Westlake Financial Reviews

I called and asked to speak to a supervisor and a girl named Veronica ** with collections department spoke to me. I understand they need to ask for the company's money but, she was so rude and had no passion when asking for the money that was owed. She presented no compassion or even trying to listen to me and understand the situation. She really needs customer service/management training, sad that the representative prior speaking to her had better customer service.

I paid off my car and I have the proof of the paid off paperwork yet they haven't sent my car title yet. Other thing is that when I check my credit report they still report that I own car loan from Westlake financial which completely untrue.. I knew that they have the worse customers service I work with. For future loan need I will stay away from this company.. And I will recommended to anyone I care to them. As it go to my car problem I will call them today and found what's going on?

I honestly don't see why there are so many complaints on this company. We have our Jeep financed through Westlake Financial and have for almost a year now and have not had one single problem with them. A couple of years ago, we did a mortgage modification to lower our mortgage payments on our house and, little did we know (thanks to the idiots at Bank of America), that would negatively impact our credit. So our once good credit rating slipped after that and we had difficulty obtaining a decent auto loan, but Westlake accepted us and gave us an affordable loan for the Jeep we really wanted. We have made every single payment on time and they never bother us.

After being late 2 months the car got repo. Contacted Westlake to arrange a payment to get the car back. The Customer service is really disrespectful and my call was disconnected as I was trying to get information regarding the location of my vehicle. After submitting payment around 9:00am I called Westlake to provide them with the Western Union confirmation number, they advised that the process for the release for the vehicle would take approx. 24-48 hours. After a few hours of the payment we contacted Westlake again to see if the process could be expedited. They said that the release form was submitted to the towing company around 1:30pm.

So my payments are due the 4th of the month. I sent my payment the middle of the prior month and they claim to not have gotten it. I believe they hold checks past the due dates to charge fees and damage credit the closer you get to being paid in full.

Date was Dec 2, I received a called from Alfredo about a November payment, in which I told him I was going to pay that day. OK granted I didn't make it to the bank that day due to the bad weather but I had this car for over a year. Never had a problem with my payments until recently. My payment is due on the 2nd. Called to see if I can get my payment date changed being I am no longer working at this time. But because the car is in my husband's name I was not authorized to speak on the account. The problem came into resistance when my car was picked up the same night I spoke to him. They are 3 hrs behind my time. When I called to speak to him about what I needed to do to get my car back, he was so rude and when I asked to speak to a supervisor he said there was no one there at the time. He told me I need to pay my payment with a debit or credit card and at no cheap dealer.

Well, I have been dealing with them for 3 years that my husband became ill. Explaining over and over the situation of having an ill husband and a child with a disability to whom I need to drive to therapies and I need to drive to work that's why I need to keep a car that my husband bought in a dealer in Manassas, VA. I was late a month one time and they towed the car and I had to pay 1800 to have the car back. Now I am late again and call them to explain the situation and ask them to accept a partial payment since I just own 2000 but a men named MARCO just treat me like I was a criminal trying to still something. WESTLAKE SHOULD NOT BE IN BUSINESS AND ALL CLIENTS SHOULD BE TOGETHER AND DO SOMETHING AGAINST THEM!!! They are inhuman.

This company has the worst customer service. I paid off my account like two months ago and they still have it on my credit. Every time I call it, a different excuse. I have spoken to 3 supervisor and 10 agents and my situation is the same. I am unable to get another loan because they are still reporting this account under my credit. They insist the social security is not mine and they are not able to remove it without me emailing my credentials to them. I have done so and they still have this account under my credit.

Their customer service is so rude. All they want is for interest to keep adding up on the loan. I tried to pay off my loan and they received the check, but kept it for 1 week and would not process it. Called the customer service line and they kept transferring me. I talked to 5 different people who were so rude and didn't even care. I would not recommend them even to my worst enemy. I wish there was a negative star.

I paid this loan off in full, I had a payoff letter from the company. I also spoke to a Jose that was handling my account numerous times to ensure that the over $4500 I was sending covered everything and I would get my title back. I made the payment, got my truck and after a month still no title. I just received a statement that I owe another $850 dollars on the account. It is not detailed at all what the charges are for and now of course Jose won't return my call and when I call the main line they just put me on hold and leave it.

My son purchased a truck through this company. When he calls them to let them know that he would be late they get rude with him. They ARE NOT HELPFUL OR UNDERSTANDING like they say they are. And they are harassing. It would a very big mistake if ANYONE goes through them for a loan. Find someone else. Worst loan company.

I bought a car from Maximum Auto in Virginia on February 2015. The car was marked $12999 and I put a down payment of $6000. I had the car. I'm an Uber driver. I been involved in car accident on May 27. The person who hit me was in not insured car. I made my living by driving for Uber then I have to look money to fix my car. I call and inform Westlake about the whole thing. I paid my payment from my savings for two months and fix my car out of my pocket.

After 48 of bending over backwards and jumping through hoops doing their job for them, they continue to try and push higher rates and shorter terms too. They promise you something... Then change their "promise". Horrible business to deal with. They will never have my business again. All this and I am a returning customer, I have already paid off a loan with them in the past... this is how they treat returning customers so if you are new STAY AWAY!

My car was repossessed on Wednesday, October 7th. Westlake Financial apparently bought out the old company that I was getting my loan from (Condor Capital). They bought out the company in November 2014. I didn't have any notification of this whatsoever. The payments for my car were still being sent over to Condor Capital. They took my car and I was under the impression I was paying them on time because the money was coming out of my account every month.

So in August, my husband and I purchased a 2007 Jetta. Our first payment was due on 9/16. We are trying to rebuild our credit so I thought I was doing something good by making the payment early on 9/1. I tried to set up the account so I could make online payments. Well of course they won't accept the first payment online. HAS to be over the phone and they hit you with a "convenience fee". Fine whatever. Did it and was feeling good about making my first payment early. I decided for the 2nd payment due 10/16 that I would mail a check in for payment to avoid the "convenience fee". They received and processed my payment on 10/5. Again was feeling good, until I looked at my statement. I'm being penalized with double interest because I paid EARLY!!! Are you friggin kidding me?!

In July 2013, I financed a vehicle at a buy here pay here. They sold my contract to Westlake Financial. I have made all my payments before the due date over the phone, but they have been reporting my payments late. I have called their 800# and all I get is the run around, get placed on hold for about 20 minutes. I have spoken to a manager and on their records, they show missed payments. I have mailed out a letter to request the investigation of the funds I have paid them. To this day they have not yet responded. It has been more than 30 days. I have my bank statements showing every payment I have paid Westlake. I sent off payoff amount Cashier's Check, by certified mail more than a week ago & have not yet received the title.

This company is a complete disgrace. I lost my job and still managed to make payments. I have $600 left on my loan and am less than 10 days late and they picked my car up. Not to mention I called Monday to let them know I would be making a payment on Wednesday. Completely disgusted with this company and their customer service and just plain people skills. I have never in my life dealt with a company that harasses you and everyone in your family endlessly and when you call them you hit a brick wall. My car isn't even worth as much as I've paid them for it. It's an older vehicle and with all the interest and repo fees it is almost doubled the loan amount. I wouldn't recommend this company to anyone and hope legal action is taken against them.

My truck was repossessed in May of 2015. I have been on time with my payments since then. In August I made last payment which I thought it was, until the sales representative told I had a balloon payment of 1200 bucks. When I told the representative that information cannot be correct and that I need to speak to a supervisor, he further explain that I have need to make the payment of what due so I made a payment arrangement for that following Friday. When I walked out my house to go to work that following morning, there were a repossession truck towing away my vehicle.

I've never dealt with such horrible customer service. These people are the most disgusting rude people I've ever had any encounters with. They harass you, call from blocked numbers, to extent of even threatening you that your call will be repossessed! Stay away from them. Do not do business with them. You'll regret it.

I have never dealt with such rude, unprofessional jerks in my life as the people at Westlake! They put my truck out for repo after one late payment! Then I tried to get a payoff and the woman was the rudest person I have ever come in contact with. She would not answer my questions as to what form of payment and how I get the title after it's paid off! She kept talking over me and never answered my questions! I finally got so fed up with her that I hung up on her and I am trying to pay the dang thing off! Now, I am afraid to pay it off for fear they won't send the title because of "additional" fees they tack on! They are horrible! Stay as far away from this company as you can. RUN!!!

They call incessantly. I have a payoff of $600 and paid 1/2 by telephone...was told that I have 30 days to pay the rest. The same day and the next day I was called 5 times, telling me I only had 7 days to pay the balance. I explained that I was told 30 yesterday; they said I was wrong. Asked to talk to a supervisor and instead of transferring me, they disconnected.

My father had a loan and he died in December. I notified them of this in Feb and wanted to make payments. The company said no - I was not the legal owner and I needed to send them death cert and court papers. I did this in July and on Labor Day they repossessed it. Now they won't even let me get my stuff out of the vehicle. They say I am not the owner. I said I have a will and a document from the Mass courts stating that I can sell, lease or rent any assets of the estate as the personal representative. My lawyer said the estate is the owner and the truck should have never been repossessed in the first place. Unfair business practices. I am filing against this company with the Massachusetts Attorney General’s Office in Boston, and filing a court claim against them in small claims court for my property.

I thought I owed only one more note and received a notice saying I owed an additional 1500 on my car loan. When I called to talk to someone I was informed that if I failed to make the additional notes I would be in repo status. I pay a week or two early every time over the phone. The online payments never ever work and heaven forbid you pay with a check or money order. My car note is 300 but I am always charged an additional 15 for convenience fee of using the phone because they're online and send it are jokes. This company is a ripoff and crooks. I have learned my lesson quite well. If you are ever offered finance with this company run as fast as you can. They pride themselves with dealing with bad credit but they never ever report it to the credit bureau.

I made payments after I paid monthly payment obviously for the principal but They took out the interest. Then the next payment I made they took out more interest. The breakdown of what goes to interest and to the principal was manipulated after I paid online. Instead of putting $112 of $175 to principal they only put $74 of the payment to the principal, took the rest for interest. I finally got a manager, Stefanie, that said she would readjust it in 48 hours, stated they will not send a correct statement and that I should check online in 48 hours. That was last Wednesday, nothing changed.

I made my car payment by Moneygram. But they claim they got all of them except July. Fax them the copy of the papers. Everyone that I spoke to was very nasty. And demanded me to send them the money over again. Keep giving me the runaround. I need help.

They took an additional payment out of my bank account and claim they have 21 days to return the amount owed me. Failure of them to accurately take care of their error, and 21 day waiting period is not acceptable!

Westlake is such a ripoff!! I understand if a company finances they have to make money but there should be a law against what they do to people. I know I bought a cheap and older vehicle and Westlake financed me and I'm sure I am paying more in interstate than I actually paid for the vehicle. I would NEVER recommend or use this company again!!!

They financed the car I have. Contract was signed on 08/5/15. Dealer did not hand the car over until 08/19/15. They were getting title and putting in GPS device and doing their verification process correcting other problems with the car before delivery to me and much more. I was called by dealership to pick up the car on 08/19/2015.

