Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MD)

I am writing to formally lodge a complaint against Westlake Financial regarding my car loan and the distressing circumstances surrounding the reassignment of my vehicle to the dealership. I was not contacted by Westlake Financial to inform me of their intentions to reassign the loan back to the dealership, leaving me unaware and unprepared for this action. 

On the day I received a call from the dealership XX/XX/year>, I was misled into believing that I was being contacted for a different matter. The representative did not disclose that the vehicle would be taken back. As a result, I found myself and my XXXX XXXX  daughter being put out of the car at XXXX XXXX XXXX XXXX, which was not only alarming but also deeply unsettling. 

In my attempts to resolve this situation, I reached out to the dealership for clarification and inquired about what I could do to retrieve my vehicle. To my dismay, I was informed that this would not be possible. The distressing circumstances surrounding the sudden loss of my vehicle have caused significant stress for my family. This situation has greatly affected my ability to care for my XXXX child, whose daily routine and sense of stability have been disrupted. I feel that Westlake Financial 's actions are not only damaging but also violate my rights as a consumer.The distress of being unexpectedly removed from our car late at night has had a profound emotional impact on both of us. 

I believe that the actions taken by Westlake Financial are not only deceptive but also abusive, violating my rights as a consumer. I did not receive any notice about this, and I feel that I have been treated unfairly and that my situation has not been handled in a professional manner. I urge the CFPB to investigate this matter and take appropriate action to ensure that Westlake Financial is held accountable for their practices, which have caused undue hardship and anxiety for me and my family.

In light of the significant stress and hardship caused by Westlake Financial 's actions, I will be following a complaint with the Attorney General regarding this matter. I believe that this issue warrants further investigation and action to protect not only my rights but also the rights of other consumers who may find themselves in similar situations.

Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. : Westlake Financial has failed to provide clear and adequate disclosures regarding the terms and consequences of my loan.

Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. : I have been treated unfairly as a consumer, and I believe there were discriminatory factors at play regarding how my account was handled, this would be a serious violation of my rights under the ECOA. 

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. : The manner in which Westlake Financial handled the reassignment of my vehicle appears to be deceptive and constitute harassment, particularly as I was not informed of any actions taken against my account prior to the vehicle being taken.