|
11663786
|
2025-01-17
|
Problem with a company's investigation into an existing issue
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing issue
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My Credit Report still show inaccurate information of total accounts across all three bureaus closed accounts open account debt collections hard inquiries personal information addresses & previous addresses are all inaccurate
|
| Consumer Consent Provided |
Consent provided
|
|
|
11592011
|
2025-01-20
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11794207
|
2025-01-28
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Loan
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
11781463
|
2025-01-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-26
|
|
|
6162194
|
2022-11-03
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2022-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11599446
|
2025-01-21
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Lease
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
10680285
|
2024-11-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11701601
|
2025-01-22
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11958189
|
2025-02-07
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-07
|
|
|
11106508
|
2024-12-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11851362
|
2025-01-30
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2025-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-30
|
|
|
11400224
|
2025-01-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't 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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11293710
|
2024-12-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11156672
|
2024-12-14
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Auto debt
|
| Date Received |
2024-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-14
|
|
|
11366676
|
2025-01-03
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
11417081
|
2025-01-07
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Loan
|
| Date Received |
2025-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
|
|
11441338
|
2025-01-08
|
Credit monitoring or identity theft protection services
|
Vehicle loan or lease
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Loan
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
7182588
|
2023-06-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Other debt
|
| Date Received |
2023-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6217564
|
2022-11-17
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Auto debt
|
| Date Received |
2022-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11097810
|
2024-12-10
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Westlake Financial Services Attn : Customer Service Account Number : # XXXX Dear XXXX XXXX XXXX I am writing in response to your recent communication regarding my account and the reporting status of the charge-off. The information provided by Westlake Financial is inaccurate and misleading, and I am demanding the immediate removal of the charge-off from my credit report due to multiple violations of consumer protection laws.
In your letter, you stated that my account was charged off on XX/XX/year>, with an outstanding balance of {$18000.00}. However, this information does not accurately reflect the status of my account, and your response is inconsistent with the information provided by the credit bureaus.
First and foremost, I would like to point out that multiple months of reporting have been omitted on my account, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2, which mandates that all information reported to the credit bureaus be accurate and complete. Your failure to report months of payment activity or account status undermines the integrity of the information and violates the law. I have attached documentation showing the missing months of reporting for your reference.
Additionally, the charge-off on your report does not reflect the accurate status of the debt, as it has already been removed from XXXX and XXXX. This discrepancy is not only damaging to my credit score but also misrepresents the true nature of the accounts status. I also wish to clarify that, contrary to your assertion, the debt has in fact been written off and is no longer an active liability. Under IRS Publication 4681 and relevant IRS guidelines, a 1099-C form is issued when a debt is canceled or forgiven, which is the case here. Your refusal to acknowledge this and continue to report the debt as outstanding is unlawful and further exacerbates the damage to my credit.
Under the Fair Credit Reporting Act ( FCRA ), Section 1681i, you are required to conduct a reasonable investigation of my dispute. Your response, which arrived less than 10 hours after my initial dispute, is insufficient for a thorough reinvestigation and does not meet the standards set by law for a proper review of disputed information. This rushed response violates my rights and shows a lack of due diligence in handling disputes in good faith.
Therefore, I demand the immediate removal of the inaccurate charge-off reporting from my account, as it violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : A full and complete reinvestigation of this charge-off as per FCRA requirements.
Immediate removal of any inaccurate or incomplete information regarding this account from my credit report with all major credit bureaus.
Written confirmation of the changes made to my credit report, including the deletion of this inaccurate charge-off, within 15 days of receiving this letter.
Failure to comply with these demands will leave me with no option but to escalate the issue by filing complaints, the Federal Trade Commission ( FTC ), and pursuing legal action to remedy this violation of my rights and the inaccuracies affecting my creditworthiness.
Please check the attached documentation for further details on the inaccuracies, including the missing months of reporting. I look forward to your prompt and lawful response.
Attachments : Documentation of Missing Reporting Periods
|
| Consumer Consent Provided |
Consent provided
|
|
|
8115840
|
2024-01-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
5998072
|
2022-09-20
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
|
| Consumer Consent Provided |
Consent provided
|
|
|
5918818
|
2022-08-27
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5702032
|
2022-06-23
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5698506
|
2022-06-22
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2022-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10305162
|
2024-10-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7258650
|
2023-07-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.
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| Consumer Consent Provided |
Consent provided
|
|
|
7073414
|
2023-06-05
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional add-on products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2023-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11055363
|
2024-12-06
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Complaint What Happened |
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Reporting and Failure to Issue XXXX Account Number : [ Account Number ] I am writing to demand the immediate removal of Westlake Financial from my credit report. It has come to my attention that you have been engaging in unlawful reporting practices, and as a result, Westlake Financial has already been removed from two of the major credit bureausTransUnion and XXXX clear violations of consumer law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations.
I am hereby informing you that you are currently in violation of several consumer protection laws related to the reporting of inaccurate information, as well as your failure to provide me with the necessary XXXX form for the written-off debt.