Westlake Financial is by far the worst loan company I have ever dealt with. They will call you incessantly and have no common sense. After repossession, I totally paid off the balance of my car loan, but find it difficult to retrieve my car as they kept adding on bogus charges to make it impossible to. I have paid $3547.00 to complete my car loan and now face an additional 896.00 in additional added extra charges and every time I spoke to them it was another story. Now I find that if I do decide to pay the final charges that they are sticking me up for, they have shipped my car to an entirely different city and I will have the expense of towing it back from there. This is incredible and not to be believed.

I have been with this company for 3 yrs and I have always made my payment - may not have been on time but I nevertheless have made the payment. Now my loan has come to end July 22nd and they are the most nasty people to deal with. I have explain to them several of their agent that at this time I'm not working and one told me that's not their problem. I need to tell him when I would have 955.00 and now they place a lien on my car and now I have make the call to make sure they release the lien so I can get my car paid off from another company so I don't have to deal with them no longer... I hate this company and I don't wish them on anyone...

My withdraw supposed to be every 18 of each month, Westlake change it to the 2 of each month and they claim that I'm the one who changed it. This bank is no ** good at all.

I purchased a car and was finance through Westlake. I called them to tell them my payment was going to be late due to me being in the hospital. The people sold my loan back to the dealer without telling me and the dealer repossessed my car with my payment.

My father is writing this. He decided to help me pay off my car loan. As required by Westlake, I (Susan) sent a printed letter stating that he could have access to the account and speak to representatives at Westlake per their rules. It was sent with two checks to Westlake, one for regular payment and one for principal only. They were processed on August 6 and 7, so the letter was received. Westlake says the letter is still not in their system. They also seem to have great difficulty in processing principal only payments. We decided to pay off this loan and save $8430 in interest!!

I swear this company needs to be shut down fast. My husband and I had a wonderful Dodge when he was in the Army when we could afford it. My husband is a disabled vet (serving 14 years) and was no longer able to afford the payment so we gave it back. We made up our children and moved to Florida to get a new start in life. So with him and I being sick and having so many appointments plus having kids that need to go to doctors we decided to go to a little car lot to look for a car. I found a Chrysler mini van and find out paperwork to try and get it.

This company is the worse to deal with. Staff is super rude and have no intention on helping a customer with any problem. Once you sign a lease with them the only thing they care about is you paying them on time. Whatever else goes with your account they don't give a ** about... excuse my language but they are horrible.

My car note is due on the 20th of the month. I gets a call on the 24th the rep telling me that if I don't call with a debit or credit card they gonna come get my car! They have the RUDEST customer service Reps I have ever had to deal with. My wife told me not to take the deal from the dealer because she have heard from other people how disrespectful these people are at Westlake. They will call you the day of your payment all day. I feel like they are BULLIES!!!!! And then they treating REPO. Stay away from this company. The BBB need to look into this company.

So my story is a lot like everyone else, but it really isn’t me, it’s my son who got a loan through them. He had a great job then when the oil prices crashed so did his job. Myself and everyone in our house has been getting calls from this place. Well today when they called me and asked me to get a message to my son, I said I would be happy to if they would give me their name and at least who was calling. I was told sorry that is confidential. "Ok, then no I can’t tell him you called because I don’t' know who to tell him is calling." This goes all day. Finally, I talk to someone who tell me it’s Westlake. "Ok, thank you. I will let him know." Then later a Carlos calls and apparently he can’t discuss any of this information with me but my son needed to call. Ok, I will try and get the message to him as he currently is in the middle of nowhere.

This is THE WORSE damn finance company I have ever seen in my entire life. My payment was due on June 15th. I called, tried to make partial and they wouldn't take it. Asked for date I could I gave it to them & was under the impression it was OK. Next thing I knew my car was being repossessed. They now MAGICALLY have no records of that conversation. Are requesting two payments plus 700.00 in repo fees. I paid all fees & copy of DL with three references. I paid a total of $1517.00. I call back to advise of payment and now all of a sudden they need more documents. So yet again I send more documents, call back with proof they have received them & they keep telling me they don't have it despite me having proof that they do!!!

I would give this company 0 stars if I could! First off I had my truck repo'd - work was slow and I could make the payments on time. I finally got the money to pay, contacted customer service on trying to get my truck back. Each person I spoke to gave different information and were so rude. It would be great if you gave your reps a 101 on customer service. I asked one rep to give me her full name. She stated that it was confidential information? That's a joke! They also asked for proof of income. I told another rep that I was self-employed and didn't have any pay stubs. She said, "Well, go to your boss and ask for a letter???" As far as I know I am my own boss! Again this is a joke right?? I can't wait to get my truck paid for!

I did not even want to rate this a 1 star. I am so disgusted and annoyed with this so called company. When you reach a representative on the phone they do not answer your question but instead try and find a way around answering it. I was guaranteed to have my payment due dates changed and it never was and now they tackle on these late fees; a payment I made reflected on my bank account yet did not show up on my account with this company and they are trying to say my payment was reversed because I did not have the available funds. Continue to stick with this story even after I faxed them my bank statement showing the payment made. I have a complaint filed with the Better Business Bureau and have an investigation going and the company does not respond to BBB in a timely fashion at all and AGAIN they do not give any answers to try and resolve my issue with them.

So, my husband and I got a divorce. On the paperwork it clearly says I'm not responsible for the car in any way shape or form. So, I call them and go through about 7 or 8 transfers before I finally get to the correct department. (They literally sent me in circles. I got the same person about 3 times) FINALLY I get a hold of someone. They lost my paperwork from when I faxed them my paperwork proving I'm not responsible for the car. So I call them again this morning, going through the same circles before I'm now on hold for 15 minutes (Still waiting to talk to someone). These people have no idea what they're doing. Horrible company.

I had bad credit so the small corner auto dealer set this up for me through Westlake Financial. I made all of 20 monthly payments, most of them on time. I mailed my checks from Wisconsin to Los Angeles and it usually took 10 days or more for them to post. I have 5500.00 of my own invested in my 2001 Explorer and as of this writing owe 3 more payments totaling about $700. We tried to work with them but they do not accept partial payments. This week? Without notice they took my truck from my work parking lot. No one came to talk to me? No letter or contact from them to warn me. Now they want over $1400 dollars to get my truck back? Plus what the repo company gets for storage, towing, etc.

Okay! I am not a client of Westlake but I am making payments to a car that belongs to a friend since 4 or 5 months ago. You would ask yourself why am I doing so. Well I wouldn't be doing it under other people's name if it wasn't because of them. Every time I called to see if the payments could be transferred to me under my name (as I am the person that is paying the car) first they told me YES, it could be done but the owner have to call first and say he can't pay the car, and that he will surrender it to me, so I rake over the payments.

In may I bought a car from EZ Credit Auto Sales, they got me a loan through Westlake Financial Services. My first payment was due June 15. I called them and gave them 200.00 and made arrangements to make the other half of the payment in 2 weeks, as I was in the middle of changing jobs which they agreed to on July 3. The dealership called and advised they received a letter from Westlake to take the car back and give them their money back. Westlake will not deal with me, only the dealer, and now looking to repo the car. This is illegal. What they are doing and will not work with me? This company is a scam.

I purchased a vehicle from Auto Motor Imports in San Antonio TX. 1 weeks later it needed an engine tear down. 2 days after - new transmission. I called Westlake and they said not their problem. They need their payment so I have to pay it or they will mess you credit - OK but I have no truck. They don't care for customers...

The collections dept representatives can be very rude... If you are late on a payment and get a call from a guy named, **, it's going to get ugly... He will overrule you and be rude. Definitely not a professional representative. Certainly a guy that takes having access to these accounts personally to the point that it's just downright mean. Can't wait to pay the car off and be done with this company. Not happy dealing with them at all. I feel like I owe the mob. You can be as cordial and professional as you'd like while giving the date you're making the payment and still be bombarded with disrespectfulness and retaliation threats to your account. Now looking through other customers' reviews, I'm regretting my negligence in doing background research before signing the paperwork for my loan.

Purchased a car and financed through them in October 2014. Signed up for automatic monthly debit immediately because I read all of the horror stories of repos they're responsible for. I was first contacted by then via phone to "interview me about the car." I asked for some loan details & was told I'd receive a "welcome packet" in the mail within the week. I also asked the rep. if there were any fees or rules they had if I wanted to pay the car off before the 36 month term and instead of giving me a direct answer stated again "all that will be in the welcome packet."

I got a used truck from a buy here pay here back in March, which I loved my truck more than anything! I traded a jeep, I paid $200 for this truck which I financed almost $11,000 for. Made a few payments then realized okay this isn't gas sufficient for me to drive my kids to school. I tried talking to them to figure something out about getting out of it - nothing. Very rude people! My fiance ended up getting a brand new car so I called Westlake and told them to come get the truck as a voluntary repo and they threatened me that they were taking me to court and I would be responsible for the remaining balance on the loan, my court fees, and their court fees! I was so upset I cried. I still get upset about it. Watching over my shoulder wondering when they will be here to get the truck. I wish I never would have got that damn thing! WORST MISTAKE OF MY LIFE!!!

My credit score was in the healthy 700s +. They lied about price, charged me a fee for using the atm. About $100+, tires in bad shape, as rims, dirty found glasses, old McDonald's fry. Invested far too much $ apr, ridiculous!!! Near 22%. They should be investigated by the federal government. My credit score decreased, have never missed a payment ever. Always do payments on time used to grant access into my account. Shark Loan!! Help!!!

Bought a 2012 Ford Fiesta in 2013. Made all payments. Missed one payment and paid it late. The next month was 3 days late on payment and they repossessed it without notice. Had to find out it was repossessed after I called police to report it stolen. Some of my kid's stuff is in the car and paperwork for my husband's job is in it. Very shady business. When the loan was thru Condor Capital we never had any problems but as soon as Westlake took over they have been nothing but a problem and extremely rude.

My car was totaled in February and I had bought gap insurance from Westlake Financial. I had no fault in the accident so my insurance covered all but 700 and are going after the other insurances. They only paid part of it and are trying to get 290 dollars out of me. On top of the fact that they never started reporting to credit companies until I became late because they wouldn't pay the 290 off. This company needs to be investigated for fraud. I'm trying build credit. I paid them every month until car was totaled and should have been paid off.

I am only behind ten days and I keep getting harassment phone calls everyday all hours. This company is very unprofessional and want help a buyer who paid as agreed in a timely manner. They should run of business.

I mailed a payoff balance to the rip off artists Westlake Financial over a week ago. They claim they never received the check. What I think they do is they hold on to the check so more interest can be added. This company needs to be investigated and a class action lawsuit should be brought against them. They will harass you if you're one day late with your payment. They will call your house a few times a day until the payment is received even on Sundays. If I knew what these people were like before I got involved this place I would have never did it. They need to be investigated.

