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Business Profile

Financial Services

Westlake Financial Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

This profile includes complaints for Westlake Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see

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Westlake Financial Services has 9 locations, listed below.

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    Customer Complaints Summary

    • 2,101 total complaints in the last 3 years.
    • 807 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/06/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 (5)(A) of the ****** you are required to promptly DELETE all information that is inaccurate, incomplete, or which cannot be verified.It is also my understanding that Under the **** 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PP COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows:Westlake Financial

      Business Response

      Date: 02/06/2024

      We are unable to locate an account with customers name, phone number or email. Please provide additional information such as account number, last 8 of VIN, full social security number, phone number or email associated with account. 

    • Initial Complaint

      Date:01/10/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In 2018, I purchased a car that was financed through Westlake Financial Services. ** Cars paid off the balance of the car and westlake failed to provide them with the title. I received confirmation from westlake that the car had in fact been paid off and had also received a reimbursement for the balance. I applied for a car loan and found out that it is still listed as a derogatory **** on my credit after having this matter resolved several times through the BBB. I have letters from westlake stating this matter has been resolved. My claims filed with the BBB are case #s ******, Ref# **-13009156-73608-17-3-200. I have emails and correspondence that confirms this was resolved and paid in full on 10/28/2018. Please help me. I am unable to access the company responses as this case is 5 years old. Thank you for your assistance.

      Business Response

      Date: 01/11/2024

      This is a duplicate complaint. We will respond to complaint #******** within the time frame allowed. 

    • Initial Complaint

      Date:12/11/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm deeply troubled by the sharing of my nonpublic information with credit bureaus, leading to inaccuracies in my report. This has caused immense financial and emotional distress. Under 15 USC **** Section 602, I have the right to privacy. Additionally, 15 USC **** Section 604 A Section 2 prohibits furnishing accounts without my written instructions. Moreover, under 15 USC **** B, late treatment of payments on my account is prohibited.Please rectify these inaccuracies promptly to alleviate the distress caused. My account number is *************. I trust you'll address this matter in accordance with the law and ensure accurate reporting going forward

    • Initial Complaint

      Date:12/07/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this account with ********************. I do not have a contract with Westlake Financial Service. They did not provide with original contract as i requested from them more than once.

    • Initial Complaint

      Date:11/28/2023

      Type:Sales and Advertising Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company is ripping me off every since us auto sale gave them our loans they have had my car loan still at the same price there not putting any thing towards the principal just the interest

    • Initial Complaint

      Date:11/19/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had a car loan with US Auto Sales since 6/23/2020. I had been paying on my loan faithfully for the last 3 years up until they closed their operations in April '23. I was still paying my loan payts up til about May '23. Then I learned USAS was filing bankruptcy. I later learned Westlake Portfolio Mgt was servicing the loan of USAS. After thoroughly viewing my contract with US Auto was supposed to give my loan to a financial institution to continue out my loan agreement. WPM is a debt collector. They cannot secure any loans. They are not a banking institution with secured funds. I do not have a signed contract loan with WPM. I have received debt collecting letters and phone calls indicating they are a debt collector attempting to collect on a debt. They illegally STOLE repossessed the car. All of my hard work and money I have invested into my car is no longer in my possession. How do they have the right to take a car that they never secure an interest in? I never signed a contract with me? WFS nor WPM is not the lienholder on the title of my vehicle according to the ** DMV. ** Auto is still the legal legitimate lienholder of my car! WPM is reporting on my credit report as a loan that was started with them on 6/23/2020. Which is the same date that I started my loan with US Auto. WPM are not showing any of the payment(s) months that I had paid to USAS from the start date. So it looks like I have not made a payment nor a history of paying the loan. WFS/WPM is tacking on an additional daily interest rate of ****%, on top of the annual interest rate USAFS has on my original contract. I have no daily ****% interest rate. On my credit report, WPM is showing that WFS is the ORIGINAL CREDITOR. NEVER signed nor agreed to a loan with them. Westlake Financial Services may have got the contract to service the US Auto Sales loans since they are in bankruptcy. FS gave it to their sister company Westlake Portfolio Mgt to execute collecting on the loans for USAS.

