Westlake Financial Reviews

I would suggest do not go with this Financial Service. They will create so many ways to get the money from you. Highly not recommended. Do not be stupid. Trust me. I wanted to cancel the loan application the day I signed. They were not even responding me after I asked that I do not want to take the loan. I applied for the auto finance they charged me 25%. I was stupid accepting the deal at the first place.

Westlake Financial was kind enough to finance a 2016 Chevy van for me in June of 2018. Due to my lack of a lengthy credit history (I'm a sub prime borrower), my interest rate is 18%, which I happily and gratefully agreed to. In order to have a continuing good relationship with Westlake, and to improve my credit score, I make certain that my payments are always, without exception, paid on time and in full. That's all that one has to do. Just pay the payment exactly as you agreed, on time, without exception, never late. I'm grateful that Westlake Financial was willing to finance my van. It's essential to my business. I can't earn without it. Thank you!

First, the loan's term were super expensive: a car worth 8K, I put down 2K and the loan amount to a car worth 8K was in total: $7,024. Why did I agree? Credit score bad (Mortgage issue with Chase but resolved and still listed on my credit). Fast forward: I lost 3 clients, and cannot pay 2 months of the loan and I spoke with their agents 2 /3 times a week. They agree to extend the payment dateline, but because I cannot meet their dateline they repossessed the car with no warning. Not once, when I signed the contract or spoke numerous time with their agent, anyone warn me about the Repo Threat. So the car is gone, in auction this Wednesday the 15th and now to get the car back I need to pay $789.

Have never had an issue with the company until recently. We are going through some financial hardship and deferred our payment with a customer service rep. He then confirmed that we have the payment deferred until the end of the next month. Fast forward two weeks our car is being repossessed. We call in and talk to another rep whom then tells us that it went through upper management and was then denied. We received no notifications emails, calls, nothing regarding this matter. In fact we were told everything was set and confirmed. So now we owe the past due (rightfully so) but also a repo fee on top of it. Feels like we're getting scammed there. The rep said it was not their responsibility to inform us of the change in status of the deferred payment after confirmation. Good thing we record all our phone calls when discussing financials.

This company will attempt to repossess your vehicle (even when your payments are just outside of the 30 day mark). Now that my payoff is under $2700, they advise me they don’t accept any type of credit card. It’s as if this loan company wants to squeeze every bogus overpriced cent they can out of their unsuspecting clients. The vehicle my loan is on has been blown up for over a year (my mistake for trying to rebuild my credit and being taken advantage of). They won’t settle, there are no breaks and they definitely don’t seem to want to help me in any way. I wouldn’t recommend Westlake to anyone. Buyer beware!

I paid off my car about two week ago and I wanted to know how long does it takes to report the transfer through the major credit reporting agencies? Because I do not see it on my credit and it still says that I owe to y'all.

I bought a 2012 Dodge Challenger srt8 with low miles and it's a great car. On 12/01/2018 my truck who was financed through Santander Financial which I thought were bad but my percentage was 16 percent and I was only paying back 3500 extra of it went the whole term of loan which my truck had 18000 in financing. Then on 12/01/2018 like I said a drunk driver rear ended my truck and totaled it. Which USAA his insurance company took almost 3 months to pay off loan and 2 weeks sat at junk yard so all my equity gone and I put down 7000. Plus all stuff was stolen out. So because took USAA 3 months to pay off loan my credit score dropped over 120 points plus the car lots ran it over 100 times and took it from 640 to a 449 my interest rate. I dealt with Northeastern auto exchange in Trenton New Jersey and they got me financed through Westlake for 20.9 percent interest on about 20000, 2000 more than my truck loan.

A few ago my truck was destroyed by a large tree that fell in my front by thunderstorm with wind speed up to 140 miles. And a month went by with no truck. Trying to take care of my family without a vehicle. I found a good used truck in Humble, TX for 6600 and I only had 4600 to make the down payment and I was 2000 short. The Ford dealership in Humble, TX setup up with financing with Westlake Financial and they want to charge me 18.9900 rate for 24 months.

This company just want money. A total rip off. 3 payments left and now they tell me I have a balloon payment out of nowhere. I been having problems with this company since they took over from Honor Finance. Harrassing phone calls before I even get out of the bed in the mornings. At least 20 phones calls a day. I just stop answering. I will never use this company for financing anything. Money hungry.

I purchased a vehicle through Honor Finance. Honor Finance went out of business and the loans were transferred to Westlake. Westlake DID NOT report the transfer through the major credit reporting agencies. My credit score is now 535 and shows I have not made any payments for 6 months. When you call their customer lie line they say it's all taken care of!