The problem I have is in creating my account. 3 times I have tried to create my account, 3 times I have had to call customer service to get a temporary password. When it comes time for my payment, then I have had to call customer service again. Then I am charged extra for making my payment thru customer service.

Take your car back right now and ask for another finance company!!! I was a little late with a payment. If you call and want to speak to another person. The one helping you over the phone WILL fight with you and ask you "why??" over and over. Then they "transfer" you which is really just hanging up on you. This company does not update their info on the computer. So once you're late, you will be called and harassed continuously. If you were jobless for a little moment like I was. They will harass you and threaten to report you refuse to make a payment and tell you unnecessary comments that make you cry. They will immediately put you on repo. I'm not exaggerating. I was continuously harassed to the point of tears many times. Do not do business with this company. Do Not put yourself through the stress. This company must have no policy against yelling at their customers.

** Westlake!!!! Make a long story short my loan was closed and sold back to the dealership. I was told I would receive my refund (CAR NOTE) within 21 business days. I called a few days to check on the status and I was told my money was getting sent back to the dealership. Wtf, the dealership didn't make that payment. I did! So now I'm hella mad. Been getting told different things since I've been waiting on my money!!! Happen to call today to see if it was mailed out and they had the nerves to tell me the dealership will receive it by the 19th. These ** have lost their mind! Yeah, I'm hella heated. They're not about their word. Giving me false info for the longest. So I've decided to tell my story. I wouldn't recommend them to my worst enemy. They're full of **!!!!!

When my auto insurance totaled out my truck there was a balance remaining of about $800. Their GAP won't pay the rest. The excuse was that there was previous damage to the vehicle that the insurance wouldn't pay.

I was told I paid my car off in March of 2015 but had a balloon payment of almost 1,200 dollars. I informed them repeatedly that I lost my job May of 2014 and could not make a lump sum payment. They waited till last payment made to inform me of this practice. They repossessed my car and won't tell me where car is so I can get my wallet and other personal items out. They dragged my car 1/2 a block, damaged my front end badly, just keep getting the runaround, and not one payment reported to credit bureau. Please do not use this company. Good luck to all who have liens with them.

We paid off our auto loan after 3 years of hell with this company. A minute late and they will harass you. We paid off the car loan in February and it is now May and we still have not received our title. Save the money and buy a used car. DO NOT GO THROUGH THIS COMPANY!!! It is hell having to deal with them. They are CROOKS and have no work ethic!!! STAY AWAY!!!

In June 2014, they repoed my vehicle. Upon them receiving the next day $1,871.18 quick collect (more than what was owed) they added all the necessary fees including the REPO fees. Thereafter, a full and final payment of $460.00 was mailed to Westlake to pay the remaining balance OFF IN FULL. A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of $144.29 for the remaining of the repo bill.

This is by far the worst loan company I have ever dealt with. They will call your phone and blow it over any little tiny detail. Call every single day multiple times a day over stupid stuff. If you have any problems they don't care and don't try to help you. They only charge you more and more money. I had a 4 year loan and after 3 years I was told I still owed 14 months left on my loan. That is completely stupid when it's a 4-year loan and I've already made payments for 36 months straight. They are a bunch of liars and will charge way more on interest than any other company. They don't do anything to try and help you. They are just a greedy company that will try and take advantage of you. DO NOT EVER DO BUSINESS WITH THEM. IT'S A COMPLETE RIP OFF. Seriously it's the worst company I have ever dealt with in my lifetime. I advise and urge you all to not get a loan from them as it will be more of a headache than you will ever want.

So I got a collection notice due to an x-ray that was taken at the hospital. I have Medi-Cal. I called them to provide my info and they stated they were going to check that and call me back. I did not hear from them and assumed everything was cleared. I got notified they filed a claim against me at court? Ridiculous.

Every time I call this place to pay my car payment they are always rude and disrespectful!!! I just got off the phone with an agent who was rude so I hung up to callback to speak with someone else... I was transferred 4 times and he had put my account into repo status!!!

Had the car for over three years. They repo the car. I thought the car had been stolen for 7 months. Only to find out from my insurance company that it had been sold it at an auction, and put it on my credit as a repo under 4000 was owed.

Bought my car in February 2015 and I am being financed through Westlake financial due to the fact I have no credit. On April 30th I received my first statement in the mail from them stating my payment was past due and my due date was April 13th. The statement was dated on April 18 but post marked the 27th? While reading this statement the dealership where I purchased the car informed me the finance company had defaulted my loan and my car was up for repossession. I called Westlake to make a payment and was asked why I hadn't made any payments and was also told my account was in review for default for non payment.

I know they gave me a chance to get a car off the lot that I really do appreciate. But my credit doesn't have anything really bad (after I paid 1200$ down payment). But I get charged 5 dollars a day (5 x 30 days = 150) just to have the car plus 23.99% APR on 392.00$ monthly payment. 392.00 - 24% APR = 94$ for the purchase plus 9.00$ fee to pay the car note. My family feels it. I barely pay the principal every month. My credit score is 611.

I was far better with my old Loan company and will do anything to get out from this company. This company has lost my Business and will do everything to keep people away from these company.

I got a car from them in late October. My first late payment they said they graced me 30 days because my job had payroll issues and I couldn't pay on time. They never said that the next late payment would result in sending my account to collections. They were so rude on the phone when I tried to get help to pay them. I was talking with the collections department and when I asked the girl if I could send money she said, "no! you are in collections!" The car I got was from a place called Killer Carz in North Plainfield NJ and they are killers because the car is such a piece of crap. Major suspension and steering issues, etc. I explained this to Westlake but did they care? They only said it would be auctioned off and I would be liable for the balance. Sending a repo man in the next few days. Good luck finding it.

Here goes. I have had an auto loan with Westlake for over a year now. At one point, I was short by $55 in a payment I sent to them. I called them and explained the circumstances, and agreed to pay the $55 the following month. The next day, I start getting phone calls at 8 am demanding I pay the $55. I tell them to check the notes, that it has been agreed that I will pay it with next month's payment. I received 11 phone calls that day, 10 the following day, and 12 the third day. I finally stopped answering the phone.

I financed my car through Westlake in 2012. I had one extension and around Christmas of 2014, I called in to get a payment arrangement. The rep let me miss the whole payment and just add it to the end of the loan. I recently paid off my account and now have my title. IF YOU PAY YOUR PAYMENT ON TIME, YOU WILL HAVE NO ISSUES. IF YOU ARE GOING TO BE LATE, CALL THEM OR BLAME YOURSELF.

So as if 24% interest wasn't enough $5 fee on top of every payment, rude people who don't listen or care why you're late even by a day. Called me when I was in the hospital (I'm 39 & had a stroke). They called me at work (on personal phone) & I talked to them, but then the following day they were calling again. Isn't this illegal?? I thought a debt collector had to wait 2 days after talking to someone. That's how it was in Tx where I use to be a debt collector. Someone please help. Would love to re-finance my car with sometime else, lower APR & nicer people.

I have had my Westlake loan for only two months. The first month I paid by phone and everything was fine. Then came time for my second payment which I sent a check to the overnight mail in El Monte, CA at least two days before my actual payment was due. My husband and I start getting calls on the same day the payment was due saying we are past due. We stated where we sent the check to and what the check number was.

I keep getting the run around for changing state title through their titling department!! I am paying state charges for a title and the titling department is trying to charge me more money! Refused to let me have the fax number, and do a 3 way call with the dmv and talk to a supervisor.

We bought a car over a year ago. We were financed by Black Hawk Financing. We pay two payments at a time and currently are paid up to June of this year. When this ridiculous farce of a financial company bought our account, they called three times saying we were two months behind on payments. We told them, that we were not and had bank statements to prove it. After, my husband tried calling Black Hawk to see why Westlake didn't seem to see that we were paid up. We could not reach them. They evidently have skipped on. We spoke again with someone at Westlake and sent them proof of payments since they come out automatically from our bank. The one rep. said they were just having a mess getting all new accounts straight. But today I received a letter stating we were behind and they have repeatedly tried to contact us.

I had been a customer and paying my payment every month when i get paid on the 13th; my payment is due on the 2nd...i have always used the mailing addr as my method of payment bc I'm not paying $9 for a rep nor $5 for the automatic system to take my payment. My maturity date is 12/2015 so I'm excited to be through with them completely to where I wouldn't dream of getting an extension to prolong the loan. Well, to my surprise my car was missing one Sunday morning and calling to report it the police advised me it was recovered! Wait, I'm still with in my grace days at this point, let alone not more than 30 days. The company used to recover the car was out of Baton Rouge (the southern part of the state and I live in the north eastern part of the state) of which they would not allow me to get my belongings out of the car nor tell me the location of the car.

My car payment was 17 days behind. My payment was only 272.00. I paid 240.00. So I owed them 32.00 and do you know they disabled my vehicle for 32.00 - that's crazy! They say they don't take partial payments but I'm not even a month behind until the 23. They are rude people and something needs to be done.

Okay so I bought a car through a dealer & paid half in cash & the rest financed from Westlake financial services. I have already made one payment and I got 2 letters in the mail yesterday. 1 from Westlake saying they received my payment and the other letter from Western funding Inc saying my credit was denied for the loan of the car. I'm not sure what to think. Westlake financial services is in L.A. California and Western funding is located in Las Vegas Nevada. Help!

Westlake financial has the absolute worst customer service I have ever encountered. Every time I called to make a payment or just if I had questions I was transferred at least 4 times! Once I was on the phone with them 56 mins and had been transferred a total of 8 times! By the 3rd I had become frustrated asking them to please get me to the right place this is ridiculous. The representatives were very rude and displayed no compassion. They could care less that I was unsatisfied with the service that was provided to me. The representatives at Westlake needs to be educated and trained on customer service.

In late November I got a 2014 Kia Soul form CarMax and was financed through Westlake. My car payment was to be 481 a month and the first payment was due on the the 10 of January. When I got the car I set up my payments to be taken out of my bank account each month. On March 22 I had my car repoed for late payments. I called Westlake on Monday and it took 27 phone calls to finally talk to someone about my car. One person told me that they have no record of me and have no idea why I was calling them. Another person said that my account was for a 2001 Infiniti so they can't even get the right car. After being hung up on the next ten time I talked to the rudest person I have ever spoke to in my life. He informed me that they have no record of my bank account and they have never received a payment. I then asked to speak to a manager and was hung up on.

Do not take out loans through westlake financial. They are scammers! They wil call and harass you over payments you have already made. They have called me 10 times about payments already made. The managers are rude, and have no remorse. They lose every payment made, and the excuses is always, "we applied your payment to another account". After going on with "westlake" manager for 4 hours over a payment that was there the whole time (after I was treated very rude), he finally finds it, this has happened 10 times at least! Please! Do not do business with these people!!!!! Thank me later!!!

Was told our vehicle payoff balance was 2,104.00 on Feb 20th which I paid in full that day. Then on Feb 23 we got a statement from them and have stating our balance was 1,129.70. I called customer service and they said I was only due a refund of 174.00, I stated no I am due 974.30 and I then was told I would have to speak to a manager. Today is March 23 and have called this manager numerous times until her voice email was full about my refund, its has now been a month. I finally talked to someone in customer service that got her directly on the phone for me.

