Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX for {$24000.00} Down Payment {$6.00} paid in full to the dealer ( attach proof ) The vehicle was financed through Westlake Financial Services in XXXX quotes each for {$72.00} a month finishing in XX/XX/XXXX, with an extension for XXXX months until XX/XX/XXXX we made all payments, the financial company informed in XX/XX/XXXX, we have a payment due for $ {$7100.00} never informed, we request information to Westlake financial and filled a complaint with CFPB and only received evasive answers despite informing them that we had all the supporting documentation and that the vehicle was fraudulently sold, The vehicle was previously declared a Total Loss / Salvage and had at least XXXX prior accidents, NEVER INFORMED, for the dealer or the financial company. the salvage status was not disclosed in the sales contract. We paid approximately {$39000.00} toward the vehicle, including a {$6000.00} down payment. Dealer and financial company Fraudulent Misrepresentation, Fraudulent Omission, Unfair and Deceptive Trade Practices Breach of Contract Negligent Financing Damages under FTC Holder Rule The financing company may have failed in its duty of verification ( and could be complicit or negligent ) They sent us the contract where they claimed everything was documented, but we never found that information. They also failed to mention that the car was a total loss or a salvage title. That's why we started making inquiries with the CFBP. We asked the dealer to buy or trade the car for us, and they offered us {$3000.00} because it was salvage. Nothing happened, so we decided to take these actions because, honestly, when we went to see the car, it wasn't even worth XXXX XXXX dollars. Hide information, never indicate in the purchase order or in the contract that the car had any status sush as salvage or rebuilt Never sent or delivered the contract all the time called for request until the finance company sent us XXXX months ago They abused our trust ad good faith Possible violation of state and federal laws The dealer may have inflated the value of the vehicle Concealed the true condition of the vehicle Fraudulent Misrepresentation The financing company may have failed in its duty of verification ( and could be complicit or negligent ) finish the payments last XX/XX/XXXX and the finance company require {$7.00} more for the payoff PAYMENTS {$6000.00} down payment paid to the dealer {$39000.00} paid to the finance company XXXX additional payment request for Westlake financial Like a Maturity XXXX. Total payments dealer/ financial company {$52.00} XXXX. Market real value XXXX XXXX XXXX {$2.00} Attach to these compliant this documents and proofs : Loan contract ( finance agreement ) no information total loss Vehicle title unavailable payment history and some XXXX XXXX XXXX XXXX XXXX report if available Buyer order XXXX tag registration notice Receipt of down payment Odometer disclosure XXXX XXXX tag power of attorney for a motor XXXX... Application for certificate of title without registration XXXX truck registration Proof of insurance our family finances have been severely affected by all the payments and losses we, ve had with this vehicle and they insisted in telephone harasment, harassing debt collections calls and abusive debt collection practices, we had to sent a letter requesting that the debt collection calls.

Company response to consumer: Closed with explanation