Consumer complaint received 2017-10-06
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I signed for my boyfriend at the time to get a loan for a XXXX XXXX XXXX on XX/XX/XXXX. My boyfriend at the time was making the payments every month as assigned i was the cosigner, until i was going to make a payment over the phone in XX/XX/XXXX or XX/XX/XXXX payment XX/XX/XXXX and was told that my account was being reviewed at the moment by the state of mass all of the mass accounts were. I guess they were being sued. Therefor I was told i did not have to make a payment until they finished reviewing the accounts. So I found it odd but i went with it. I called again just to verify it was not going to hurt my credit. I asked for something in writing and they could not send me anything i had to call several times until i got a letter stating they would not report anything to the credit bureaus. Anyhow in XX/XX/XXXX they started to send the bill to start paying, but an emergency had came up with my boyfriend at the time not being able to pay for the car because he had to leave town for about a year for an emergency. I then called westlake to voluntary surrender the car, they took very long to come get the car maybe about a week or 2 not sure can not recall much from now. They did not have specific date to get it they said. finally picked up the car. The issue is that he only had the car for a year until i surrendered it voluntary. they sold the car for {$730.00} for a car that I financed {$8000.00} k plus and only had the car for a year. It does not make sense at all so now i have a debt of $ 5k plus on my credit report and it is still showing open. mind you i surrendered it in XX/XX/XXXX. I called them every week after I received the letter stating that i have a balance of $ 5k plus which i truly believe it is unfair to me as a consumer. They are ripping me off not only me but others as well. That is why the state of mass was on their case. They want me to pay for a car that was unfairly sold at a price that is uncalled for. I kept calling them and they never seem to know anything about it. I kept asking to speak to a supervisor and they were never around. One time they asked for my number so that a supervisor would call me back and i never received the call. I then told them they are ripping people off they dont know how to treat people or answer to people but to take their money. Then they sent my account to collection when i received a letter from the collection agency right after the last call, but in the mean time they still have my record and never reporting appropriately to my credit report. My credit report still showing i owe all that money. I believe I should not have that huge balance remaining after all that trouble and not being able to communicate with manager or supervisor at all times. They never knew anything. Horrible customer service. XXXX XXXX XXXX sold for {$730.00} is ridiculous. I will not pay for this and or I will take this to court like I told them on the phone. They treated me very unfairly. They also did not have paperwork of the car being sold at that amount when i asked them. They never returned calls. That is when they sent my account to collection. Please help us consumers doing the right thing when Financial institutes are taking advantage of us. I do have rights.

Company response to consumer: Closed with explanation