Consumer complaint received 2023-05-05
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I lease a car from American Car Center and American Financial on XXXX XXXX. Upon leasing this vehicle I gave a down-payment of {$750.00} and two more payments totaling {$500.00}. I gave them {$94.00} for registration and plates. I never received the registration nor the plates. My temporary plates have expired. I have been pulled over by the police. I called american Car Center and they told me it didn't come in yet. Two weeks went by and I reached out again. There was no answer nor anyone there. I found out through the media that they abruptly went out of business. In the lease agreement on page 4 number 39 it states any changes in this lease must be in writing and sign by the Assignee. I never received anything in writing nor a phone call. American Car center abandon the contract as well as the property. About 35 days went buy and a collection agency ( Westlake Portfolio ) calls me stating they took over the contract. Why I'm in collections I am not behind in the agreement. American Car Center states they don't share information with non affiliates. I am not affiliated of Westlake Portfolio or have I ever went in contract with them. American Car Center has violated my right as consumer. In accordance with the Fair credit act 15 USC 1681 states I have a right to privacy. Now this collection agency is calling me for payments. In fear of losing my car i started making payments to this company who i never had a contract with. I sent them a few payments. I ask them to show me a contract. They dont have one they have the contract that American Car Center gave them. They have not yet to this day sent me any paper work on how they are the owner of the contract. When there is no longer contract because American Car Center breach the contract. I also called ask Westlake Portfolio for a debt validation letter and i never receive one. This is a breach of contract for Westlake just as well. In my agreement with American Car Center they agreed to give me one year warranty. Westlake claim they have rights. If you have rights your responsible for whats in the contract. Westlake Portiflio who took over the contract states they will discontinue the warranty. This is also a breach of contract. I ask Westlake Portiflio who responsible for registration and plates. They promise when they contacted me they will find out. I still havent heard anything. But constantly calling me about payments. I can not register the vehicle or get plates. I have tried numerous times. I have been stop by the police because of this. My temporary plates have expired. I have been pulled over by the police. I constantly have to carry my receipt of the agreement on the registration and plates. Everyday i drive i live in fear of going to jail. Its very traumatizing. This also a breach of contract. Under Tila law I have been violated by American Car Center, American Financial and Westlake Portiflio.

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