I woke up this morning and my car was not there. I owed 2 payments to Westlake Financial and after speaking to a rep on Friday 3/20/15, they told me there is no repo out for my car. I call to make a payment on Saturday 3/21/15, and the office is closed. Today Sunday 3/22/15, the car has disappeared and no one can find it. I can't speak to anyone because the office is still closed. Not even the NYPD has records of my vehicle being towed.

I bought a 2014 Ford Focus from Westlake Financial and got behind on payments and they repo the car. I paid them $1000 dollars and got the car back in May of 2014. June of 2014 I filed bankruptcy. Calling them they told me I was 3 months behind but when I paid them it brought me current. Anyway the bankruptcy stopped them from coming after me. During the bankruptcy they charged my loan off immediately after I filed but I was making payments to them through the bankruptcy in which none of the payments were going to the balance.

I recently closed an account with Westlake and they sent my refund back to the dealership that has been giving me the run around since 2/25. They owe me a refund of $492.82. They give the worst APR of 18.%. Wish I never done business with them. I filed a complaint against them with the Attorney General's Office in California.

If you get an offer from this company for financing, do not think of it as a gift... Think of it as signing up for Cancer. Because they are out to get everything they can from you. They are the bottom feeders of finance. Ask to borrow money from a friend, get someone to co-sign, do yourself a huge favor by not giving this company business. Maybe they will soon not be able to make money off of other's misfortunes. SOOOO GLAD I DECLINED $3,700 down and 22% interest on a brand new car that wasn't worth but 15k new. If I can save just one person from the misery that this organization would cause them, it is worth it.

We received our loan for our car back in June of 2014. All was well. My husband lost his job in August and after transitioning to a one income household we started making payments again in September. We were continuously one month behind because we just couldn't afford to pay an extra month at that time. I asked to add a month on to the end of the loan so that we could be caught up and stop getting harassing calls every single day. I was told that no, they don't do that with their company.

I have an open account with Westlake Financial through a GMC that I purchase, got a loan from this company and I missed two payments and they repo my truck. They failed to make any honest attempts to notify me of any actions they were taking even though they have had all my contact information. They never contacted me about anything. In addition to their rudeness they sound uninformed of anything you ask to them pertaining to my own account. This company are a bunch of legalized thieves.

I have no idea how I get into this non-sense business. I purchase a car for $3000, I put $1500 as a down payment. They ask for more and more until it reached the sum of $2750, with 21% interest. I still don't know in what point this people get me in my own stupidity. This guys loan me only $250 with 1000% interest. Is there any help for me being so, so, but so stupid? And on top of that the car only works for 3 months, transmission blows up. I will not be offended if you laugh your ass out, but I'm really concerned about how many people in their desperation can fall into this.

My original auto loan was through Condor Capitol and the fed government shut them down and my loan was handed over to Westlake Finanical. I have been paying my car note to Westlake almost 6 months. They are not reporting anything on my credit report. My entire auto loan is nowhere on my credit report. So according to my report I don't have any auto loan. I called Westlake and they lied...said they report it every month. When I told them I ran my credit... it was no where on there... the reply was "will start soon." (What does that mean??)

My husband and I just recently got an auto loan with Westlake Financial, Jan 9, 2015 to be exact. They called us non-stop to do a phone interview. We did a phone interview, but then they wanted us to do a phone interview everyday. We changed our number immediately (which looked bad on us) but phone interviews everyday by someone you can't understand gets really agitating. My husband and I have never financed a car before. We don't have the best of credit either so we knew that we would have to start with a high interest rate.

I have a car loan through their company. I paid 4 payments and they have only 3 posted to my account. I emailed copies of bank information. They are still harassing me and have charged me late fees.

Last year I bought a car through Car Dealer and was approved to be financed through Westlake Financial. I regret it very much. I recently lost my job and have been in debt since. I was never late on my payments before but after losing my job I got behind. I spoke to them all the time trying to resolve the solution or come up with a payment plan. I wouldn't dodge their calls or letters or wouldn't have dodged their emails if they would have sent some. I got 2 months past due and that's when I seen how shady and crooked they were. They constantly called me, gave me false information about my acct and threatened to take the car, which I explained I have no income and can't make my payments and understood they would repo my car. I never hid or kept the car anywhere else except home on the street. Which they had a repo company call my sister and harass her to have her call me.

Westlake has called me more than 30 times in the past week. They've been rude, hang up on me, lied to me, called ME a liar, refused to quit calling, refused to give me any information regarding why they are calling me. The best part is, I'VE NEVER DONE BUSINESS WITH THEM IN ANY CAPACITY. That's right. I've never gotten any kind of loan with this company. But they are harassing me as if I owe them thousands on a defaulting loan. I'd avoid doing business with a company like this.

So I just got off the phone with a rep by the name Andres, who had the decency to tell me that my paying history was very bad when I haven't missed a payment for over a year. I ask to pay a day late. He told he can't because my payment history is already scrub up. What kind of customer service is this?

Although I have stayed in GREAT standing with Westlake, they were difficult to deal with and they have OUTRAGEOUS rates and fees! For someone trying to build credit from scratch, (no previous credit or bad credit) I would beg you to get a prepaid credit card or a department store credit card first! Do not take this route as you will get hit in wallet repeatedly with WESTLAKE! $5-$6 A DAY in interest?!?!?! That’s like, almost $200 a month, and over $2,000 a year...for NOTHING! It doesn't even go towards your balance! The term "Loan Shark" is appropriate! So glad we are almost done! KEEP AWAY!

This company has to be the biggest group of crooks. They will call you 20xs a day harassing you, cell phone, work phone, whatever. They repoed my car after only being 30 days late and had called and explained I would be making my payment but before I could make the payment here they come. Got the car back and have been making my payments but now someone hits the car and it’s totaled. My insurance company calls, gets the payoff and pays my car off which was only 1300.00 but I guess they mailed the payment so now they keep calling me. Like I told them it should be in your notes that this car is totaled and Geico is paying it off so stop calling me harassing me. Stay far away from these people.

I'm a US citizen born and raised here, not that that makes a big deal. I'm communicating for a foreign born permanent resident who is Hispanic. They are legal here. They have a job. His name is **. ** has a wife and newborn baby here with him. He works for a reputable company near Virginia. ** bought his first ever financed car from Auto City in Arlington, VA. Those guys sold him a 2011 Toyota Corolla with 41,162 miles on it for $16,443.88. Westlake Financial financed the purchase.

Bought a car from a buy here die here car lot. Went through a divorce, credits shot, second chance dealer. Oh ok cool I make good money can pay my note. This was over 2 months ago. Westlake called me for a phone interview approving the loan and not to make the payment until I get the packet info. Ok cool but never get their packet that they said I would. Call them back. She or he says they are sending me my packet in the mail twice now. Ok will I get it before first payment? Sure the lady with broken english said yes.. Ok cool. Well never got it? Go figure. Call them again. I was hung up on, sat on hold 10-20 minutes yada yada. Ok I'll wait for their packet to arrive in the mail.... nope never came go figure.

My loan was bought by Westlake Financial from another company. I received a letter from Westlake on November 21, 2014 stating my first payment was due December 21, 2014. I tried to call my old loan company because I still owed for November. They told me Westlake owned my loan so they could not take a payment. So I wait for my due date (according to their letter), go to make my payment and a very rude representative told me I owed for 2 months.

I called on a Friday afternoon to make a payment and was given a confirmation number. The next day, went to make a purchase on the same card to find out my balance was horribly negative. After calling my bank, it was explained to me that they received (took) the payment, but never took off the "hold" of funds, effectively double-charging me and bring my account into the negative. The bank said they would need a release form sent from Westlake to release the "held" funds, even though they were already paid, AND the bank could SEE the transaction.

I sent my payment out the day after Christmas, so it got there 1/2/15... I got a call that morning the day after new year on my home phone, then cell phone, then home phone, then cell phone over a payment that was not even 12 HOURS... (Hours) late. This company is using illegal collection methods. Never mind that my first 6 payment were on time. They were very very rude. Next day went to my local credit union and refinanced the car. DO NOT USE THIS COMPANY....TRY YOUR LOCAL CREDIT UNION FIRST... JUST AWFUL..

I'm almost done with my loan (thank god). I have 2 payments left, when I called they told me the account had expired and I needed to pay the whole amount or risk further action.

I was sold a vehicle that needed work, that was not seen at the time of purchase. I contacted Westlake to try and come to some sort of Aries off when it cost me 1200 dollars in my first month of owning a truck. They extended me past my warranty, and then denied any kind of coverage. They also will not help work with the payments, or refinance, or gave me any options other than for them to pick up my truck. They are unreasonable, unprofessional, and absolutely do not care about the people that they finance. So now I owe 3500 dollars on a truck that is worth about 500, if that.

I have made all my payments on time, never late. I'm a driller on an oil rig and as the cost of oil dropped so did my work. I called them to let them know my situation and they said they would do a deferment payment if I would pay 55.00. I said I would go put the money in my account and call right back with my debit card info. I went to the bank, came back, called them within two hours and they told me there was nothing they could do. As I got upset and continued to tell them what their rep had told me they said that that offer was a first come first serve. As was getting quite heated I asked to talk to a manager where she began telling me I'm a liar that their rep never said that to me. I have never ever experienced such rude customer service. I have another vehicle I financed through security service federal bank - they have been fantastic to do business with. I would recommend stay away from Westlake financial as they are rude and dishonest and very unprofessional. They have also taken my payment on multiple occasions and not deducted it from my loan so make sure you watch your account with them.

I have made on time payments with my original finance company for over a year; however, 2 months ago Westlake assumed my loan. Right off the bat I receive a "Welcome Letter" from them telling me that I'm 6 payments past due when in fact my payment wasn't even due yet. Additionally my "Welcome Letter" stated that my payoff amount is thousands of dollars higher than it actually is. Did Westlake just make up numbers when they sent me that "Welcome Letter"? So I called them and they apologized over the phone and all is good.

ZERO STARS!! I got a car loan from this company (a little of $4000) and have been paying on it for almost 2 years. I lost my job and have had a few late payments, but regained employment a year ago. I set up auto pay a while back and have been paying EARLY for the past several months. I have only managed to knock $1000 off of the principal loan. WTF!! At this rate I'll be paying for another 6 years. This company has taken advantage of me, and from the reviews MANY other people as well. I have received many harassing phone calls in the past about late payments. They have threatened to repossess my vehicle, and have no understanding when it comes to their customers.

My boyfriend purchased a truck through a dealer; he was put with Westlake. I lost my job so it was only him paying for the bills. We got a little behind. He is only a month or two behind... we will make a payment and they will call 30 mins after he made the payment and want another payment. He will tell them that he just made a payment and he cannot do another one... He was on a job one day and got kicked off the job because they called him 15 times with in two hours!!!! 15 times how is that professional or allowed. We have logs of all the calls and plan on taking action!!! They want money but, they cause people to lose money!! I wish this company would get shut down for their unprofessionalism and due to their rudeness.. They have caused so much distress and emotional trauma to our lives... I didn't know that was suppose to come with the vehicle or the agreement of the loan!!!

