Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint against Westlake Financial regarding an auto loan for a XXXX XXXX XXXX purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Florida. I believe the contract was funded using false and misleading dealership information. The dealership listed my XXXX XXXX XXXX XXXX as a trade-in/payoff vehicle in the XXXX transaction, with a payoff amount of approximately {$16000.00}. However, XXXX XXXX XXXX statements show that my XXXX loan remained active after the XXXX purchase date and continued to have payments due and made after the transaction. I still had the XXXX after the deal, which directly contradicts the dealerships trade-in/payoff paperwork since I actually traded it in when I bought my XXXX XXXX XXXX XXXX in XXXX of XXXX. There were also other serious issues with the sale. I was led to believe the XXXX had a clean title, but later discovered it was branded/rebuilt/salvage. I was originally told the down payment would be {$4000.00}, but the paperwork later reflected {$6000.00}. The vehicle was sold to me for approximately {$42000.00}, but XXXX later valued/offered around {$20000.00}. I was also told I could not use my own bank for financing, and was ultimately put into financing through Westlake Financial. I contacted Westlake and provided documentation, including the contract, XXXX XXXX statements, payment records, and supporting evidence. Westlake acknowledged reviewing the matter but focused on the branded title issue and did not properly address the false trade-in/payoff discrepancy. Westlake also stated the dealership was responsible for paying off the trade-in, which supports my concern that the dealer submitted or handled false payoff information, yet Westlake is still holding me responsible for the loan. Westlake said they would provide me documents and recordings but have failed to do so. The dealership as well has ignored me and as I notified them the calls were recorded they refused to speak to me again. I have documentation, audio recordings, dealership paperwork, XXXX XXXX statements, payment records, Westlake correspondence, and public reviews showing similar consumer complaints about the dealerships practices. I am requesting that Westlake fully investigate the dealer-submitted funding package, provide all documents used to approve and fund the loan, stop negative credit reporting and collection activity during the investigation, and provide a written explanation specifically addressing the false trade-in/payoff issue. If the contract was funded based on false or misleading dealer information, I am requesting that Westlake unwind/rescind the contract, set the balance to {$0.00}, remove any negative credit reporting, release me from responsibility for the vehicle or any deficiency, and refund/account for all payments and money I paid into the transaction. I would also like to hold the dealership responsible for their deceptive practices.

Company response to consumer: Closed with explanation