover car insurance that would pay for any serious damages to the car or the victims this was my first vehicle I thought I was paying for a full cover and he forgot to mention me the car insurance cover part now they over charged me for this car
|
| 10/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2019 on this date company opened a collection Account number XXXX {$13000.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus.
XXXX XXXX
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
on XX/XX/22 I requested that westlake financial cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXX and now that the new law have passed its XXXX in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT WESTLAKE FINANCIAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
|
| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XXXX XXXX closed it's business on XX/XX/2023 without a notice. I have not received a notice on who bought my loan. I reach out to Westlake Management but this is a debt collector. After speaking with another person who bought a car from XXXX XXXX. She stated that Westlake contacted her for a payment. I went online and I saw that XXXX doesn't have a record of my payments for the two years I have lease my car. Please tell me what to do?
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX New Jersey. I was given a warranty through XXXX XXXX XXXX and financed through Westlake Financial. The vehicle cost XXXX and I put down XXXX on the car. However in XX/XX/XXXX the engine of the vehicle overheated. After contacting the dealership and the warranty company they both refuse to take responsibility and give me my money back and end the contract.
|
| 09/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake financial has been issues with there online system for months at least for me now I'm behind trying to pay them cash at a XXXX XXXX store which costs me XXXX at a time. I try paying online dont work. Then they charge fees which I want cleared already complained XXXX and attorney generals office. I pay cash at small amount to make sure it clears at system. But to pay online it dont work. I've heard bad stuff about this company
|
| 10/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX.
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/19/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
Us auto sales went out of business and west lake portfolio took over the loans. I've paid off one of my vehicles and west lake says I still owe XXXX on it after I paid it off before us auto sales went out of business.. then I have another vehicle from us auto sales and I've paid XXXX payments and west lake says I haven't made one payment and they say I owe XXXX XXXX So in my mind I just waisted over XXXX and I don't know what to do
|
| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
XXXX XX/XX/XXXX we got the okay to defer our car payment for that month and an additional month would be added to the back end of the contract. On XXXX XXXX I made my car payment for XX/XX/XXXX. The break down shows my car payment only ADDED interest, didn't take away interest or principal, it only added it. The payment was {$690.00}. I also noticed that my payment went through as XXXX XXXX when it has always went through XXXX XXXX.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Westlake Financial Services has been reporting non-verified information to the credit reporting agencies without my consent. I have not given Westlake Financial Services MY written expressed consent to report anything to the credit reporting agencies. Westlake Financial Services has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to Westlake Financial Services .
|
| 08/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX closed their company and sold my personal information to this company Westlake Portfolio Management without my consent. Pursuant to 15 USC 1681 4 the company has no permission to report any using my personal information.
These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. I don't know anything about this company and I never gave any consent to open a account under my information.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.XXXX XXXX
|
| 11/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
On XX/XX/XXXX the vehicle was involved in a pedestrian fatality/ suicide. The vehicle was held as evidence from. XX/XX/XXXX to XX/XX/XXXX. My insurance company did not cover damage or any vehicle repairs, the tow company charged a daily fee which is now up wards of $ XXXX, Wilshire consumer credit title loan is XXXX +. The incident has affected me negatively in many ways related to my mental health, finances and overall well-being.
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer plan as late for any purpose.
|
| 05/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments
|
| 11/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a West Lake Financial Service from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called Westlake but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my XXXX credit report and I will like it deleted.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I had a loan with US auto sales and Westlake portfolio took over and since they took over they trying to double up on my payments and charge more interest and they have my pay days messed up and wont fix it. Ive called them and tried to discuss issues and they say they cant do anything about it. I have never missed a payment with Us auto sales or Westlake and Westlake is trying to say I am behind and is trying to charge late fees.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for k purpose.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
|
| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I have been experiencing financial difficulties with this leasing company since I purchase this car. I have been denied to request a new due date, removal of the co-signer of the lease, my contract, and monthly statement correction. There are multiple occurrences of disrespect and dissatisfying customer service. I have made payments for three years and have a large remaining loan to pay because all payments are going to interest.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Westlake is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus.
I am attempted to dispute this with Westlake, XXXX, and XXXX but have not been successful with getting this concern corrected.
