Westlake Services, LLC – CFPB Complaint ID 3084133

Date Received: 2018-11-27T00:00:00.000

Product: Auto debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment.
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : ” Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. ” I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn’t have that in my record and would not release any part of my file without a court order.

Company: Westlake Services, LLC

State/Zip: CT 064XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

See also  Continental Finance Company, LLC - CFPB Complaint ID 3040899

Complaint ID: 3084133

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

Here is where you will find important stories located from around the web which can impact you and your financial life.