Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: AR

Complaint narrative:
Dear Compliance Department, I am submitting this formal complaint regarding my auto loan account with Westlake Financial Services, which is connected to the purchase of my XXXX. The XXXX was financed in XX/XX/XXXX at a dealership in XXXX, Texas. My experience has involved fraudulent misrepresentation, withholding of critical documents, unauthorized changes to my loan terms, and most recently, the wrongful repossession of my vehicle all of which are clear violations of federal and state consumer protection laws. 
1. Fraudulent Misrepresentation at Loan Origination At the time of purchase, the dealerships sales representative falsified information on my loan application without my consent or knowledge in order to get the deal approved. 
When I discovered these misrepresentations, I immediately requested corrections. The salesperson admitted to lying on the application but refused to correct the documents and further withheld the original sales paperwork, preventing me from reviewing or disputing the false information. 
Violations : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Lenders are required to provide accurate, truthful disclosures of loan terms and credit information. False information constitutes fraud and misrepresentation. 
Texas Business & Commerce Code 27.01 Knowingly making false representations to induce someone into a contract is considered statutory fraud. 
Texas Finance Code 348.005 Buyers must be given a copy of the retail installment contract at the time of signing. Withholding it is a direct violation of Texas law. 
2. Withholding of Sales Documents Despite repeated requests, I was never provided with copies of my full sales paperwork, including the original loan application and sales agreement. 
Violation : Texas Finance Code 348.005 and Texas Administrative Code 84.204 require that a borrower receive full documentation to verify and confirm the terms of their contract. 
By withholding these documents, the dealership and Westlake Financial deprived me of my legal right to review and dispute fraudulent terms. 
3. Unauthorized Due Date Change Without Consent In XXXX, I formally requested a due date change. Initially, my request was denied. However, after four months, the due date was changed without my knowledge or consent, and without providing proper notice or communication. 
This sudden, unapproved change disrupted all of my payment arrangements, causing missed payments and subsequent financial harm. 
Violations : TILA Regulation Z ( 12 CFR 1026.17 ) Creditors must provide clear written notice of any changes to repayment terms, including due dates. 
Altering the due date without my consent constitutes an unauthorized modification of the loan terms. 
Texas Finance Code 392.304 ( a ) ( 19 ) Prohibits creditors from misrepresenting the character or terms of a debt. 
4. Wrongful and Unlawful Repossession Following the confusion caused by the unauthorized due date change, Westlake Financial wrongfully repossessed my vehicle without providing proper notice or an opportunity to cure the default. 
I was never given written notice of default or a right to reinstate the account, and the repossession was carried out without adherence to the proper legal process. 
Violations : Uniform Commercial Code ( UCC ) 9-611 & 9-614 Requires creditors to provide reasonable notice before repossession and sale of the vehicle. 
Texas Finance Code 348.501 & 348.512 Texas law requires lenders to send a pre-repossession notice and post-repossession notice of sale. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d-f Prohibits unfair, deceptive, or abusive practices in the collection of a debt, including wrongful repossession without due process. 
The repossession caused severe financial hardship and emotional distress and was a direct result of Westlake Financials failure to follow consumer protection laws.

Company response to consumer: Closed with explanation