Consumer complaint received 2022-01-13
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Westlakefinancial.com & wilshireconsumer.com gives people an opportunity to get help by providing credits when other does not. That is a big thank you to both companies. 

But when is about the business practices, seems like they are taking advantage of the people by misleading them with the amounts of money they own ( users ). 

In their webpage it is possible to check your balance but if you do not click in the right place, someone might get screwed up. In the same webpage they have three different balances, its impossible to know which one is the right one. 

Yesterday I was decided to payoff my account and when checking my pay off balance it says XXXX number. So I went to the process of paying using their website/online tool, but when I typed the full amount it did not allowed me to process it. Their paying online system only allowed me to pay an slightly smaller amount than the " pay off balance says '', it was about XXXX dollars difference. So I paid the full amount possible which was the full balance in my account balance, and when checking my balance is says XXXX. 

An hour later, I went to the chat to ask for help to check my balance, because in one of the screens says that I owned XXXX cents. ( today, a day later is XXXX cents ). the chat person told me that I should not worry, because I do not own more and that my paid off letter will be sent in matter of days, and that the cents I own will be waived. 

Unfortunately I lost the chat text file, which I saved for this exact purpose, to expose their bad business practices. 

Today out of curiosity, again when checking my balance, it says XXXX, when checking in another screen is XXXX cents and when checking IN ANOTHER screen is XXXX dollars. 

What would have happened if I do not check by phone again? Months later I will be screwed up because the XXXX dollars will be exponentially increased. 

I think its a cheating practice what they are doing. This is not a regular mistake, they are miss leading people, confusing them and I am pretty sure that their good will is behind other dirty utter motives. Bad business practices hurts peoples pockets at the end, is like taking advantage of the needs of others. 

Using computer systems is not a complicated business for a multimillionaire company, they can not tell that its impossible to add the paid off balance when someone is trying to full fil their financial obligations with them using their online systems. 

On top, there ARE NOT banners or messages telling you that if you want to pay your final balance YOU MUST CALL THEM BY PHONE and provide them again all your information in order to pay off your credit, that is another bad business practice from XXXX XXXX XXXX and XXXX XXXX XXXX. 

I think that this should be a XXXX XXXX XXXX against this two companies for using those kind of practices.

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