Consumer complaint received 2021-02-25
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I obtained a car loan XX/XX/XXXX with XXXX XXXX  who is located in XXXX, FL, through the car dealership, XXXX XXXX XXXX in XXXX, FL. The financed amount of the loan was {$18000.00}, with a XXXX XXXX annual percentage rate. Total of {$32000.00}. 
In XXXX of XXXX, I received a call regarding my payment from a Westlake Portfolio Management. Not knowing who they were, I refused to make a payment, until a letter was sent notifying me that they were now the loan holder. From XX/XX/XXXX until XX/XX/XXXX, all payments were made to Westlake. The copy of the payment history provided to me by Westlake Portfolio does not show how my payments were allocated from XX/XX/XXXX through XX/XX/XXXX. In fact, the principal balance actually went up during the month of XX/XX/XXXX even though I made payments totaling {$1700.00} just in that one month. 
I received a notice XX/XX/XXXX that the amount due on my car loan was {$4200.00} due by the XXXX of the month. When I called Westlake Portfolio to question the amount, I was advised that was what was still due on the loan even though my final payment ( XX/XX/XXXX ) of {$420.00} was to be made XX/XX/XXXX. 
When I asked Westlake Portfolio for a copy of my payment history, they can only provide details on the payments made to them. The payment history from XX/XX/XXXX - XX/XX/XXXX, only shows the amounts I paid, not how the payments were applied to the loan. There are several inaccuracies with both the payments and the " principal '' amount that Westlake Portfolio assumed.

I have verbally and in writing requested that Westlake Portfolio Management provide me a breakdown of the payments made, to no avail. They have been sent a certified, return receipt request letter of dispute and based on the date it was signed for ( XX/XX/XXXX ) they have until XX/XX/XXXX to respond back to my requests for proof of the debt and amount due. I also sent a second certified, return receipt request letter of dispute on XX/XX/XXXX, which is scheduled to deliver on XX/XX/XXXX, Westlake Portfolio called me today XX/XX/XXXX to advise me that my account is now 40 days past due. I advised the customer service agent that they were NOT to call me regarding this debt, that they " Westlake Portfolio Management '' had until XX/XX/XXXX to provided me with the requested information, per the letter that was delivered and received on XX/XX/XXXX. 
I am asking for a breakdown of all payments made to this loan account from XX/XX/XXXX through XX/XX/XXXX. At this point, I feel I do not owe anymore on this account. It has been paid in full. I would also like to know why my car loan which was in good standing at the time it was transferred to Westlake Portfolio, is with a " collection agency '' now. 
I have filed complaints with XXXX of Florida & California and The Florida Office of Financial Regulations. I have also consulted with XXXX Legal Aid regarding this issue.

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