Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/year>, my car was gone from the driveway of my home once i woke up thinking i could go drive and grab breakfast. I had no knowledge of this happening or my car being in danger of it getting repoed. I had called Westlake Financial services a week or two before XXXX due to me being XXXX months behind on my payments. The agent gave me an extension for the first month and I was calling to set up a partial payment to be made for the other month. Their mobile app wasnt working, so i called to see if they could charge my card of {$470.00} on their end. She said she was happily able to do so and that it would be taken care of. After that, I thought I was in the green. Anyways, a week goes by and my car is gone. I call and ask why and they said because I was behind which I was aware of but wasnt aware that my car was going to get taken out of absolutely nowhere. The only solution they had for me was to pay the remainder of the loan left on the vehicle within XXXX days or they would have to auction the car and put the remainder balance plus a derogatory mark on my credit. They never told me that a right to cure or notice of repossession was sent to my address on file, which is by state law required. I never received one and never got it when i asked for it. I ended up having to tell them to auction my car given i dont have {$16000.00} casually lying around. Their support system and agents are the worst, they would call me nonstop the following week asking what i want to do and had to repeat myself constantly as if they dont mark/take note on anyones account. This repossession has caused me such a negative impact in my life, debt, stress, inabaility to drive and visit family, get around for daily needs etc. If i had received a Notice in the mail AS REQUIRED, then i would still have my car to this day.

Company : Westlake Financial ServicesIssue : Auto loan Repossession without required notice On XX/XX/year>, I woke up to find that my vehicle had been repossessed from the driveway of my home without any prior notice or warning. At no point was I informed that my vehicle was at risk of immediate repossession. 
Approximately XXXX to XXXX weeks prior to XX/XX/XXXX, I contacted Westlake Financial Services because I was XXXX months behind on my auto loan payments. During that call, the representative granted me an extension for the first missed payment. I then called again to arrange a partial payment for the second month. Because Westlakes mobile app was not functioning properly, I asked if the representative could process a payment of {$470.00} over the phone. The representative confirmed that she could do so and stated that the issue would be taken care of. Based on this conversation, I believed my account was being addressed and that my vehicle was not in danger of repossession. 
Approximately XXXX week later, my vehicle was repossessed without any notice. When I contacted Westlake to ask why, I was told it was due to being behind on paymentssomething I was already aware of and actively communicating about. The only option given to me was to pay the entire remaining loan balance of approximately {$15000.00} {$16000.00} within XXXX  days, or the vehicle would be auctioned and the remaining balance reported as a derogatory mark on my credit. 
At no point did Westlake Financial Services inform me that a Notice of Right to Cure or any notice of repossession had been sent to my address on file, which is required under South Carolina law. I never received such notice, and when I requested proof that it was sent, none was provided to me. 
Because I was unable to pay the full loan balance on such short notice, I was forced to allow the vehicle to be auctioned. Following the repossession, Westlake continued to call me repeatedly, often asking the same questions, indicating that my account was not properly documented or reviewed by their agents. 
This repossession has caused significant hardship, including financial strain, emotional distress, loss of transportation, and difficulty meeting daily needs and visiting family. Had I received the legally required written notice, I would have taken immediate steps to cure the default and would still have my vehicle today. 
I am requesting that this matter be investigated for improper repossession practices, failure to provide legally required notices, and unfair treatment. I am seeking appropriate relief, correction of any inaccurate credit reporting, and compensation for the damages caused by this repossession.

Company response to consumer: Closed with explanation