Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Regarding account XXXX. This has been ongoing since beginning of XXXX. Westlake Financial is the WORST company ever! As of this date not ONE item that I have requested has been given to me. They locked me out of my account and changed the status of loan on my credit report. They have broken SO many laws it is not even funny! They dismiss me because # XXXX, I am woman, # XXXX I am doing ALL of my legal work myself, because I know exactly what I am doing. I have done each and every step as I am supposed to and they have not complied with ONE thing! I submitted a complaint before that was closed due to a woman with the Indiana AG 's office that I had reached out to for help. She not only did not help me but submitted this without my consent or permission, which led to you closing my complaint!!! They repossessed my vehicle fraudulently not once but twice! this is all documented. Every single person I have interacted with through Westlake has lied, given me the run around, lied to me, not helped me at all! Because of the numerous consumer laws and Indiana laws they have broken too many to state, but I could not even drive the vehicle when I got it back the first time it got repossed. Got it back XX/XX/XXXX, and as of XXXX they had YET to mail me my reinstatement paperwork, but expected payment for a vehicle I could not XXXX XXXX. I mailed a Letter of Rescission, had it notorized and gave them a deadline of XX/XX/XXXX to respond. This entire time as a single mother have not been able to work, not able to move from a mold ridden apartment, being able to go see my termanilly I'll father, who died XX/XX/XXXX, my cat died unexpectedly XXXX weeks prior. This has impacted bot my daughter and my mental health a lot! So we have basically been stuck at home since XX/XX/XXXX. I still not hear anything. I looked up the XXXX employees and I chose to email the CEO, XXXX XXXX and a member of their legal team. Of course the CEO is too important to admit misconduct, but did forward my email to the Director of Compliance, XXXX XXXX. He has YET to do his job, let alone ANYTHING but dismiss me, dismiss these claims on EVERY level, and has taken NO accountability whatsoever for his companies misconduct. This has been going on too long, and I have given these individuals MULTIPLE chances to make things right and they choose to dismiss me, treat me as if I am nothing and our lives mean nothing. This company has a horrible reputation of these sorts of things and the fact that I have documented every single thing and been very professional and they continue to treat me as if I do not matter is beyond unacceptable! I have done every legal thing myself and in the correct manner and I have no problem taking them to arbitration! I have given XXXX XXXX multiple chances to make this correct and he keeps acting as if it will just go away. The CEO randomly sends me auto responses starting he's " out of the office '', but checks his email, and also leaves his cell number. I have kept it very professional. I could have text him on the weekend or evening, but I have been the adult and professional one during this entire process. Over and over I'm told to have my lawyer contact them, but again I am doing ALL MY LEGAL WORK MYSELF!!! There is no law saying that I have to have a lawyer, and for all he knows I could actually have a legal background? Again they apparently have some sort of discrimination with me? I have been treated unfairly and unjust for too long now and if I do take them to arbitration they will end of paying A LOT more money than if they choose to settle now. I had advised them that I would file this complaint, as well as complaints with the FTC, DOJ, FBI. I know for a fact that these agencies investigate identity theft, fraud, cooperate misconduct ( there have been multiple class action lawsuits filed against Westlake Financial ), Consumer financial crimes. Knowingly committing violations against consumers, therefore breaking multiple laws within the FCRA and FDCPA. They have been provided documentation regarding my claims, yet they have yet to comply with one thing I have requested. They assume I will go away and I will not allow these actions to go away by any means!!! The fact that this company gets away with such practices is completely disgusting! Again, I have every right to complete all of this legal work myself and again I will not go away. This company has more than caused me stress, it has not only impacted my life, but my daughter 's life as well. They need to be held accountable. If they are going to break all these laws and chose to treat their consumers as they do, then they need to face the consequences, not just blow a person off. It is complete disrespect. Treat others the way you want treated, yet the PURPOSELY hurt and PURPOSELY seek out their consumers to commit fraud and break multiple laws. I am beyond exhausted! I can not even begin to grieve for my losses because I am still having to deal with these unethical excuses for human beings, and that is putting it nicely. The XXXX employees who have yet to acknowledge or even respond are as follows. XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, and last but not least XXXX XXXX ( Director of Compliance ) XXXX I will also attach the Letter of rescission and my demand letter. If any other items are needed feel free to ask. I want to add the fact that I feel extremely discriminated against!!! Clearly it shows in the actions of this company and these individuals. THey prey on innocent people and it is wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation