Consumer complaint received 2023-12-01
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
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.

Company response to consumer: Closed with explanation