Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
In XX/XX/year>, my son located a vehicle at XXXX XXXX XXXX XXXX. I accompanied him to the dealership with the intention of co-signing on an auto loan. After reviewing my sons credit, the dealership informed us that the available financing carried an interest rate of approximately 25 %, which we declined as unreasonable. At that point, the dealership representative, identified as XXXX, suggested that we instead complete the purchase using my credit and financial information alone. Throughout the transaction, XXXX was fully aware and acknowledged that : - The vehicle was being purchased for my son ; - My son would be the primary driver of the vehicle ; and - My son would be responsible for making the payments. Relying on the dealerships guidance and representations, I proceeded with the transaction under my name alone. Approximately XXXX weeks ago, I was contacted by a representative from Westlake Financial Services requesting personal information about my son. I declined to provide this information, as my son is not a party to the loan agreement. I did, however, explain that my son drives the vehicle and that the dealership was fully aware of this arrangement at the time of sale. Subsequently, Westlake Financial issued a Notice of Breach of Representation and Repurchase Demand to XXXX XXXX XXXX XXXX. This notice indicates that the dealership violated its agreement with the lender by structuring the transaction in this manner. As a result, the loan has been recalled, and the matter is now being addressed between the lender and the dealership. As a direct result of the dealerships actions : 1. Unaccounted Payments. My son has made approximately {$750.00} in payments toward this vehicle. These payments have not been properly accounted for in the lenders demand to the dealership and must be refunded or credited appropriately. 2. Deposit Loss. My son also paid a {$500.00} deposit to the dealership. Given that this situation arose entirely due to the dealerships misconduct and violation of its agreement with the lender, this deposit should be fully refunded. XXXX. Improper Loan Structuring. The dealership knowingly structured a transaction that violated its lending agreement, placing me at financial risk and causing disruption to both my credit and my sons use of the vehicle. This situation arose solely due to XXXX XXXX XXXX XXXXXXXX actions and guidance, and not through any fault of my own or my sons. We relied on the dealerships representations and were unaware that the transaction violated lending requirements. I am seeking assistance to recover funds and ensure accountability for these practices. I have made multiple good-faith attempts to resolve this matter directly with the lender, Westlake Financial Services XXXX Specifically, I have called XXXX different phone numbers associated with the company ; however, each call ultimately routes me back to the same system without providing access to a representative who can address my concerns. I have also submitted online inquiries requesting a return phone call to discuss the outstanding issues related to this matter, but I have received no response. Despite my repeated efforts, I have been unable to obtain any meaningful communication or assistance from the lender. At this point, I feel as though I have been placed in the middle of a dispute between the lender and the dealership, despite having no role in the underlying violation that triggered this situation. The issue appears to stem from the dealerships actions and its agreement with the lender, yet the consequences are directly impacting me and my son. As a consumer, I am uncertain how to properly navigate this situation, particularly given the lack of clear communication and guidance from either party. I am seeking assistance to ensure that my rights are protected and that I am not held financially responsible for circumstances beyond my control.

Company response to consumer: Closed with explanation