Consumer complaint received 2021-10-01
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation