Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Summary XXXX XXXX XXXX INVOLVED : XXXX XXXX I am submitting this complaint regarding ongoing post-contract conduct by XXXX XXXX following the execution of a financed auto purchase agreement. FACTS AND EVENTS : XXXX. Additional payment demands outside of contract After the financing contract was executed with my lender, XXXX XXXX began requesting additional payments that are not included in the signed and legally binding agreement. No written amendment, addendum, or contractual modification has been provided to justify these demands. XXXX. Ongoing pressure, threats, and last warning communication As of today, the dealership continues to send urgent communications requesting immediate contact, including statements such as last notice and implying that action may be taken to cancel or affect the contract if I do not respond. These statements are being made despite no default or breach existing on my account and without any formal documentation from the lender supporting such claims. XXXX. Allegations regarding references provided during financing During the financing process, I was required to provide multiple personal references ( approximately XXXX contacts ) as part of the dealers documentation requirements. These were submitted in writing with names and phone numbers. Additionally, I was instructed by a representative of the dealership to complete the list in order to proceed with the transaction. The dealership is now alleging that some references were false and is using this as justification to claim that the contract could be canceled. This appears to be an inaccurate and coercive interpretation of the process and was never communicated as a condition affecting the validity of the approved financing. XXXX. Coercive communication behavior The dealership has engaged in repeated urgent, pressured communication demanding immediate responses, creating an intimidating and coercive environment. XXXX. Improper contact with third party and resulting harm The dealership contacted a third party known to me and communicated that I had an outstanding debt and could face vehicle repossession, despite no default or repossession action existing on my account. This third party is an elderly individual with a close personal relationship to me. As a result of this communication, a serious misunderstanding occurred, causing emotional distress and conflict, and leading to unnecessary concern based on misinformation provided by the dealership. XXXX. No formal contract modification At no point has XXXX XXXX provided any written amendment, addendum, or legally executed modification to the original contract that supports any additional charges, claims, or changes to the agreement. CURRENT STATUS : All legitimate contract-related changes ( including cancellation of optional services such as extended warranty ) were handled directly through the financing institution. The original contract remains active and in good standing, and no default has been declared by the lender. REQUEST FOR REVIEW : I respectfully request a formal review of XXXX XXXX XXXX for potential unfair, deceptive, and/or coercive business practices, including : * Attempts to collect payments outside of the executed contract * Misrepresentation of contractual obligations and debt status * Use of pressure-based and threatening communication tactics * Misleading statements regarding references provided during financing * Improper contact with third parties resulting in misinformation and harm FINAL NOTE : The dealerships communication appears to be outside formal contractual and lender procedures and has created ongoing confusion, pressure, and distress.

Company response to consumer: Closed with explanation