Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Date : XX/XX/year> request for Pay Off letter for a payment to be sent for full discharge and acquittal of debt. 
Date : XX/XX/year> a certified receipt and Notarized lawful Tender of Payment was sent and received. 
Date : XX/XX/XXXX called to confirm payment was received. 
Date : XX/XX/year> at XXXX per USPS tracking conformation and certified mail express mail package was received. 
Date : XX/XX/XXXX called to confirm if payment was received. 
Date : XX/XX/XXXX called to confirm if payment was received and finally adjusted to the remaining balance. Was told nothing was received. 
Date : XX/XX/XXXX called bank to inform them I have conformation the Tender of Payment was received on the Date : XX/XX/XXXX called to request to speak to supervising agent and legal department which I was told is unavailable. I was informed someone from the banks legal department will call me regarding the payment. 
Date : XX/XX/XXXX sent certified copies of Lawful Payment via email to repossession company and The financial service/bank company with tracking number confirmation receipt Date : XX/XX/XXXX called for verification for payment received and balance of the account. 
Date : XX/XX/XXXX called for confirmation of final payment for release of Title and vehicle from repossession agent company. 
Date : XX/XX/XXXX called for confirmation of final payment for release of Title and vehicle from repossession agent company. 
Date : XX/XX/XXXX called and placed an online request from repossession agent company with documentation payment was sent and received by their partnering bank. 
" Denial message '' Date : XX/XX/XXXX requested an appointment to pick up vehicle via the repossession agents online system. " Denial message '' Time : XXXX Date : XX/XX/XXXX Received a " Recovery of Property Appointment CONFIRMED for the account at XXXX was sent via text. Time : XXXX Date : XX/XX/XXXX Travelled to pick up property arrived at XXXX. I was told by agents that the vehicle was shipped earlier in the morning to another location for auction. My property was removed from the vehicle and packed in bags. The vehicle which was to be cleared of the debt lawfully by way of the customers good faith and credit own collateral. 

The following has been noted and expressed for lawful remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Checks, drafts, money orders, and bank notes are not lawful money of the United States. State v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issuance to reserve banks ; nature of obligation ; redemption XXXX XXXX Letter of Credit Credit Confirmed A national bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX not accept the negotiable instruments under the Uniform Commercial Code ( UCC Article XXXX ) Lawful Tender of Payment for full settlement under 50 U.S.C 4305 ( b ) ( 2 ) Refusal of proper tender stops interest accrual, discharges related sureties or endorses, and my fully discharge the debt to the tender 's extent ( UCC 3-603 ( b ) ).

National and state-chartered member banks and the Federal Reserve System are subject to a comprehensive web of regulations. Failure to comply can result in severe consequences and penalties. This is a complaint with a faith in a request for redemption and remedy.

Company response to consumer: Closed with explanation