Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I am filing this complaint against both XXXX XXXX XXXX XXXX ( XXXX XXXX - Owner ) and Westlake Financial, the lender associated with the financing of a XXXX XXXX XXXX ( VIN # XXXX ), which I purchased on XX/XX/XXXX. I received the car on XX/XX/XXXX, and I immediately contacted the sales agent ( XXXX ), who agreed to rectify the situation. 
This vehicle was sold to me based on false advertising and misrepresentation. I live in Arizona and purchased the vehicle remotely, relying on the information provided through XXXX website and XXXX. However, the vehicle delivered was materially different from what was advertised. 
Undisclosed Issues Upon Delivery : The air conditioning system was completely non-functional on passenger side of the care. 
Multiple electrical warning lights were present upon delivery. 
The vehicle had a torn axle boot ( CV boot damage ), a known mechanical issue, which has allow oil and other debris to enter the engine. 
The odometer reading was misrepresented, indicating possible odometer fraud. 
The absence of required paperwork ( temporary registration and license plates ) for the vehicle. 
None of these material defects were disclosed prior to the sale. I immediately contacted the sales agent ( XXXX ) upon receiving the vehicle and the owner of the dealership ( XXXX XXXX XXXX, but as of XX/XX/XXXX, my concerns have not been adequately addressed. 
Dealers Response : The dealership has attempted to deflect responsibility by stating the vehicle was sold as-is. However, under Arizona Revised Statutes 44-1522 ( Consumer Fraud Act ), such disclaimers do not protect sellers from liability in cases of fraud, deception, or material omission of known defects. 
To further exacerbate the situation, XXXX XXXX proposed to resolve the issue by taking the car back on consignment. This is unacceptable. These multiple instances of dishonesty and failure to honor her responsibilities as a seller leave me with no trust in their dealership and make consignment an unacceptable option. Because this transaction was built on dishonesty and nondisclosure, I will not allow this dealership to resell this car on consignment while I remain legally and financially responsible for it. That would only continue the chain of deception. 
Lenders Role Westlake Financial : Westlake Financial financed the loan based on a fraudulent sale. Despite being notified of these concerns, Westlake has continued to process and service the loan. This action supports and perpetuates the deceptive practices of the dealership, potentially violating fair lending and loan servicing standards. As a financial institution, Westlake has a duty to investigate loan originations tied to fraudulent activity. Their inaction makes them complicit in enabling this fraud. 
Resolution Sought : Immediate rescission of the auto loan agreement facilitated by Westlake Financial. 
Full refund of all funds paid, including any down payments and fees. 
Written acknowledgment from Westlake and the dealership that the sale was made under false pretenses. 
Formal investigatio

n into Westlakes role in financing fraudulent auto sales. I have already submitted complaints to the FTC, A
rizona Attorney General, and California DMV Investigations Unit, and I am prepared to pursue legal action if this is not resolved. 
Attached are documents supporting my claims, including advertisements, communications with the dealer, and photos of the vehicle as received.

Company response to consumer: Closed with explanation