They are the worst ever!! I am so upset I got a loan through them when I got my car. I am looking into re-financing my vehicle and it won't be with them! They are rude and won't work with you even if you have paid your bill faithfully! Do not do business with them!

Unfortunately when I purchased my vehicle 2 yrs ago, I got stuck with Westlake. My credit score was in 700s but due to vehicle being over 5 yrs old had to go with these crooks. Put more than 50% down on vehicle, and then was forced to pay GAP insurance. Never been late, pay more than minimum payment. On Dec 12th I mailed a check in full for payoff. Now my payment is not due till 21st, started GETTING CALL ON 19TH BEING LATE. IT DON'T MATTER TO WHO YOU TALK TO, THEY do NOT PUT ANY NOTES IN COMPUTER, ARE NASTY, RUDE, AND ABUSIVE. Was told loan not paid till they get check. Oh so stop payment and mail another one, sure check probably sitting on someone's desk, holidays, you know.

I've been with Westlake for about three months. I've had no problems with them whatsoever. I was even late on my car payment once, they never called or bothered me when I called them and told them I was going to be late. They were very understanding. I see this company has a lot of bad reviews but I think it's from people who's not paying your car payment. In my opinion I think Westlake is a good Company and I would recommend them to a friend.

My complaint is similar to a previous one. Westlake assumed my account from another company. I received a letter 11/20/14 stating that my first payment was due 12/24/24. Two weeks later I get a certified letter stating that my account is in default and payment was due 12/15/14. Right away I knew what kind of company I was dealing with. I had been making all on time payments for a year and improved my credit score. Now along comes the spider. Customer rep appeared clueless and not helpful at all. Hopefully my credit now can get me out of this choke hold.

Horrible service. They are all rude and have no idea what they're doing. From supervisors to managers. I would never EVER refer anyone to that so called bank!

Problem #1, I'm financing a 2012 Caravan from Westlake for about $19,000. My payments were $650 a month. I recently found out the Van is worth $12,000-$13,000. I've never been late. Had the car since April 2014. My Payoff is $21,000. How can I be making payments on time and owe $2,000 more than what I borrowed. Well it starts with WESTLAKE BEING A BUNCH OF CROOKS! I had full coverage auto insurance and I was paying $165 a month. Westlake offered me their special offer of comp and collision (only) insurance w/ rental and towing and a few other perks for 6 months for $60 a month and they would add it to my note. There was no obligation and I had the option to renew at the end of the term or cancel at anytime as long as I showed proof of coverage.

Today 12/1/14 these ** towed my car (which I had just paid off entirely today). Not only did I get overcharged but I also got ** over. I called the cops and they told me the best way to deal with thieves like Westlake was to file a claim and try to regain some of the money these ** tried to scam me for. Email me. This is a serious inquiry!! I’m investing money out of my own pocket to take these ** down.

Two years ago, I purchase a vehicle that has finance through Westlake Financial. Two years later, I have late on a payment for 45 days. I call them and try to get an extension. It has denied. I am so pissed at these people because I have been making my payments on time for almost 2 1/2 years. So I took my truck to a scrap yard and sold it for $540 bucks. PLEASE PEOPLE DON'T give this ** your vehicle back. There is nothing they can do about it. IT'S YOUR VEHICLE, IT'S ON YOUR NAME. KEEP IT OR TRASH IT.

So today, 11/21/14, I received two things in my mail regarding my car loan. The first thing was a letter from my lien holder stating my loan had been sold to Westlake Financial. The second, far more disturbing thing, was a "billing statement" from Westlake saying I had a past due balance of about $8K. I never missed a payment with my previous lien holder and the last payment they auto-deducted from my account was 11/02/14. The Westlake letter states my next payment is due 12/02/14 and that my account is current but on the next line says my loan is past due by 13 months??? I called them and they told me it's a system glitch and I should disregard that letter because my account is current (duh, I know it's current, it's my account). I set up auto payments with Westlake to begin on my next payment date, 12/02/14. Now I'll be checking my credit report to make sure these morons didn't report my erroneous overdue balance of $8K. Nice way to welcome a brand new customer.

Got a vehicle using Westlake as the loaning company. They changed the loan amount after I had already signed an agreement. So we had to go back to the dealership and sign a new loan with a totally different amount and them needing MORE money down on a deposit. I don't even know if that is legal. Anyway, the car was only about 12k and we paid more like 21k for it. We brought in a truck we owned as part of a down payment including a few more grand as the down payment. They are brutally rude. They threaten are their business ethics are just horrible. WILL NEVER go with them ever again and told everyone I know to not use them. This is a nightmare company to get a car loan from.

Purchased a 2003 Ford Expedition and was financed through Westlake. I received a letter that my loan was denied, although I had already signed papers and was in possession of the vehicle. This was the only communication I received, other than a couple calls asking about my experience. My August 2014 payment was due on the 28th, but I could not make it by then. On September 18th, my vehicle was repossessed. On September 26th I got a notice that I needed to make my payment or my vehicle would be subject to repossession (It had already been repossessed 8 days prior). On Monday, September 29th I received a notice that my vehicle would be sent to auction at some time after 8 AM that morning. I called Westlake and was told that if I could make my payment that day my vehicle would be held from going to auction. I borrowed money and sent a MoneyGram, then called Westlake. The representative told me OK, then just hung up on me. On Wednesday, October 1st I got curious and so called the place that repossessed my vehicle. I was informed that my vehicle had been sent to auction on Saturday, September 27th.

Do not do business with these people, they do not report to equifax, the most important bureau.

I've been late for 2 weeks and they already started calling me, my job, my wife, and her job 4 times a day each if not more. I requested the date to be moved to make it easier for the payment arrangement and they didn't tell me that it got denied but when I was on the phone they said it was fine. The place is very rude, disrespectful and arrogant. They call so much but when you answer they ask for you they hang up. They never put any info into their computer system for the person to read. I hate this place and hope every person with a loan defaults on purpose so they can't keep up with phone calls. They should be ashamed of themselves. Someone in California please go cut their main phone line from outside the building.

I wish I known what I know about Westlake Financial because I am now a victim of harassment like thousands of others that has done business with this company. They have no remorse for the everyday Joe when they already know most of their customers that do business with them don't have perfect credit. Most people they give these loans to are already victims to their loan terms from day one and they know it. They don't make it so you can be able to make monthly payments that you're comfortable with, instead they design your payment where it's to their advantage- knowing somewhere along the line you're going to get caught into their web and get so deep into a hole where you cant make your payment and repossess your car.

Warning!! Do not go through this company. They scam you by giving you the highest APR then they will not report your loan to any credit bureaus. You will pay off your loan in hopes to build your credit. Only to find out you are still in the hole as before. It is a waste of time! I've called multiple times and it's a different answer from every agent. They are also immature and childish and laugh in the background as if this is a funny situation. I thought I was the only one that had this issue. It turns out it's everyone! Look on BBB and check the reports! It should be the law to report paid loans! Especially when they will report it IF you don't pay your loan off!

I purchased a vehicle from Westlake Financial back in 2011. It was an 2006 Pt Cruiser payments were 298.00 per month. I have never been late on any of payments. They were able to deduct payment from my checking account each month. I decided last month that I needed to get a new car due to transmission problems. I went to DodgeRam Chrylers and traded my PT cruiser in. The date was September 27th. I called Westlake and informed them that I had traded the vehicle in and that they would received payment before October 31st. Well my next payment was due on October 8th.

If you are considering using Westlake Financial to finance your vehicle, PLEASE reconsider!! Not only are their agents abusive and incompetent, but their predatory practices will result in you paying nearly twice the amount of your original loan! Personal experience: I recently paid off my vehicle, and was told that I would receive my title in "10-15 days." I have not. When I called to follow-up, I was told that an additional balance of nearly $600 was unpaid. I am continuing with my efforts to report them to all relevant authorities! PLEASE find an alternative... Do not use this company!!!! I never do online reviews, but if this will save someone else the headache, then it's worth it!!! Please do not use this company, and please report them if you have used them already.

A class action suit need to be taken against Westlake Financial. My payment is supposed to be 261.98 a month. I've been sending them $275.00. I checked my monthly statement and they been charging over 100.00 a month interest. The statement I receive from them for the past few months says 0.00 is due but my balance is over $4,000. If you are one day late, they are ringing the phone off the hook. I compared my monthly bill even though I send them 275 a month with zero money due they still take about 100.00 in interest. If a Class action suit is in process, I'm in. The only reason they got a star is because I couldn't move on until they got one.

On October 1st at 12 am a repo truck came and repossessed our car. We were late month and half. We were never missing a payment till this April when I came disabled. At that time payments did get behind but were made still. I contacted Westlake and let them know the situation but they still continued to call. Due to financial difficulty they took as far as I'm concerned criminal activities and now they claim that October 20 they are gonna sell car at private sale.

I have been paying off a loan with Westlake Financial for almost 3 years. I lost my job the second year I had my vehicle. I have always made every payment on time on the day it is due. Until I became unemployed, but I still managed to make my payments. They just been a week late. They call so many times like crazy - the house phone, cellphones and private from different numbers; it's ridiculous. They must not be a big business for them to be calling people all day trying to collect their payments. Now that I have been with them I will never deal with this company again. Very bad experience - annoying ** people.

I filed a complaint against the company Westlake Financial Services, the loan sharks. I know I don't have good credit, and I don't need to be taken advantage of by loansharks. I borrowed a loan from Westlake Financial Services (back in Dec. 2011 for a family emergency) toward my car a total of $3,000.00 and have paid a total of $11,000 on a small loan. 4 months after later I called them to inform them that I was going to be 1 day late, my car was gone the next morning when I was going down to get into my car. After I had called the guy to tell him I was going to be one day late (after he agreed), I had to end up paying $790 to get my car out. I had to borrow the money from a friend. They are putting me through a lot of stress. I need for lots of us to get together and bring this company down. That is not the way you do business. Why are they even allowing them to do business? They are so RUDE and have bad, bad customer service.

This company is the worse company I having dealing with. You cannot trust them because they do not have integrity. One day they will create one excuse to take your car and the next day another and they abuse of people that have fallen their economic status. They just don't care and make you feel like you are miserable, and offend you with not respect like you have to robbed a bank in order to pay them, not matter what. Their rate is 29.19 % more than any other bank rate making your car cost 10 more time than what the vehicle worth. I paid for a car that worth $3,000. I end up paying about $11,000 because of their interest. Please don't do the same mistake I made with this company. They will mess up your credit report and all of their customer service are the worse staffs, they don't have a heart and make you feel like delinquent and loser....just when you are maybe one payment behind.

