Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On XXXX I purchased a used XXXX XXXX XXXXXXXX XXXX XXXX From XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing was accepted through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was due XXXX XXXX, Was told by Dealership that I would receive a welcome packet via mail I didnt receive it. My wife downloaded their app and tried to make payment on XX/XX/XXXX we recieved confirmation, we kept checking our bank ledger to see if they submitted the payment it didnt ever show up they are saying it was returned to nsf, but we never received notification from our bank that it was returned and it didnt show up on bank declines. Tried again on XX/XX/XXXX recieved payment success and co number from XXXX. Again we kept checking the bank nothing was ever submitted to our bank. Attempted to call XXXX XXXX no answer then someone answered and hung up and they didnt answer again. My wife resubmitted payment again on XXXX hit payment successful and again on XXXX. recieved payment successful. On XX/XX/XXXX the same later that afternoon Spoke to XXXX at dealership telling us that they had a recieved notice that we was in payment default. We spoke to XXXX at XXXX and he told us that it was the dealership that was the issue and they XXXX was willing to work with us XXXX did XXXX de line on XX/XX/XXXX at our bank but it didnt show on ledger till XX/XX/XXXX. XXXX recieved payment on XX/XX/XXXX for XXXX original payment was XXXX. We paid XXXX down they we turned around and put another XXXX plus in it to fix some things, XXXX from XXXX place said they could possibly get us refinanced with another lender, which i found odd because on XXXX XXXX they told us that XXXX was the only lender they could find. She said that she found a new lender but we would have to make a down payment of XXXX and the payments would be XXXX for XX/XX/XXXX months and much was not doable for us. I am on XXXX just recently got approved and my Wife just got approved for XXXX in XXXX and was awaiting her first check. She told me that I had to fill out another credit app and ask that my wife do the same to see if we could get better financing. My wife has it fixed that if our credit is pulled that she recieve notice and same with our bank. We never recieved notice that our credit was ran through another loan company. XXXX said that they XXXX XXXX had alread bought the truck back and that it would be repoed or we could bring it back. We tried to get the money ( XXXX ) down payment to refinance as they said so with it being late noon before XXXX XXXX nothing was where we could do anything. They agreed to let us try on Thursday, we was given the run around between the finance company and the dealership with each XXXX of them pointing blame against the other. They sent repo truck on XX/XX/XXXX, to get truck even though. Payment was recieved on XX/XX/XXXX by XXXX. When we ask about us getting our payment back XXXX said that the dealership would reimburse us. When we ask dealership they acted as if they knew nothing and said we had to talk to XXXX. We have been back and forth with them on the phone since Monday. Nothing is resolved. Spoke to XXXX XXXX XXXX today XX/XX/XXXX was hung up on several times, also spoke to dealership several times via text and they sent over a copy of notice of default payment and a repurchase demand that was dated on XXXX. My wife looked both the dealership and XXXX up and both have really bad reviews. We should have though if this in the first place and it would have saved us money, stress and headache. XXXX XXXX isnt even backed by BBB. We have been deceived by both XXXX and XXXX XXXX XXXX. We told them bioth we can prove everything.

Company response to consumer: Closed with explanation