Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting a formal complaint regarding the mishandling of my vehicle, misleading information provided by multiple parties, and threatening communications I am receiving about a vehicle that I no longer have possession of. 

Vehicle : XXXX XXXX XXXX Date of Drop-Off : XX/XX/year> Location : Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, FL ) Individual Making Threatening Claims : XXXX ( XXXX XXXX not provided ) Summary of Events XXXX. On XX/XX/year>, I voluntarily left my XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. 
The dealership told me they would work directly with XXXX XXXX to arrange for the vehicle to be picked up and returned. 
I was under the clear impression that the vehicle had already been collected by the finance company or their authorized agents. 
XXXX. I have since been contacted by a person named XXXX, who claims he is working with the XXXX XXXX and the courts to retrieve the vehicle. 
His messages have been threatening, and he is insisting that I must return the vehicle, even though I already left it with XXXX XXXX as instructed. 
XXXX. When I called XXXX XXXX XXXX XXXX for clarification, they informed me that the vehicle was towed by Knights Recovery in XXXX. 
XXXX. When I contacted XXXX  XXXX, they stated that they transferred the vehicle to someone else, and there is no clear documentation showing where the vehicle currently is. 
As of now, the vehicle appears to be lost or mishandled by XXXX or more parties. 



Consumer Protection Concerns I followed the instructions given by XXXX XXXX and acted in good faith. 
I am now receiving threatening messages about a vehicle I no longer possess. 
There is conflicting and incomplete information about who retrieved the vehicle and where it was taken. 
There appears to be negligence, miscommunication, or improper handling between XXXX XXXX, XXXX XXXX, and XXXX  XXXX. 
I am concerned about : Improper or fraudulent repossession practices False or misleading communications Possible violations of my consumer rights under federal and state law Potential harm to my credit due to mishandling by these companies Lack of a proper chain of custody for the vehicle Requested Resolution I respectfully request that the CFPB : XXXX. Investigate the actions of Auto XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  regarding the handling and location of my vehicle. 
XXXX. Determine whether the threatening communications from XXXX are legitimate or constitute unlawful harassment or debt-collection violations. 
XXXX. Require all involved parties to provide documentation showing the chain of custody, tow authorization, transfer records, and current location of the vehicle. 
XXXX. Ensure that I am not held financially responsible for a vehicle that was mishandled, lost, or mismanaged after I followed proper procedures. 
XXXX. Protect my credit and consumer rights during this investigation.

Company response to consumer: Closed with explanation