Consumer complaint received 2023-10-26
Company: Westlake Services, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am wanting further investigation into Wilshire consumer response on how they inaccurately charged me for late fees and reported a late payment from XX/XX/XXXX. I previously had a complaint with this company about how are they are constantly providing contradicting information.. On XX/XX/XXXX Wilshire submitted a response to the CFPB and that response further indicates my complaint about them to the CFPB. They submitted my account as being late for XX/XX/XXXX how ever in the records that Wilshire sent They sent a payment history and it states The last payment made to my account was on XX/XX/XXXX and that payment cleared on XX/XX/XXXX as a consumer why am I being faulted for their bank not clearing the check until XX/XX/XXXX?? How is this the consumer fault that their banks takes time to clear guaranteed checks On XX/XX/XXXX their records you have and I will also attach, stated they received a check from total loss insurance for {$7700.00} on XXXX/XXXX/XXXX from XXXX insurance which paid the account In full..I spoke with XXXX on XX/XX/XXXX and she stated the check came certified mail and was a cashiers check. A cashier check is a check guaranteed by the bank so it can not come back as insufficient funds when you write a cashiers check it puts a hold on the banks account for that amount until that check is cashed. They are stating on XX/XX/XXXX in the documents they sent they stated they received a check for {$7700.00} from XXXX insurance with insufficient funds however on XX/XX/XXXX they are reporting a XXXX balance on this statementhow can I have a XXXX balance if they are stating the check had Insufficient funds on XX/XX/XXXX?? They are not reporting things accurately or providing the consumer or bureau with accurate information they inaccurately charged my account excess {$30.00} for insufficient funds. On XX/XX/XXXX and late fees!! A cashier checks are funds to hold and guarantee until its clears. They are stating the check cleared on XX/XX/XXXX which is not me the consumers fault once Wilshire deposits a cashiers check that is guaranteed by a bank funds are available depending on their bank not mine nor XXXX it is on Wilshire consumer bank to release the check to Wilshire.. they can not report on every document that they sent that my payments were received on XX/XX/XXXX by a cashier check from XXXX and still charge a insufficient fee because their bank had not cleared the check yet.. this is defamation of character and it has reported negatively on my account and I was charged and excess amounts of unnecessary late fees and insufficient fund fee further more on the payment history they sent it states XX/XX/XXXX i XXXX XXXX did not have a balance how can they accept a check on XX/XX/XXXX and report on my payment history that on XX/XX/XXXX that I did not have balance!!! Yet report to the credit bureau that im late!!! These records came from Wilshire consumer!! I would like these late report removed from my credit all together.. and I would like a refund for the insufficient payment charges to my account and I would also like that late fees refunded to me as well.. this is in accurate reporting.. I also called on XX/XX/XXXX and spoke with another representative who stated my account for XXXX is listed as closed and not late!! But they reported this credit bureaus as me being late but they accepted a verifiable insurance payment on XX/XX/XXXX and continued to charge excess fees and I would like my money back and I would like XXXX payment to be marked as paid on time this company has stressed me out so bad by marking this payment late as trying to buy a home it is very frustrating to see a company trying to take advantage of consumers.. if they did not receive a payment on XX/XX/XXXX they needed to correct their records and stop sending false information. This company doesnt want to delete this late payment out of good faith and refuse to refund late charges they did not want to work with helping consumers at all!! The records they are keeping isnt reflecting what they are reporting doing to consumers. I just asked that someone look into their records further and have them explain why their records are reporting one thing and are saying another. They should not be reporting any transactions to any credit bureau without my consent!!!! This is illegal 15 US code 1681A titled definitions rules of construction paragraph two of this title is titled exclusions and SUB paragraph A and subsection i state that transactions are not included in the consumer report Ive attached proof that they illegally reported these items to my credit bureau but they cant supply and proof that I gave them permission to report my transactions to any bureau.. They also unethically charged me late fees

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