Consumer complaint received 2017-11-29
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made to XXXX finance this year! The only payments not attached is XX/XX/XXXX which was paid via money gram. XXXX HAS VERIFIED THAT THEY HAVE THAT PAYMENT. This company will constantly accuse you of not paying so KEEP ALL OF YOUR STATEMENTS AND RECEIPTS they gave me an extension which waived my payments for XX/XX/XXXX and XX/XX/XXXX.  but then said i never had an extension and never paid. Again i kept my proof their rep XXXX who is suppose to be a supervisor the most unprofessional supervisor i ever came across her and XXXX. told me that my payments that I'm assuming are missing went towards XX/XX/XXXX payment. XX/XX/XXXX and XX/XX/XXXX were waived. 
I'm passed frustrated at this point I'm feeling as though my money was stolen. Ive been accused of not making any payments. This vehicle has been nothing but a headache. There has been nothing but repairs needed for this vehicle. The dealer intentionally sold me a vehicle that was not state inspected that they knew needed repairs as the result there is a pending law suit. XXXX accused me of lying about that. I submitted documentation from the courts regarding the law suit. I have submitted documentation from the motor vehicle administration which outlined that she did not have any inspection documentation. I have done everything that i am suppose to do regarding this vehicle.Ive given them everything. Yet today XX/XX/XXXX XXXX told me that i still had to pay what i paid over I have risked losing my home, I have risk going into default with bills, so that this vehicle could be repaired and paid for. Yet I have received nothing but disrespect from your representatives. I am finally fed up and frustrated I have submitted a complaint and submitted all documentation to the Better Business Bureau, the federal Trade commission as well as the Consumer Financial Protection Bureau. 

It is inexcusable that anyone paying over {$450.00} a month should have to do contact repairs on their vehicle. The average consumer who is dealing with claims of missing payments and constant vehicle repairs would just absolutely stop paying. I did the opposite I continued to not only pay the car note but tried my best to complete the repairs no matter how at risk it put me. 

I will contact the attorney who is assisting myself as well as others in the lawsuit against XXXX ( the dealer in which i purchased the vehicle ) to see if she can give me information on how I can legally get out of this vehicle based off the lawsuit against XXXX and the motor vehicle administration stating that XXXX did not have proper documentation to sell the car. The only payment i owe is XX/XX/XXXX therefore that will be the only payment i will make. 

XXXX can financial has not reported the vehicle to credit bureaus. Only one shows the account. I have made a total of 12 payments on this account yet my balance only reflects 2 payments. XXXX XXXX has stated that they have notreceived payments and reported late payments to the one credit agency they report to t which has dropped my score. Im sick of it. I have my bank statement showing proof yet they keep reqesting me to pay the notes over. This is a crooked company

Company response to consumer: Closed with explanation