Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

I have had an auto loan with Westlake Financial since I purchased my vehicle from XXXX back in XX/XX/XXXX. I finding out now a lot of things that was not told to me before and also that I do not recognize in my contract. When speaking to a rep about it he could n't give me the page in my contract where it was listed, but instead asked me to send him a copy of the contract because he do n't have one and that XXXX was supposed to verbally inform me of these things. This company has placed so many extra fees and charges on me out of nowhere and for everything making it impossible to pay my principle balance down. I paid a {$4700.00} down payment and was also told by an employee that I have paid close to if not over 10,00 dollars additional to that and only about {$1500.00} of that has went towards my principal balance. My principal has even went up. I was told that the only way I can bring my principal down is to pay extra or earlier. There is no way that I can do that being that I am a single mother of XXXX and have other bills as well. I was recently informed that there is a {$7.00} charge per day and an additional XXXX every day that I am late. I was also recently informed that because of me changing my due date in the second month of my term from the XXXX of every month to the XXXX after being offered it to make my payments " more convenient for me '', that I am being charged interest as well for that ten day gap each month. This company will offer you an " extension to help you get caught up '' but will not tell you that the extension builds of interest as well. For an example I was involved in what was considered a national disaster, Hurricane XXXX. They told me that they were offering customers a two month extension because of the crisis, but did n't mention that everyday in between that time and my next payment that I would be charge interest. My pay off date was supposed to be in XX/XX/XXXX, but I just found out the other day that it has been changed to XX/XX/XXXX. My vehicle was repossessed after talking to representatives and informing them on Tuesday that my payment was going to be paid on Friday. Friday when I woke up my car was gone. This was on XX/XX/XXXX. I got my car back on the XXXX. Ii was told prior to getting my car back that I had to make my past due payment and the new one that had just came, plus the repossession fee. I made three payments which would have caught me up completely and made XXXX payment as well. I also paid the repo fee. Now looking at a complete payment history that was sent to me it was stated that the repo fee was {$570.00} and they will not explain to me what costed {$570.00} after I was told that it was {$300.00}. They charged me for that and out of three payments of XXXX, only {$600.00} went towards my principle. They reported to the credit bureau that Ii failed to pay 3 months including that XXXX, XXXX and XX/XX/XXXXwhich is not correct, as well as other times, causing harm to my credit, but will not update it. Ii have tried to make payment the following week or even pay at least half and the other half next week, but they will not allow it and would say it has to be paid today or make remarks about putting my car up for repossession. Not only this, I have also received harassing phone calls at inappropriate times and back to back while at work and in church. Westlake has also called people that I did n't authorize them to call or numbers that Ii called them from giving out info that should not be disclosed to these people. I called and asked them about giving the car back and they said that If i would they would put it on my credit report as a repo and if they ca n't auction it for the pay off of XXXX that I would be responsible for what is remaining. I 've become completely devastated and want to get out of the loan with this company. I see after investigating that I am not the only person having issues with Westlake. If I do n't i will be paying over 40,000 dollars for a XXXX. Please Help.