Consumer complaint received 2018-03-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi there, I purchased a XXXX XXXX XXXX from a used care dealer here in XXXX florida, They got me financed through a company by the name of Westlake Financial with a ridiculous Interest rate but I didn't care as I planned to pay the car off within the first year. Well that didn't happen because the place that sold me the car sold me a car which they swore up and down didn't have any issues with it at all and come to find out within 2 months I had to spend {$4500.00} dollars on a new/used transmission , Drive Shaft, And a bunch of other things that were wrong with the car so the money I had put aside to pay off the car went out the window. 


I kept up with payments and I fixed the car and got it to where I wouldn't have any issues with it for a long time. A few weeks after getting the car back I had it parked outside of a restaurant in downtown XXXX where a young drunk driver ran a red light and couldn't make the turn which in result ended up with my car getting totaled. 

This happen on XXXX XXXX, I was XXXX but the girl had full coverage insurance and I knew I had gap coverage so I wasn't worried about the car getting paid off and then I could get something else within a little bit of time after I saved up for another down payment. 

I notified my auto load company of what had happen and made sure they were aware, I was told by them I was not responsible for any payments after the date of loss which was on XX/XX/XXXX after about 3 weeks I went to meet with the girls insurance company to get my settlement check taken care of, They paid out {$5800.00} roughly towars the load amount which was for about {$7300.00} total at this point. The gap coverage paid about another {$1400.00} something dollars towards the loan which left me with almost nothing as a balance. 

Well comes to find out once the gap and everything got taken care of they told me that I owed them for XXXX, XXXX, XXXX for the payments I missed, I explained to them I was not going to pay for payments on a car I no longer had and that was deemed a total loss by the insurer of the person who wrecked into my car, Not to mention they already had a {$5800.00} check from the person insurer already at this point and they were waiting for the gap which was in house and they were also getting the {$1400.00} something dollar check from that to cover the loan amount, which left me a balance of like {$300.00} which I was prepared to pay if they would close my account and remove these bogus late fee payments which were reported to my credit. they refused and have been reporting me every month again and again and ruining my credit. They got {$7100.00} roughly of a {$7500.00} loan for a car that was worth way less than that and yet they are still trying to scam me out of more money. 


This is not a fare practice and they should be investigated, The next complain I will be making is going to be the Florida State Attorney General on this company. 


My credit score went from a XXXX to less than a 450 all because they are trying to scam me for more money. Please I need help resolving this issue

Company response to consumer: Closed with explanation