Consumer complaint received 07/28/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (AR).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My first issue this is my first time buying a vehicle on my own. I do n't think I can ever go through this experience of buying another car. I get nauseous thinking about it. I had no idea what I was doing and I feel taken advantage of. I was given a 24.99 % interest rate. My credit score was XXXX the day the loan was wrote. I had no idea this interest rate was high moreover it was illegal in my state and the state rhe financial company was in. I 'm in Arkansas. They 're in California. I bought the SUV XX/XX/XXXXand some months even was able to pay double payments. My state was hit with a flood of historical proportions that have ever been able to be recorded. I had put my payment in our outbox at our local post office that serves XXXX citizens in our small town the day before the flood. It would have been a week early had it left the next day and it was for XX/XX/XXXX and XX/XX/XXXX payments. {$760.00}. When I woke up the next day water was everywhere. I mean EVERYWHERE. Our local XXXX had 9 ft of standing water. The president and our governor declared us a natural disaster area. Apparently my payment never left the post office. Which the post office was barely standing after the water receded. Fine. I called Westlake and they took a check over the phone and I deferred one payment to the end of my contract. Two weeks later I was diagnosed with XXXX XXXX and had to immediately take a sabbatical from work to start XXXX and XXXX. I called Westlake again and they told me they would defer 90 days of payments to the end of my contract. Paid them a {$50.00} dollar payment for each deferred payment. My doctors said more than likely I 'd be at least able to return to work by then. Westlake called me the entire time I was in the hospital, twice when I was receiving XXXX and asked for their payment. I said we deferred those I paid you {$50.00} per payment. I 'm sick may I please call you back. Most of the time I was immediately hung up on and recieved outlandish attitude from the customer service representative. I had bigger fish to fry so to speak so I swallowed the XXXX and pushed myself to get better. XX/XX/XXXX I had enough and I went to trade the vehicle off. The calls. The nasty attitudes. I could n't take it any more and I was trying get healthy. When the dealership called to ask for my payoff they were told the vehicle was in repossession status and demanded the address. I was four hours from home. No one gave them the address and I left after waiting 45 minutes seeing if anyone would show up. They knew the dealerships name and city and state. I know they have XXXX. So I waited. No one ever showed so I leave to come home. Drive four hours home. The next day I get up to go back to my first day back at my place of employment and my truck is gone. Immediately I assume they repossessed it. Who would n't. I fumed for about two weeks and I finally answered the phone one morning when they called and I 'm informed they do not have possession of the vehicle and I need to call the local police as the agent is speaking to someone else and I hear someone say " Do n't tell him we have it .... '' Then I start getting Badgered about late payments. I said no those were deferred and I 'm told we do n't offer a program like that. And suddenly the {$50.00} payments are showing up on my account or so I 'm being told. The agent then tells me to call my local police office. I do. They come fill out a police report. XXXX starts tracking the vehicle. Well. Since it had been two weeks the vehicle is no longer trackable through XXXX. Unless the vehicle is started or electricity fires up the XXXX program. I was never given my personal effects out if my vehicle. There is a {$2700.00} dollar suit that better be there if I ever get this truck back.

Company response to consumer: Closed with explanation