We didn't have a choice in dealing with them as the company we absolutely LOVED, Capital Finance, apparently sold us to these people after making our payments on time every month for over a year to wonderfully friendly and helpful customer service reps. Suddenly, we get a call from this company telling us we would be paying THEM from now on. So, we called Capital Finance and we're told that the deal wasn't closed as of yet and to keep paying OUR COMPANY, Capital Finance, until we receive paperwork in the mail. Well, we made our next payment on 9/11/14 to Capital Finance. Then, we receive a phone call from Westlake telling us we are delinquent. So, we call Capital Finance and they reassure us they'll take care of it, but that we have no choice but to deal with this SHADY COMPANY. So we try to make the payment as we finally received a bill (but no paperwork granting this company anything to sign) and we find out there is no free way to make a payment to them unless you get a bank account with them directly so they can further screw you over. We are NOT HAPPY! AND WE WILL BE REPORTING THIS COMPANY TO EVERYBODY OUT THERE! We'll also be trading in our car for a new one with a new company asap!

After reading reviews on Consumer Affairs, I realize my gut instincts about Westlake Financial are justifiable. The business experience I've had with Westlake has been unprofessional, misleading, rude and inconsiderate. I believe this company is shady and lies to their consumers. I have communicated well with them regarding my financial situation and they seemed to be understanding. However, that was all a charade when it came down to WORKING with me as a customer. They made me feel like I was a bad customer who was avoiding my loan agreement. I have been hung up on and verbally insulted by them. They claimed to have never received my partial payment; therefore demanding a payment in full or else car would be repossessed.

In addition to the same complaints all their other consumer have with them, such as difficulty getting people to talk to you on the phone about anything that has to do with your account; NO customer service, and a total disregard for common courtesy and humanity all together, I paid my car off with Westlake Financial IN FULL. Did NOT owe them one further penny.

Do not, I repeat do not use Westlake Financial to finance a car!!! They are the worst I've ever dealt with in all the finance companies out here! I paid 16 months on time every month & my transmission went out cost me $3000 to fix & they wouldn't give me an extension on my loan. They didn't care they sold me a lemon!! I will never ever do business with them again! I hate them.

I helped my daughter and Son-in-law purchase a car from a local car dealer which is no longer in business. Our account was sold to Westlake. We continued to have trouble with the car with even an extended warranty on it. So, we stopped making payments. Westlake has continued to call us at least once or twice a day daily, and we may answer them. Each and every time we ask for a payment book, contract or what the remaining balance is on the car, they hang up on us. I am in the process of seeking legal counsel regarding this matter. Does anyone know of any other way I can get this matter resolved without retaining a lawyer with moneys I really don't have? I don't know how they sleep at night. This company is one of the nastiest companies I ever dealt with in my life.

My girlfriend and I purchased an automobile from a dealer that was forced to close. Our account was sold at least twice, so Westlake was the final destination. We continued to have trouble with the car with even an extended warranty on it. So, we stopped making payments. Westlake has continued to call us at least once or twice a day daily, and we may answer them, and tell them we wont be making anymore payments, so please come get the automobile! They have refused to take the time to listen to us, and refuse to have the automobile picked up. Any other place would repo the automobile, sell it, and attached remaining balance from the sale to the customer! It’s been over three months and our car is still parked in our yard!! What’s the issue and what’s the problem about coming to repo the car??

This company starts call on the second of the month, late payments occur after the 14th. They have called me at 6am on Sunday morning and they don't stop the call from 4 different phone numbers and on Sunday, they start at 8:04 am. I have told them I am going to file complaints with Federal Trade Commission's still call.

I've not had any consequences done. I've just had the worst people to deal with when dealing with your company. I've had several car notes and I never had a repo. This is my first time dealing with Westlake and it will be my last. Due to unforeseen circumstances, I've lost some income. So I've been a little late but I've always paid my car note. I owe less than $1,600 on my note. Any time I had to call for being late, I've got nasty respond. They are always give threats of taking my vehicle just off of low payments. I mean I won't even be a month late and they are ready to take my car. I've paid off a big chunk of my car note so why would I let $1,600 go after paying $7,000? They don't even try to work with you... They are always saying, "Well see if you can borrow the money somehow. Or sell something." I mean my god it's crazy. I've never had no other car financial company ever talk like that. Also the harassment is relentless. They act like loans sharks.

I do not know why these people are calling me 10-20 times a day from 8 am until well after 9 pm. I do not have a loan with Westlake. Never had a loan with them and if they keep calling me, they will get cussed out. What gives them the right to call my house after 9 pm especially when I don't owe them? I'm disabled and this is stressful.

I was behind one payment and they repossessed my car. A tow truck came at 2 am. Spoke to someone I could barely understand. She said that in order to get my car back I needed to pay $750 (my car payments were $250 a month). I also had to fax my driver's license, proof of income, proof of residence and 3 New references. They still continue to call me at least 10 times a day, always from different numbers. They leave a generic automated message every time. Those people are almost impossible to understand. When you ask them to repeat something, they get very angry. They're rude and inconsiderate. Being a little over a month behind does not warrant a repossession. I was planning on paying what was owed when I got paid next Friday. But it's too late now. I'm posses!

I am behind one payment. My check bounce. I had problems with my bank and close one account, open another one. I called to make my payment with a check because I have not received my ATM. Because my check bounce last month, I can't use a check which I understand but they threaten to repo my car because it's 33 days late, I'm told, and they put that fear in me. I dont know what to do and I work till 8 today. They want me to pay Western Union but bank closes at 5. So how am I going to get the cash? The supervisor is a horrible person. Her name is Veronica. My God she put so much fear into me.

This agency took the loan on a vehicle that I was helping my son with and then he could not make the payments, they repossessed the vehicle and then put it on the auction block and when they didn't get all the money they wanted, they came after me.

I purchased a car from a local dealership on May 23, 2013, two weeks after Honda repossessed my car. I had a great business relationship with Autopass and Hamilton Finance, both located in Indianapolis. In October of that same year, my loan was sold to Westlake Financial. I have been timely with my payments until I lost my job on June 3, 2014. On June 6, 2014, I made a payment because I was two weeks behind and Westlake changed my due date without me requesting it. On July 8, Westlake started making several calls a day because my July payment was now late. They started harassing people the day after the due date.

OK, so we owe only 4 more payments on our truck and my sister got extremely ill "life threatening" so we were unable to make 2 truck payments because she had no medical insurance so we had to pay out of pocket. I called, explained my situation and got no assistance, cdr were rude and mngr's even worse. I even got insulted about my sister being sick!!! I was in awe being that I nearly lost my sister 2 weeks before. Well only being technically 30 days past due and truck payment came up next day so to them I'm already 60 days past due?? They repoed my truck before the the 60 days and now my $1100 payoff pushed up to $3200 talking about repo fees, late fees, processing fees, collection fees, title fees, payment fees and interest fees??? like **??? SERIOUSLY, even if you're desperate in getting a loan, do not let WESTLAKE FINANCIAL BE YOUR ONLY OPTION AND IF IT IS, IT IS NOT WORTH IT!!!

I have an auto loan with Westlake financial and the experience is not one of the best. They collected money that they was not suppose to. Also they change my due date to pay whenever they want to. Some of the loan officers are very wild and abusive to the customers, so I hope that the united state consumer bureau should get involve in this. Thank you.

Westlake Financial is that bank that approved my car loan. This is my first big & important loan but two months into the loan, I discovered that they are charging me 23.94% interest on a six year loan. I called them trying to get the interest rate lowered because my payments have unfortunately become too expensive for me and they refused.

We got financing through Westlake for our Tahoe. We did get behind one month due to me having a heart attack last October. They changed our payment date for us over the phone, and were very helpful. We are only 3 payments from paying our Tahoe off, and are already talking to them about our next vehicle purchase.

My husband and I financed a car through Westlake Financial in Feb. 2014. The loan term was 17 months. I was told that it's very important to make at least the first payment on time. After we bought this car, I lost my job and ended up being 7 days late on the first payment. They contacted the dealership that I purchased the car through and had them sign a deferment for 3 months, saying that if we were late again, the car would be repoed. We NEVER signed this paper or even knew it was in existence until yesterday...

This company doesn't even deserve a star at all. I deferred a couple payments by their suggestion and now at the end of my loan, I owe over $1000 in interest only. They are rude, won't work with you, put you on hold for an extremely long time in hopes that you will just hang up. Honestly, they should be closed down for excessive interest rates. In my opinion, they are just "Glorified Loan Sharks"

This company has no integrity And they abuse of people that have have fallen in their economic status because of today's economy. The vehicle that they finance in order to make a ton of money are worthless to the buyers. They harass you to point of telling you not to pay your rent in order to pay them. They call you at work to the point that it can cause you your job. They threaten you. They yell at you and make you feel like you have no worth. Their tactics are of mafia. Their finance rate is probably 10 times what the vehicle is worth. I paid 8,000.00 for a car that's worth 500.00 now. Three years later.

I would never take a loan with Westlake Financial even if your dealer has it with someone else. I would run as fast as I could as soon as you find out that Westlake Financial bought your loan. I would try to finance it with somebody else or trade it in and get away from Westlake. Westlake's representative and management do nothing but stall to make more money. If you are trying to get the best deal with financing a vehicle they are not the ones. They are a bunch of (**). DO NOT DO BUSINESS WITH THEM.

We recently purchased a 2004 vehicle, too old for a bank auto loan and too much money for a personal loan. So the dealer, who has been our mechanic for 3 years, sold our loan to Westlake. It took SIX HOURS at the dealer to complete all the paperwork on a loan with credit card interest rates. Now it gets good. For three weeks we've had phone calls and returned paperwork because of things not being properly filled out? We just want to be left alone. It's a nice car and you can be sure we'll be paying on the principal as much as we can to ease the pain of the interest.

I co-signed for a loan through Westlake Financial for my son in June of 2012. My son has since then moved from Texas to another state. The last payment made on the vehicle was 17th January. My issue is not about my responsibility as a co-signer as I have always told Westlake that I will pay the loan regardless of the outcome. My issue is the fact that they are threatening to get me the co-signer for concealment of the vehicle even though I've told them where it was located many, many times (each time they have called) as well as my Son's phone number and his place of employment.

I had got a car from Westlake. I owe them $329.00. I had got pull over and got my car towed. I Call Westlake to see if they can send me the register paper to get the car out. They claim they can help With that but end up pick it and charge me $1000.00 to get it back from them. Now I had take off school. They wouldn't work with me and they claim I have to pay them to get my title which in the State MO, YOU NEED HAVE THE TITLE WITHIN 30 DAYS.

Last spring (2013) I purchased a 2004 Saturn Vue from a Bacons Bridge Auto on Bacons Bridge Road in Summerville, SC. Less than 3 months later the business was simply gone. I had trouble with the car Oct 2013. While driving the car stopped and I was stranded on Interstate I 95 headed toward relatives in Florence, SC. I had AAA and got a tow into Florence, SC. The AAA noticed the frame was cracked. I was not in a collision, the car just cut off. I had DunRte Automotive in Florence, SC to take a look at it. They quoted me $950 because the it was the timing belt. That was only half of it, because it has an interference engine, the heads could be bent, and that would add an extra $1000 or more, plus labor because that was a 10 hr or more job. I knew it was out of my financial control.

