Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am writing to bring to your attention an ongoing issue my husband and I have been facing with XXXX since XX/XX/XXXX. On that date, my husband was involved in an automobile accident. XXXX incorrectly classified him as an excluded driver, which was not the case. 

Since then, this matter has caused us tremendous hardship. On XX/XX/XXXX, my husband attempted suicide and was found unresponsive on the shore of XXXX XXXX. He was revived and has spent extensive time in the hospital receiving XXXX XXXX  treatment. His mental and emotional decline stemmed directly from the ongoing stress and frustration of dealing with XXXX including a judgment entered against us, a XXXX placed on our home, and years of unresolved conflict. 

In XX/XX/XXXX, XXXX admitted culpability in connection with my husbands suicide attempt and requested that we submit a demand settlement. My husband complied, and I also included claims for breach of contract, bad faith, and loss of consortium. XXXX initially agreed to our terms but stated they needed to review the amounts we proposed due to their size. They had, in fact, requested that we determine the amounts ourselves to avoid appearing disrespectful. 

At the time of his suicide attempt, my husband owned his own business, which has also suffered as a result of this ordeal. Since XXXX retained outside counsel, progress has slowed dramatically. My husband was told he could only ask XXXX question per day, and although XXXX XXXX initially confirmed that the only remaining step was to review the numbers, her colleague has since backtracked, now stating they are unsure whether XXXX still intends to proceed with the settlement at all. 

We have been battling this issue for nearly XXXX years. What was supposed to be a prompt resolution has once again turned into an exhausting delay. I am formally reporting XXXX for bad faith and breach of contract and am seeking your assistance in addressing this matter. The toll this has taken on my family and my husbands health has been devastating. 

I would be happy to provide any supporting documentation you XXXX require. Please let me know what you need from me to move this process forward. 
I did attach a photo of my husband on life support to show the significance of this matter. 
Because of XXXX actions XXXX XXXX put a lien on my house. 
XXXX XXXX held a recording that my husband was an insured driver. If my husband was not he was not able to take the XXXX off the dealership lot. 
XXXX XXXX refused to produce this recording that could of prevented all of this including my husband 's suicide attempt. 
XXXX XXXX XXXX recently refused a {$20000.00} wire transfer from XXXX. 
XXXX has sent them a check which has been signed for. 
XXXX XXXX XXXX I believe broke Colorado law title for article XXXX when they did not accept a voluntary reposition by not making any reasonable attempt to repossess the vehicle when it was in Colorado at its registered location for a year after home default on the loan. 
By not filing for a judgment in Colorado they filed for judgment in Michigan where they reassigned collateral for the debt by placing a XXXX on our home. 

Thank you for your time and consideration. I look forward to hearing from you soon. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation