Westlake Financial Services
Reviews and Complaints

We bought a car from a company that sold it to us with a two year warranty through THEIR FINANCIAL COMPANY. They sold it to Westlake and when our car died they didn't honor the warranty which was still within the two years and millage. We turned it in to Westlake. They call us, badgering us, sometimes ten times a day! The calls never stop! We repeatedly called and tried to get the warranty honored and no one would help us. We were treated like crap. Never use Westlake!

My loan has been paid off over 90 days I have emailed Facebook messaged, called 5 times five of which I have been lied to hearing everything from "its being updated as paid now to the credit reporting agencies to it take six months sometimes. I have not gotten any results with you or the business bureau so I plan on filing a civil suit for defamation of character.

Do not do business with westlake financial services! They are a predatory lending company. Do not do business with westlake financial services! They are the shadiest financial company and are out to completely devastate consumers' credit histories and make their profits off of inflated interest and fraudulent fees with their fraudulent business practices. They were fined over $55 million dollars for their fraudulent and shady business practices and they continue to proceed in the same manner. If you are a dealership, protect your reputation and do not do business with westlake financial services. If you are a consumer and you are submitted to westlake financial services for any financial dealings immediately refuse the offer and walk away. You will be glad that you did. Please read all about their illegal and fraudulent company in the la times article below. They still continue to proceed with fraudulent business practices as of 2018.

http://www.latimes.com/business/la-fi-westlake-financial-debt-collection-20151001-story.html

https://topclassactions.com/lawsuit-settlements/closed-settlements/334217-westlake-financial-services-tcpa-class-action-settlement/

https://www.justice.gov/crt/case-document/file/999686/download

Do not ever do business with westlake financial services!

This company has charged me false "repossession " fees of 608.00. The auto loan was paid by Geico in full as it was a total loss. The car payments were never late and the car was not repossessed. The car was a total loss after it was wrecked in a three car pile up. After Geico paid my account in full with Westlake then they went in and added these false fees. This company has been fined by the Federal Government already in the past for corrupt practices.

In March 2017 I was financed through WestLake Financial for my truck. (4 year loan) I never missed a payment. On January 14th 2018 the truck was totaled at no fault of my own the at fault driver only had 10, 000 worth of insurance. West Lake was sent 10, 000 in March 2018, leaving e responsible for 3, 000 more dollars. My monthly payment was 469.00 a month. I had to have another vehicle to drive, my truck was all I had and it was also my work truck. I had to go to a buy here pay here to get one because WestLake red flagged me and I could not get financed threw other financing company's. On the contract I signed with them it was a four year loan. They have more than half of the money I owed within the year of that contract. They are unwilling to work with me on the 3, 000 left owed. They go on a daily interest. They are unwilling to lower my monthly payment to something I can afford, I made a payment of 200.00 and they will call and harass for the rest of it. I have two truck payments now. They are aware of the situation, copart auctions came and took my truck, I dont know how much it will sale for and haven't been notified. They hit me with late fees and the interest being full aware of my situation. I had used them before and paid my first truck of back in 2012, I had no problems until now.

Insurance wrote my out a check with Westlake as one of the payees. Westlake tells me to send the check, they where going to endorse the check and send it back. I called back to confirm everything was right they said they where going to cash to check, pay remaining balance of loan and send balance back. They received the check 4/25/14, waited 2 weeks called back they said they have to hold it for 21 business days before they process the check which will be on 5/26/14. but what i dont understand is that the check has cleared and title has been sent out. So, why haven't remaining balance been sent out i really dont understand and they cant give me a good reason. all they can say is they have to wait on check to clear when i have told them the bank on the check says the check all ready cleared, and they would have not sent title if check didnt clear

WestLake Financial continued to direct debit my acct AFTER I paid my account off IN FULL.Which caused multiple overdrafts to my acct.

When contacting them about this the customer service was extremely poor. Not only did they refuse to admit they were in the wrong. They said it would take 21 business days for them to send me a paper check for the over payment. And my overdraft fees will NOT be reimbursed.

Furious that they would not directly credit my account the way they directly drafted from my acct i patiently waited for my check to arrive in the mail. 21 days later I called back to see where my check was to find out that they have NOT even processed it. I called back again a week later to find out they just processed it and it would be another 21 business days from then that i must wait for MY MONEY that should have not been taken out to begin with.
Another 21 days later I called to see where my check was and they had NO IDEA. Told me they needed to contact the accounting dept to see when it was sent out and asked me to call back the next day for the response from the accounting dept. I called back the next day to find that the accounting dept had not yet sent my check till the previous day when I called about it.

Needless to say I will never finance with Westlake EVER AGAIN.

Spoke with Marisol, Triana, Justin and Lisette, ALL were not apologetic nor helpful or knowledgeable but yet made me feel like it was my fault that Westlake took extra money out my account. I made several attempts to speak with the manager Aleda who refused to call me back or come to the phone. She relayed msgs through the rep I was speaking to instead.

They did absolutely nothing to better the situation of an upset and furious customer that has never missed a payment during the whole duration of the loan.If they treat customers that pay on time every month for 3 yrs like this i would hate to think of how they would treat the rest.

This company is the rudest most horrible company I have ever done business with...They will call you back to back every 10 minutes from before dawn to late in the night, even if you are 1 day late...they will hold the phone, just to harrass you, then they will call from every number imaginable...they bully you into making payments, then lie and say that they did not do it...I can not deal with these people anymore...

Hello we wanted to complain because we have an auto loan with this company and have for a little over two yrs now. Frst off we have very high interest as we have not even started paying off vehicle, second we recently received a bill for twice what our payments were. So we called to find out what was going on as we knew we were not late, we were told the computer must have fixed itself as it shows one payment being due the 15th (it was the 10th) so the rep asked when will we be making that as couldnt make payment then feance stated fri the 15th hsould have it or mon the 18th they said ok and ended call. Ok so well here is where we get very angry... Our house phone rang.. My feance picked up the phone and they asked for me, he thought it was a solicitor so he said wrong number sorry. The lady on the other end started talking about the make of our vehicle and that they were on their way to repo it. I wasnt there so he still stuck with as sorry wrong number. Hung up the phone and called westlake to find out what was going on as it was the 14th and was told fri was ok as wasnt late. Well thats when they told him we must pay it by friday night or they will repo. He stated he couldnt understand why they would as it wasnt even 30 days late. So we called all friends to see if we could get a payment to them and found a willing friend to spot us till got paid. Well she lives 3 states away and only has computer right now as having cell phone repaired. But she called to make our small payment of 330 but only could do 300 and they turned her down cause she was 30 $ short! So she emailed me cursing them out and informed me they didnt take it and she will try to find the rest. Well have a family memeber that could do the restt but couldnt get ahold of the other and westlake still wouldnt let them pay that way! Grrrrr money is money dang it! Anyways we are still trying to make our payment we had to place a postdated check (closed account) for them to wait till mon.
Please can someone do something about these stupid people?! Maybe bbb can?

I brought this broken down jallopy from this shady dealer. I had 18 months to pay for the vehicle. One month I sent in a partial payment and got phone calls telling me to stop hiding the vehicle. I call Westlake to find out why the payment never cleared from my bank. I was told that the check came back unable to locate and now the vehicle was on the repo list. I told them that the payment never came out of my account and the funds were still there. They told me that I had to make the whole payment to get it off the list. The payment wasn't even 30 days late. I traded the vehicle. Westlake called me before the payment was due. I told them that I traded the vehicle in. They told me that I still had to make the payments because the vehicle was still in my name. I told them that I no longer owned the car. I was told my an "Alma" that they would report late on my credit report. I was also told that it takes 1-2 months for a payoff of a vehicle. This is upsurd. If a negative comment ends up on my credit report I will be disputing. Also contacting BBB on these fools.

I have had a financed vehicle with Westlake for 3 years and have been treated very poorly 90% of the time. This last time I spoke to Jay Rodriguez (probably not a real name)he was upset because I was $60.00 short on a payment and went on about if I wasn’t concerned about late fees well then he should just double them and what kind of person am I to need a sub-prime lender and that I was not even smart enough to know my own interest rate.

On and on he refused to transfer me until I told him I was recording the conversation. He then transferred me to a supervisor that was friendly but told me how their phone conversations were not recorded and how it was my word against the employees.

I told him I was going to report them to the BBB and to corporate in which I will do after this. Do not expect to be treated with courtesy when talking to this company they are not run honestly or professionally. Lets all ralley to make our complaints heard.

Since Feb. 2011 I've gotten at least 1 call perday. I've called them told them that nobody by that name is at this number, yet they continue to call when I start to tell them they hang up on me. One male told me "oh ok I'll make it a point to call you every day" All I want is for them to quit calling. There behavior has made me sure that I never will use them for any loans. I've told them that I have contacted the Better Business Bureau because what there doing is harassment but they don't care what a poor way to run a business.

