I have bought 2 trucks just months apart and Westlake financial financed them well the people I bought them from took off the down payment I put on them and Westlake added it back on got to looking at contract because when I went to pay it off owed more than should have been owed on them. Also at the end of the loans there is a balance after you make your last pymt. Also they would call all hours and not just one time a day 3 or 4 times a day if not more. Got so I would let my machine pick up and they wouldn't leave a message but would call right back. Paid one of my trucks off in sept.2015 and had to threaten them with a lawyer at the end of oct.2015 to even get a paper to state the lien was paid in full so I could get a title they informed me that when they get the title they put the lien than get rid of the titles so we are paying for title again. Also they waited to tell me I owed more on the truck and kept adding interest.

Iv had heart surgery. I was in hospital for a month. I'm behind on my payments. The amount for pay off is 2000. I'm 598.00 behind. I am making at least 100 to 150. Every two weeks. They call day and night. They are rude, insulting. I continue to tell them I'm trying. But each department of this company doesn't know what the other is doing. I tell them to stop talking to me disrespectful, I have had Heart surgery and don't need the threats. That won't our car cause it's almost played for. I don't have a lawyer. What can I do

TOOK OUT LOAN FOR $4900. AFTER 2 1/2 URS OF PAYMENTS I CALLED TO FIND PAYOFF. THE AMOUNT OF PAYOFF WAS MORE THAN I BORROWED INITIALLY. I QUESTIONED THE AMOUNT AND THEY REPLIED YOU WERE 2 DAYS LATE ON YOUR PAYMENTS. I ASKED TO CHANGE THE PAYMENT DATE AND WAS CHARGED $57.00 FOR THE TRANSACTION. THE PAYMENT DATE DID NOT CHG AND THEY KEPT CHARGING ME LATE FEES. THE PHONE CALLS STARTED EVERY MONTH THE DAY BEFORE MY DUE DATE AND CONTINUED EVERY 2 HRS. AT MY PLACE OF EMPLOYMENT AND CELL PHONE. ALL MY CONTACTS WERE CALLED AND TALKED TO REGARDING MY PERSONAL BUSINESS AND THREATENED,ALONG WITH FAMILY AND EMPLOYER. THIS CREATED A VERY STRESSFUL ENVIRONMENT AT WORK. I HAVE SINCE REFUSED TO MAKE ANYMORE PAYMENTS, AND REPORTED IT TO CALIFORNIA CONSUMER COMPLAINT DEPARTMENT. THIS GENERATED NO RESULTS, THE CONSUMER DEPT. SAID THEERE WAS NOTHING THEY COULD DO,I SIGNED THE CONTRACT. WHERE IS THE PROTECTION FOR THE CONSUMER FROM THESE BIG MONEY SHARKS????? WHERE IS THE LEGISLATION PREVENTING THIS KIND OF LOAN SHARKING? I WILL LOSE MY CAR AND MY CREDIT IS DESTROYED. WHO CARES? IF THERE IS HOPE OUT THERE PLEASE RESPOND. I HAVE NO MEANS TO PURCHASE ANOTHER VEHICLE.

After much harassment I finally got the car paid off..now I'm waiting for my title but I never received it. A representative said that the title was sent out on Feb 2nd 2013, but I never received it.Then she tells me I need to go to this site to get a duplicate which when all said and done it will cost me 45.00 dollars. There should be something done about their business practices. Just like the previous complainers I experienced pretty much everything that was scandalous, from the over charging with the late charges to the repo. I'm sick of these people.

I was serving in the army over seas and while I was over their I was looking online for a car to buy before I came home and I came across a 2003 Lincoln Signature from FLORDIA QUALITY MOTORS in Flordia on ebay while in afghanistan, I called the company about the car and it was worth $9.995 with 75k miles on it so I decided to purchase the car from flordia quality motors and they stated that my credit was to low for me to purchase the car so flordia quality motors found this finance company who would finance the car for me and I decided to take it since I was trying to improve my credit not knowing that this company is a fraud. After florida quality motors added their fees to the car and processed it to westlake financial service that's when the finance company gave me a 28.6 intrest rate which made to car to be work over $15,000 because of the high intrest rate. I put down $2000 on the car which made the car to be work $8000 and something odd dollars. When I received my first car note and paid it to westlake with no problem ($342.90), a few weeks went by and I received my 2nd car note and as I was looking at my bill and what I had paid towards my remaiming balance I seen that not the whole $342.90 was taken from remaining balance. I got on the phone and called the finance company and asked them why did they take portion of my payment from my the money that I sent in and some lady explaind to me that I was paying intrest per day and I asked why and she said that I signed it on my contract and I told her that I kept a copy of my contract for myself and I seen that I never signed anything thing stating that I agreed to pay that much intrest per day. Each payment that I sent in in the past few months had a different portion taken from it. I asked the women to send me a copy of contract and when I got it I seen a page that wasn't sent to me to sign but it had my name on it but I have never seen this paper in my contract at all and all the signatures from their copy was in a different way like the person were right handed when I'm left handed. I argued with the women for a long time about my contract and nothing never got resolved. This finance company and flordia quality motors worked together to do me wrong, I even called to flordia and tried to talk to the lady that helped me out with the car and she didn't even want to answer her phone so I called back several more times and finally had the chance to talk to her since she was the one who sent me all my paper work to sign, she and I talked for a minute about my contract then she put me on hold for a long period of time that's when I heard the dial tone like somebody hung the phone up on me so I called back ASAP and nobody picked up and that had me thinking that I had been used by both companys. The car cost all together from what I seen on my contract $12,000 and something minus 2,000 equal $10,000 and I'm just now getting into the $7000 bracket after having my car for 2 years and paying 342.90 a month and the intrest per day that I never knew of or seen on the paper work that I signed and sent in...... My contract is signed in 2 different ink and 2 different hand writings. I need some help in this matter can anybody help me out in this matter. My email address is [email protected] or call me in missisippi 662-392-3687

My husband and I bought a truck last year. We were financed through westlake financial. We paid our loan off early because of the charges they kept adding on. We sold our truck the day after. Because we didn't have the title in hand, the lady we sold it to, who had a copy of my drivers licence, called them and with only my phone number, name, and date of birth was able to access my account information. I was appalled that she so easily got into my account. I asked them how she was able to do so and got a bunch of lies. I then requested a secret question to be asked for any call regarding my account. Se we made the question and answer. Not even five minutes later I get a phone call from them. The lady was rude and told me that they are not required to ask a secret question. I told them about the lady who called and once again asked how it was so easy for her to access my account. She told me that tete is a three step security process, which is a series of three security questions. They ask for either account #, social, or phone number, then they ask either birthday, address or full name. If you gave three out if these correct then you have access to the account. I explained to them how easy it is to get that very basic info online and she didn't care. I could be anyone when I call. So I called them and answered wrong on purpose except for the info you can gain online. I answered my name, my date if birth, and my address. I for right in to my account. Again I wad told they are not responsible for anyone calling in as long as they have the correct info. They do not care about security it privacy and made that very clear. I would steer very clear from this company. They are horrible and tack on hidden charges. It's disgusting.

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 bullshit, 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 ass, some stupid illegal immigrant will NEVER outsmart me!!!

Kudos to Sekaz, I agree the always use rude ignorant people to collect debts i guess that's the only job these people can get. I have a loan with westlake and they always call. They have my cell number so i don't even pick up. I had this loan for a year and plan to pay off
this month. Thanks for shedding light on this so now i know what to look for when i pay off.