***Violations of Consumer Protection Laws : *** *Inaccurate Monthly Reporting : Westlake Financial has been reporting inaccurate information every month to the credit bureaus. As per FCRA 1681e ( b ), information furnished to credit bureaus must be accurate, complete, and up-to-date. The repeated inaccuracies in your reportingsuch as incorrect balances, misreported payment histories, or incorrect account statusesare a clear violation of this provision. Your failure to correct these inaccuracies after they were disputed has directly led to your removal from XXXX and XXXX, and I am now demanding the same removal from XXXX.
***Failure to XXXX XXXX for XXXXritten-Off Debt : **** It is my understanding that the debt in question has been written off by Westlake Financial. Under IRS regulations, when a debt is written off, the creditor must issue a XXXX form to the borrower, as this constitutes cancellation of debt and may be considered taxable income. Your failure to provide this form is a clear violation of IRS guidelines and a further violation of consumer rights. By not issuing the XXXX, you are failing to comply with your obligations under 26 U.S. Code 6050P, which mandates that creditors issue a XXXX when a debt is canceled. This failure places me in a difficult position, as I am not receiving the required tax documentation to report the canceled debt.
***Immediate Action Required : *** Removal from Credit Reports : I demand that you immediately remove XXXX XXXX XXXX XXXX and all other credit bureaus reporting this account due to your continued violation of consumer laws regarding the accurate reporting of debt information. If you fail to do so, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies.
***Issuance of XXXX Form : *** I demand that you immediately issue a XXXX form for the debt you have written off. This is your legal obligation under IRS regulations. If you do not provide this documentation within 30 days, I will report this failure to the IRS and pursue legal action for your noncompliance.
Failure to correct these violations will leave me no choice but to seek litigation to hold XXXX XXXX accountable for its unlawful practices. I will pursue all legal remedies available to me, including filing lawsuits for damages under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant state and federal laws.
You are on notice that your continued refusal to comply with consumer protection laws will result in severe legal consequences. I expect an immediate resolution to these issues.
If I do not receive a response to this letter within 14 days, I will take the next step in pursuing litigation to hold you fully accountable for the harm caused by your violations.
Sincerely, XXXX XXXX Key Violations : Inaccurate Monthly Reporting : FCRA 1681e ( b ) : Requires accurate and complete reporting of information to credit bureaus.
Failure to Issue XXXX : XXXX XXXX Code XXXX : Requires creditors to issue a XXXX form when a debt is canceled or written off.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5495353
|
2022-04-25
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11021059
|
2024-12-04
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Termination fees or other problem when ending the lease early
|
| Sub Product |
Lease
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Complaint from XXXX XXXX and XXXX XXXX XXXX XXXX ) Westlake Financial/CULA has held onto lease equity. This greedy money grab hurts millions of consumers pockets all over the country, and only the regulators can force change. Any system that is designed to XXXX the consumers at all cost is a broken system that requires Regulatory intervention.
XX/XX/year> Leased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, payments to XXXX XXXX every 3rd day of each month of XXXX XXXX monthly interest accrue daily. Lease Downpayment and closing cost approx. XXXX XXXX.
XX/XX/year> payment {$410.00} to XXXX for the month of XXXX XX/XX/year> We had a no-fault auto accident and the leased car was totaled.
XX/XX/year> XXXX lease new car another XXXX XXXXXXXX to XXXX XXXX. Monthly payment XXXX XXXX monthly. We have by this date paid {$410.00} ( old lease XXXX payment ) + {$360.00} ( new lease payment starting XX/XX/year> ). In addition, XXXX XXXXXXXX out of pocket + lease payments XX/XX/year> XXXX issues check to CULA {$37.00}, XXXXXXXX XXXX XXXXXXXX lease payoff {$1400.00} in lease equity. Both XXXX and CULA were made roughly 104 % whole. Between CULA and XXXX, they collected the full payoff of XXXX plus the lease equity of {$1400.00}. I asked CULA for the lease equity to offset our out of pocket XXXX XXXX to start the lease, CULA reminded us that they owned the car, therefore that {$1400.00} lease equity was theirs. Lease termination confirmed was backdated to XX/XX/year>.
The issue here that screws consumers is that if we returned the car at the end of the lease and the residual value was below the lease stipulated residual value we would need to pay the difference out of pocket. Consequently, consumers are really hurt when companies CULA are allowed to have it both ways with consumer lease transactions.
We were not at fault for the accident that totaled our leased car, but the only parties that are made 104 % whole are CULA, XXXX and XXXX XXXX. CULA grabbed the lease equity check, while XXXX was paid off. I have another complaint with the credit union regulators against XXXX as they have refused to refund us the roughly {$250.00} excess payment in lease overpayment. Change is needed. We should get the lease equity of {$1400.00} to offset our initial lease payment of XXXX XXXX
You can help millions of consumers like my wife and I.
|
| Consumer Consent Provided |
Consent provided
|
|
