Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Consumer Complaint against Westlake Portfolio Management In XX/XX/XXXX my account with US auto sales showed a balance of XXXX dollars and account closed. At this point, I was thinking that my account was paid in full, and that my balance was XXXX dollars. I was thinking that US AUTO SALES had credited my account for the extra month which was not supposed to be in my contract in the first place and an extra $ XXXX dollars added in contract fees and vehicle service fees that I had told them I did not want and asked them to remove from my contract which they said they would remove them the next day and they never did. 
Then I started receiving phone calls from a strange phone number that I did not know they didnt leave a message, but they continue to call back-to-back so when I did decide to answer the phone call, the person stated that they were calling concerning my extended warranty, and I told him that I didnt have an extended warranty. Then they requested that I give them my personal information like Social Security numbers, birthday phone number address, and all my personal information which I refuse to give it to them, so they hung up. They called back the next day from the same phone number and they stated that they were calling concerning my automobile and they wanted to know if my automobile been repossessed and I said no then they asked me for personally information again all again, so Social Security number birthday phone address, emails, and all this other information, and I refuse to give it to them. They hung up then they called back from the same number for the third time this time they were saying it was a collection agency for US auto and they was calling for me to send them a payment with the XXXX XXXX  it to them on the phone I refuse to because they would not give me any information I asked them who are they ask them how did they get my information? I told them that I needed some information from them my contracting everything with the company so I gave them my email my address to mail it to ask them to send me a copy of everything either to my email or send me a text picture to my phone or they could mail it to the address and they never sent anything but they did call back the next day saying that they my contract from US auto sales at that time. I told them again that I was not sending them any money until they send me documentations a copy of the contract a copy of whatever they got from US Auto Sales and Finance when they made that purchase or if they made that purchase and I needed that before I make a payment so I would know that I was not being scammed. Everything that Westlake Portfolio Management said from day 2 led me to believe that they were scammers and they did not send me any documents to prove otherwise not by mail neither by my phone text screenshot picture neither to the address but, they continue to call and call every day all today so at that time I told them until they send me some information of proof as to who they are and proof that they do have a legal binding contract entitling them to get money from me, to do not call my phone number again they stopped calling during the daytime, and they start calling me every night like clockwork exact same time from the exact same number every night for XXXX nights in a row. These calls were very annoying, stressful disturbing and I could not focus nor contrate it was mentally debilitating. I could not go about my daily activities and work, so I decided to just ignore them they were not sending me the documentation of proof which I needed. 
During the mean time I was still trying to contact US Auto Sale and Finance by phone, and I was getting no answer. I tried to contact them by going to the business and I found out that the business was closed. There were locks on the gate and no cars in the parking lot so then I started asking people about this company what happened to it and whats going on and no one knew so I started googling it trying to find out where it went and whats going on with my account thats when I found out that these people had filed bankruptcy in XX/XX/XXXX and I was not notified and I got nothing from them at all except continuing to accept my payment through the automat up until it would not take the payment anymore. 
In XXXX the last XXXX days of XX/XX/XXXX, while monitoring my credit report account, I noticed some activity in my XXXX credit account which was being done by Westlake Portfolio Management. They were going into my credit report every day. Each day they went in there they went under the information that was under US auto Sales, the company which I had purchased my auto from back on XX/XX/XXXX. Each day they went into my credit report, they change the information that was under the US auto sales account and put their name on the top of it. They went in the next day, and they took US auto sales name off the credit report and left their name there. then the next day they went in there and they took the terms for the contract which was 71 months and changed it to 150 months, but it was supposed to be 65 months which was still more than I was supposed to be paying, minus the extra weeks which added up to more multiples months due to US AUTO SALES writing my 4 year contract up with bi weekly payments instead of the monthly payment plan we agreed on before preparing the contract which made me have to pay more years that we agreed and more for the vehicle than the {$12000.00} minus the {$1000.00} internet price, which I would have paid XXXX minus my down payments. US AUTO SALES and change it to 150 months. then they went in and put a past due amount for {$1300.00} dollars. The next day they went in, and they put delinquent the next day they went in there and they put derogatory status and then on XXXX morning around XXXX XXXX in the morning they came and carried the information down to the courthouse and repo my vehicle. They had a towing company name XXXX XXXX, which is in XXXX Georgia to come out and take my vehicle during the night without contacting me. Note at this time West Lake Portillo Management had not sent me any documents nor had the property informed me of exactly who they was nor truthfully told me why I should be sending their money. I found out exactly who West Lake Portfolio Management is by contacting CFPB to see if they could find XXXX XXXX / Financing and Find out who was West Lake Portfolio Management was. 
On XXXX  morning I went out to get into my vehicle and it was gone. I called the police bank and that someone had stolen. They told me that someone had it and they gave me the name of the people who had repo it and a phone number to call them and contact them. I called XXXX XXXX that morning and told them I was coming to pick my vehicle up. They said that I couldnt come and pick it up because I needed to schedule an appointment. I asked them to schedule an appointment. 