The morning that my bill is due I received multiple phone calls throughout that day. And I mean multiple as in I block so many numbers because they robocall me. It gets to the point where my phone dies because it receive so many phone calls. My due date was Easter and I had received 25 calls Easter Sunday about my bill being due when my payment date isn't till the Friday after.

Thieves and Usurers. Added a last minute $1000 "in house lending fee" to the loan, on top of what already was a very high interest rate. Moreover they will go to great lengths to try and make your down payment insignificant. This people are not here to help you, or give you a second chance. They are here to take advantage and exploit honest working people in need of a loan.

I originally purchased my 09 Audi from a company who had me financed through Westlake back in December 2018. March 19th 2019 my car took in water during a rainstorm and my insurance company (GEICO) deemed it a total loss. I had also paid for GAP coverage through Westlake at the time I purchased the car. Well Geico did everything on their end within 3 days. The company was paid off all but about $1000. I also filed a claim for the GAP insurance the day after the adjuster came and told me the car was a total loss.

I was approved for the very first time with Westlake Financial. I did not completely understand how the car buying process worked. Westlake Financial has one the highest interest rates causing more hardship than help. I have had to call them and wait on hold more than 40 mins to speak with supervisors regarding my account. While I had the hope that Westlake Financial would help build my credit on several occasions they have reported that my account has been closed, which is completely false and causes my credit score to decline. I would not recommend Westlake Financial to a friend or enemy. Hardworking people don't deserve to be ripped off and made to suffer for Westlake's insensitive, uncaring, unjustified false reporting. I am displeased and dissatisfied with the this Financial company.

I've had a car loan with WLF for a year and a half. I've never made a late payment and was told that I have a 4 day grace period by a Representative just like it says in my contract. They call BEFORE the due date and if you answer they hang up. At 9:01am your phone will ring on your due date. (Too bad it's not earlier. You could count on it like an alarm clock.) It will ring another 5 or 6 times that day and the following few, during your grace period, until you make your payment. BE READY FOR THIS.

Do not use this company. All they want is money. Customer Service is rude and harassed my friends and family for money. Some of them they even got the number without me ever giving it to them. I told them my situation that I could no longer afford the vehicle and had turned it in for voluntary repossession. This company is quick to send out a repo to you if you missed a payment by a couple days but do not want to repo it if you give the order.

I paid off my account on April 1st. Today is April 8th and I get 2 threatening letters, 1 addressed to my dead husband. I call them and they say, "Well it takes a couple weeks to be posted." It didn't take but 24 hours to come out of my bank. Thank God I am done with these people. By far the worst. We'll see how long before I receive the title. Maybe I'm not done.

I just bought a car with this company and they're calling me and calling me and it's not even my payment due. And they charge $5.00 to make a payment online by phone or from the app that's ridiculous. They just want your money. Customer service terrible they don't have no manner. And this company has bad reputation and bad reviews. I'm so scared because this is my first car buying. For new buyers please stay away from this company.

I bought a car from a dealership and the dealership put that it was a different model when I contacted my finance company. They're not wanting to help me and I'm getting stuck paying $30,000 for a car that was only 12,000 brand new. I'm disabled and I should be stuck paying for a car that I can't drive especially when it's not the correct model that the dealership promised me.

Thank you very much for the service. One of the best attendants with a lot of patience he helped me solve my situation. At all times he wanted to help me. I'm very happy with the service. Thank you very much, Luiz **.

My experience with Westlake Financial has been okay until it came time for us to get our title. Same review you'll see across all of the internet. We paid our car off in February. It is now April and we have not received our title. Also, they now want us to pay for a copy of our title to be sent to us! Ridiculous! I already paid them enough money! I paid them their money and now I expect my title. Can I sue them for this? I have proof it was never sent to us, they have the right address, and I have a service I paid for through the postal service that lets me see every piece of mail I get about 24hrs or so before I actually receive it. I have even called the post office to make sure it wasn't a mix-up. Nothing was ever sent to us. Plus they record our conversations, so it would be in there that at first she told me they sent it on March 9th, and then she said March 12th. I bet they never even sent it. And now they want me to pay for it and deal with it myself. No.

I'm so upset. I finished paying off my vehicle almost a year ago and still no title. I keep calling and every person I get on the line no customer service skills and are very rude like while they were getting your money for payments no damn issue. Now that I need my title they keep giving me the runaround. They are a scam, a bunch of liars and I'm doing everything in my power to put this out there even on the news. Till this day I'm still fighting to get my title. Next step lawsuit.

Called to ask where my car was. They didn’t want to tell me anything. Asked who the towing company was. Didn’t want to give me the number. This is ridiculous. I just want to know where my car is so I can get my things!!

