Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: WA

Complaint narrative:
The following excerpts are from my communication with West Lake Portfolio Management. 


Timeline of Contact : XX/XX/XXXX : A formal expedited letter was sent via USPS mail to Westlake Portfolio Management outlining the full dispute, the unlawful conduct, and demanding immediate account closure and title release. ( see attached PDF ) XX/XX/XXXX : The same formal correspondence was submitted through your official website contact portal. 

XX/XX/XXXX : I was contacted by telephone by a Westlake representative attempting to collect payment despite the formal dispute already being issued. During this call, I read the formal letter aloud and explained the circumstances in full detail. The representative disregarded my statement, continued to attempt collection, and only offered an email address for resubmission constituting a third contact and continued harassment after lawful notice. 

Todays email ( XX/XX/XXXX ) : Marks the fourth formal contact, this time sent to the email address provided by your representative. This serves as final written notice. 



Legal Basis & Violations : Your companys continued contact and collection attempts after receipt of formal dispute violate the following laws : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c1692f ) prohibiting continued collection attempts after a written dispute or cease communication notice. 

RCW 19.16 ( Washington Collection Agency Act ) prohibiting harassment, coercion, or collection efforts on disputed accounts. 

RCW 19.86 ( Consumer Protection Act ) prohibiting unfair or deceptive acts in commerce. 



Formal Demands : I am demanding that Westlake Portfolio Management immediately : Close my account effective XX/XX/XXXX, the date the original dispute and termination letter were received. 

Cease all collection activity related to this account. 

Release and mail my vehicle title to my address within 15 business days from the original written notice ( XX/XX/XXXX ). 

Provide written confirmation that the account has been closed, the title has been released, and that no further contact or billing attempts will occur. 




On XX/XX/XXXX, a vehicle lease agreement signed for XXXX XXXX # XXXX, VIN #. The vehicle was sold by XXXX XXXX and XXXX XXXX, employees of the dealership. 

Only two days after execution of the lease, American Car Center permanently shut down operations. I was not informed of this closure prior to signing, despite the fact that employees were demonstrably aware of the impending shutdown. Further, I was fraudulently induced to make a payment to salesman XXXX XXXX outside the normal payment system, on the pretext that the companys website was down. 

This series of events constitutes a material breach of contract under Florida contract law and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.201 et seq., which prohibits misleading and deceptive conduct in consumer transactions. A contract entered into under fraudulent inducement, concealment of material facts, or misrepresentation is voidable and unenforceable. 

Despite the lease being null and void, my alleged account was transferred to Westlake Portfolio Management without my knowledge, awareness, or consent. This violates 15 U.S.C. 1641 ( Truth in Lending Act Assignment of Loans ), which requires clear disclosure and consent for the transfer of obligations, as well as 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ), which prohibits attempts to collect debts that are not valid or legally owed. 

Since that time, I have made large monthly payments to Westlake Portfolio Management in good faith. However, the excessive fees, surcharges, and processing costs added to my account have resulted in charges far exceeding what was originally agreed upon, violating 15 U.S.C.

1692f ( 1 ), which prohibits collection of any amount not expressly authorized by the agreement or permitted by law.

Company response to consumer: Closed with explanation