Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding my auto loan account due to undisclosed, inconsistent, and inaccurate repossession-related charges. Below is the timeline of events : On XX/XX/year>, my vehicle was repossessed after business hours. At the time, my account was approximately XXXX days past due, with a past due balance of approximately {$240.00}. On XX/XX/year>, I contacted Western Funding to determine the total amount required to reinstate and recover my vehicle. I was initially told a much higher amount ( approximately $ XXXX ), which I questioned due to lack of clarity. After further discussion, I was provided with a final reinstatement amount of {$920.00}, which included : {$770.00} ( past due balance + XXXX monthly payment ) {$150.00} ( tow/repossession fee ) This amount was also confirmed to me in writing. I paid the full {$920.00} as instructed. Before retrieving my vehicle, I contacted Western Funding again on XX/XX/year> to confirm whether any additional fees would be required. I was explicitly told that no additional charges would be due beyond the amount I already paid. Additionally, during this process, a representative stated that approximately {$400.00} could be placed at the end of my loan due to confusion about the total amount. However, the representative did not clearly explain what this amount represented nor why it was a suggestion on my account. After payment of the {$920.00}, I attempted to retrieve my vehicle immediately ( XX/XX/year> ). However, the repossession vendor ( XXXX XXXX ) required a scheduled appointment. The earliest available appointment was XX/XX/year>. This delay was not within my control. After retrieving my vehicle, I later discovered that additional repossession-related charges had been added to my account without disclosure. Specifically : My account was initially updated to reflect a repossession fee of approximately {$310.00} After I called to question this amount, it was later changed to approximately {$550.00} These charges include multiple line items such as repossession fees, storage fees, and taxes These charges were added after I had already paid the full reinstatement amount provided to me and was told by a representative, they were unaware of these fees at the time of repossession. I was never informed of these additional charges at any point prior to payment, including when I specifically asked if any additional fees would be required. I also requested documentation and verification that I was informed of these charges. Western Funding has failed to respond to my requests on multiple occasions. Instead of providing verification or addressing my concerns, they have only sent invoices from the repossession vendor and account payment history, which I already have access to online. Those invoices, which I have attached for review, show that XXXX XXXX charged for XXXX days of vehicle storage. This is inaccurate and does not align with the actual timeline. My vehicle was repossessed on XX/XX/year> and retrieved on XX/XX/year>, and the delay in retrieval was due to the vendors required appointment scheduling, not any delay on my part. Based on the timeline and receipts I am providing, it is not reasonable or accurate to charge XXXX full days of storage. These charges appear to be inflated and not properly calculated. I am now responsible for an additional {$550.00} in undisclosed repo fees. In addition : The amounts associated with these charges have changed without explanation The charges were not disclosed prior to payment I have not received a clear explanation despite multiple requests I have emailed both Western Funding and Westlake Financial and have not received a proper or meaningful response Issue Summary : I was approximately XXXX days past due with a balance of ~ {$240.00} I was provided a total reinstatement amount and paid it in full I was told no additional charges would be required Additional fees were added after payment without disclosure The amounts of these fees have changed over time Storage charges appear inaccurate and inflated ( XXXX days charged without justification ) The company has failed to properly respond or provide requested verification

Company response to consumer: Closed with explanation