They said they had no appointments for that day, I asked them to schedule an appointment for Saturday to pick it up. They said they didnt have no appointments for weekends because theyre closed on weekends. I asked them to come and pick it up for Monday and they refused to give me appointment to pick it up Monday. 
She finally gave me appointment 12 days out Deliberately holding my vehicle for 12 days so it would run up a charge so they could charge me for repo and storage fees. I did not know that they were charging me for this I was told by Westlake portfolio management to pay the {$1300.00} dollars to get the vehicle back and the notes would be caught up. I was never behind on my notes. And that was the only way that they were going to get my vehicle release. But, when I called them to make the payment, they refuse to take the payment on my credit card. They want it strictly from my bank debit card, bank account information or my checking account information to so I have the money on a prepaid credit card that I could pay them, and he refused to take it. So, I call back, and another lady told me that I did not have to pay the {$1300.00} and something I could pay the {$1000.00} thats, all I was supposed to be paying on my payments for them to release my vehicle. 
So, on XXXX XX/XX/XXXX I paid the {$1000.00} for my payments and went and pick my vehicle up. My payment is {$430.00}. 
XX/XX/XXXX, Account showed a balance of {$1200.00}. 
XX/XX/XXXX made a payment of XXXX, balance should show {$8100.00}. 
XX/XX/XXXX made a payment of {$440.00}. Balance should show {$7700.00}. 
XX/XX/XXXX made a payment of {$440.00}, balance should show {$7200.00}. 
XX/XX/XXXX made a payment of {$440.00}, balance should show {$6500.00}. 
XX/XX/XXXX made a payment of {$430.00}, balance should show {$6300.00}. 
XX/XX/XXXX made a payment of {$430.00}, balance should show {$5900.00}. 
XX/XX/XXXX made a payment of {$430.00}, balance should show {$5500.00}. 
Then sometime in late XXXX I decided to check on my balance, and I noticed my balance was not moving. I called them to ask them why my balance was not moving, or the money that I had paid, was not showing in the balance of my account, and I was told that they were having problems getting reports to the credit bureau. Give it a couple of months and they would be able to correct it then in XXXX I noticed it still was not the same thing so each time I call these people to question where was my money going because it was not showing up in the balance of my account they went into my credit report hit my credit again not my credit down from a XXXX all the way down to a XXXX they went in there and they put delinquent on there. They went back in there the next day and put a foreclosure behind the repossession. I have never gotten a mortgage from these people where they would have to put a foreclosure on my credit. They were intending on destroying my automobile credit and then turn around and going to destroy my Mortgage credibility credit. These peoples maliciously intentionally purposely went in here, and destroyed my credit, and miss use of funds that was given to them to put on my balance was not all put toward my balance. My account was not showing the payments that I made in addition to that they continue to use repo, and all these other derogatory credit remarks in my credit to keep me from rebuilding my credit at the point that I was trying to rebuild it They reported this to all three credit bureaus, and they took everything from US auto off my credit report and left their name on top of it, and they removed all of the good credit from US auto which is still showing on one of the other credit bureau as XXXX balance and account closed. I want these people at Westlake portfolio management to report my credit properly restore it back to the XXXXcredit score which it was and remove all this negative malicious lying falsified information that they have on my credit report off. Westlake portfolio management went into my credit report almost every day, and every time I call them to question them about where my money going my payments that was supposed to be made, putting towards the balance was going and was not showing up in my credit report they were going into my credit report. Put something negative in there And knock my credit score down some more and lie that they could not go in to change the information or to go in and show my payment because they were having problem getting into it but yet they was able to go in there every day to put something negative in there, and every time that I called them to question them about it. 

Page one evidence that my account was not with XXXX portfolio management as they lied and said that they open an account with me in XX/XX/XXXX when they only been in business since XXXX, XXXX, XXXX. 
Page XXXX evidence shows that my contract with U S Auto Sales and finance with modified to the 65 months which it was supposed to been XXXX, not XXXX XXXX years. Which they said that they will credit it back at the end of the contract because they could not modify the contract twice. Westlake portfolio management Increased it XXXX months. 
I am asking you all to please, Remove the late payment for XXXX and XXXX of XXXX from my credit bureau accounts, Remove the repossession/foreclosure and Restore my credit score back to the XXXX which it was at the time that Westlake Portfolio Management maliciously , retaliation, intentionally and purposefully destroy my credit on purpose because, they saw mortgage companies inquiry on my credit reports, and they knew that I was in the process of buying a house. 
This retaliated action of Westlake Portfolio Management is preventing me from purchasing my house. 
If you feel that you need more documentation, please feel free to contact me and let me know. 
Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation