Consumer complaint received 2020-07-06
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I XXXX XXXX filed a complaint with the cfpb regarding Wilshire consumer and Westlake services LLC complaint number XXXX - XXXX regarding a title loan with deceptive and predatory loan turns they charged he's an interest that was not expected or properly explained at the time of a loan after 3 months of payments on a {$2500.00} loan making two {$350.00} payments and one {$290.00} I realized none of my payments were going towards the principal and my balance was going up instead of down I contacted them found out that I had him a victim of a predatory loan I then went and tried to get another loan to pay off this loan to minimize my damages I was told that I could not get a loan because I already had a loan for {$10000.00} out which was not the truth so they not only tricked me into a predatory loan but then they placed it on my credit as if it was a {$10000.00} loan making it impossible for me to get another loan to pay off their loan minimize my damages and get my truck back my XXXX XXXX XXXX what is value between {$8000.00} and {$10000.00} at the time of the {$2500.00} predatory loan it was an excellent condition brand new tires and rims expensive {$800.00} stereo system Insurance tags registration everything was up to date I was in full compliance with the term other loan about five months into the loan I become injured at work I contact Westlake Wilshire consumer because they stay in their paperwork if you have any trouble anything happened please contact us and we will work with you so I contacted them I let them know that I got injured at work. I'm currently waiting for my workman 's compensation  and which will be in in a couple like two weeks and I'm going to be late on my payment within two weeks a me telling them this they came and they trick my truck added a whole bunch of other Towing fees storing fees unnecessary items knowing full well that I was injured I would contact them that I was going to be getting my workman 's compensation and I planned on getting up to date with the payments which I was only like one behind like a week they make it seem like it was more but it wasn't besides that's just wrong when you contact a company and you try to work with them and you be honest you're in full compliance and berries XXXX you into a predatory loan in the first place they shouldn't come in robbed the consumer to Well then they claim that they sold a {$8000.00} excellent condition all tags paid smog compliant everything truck for {$1100.00} I don't believe it I've been to these auctions and the better Vehicles they do not let them go cheap cheap cheap flight. my other truck that I had to sell it auction that wasn't even as good a shape went for {$6000.00} I don't believe they sell my truck for that well to top it off after I file my complaint they responded to the complaint with itemized billing statement that states that after everything was said and done according to them after they took my truck I still owed {$2900.00} on a {$2500.00} loan that I had made 3 full payment and they took my vehicle valued at at least {$8000.00} but after I filed the complaint they deducted in their answer they deducted. The {$1100.00} that they supposedly so my {$8000.00} check for which left me with a balance of {$1900.00} that they said they wrote as a charge off I've been looking at the papers more closely now I noticed they did tag on some other bees but it looks as if it all comes up to the {$1900.00} They wrote as a charger well dated XX/XX/XXXX XXXX XXXX XXXX XXXX mail me out a letter stating that I owed Westlake Services LLC the balance {$2900.00} which is the original amount that they were trying to say that I owed before they did the charge off I was willing to just let It Go understanding that they do not care about their consumers they are out to harm and Rob for their own benefit anybody that crosses their path that falls for their predatory deceptive practices but then I received the bill from XXXX XXXX XXXX XXXX I'm not surprised because they continue to deceive use deceptive practices treat people cruelly and engage in predatory loans activity that harms consumers I would like to make this complaint very clear 2 Wilshire consumer AKA Westlake Financial Services LLC and XXXX XXXX XXXX XXXX I was trapped into a deceptive predatory loan I paid close to a thousand out of my own pocket I followed all of the guidelines I kept my insurance up I paid my tags and registration which on that truck was {$350.00} for the tags alone I kept the maintenance up the truck was valued at over {$8000.00} in excellent condition you took my truck when I got injured the minute I I notified you of this you came and you took my truck from me at the worst possible time I couldn't even get back and forth to my doctor 's appointment you showed no kind of consideration concern or any shame for your predatory deceptive practices that harmed me then to top it all off you can not leave well enough alone you have already robbed me for my prized possession you've gotten money from me you kicked me when I was down and now you actually think that you're going to put {$2900.00} on my credit stating I owe you when it's more than the actual original loan you can't even honor your own statement and I noticed how you place your answer on the consumer Bureau complaint that I signed it and agreement I never signed anything the only thing I agree to is that you guys are Crooks you should not be allowed to be in business and the clown people the way that you do

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