The credit bureaus are doing incomplete investigations and just going off of what Westlake is sending them.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a car through American Financial Services-American Car Center. They were then bought out by Westlake Financial Services. I am trying to request a 10 day pay off quote as well as my full account statement. They stated they are unable to provide this information to me. They are refusing to give the information needed in order to pay off the vehicle and buy my lease out. Which was the original agreement of the contract.
|
| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 12/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with Western Funding on XX/XX/21. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Western Funding took cash. The finance charge is supposed to include insurance, Western Funding had me purchase my own separately.
|
| 04/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My name is XXXX XXXX, i have a XXXX XXXX XXXX financed with Westlake financial Services. On XX/XX/XXXX new york state asked all the banks to push the payments out for people affected. I called westlake financial services asking for payment arrangement at the end of the loan but instead they starting harassing me. I been receiving calls 3-5 times daily and they are charging penalties and late fees my phone number XXXX XXXX XXXX.
|
| 10/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX CA I have contacted this company at least 20 times. They are reporting my account as Paid, was a charge-off. My account was paid in full prior to charge off. I even received a refund check from the company for overpayment. How can they charge off an account I overpaid? I have requested them to update my reports and they are stating that the charge off is correct. If this was charged off, why do I still have my vehicle?
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
|
| 02/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive just recently started paying attention to my credit score as a young adult and there were accounts that were open during the pandemic that I have no knowledge of i have had to go through so much someone even put fraudulent unemployment in my name also around the same time that I had to get straightened out this is really inconveniencing me I have constantly tried to dispute the unknown accounts and they havent been leaving.
|
| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was impacted by XXXX and couldnt pay my car loan payment. The car was repossessed and auctioned. I was told that the amount the car was sold for at auction would be applied to the balance I owed but that didnt happen. The account went to collections for {$4000.00} more than what the original price of the car. Also, I had gap insurance that paid the loan company in addition to the money gained through them auctioning the car.
|
| 09/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
on XX/XX/XXXX Westlake financial issued a check in the amount of XXXX for account overpayment which i n never received or was every cashed. So i received from to fill out saying i never received or cashed. they received the form XX/XX/XXXX ever since then its been a battle to get them to cut me check for my money. I only have till XX/XX/XXXX for them to give it back or they submit my money to the CA Unclaimed Property Program.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Acctount # has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 B : A creditor may not treat a payment on a credit card account under an opened consumer credit plan as a late for purpose.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The first thing that happened is they marked my credit with all these late payments when the government shut down. Under the cares act it shouldnt been marked late. They offered my deferments but charged me late fees for the deferment they offered. So I payed almost 800 dollars in late fees. The Last thing they did was charge me XXXX dollars in late fees cause the check I sent was 6 days late from them time they received it.
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Westlake Financial has stopped my access to online bill pay, making the only way that I can pay them through the phone. There have been two incidents in which Westlake Financial has acted in bad faith through verbal communication, causing me to no longer be able to communicate with them through the phone. Additionally, any attempts to email them have not gone addressed with a personal response, only their automated response.
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
westlake finacial is still reporting a charge off after seven years on my credit reports, and they are showing a payment made two years later, trying to re-start the time period, I have talked to them, and they said that they will not remove this from my cedit, and will not show me proof of a re-start payment that they say was made in 2019, this is two years after the repo of the vehicle.I have never made a payment to them.
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We received a vehcile from U.S auto sales, in that time period we paid every single payment. The interest they charged us was Beyond ridiculous on top of that, they kept saying we owed more than what we did. Our vehicle had issues of turning off even when we paid our payment, through a device GPS tracker. Our vehcile got repossessed over night, because we couldnt pay all the extra they said we owed. Now its being auctioned.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not have an auto loan with this company WestLake Financial. They are fraudulently reporting on my credit report that I have an auto loan with them and I do not. I have only one loan/lease and that is not with this company I can not reach a supervisor and I have been hung up on twice when asked to speak to a supervisor. I would like this account removed from my credit report. I do not have a contract with this company.
|
| 02/24/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.
|
| 04/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.
|
| 03/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In XX/XX/2023 the financing company American financial was closed down. Westlake financial took over their loans. They have repeatedly called. Approximately once an hour per day. They have charged an astronomical amount in addition to what I already paid. They are also sending mail from XXXX XXXX but have their phone number as their contact information. I was told they would not stop calling me, after asking them not to.
