Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: AR

Complaint narrative:
> In XX/XX/year>, I purchased a vehicle from a dealership in XXXX, Arkansas ( XXXX XXXX XXXX XXXX  ) and financed it through Western Funding Inc. I was told to report a down payment of {$5000.00} to the bank, when in reality I only paid {$2000.00} which the dealer instructed me to lie about during the verification call. 

After signing the paperwork, a few weeks later the dealership disclosed that the vehicle had a salvaged title, which was not mentioned before the sale. The title itself was not received leaving me unable to legally register the vehicle in Missouri. They just kept sending me temp tags every 60 day until XXXX this year. Until they found out I had went to the Bank on them to see whats going on. After they told me they would auction the truck an I didn't have to pay the balance owed. Which sounded funny to me. 

The car is in extremely poor condition and unsafe to drive. It has : a missing airbags driver seat and passenger shakes violently at 60+ mph odometer discrepancy ( paperwork says ~102k miles ; actual mileage was 83k at time of purchase ) mismatched doors where the sealant wasnt done properly, faulty shifting, bad gas tank mileage is off by 50 miles, jerking during acceleration/deceleration a failed emissions inspection, making it unregistrable in my state. 


The dealer went out of business shortly after my purchase and reopened under a new name with the same family running it. They promised a vehicle swap after they promised repairs but their mechanic had quit on them so they never followed through and asked for another {$2000.00} to start a new deal, with the swap which I refused. The truck was older with more miles and I just don't trust them after this. 

I then contacted the bank and provided all supporting documents including text messages, proof of the $ XXXX payment, mechanical reports, and title delays. Despite this, I was passed from one representative to another and one dealer compliance guy to the next with no clear resolution was given. Then i told them i wasnt paying on it anymore and to come get it. Then they cleared my balance and they keep doing it to reset my history to kerp messing up my credit. Wont come get the truck. They clsim thry have a title noe but wont send it. I sent them a letter to fix the truck, to reduce the price, to fix the airbags, to tag it for me since its been a year and I'll need new documents and all now and nothing. No response no o e has sent a letter or email, just phone calls about payments. Some reps took no notes. One said they didnt know the vehicle was salvaged, another said I would still owe the full balance regardless. 

I am now being harassed daily by calls from the bank, despite the fraud report being open. Ive made it clear I no longer want the car, yet Im still being treated like I defaulted on a fair loan.

I am requesting a full investigation, that the loan be canceled or restructured based on dealer fraud, or just let go and i keep it to fo what i like with the vehicle and receive money owed to me for sll this harassment that I've received and that this account be removed from my credit report due to misrepresentation and unfair lending practices. 

Thank you They have all the documentation I've sent them numerous emails to XXXX and XXXX. 

-- -

Company response to consumer: Closed with explanation