Everyone who tried to connect me to speak with a person disconnected me. If you are lucky to get through be prepared to be on hold for at least 30 minutes. If I asked to speak with their supervisor I only got voice mail. Had a man lie to me about his supervisor. This man put me on hold so he could talk to his supervisor. When I asked to speak to him got supervisors voice mail... ????? How can he speak with him but I get voice mail??? No one there has a clue what is going on. Not enough space here to tell all bad experiences... completely unprofessional and extremely rude. Customer service? There isn't any.

I finally paid this company off... never late on my payment except once and it was their fault, I had direct payment. They took the money out and then sent it back. I caught this mistake and rectified it. When I took out a loan with them it was because I changed professions, went into the drilling rigs. After years of being a carpenter at that time carpentry just wasn't paying much due to a bad economy to wit my credit rating took a hit. Upon starting work in the oil fields, I really wasn't making that much.

I've got a loan from Westlake Financial back in August of 2010... Now in the beginning, all was going well as I paid my monthly payments on time (except they would call about 5 days before it was due, I thought "Hmmm, they give reminder calls? That's awesome"). In May of 2012, I fell behind on my payment (Maybe almost 2 months behind)... I know. I know, bad girl. Anyhow, sometime toward the end of June, my car was repossessed. For about 13 days, I was without my vehicle but was able to get it back by paying the 2 months I was behind, a $500 repo fee and storage charges at $40 a day. Of course after I got my car back, they started to call me when I didn't need to be called, payments weren't even due. At this point this becomes harassment and they were so freaking rude at that. It's like everyone who works with Westlake Financial had to go through a class to learn how to be an **!

Well I filed bankrupt.. but I was still making payments towards my car.. Ended up losing my job so I fell behind, even though I was one payment behind, they repoed my car.

Just like everyone else is stating, early phone calls, calls from ten different #s most of which I have blocked in my cell and home phones. They told me they were gonna repo my car over thirty dollars. Mind you I said nothing about being late. Payment due on the 14th always paid before the 19th. When they call me talking crazy, I curse them out, talk about their mothers, etc. So if there is gonna be a class action count me in. Let's go after these mf's.

On December 20, 2013 my car was repo by Westlake Financial Services. I was only 48 days late on my payment. I called to see what I would have to do to get my car back and was told I had to pay $976.00 and fax copies of my driver’s license, 3 new references, insurance, proof of income and proof of residence. I did all of this on the same day. I was told that my car would be released 24 to 48 hours after receiving the money and fax. I called the lot where my car was on December 23 and was told my car was not released so I called Westlake and was told I had to refax my driver’s license and one more reference. Apparently they could not make out my picture on the ID and I used a reference that I had used when I purchased the car. So this being the day before Christmas Eve I rushed to resend this.

They cancelled my son's car loan because they claim they didn't receive his first payment. My son called his bank to make sure that the payment was sent and in fact was received on the 30th of Dec. 2013 by Westlake Financial. Now my son's vehicle is out for repo and not only did a trade in but a decent down payment. They finally fessed up and said they did receive a pymt but it's now too late. So my son is out about 1800$ and has no vehicle. There is nothing we can do. Apparently, he will get back the payment of $301 that he did send. What a sad sad way to conduct business. As a co-borrower on the account not only my son but I talked them several times before the actual due date. WESTLAKE FINANCIAL is a ** JOKE.

I missed a payment with them and they charged me a small late fee which I thought was ok. It's not even the first and my car was repossessed. They came and got my car last night and said they have had it for 2 days. This is not true because I just came from out of town late last night. I asked if they could wait on the 1st for the payment and the guy said ok. This was a lie. And the customer service is horrible. I was trying to find out why they said the car was taken 2 days ago when it wasn't and the guy kept talking over me and telling me this is not up for debate. Then he said I'm ending this call and hung up. I called back a few minutes later and asked to speak with a supervisor. They transferred me 4 times before I could speak with a supervisor.

The customer service is rude, unhelpful, condescending and does not do work with the customers. They start calling 5 days before the bill is due and tell you this is a courtesy. I advised them that I did not require this reminder and did not find it helpful. They told me that's just the way it is. This is harassment as far as I am concerned. I then met in an accident and the insurance company wrote the car off. I explained this to the harassers that called and they advised me that I will be contacted every day until it is paid. Today is December 28. The payoff was received December 20 from insurance company; however last night, I still received a automated phone call from Westlake. This is simply unacceptable. PLEASE STOP CALLING ME!!! The car is paid off and I require no future relationship with Westlake and I will be telling everyone that I know to be careful and NOT TO USE WESTLAKE FINANCIAL unless they want to be harassed!!!

Our truck was financed through Westlake. Unfortunately, we had automatic withdrawal from our checking account to make sure payments were on time. On November 20, 2013, the truck was traded in. The car dealership was handling the payoff with Westlake. Our payments were due the 3rd of the month, plenty of time for the account to be closed. WRONG. They said they never received the information from the dealership & drafted our account. The dealership has proof Westlake did receive the information & called Westlake to resolve this. Westlake said they would send the dealership the money who would send us a check.

This company needs to under investigation. This company calls my home on Sundays and Holidays after they close to state I'm late with my payment. Now I'm not months late with my payment nor weeks. They receive their payment a day or two after the due date. Then I receive harassing calls where to as I never talk to a representative. This company really needs to be investigate. I always send more than what is due and can't believe how they treat people. After reading the other reviews this company harasses a lot of consumers. I have another vehicle that I paid in full and so grateful that it wasn't financed through Westlake "The Crooks" Financial Services. This finance company I dealt with had grace days. This company WFS doesn't and that quite hard to believe. And if anyone starts a class action suit against this company please add my name to the petition. I wouldn't give this company a star because they don't deserve one.

We purchased a truck and were financed through West Lake. We finally paid our truck off in February and still haven't received our title. Besides the fact that they harassed us every month for three years, they had the nerve to change our payment due date the last year and charged us ungodly late fees for being one day late. Our payment was due by the 15th day of the month and we sent every payment by MoneyGram, and on our very last payment, they decided they wanted it paid by the 5th day of the month. I explained that there was no way that would be possible because my husband had been laid off and we paid our bills on specific days for a reason.

So when I first signed up with Westlake my payments were supposed to be $342 but after 2 months into my lease I signed up for Gap coverage an extra $30 for 6 months... My Gap coverage expired over 14 months ago but they are STILL charging me $30... I called to see why that was. The rep just said, "Oh you don't have Gap coverage but we still charge you for it because you signed up to pay $1000 in Gap coverage..." which the math does not add up. If I signed a contract for 6 months to pay $1000, I will not be paying $30, more like $167... Then she says, "Look at your contract and if you see anything different, feel free to call back in..." Ugh, so pissed. Cannot wait to finish with them... DON'T EVER DO BUSINESS WITH THESE PEOPLE!!

I should have known something bad would happen with this company. 3 days right after we bought it, the car dealership says we have to give the financial company a call or they have to take the car back. Call a "Courtesy Call" a year and half later, we got behind but only by a month. Husband lost his job and I fell 1 month behind. I called them up on 6/21. Our car payment is $340. I was giving him $350 for May which left us owing for June (which it was still June). He said if I didn't give them a payment before 30 days they were repoing it. So I called my mom up. She gave me $300 which left us owing, $340 (for July) plus $80 in late fees... Didn't even owe 2 months!!!! They sent a bill which we got yesterday saying we never paid them the $300. I've got my bank statements and proof they withdrew it. But I came home tonight and found out at 11:30pm my husband saw them pull away with it. They took the money and claimed we never sent it so they could take it back. Beware!

I own an auto dealership that signed up to do business with Westlake Financial about 5 years ago. When we had customers with very poor credit we would sometimes arrange financing through Westlake. Westlake charges dealerships very high fees in order to approve subprime loans (usually over $1000 per loan). There are lots of added fees as well for special circumstances that get added on.

We have had a loan from Westlake for 36 months that we paid 36 payments of almost 2 months. After making our final payment they repossessed the car. When I called to find out why I was given 3 different reasons - one was I missed 3 payments periodically throughout my loan. When I asked to speak to a supervisor I asked if he could tell me what months I was missing and he refused to tell me. Instead he asked me why and I told him so I could check my records for receipts and he said, "You honestly think you have receipts for the last 3 years." I then pointed out the fact, "If you take what you're saying I owe and divide by what my payments were it was two different totals." He said now I was comparing apples to oranges and it boils down to I'm not getting my car back unless I pay everything they say I owe in full. He told me he was looking at proof that I missed payments, was extremely rude and belittling and chuckled at my frustration several times.

Two days ago at 1 am, my 13-yr-old son and I were up and he told me, "Mom, someone is shining a light in the window and it's not the cops!" When I asked where at, he told the mud room! Now after you enter the back door, you're in my house because the mud room goes to the basement and there is no lock on my door to the mud room to the kitchen! As we were sitting on the couch, we muted the TV to hear someone turning the knob to open the kitchen door! Needless to say, all I could say was, "Whoever is about to come through that is about to face the ** person!"

I was in MVA on 4/27/13 and this caused some injury in my neck and back. Due to the type of work that I do, I was given a note by my primary care physician that I was not to work for 3 weeks unless it was light duty! I did what was required to heal so in the month of May, I returned to work and on the 9th day, I got re-injured at work on 5/27/13. I was told by the representative from Westlake that if I call on the 2nd of June day later after the car is due, I qualified for deferment and to pay $50. Being that I got re-injured and was back to disability, I didn't work after 5/27 and between physician and Worker's Comp, I've been on the waiting and losing side.

I financed my first car through Westlake Financial. I bought the car for $7,000 with $2,000 down. In the beginning, everything was smooth. As a college student, I hit some financial bumps in the road and was late with my payments. The first time I was ever late (1 month behind at this time), I got harassing phone calls at least 10 or more times a day and every time it was different person calling me and harassing me after I had previously made payment arrangements with the person I spoke to previous to that. I had one collector call and call me everything but my birth name and tell me that it's people like me that make it hard for other people. I simply hung up the phone and sat in shock over what just happened. Even after I made the payment, the phone calls didn't stop. I tried explaining I'm trying to balance school and work full-time. My job is giving me the runaround on hours. There was no help. Just more harassment and people calling constantly.

I've been paying off a truck loan through Westlake for a few years now. And now that I'm down to the last payment and a half, I get harassing phone calls 10 times or more a day. They don't work with their customers and could care less about them. It's their job to explain late fees or pushing a payment to the end of the contract. They've been taking my payments up until now but today, I'm told they're going to repo. This doesn't seem legal at all to me. I speak to someone practically every other day and have to explain my situation all over again. Countless account managers take over and demand full payment or else. Seriously??

