Product: Vehicle loan or lease

I have requested all payments made to the original creditor US Auto Sales with dates and amounts as well as how my payments were applied to my loan. Westlake Portfolio has yet to provide me with that, they only have a record of the payments made to them since XXXX of XXXX, the vehicle was purchased from US Auto Sales XX/XX/XXXX. Please see the attached proof. Us Auto was/is being sued by the CFPB due to misconduct and I believe I was a victim of this practice. 

CFPB Sues XXXX Servicing for Illegally Disabling Vehicles and for Improper Double-Billing Practices XXXX XXXX XXXX XXXX remotely activated devices that prevented cars from starting, even when borrowers were not in default XX/XX/XXXX SHARE & PRINT WASHINGTON, D.C. Today XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in federal court against auto-loan servicer USASF Servicing ( USASF ) for a host of illegal practices that harmed individuals with auto loans. These practices include wrongfully disabling borrowers vehicles, improperly repossessing vehicles, double-billing borrowers for insurance premiums, and failing to return millions of dollars in refunds to consumers. The CFPB is seeking to obtain redress for consumers and civil money penalties and stop any future violations. 

The CFPB is suing USASF for a range of misconduct, including illegally activating devices that prevented borrowers from starting their cars, said CFPB XXXX XXXX XXXX. Given the rising cost of cars during the pandemic and jump in auto loan debt across the country, the CFPB is working to root out illegal activity in this market. 

USASF is an auto-loan servicer headquartered in XXXX, XXXX. USASF serviced auto loans that were originated by an affiliate, U.S. Auto Sales , Inc., which was a buy-here-pay-here auto dealer and lender with XXXX dealerships in the XXXX. USASF offered both Guaranteed Asset Protection and collateral-protection insurance, which are products that consumers can buy when they buy or lease a car. In XX/XX/XXXX, XXXX XXXX XXXX wound down most of its businesses. 

The CFPB alleges that USASF : Illegally XXXX cars : Many auto lenders require that cars are installed with devices using GPS technology that allow the lender or servicer to prevent a borrower from starting a car. These devices are known as kill switches or starter interrupters. USASF incorrectly XXXX vehicles at least XXXX times and caused these devices to play warning tones in vehicles over XXXX times during periods when the consumer was not in default or was in communication with USASF about upcoming payments. USASF remotely XXXX vehicles at least XXXX times after explicitly promising consumers it would not do so. 
Failed to refund premiums to consumers : USASF offered consumers Guaranteed Asset Protection, which covers some of the difference ( or gap  ) between the amount a borrower owes on their auto loan and what the car insurance will pay if the vehicle is stolen, damaged, or totaled. When consumers paid off their loans early or USASF repossessed a car and charged off an account, consumers were entitled to refunds of any Guaranteed Asset Protection premiums paid in advance for periods where they would no longer have coverage. USASF failed to obtain millions of dollars in refunds from the Guaranteed Asset Protection XXXX. 
Double-billed consumers and misapplied payments : When consumers were enrolled in collateral-protection coverage by a USASF affiliate, they were also charged for that same coverage by USASF. Approximately XXXX consumers were double-charged for the insurance each billing cycle, in some cases for over a year, costing consumers millions of dollars. USASF also wrongfully applied consumers extra loan payments first to late fees or collateral-protection insurance instead of accrued interest. This misapplication of payments caused consumers to pay over a XXXX  dollars in interest and fees that they would not have paid if USASF had correctly applied their payments. 
Wrongfully repossessed vehicles : USASF illegally repossessed the vehicles of some consumers who never qualified for repossession or had taken action to stop the repossession. In some instances USASF sold the vehicles that it had wrongfully repossessed. 
Auto loans are the third-largest category of outstanding consumer debt, after mortgages and student loans. In recent years, the cost of vehicles has risen substantially, leading to increased borrowing. The CFPB has increased its monitoring of the auto lending market, and has taken action against auto finance companies for wrongful repossessions, poor credit reporting practices, and misrepresenting the cost of credit.