Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I bought a car through US Auto Finance and they went out of business. I paid {$300.00} cash and {$800.00} dollars down for the car, and was never able to make a payment to them as they went out of business and filed bankruptsy. The car broke down 3 days after I got it ... but I had paid for the extended warrenty and when I called " Dealer Owned Warrenty '' they stated that US Auto has not paid them for any of our warrenties in over 2 years, so there was nothing they could do. US Auto Sales had then ceased operations so I had to come out of pocket for the XXXX repair of the vehicle. 

We were then notified that our loans were sent to Westgate Portfolio Services, which I know is a debt collector and I recieved letters saying that this was my " second chance '' to fix a debt since I had had non payment, I called and asked them 1- about the gap insurance that was included in my loan and they said that was no longer there and the Warrenty which they said is no longer there, I asked for my contract since they " bought our contracts '' and they stated that they could not produce them but would have them within 7 days. I set up an auto payment with them every 2 weeks -- -- - So I have been making payments to them every 2 weeks -- -- - and my car was repossed last night. I have been making payments that were due every month every 2 weeks because this has caused my credit score to PLUMMET to XXXX, and on my credit report it states ON TIME payments, but the total never went down a XXXX -- -- -- including the gap insurance that was purchased that I did not recieve and the extended warrenty that I didn't recieve and I was told that would not be adjusted off and that they could not offer those services. I called every week asking about a copy of my contract stating that the loan had been transferred to them, and they stated that they are not allowed to disclose that information. I called and asked why my amount is NOT going down due to payments, and they said it was due to a XXXX XXXX DOLLAR A DAY interest payment since this was do a collection agency -- - WHY was I sent to a Collection Agency when it was US Auto Sales and Finance that went out of business, I did nothing wrong. 

Then this morning on XX/XX/2023 I woke up to my car being gone, to which I called and filed it stolen. They suggested for me to contact Westlake -- which I did, who will NOT disclose where the car was towed to, and it has my ID, My XXXX, over XXXX dollars worth of Baseball gear of my sons -- - and was told that I could get the car IF I paid the {$18000.00} in full. 

I am a single mom .... with no transportation had to XXXX to work this morning .... and with my credit score I can NOT get another car and I can NOT replace my childs belongings and I don't even have a photo ID as it is in that car. 

How can I make payments and them say that the XXXX XXXX Dollars a day interest was added BUT today tell me they have NO record of me making payments. I told them I could send them by bank records and they said that there is no way to prove that is what the payments are for and if I can not make the {$18000.00} payment the car and all items in it is their property for auction. 

HELP.