Consumer complaint received 2023-08-30
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American car center sold my debt to westlake without my knowledge. The car westlake has a contract for is a XXXX XXXX fusion. The car they repossessed was a XXXX XXXX XXXX. Both came from American car center but due to mechanic issue i gave American car center the XXXX  back and got the XXXX. Westlake repossessed my XXXX and they couldn't validate the debt that i requested. This illegal repossession has cause me all lot of stress and XXXX. I haven't been able to sleep, i lost today wages because i wasn't able to get to work and this have caused me to be embarrassed. I had to call several because i was been hung up on when i was asking for information concerning my account. I was also denied information.below is the documentation I sent to Westlake Management Portfolio. I sent a certified letter on XXXX and a email as well the information listed below. 

Westlake Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, CEASE AND DESIST Pursuant to 15 USC 1692c . ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 

I am writing in response to a communication I received from your company regarding an alleged debt associated with the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to formally request validation of this debt and obtain the required proof of signatures. 

As a consumer, I have the right to verify the legitimacy of any debt claimed against me. Accordingly, I am requesting that you provide me with the information and documentation necessary to validate the validity of the alleged debt. In accordance with the relevant consumer protection laws, including FDCPA Section 809 ( b ) and FCRA Section 611 ( a ), I am seeking the following : 1. Verification of the debt amount, accompanied by a detailed breakdown of any charges or fees associated with it.

2. Identification of the original creditor, along with their contact information.

3. Copies of any contracts, agreements, or other documents that establish the existence of the alleged debt.

4. Proof that Westlake Portfolio Customer Care has the legal authority to collect the debt.

5. Details of the last payment made on the account, including the date and nature of the payment.

Furthermore, I am specifically requesting copies of any documents that contain my signature, demonstrating my agreement to the terms and conditions associated with the alleged debt. This is crucial for verifying the accuracy and legitimacy of the debt claim.

Please be aware that my request is in accordance with FDCPA Section 809 ( a ) and FCRA Section 609 ( a ). Therefore, I expect a response within 30 days from the receipt of this letter. Failure to comply with my request may result in a violation of my rights under these consumer protection laws. 

Your prompt attention to this matter is appreciated. I am looking forward to receiving the requested documentation within the stipulated timeframe, which will facilitate the resolution of this issue.

Company response to consumer: Closed with explanation