Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Pl Kansas XXXX, KS XXXX United States XX/XX/year> Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Re : Account # [ Insert Account Number ] Formal Dispute, Harassment Complaint, and Settlement Enforcement To Whom It May Concern, I am writing to formally dispute the alleged balance of {$8000.00} you are now claiming on my account. This demand is inaccurate, unfair, and deceptive, and I am requesting immediate correction. 

When I purchased the vehicle tied to this loan, I was misled. I was given false information that the car carried a clean title and inaccurate mileage, when in fact it was a salvaged title vehicle with diminished value. These misrepresentations go directly against consumer protection laws and demonstrate a lack of good faith from the beginning of this loan. 

In addition, my vehicle was later involved in an accident. My insurance company cut me off due to issues I disclosed to your representatives. At that time, I explained my circumstances, and your staff acknowledged the hardship. They extended me a settlement offer of {$2800.00}. I was explicitly told that this settlement would remain valid for one year. 

Due to my financial hardship, I was unable to pay the {$2800.00} immediately. However, I relied on the assurance that I could satisfy this account within the year once I was able. Now that I am in desperate need of a new vehicle and ready to resolve this matter, your company is refusing to honor that agreement and is instead attempting to charge me {$8000.00}. I was told this is because of new management. Not only is this unethical, it is unlawful. 

On top of this, I have endured harassment from your company through relentless phone calls and repeated emails. Many of these communications were rude, disrespectful, and threatening. I have been left shocked and emotionally distressed by the treatment Ive received. Rather than working with me in good faith to resolve this matter, your staff chose to demean me and pressure me unfairly.

Accordingly, I demand the following : 1. Honor the {$2800.00} settlement offer that was extended to me and confirmed as valid for one year.

2. Provide a full debt validation including itemized accounting of the alleged {$8000.00} balance, with clear documentation of how that figure was reached.

3. Immediately cease all harassing phone calls and emails. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that all future communication be made in writing only.

4. Correct any false reporting to credit bureaus related to this account.

Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office in both Kansas and California. I am also prepared to pursue legal action for misrepresentation, breach of agreement, and harassment. 

I expect a written response within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation