Debt collection -- Took or threatened to take negative or legal action -- Complaint #4388431
Complaint Overview
Complaint ID: 4388431
Company: Westhill Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: California
ZIP Code: 91042
Date Received: 2021-05-18T12:00:00-05:00
Date Sent to Company: 2021-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company called Westhill Exchange LLC claims to be collecting a debt from another party. I have never heard of Westhill Exchange and have not received any communications from them. The first time I heard of them was XX/XX/XXXX when they sent me a purported " receipt '' for XXXX that they said they were taking out of my XXXX XXXX XXXX account without any authorization from me whatsoever. I contacted them and told them not to remove any funds, they have no authorization, and to please provide me with a debt validation letter with proof I have a debt with their company or anyone they represent pursuant to the FDCPA. It turns out they did issue a check to my account, with random check numbers and indeed took XXXX out of my account without any authorization from me. XXXX XXXX XXXX has been notified and they have advised me to freeze and close account. This is my main account that everything is tied to, so it will cost me time, money, and stress to transfer everything to a new account. The first time I ever even heard of this company, Westhill Exchange LLC, was five days ago and I believe they have violated FTC rules by taking money out of my account without any notice or authorization. I didn't have time to receive or review any paperwork in order to dispute or deny such an allegation of debt.
Frequently Asked Questions
What is Complaint #4388431 about?
Complaint #4388431 was filed against Westhill Financial regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-05-18T12:00:00-05:00.
How did Westhill Financial 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 Westhill Financial?
Yes, visit the Westhill Financial company profile at readthecomplaint.com/company/westhill-financial 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.