Vehicle loan or lease -- Managing the loan or lease -- Complaint #16968979
Complaint Overview
Complaint ID: 16968979
Company: Westlake Services, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Minnesota
ZIP Code: 55912
Date Received: 2025-11-01T12:00:00-05:00
Date Sent to Company: 2025-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX, financed through XXXX XXXX ( Application XXXX XXXXXXXX ). After reviewing all the transaction documentsincluding the Retail Installment Contract, Buyers Order, Title Application, and Odometer Disclosuremultiple violations of federal and Minnesota law were found : XXXX. Truth in Lending Act ( 15 U.S.C. 1638 ; Reg. Z XXXX ) : The {$1000.00} down payment was not correctly credited in the XXXX XXXX. The finance charge ( {$5300.00} ) and XXXX ( 23.20 % ) were inflated beyond allowable limits under XXXX XXXX. XXXX. Required TILA itemization and disclosure boxes were incomplete at signing. XXXX. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Westlakes funding and interview process was coercive and required additional electronic confirmation before funding, amounting to pre-collection activity before validation. XXXX. FTC Act 5 / Minnesota Motor Vehicle Retail Installment Sales Act : Inconsistent odometer readings between the contract ( XXXX XXXX ) and XXXX record ( XXXXXXXX XXXX ). Misrepresentation of warranty status. Vehicle sold as-is but no acknowledgment provided as required under XXXX XXXX. XXXX. Sales tax ( 6.875 % ) and total amount due ( {$800.00} ) differ between the XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX. Improper or delayed title transfer and lien recording under XXXX XXXX. XXXX ( late filing penalty not disclosed ). Mandatory arbitration clause and waiver of class rights pre-checked electronically without explanation or opportunity to opt out. Dealer listed false or incomplete addresses and omitted physical lienholder data, violating XXXX and UCC filing rules. Potential falsification of the Buyers Order and finance figures to match XXXX underwriting limits. XXXX. Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ) : The dealer failed to provide the required written warranty disclosure prior to sale and failed to post the Buyers Guide window form as mandated by 16 C.F.R. 455. XXXX. Minnesota XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : Misrepresentation of price, financing terms, and service contract availability. Failure to remit or disclose proper sales tax and registration charges to the Minnesota Department of Public Safety.
Frequently Asked Questions
What is Complaint #16968979 about?
Complaint #16968979 was filed against Westlake Services, LLC regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2025-11-01T12:00:00-05:00.
How did Westlake Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Westlake Services, LLC?
Yes, visit the Westlake Services, LLC company profile at readthecomplaint.com/company/westlake-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.