I purchased a vehicle out of state and financed through Westlake 31 days ago. To this day, I am still waiting for them to send the title information to my DMV so I can get plates for my car. I have called numerous times to get a resolution. Now, each time I call and get sent to the title department, I go to someone's voicemail and do not hear anything back. They took their first payment out of my bank account yesterday for a car that I legally cannot drive because they will not send the title information over for me to get plates.

I was late on my car payment, not even a month and the repossessed my car. The only option I had to get it back was to pay off the entire loan. I've only had it two months.

We had a deal that we submitted to Westlake to finance our customer. We had so many problems with them. First, they mislead and misrepresented themselves and how they work. Then, they said that they would need the title for the vehicle written with them as the lien holder and only then they would get everything verified and they will send me the check. Two weeks later, the story changed and my customer was still not financed by them and no $ for the car was paid to me. They called my customer out of the blue and told my customer that she should be already driving the vehicle and I had to find out from her of what they said and still no $ for me. I almost lost my customer. This company is unreal! Horrible! The worst company I ever dealt with!

I was employed with Westlake Financial for 6 months. During my time there, I was never given the full answer in regards to customer and dealer issues, as well as collection processes. I finally found out how the system worked and when I asked my management for clarification on these questions, I was fired due to "lack of production". Truth - if the customer doesn't make first payment, the dealer will not get a warning, only a demand to buy back the loan. He may or may not be able to replace Westlake's lien dependent upon if he needs a banking license in their state.

I financed my first car through Westlake Financial in February 2010 and I am still making payments to date. From the very beginning, they have been rude, unprofessional, inconsiderate, just had no regards to anyone's personal life or financial troubles. In mid-2010, I lost my job and my car was repossessed (with me being behind 2 months on payments). I started another job and I wanted my car so I worked until I was able to get it back.

I financed my car for 18 months but paid it off in 12 months and I struggled to do that. The people would call and leave messages threatening to repossess my car. They even called my job one day pretending to be my husband calling with a family emergency. My car was paid off in 12 months instead of 18 months so I was supposed to receive a refund for 6 months of interest but they said I wasn't owed a refund because of some late payments. These people are sorry rude and should not be in business. If anyone wants to bring a class action against this company, count me in.

I financed a $5,000 car for a 2-year loan. One year into the loan, I was 30 days late for only $100. I had already made a promise to pay with customer service, but despite that, they were in the process of repossession. I got a call from repo services to pick up my car. Instead, I hid it. Westlake kept calling everyday about 10 times in one day. They constantly call you before your payment is due. Customer service is very rude and are not willing to help you. 2 months before my car was paid off, Westlake had the nerve to send me a check for $300 towards my next vehicle purchase. I hurried up to pay it off. It took Westlake 3 weeks to release the title to me with the wrong address on it. Now they are sending me letters for a title loan. Westlake can kiss my **! I will never use Westlake ever again.

Ever since my first payment, Westlake Financial would call me ten days prior to my due date calling all my friends and my job even after I changed jobs. I never gave them my new job information. The calls never stop up to ten calls at home so I told them, "You treat me like I'm late so until you change your customer service, I'm going to pay on time. Two can play this game." Westlake Financial left ugly voicemails telling me they knew where my friends live in case I wanted to hide the truck. But to top it off, I have replaced almost everything and it keeps breaking.

My wife and I have had a loan with Westlake Financial Services since taking possession of our car in August 2010. Something told me not to sign, but my wife really wanted the car and it was supposed to be a new beginning. We have not been late, never late, and not currently late. However, by the way we have been treated by their loan servicing department and the Executives, you would think that we were late and deadbeats. That is exactly how they have treated us. Our issues go with the continued stalking and abusive behavior of the reminder calls that took place for seven days prior to the payment due dates at a rate of 3 times per day and followed by the usual calls if the check didn't get there in time, post-marked before or on the due date. These early calls went on for well over a year and a half. After fighting with the people and management, they stopped. Then, it was the late payment calls. Again, their attorney, Jack ** (General Counsel and SVP of Administration), agrees that they should not have happened because they were never technically late. Yet, they continued to do it. We'll see what happens this next month.

First of all, I had lost my job recently. I had called to let Westlake Financial know I was late to pay. So I recently got a job. I called to let them know that I got a job and that I would be sending my checks to them till I get caught up and, instead, they talked to me as if I were an idiot who didn't know how much I owed! I do know how much I owe; it's my car. I was calling to let you know that I am at least trying to make payment. I asked if I could send $100 for it because that's all I have. The representative laughed and said, "Ma'am, do you know how late you are?" I said, "Yes, I'm 2 months late but I am trying." This isn't the first time I've experienced horrible customer service with this bank!

My car was advertised for only $10,000 and they (Westlake Financial) said they wouldn't finance it unless I bought the car for $13,000. I was pressured into using this company through the dealership where I bought my car. I put $3k down cash and have been making payments. A week after having the car, I took it to my mechanic to check out the thumping sound I would hear in the back of my car and the gargling sound coming from the engine. I come to find out my strut mounts were bad and had to be replaced along with a slew of other problems. I had to spend $2k in repairs and 3 months later, the car stopped running. I took it back to my mechanic and had to pay $300 to get the starter replaced.

I purchased a '99 Expedition and was financed by Westlake Financial out of CA. I made all my payments (have receipts), paid in full last year. I called them and asked (Chris **) on Jan. 28, 2011 on what would be my payoff. He said $1,252.00. So, I asked how I could pay this and he said send $600.00 one week and send $652.00 this next. So, I MoneyGram-ed him first payment, then I called and told him I was sending him the $652.00. He told me to send him just $600.00 and we would call it even. I said, "Are you going to send me my title if I send $600.00?" He said yes, so I did. I never got the title. This rocked on for a while, so I called and asked them about my title. They said they didn't have a Chris ** that worked for them. Now after a year, they are saying I owe them $800.00 more and trying to repossess my Expedition. I told them they were not because I have paid them. They haven't yet, but they are trying to repossess.

Used car 2005 Toyota Avalon Limited with 101,410 mileage, annual percentage rate at 23.99%, finance charge $5,726.92, amount financed $11,702.59, for a total payment of $17,429.51. We put a $4,000.00 down payment. Monthly payments began on May 8, 2010 and ending on Sept. 8, 2013. The payoff quote is the same as if the payments were paid throughout the life of the loan. Harassment, malicious misrepresentation, anticipatory breaches of contract, unorthodox methods of debt collection, fraudulent and tortuous conduct, etc. I paid less than $16k for the car out the door with $4,000 down, and $11,702.59 financed. I was told more than once that my interest was fully paid and would see it go down quickly because now I'm only paying on the principal. That was retracted.

I previously owned a car through Westlake Financial. When I was laid off in 2009, I asked for them to refinance my loan. They stated to me they don't do that and I would have to find an outside source. I dealt with them for 3 years and was almost finished paying them off when they repo my car. My balance was under $2000 and they were not willing to work anything out. They harassed my family and friends. I take care of my 88-year-old grandmother, who has high blood pressure, and each time they call, she became so upset and overwhelmed that I would have to calm her down because of how rude and disrespectful they were. Dealing with this company was so stressful. If you need anything, I'm here.

As an active duty soldier deployed to Afghanistan, Westlake Financial refused to reduce my 21.99% interest rate to 6%; and when they were put on notice that they were being reported to all government agencies for violation of SSCRA, they repossessed my car, closed my account and charged off the loan. I am starting a class action lawsuit. I have already contacted the State of California - Department of Justice about Westlake and all that is needed are other CA residents to sign on with me who have fallen victim to Westlake Financials' unscrupulous business practices. Contact me, provide contact info and brief explanation of what your unfortunate experience was with Westlake. Once we reach at least 10 people (I am certain I will have much more.) we can go get them!

I am 1 payment behind, and they called me constantly, saying they are going to pick up my car, even though I just made a payment. They are very rude and unprofessional people. This is not the first time I have heard of this bank being so rude. Something needs to be done about these people, like they should not be allowed to work in a place like this. They have a lot of fixing to do. Don't they want to be a professional bank.

My vehicle was stolen out of my driveway this morning. I filed a report with the police and filed a claim with the insurance company. I called Westlake at 7 AM CDT to take them to GPS track the vehicle and they notified me that the dept wasn't open and to call back. So we called back, when they opened and George notified us to fax the card we got from the police department, so we did this. We have been trying to call them for an hour since then and no one will answer the phone. We have called continuously from two different phones and it just rings and rings until a message tells us to call back later. We can't even get the automated line anymore. I think this company is scamming us. When we bought the car Westlake required us to have a GPS installed and I think they stole our vehicle. If I find this out, I plan to sue the ** out of them. I may sue them either way. Someone help please!

I have missed a monthly payment for my car, and this is not the first time, I have been late before, regardless, I still made payments to stay current. I wanted to know my rights as well as the laws of receiving a call from bank.

It has been several months since I purchased a car at Pedder Nissan Car Dealer in Hemet. It was picked up in front of my house six months ago by a towing truck paid by Nissan Car Dealer. I had an Expedition 1999 book for $2800, I used it as a down payment. The car that was purchased from this car dealer was approved by Westlake Financial Services.

So I've been a victim of my own stupidity. I defer in one payment and at the beginning of the loan, I was late quite a few times--10 out of 39 payments. I finally, in the last two years of the loan, actually caught up with the payments and life was good.

My wife contacted them after 9:00 this morning. Marcella was the contact person. Marcella told my wife if we turn in list of references, proof of employment, proof of residency and make payment before noon, there should be no reason we cannot get the car back today. I faxed this information at 10:47.

I make my payment each month (about $350). I always pay more, one or two hundred more. I ask that before it’s applied to the principal. They don’t; they apply it to next month's payment so they can get their interest without dropping the balance. I want it corrected from the start. I want the interest corrected from the first payment. This caused stress, a lot of it, each month.

I took over payments on a vehicle from a person who wasn't able to pay any longer. The loan stayed in his name. I paid the one back payment that was due. Then, I was told I needed to make two more payments because of bounced checks from the person on the loan. They say no checks came back to them and Westlake was lying to get money. Well, I paid $65 to defer the payments, then my next payment would be due on Aug 14. Last week, I got a call from a private number. The person was threatening me saying he was the repo man coming to pick up the truck. I told him I didn't think so and hung up on him.

My lender contacted me with an offer to renew my physical damage car insurance for another 6 months. I chose to renew because it helps me save on my car insurance. According to my contract, I have 28 scheduled payments with the lender in the amount of $424.64 which included physical damage insurance. After I renewed my insurance, my car payment increased from $424 to $461 per month. I contacted the lender and was told that although my insurance premium had actually decreased, my payments increased. I would like to know if this is illegal and if so, I am going to pursue this issue. $37 extra per month can go to food for my 3 children. This small increase in this economy has affected me.

I am 30 days behind on my car payment. My car was repossessed. I called them this morning (the next morning, it was repoed at night) and asked for the amount I needed to get it out. She stated that I had to pay $238.00 today or it would be sent to Arizona for an auction. I stated that I could pay the full amount due $641.00 on Friday (two days from the day of our conversation). She stated that it was going to be sent to Arizona and I had no recourse to get the car back.