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    ComplaintsforWestlake Portfolio Management, LLC.

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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      On 11/5/21 I paid off my car in the amount of ********. It has been over 3 weeks and I still have not received the title to my car. I have tried calling several times over the past few weeks but I cannot get any answers as to where my title is. Since my car has Tennessee tags, by law my title has to be released within 72 hrs. The Westlake Portfolio Management Title department has kept me on hold for over an hour several times and no one at the main office can help me.

      Business response

      02/02/2022

      Business Response /* (1000, 5, 2021/12/10) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      I paid the car off 3 weeks ago. They haven't reached out to me on how to get the GPS removed. When I call they insit they're sending an "email", and will contact me when they have a resolution. I finally got a phone number from them this morning. 3 hours of phone calls, just to find out Westlake is who needs to call that phone number and request for the GPS to be removed.. I called Westlake again and they refuse to remove it and say it's my responsibility to remove it. I'm disgusted with how this is being handled. The supervisor I'm speaking to keeps interrupting me when I speak and says there's nothing they can do, that yes they took over the contract with my original lender, but they won't help me remove it. He gave me a random number to call, I called it with him on the line, all that number does is offer you medicaid and other "offers". The supervisor was on the line and heard the offers, all he had to say was "that's the only number we have..." Absolutely terrible customer service.

      Business response

      07/13/2022

      Business Response /* (1000, 5, 2021/12/03) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      ************* was my original creditor on a car loan. I was making payments to them during the time they were purchased by Westlake Portfolio. I was unaware of ************* being purchased. I never received any correspondence to my correct address as I continued to make payments to *************. Westlake Portfolio claimed they sent correspondence to my address in September 2018 in which they took over my loan. I've never received this letter as I was still receiving information (Online payment portals and emails from ************* to pay my loan) When requesting a copy of this so-called Welcome letter I received, there was no date listed or printed on the letter so this clearly looks as if something was drafted up at the last minute. I've been making payments through ************* through October 2018. (I have confirmations from ***********************) I was able to obtain Payment History from Westlake Portfolio and the breakdown of payments received and original balance is not adding up. Also, my loan was obtained in April 2017 but payment history is showing payments in July. (Where are the other months?) How can the original balance be $********* a total of over $**** has been made towards the loan (interest including) and my current balance is showing $*******. They are reporting inaccurate information on my credit report.

      Business response

      01/18/2022

      Business Response /* (1000, 5, 2021/12/07) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (3000, 7, 2021/12/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Per the response sent. There still isn't all documents requested attached as the response states. Business Response /* (4000, 9, 2021/12/29) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      My truck was towed the day before my payment hit 30 days past due. I have made 57 payments out of 60 and have a late fee balance of $398 due at the end of my loan. I want my truck back and the repo fees removed from my account.

      Business response

      12/07/2021

      Business Response /* (1000, 5, 2021/11/22) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      Car loan paid off in full but west lake refuses to send title. When I call they say they sent it already and have hung up on me 6 times. After 60 days I still have no title and they still won't send it. Their automated service says the title has not been released. As of today, I'm still waiting

      Business response

      12/20/2021

      Business Response /* (1000, 5, 2021/11/22) */ Please see attached correspondence. Consumer Response /* (3000, 7, 2021/11/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) The original title has still not been received. West lake portfolio wants me to print an out of state paper title that I have to pay for. I should be sent the original copy. Whatever that was sent on 9/20/21 was never received! Please send to the corresponding address as discussed when I purchased the vehicle. Business Response /* (4000, 11, 2021/12/06) */ ***Document Attached*** Please see attached correspondence.
    • Complaint Type:
      Billing Issues
      Status:
      Resolved
      I made a payment of $163.34 to ******* on September 2, 2021; 3 days before the due date. I got a letter about a week later threatening collections & saying that my account was past due. I was charged a $35 late fee. I immediately called customer service & the woman claimed that the collections letter was auto generated. She said that she saw where I paid & would credit $35. I'v been given late fees multiple times even when a payment wasn't past due, & it was like pulling teeth trying to get those charges removed. I have no billing statement showing that the $35 was ever credited back to my account. When I tried to access my ******* dashboard, I received a message saying that I have to contact Westlake Portfolio Management (WPM). I received a letter in the mail on October 4, 2021 telling me that I have to pay $362.49. When I called WPM to inquire about this letter that showed me nothing of my account balance & only gave me a new account number and a balance due, nothing was solved.