|
| 02/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
They sold me a lemon the car is junk it been broke sitting park and he dont wan na work with me he said to contact his lawyer the car has outrageous miles they have me paying XXXX an something an I put XXXX down on a car thats not worth nothing he knew he sold me a lemon an told me to file my lawsuit an they dont wan na give me my money back for a XXXX XXXX XXXX XXXX XXXX XXXX is the name of the company in XXXXXXXX XXXX
|
| 04/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt was resolved nearly two years ago when it was paid under settlement. I was promised that it would be removed from my report and that I would hear the end of it. However, recently, this company put this incorrect and predatory information back on my credit report that deducted 85 points from my profile. I have the proof that it was paid on XX/XX/2019 directly from my checking account in the amount of {$1200.00}.
|
| 11/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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| 01/27/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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This account or Auto Loan was opened without my knowledge or consent. My information was exposed in XXXX data breach. I have sent my police report and also my identity theft report and also my identity theft affidavit that Westlake sent to me, Its been well over XXXX months and the account is still reporting my XXXX credit report. According to Section 623 ( a ) ( 2 ) of the FCRA, this is a direct violation of my rights.
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| 07/07/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Westlake financial customer service XXXX XXXX rep called me and told the call will not stop unless I paid today the sent me a email for request for payoff credit form and contract I never asked her for these things told me Im 4 day past the due date I said call cant continue if I have been notified she said they will this happened XX/XX/21 she pretty much just threatened to report to my credit if I dont pay her that day
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| 11/02/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/2021, I sent XXXX XXXX XXXX to Westlake Financial, in which they didn't respond. On XX/XX/2021, I sent Westlake Financial XXXX XXXX XXXX with the opportunity to cure ; still no respond which places them in default. I'd like to resolve this issue by providing me with the following : Title lien and free Account reported as paid on time & paid off to credit report XXXX out my balance Pay my invoice of {$59000.00}
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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West lake portfolio financial LLC has used my info incorrectly, and continues to report my info incorrectly.
From XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy.
15 U.S.C. 1681 section 604 A Section @ : it also states a consumer reporting agency can not furnish an account with out my written instructions
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| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit.
Thanks XXXX XXXX
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| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
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| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX account XXXX XXXX.has violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Around XXXX XXXX when things started to get bad for Americans Westlake Financial offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my XXXX these companies waste no time then send incorrect information.
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| 10/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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XX/XX/2020 : I called the company Westlake Financial to ask for a reduction in the interest to allow for lower payments but they refused.
XX/XX/XXXX : Called again stating that I could not pay the amount but they denied again and only offered to defer the XXXX payment.
XX/XX/2020 : I could not make the payment so they reported me to the credit Beaureu which really messed up my credit which I am trying to protect.
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| 12/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Westlake financial bought out my loan on my XXXX i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX and all payments are current and I have the checks to show it
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| 08/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}
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| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section A 2 : It also states a consumer report agency can not furnish a account without my written instructions.
15 U.S.C 166b A creditor May not treat a payment on a loan account under an open and consumer credit plan as late for any reason.
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| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I got the loan in XX/XX/2021 XXXX payment was due XXXX. I started paying XX/XX/2021 and continued to pay ahead. Every payment I would call and say please put the amount or the extra amount on the principle and they told me they would but they never did. I want the money paid ahead to go towards my principle. In XXXX a fee on my Statment says UNPAID TAXES/OTHER no one can tell me what it is for and I want it removed.
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| 05/27/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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The previous resident must have had a loan with Westlake Financial Services ( I was getting her previous mail ). I guess she has stopped paying her debt to them and I assume they used public records to pull the phone number that is tied to the residence however that number is mine and now I'm getting phone calls for this debt. I have told them numerous times this is the wrong number and they will not stop calling me
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| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My auto loan from US Auto sales was sold to Westlake. During this transfer, my warranty and gap insurance which is included in my monthly payments has been voided. Although voided, Im still required to make the same payments without coverage. Additionally, previous payments made to US Auto Sales are not being reflected. My balance current day is the same, actually higher than what it was the day I drove off the lot
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose
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