Consumer complaint received 2022-10-26
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX XXXXXXXX XXXX account : XXXX To whom it may concern, I XXXX XXXX have sent in multiple correspondences and placed multiple phone calls ( XX/XX/XXXX XXXX. being the latest ) to Westlake Financial in regards to this fraudulent claim that I owe a balance due of {$200.00}. This account was closed settled in full XX/XX/XXXX. Westlake Financial received the full payoff settlement offer and the Lien was released from the Michigan title clean and clear for this vehicle, hence further validating that all obligations had been fulfilled with the last payment of the payoff settlement offered to me as a one-time full loan payoff. I do not owe a balance at all to Westlake Financial. I have spoken with multiple customer service representatives at the company to explain this situation and demand financial documentation ( monthly statements, 1099-C, tax records and documents, billing invoices, and account ledger ) to validate this alleged debt. I have spoken to XXXX XXXX, XXXX XXXX, XXXX, and I have been waiting for over 4 weeks for a return phone call from the supervisor XXXX XXXX to discuss clearing these matters to remove/delete this false information being reported to my consumer report. All of the representatives I have spoken with have said they would put the account in for review but I have yet to hear back from anyone regarding this illegitimate fraudulent debt which has still been reporting to my consumer report causing great irreparable harm to my XXXX score and personal financial image. 

Every Customer service representative I have spoken with has refused to send me validation documents, denying me my right to verify this alleged account and the said balance due. The representatives have even said that this account had been discharged included in my bankruptcy judgement from XX/XX/XXXX. I have asked for proof of this, requesting 1099-C for this discharge of debt and other tax documents. I have been coerced into making payments with mailers and monthly statements even after this account was discharged and charged off through bankruptcy. Which Im totally aware of is against the law! These payments made were not voluntary being that Westlake financial has always stated that a balance was due and never made me aware that the account had been closed, charged off, or discharged via bankruptcy. Monthly statements were still sent out, phone calls requesting payment were still made to me, and my online account was consistently updated with notices to pay, late payment fees/ notices, and updated balance information after payments. My bankruptcy judgement was entered XX/XX/XXXX Westlake continued to coerce me into and accept payment on an illegitimate debt that had been discharged in bankruptcy for a year up until XX/XX/XXXX in which was the last payment made for the one time payoff settlement offer was paid and the loan had been totally fulfilled or so I thought. Im not aware where the {$200.00} balance is from at all being that the payoff offer was fulfilled totally or this account was charged off in bankruptcy!!? There are consumer protections in place to protect the natural person from this type of predatory illegal activity, this misinformation being reported is causing me to be denied of credit, denied for housing, and employment. Westlake Financial has an obligation to report ONLY accurate, validated, and verifiable information to the consumer bureaus per FDCPA, FCRA. Westlake Financial has continued to dishonor and undermine these acts, laws, rules and regulations. Nobody/company is above the law, Westlake financial has been given every opportunity to cure this falsified and illegal activity. This is my last attempt to rectify this unjust travesty before legal proceedings are filed! 
I demand Westlake Financial provide all documents below to show proper 10/Proof that I am obligated to pay such! 

AM ORIGINAL CONSUMER CONTRACT WITH MY WET SIGNATURE ON IT ADDRESS AND NAME OF ORIGINAL CREDITOR AN AUDIT TRAIL YOUR RIGHT TO COLLECT ON ALLEGED DEBT YOUR LICENSE NUMBER AND REGISTERED AGENT AGREEMENT BEARING MY SIGNATURE THAT I HAVE AGREED TO ASSUME THIS ALLEGED DEBT PROOF YOU ARE LICENSED TO COLLECT IN MY STATE LEDGER AND ALL MONTHLY STATEMENTS AND FINANCIAL INFORMATION 1099-C AND ALL RELATED TAX DOCUMENTATION COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF! 

Thank You, XXXX XXXX

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