Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services contacted my insurance company and disclosed that I was under repossession during a total loss claim I was not under repossession I have talked to the legal department he said XXXX XXXX also made a verbal agreement that he would settle the loan with XXXX XXXX XXXX for a loan I have for a XXXX XXXX XXXX I wanted to negotiate the amount of money I owed which was a direct dispute in an email I sent months prior to this insurance claim The email was a Notice sent to Westlake Financial Services, Demand to Commence Arbitration, for the way that Westlake Financial Services had listed on their website a very inaccurate Payment History I had been disputing this for months and had been ignored XXXX never calls back answers emails or answer questions in regard to why is my loan still the same amount after XXXX months of payments, online for every XXXX car payment I made, the account shows XXXX payment Westlake Financial Services would call me if I was XXXX day late with my car loan payments, during XXXX  I was made and forced to pay the payments and they had offered no help or breaks during the pandemic there was no relief or they would say we will repo the vehicle Customer service, would call and I asked are you collections or customer service and they would say we are both I would ask to speak to a specific department or supervisor and they would hang up, put me on indefinite hold, or have someone get on the phone saying they were from a different department, threatened me to either pay the monthly loan amount and some sort of late fee or service fee or my car would be repossessed XXXX XXXX XXXX called me after I opened insurance on XX/XX/XXXX the claim in which Westlake financial services was not listed on my insurance policy and had no privy to any information, I even emailed them not to even try and talk to my insurance company you are not listed on the policy XXXX went ahead and contacted this third party and even sent documents the contract has forced insurance in it and my policy in the contract I signed had expired XXXX made no attempt to secure insurance to protect the loan asset, they never amended or added a policy for insurance to the contract they never sent me a notice or any other information on what insurance XXXX did not respond within the XXXX  days for XXXX XXXX has no other email or phone number to call except the customer service number ( XXXX ) XXXX if I asked to talk to anyone else we will pass the message no one ever called back or emailed or responded as soon as I told XXXX XXXX I was filing a Declaratory Judgment to get the title so I could close my claim with my insurance, XXXX reported to the credit bureau resulting in a remarkable decrease in my score they also changed the online amount from XXXX XXXX XXXX  TO OVER XXXX XXXX XXXX XXXX DOLLARS WHEN ASKED WHERE DID THEY GET THE TOTAL THEY CAN NOT EXPLAIN THE XXXX TRIED TO STEAL MY INSURANE CHECK BY TALKING TO THIRD PARTY AGENTS AT MY INSURANCE COMPAMY AND SAYING I WAS UP FOR REPOSSESSION WHEN I WAS NOT THEN THEY STOP TALKING TO ME THIS MAKING IT IMPOSSIBLE FOR ME TO CLOSE THE CLAIM AND COLLECT THE MONEY FROM MY INSURANCE CLAIM XXXX ALSO STATED IN AN EMAIL HOLD OFF FILING IN COURT OR THERE CAN BE NO SETTLEMENT ANOTHER EMAIL I NEED TO CHECK WITH COLLECTIONS AND INSURANCE I EMAILED XXXX YOU ARE NOT ALLOWED TO SPEAK WITH EMAIL SEND DOCUMENTS NOTHING TO MY INSURANCE COMPANY HE DID ANYWAY MY INSURANCE TOLD ME HE CALLED AND SENT DOCUMENTS AND ASKED ABOUT THE AMOUNT OF THE INSURANCE I WAS TO COLLECT I HAVE GAP INSURANCE WITH XXXX HOWEVER I ASKED FOR THE COVERAGE DOCUMENT THEY WON'T SEND ME THEY DON'T SEND ANY DOCUMENTS I HAVE REQUESTED THEY ARE DECEPTIVE, PREDATORY LENDERS THEY HAVE NO OTHER RECOURSE WHEN THINGS GO WRONG THEY DO WHATEVER THEY WANT HE VERBALLY MADE A DEAL TO SETTLE MY LOAN WITH XXXX FOR A LESSER AMOUNT THAN IS STATED ONLINE ON THEIR WEBSITE I HAVE PAID XXXX FOR XXXX  MONTHS OVER XXXX XXXX DOLLARS ( {$8000.00} ) THE ACCOUNT LOOKS LIKE I PAID XXXX XXXX DOLLARS ( {$2000.00} ) DO SOMETHING MY LOAN STARTED IN XXXX AT THE END OF THE CONSENT ORDER AND THEY WENT RIGHT BACK TO WHAT THEY DO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation