Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: PA

Complaint narrative:
CFPB Submission Master Complaint XXXX XXXX XXXX I am filing this complaint regarding unlawful debt collection and lender misconduct involving a XXXX XXXX XXXX XXXX  financed through Westlake Financial Services XXXX The original issue began with a major engine and water pump failure that should have been covered under the dealerships warranty. The dealership, however, refused to honor the warranty and ignored my repeated requests for documentation, proof of work, or repair receipts. Despite numerous attempts to obtain this information, they never responded or provided clarity and ultimately, the dealership disappeared entirely, leaving me with no way to resolve the warranty dispute or obtain the documentation I needed. 

This situation left me without transportation and directly caused significant financial harm, including lost wages and missed employment opportunities. I communicated these facts to Westlake Financial and explained that the dealerships failure and eventual disappearance caused the entire dispute. Despite this, Westlake refused to assist, investigate, or offer any form of resolution. Their representatives remained solely focused on demanding payment, ignoring the context and circumstances that led to the problem. 

At the time this occurred, I was between XXXX and XXXX XXXX XXXX and this was my first vehicle purchase. I was completely unaware that I could file a formal complaint, seek legal remedies, or sue for damages caused by this situation. I was heavily taken advantage of by the dealership, the lender, and the subsequent debt collectors, all of whom used my inexperience and lack of knowledge against me. This has resulted in long-term harm to my finances, employment opportunities, and overall well-being. 

Now, XXXX XXXX XXXX is attempting to collect on this charged-off account, even though the debt is disputed and may be legally unenforceable. I have reason to believe this debt constitutes zombie debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), and XXXX has continued collection attempts without providing proper validation or proof of ownership as required by law. 

I am requesting that the CFPB investigate Westlake Financial, XXXX XXXX XXXX, and the dealership involved for violations of the FDCPA, FCRA, and relevant consumer protection laws. Specifically, I am demanding : ( 1 ) immediate removal of this debt from my credit reports, ( 2 ) a full investigation into the actions of Westlake Financial, XXXX, and the dealership, and ( 3 ) full consideration for compensation for the wages, time, and opportunities I lost as a direct result of their actions. 

This situation has caused me ongoing financial and personal harm, and I ask that the CFPB take immediate action to hold the responsible parties accountable and enforce my rights under federal law. I am submitting this complaint in good faith requesting CFPB enforcement of my rights under the FDCPA, FCRA, and all applicable consumer protection laws. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation