Consumer complaint received 2023-06-19
Company: Westlake Services, LLC
State: KY
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 had my auto loan financed through XXXX XXXX XXXX XXXX. Apparently, they filed bancruptcy and didnt bother to tell me anything about who I would be financing through or anything at all. I had my payment automatically taken out of my bank account of arount {$250.00} every two weeks. I'm not sure about exactly when they stopped taking my payment out because without fail, the money would come out of my account. I had to reason or time to check every month because I worked 2 jobs and no time to look or notice anything in regards to my banking account. I tried to reach out online when I got something in my email from Westlake Financial stating that my statement is ready. Nothing was on the statement or in that email and I replied to stop sending me spam, I dont know who Westlake is and I certainly do not owe them money. Still no response. Then a tow truck backs into my apartment complex and takes the car, again no call or acknowledgement and no knock on the door, nothing ; I almost called the police and something told me to check to see if my payments were coming out. At that time is when i knew nothing had been taken out. I've done some research about this place to try and find a phone number to reach out to and the one listed states it is not a working number, I must say, I see now why I never as much as got a call, letter, no emails other than the one I got, NOTHING. I paid my car payment on time everytime before this situation occured and not one payment has been or was late. It was my one chance to improve my credit score. 

On XX/XX/2015, Westlake was sued for " lying to their customers and improperly disclosing information about the borrowers '' That was a hand written statement by XXXX XXXX, CFPD director. ( P ; ease see attached ) With that being said and including my situation, I feel like a certified letter would have been a more sufficient way to conduct business as oppose to email. So, the email I thought was spam because they never did reach out to me and now have taken my car is also deciept. Because of this, I have no transportion and my credit is ruined from getting another one. I am also leary of reaching out with a deceptive reputation that they have. 

Apparently that lawsuit has taught them nothing and they are still very deceptive. I think they need to bring my car back and conduct a fair and reasonable business by contacting people either by certified mail or signature or something then come and take the car without enough decency to go to the door and let someone know what in the XXXX is going on. This is absolutely ludacruis and unethical. 

Please, please advise if I may be wrong here and just upset on how everything turned out after reaching out to them and still nothing to taking my car. If nothing can be done, please explain to me how this is in any way ethical and professional. Thank you for your time in regards to this matter.

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