Westlake Financial repossed my car. They were calling me the day before my payment was due to make sure i make my payment on time. I was 3 days late and they were calling me 10 times a day and my job. They are the most rudest people. The they had the nerve to ask why and didn't answer their calls or check my messages. Every time i speak to one of them ; they make my blood pressure go up because they make me so angry how they talk to you. If any files a class action suit against the for their scare tactics and rudeness please contact me. I am with you!

This is definately the worst company that I ever came across. I finaced a car back in October 2009, and this was the finance company that the dealer picked. I did not have horrible credit, and had already recieved conformation at a Ford dealer that Ford would finance me. However, I was more worried about what car I wanted to buy, and this particular dealer had exactly what I wanted in the price range that was perfect. I had never heard of Westlakde prior to this loan, and I would definately NEVER RECOMMEND THIS COMPANY TO ANYONE, INCLUDING MY ENEMIES!. I had this loan for over a year, with no late payments. During that year Westlake would always call 3 t0 5 days BEFORE my payment was due, asking me if I was going to make my payment on time. WTF? I always paid online or over the phone, and gave them no reason to wonder if the payment was going to be late. The "customer service" reps are all hispanic, rude, beligerent, and stupid. In November of 2010 I was 4 days late on my payment (I wasnt even in town) and when I got home, there was 22 messages on my answering machine, claiming to be some repo company wanting to know where my car was? It was in my driveway, where it belonged. This idiot mexican actually thought that their scare tactics worked with me. I moved to Oklahoma after I bought the car, and Mexicans arent allowed in my state. We dont have illegals here, they all get shipped back to Mexico! In January of 2011 my husband and I decided to pay off my loan early. I called Westlake to have them fax me a 10 day payoff letter, and they informed me that I was not entitled to receive one. NOT! In any state, a loan company or bank MUST provide a 10 day payoff letter as soon as one is requested, and that request only has to be verbal. THIS IS A FEDERAL BANKING LAW, and Westlake doesnt get to ignore it. After several phone calls (they kept hanging up on me) I got hold of their Title department and explained to them that I was going to file a complaint with the California Department of Justice, and amazingly enough my fax starting ringing, and I got my payoff letter. NEVER, NEVER take their word for it about how much you owe. THEY ARE REQUIRED BY LAW to put it in writing! I went down and wire transfered the money to them, and they stating that they would be mailing out my title in a few days. Two weeks went by, and I called the same person in Titling, and was promised that it had already been mailed out. A week later a letter from Westlake shows up (postmarked 4 days after I talked to them on the phone), and in that letter was my original contract, and a letter stating that they did not send my title because they electronically sent the information to my state DMV. So I called California Department of Motor Vehicles, and they stated that Westlake had been provided a paper title to my car, and that they were required to send it to me within 10 days of paying off the vehicle. So I called Westlake, and the rep tried to tell me that they took care of my title electronically with the State of California. I called her ###, and told her that I already called the California DMV, and that Westlake had my paper title, and better send it. She then tried to tell me that they electronically sent it to Oklahoma DMV. First of all, Oklahoma doesnt have a DMV, and second, Oklahoma is a little behind on the times, and doesnt do anything electronically. I explained it to her exactly like that, and she hung up on me. I tried calling them right back, and now cant dial their number from my house phone.
After looking at my paperwork a little more, I noticed that my original contract was stamped "THE WITHIN INSTRUMENT OR AGREEMENT IS PLEDGE AS COLLATERAL TO WELLS FARGO PREFERRED CAPITAL, INC." Now I know why I didnt get my title. So after some research online, I found the office that handles the Westlake account in Des Moines, Iowa. I explained to the banker that I had already paid off the car, and wanted my title immediately. He said he would call me back, as it was still 6:30am in California, and would not be able to get hold of Westlake so early. He did call me back that afternoon, and stated that he made some phone calls and I would receive my paper title in 7-10 days. I received my paper title 5 days later.
My advice to everyone...DONT USE THIS COMPANY! If it already to late, GET EVERYTHING IN WRITING! YOU HAVE NO WAY TO PROVE PHONE CONVERSATIONS UNLESS YOU ARE RECORDING THEM. By the way, if they state that they may be recording your phone call THEN RECORD IT ON YOUR END! IT'S PERFECTLY LEGAL, AS THEY HAVE ALREADY INFORMED YOU THAT IT MAY BE RECORDED.
And as far as all of you Westlake employess reading this...kiss my ###, some stupid illegal immigrant will NEVER outsmart me!

