Consumer complaint received 2023-10-24
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
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.

Company response to consumer: Closed with explanation