Consumer complaint received 2023-11-30
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Westlake Portfolio Management LLC is a debt collector who have contacted me, claiming I owe a debt. The first letter that they sent me stated that I had the right to request validation of this debt that they have claimed I owe to them. I exercise my right by requesting validation of this debt within the timeframe that they had to give me which was XX/XX/XXXX. I responded to their letter, asking for any contractual agreement that I may with Westlake portfolio management, where I bound myself to the obligation of this dead. I gave Westlake portfolio management a time frame to XX/XX/XXXX to respond to my letter that I sent them in response to their initial letter within their initial letter and also stated that they must stop collections until they had validated this debt that they claim I owed. They sent me two different letters. One letter was on XX/XX/XXXX. The other one was dated XX/XX/XXXX. Neither of these letters had responded to my request of validation of this debt. These letters only simply stated where to make a payment, and what the amount was. The letters did not show any contractual agreement that I made with Westlake portfolio management to exchange any money for any goods, products, or services. I have continuously reached out to Westlake portfolio to resolve this matter, but they have not been in compliance. I have put them on noticed about the laws that they have been breaking in the crimes that they have been committing but they seem non-remorseful. They have now stolen my car and called it a repossession. I have not given them any authorization to cease my property due to lack of any type of payment. I have never made a payment arrangement agreement with Westlake portfolio management. Prior to the initial letter they sent me I had never heard of this company. I have never done any business with this company. This company has had representatives call me off the record from the compliance department by the name of XXXX XXXX. He told me I couldnt record the call for any proof of anything, so I didnt. However, all of the other phone calls that were made between me and Westlake portfolio management have been recorded within these phone calls. You would be able to hear certain representatives asking for money to release my car from being repossessed and for them not to report to my credit for about XXXX years. There are also recordings of representatives lying to me stating that they dont validate any debt anymore and I told him that by law per my request, they have to validate any debt that they have been claiming that I owe, there is also on a recorded call a supervisor lying to me stating that he could not see the letter that I had sent to them in response to their initial letter. When I spoke to the next supervisor, she told me she could see the same letter that he said he could not do Westlake portfolio management has violated the FDCPA, FCRA, and federal and state statues on fraudulent extortion. XXXX XXXX XXXX stated that they sent me validation on XX/XX/XXXX so I asked for a copy and proof that they sent it on that said date she sent me a letter that was dated XX/XX/XXXX but I had never received that letter and she didnt send me any proof that she indeed sent that letter out on XX/XX/XXXX when I spoke with XXXX XXXX XXXX XX/XX/XXXX he eventually sent over some documents. However those documents did not validate any debt that I owe to Westlake portfolio management XXXX. They also have a finance company. I do not have an account with his finance company when I put my information in, they tell me I do not have an account with them, but I do have an account with their partners Westlake portfolio management , LLC a debt collecting agency. I have not agreed or sign up to have any account with Westlake portfolio management Finance, or Westlake portfolio management a debt collection agency. My contract was with US auto sales finance. Below, I will attach a copy of my contract with US auto sales as well. This contract does not include any information or any notices about any partnership or agreements, or obligation to pay any debt to Westlake portfolio management , LLC. In fact, on page 6 of 6, it states that any changes to this contract must be in writing and signed by the seller and buyer. I will attach 6 different pages that contain my whole contract with US AUTO SALES for my XXXX XXXX XXXX. I will also attach a copy of both letters that they sent me in XXXX that did not respond to my letter which was in response to their initial letter. Those XXXX letters that were sent XX/XX/XXXX and XX/XX/XXXX will show that they did not send validation of this debt per my request. they simply ignored my response to their initial letter in my dispute of this claim. They did not send the necessary information before reporting anything to credit bureaus as they stated they must not do in their initial letter that they sent me. I will also attach a copy of the first letter that they sent me and a copy of my response to their first letter that they sent me. The last thing that I will attach will be the police report that I made for my car being stolen.

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