Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
OFFICIAL COMPLAINT TO THE CFPB Financial Institution : Westlake Financial Account Number : XXXX Consumer : XXXX XXXX XXXX XXXX Primary Vehicle : XXXX XXXX XXXX XXXX ( VIN : XXXX ) I am filing a formal complaint against Westlake Financial for collecting on a financing contract that is completely viciated from inception due to material misrepresentation of financial data and gross corporate negligence in collateral validation. My account is currently up to date ; I am not contesting my ability to pay, but rather the legal validity of the debt being collected. 1. Fraud and Material Misrepresentation on My Account : - Down Payment Falsification : The contract held by Westlake Financial falsely stipulates a cash down payment of {$3000.00}. Attached are bank records proving the actual payment made to XXXX XXXX was exactly {$1500.00}. The figures were deliberately altered by the dealership to manipulate and bypass the lender 's automated approval algorithms. Westlake is actively collecting on a contract based on fraudulent financial data. - Severely Inflated Collateral : Westlake approved and is financing a principal balance of {$15000.00} on a vehicle that official XXXX XXXX XXXX XXXX ( XXXX ) records designated as a Total Loss ( Salvage History ) on XX/XX/XXXX due to severe hail damage, months prior to the contract signing. The lender failed to perform basic due diligence to verify the vehicle 's history, forcing a consumer to pay full market value for a severely devalued and structurally compromised asset. 2. Evidence of Systematic Operational Pattern by Westlake Financial : My case is not an isolated administrative error. Westlake Financial engages in a recurring pattern of approving and collecting on fraudulent contracts involving manipulated down payments and total loss vehicles. As irrefutable proof of this systemic pattern, I am enclosing three official XXXX reports tied directly to this same financial institution : 1. XXXX XXXX ( VIN XXXX ) : Financed by Westlake ; officially registered as a total loss due to collision on XX/XX/XXXX. 2. XXXX ( VIN XXXX ) : Financed by Westlake ; officially registered as a total loss due to collision on XX/XX/XXXX. 3. XXXX XXXX ( XXXX XXXX ) : Financed by Westlake ; officially registered as a total loss due to collision on XX/XX/XXXX ( placed through a different dealership, proving a complete absence of internal auditing and validation controls by the lender ). 3. Evidence of Institutional Evasion and Indifference : I hereby formally state that I have exhausted all internal communication channels with the company without obtaining any resolution. On multiple occasions, I have complained directly to Westlake Financial agents, contacted the XXXX insurance personnel, and sent detailed emails to various departments within the institution. The lender 's stance has been absolute silence and systematic evasion. No representative has provided any response or shown the slightest interest in investigating the originating fraud exposed herein, forcing me to escalate this case to federal authorities due to their complete negligence and disregard.

Company response to consumer: Closed with explanation