      Business response

      10/15/2021

      Business Response /* (1000, 5, 2021/10/15) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns as well as the account. In an effort to provide quality personal service, Westlake Portfolio Management has responded directly to the customer in writing directly to the customer in writing and that response has been uploaded here. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (3000, 7, 2021/10/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I filed two separate complaints. One against ******* and one against Westlake Portfolio Management. It looks like the company ******* doesn't exist anymore? This is the only way that I can see how the ******* complaint was forwarded to Westlake Portfolio Management. *************'s response didn't resolve anything. In fact, it is the EXACT SAME response that she sent me regarding my complaint against Westlake, all she did was change the date. That is very irresponsible and shows the lack of attention to detail or concern for what is going on with my account. The doubling of my monthly payment (which I cannot afford as a medical student), has yet to be rectified. Nor has the refund of the $35 dollar late change I received when my September payment was in fact processed 3 days early of the due date. Additionally, no explanation or remediation of the 3 cent late charge from Westlake for the October payment, has occurred, despite the fact that the October payment was made on time. I've kept this account current and paid up, so it doesn't make sense that a crooked debt collector like Westlake, should have this account. And even though I have no control over the latter, Westlake has yet to try and rectify their errors with my account. Again, *************'s said "perceived." There is nothing to perceive when they have a manager in their company, *********, raising his voice to talk over me and telling me that I can believe whatever I want to believe when I mentioned the numerous ways that Westlake has violated the law and government SEC guidelines. I now understand that the SEC needs to be in receipt of this complaint as well. Business Response /* (4000, 9, 2021/10/19) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (4200, 11, 2021/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have tried and cannot get in touch with anyone from ******* to investigate the payment agreement between ******* and Westlake Portfolio Management. I've never had a payment that high. Anytime that I tried to logon to the ******* website, it reroutes me back to WPM just like the calls. *************s, please explain why you are still including and assessing me a late charge of $0.03 that you are rolling over to November. As discussed extensively on the phone and in writing with the other BBB complaint that was directly against Westlake Portfolio Management, I did not make a late payment. My payment for September was paid 3 days early directly to ******* before Westlake acquired the account. My October payment was due on October 5th and I paid it directly to Westlake on October 5, 2021. Assessing me, the customer, for charges in which I did not accrue, is ethically irresponsible. And I cannot help but you feel that I'm going to have to keep a close eye on this account for exorbitant, uncalled for charges. Business Response /* (4000, 13, 2021/10/22) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (4200, 15, 2021/10/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I literally feel like I am talking to a brick wall at this point. Now the correspondence has been passed to another person at Westlake Portfolio Management, ***** ********, Director of Compliance, who has not taken the time to familiarize herself with anything that has transpired with this account over the last 30 days since Westlake Portfolio Management took it over. *****, as I have repeated multiple times until I've turned blue in the face, my payments to my account were never late. I even included copies of the payment confirmations to prove that, and yet you sit here and still respond that the account was late. ***** is saying that the 3 cent late fee rolled over from *******. And that is a lie. Ortiz from Westlake Portfolio Management said that it was a fee being assessed by Westlake and he said he didn't understand why it was being charged because my payment was not late. I recorded this. And since you all claim that you record your calls, you can listen to the recording as well. My account has been current this entire year. In fact, before Westlake Portfolio Management received the account, ******* fraudulently charged me a $35 late fee on September 7th saying that my payment was late when in fact it was not. My payments are due on the fifth of every month. I paid my September 2021 payment 3 days EARLY on September 2, 2021. When I called *******, I spoke to Jessica who claimed it was a mistake and that I would be refunded $35 in the next billing cycle. The next billing cycle came and I was never refunded the charge. Instead, the account was passed to Westlake Portfolio Management who went on to double my monthly payment and tack on a suspicious 3 cent late charge. The business ethics of this company is apprehensible. I've gone ahead and filed a complaint with the SEC, will file a report with the FBI for financial fraud, and if necessary, my next step will be to hire an attorney. Business Response /* (4000, 17, 2021/11/05) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (3000, 24, 2021/12/11) */ ***Document Attached*** I am extremely tired of this dishonest company. Even after going through a complaint with BBB, they are still doing things to make sure people stuck with them do not get ahead. I had a payment due for $152.14. Since I had not received my paycheck yet and wanted to make sure that I paid something on time, I paid what I could which was $122.49. Instead of pulling the amount that I authorized of $122.49; this decrepit company tried to pull $152.14, then hit me with a $25.00 insufficient funds fee. Then they canceled the payment that I had scheduled on time and charged me a late fee of $25.00. Since they returned my payment, my bank has now charged me a $29 returned check fee even though my account history shows that I had $122.49 available to pay Westlake. This company knows exactly what they are doing to get as much money out of you as possible. This company now owes me $29 and needs to remove those fees. I am attaching the proofs of what I described. Business Response /* (4000, 26, 2021/12/13) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (4200, 28, 2021/12/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This account was paid off in full on Saturday, December 11, 2021. Should Westlake Portfolio Management try to report negative information to the credit bureaus, I have record of the entire balance being paid from my banking institution. I will not even bother with dealing WPM anymore.
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      Back in June of this year(2021) I paid the monthly car note on my car for $360 on my 2014 Ford Fusion. I had also sold the title of my car to mariner finance who I knew would be paying the balance of my car off. So I asked west lake portfolio management would they return the over payment of three hundred and sixty dollars once they receive the pay off amount from Mariner finance, they said yes. Currently, I have requested for times that the funds be returned and they are saying that they have sent the money and I haven't received anything. Last Friday(10/1/21) I spoke with a supervisor who took my checking/routing number and said he would request the money be deposited in my account in three to five business days. He also promised to call me Monday. He did not call me back on Monday and the customer service representative(10/6/21) said that there was no request put in the system to return my funds. This company is spinning me and have no intentions to return my money.