      Business Response

      Date: 11/21/2023

      This is a duplicate complaint as once has already been filed on 11/10/23 with the same issues (complaint id #*********. You will receive a response to that complaint no later than 11/24/23. 

    • Initial Complaint

      Date:11/09/2023

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ******************** is TRASH . Us auto sales giving out fraudulent titles to save their faces & this company going right along with the madness . I cant wait til WLM goes bankrupt for all the right reasons . Furthermore stop calling asking for money once you collect the collateral thats your profit nobody owes you nothing . I have a active court case as is . Karma knocking . Hope all the threats and laughs was worth it . Now sale the cars and stop harassing people yall done that ENOUGH next step is filing a harassment charge . You will REAP WHAT YOU SOW !

      Business Response

      Date: 11/10/2023

      Good afternoon, We do not show a customer with the name provided. The phone number and email are associated with another customer. Please provide correct name and account number to which you are referring to and will gladly assist you with your complaint.

       

    • Initial Complaint

      Date:11/02/2023

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company has an atrocious customer ********************** department that does the complete opposite of providing assistance. They sure know to take money though!! I needed my issue solved about my late mother's auto file settled with the title sent and a Lien taken off MONTHS AGO. This has now been on for more than 6 months, being given the run around, given false dates of when they'd contact the DMV/Mail out of titles, seriously?? What kind of legitimate company does business like this besides shady ones? I am going to begin a litigation process if I am not contacted with an actual resolution.

      Business Response

      Date: 11/03/2023

      We are unable to locate an account as you did not provide an account number, your mothers full name, email or phone number associated with the account. Without any of this information, we are unable to locate an account and try to assist you. 

       

      Thank you. 

    • Initial Complaint

      Date:10/18/2023

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      About a month ago, my car got towed for a parking violation. In the midst of this my keys were lost as well, most likely in the vehicle. Three days later I received a text from Westlake that they were going to recover my car. I called them and verified I had NEVER missed a payment. They said that was correct and my payments were on time and I could go get the vehicle. She told me that I had three days, and I replied that i had to wait for my daughter to get off school and I would Uber 2hrs to the towing place, that same day yo go pay the vehicle out. They lady came back on the phone and her manager was telling her about auctioning my car. I questioned her about it and she said dont worry that takes weeks and if I go that day, I will get my car. So I listened to her and I showed up to the impound lot, and the people working there me tell me that Westlake financial arrived 5 minutes before and that my vehicle was being repossessed. I told them I didnt owe the bank any late money and they said too bad. Fast forward 2 weeks, I finally paid all of the charges and received my vehicle back. My vehicle was completely ransacked and trashed, there was a purse with valuables, a phone, headphones, money, my kids car seats and my possessions missing or thrown away. There is damage yo my vehicle, the battery was dead and they dragged my awd car all over in park. I am having to pay **** for a key, and I need my title to do so. Westlake led me astray for three days trying to help me get the title, only to have the organization block my email request and have a very rude person tell me they wont help me with the title. They are rude and have no empathy for their paying customers. This is a common practice for this company as verified by a class action lawsuit in 2019 for illegal repossession practices. This is the most fraudulent thing Ive ever witnessed, and now after I havent had a vehicle for a month they wont help me to get a key. Never use this company!

    • Initial Complaint

      Date:10/04/2023

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I dont have an open account with this company this inquiry is hurting my score for a account thats never been open

      Business Response

      Date: 10/06/2023

      We are unable to locate an account for you under the name, phone number or email provided. Please provide the account number you claim we are reporting under your name. 

    Westlake Financial Services is NOT a BBB Accredited Business.

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