Consumer complaint received 2018-03-07
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
To Whom It May Concern, Westlake Financial apparently bought the car loan for the XXXX XXXX XXXX I purchased from XXXX XXXX XXXX which is also known as XXXX XXXX XXXX ( both entities are owned by the same person ). I purchased the car on XX/XX/XXXX. I did not receive a copy of the contract when I purchased the car. Shortly after, I became ill and required the assistance of my mother to assist me with my finances. My mother made the initial payment using her debit card in XXXX or XX/XX/XXXX. When I was able to take care of my own finances, my mother questioned me about the loan terms of the loan and asked for a copy of my contract. So, we ( my mother and I ) contacted Westlake Financial ; requested a copy of the original contract, on or about XX/XX/XXXX. We were informed by a female representative, I would receive a copy of the contract via email within 24-48 hrs. After I did not receive the contract, I contacted XXXX XXXX XXXX and requested a copy of my contract. To this day, XXXX XXXX XXXX, also known as XXXX XXXX XXXX, has not given me a copy of the requested document. We intentionally did not make a payment from XX/XX/XXXX through XX/XX/XXXX because we were waiting to receive the document I had requested ( contract ). My mother and I decided to call again and spoke with another Westlake Financial representative ( male ) on XX/XX/XXXX. We requested a copy of the original contract, once again and informed him this was the 2nd request for a copy of the contract. He assured me he would send a copy of the contract via email if I agreed to make a payment. He also informed me, there was a repossession order in affect due to none payment. My mother made a 2nd payment with this same representative on XX/XX/XXXX using her debit card. We still did not receive a copy of the contract but instead, a copy of the buyers order was emailed. Upon viewing the buyers order, I noticed there were 2 e-signed signatures on the last page and e-signed initials. I also noticed the terms on the buyers order were not the terms I agreed upon when I purchased the car from XXXX XXXX XXXX. I began to call XXXX XXXX XXXX to question what happened and why was the buyers order different and also requested a copy of my application and original contract. I still have not received the documents. On XX/XX/XXXX, I made a payment by contacting Westlake but turned around and cancelled the payment within an hour, after speaking to my mom and she informed me, XXXX XXXX XXXX nor Westlake Financial had sent me a copy of my original contract that I requested around XX/XX/XXXX. On XX/XX/XXXX, my mother and I contacted Westlake Financial and demanded a copy of the original contract and a copy of the original application. We informed a female supervisor at XXXX XXXX, this was the 3rd request for a copy of the contract. She apologized for the inconvenience and immediately sent a copy of a contract via email. Upon viewing the contract, I noticed there were singed signatures on the document. I am furious because this is not the document I signed when I purchased the car plus someone forged my signature with an e-sign signature! My question is why did Westlake Financial purchase the loan without a document that contained my original penmanship signature? My rights have been violated as a consumer!

Company response to consumer: Closed with explanation