Consumer complaint received 2024-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I called Wilshire Consumer Credit to inquire about my recently repossessed XXXX XXXX XXXX XXXX XXXX ( VIN XXXX ) fair/good condition XXXX miles. I was notified that my truck was already sold for about {$5200.00} at a private auction. 

I was never notified of this sale by mail or phone, and the price it was sold for is SIGNIFICANTLY lower than any used vehicle value on this by at LEAST XXXX %. Even after calling XXXX they refused to provide any documentation on the sale or why it was sold at such a low value. 

The original loan amount was ** $ XXXX approximately XXXX years ago. Thousands of dollars in payments were made to XXXX. They stated AFTER selling my vehicle at an extremely under market value AND not providing me any info, that I STILL OWED over XXXX XXXX dollars that they charged off. 

This is absolutely beyond criminal. The amount of damage they have caused to my family ( husband and XXXX  children ), is beyond enormous. After paying them thousands of dollars on the loan at an 80 % interest rate they still continue to destroy my credit saying I owe them money. I only received this loan as an emergency to assist with paying a few months of my mortgage. Every time I call them they hang up if I or my husband ask simple questions. They will not provide me with auction info detailing the sale of the truck or etc. A few months prior they offered to settle the account for a little over {$6000.00}. Now that they have sold the truck without providing me a chance to even be there at the auction they are stating that offer is not valid. In total on a {$5500.00} loan they have received payments AND sold my truck for over {$10000.00} and they are still stating I owe more than {$5000.00} Please contact me via email or phone with any help for this. If this isnt criminal I dont know what is. I acknowledge I was struggling and missed multiple payments over the two years, but they repossessed my vehicle multiple times XXXX to XXXX  days of missed payments. Added in repossession fees and costs every time making it IMPOSSIBLE to pay off this 80 % interest loan for me after paying all fees and repossession costs multiple times. The blue book value of my truck is between {$14000.00} and {$17000.00}. They sold good condition perfectly running truck for a little over {$5000.00} ( allegedly ) without providing any auction information to my address which has not changed in 5 years. Upon calling XXXX and XXXX towing I still have not been provided any documentation on the sale. I was allowed to retrieve my property from the truck one time about a week after they towed it. I had mounted charges and after market lights they never allowed me to retrieve in the truck. At the tow yard no documentation or any information about the sale was ever given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation