Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (KY)

Since XX/XX/XXXX I have been in dispute with Westlake Financial in an attempt for them to recover a vehicle with an unclear/unconfirmed ownership. On XX/XX/XXXX. I purchased a vehicle from American Car Center ( now defunct/ no longer in business ). It was a XXXX XXXX  XXXX XXXX  XXXX # XXXX. Within 1 day of owning the vehicle it started to have numerous problems such as the radio not working, the car making weird sounds, the windshield wiper fluid not working and the car missing its engine bolts and wasn't functional ( confirmed by a XXXX dealership ). Since XXXX of XXXX this car has been sitting and isn't functional. Since XXXX of XXXX I have being trying to get America Car Center to take the vehicle back due to its condition. In XXXX, WestLake Financial started to contact me and stating that I owed them {$13000.00} I was then contacted again stating I owed {$17000.00} and the previous employee I spoke with had giving me the wrong amount owed. I was threatening by the employee that this would be put on my credit and hurt my credit score. Then the price went down to {$35000.00} and then to {$3200.00}. I have also contacted the Attorney General in Kentucky for help when American Car Center was in business and sold me a bad vehicle and due to west lake giving me multiple amounts for the vehicle. I was contacted on XXXX by a west lake employee stating he was an investigator. He stated he would be sending the police to my house to have me arrested and to confiscate the car. He also told me not to contact west lake because they don't want to talk to me anymore. I want this resolved and shouldn't owe a debt for a vehicle that should have never been sold nor should my credit be destroyed because of this. I shouldn't have to be threated. I have sent West Lake multiple emails. The email the employee gave me and I even CC the Attorney General office employee helping me with this matter so. I know they received my emails. My email states '' TO ALL CONCERNED PARTIES : Pursuant to discussions regarding : XXXX XXXX XXXX XXXX # XXXX Vehicle : Vin XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX , purchased via American Car Center @ XXXX XXXX XXXX XXXX , Kentucky XXXX : currently assigned to WestLake Financial Group is NOT to be voluntarily submitted for repossession. This vehicle was sold under fraudulent conditions and terms. I have attempted to physically return the car within 48 hours of the sale. I presented the car to the Salesman, Sales Manager and even communicated via email with Corporate Office. The car has never function properly and I was instructed by the Sales Personnel at American Car Center to take the auto to the XXXX Dealership, " down the street ''. Which I did. Subsequently was told the car lacked engine bolts, cover, and several other issues and the car " was not safe to drive. American Car Center was NOT willing to pay for the necessary repairs. I immediately returned to the lot where I was met with hostility and refusal for the car to be returned. This undriveable vehicle has sat in my driveway every day since. 

At that time, I pursued action via The Kentucky State Attorney General, Office of Consumer Affairs. Representatives [ Towing Companies ] of WestLake Financial Group has visited my home on a number of occasions to " pick-up this car ' as a " repossession ''. THIS IS NOT A REPOSSESSION!!! I had every right [ " Contractually/ 3 day right recission '' ] the contract said 10 days ; to return this car. I was encouraged by Corporate Office of American Car Center to make payments while they " intervene ''. They did nothing for months. Then I was told " my credit would be in the toilet '' if I did not pay. I am a college student. My credit should not be ruined over a car that I could not/can not/and will not drive. I want every cent I paid returned and I want everything to do with American Car Center/WestLake Financial Group and this red car OFF OF MY CREDIT REPORT. 
I want to be paid {$200.00} per day for storage beginning day one and until this thing is finished ... .I have no use of my driveway while it sits there taking up space, in front of the garage door.

WESTLAKE FINANCIAL GROUP and/or its AGENTS will no longer contact me. They will contact : XXXX XXXX, Consumer Complaint Investigator email : XXXX PHONE : XXXX, XXXX XXXX ADDRESS : Office of the Attorney General XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX