Vehicle loan or lease -- Getting a loan or lease -- Complaint #19672530
Complaint Overview
Complaint ID: 19672530
Company: Westlake Services, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Loan opened without my consent or knowledge
State: Texas
ZIP Code: 77044
Date Received: 2026-02-20T12:00:00-05:00
Date Sent to Company: 2026-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I. Loan Origination & Disclosure Sabotage On XX/XX/XXXX, I accompanied my daughter to the dealership to serve as a co-signer for a vehicle purchase. However, the dealership engaged in a 'role-flipping ' scheme, electronically manipulating the contract to list me as the Primary Buyer without my consent. Furthermore, a predatory 24.5 % APR was added to the contracta term I never viewed, authorized, or knowingly signed. To facilitate this fraud, the dealership entered an incorrect contact phone number on the contract profile. This was a deliberate act to ensure I would never receive the mandatory digital Truth in Lending Act ( TILA ) disclosures or the electronic loan package required by Regulation Z. As of today, I have still not been provided with a full loan package. II. Discovery of Fraud & Mechanical Failure On XX/XX/XXXX, the vehicle suffered catastrophic mechanical failure estimated at {$19000.00} in repairs. After the dealerships service department failed to inspect the car for four days, I had it towed to a specialized manufacturer dealership, which provided a diagnosis in three hours. I did not discover the 'role-flip " forgery or the 24.5 % APR until XX/XX/XXXX, when I finally received a copy of the retail purchase contract via emailtwo months after the salefollowing a verbal demand to a supervisor. III. Warranty Collusion & Administrative Backlogs A {$5900.00} warranty from a provider owned by the lender was bundled into this fraudulent deal. Despite the vehicle being sold as 'Certified, ' the claim was denied as 'pre-existing. ' The provider cited an administrative backlog on issuing denial letters, creating a financial trap that prevents me from cancelling the contract while the lender initiates collection activity. IV. Bad Faith Internal Investigation I have attempted to engage with lender compliance and fraud departments. On XX/XX/XXXX, the lender issued a summary denial of my fraud claim. Their findings claimed to validate the account using a phone number I only provided to them one week ago. They are deceptively using current data to validate a past forged transaction that was consummated with sabotaged contact information. Furthermore, the lenders findings misspelled my first name, proving no actual review of my identification was conducted. V. Demand for Resolution I have filed reports with state regulatory agencies ( XXXX, OCCC, and OAG ) and an FTC Identity Theft Report. I am flagging these actions as willful violations of TILA and the ESIGN Act.
Frequently Asked Questions
What is Complaint #19672530 about?
Complaint #19672530 was filed against Westlake Services, LLC regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2026-02-20T12:00:00-05:00.
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.