Consumer complaint received 2022-09-13
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I am a natural person residing in XXXX XXXX, Virginia. A natural consumer as defined by the FDCPA ( 15 USC 1692a ( 3 ) ). A natural person obligated, or allegedly obligated, to pay a debt owed or due, or asserted to be owed or due a creditor other than westlake financial arises from a transaction in which the money, property, insurance, or services that are the subject of the transaction were incurred primarily for personal, family, or household purposes and I incurred the obligation, or alleged obligation, owed or due, or asserted to be owed or due a creditor other than westlake financial.

Westlake financial uses instrumentals of interstate commerce or mail in which the principal purpose is the collection of any debts, and or regular collection or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another. 

In connection with the collection of an alleged debt, an Adverse Action was taken against me. Westlake Financial, via its agents and or employees, " XXXX XXXX XXXX '' on XX/XX/2022 before XXXX, unlawfully detained consumers good ( AUTOMOBILE ). 

Westlake financial falsely represented that I owed an alleged car loan debt. However, the alleged debt was actually for a line of credit and not a loan and as such, Westlake Financial falsely represented the character, amount, or legal statue of the consumer 's debt. ( 15 USC 1692e ( 2 ) ( a ). ) Westlake financial failed to provide proper disclosure and notices, ( Notice of the right to RESCIND and CLOSING DISCLOSURES ). Upon doing some extensive research, I discovered that when I entered the dealership, XXXX XXXX, to apply and obtain an extension of " CREDIT '' by and through a " CREDIT APPLICATION '' for the consumer goods purchase, the dealership subsequently submitted a " LOAN APPLICATION '' in my name ( Identity Theft ) resulting in XXXX XXXX receiving an " ADVANCE '' ( LOAN ) in my name establishing an asset account from XXXX XXXX in return for the assignment of the retail contract ( Credit Sale ) to Westlake Financial for deposit into a " LOAN POOL '' in return having me pay back pure profit and covering deception. 

Even though I know the debt is an alleged debt and not mine, I have tried to resolve it by XXXX XXXX, Tender of full payment in the amount of {$17000.00} through IRS form 1099 NEC. The payment was sent via post office Registered mail- XXXX on XX/XX/2022 and was delivered at the payment center on XX/XX/2022. Exhibits attached. Westlake financial has not updated the Account and instead sent me a letter after XX/XX/2022 after receiving my payment to cure, of going ahead to sell the consumer good ( AUTOMOBILE ). 

Westlake financial and XXXX XXXX criminal behavior and conduct, deceptive and misleading documentation and practices, changed the identity of my private consumer transaction into a public commercial transaction for XXXX XXXX and Westlake Financial profit and gain.

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