Consumer complaint received 2016-03-10
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
IN RE : Westlake Financial Services XXXX Inc. 
Complaint # : i Dear Investigating Officer, I am writing this letter as a follow-up to complaint #, filed on XXXX, with the Consumer Financial Protection Bureau. I am also filing concurrent complaints with the Arizona XXXX, the Arizona Department XXXX, the XXXX XXXX XXXX XXXX XXXX, and the Arizona Department XXXX XXXX XXXX. In addition, I will be filing complaints with XXXX, the Justice Department, and the Comptroller of the Currency. 
I have specific complaints about Westlake in the handling of financing for my vehicle, a XXXX Ford Mustang that was purchased through XXXX XXXX in XXXX, Arizona on XXXX. Those complaints include : Westlake placing an illegal lien on my vehicle using a fraudulent contract. 
Westlake using that fraudulent contract to collect over {$22000.00} on a " lease '' I never consented to. 
Westlake ordering my vehicle repossessed without just cause, and without a showing of the inability to pay or proof of insolvency. 
Westlake charging repossession fees and repossessing my vehicle prior to the first payment being due. 
Westlake charging over {$1300.00} worth of interest in a 60-day time period. 
Westlake demanding and receiving over {$22000.00} in repossession fees and interest in an 8 month time period. 
Westlake employing illegal collection tactics. 
Westlake failing to provide a proper and full accounting on demand. 
Westlake failing to stop charging interest when the vehicle was repossessed upon their request and sold. 
Westlake continuing to charge interest after taking the vehicle and selling it in excess of the legal limits. 
Westlake failing to return fees and charges in excess of legal limits. 
Westlake failing to provide copies of the alleged contract on demand. 


On _____, I went to XXXX XXXX and attempted to " downsize '' my XXXX Ford Mustang, which was paid for in full to XXXX XXXX XXXX XXXX on XXXX. At that time, I made a deal with XXXX XXXX that included the " trade in '' of the XXXX Mustang for a XXXX Mustang. 
I was told that my trade in value for the XXXX Mustang was {$25000.00}. 
I was told that the new Mustang was {$22000.00}. 
I should have received approximately {$3000.00} back from the dealership. 
I also was given XXXX for my boss that was the whole reason for the sale of the XXXX mustang I paid off in full two days prior to buying XXXX vehicle from XXXX. 
XXXX I paid in full XXXX to XXXX XXXX XXXX who was my employer at time XXXX. 
he had given me XXXX to help pay off the XXXX mustang .XXXX informed me he needed the money back the following day. 
In order to keep credit score from falling I paid off XXXX. 
I had gotten a loan from XXXX through XXXX 78 days prior to its repossession on XXXX XXXX XXXX in which XXXX miss informed me of contract pay date saying 90 days till first payment which would n't have beed due till XXXX/XXXX/XXXX. 
I feel be ford intentionally has mis lead me on XXXX different occasion to gain moneys un lawfully. 
They stole my rebates on XXXX mustang sticker price was XXXXXXXX5.1 % interest My total due was XXXX on paying off loan .doesnt add up. 
XXXX XXXX was suppose to give me XXXX for XXXX mustang with XXXX.cash In exchange for XXXX mustang which sticker was XXXX Which should of left XXXX to me for over pay and XXXX for XXXX no one in their right mind would have paid off all that money then to have a loan for a cheeper car they mislead me to belive it was a sale straight ACROSS AND MONEY BACK TOTALLING XXXX DOLLAR. 
There was never suppose to be a loan for that money on contract from west lake. 
On XXXX XXXX the XXXX mustang was impounded for me not having license. XXXX failure to put transfer of title to XXXX

Company response to consumer: Closed with explanation