Consumer complaint received 2026-05-21 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: FL

Complaint narrative:
NOTICE OF RESCISSION AND RELEASE OF LIENI demand proof of authority fromWestlake Financial Services. Who owns the note, who services the account, who holds the original instrument, how payments was applied, what fees were added, what insurance or escrow activity occurred, and whether the party collecting has the lawful right to enforce the alleged debt.Westlake Financial Servicesneed to prove every claim. Im requesting the complete life of loan payment history, not a summary, the full Ledger. Every payment fee, late charge, suspense, account entry, escrow advance, corporate advance, fees, insurance disbursement, tax disbursement and charge off, And adjustment.Westlake Financial Servicesmust follow GAAP.Westlake Financial Servicesaccepted the instrument that alleged borrower have tendered, XXXX XXXXhave a claim or possessionary right in the instrument and its proceeds under 3-306 of the UCC. Any defense and any claim in RE-COUPMENT under section 3-305 of the UCC, whichXXXX XXXXshall exercise atXXXX XXXXoption, if Westlake Financial does not creditXXXX XXXXaccount and release the lien. The 1099-0ID can identify who the principal is from, which capital and interest were taken, and who the recipient or who the payer of the funds are, and who is holding the account in escrow and unadjusted.Upon payment of all sums secured by this Security instrument. Lender will release this security instrument. Borrow will pay any recordation costs associated with such release. Lender may charge a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. failure of consideration, failure to Disclosure, violation of FCRA, Fraud in the inducement, Constructive and Material Fraud.Rescission ofWestlake Financial Servicesinterest. Ill give the XXXX XXXX toWestlake Financial Services. However, I am demanding that you give my bank credits returned to me in the form of a check.1.A " material breach '' of contract is a significant violation that fundamentally undermines the agreement 's purpose, allowing the non-breaching party to seek remedies like termination or damages.2.The agreement is void and XXXX XXXX is released from further obligations.If the initial breach is material, the other party to the contract is excused from performing his or her contractual obligations.3.A materialbreach of contractrefers to a court finding that a party failed to satisfy their obligations significantly enough to where the aggrieved party is entitled to aremedy. I am not terminating or canceling this contract, Im simply stating that unless you can rebut the claims brought against you in this notice with substantial evidence, then I discharge all liability contained in this alleged obligation, without recourse, and I am rescinding the security interest in this agreement and any right I waived unknowingly, unintentionally and involuntarily as I have found several violations including but not limited to : Failure of consideration, failure to disclose, violation of Truth In Lending Act and constructive fraud. I respectfully request prompt processing of this accountant and issuance of satisfaction of debt, release of lien or encumbrances related to this account and Vanaccount # XXXX, Westlake Financial Services Retail Installment Sale Contract |Agreement for Collateral XXXX XXXX XXXX XXXX XXXX VIN # XXXX and account # XXXX, dismissal of pass, current and future court actions by XX/XX/XXXX. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, Westlake Financial Servicescan now only contact us to : 1. To advise us thatWestlake Financial Servicesfurther efforts are being terminated ; 2. To notify us of remedies. Debtors are corporate artificial person, per Title 31 USC 1321 ( 73 ) and is an obligation of the United States per UCC 9-307- ( h ) and HJR 192, Chapter 48 Public Law/ Policy 73-10 statute 112. Accepted for value and returned for value in exchange for settlement, closure and zeroing of the account. I am assessing the value of the taxes, and our records show that you owe us money. Where is my benefit? Please forward any further correspondence to the Department of Treasury for set off and discharge. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation