Consumer complaint received 2023-04-11
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To begin, i have contacted Westlake financial LLCs. at the beginning of my loan terms ( XX/XX/2022, ) about a dispute i had with the dealership starter cars of XXXX raising my sales price on the loan paperwork, i was brushed off multiple times by customer service representatives but continued to make my payments while i researched potential remedies. After less then 6 months of my loan terms i had another dispute with Westlake that i had emailed and called multiple times about for another dealership fraud issue which pertained to me and my family 's safety with the vehicle and its ability to pass state inspections under the FCRA, they again ignored my requests until i raised XXXX and asked to be contacted by their legal department immediately. days later i received a email from a attorney XXXX in legal asking for information on my legal counsel or if i wished to represent myself when i then directed them to my attorney. since then i have received multiple calls per day for a few weeks as well as threats to repo the vehicle which i no longer had possession of the garage that completed the safety inspection and affidavit had to retain possession by my understanding and with two separate customer service reps clearly stated deferred payments were agreed upon until this problem was resolved. Since there has been little communication from Westlake other than contacting my attorney for more documents to bolster their case vs. starter cars dealership. Since then my attorney has reached out multiple times via calls and emails for a status update as well as remedies for the incorrect and negative information they are furnishing to the credit agencies. now with over 1.5 months still no returned contact from Westlake on said issue. with repeat disputes to the credit agencies they have provided false payment information showing excess balances as well as paid months i have not made, my last payment was in XXXX, 2022 due to the legal arbitration in XXXX along with the agreement of deferred payments by the service representatives. On my credit reports they are showing 2 extra payments one for XXXX $ which i did make due to harassing phone calls about payments. as well now reporting my late payments to the credit agencies id dispute then brought current then again tacked on another late within less than 5 days. then again brought current then 60 days late, now to the 90 day mark they have completely screwed my life up when ive been in the process of obtaining a mortgage loan to buy a home with the mortgage terms needing 12 months with no missed payments I'm now fu**ed as well as my family when ive had perfect payments for over 4 years. Also locked me out of my loan account from making payments is that legal? so now not only were they screwing me personally but now the well being of my family as well. And with their legal requesting the mechanics who reported the issue to hold possession of the vehicle i have had to obtain another vehicle with less than suitable financing and a co-borrower to be able to do my job and make income for my family this is complete XXXX XXXX this company gets away with they need shut down! over XXXX CFPB complaints and still rising daily and still getting away with ruining peoples lives!

Company response to consumer: Closed with explanation