Consumer complaint received 2025-06-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Westcreek Financial
State: TX

Complaint narrative:
Respected XXXX. My name is XXXX XXXX XXXX XXXX. 
My DOB is XX/XX/XXXX. 
Address is XXXX XXXX XXXX XXXX, XXXX, Texas Phone # XXXX I wanted to bring this to your knowledge that on XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, Texas. Phone # XXXX I went to get a replacement of a wheel bearing as it was needed. They also diagnosed some extra issues like XXXX XXXX, New Tires requirment and front right Axle change. They charged me {$350.00} in labor for XXXX bearing replacement and when I got the car back, I could still hear the sound and also the mechanic could too. The tires and wheel alignmemt has been correctly charged to me. They did not check the car before giving it back to me. When I confronted the owner about it he did not accept their unprofessionalism and gave me the car back with a bad wheel bearing which is very dangerous. The owner and I had a hard talk and a lot of verbal fight. He then told me to go and get the car fixed somewhere. He also tricked me into signing the bill before the service was even wrongly completed because I was new to paying through this shopping credit company called Koalafi whom this shop is linked with. This can be counter checked from the cameras inside their store that he processed the bill first before even starting work on the car. 


I then went to XXXX XXXX of XXXX located on XXXX XXXX XXXX, XXXX, Texas, XXXX. Phone # XXXX. XXXX XXXX of XXXX diagnosed that the first shop XXXX XXXX XXXX XXXX XXXX XXXX  did not correctly fix the wheel bearing problem. I have attached receipts of both the mehchanic shops as a proof. 

The method of payment to BOTH of them was through a Credit shopping company called Koalafi. I went to the other shop because the payment company I used is linked to both of these mechanic shops. 

I contacted Koalafi to dispute the payments given to XXXX XXXX XXXX XXXX XXXX Co for not completing the job correctly for the wheel bearing but they did not complete their research from the XXXX mechanic shop that I mentioned, WHICH IS ALSO CONNECTED to Koalafi. The lady handling my Dispute Claim in the Koalafi company did not complete her research and gave me the final verdict that I still will be respomsible to pay the XXXX XXXX XXXX XXXX XXXX Co. DESPITE the fact that they did not complete the job and also REFUSED completely to further fix what they have done wrong. She constantly repeated that I have to resolve my issue with XXXX XXXX XXXX XXXX XXXX XXXX but I told her that he is not prepared to talk to me, he is not refund anything and also refused to fix what they have done wrong. Her solution according to the company henceforth was not practically possible. All of this is on a recorded line from their end so anything I am claiming here can be heard and counter checked. The Koalafi company then held my XXXX XXXX Checking account and debit card hostage by NOT allowing me to remove that payment method and told me I still have to pay. Due to this my credit history got badly affected because I had to forcefully close that checking account and debit card. As I had to pay rest of the correctly charged amount, I could NOT give Koalafi company the details of my new card or bank to pay the correctly charged amount because they do not allow us to remove the payment methods so that they can forcefully me for something I am not responsible for. This company should be prosecuted for damaging my credit very badly and henceforth affecting my finances. They also are not allowed to keep our banking information forcefully kept and not allowed to be removed. 

As I need to pay the remaining correctly charged balance for both the shops, the Koalafi company needs to resolve this issue in my favour, not keep my card or bank info forcefully held and remove the wrongly added interest they are forcefully charging me for missing out on the payments I do owe. The problems that Koalafi company caused me have also resulted in forceful closure of my bank account of XXXX XXXX Checking and has severely damaged my banking relations and my credit profile. 


I am now also going to pursuing this matter in Small claims court against Koalafi for damaging my credit, affecting my finances and damaging my relation badly with the bank that I use. This kind of company should not operate in such an unlawful and unprofessional manner.

Company response to consumer: Closed with explanation