Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
b'I took out a title loan against my truck I had clear title and got a fraction of its worth at 35% interest because after an injury of XXXX  months I desperately needed to pay rent.  I made first payment no issue but as I was driving I got a call requesting my second installment so I pulled off road and gave my check card numbers and was told my payment was successful and next payment due date, the call was ended with have a nice day and I said the same and thank you.  I was under the impression payment was made and to my surprise a few days later on XXXX XXXX they took my truck from my driveway.  I called the finance company and they said they repo my truck for non payment and I replied I made the payment but after doing a balance check they did not remove the funds that were available.  The rep kept repeating sorry sir no payment was recorded I looked at my call log and can tell I was on phone with them for several minutes and I asked why did the rep take my payment info and they said that yes they can see I made the payment but the call was disconnected before they read a disclaimer to me to allow them access to the funds.  I remember the call was complete and not dropped but I asked if that were true why not simply call me immediately and read the disclaimer or the next few days before they came and took it I have zero calls from them and they left me with the impression I paid the payment.  It was really strange to me because I remember the conversation and it did not get cut off, I can only imagine they wanted the vehicle not the payment the funds were available the whole time and not a peep from them to tell me about a disclaimer.  I feel like I got scammed and a good one too cause its hard to phantom that being a possibility and I had zero worries of a repo after being assured payment was made Im guilty of not checking my balance to be sure money went out but like a million times before I made payment over the phone.  Im so shocked so Im a master electrician and I had all my tools of XXXX  years and lots of wire and gear in the vehicle so finance company said call the repo yard and make appointment to get your things.  That was over a month ago I went there on time on scheduled date and they gave me a form to sign that said they are not responsible or liable for anything missing or broken and the form said these are the items that were in vehicle and it listed a hat and glasses.  I refused to sign away my rights and they refused to let me have my things.  I asked to do inventory before signing the form that listed only a hat and glasses so I called sheriff and he said its a civil issue although it looks like their is a statue that requires them to let me have access to my things and that Im not required to sign any waiver.  After checking BBB website I found many similar scenarios when people were intimidated to sign and after they realized things were missing they were out of luck some were convinced thats the companys insurance would cover any missing items but they were all denied and lost their things.  I had too many items and too much to lose to fall victim to that so I did not get my things and it has snowballed into no income since XXXX because no tools and no way to buy tools I had just been out of work XXXX  months from injury thats the reason for the loan so it had resulted in eviction from a home I have rented for XXXX years and now with repo and eviction my credit is just so low I could not get approved for a vehicle and with eviction and low score no rental leaving me homeless and still no tools.  If I could of got my tools when I showed up I could of saved it all I could of paid the vehicle to date and my rent but my hands were tied and by keeping me from my tools they finished me off then they sold the truck with no notice and they sold it too cheap now say I still owe half of the loan and judgement to collect more from me.  I had over XXXX in contents and the truck was worth XXXX the loan was for XXXX and they sold it at a private sale for XXXX but somehow I still owed XXXX  Now I get to be homeless and no job no transportation and I can not get any one to help me.  I hired an attorney that promised to get my truck and a check but no one even knew I was represented and the truck was sold and my tools still hostage with XXXX days left til they dispose of it all.  I cant afford to do anything to protect myself or hold them accountable.  My attorney says its not his job description to do discovery and emergency hearing to hear the merits or requested audio recording that proves payment was made and this was a fraudulent recovery followed by an illegal conversion of my personal items and tools.  Its 100% honest truth and I informed them I was recording and I have it recorded them acknowledging that I made payment and their claim call was dropped and disclaimer was not read to me so the payment was not recorded.  I find that very convenient and I would think common sense would dictate that a follow up call be made explaining they needed to read a disclaimer to access the funds.  Im not sure how I would know the difference because the call was not dropped and I was assured it was paid.  I can prove I had the funds and they do not deny I gave my payment info it just seems strange no follow up call and how fast they took the truck aXXXX XXXX XXXX morning.  I am in disbelief that I am going to be part of the homeless community and I feel like it really was not my fault.  I make a good wage but after XXXX  months injury and now over a month no tools or income I can not even afford food. I can only hang my head and join the homeless group cause I literally have no where to go and even if a rental was available it would not allow me with such low score and eviction to rent anywhere.  I truly loved my living arrangements and my neighbors its hard to say bye I feel like I was chosen to be picked out of my world and thrown  into a new world with new people and its gonna be a change.  Im used to working and paying bills I personally do not believe I deserve to end up in this spot but Im sure every one else does too.  That title loan literally killed me and drowned my company and its 100% honest truth every detail I repeated.  How do you fight that with no money and Im still on the mend and actually bad off cause Ive had to remove all my things from my house and my injuries are flared up I will have to heal again. I dont get my hopes up that you can do anything but I wanted to at least tell my story so if and when the next victim complains about the same thing maybe it will eventually draw the interest of some bystanders or officials perhaps.  That is not right and in my opinion needs to be thoroughly investigated.  Im on my way to live outdoors I have nothing to gain from making up some crazy story and as I said they do not deny I made payment and knew I recorded  the call saying that its all over this disclaimer and a call getting dropped at the best time possible with no attempts to call me to read a disclaimer.   You have to admit that sounds a little suspicious and to just snatch the truck out my driveway so quick after the payment attempt was made.   I can only speculate why no one called to read disclaimer so they could be paid.  I would really love to be made whole again and get my truck back as well as lost wages and future jobs along with reputation.  I really can not make this up its wild and they literally killed me indirectly and they obviously know Im broke and have no way to hire an attorney to go after discovery and noe of them care.  The finance company is XXXX XXXX XXXX XXXXnd the tow company is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation