Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am filing a formal complaint against Westlake Financial Services for multiple violations of federal and state consumer protection laws, improper servicing, failure to provide required disclosures, and refusal to provide documents I am legally entitled to receive. 



XXXX. I mailed XXXX a certified written dispute and document request. 


On XX/XX/year>, I sent XXXX XXXX a certified written dispute demanding : The complete loan file Retail Installment Sales Contract All TILA disclosures Warranty/service contract Dealer assignment Full servicing ledger Repossession notices XXXX XXXX XXXX reporting data All internal servicing notes This was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX which is the corporate address publicly listed by XXXX. 



XXXX. XXXX confirms the letter was delivered, even though XXXX claims they never received it. 


XXXX XXXX shows : Delivered XX/XX/year> at XXXX a.m. in XXXX XXXX, CA XXXX Delivered to XXXX XXXX XXXX 



XXXX uses a XXXX Mail XXXX XXXX service. Under federal law, XXXX mail delivered to their designated XXXX XXXX XXXX legally considered received, including under : 15 U.S.C. 1692g ( FDCPA dispute receipt ) XXXX. XXXX. Code XXXX ( notice delivery ) General UCC notice delivery standards Despite confirmed delivery, XXXX claims they did not receive anything, refuses to acknowledge the dispute, and refuses to provide required documentation. 



XXXX. XXXX refuses to validate the loan, the balance, or the add-on products. 


I have already paid over {$12000.00} on an {$8500.00} financed amount. 

XXXX has not provided : A copy of the service contract Any warranty document Any TILA Itemization showing the {$2500.00} charge Any disclosure that the {$2500.00} add-on would accrue 19.64 % interest Proof that the add-on was voluntary A dealer assignment A complete payment history Required repossession and delinquency notices A fee schedule ( required by law if they intend to charge XXXX fees ) XXXX only provided the XXXX, which is incomplete and missing required attachments and disclosures. 



XXXX. The {$2500.00} service contract add-on was not properly disclosed and appears unlawful. 


The dealer added a {$2500.00} Service Contract / Dealer Loyalty Protection to my loan and financed it at nearly 20 % XXXX without : Providing the contract Explaining terms Explaining cancellation rights Explaining interest charges Providing XXXX required XXXX contract disclosures The XXXX states you have received and reviewed the contract for the product, but no such contract was ever provided. 



This violates XXXX, state service contract statutes, and federal disclosure rules. 



XXXX. XXXX is furnishing inaccurate credit information. 


XXXX reporting appears inaccurate because : The balance is inconsistent with payments made Add-ons were not explained or validated XXXX accounting is incomplete Under the FCRA ( XXXX XXXX. XXXX ), a furnisher must investigate and correct inaccurate reporting, but XXXX refuses XXXX provide any documentation enabling me to validate the account. 



XXXX. Requested CFPB XXXX I request that the CFPB require XXXX to : Produce the complete loan file immediately Provide all required TILA disclosures Provide the service contract and refund status Recalculate the loan balance excluding improperly disclosed add-ons Remove inaccurate credit reporting Stop all collection activity until the dispute is resolved Release the title if the true balance shows the loan is overpaid XXXX is XXXX violation of TILA, FCRA, FDCPA principles, UCC standards XXXX and consumer financial laws governing servicers.

Company response to consumer: Closed with explanation