Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
* * * CRITICAL INTAKE ALERT : PREVIOUS COMPLAINT CLOSED IN ERROR. DO NOT AUTOMATICALLY CLOSE. THIS IS A NEW, INDEPENDENT CAUSE OF ACTION * * * I am filing this completely new complaint because the CFPB XXXX previously closed my update in error, operating under the false assumption that this is a duplicate issue. Furthermore, the lender, Wilshire Consumer Credit, is actively lying to regulators by claiming this is the " same issue '' responded to in XX/XX/XXXX. LET ME BE ABSOLUTELY CLEAR TO THE INTAKE XXXX : This is NOT the same issue. The XX/XX/XXXX case ( Complaint ID : XXXX ) was about original loan terms and interest caps. This NEW complaint is an entirely separate, independent event regarding ILLEGAL RETENTION OF PROPERTY AND FINANCIAL EXTORTION AFTER A XXXXXXXX XXXX FULL PAYOFF WAS RECEIVED IN XXXX XXXX. XXXX is legally obligated to respond to this fresh violation. XXXX. Verifiable Timeline of This NEW XXXX XXXX Violations : * XX/XX/XXXX ( XXXX AM ) : My official redemption cashier 's check for the contractually guaranteed amount of {$11000.00} was successfully delivered to XXXX via XXXX Overnight. A XXXX employee named XXXX physically signed for it. * XX/XX/XXXX XX/XX/XXXX : XXXX completely failed to locate or process these certified funds inside their own facility for XXXX days. * XX/XX/XXXX ( Night ) : XXXX finally processed the check, bringing my online portal balance to {$0.00} on XX/XX/XXXX. Because of XXXX 's administrative negligence, they have created an unlawful delay in releasing my vehicle. As of today, XX/XX/XXXX, it has been 10 days since they took my {$11000.00}, and they are still holding my car XXXX. This withholding of fully paid property did not happen in XXXX is happening RIGHT NOW. XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : During their internal XXXX processing delay, XXXX altered my account ledger and demanded an unexpected, unauthorized {$340.00} increase on top of the finalized written redemption total. Out of sheer duress and fear that they would illegally sell my vehicle due to their own tracking errors, I followed their instructions and paid this additional {$340.00} via XXXX on XX/XX/XXXX ( incurring an additional {$21.00} processing fee ). This extortion occurred in XX/XX/XXXX and requires a completely separate investigation and response. XXXX. Property Relocation Notice Violation ( XX/XX/XXXX ) : Per the official " Notice of Intent to Dispose of Motor Vehicle '' provided by XXXX, the vehicle is contractually and legally required to be returned to me at the designated lot located at XXXX XXXX XXXX, XXXX, CA. However, XXXX XXXX XXXX staff in XXXX, CA, has explicitly confirmed that my vehicle is currently physically sitting on their lot in XXXX. XXXX has unlawfully moved the vehicle to an unnotified location outside of the contract terms. CONCLUSION & DEMANDS : Closing this complaint as a duplicate allows XXXX to hide behind a completely unrelated XXXX file while actively keeping my fully paid vehicle XXXX today. I have attached the XXXX delivery signature, the XXXX official payoff check, and the XX/XX/XXXX XXXX receipt as absolute proof. I require a formal investigation, a mandatory corporate response from XXXX to this specific XXXX incident, the immediate/unconditional release of my XXXX XXXX XXXX XXXX to the XXXX lot XXXX {$0.00} due, and full restitution of the extorted {$360.00}.

Company response to consumer: Closed with explanation