Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I entered into a contract with Westlake Financial in XXXX of XXXX as a result of a fraudulent car deal involving a floating title and numerous other issues with the vehicle, Westlake Financial made the dealership buy back the vehicle. The dealership had sold the car to me without a title. According to the law I am to receive back my down payment and payments made on the vehicle during the interim as the car was not driveable and the original contract deal had been returned to the dealership.Westlake Financial never returned my down payment nor the payments I had made for over an 18 month span on a non driveable, floating title vehicle.Where is my money? I put {$6500.00} down on the vehicle and made subsequent payments in the amount of {$5500.00}. Thats 18 payments at XXXX XXXX month for 18 months. When I call Westlake Financial to inquire about my account including where my check is for the money they owe me, I am told that they can not discuss the account with me any further and to check with the dealership. I have spent a long time trying to get this information from Westlake Financial, yet they refuse.My contract was not with the dealership. it was with Westlake Financial.

I never received a dealership reassignment letter from them nor have I ever signed any documents entering into a new contract with the same vehicle with the dealership or Westlake Financial. 
I am requesting the immediate return of my funds from Westlake Financial in the amount of {$12000.00} and my entire account records and file sent to me with all actions made on my account from start to close with Westlake Financial and XXXX. 

My claim is that Westlake Financial has participated in fraudulent activity in coercion with the XXXX dealership : XXXX. XXXX paid off the loan in XXXX of XXXX yet Westlake Financial updated my records to make it appear as if the loan had been paid off on XX/XX/XXXX please look at the attached below for example. 

XXXX upon further review with the motor vehicle administration of Maryland XXXX was noted that a lien release had been sent in on XX/XX/XXXX upon XXXX XXXX XXXX a bank has five days from the lien being paid off to release the vehicle in if in fact the vehicle was paid off in XXXX of XXXX why did the vehicle lean release taken till XX/XX/XXXX to be released. 
XXXX. After looking into this further I contacted the head of Investigations at the XXXX for Maryland it was noted that they claim the vehicle lien was transferred to XXXX. 
What happened? How was XXXX able to intercept my account without my permission and I was never nitified? 
I never received a reassignment letter and I never signed documents agreeing to a new contract to pay XXXX. 
therefore I should have received my down payment and payments made on behalf of XXXX XXXX in a lump sum of {$12000.00}. 
When I call or contact XXXX XXXX they refuse to answer any questions or send me any information on my account. This is a violation of The XXXX to Financial Privacy Act of XXXX requires financial institutions to provide consumers with their financial records if they request them. 
I entered into a contract with XXXX XXXX with a vehicle in which it was not disclosed to me that the vehicle had a floating title. 
The Maryland law that prohibits " floating titles '' or " title jumping '' is XXXX  XXXX XXXX XXXX XXXX XXXXhis section outlines the requirements for transferring vehicle titles and makes it illegal to avoid transferring a title. Specifically, it prohibits selling a vehicle without providing the purchaser with the properly endorsed and transferred title. - This voided our contract and my money should have been returned directly to me. It was not. Westlake financial failed to do this.I am requesting the immediate actions happen of : Return of my funds which include a down payment of {$6500.00} and 18 months of montlhy payments per our contract in the amount of {$300.00} monthly for 18 months.

Send my entire account records directly to me including all actions taken on my account from start to close bvia Westlake financial and XXXX. 

A detailed letter indicating why XXXX was required to buyback the car deal.

Company response to consumer: Closed with explanation