Debt collection -- False statements or representation -- Complaint #18638777
Complaint Overview
Complaint ID: 18638777
Company: Westlake Services, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 94025
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XX/XX/year> Westlake Financial, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CA XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Westlake Financial, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is not a refusal to pay but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges. 3. A copy of the original signed agreement or contract that created the debt. 4. Verification that your agency is licensed to collect debts in my state, including your license number and registered agent. 5. Documentation showing that you have the legal right to collect this alleged debt, whether by assignment or ownership. Until this information is provided, you must cease all collection activities, including reporting or verifying this debt to credit reporting agencies, as doing so would violate the FDCPA. Please send all correspondence to the address listed above. I request that all future communications be in writing only. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18638777 about?
Complaint #18638777 was filed against Westlake Services, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
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 (Debt collection) 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.