Vehicle loan or lease -- Repossession -- Complaint #17917691
Complaint Overview
Complaint ID: 17917691
Company: Westlake Services, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Repossession
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold
State: Florida
ZIP Code: 32256
Date Received: 2025-10-15T12:00:00-05:00
Date Sent to Company: 2026-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by Westlake Financial. Westlake Financial is currently listed on my credit report as the creditor for an account that is marked closed. Despite this, they continue to report missed payments on the account. If the account is closed, there should be no ongoing payment activity. Furthermore, Westlake Financial has stated they are not the company responsible for the debt. If that is the case, I need to understand why their name appears on my credit report at all. This contradiction is damaging to my credit profile and raises serious concerns about the accuracy and legality of their reporting practices. Additionally, I am aware that both Westlake Financial and US Auto Sales have filed for bankruptcy and are currently under investigation by the CFPB and the Department of Justice for various violations. Given this context, I am requesting that this account be thoroughly reviewed and removed from my credit report if it is indeed closed and Westlake Financial is not the responsible party. They have violated the SCRA and the TCPA I am requesting a formal investigation into this matter and a resolution that reflects accurate and fair reporting.
Frequently Asked Questions
What is Complaint #17917691 about?
Complaint #17917691 was filed against Westlake Services, LLC regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-10-15T12:00:00-05:00.
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.