Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I dispute Westlake Financials account balance, billing history, APR/payment terms, repossession-related charges, deferred charges, and other fee amounts because the account reflects charges and terms that I did not authorize, that were not clearly disclosed, and that do not match what I was told or what I paid. I never agreed to any deferred payment arrangement or deferred charge. The first deferred or unusual fee amount began appearing on my account after I became late on a payment. I also dispute Westlakes claim that I changed my due date in the app because I did not knowingly authorize any due date change. After the vehicle was repossessed, Westlake sent me a written reinstatement email dated XX/XX/year> stating that the total amount due to reinstate my vehicle was {$780.00}, broken down only as {$760.00} due amount and a {$19.00} late fee, due by XX/XX/year>. I relied on that written reinstatement amount to recover my vehicle. However, Westlake later continued to reflect additional disputed charges on my account, including repossession-related charges, deferred charges I never agreed to, and a growing unpaid taxes/other fees balance. Those later-added charges were not clearly disclosed in the reinstatement amount Westlake gave me. Westlakes billing statements show a pattern of unexplained fee inflation. The statements repeatedly show a current amount due of {$380.00}. They also show the unpaid taxes/other fees category increasing from {$190.00} to {$270.00} and later to {$1000.00}. In addition, the statements show repossession expense charges including {$85.00} on one statement and later {$50.00} and {$75.00} on another. These charges appear to have been added, carried forward, or reattached to the account even after payments were made. I was also told that refinance terms offered in XX/XX/year> would reduce my payment to {$260.00} per month at 11 % interest, but the billing statements continued to show a current amount due of {$380.00} instead. I relied on Westlakes representations regarding what I needed to pay and what my payment would be, but those representations were not honored in the billing records. I requested a full itemized account history, billing history, payment history, proof of all deferred charges, proof of all repossession-related fees, proof of any due date change, and documentation showing exactly how Westlake calculated the amount it claims I owe. Westlake did not clearly provide a complete accounting sufficient to verify these charges. I dispute all unauthorized, unsupported, misleading, deceptive, or improperly added or re-added charges on this account. I want Westlake to provide a complete written itemized accounting of the loan ; identify every payment received and every charge added ; identify when each disputed fee was added, removed, or re-added ; provide proof of any alleged due date change or deferred payment agreement ; remove all charges that were not authorized, not disclosed, waived, or not part of the reinstatement amount quoted to me ; correct the balance to the true lawful amount owed ; and correct any inaccurate credit reporting connected to these disputed amounts.

Company response to consumer: Closed with explanation