Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I am filing this complaint against Westlake Financial Services for multiple violations of federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), Uniform Commercial Code XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These violations culminated in the wrongful and unlawful repossession of my vehicle on XX/XX/year>, by their agent XXXX XXXX XXXX. 

Timeline of Events : XX/XX/year> : I sent a USPS postal money order to Westlake as tender of payment, endorsed and with a notice of tender. 

XX/XX/year> : The money order was delivered and signed for. 

XX/XX/year> : The money order was cashed by Westlake, effectively discharging the debt. They continued to claim arrears anyway. 

XX/XX/year>, my account still showed an arrears balance of {$2600.00}. 

XX/XX/year>, Balance dropped to {$620.00}, but my ability to pay was blocked. 

XX/XX/year> : I was locked out of my account with a message saying, your account requires special handling. 
In a subsequent call, Westlake verbally stated the account was closed, marked charge-off, and all repossession activity canceled. I never received written confirmation, violating XXXX XXXX and RS Mo XXXX. 

XX/XX/year>, their agent XXXX XXXX XXXX, trespassed on my secured, fenced property and attempted repossession without documentation a breach of peace under XXXX XXXX ( b ) ( XXXX ) and XXXX Mo XXXX. 

XX/XX/year>, I emailed Westlakes legal department and customer service, notifying them of my forthcoming debt validation demand. 

XX/XX/year>, I sent a certified and notarized debt validation notice under FDCPA 1692g ( b ), demanding full validation and prohibiting further collection activity until satisfied. I also sent a written revocation of the alleged prior verbal cease and desist order, with conditions requiring all communication by email or XXXX XXXX  only, reserving all rights. 

XX/XX/year>, Westlake received and signed for my debt validation and revocation notice. 

Despite this, on XX/XX/year>, my vehicle was wrongfully repossessed by XXXX XXXX XXXX, acting on Westlakes behalf, despite no validation, no notice, and while collection activity should have ceased. 

On XX/XX/year>, I spoke with a supervisor named XXXX XXXX, who falsely claimed that Westlake had not received any of my certified notices or emails. I informed him of the exact dates, times, and delivery confirmations proving they had in fact received them. I also have email delivery and read receipts confirming Westlake received and opened my emails, despite his denial. 

Violations : FDCPA 15 U.S.C. 1692g ( b ) : Continuing collection activity, including repossession, after receiving a written debt validation request, without providing validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Failure to send required written notice of default and repossession. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Breach of peace by, XXXX XXXX XXXX unlawfully entering secured, fenced property during repossession attempt. 

Bad faith and conversion : Accepting payment that settled the alleged debt and continuing to treat the account as delinquent, blocking payments, then seizing the vehicle. 

Relief Sought : I am requesting the following remedies : Immediate investigation of Westlakes violations.

Immediate return of my vehicle. 

Confirmation that my account is closed and settled, with all negative credit reporting removed. 

Sanctions and fines as appropriate under FDCPA, XXXX, and XXXX XXXX 

Westlakes actions caused me significant distress, loss of transportation, and financial harm. Their disregard of statutory obligations shows bad faith and unlawful business practices.

Company response to consumer: Closed with explanation