Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My complaint is about US Auto Sales. I got my loan XX/XX/XXXX. I was having having issues with my car and desperate need of a car. My credit needed some fixing so my options was low. US Auto Sales responded to my inquiry from my credit bureau inquiry. The encouraged me to come in and I would be able to drive out with a car. When I came in the dealers only showed me 2 of the most expensive cars and said they can draw up the loan documents. I told them I wanted to look around first and test drive the cars first. They was extremely pushy. I ended up choosing the XXXX and I said I would like to move forward. They asked for my down payment and that would follow up with a signing of the contract. I asked for the car inspection report. I am buying a XXXX car in XXXX I want to know what was wrong with it. The owner told me it's in good condition he will give it to me after I pay. I paid and he just sat me down and told me to sign the documents. I started asking necessary questions about the contract and the inspection report and he said everything is there and everything is ok. He kept talking fast and just kept pushing me to sign. I mentioned how dirty the car was. The car looked like it was driven in the mud and had dog hairs in it from the previous owner he ensured it would be cleaned. After I signed the documents he left for at least 30 minutes and handed me the contract copies and keys and walked away. The dealer asked that I buy him lunch for his bonus. I asked was the car cleaned and what about the report. He said everything was in my envelope and come back the evening to get it cleaned that he had no time to do anything. I ended up just taking the car to get detailed myself because I did not feel comfortable. I read my contract and noticed I did sign a predatory loan. The car also had a recall so I had to take the car to XXXX immediately the next day. After the car was returned my 3 day trail to return the car was up. Based on the terms I could not cancel the contract after signing I could only exchange the car for the same value within 3 days. I was stuck by that point. My first payment was due weeks later and it fell on a Wednesday, I called at least a week prior and asked can I move it to Friday because that was my payday. They told me if I don't pay it on Wednesday they will disable my car and repo just the day after. I told them I called more then 48 hours later and if they can see my pay schedule that was my pay day. They let me know my explanation is not their concern if I don't have it in by Wednesday by XXXX I will lose my car. I was able to ask for a loan to pay it on time because I needed my car. I had to take out more debt because of their threats. My hot air was not working and my tires seemed to have issues. I only could take it to XXXX XXXX based on their terms to fix it and it was only less then 30 days in. XXXX XXXX looked at the car and said everything was ok. I asked them why do I have these issues and they ensured me they can't respond because they did not want to lose their contract with US Auto Sales and there's things they can't talk about. I took the car else where and found out the filters haven't been changed for years and I had to pay for that. I also found out there was issues with the alignment and potentially more but I had to run a full diagnoses. I did not have the money to do so now I'm just driving a car that I'm praying will not give out. Currently something is leaking from the car and I haven't made it to 1 year since I got the car. US Auto has closed down without notification AND reserviced the loan elsewhere. A friend had to tell me they closed and I XXXX to find out they closed. The new servicer only emailed me to pay them. I don't even know if I'm paying a real company. I'm going by XXXX and no real proof of loan so I'm worried I'll be able to receive the title after pay off.

Company response to consumer: Closed with explanation