Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Westlake Financial for their unlawful and predatory practices regarding my auto loan account ( Account No. XXXX ). I am a XXXX man who has been diligently paying my loan for my XXXX  XXXX XXXX, even paying months in advance at times. However, due to my inability to work and financial hardship, I fell behind on my payments. 

Despite my efforts to communicate with Westlake Financial and request assistance to restart and catch up on my account, I was never informed that my account was being charged off. I only discovered this when I received a settlement offer demanding a lump sum payment of XXXX, XXXX t o r e s o l v e a n o u t s t a n d i n g b a l a n c e o f XXXX. This is unacceptable and unlawful. 

Key Issues : Lack of Communication : Westlake Financial charged off my account without notifying me via email, letter, or phone call. I was never given the opportunity to address the delinquency or make arrangements to bring the account current. 
Predatory Practices : The sudden demand for a lump sum payment is predatory and exploitative, especially given my age and financial situation. I am unable to pay this amount upfront and was never given the option to resume regular payments. 
Unlawful Charge-Off : Charging off an account without proper notice or opportunity to resolve the delinquency is a violation of consumer rights. This practice is harmful and unfair to consumers like me who are willing to work toward resolving their debts. 
Request for Resolution : I am requesting the following actions from Westlake Financial : Remove the Charge-Off Status : My account should not have been charged off without proper notice or opportunity to resolve the delinquency.

Allow Me to Resume Payments : I want to restart my payments and bring my account current. I am willing to work with Westlake Financial to establish a reasonable payment plan.

Provide Documentation : I request written documentation explaining why my account was charged off and how this decision was made without my knowledge.

Cease Predatory Practices : Westlake Financial must stop engaging in predatory practices that harm consumers, especially vulnerable individuals like myself. 
Background Information : Account Number : XXXX Vehicle : XXXX  XXXX XXXX Outstanding Balance : {$7200.00} Settlement Offer : {$5400.00} ( which I can not pay ) Contact Attempts : I have called Westlake Financial multiple times to request assistance but have been met with unhelpful responses and no resolution.

I am deeply distressed by Westlake Financials actions and their disregard for my rights as a consumer. I urge the CFPB to investigate this matter and ensure that Westlake Financial is held accountable for their unlawful and predatory practices. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation