Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CO

Complaint narrative:
Updated XX/XX/XXXX : My vehicle was repossessed with no sticker, door knock, phone call, or written notice. It was removed from my property without warning. I now have no transportation for my child or my job. This is the third time this has happened despite prior payments and communication. I believe this constitutes a breach of peace and wrongful repossession. 



In XX/XX/XXXX, I financed a XXXX XXXX XXXX through XXXX XXXX after my previous car was tampered with and my catalytic converter was stolen. I had no other transportation and urgently needed a replacement to maintain work and support my child. I did not know the vehicle was marked high risk of theft, which significantly raised my insurance cost. I paid $ XXXX for the vehicle and later over $ XXXX in insurance, making this vehicle unaffordable from the start. 

By XX/XX/XXXX, I was forced to leave my apartment and experienced a major housing disruption. During this same period, I fell behind on the loan and Westlake threatened repossession. On XX/XX/XXXX, I made a {$1300.00} payment to prevent them from repossessing my vehicle. Despite this large payment, they still charged me late fees afterward on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( {$15.00} each ). Ive also made other payments since, including {$300.00} on XX/XX/XXXX, to try to stay current. 

I requested help several timesasking for payment reductions, a hardship restructure, or a trade-in for something more affordable. Westlake only offered a deferral, but even after I paid the deferred amount, they kept calling me from unfamiliar and out-of-state numbers ( not their official contact line ) and said I still owed more. Their service is robotic and dismissive. They never asked how to actually help me.

They also repossessed my car without proper warning or mailing notice, charged me {$670.00} in towing fees, and had the vehicle taken to a location far outside my areaXXXX XXXX, COmaking it nearly impossible for me to recover it. When I asked where the car was, they refused to tell me over the phone, and I had to XXXX it myself to find XXXX XXXXXXXX XXXX XXXX. 

In XX/XX/XXXX, I contacted XXXX XXXX XXXX, P.C., a consumer rights law firm, to seek help regarding this loan. I submitted a written complaint to their office outlining everything, including my financial hardship and Westlakes unwillingness to offer real solutions.

This vehicle is only worth {$5000.00}, yet I still owe over {$14000.00}, and Ive already paid multiple thousands on top of insurance and fees. The interest rate is an outrageous 16.80 %, and I feel trapped in a loan I never would have taken if I had been told the truth or had other options. 

I am a single mother, working full-time as an XXXX delivery driver, and this vehicle is not a luxuryit is a necessity. I am asking for : A full loan review and fair payoff option based on vehicle value Refund or waiver of excessive towing fees A report investigation into Westlakes hardship policies, automated contact methods, and customer treatment I have records of all payments, calls, and hardship communication, along with legal correspondence. I am asking for a resolution that protects consumers like myself from being trapped in bad contracts when all we want to do is move forward in peace. 

I am urgently need to take action!!!! Because due to this and financial strain and trying to recover my life and fulling my purpose in life i

Company response to consumer: Closed with explanation