I received a bill from Westlake stating that i didn't have to make a payment for dec. but january, so i called and their automated system said the same thing that the bill said so i said maybe there was a glitch with the system so i called back and spoke to a representatuve and he told me the same thing and in january received a bill saying that i owed a thousand and some odd dollars and i called them and they said i should have used common sense and i told the representative i did use common sense that is why i called and talk to a live person so they must not have been using common sense. i told them they better be glad im not in califorina, the representative did not note what he told me and they are always calling and leaving nasty messages

The rudest and most unprofessional idiots I have ever dealt with. These people do not have any customer service skills or manners for that matter. How is a financial company dealing in assets and money going to have such jerks working for them. Wish I knew this before. I just finished paying them off and it was a joke trying to get them to send my paperwork. I should have called them a million times a day. IDIOTS!

I have been with this company since May of 2009 and I have hated them the entire time. Making a payment is a HUGE hassle every month. I was doing super good at paying them on time and then back in May of 2010 my mom passed away and I called to tell them I was unable to work as much because I had to take care of her, they said OK I can make a partial payment and be good. They made me pay $200, my payment is $350... Not much difference. I tried to trade in my car after that and found out they have screwed up my credit. They had reported all my payments to my mom's social security number, who was my cosigner. I then called and complained to them and it too 2 months to get them to backdate all the payments to my social security number. After that I moved to school in a town 3 hours from home and finding a job is impossible there, there are a lot of students and if you have a bad class schedule, good luck finding a job that will even call you for an interview. I have been using my student financial aid which is frowned upon for using it like that. I didn't get part of my money from school until 6 days later than promised which was 16 days after my payment was due, I got a call to repo it! 16 DAYS! When I finally was able to make my payment the lady hung up on me after yelling at me for being late, and then proceeded to have yet another rude employee tell me I have been late every month, I'm not sure what they were looking at but I had been late TWICE. That was in October 2010. I paid October's on time and now in November I was late 14 days and got a repo notice. I am a student with 2 dead parents. I struggle to feed myself and to get gas to get to school and now I can't refinance anywhere else because my credit has been messed up SO bad. They are rude everytime you call and give you the run around on talking to a supervisor. This company is a JOKE!

I called westlake ten times and my reason was it said my account was locked now before i get into that. i was recently in a car accident and my insurance will be paying my account off so now my account is locked where i can't obtain any info. it was fine for me to loh on and pay my bill just a month ago. so i called and i told them i wanted to view and print my account because i was being reimbursed by my school for transportation and that's when the ### started they transferred me eight different times and still no one help me or unlocked my account for me to review on-line instead i got what is it you want to do with the account and i can see the account can i help you *** no i want to print all of my payments you can't help me with that i need it now well they hung up on me i called back and as soon as i gave them my account # they transferred me and then the call dropped again this company is worthless they should give everyone their money back and close the *** down

I have had the worst experience ever with this company. As most of America, I lost my job in 2008. I am a single mother of 2 kids. I would get phone calls at all hours, sometimes up to 20 a day on the day my car payment was due, not a day late, 5 days late, the day of. I was cussed out, told I was an uneducated idiot and thats why I lost my job. I was lied to and threatened. When I asked to speak to the guy who was cussing me out (he wouldn't tell me his name)'s supervisor. He transfered me but was still on the line and never gave me a chance to speak before he talked his "supervisor" into repoing my car that day. When I spoke up to let the "supervisor" know I was on the phone he told me to shut the h*ll up and let him finish. Then the "supervisor" cussed me out! What kind of business is this? I tell you what, my phone getting cut off was the best thing that happened to during this time. My references also changed their numbers. You wouldn't believe how happy I was when I finally made my last payment (on time may I add). I danced for days so happy to be finished with this company, only to be disappointed when in 4 to 6 weeks my title never showed up. I called monday (9/20/2010) the system said they recieved my payment and the title was set to be released on 8/1/2010. Umm sorry but I am educated and I can count, thats 7 weeks. I finally get to talk to a live person (who also rude) and she says there is a note on my account to hold my title but she can't tell me why, so she transfers me to the title department. Guess what? I sat on hold for 45 min. until I mysteriously was hung up on. Hmmm? I call back today (9/22/2010) and the woman I talked to was decent but she couldn't answer any of my questions. Apparently she hasn't been there that long, she still has a soul. I think it's funny that they want to harrass you the day ur payment is due, but they can't send out a title on time. I plan to harrass them everyday until I recieve my title.