Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Subject : Formal Request for Investigation and Assistance Regarding Fraudulent and Deceptive Vehicle Purchase Practices by XXXX XXXX XXXX XXXX XXXX To Whom It May Concern at the CONSUMER FINANCIAL PROTECTION BUREAU ( XXXX ), I am writing to formally request the CONSUMER FINANCIAL PROTECTION BUREAU review and advisory assistance regarding a serious financial dispute and fraudulent activity stemming from my recent vehicle purchase at XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The totality of the circumstances surrounding this transaction suggests a pattern of deliberate deception, high-pressure sales tactics, and outright forgery that has resulted in significant financial and personal distress. 

Details of the Transaction and Initial Deception On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. This process began with an online application directed by the dealership owner. Following this, the owner, XXXX, and I established a verbally binding agreement to purchase the vehicle for {$9000.00}. This agreed-upon price was a negotiated discount from the XXXX advertised XXXX of {$10000.00}. 

A core element of the fraud is the forgery of what's supposed to be My name XXXX separate times on a XXXXXXXX XXXX without my knowledge, or consent, locking me into a fraudulent loan I can't afford I was never presented with this document to sign at any time and stealing my {$5000.00} down payment and not applying it to the purchase price of the {$9000.00} that we agreed on over the phone there was no need for any electronic activity because I was physically present to give my wet signature to any document that might have needed it The Deceptive Closing Process and Forgery To reduce the overall financing burden and my potential monthly payments, I submitted a substantial {$5000.00} down payment at the time of purchase. 

The following day, XX/XX/XXXX After being made to wait for over XXXX and a half hours, I was finally ushered into a rushed signing process. The finance XXXX, XXXX, stood over me, aggressively directing me where to sign various documents and removing each document immediately after signing, When my wife expressed concern and inquired whether he was going to explain the contents of the numerous forms, XXXX assured us that clarification would be provided shortly. However, XXXX abruptly abandoned the closing, leaving through a side door without offering any explanation or review of the documents. 

The sequence and timing of the subsequent events were profoundly suspicious and indicative of a deliberate effort to prevent review. As I watched XXXX XXXX off, another salesperson quickly approached and handed me an envelope containing the documents I had just been rushed to sign, INCLUDING A XXXX FINANCE DOCUMENT THAT APPEARS TO HAVE MY SIGNATURE APPLIED ELECTRONICALLY. Which I didn't notice until I contacted the finance company to inquire about my monthly payment and payoff amount, This exchange occurred literally as the staff was closing the steel doors and locking up the dealership, forcing the completion of the transaction under extreme duress and haste. 

Unauthorized Charges and Financial Discrepancies The documents I was pressured into signing contained charges for multiple, unauthorized additional services that I was neither made aware of nor agreed to, including : XXXX XXXX XXXX XXXX XXXX Extended Warranty XXXX XXXX XXXX XXXX Furthermore, my credit was checked XXXX times without my explicit knowledge or consent, which has negatively impacted my XXXX XXXX. 

The most alarming financial concern is the current status of the vehicle financing. The financing company has reported a payoff amount of {$19000.00}. Critically, the financing company has produced no record of my initial {$5000.00} down payment. This discrepancy raises serious concerns regarding the misappropriation of funds and strongly suggests fraudulent and deceptive business practices aimed at inflating the principal balance. 

Failure to Provide XXXX and Plates I have not received the permanent license plates or vehicle registration. My temporary registration has expired, placing me in a precarious legal position where I am now liable to be pulled over and ticketed by law enforcement for operating or parking an unregistered vehicle on a XXXX XXXX. I was explicitly told that the permanent plates and registration would arrive in the mail. Instead, I have received repeated notices from the XXXX stating that the registration is delinquent and payment is past-due, with late fees already applied. This ongoing failure by XXXX XXXX XXXX XXXX XXXX has caused significant unnecessary stress and has put me in a stressful financial and legal bind. 

Vehicle Condition and Undisclosed Defects The vehicle itself, a XXXX XXXX XXXX XXXX, has demonstrated numerous XXXX XXXX issues that were not disclosed at the time of sale. These significant defects include : Significant XXXX XXXX XXXX XXXX 
A separated XXXX XXXX  on the XXXX XXXX 
XXXX XXXX XXXX 
A XXXX XXXX with XXXX XXXX XXXX 
XXXX inconsistencies, notably a XXXX XXXX XXXX XXXX that are a different XXXX from the rest of the vehicle. 
XXXX XXXX XXXX despite the advertisement noting that the service would be complimentary for XXXX months. 
XXXX XXXX XXXX 
The vehicle is currently inoperable for an unknown mechanical reason. 
I have reported these specific issues to the salesman, XXXX, but have yet to receive any substantive response or resolution. 

Subsequent Discovery of Electronic Forgery and Prior Complaint Issues Upon reviewing the documents more closely, I have discovered that my signature was electronically forged on the Law XXXX finance form on XXXX separate occurrences, all without my authorization. There was no justifiable reason for the use of electronic signatures, given that I was physically present at the dealership and available to provide my wet signature on any required document. This repeated, unauthorized electronic forging constitutes blatant fraud. 

I previously filed a complaint with the Department XXXX XXXX XXXX ( XXXX ) regarding this matter. I am concerned that my complaint was compromised for reasons unknown. Initially, I received no confirmation that my complaint was received. After waiting approximately a month, I contacted the XXXX to check the status, only to be informed by XXXX XXXX XXXX, to whom my complaint was assigned, that it had been denied. When I requested a justification for the denial, XXXX XXXX provided no valid reason. 

Conclusion and Request for ( cfpb ) Intervention The fraudulent and deceptive business practices executed by XXXX XXXX XXXX XXXX XXXX price manipulation, forgery of my signature on official documents, unauthorized charges for unwanted services, the apparent theft of my {$5000.00} down payment, and failure to provide legal registrationhave caused me immense unnecessary stress and placed me in a severe financial bind. 

I respectfully ask the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) to thoroughly review my situation, investigate the practices of XXXX XXXX XXXX XXXX XXXX and advise on possible legal recourse to rectify this egregious situation. 

I am prepared to provide all necessary documentation, including copies of the forged documents, the financing agreement, XXXX notices, and evidence of the vehicle 's pre-existing mechanical issues, to fully support my claims. 

Thank you for your time, consideration, and attention to this urgent matter.

Company response to consumer: Closed with explanation