|
10330401
|
2024-10-03
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To the Consumer Financial Protection Bureau : I am filing a complaint against Westlake Portfolio Management XXXX XXXX XXXX regarding an alleged debt that I believe is invalid and potentially related to a scam.
Key points of my complaint : 1. The debt is associated with a program that I now believe was fraudulent, a service from a company called XXXX XXXX, which a group of people are currently organizing a class action against.
XXXX. I have previously disputed this debt, but Westlake Portfolio Management XXXX XXXX XXXX claims to have verified it without providing adequate documentation.
XXXX. The company has not provided me with a copy of the original loan agreement or detailed account statements.
XXXX. They have locked me out of my online account, preventing me from accessing loan details.
XXXX. The company has been contacting me 5-6 times daily via phone and email, which may constitute harassment under the FDCPA.
XXXX. The company has contacted me under XXXX names throughout this experience, including " Covered Care, '' " XXXX XXXX, '' and " Westlake Portfolio Management. '' This indicates a lack of transparency.
I am requesting that the CFPB : XXXX. Investigate the validity of this debt associated with fraud and the practices of Westlake Portfolio Management XXXX XXXX XXXX.
XXXX. Ensure that the company provides full documentation of the alleged debt.
XXXX Review their debt collection practices for compliance with the FDCPA.
XXXX. Assist in resolving this dispute and protecting my consumer rights.
Thank you for your attention to this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8516944
|
2024-03-10
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Auto debt
|
| Date Received |
2024-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-10
|
| Complaint What Happened |
Im 8 days late with my car payment due to my employer has decided to just keep my paycheck. Since then I have spoke to Westlake Financial 4 times, they called my twice within a half hour and have called me 21 times total - in 8 days. LOL
|
| Consumer Consent Provided |
Consent provided
|
|
|
8485005
|
2024-03-06
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Credit denial
|
| Sub Product |
Loan
|
| Date Received |
2024-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1988085
|
2016-06-28
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-06-28
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-30
|
| Consumer Consent Provided |
N/A
|
|
|
7116824
|
2023-06-14
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Loan
|
| Date Received |
2023-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7648108
|
2023-10-05
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2023-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3036534
|
2018-10-03
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Auto debt
|
| Date Received |
2018-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-03
|
| Complaint What Happened |
XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me
|
| Consumer Consent Provided |
Consent provided
|
|
|
5887889
|
2022-08-18
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-08-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9381202
|
2024-06-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5725569
|
2022-07-01
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2022-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hello my name is XXXX XXXX with a false mark on mine and my sons credit report! In XX/XX/XXXX, I co-signed for a truck loan ( XXXX XXXX XXXX low miles, very clean for {$11000.00} at 19 % interest, for 48 months, at XXXX a month ). He paid on it for a year and he unfortunately got XXXX and it disabled hi for continuing paying Westlake Financial Services Inc . He tried to work with them and they never let me know and they came and repossessed it. They sold it at auction and sent me a paper, not a bill of sale. There was know information about the sale - how much, where, when and who. the have there own auction company through Westlake. They indicated it sold for {$1100.00} but hard to believe with out proof that we still owe {$11000.00}. This seems to be very bad and fraudulent business habits. Can you please look this over seems to be illegal? Thanks!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5896747
|
2022-08-20
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Title loan
|
| Date Received |
2022-08-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
After moving states I started having issues with them losing my current information and when I want to make a payment early or the due date it will only give me error codes, I have been having these issues for 2 years and I have to wait till its late and receive a call from them. Then I have late fees and it hits my credit it for being late, even tho I try to make it on time. I spoke to a supervisor months ago and was laughed at and told that their side has different information and have to pay with card with additional fees or they will take the car. They never help and have complain multiple times to them and its the exact same every month. I finally called around for help and found you guys. I really need help because the moment I got the car I been pushed back into a corner with the dealer ship and west lake. I am unable to refinance it due to the late payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4896349
|
2021-11-10
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Westlake Services, LLC
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2021-11-10
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