      Business response

      11/10/2021

      Business Response /* (1000, 5, 2021/10/13) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (3000, 7, 2021/10/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) Westlake portfolio management called me last Wednesday after receiving my complaint from BBB. They said that I would receive my refund in three business days, which would have been October eighteenth. I called several times. I was placed on hold for a total of three hours. I asked to speak to a supervisor which was ************. He hung up on me. I called back and again I was placed on hold. This company is being very dismissive and are not excepting my calls anymore. I lost my job a month ago and my money is very limited so I really need my money back. At this point I feel helpless because westlake is giving me the run-around with no real intention to return my money. Business Response /* (4000, 9, 2021/10/22) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (4200, 11, 2021/10/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) My money has yet to be returned! They have given the same exact response that they gave on October 13th! Business Response /* (4000, 13, 2021/10/25) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Billing Issues
      Status:
      Resolved
      I contacted WPM on 10/5/21 to find out why I received a bill for $362.49. I had to speak to 3 different people. I asked for copies of my last 2 billing statements & at 12:34p EST, Ortiz said they just received the account & don't have much history & that my payment due is $198.95 w/ a $0.03 late fee & he doesn't know why my letter says $362.49. I asked to speak to a supervisor & Ortiz said it's hard to get in contact with one. I asked again, & he placed me on hold. I then spoke to *********. He said he saw the $163.34 payment. Then said the payment was made on 9/16/21. This isn't true. I paid Blispay on 9/2/21. Then he goes on to say that I owe $198.95 today b/c $163.34 was credited to my payment when they got the account on 9/16/21. When I said this sounds like fraud and that I will report it to the SEC & FBI, he said "I can choose to believe whatever I want to believe." He also continued to raise his voice to talk over me. As I informed him, I recorded the conversation.

