Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

Subject : Demand for Resolution Violation of Consumer Law and Wrongful Repossession I am writing to formally address a serious matter regarding the wrongful repossession of my vehicle, a XXXX XXXX XXXX XXXX  VIN : XXXX, associated with account number XXXX. The events in question transpired on XX/XX/XXXX, involving XXXX XXXX XXXX XXXX XXXX XXXX and WestLake Financial, and have raised significant concerns about violations of both Florida law and federal consumer protection laws. 

On the aforementioned date, an individual named XXXX from XXXX XXXX XXXX XXXX XXXX XXXX unlawfully took possession of my vehicle from parking spot XXXX without a valid repossession order. I had previously communicated with WestLake Financial and confirmed that no repossession order was in effect. Despite my efforts to retrieve personal items from my vehicle, the situation escalated when the XXXX XXXX XXXX intervened, ultimately forcing me to surrender my car key under duress. 

Throughout this ordeal, I have consistently received incorrect information regarding my account balance, which has contributed to the mismanagement of my vehicles repossession. Furthermore, I have not received any written communication from WestLake Financial indicating the new balance on my account or the specifics concerning the repossession process. This lack of transparency is a violation of consumer protection laws that require financial institutions to provide accurate and timely information to their customers. 

After enduring numerous difficulties and delays, I was finally able to schedule an appointment on XX/XX/XXXX, to reclaim my vehicle. To my dismay, when I arrived at XXXX XXXX XXXX XXXX XXXX XXXX, I was confronted with unexpected cash fee requirements and discovered that my vehicle had sustained damage during this wrongful repossession. 

I have meticulously documented the entire incident, including photographs of the damage to my vehicle and a police report, which clearly indicate the wrongful repossession, breach of peace, and violation of my civil rights. It is evident that the repo agent collaborated with local law enforcement without conducting a proper investigation, leading to this unlawful seizure of my property.

In light of these violations, I hereby demand the following : 1. Immediate reimbursement for the damages incurred to my vehicle during the wrongful repossession.

2. A written explanation of the account balance and any fees associated with the repossession.

3. The immediate return of my personal belongings that were not retrieved from the vehicle.

4. A formal acknowledgment of the wrongful repossession and a commitment to ensuring such incidents do not occur in the future.

Please be advised that if this matter is not resolved to my satisfaction within 14 days of the date of this letter, I will have no choice but to pursue legal action to protect my rights as a consumer and seek compensation for the damages and violations I have suffered. 

I hope we can resolve this matter amicably and promptly. Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX