Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Formal Notice of Dispute, Demand for Documentation, and Intent to Arbitrate. 
This serves as a formal notice of dispute, demand for documentation, and intent to arbitrate related to the above-referenced auto loan. Your handling of this account has resulted in multiple violations of state and federal law. 

BACKGROUND & DISPUTE I obtained a loan from XXXX XXXX XXXX, who continues to collect payments and send billing statements to this day. Recently, however, I discovered that Westlake Financial Services is reporting this same account to the credit bureaus. I have never : * Signed any contract with Westlake Financial ; * Received any notice of assignment or servicing transfer ; * Seen any reference to XXXX in my loan documents or billing statements. 

When I contacted XXXX, I was told they " work with XXXX. '' However, no documentation has ever been provided to establish their role or legal authority. This contradictory, undisclosed arrangement is misleading, unauthorized, and likely unlawful. 

XXXX. LEGAL VIOLATIONS ASSERTED XXXX. Truth in Lending Act ( TILA ), 15 U.S.C. XXXX ( g ) Requires written notice to the borrower within 30 days of assignment or servicing transfer. No such notice was ever issued. 

XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ), XXXX Requires accurate and authorized reporting. XXXX is reporting without a valid consumer relationship or disclosed assignment. 

XXXX. California Rosenthal Fair Debt Collection Practices Act ( XXXX. XXXX. CXXXXe XXXX ) Prohibits deceptive collection practices and requires transparency from servicers and collectors. 

XXXX. California Unfair Competition Law ( UCL ), XXXX. & XXXX. CXXXXe XXXX Prohibits any unlawful, unfair, or deceptive business practices. Failure to disclose the relationship between XXXX and XXXX is a direct violation. 


XXXX. CASE LAW SUPPORT * * * * * XXXX XXXX XXXX * *, XXXX XXXX XXXX ( XXXX ) : Servicers or collectors acting without disclosure may be subject to liability. 
* * * XXXX v. XXXX XXXX * *, XXXX XXXX. XXXX XXXX ( XXXX ) : California XXXX extends to all unlawful and unfair business conduct. 
* * * XXXX v. XXXX XXXX. XXXX, XXXX * *, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Rosenthal Act includes deceptive affiliated entity conduct. 

IV. DEMAND FOR DOCUMENTS You are hereby required to provide the following within XXXX calendar days : XXXX. Original signed loan agreement ; XXXX. All assignment contracts or sale/transfer agreements between XXXX and XXXX ( XXXX any other entity ) ; XXXX. Any servicing or collection agreement between the parties ; XXXX. The TILA-required notice of assignment or transfer ; XXXX. Proof of who currently holds the lien on my vehicle title ; XXXX. A full accounting of all payments made and balance due ; XXXX. Any legal authority or contract authorizing XXXX to report this account. 

Failure to produce these documents will be treated as an admission that XXXX has no authority to act on this account. 

V. NOTICE OF INTENT TO ARBITRATE & DEMAND FOR REMEDY If this matter is not fully resolved within XXXX days, I will file a claim in binding arbitration under the agreement and applicable laws. 

To resolve this dispute, I demand the following : XXXX. Immediate release of the lien on my vehicle ; XXXX. Full return of my title, free and clear of any encumbrance ; XXXX. Cancellation of the debt and waiver of all further obligations ; XXXX. Payment of {$2500.00} in monetary relief for statutory violations, emotional distress, confusion and reputational harm.

Company response to consumer: Closed with explanation