      Business response

      11/15/2021

      Business Response /* (1000, 5, 2021/10/07) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (3000, 7, 2021/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) ******* ****** wrote we "apologize for any perceived poor customer service." Perceived? So having your manager ********* raise his voice to talk over me and tell me that I can "choose to believe what I want to," is me perceiving poor customer service? Wrong. Your manager needs to be retrained on how to deal with customer concerns, inquiries, and how to talk to a customer. Telling me that I "perceived" it, lets me know that this is acceptable behavior from your employees and standard company culture. "Westlake Portfolio Management appreciates your business, and we trust that we have sufficiently addressed your concerns." ******* ******, I wrote about more than just providing copies of my last two billing statements. I asked for the $35 late fee charged by Blispay, to be refunded. As shown to you in the files that I uploaded, my September payment was not late. I paid it 3 days in advance. I asked about the 3 cent late charge that WPM applied to my account for the October payment supposedly being late when it was not. It was paid the day it was due, October 5, 2021 So again ******* ******, your company is engaging in fraud and you are sweeping it under the rug, and requesting that I contact customer service to discuss this further rather than through the BBB where you and your company are held accountable through a third party regulatory body. Furthermore, I already contacted customer service, and it resolved nothing. Now you all need to be held accountable, and the public should be informed about the lack of ethics with this company. I asked for an explanation on why my monthly payment has been doubled; you provided no explanation nor did your associates ***** and *********. Thus, I requested a reduction in my monthly payment to what it was originally with Blispay before WPM took over the account. I have not been late or behind on my payments. It does not make sense that you have doubled my monthly payment. If I could have afforded to pay more, I would have been doing that to pay off the account quicker. Business Response /* (4000, 9, 2021/10/19) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (4200, 11, 2021/10/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have another complaint that I filed against Blispay, and that complaint was forwarded to Westlake. They continue to be dishonest in the handling of my account. First, I was receiving a letter from ******* ******, who has now handed it off to ***** Birman. Prior to Westlake acquiring the account, Blispay fraudulently charged me a late fee. This was not the first time that it has happened, and I've had to address it. Previously, filing a complaint through the Better Business Bureau helped to resolve the issue. However, the company has cut access to them, and all emails and calls to them keep getting rerouted to Westlake Portfolio Management. I filed a complaint with the Better Business Bureau to help get a resolution to the current issues, as when I tried to address it with WPM, their supervisor ********* proceeded to raise his voice and when I cited consumer protections that they were violating, he told me "you can believe whatever you want; you still have to pay." The correspondence started with ******* ****** and has now been passed to another person at Westlake Portfolio Management, ***** ********, Director of Compliance, who has not taken the time to familiarize herself with anything that has transpired with this account over the last 30 days since Westlake Portfolio Management took it over. I have repeated multiple times that the payments to my account were never late. I even included copies of the payment confirmations to prove it. And yet ***** is now telling me that the account payment was late when they took the account over, despite providing her proof to at it is not true. ***** is saying that the 3 cent late fee rolled over from Blispay, and that is a lie. ***** from Westlake Portfolio Management said that it was a fee being assessed by Westlake and he said that he didn't understand why it was being charged because my payment was not late. I even have a copy of the October statement posting from the website before I filed this complaint, that shows it was Westlake assessing the $0.03 late charge. I recorded this conversation, and since the company claims to record its calls, they can listen to the recording as well. My account has been current this entire year. In fact, before Westlake Portfolio Management received the account, Blispay fraudulently charged me a $35 late fee on September 7th saying that my payment was late when in fact it was not. My payments are due on the fifth of every month. I paid my September 2021 payment 3 days early on September 2, 2021. When I called Blispay, I spoke to Jessica who claimed it was a mistake (and claimed that the collections letter that was sent was an "autogenerated" mistake, and Jessica claimed that I would be refunded $35 in the next billing cycle. The next billing cycle came, and I was never refunded the charge. Instead, the account was passed to Westlake Portfolio Management who went on to double my monthly payment and tack on a suspicious 3 cent late charge. Additionally, I know that ***** Birgman is being dishonest about a $0.03 late charge from Blispay, because Blispay's late charge is $35. The business ethics of this company are reprehensible. Business Response /* (4000, 13, 2021/11/05) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the BBB, in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response. Consumer Response /* (2000, 15, 2021/11/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) After verifying that the late fee applied by Westlake Portfolio Management was credited back to my account and that the monthly payment was restored to what it was with Blispay, I am accepting the resolution on those grounds. Westlake has been very dishonest and depending on who I've spoken to, I get a different story every time. For those reasons, I'll continue to watch this account closely. I look forward to the day that this account is paid off, and I will not have to deal with them.
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      Received an email from this company on ********* **** asking me to Manage Your MyAccount **** ****************** After clicking on the link it gives me account #XXXXXXXX. I don't know this company and am current on all my financial obligations. I haven't had an auto loan for over 15 years. My current vehicle was paid for in cash. I have checked my credit report and there is no entry for this entity on my report , indicating they are probably trying to collect on debt with expired statutes of limitation

      Business response

      08/04/2022

      Business Response /* (1000, 5, 2021/09/30) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer ************ in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      Account has zero balance. Received abs email saying my account is being closed which would adversely impact my credit. This company has had a really shady way of conducting business. They provided no reason for closing the account and basically refer the user to a management company with any questions, after 9/23/21

      Business response

      07/15/2022

      Business Response /* (1000, 17, 2021/10/22) */ Thank you for bringing this matter to our attention. Westlake Portfolio Management values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Westlake Portfolio Management has reviewed the customer's concerns and has responded directly to our customer and the ***, in Writing. Should the customer have additional questions or concerns, he or she may reach Westlake Portfolio Management directly at the contact information provided in the written response.

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