I purchase a car through this people... Paid it in a year and a month and they have never reported this to the credit bureau. It never got reported or anything. Very upsetting because I went to get another car 3 years later and that was not shown on my credit at all.. it appeared that I didn’t have no credit score whatsoever. Also... they gave me a big headache trying to tell me that my paystubs looks fake?? They wanted bank statements and still end up giving me the car to a 18.36%??? Having on their record that I purchase and paid in FULL my previous loan with them. I had to get this deal because I had no other option. But planning to pay the new car for a year and refinance with someone else and get the actual car I like.

Called to make a payment this morning. Omar was excellent, very pleasant & answered all my questions. Omar answered all my questions & made sure everything was good with my account. There should be more people (reps.) like Omar.

From the start it was nothing but problems. After my divorce it got worse. I had to make a decision on rent or car payment a couple of times so I did a few extensions. I got charged late fees, interests and a few mysterious fees they have yet to explain and won't. I was getting harassing calls... I'm not talking one or two times a day. I'm talking one every hour by their machine and I asked if they would stop calling so much. They tell me it's their automated Robo system. There's nothing that they can do about it. Shortly after I mysteriously have a cease and desist for calling on my account which means anytime I had a question they would never return my call claiming that's on my account so they can't call me.

Nicola was EXCELLENT. Nicola, you were so awesome. I've had some very trying measures with the car, severely hardships. Health issues, extreme. I was so extremely glad to hear from Nicola. Thank you. Appreciate you.

MULTIPLE times throughout my initial payments I had tried to contact the company via email about how I could go about lowering my interest rate as well as how to make a principal payment. YOU CAN'T MAKE A PRINCIPAL PAYMENT TO SAVE YOUR GD LIFE!!! I just paid my car off completely. Sent the money overnight mail to this company. It took them 5 days to process it into my account so 5 days of interest accrued without them telling me I called so many times to make sure I would have the entire thing paid off and did everything they had told me and still I have to pay this interest for things that is taking your company time ro process??? Never did I once receive an email back ever and I've sent easily more than 10.

The interest rates are astronomical!! 11 percent per day. You end up paying double almost the price. For a 17000 dollar car I'm paying over 30000. This was not explained. I thought it was simply 11 percent interest which is still high. Is this legal. If so it shouldn't be. This is criminal and a hard working person shouldn't be subjected to this.

My experience with Westlake Financial was very bad. It was the ending of December. I finished paid my car off in full and I requested with Westlake Financial to give me my car title. They did send me my contract and my lien satisfaction documents. I never received my title in the mail in which they told me that I would and it's going on March 13th 2019. I still have not received my car title. I spoke to a multiple customer service representative with Westlake Financial and they failed to satisfy my needs and it's not fair after satisfying the needs of the company by paying my car in full and I cannot I mean I cannot and I have not received what I requested from Westlake Financial. Very very poor business. I was so upset and I was so and uneasy.

I had voluntarily requested to pick up my car. Since I had unexpected expenses came in I couldn’t afford to keep the car. I called Westlake financial and said I will continue to make minimum payment until I settle this account. Every time I call to make payment I get harassed by their representatives. Not only that. I get phone calls day and night even though I had made payment arrangements every month. They call me and demand me to pay off in full and telling me to borrow money from my friends and relatives. I’ve been so harassed by them. This should not be legal.

Clearly I'm towards the end of my loan and this is where this company gets repo happy to try and make a few more bucks auctioning your vehicle. All fees have been paid 48 hrs ago. Customer service, if you can even understand what they are saying are no help at all. "I don't know why it's taking so long" is not an acceptable answer after I've paid this company nearly 17k so far. I'm being charged by the day my car sits in an unknown lot somewhere. They have the money, Release it already!!! Why are customers not allowed to talk to the department in charge of lifting the repo? All I want is to talk to someone who can tell me what the hell is going on with the $1350 they've received 48 hrs ago.

I would like to say the customer service managers are the worst. I paid off my car Since November 2018 and have not gotten a title yet. I call February 2019 about the whereabouts to be told it was sent to a address that has been changed four years ago. They have been billing the correct address for years and then you send out a title to an old address. After going back and forth with a manager for the corporate number or someone with higher rank, he pretended to call the title company and in which I found out today he never call for the title per the title company says. This is how the managers treat a customer that paid over 15,000 and which customers are the reason and how they get paid.

I have been requesting an accurate payoff letter and history for over two weeks. Your representatives have had all conflicting information and even half of them said the payment history and balance doesn't look right. As you have not been able to provide the accurate information and proof of the money I still owe and why then I am not paying a single penny to you guys. You have the absolute worst customer service and on recorded lines they told me the balance is wrong. Until you get serious and provide what I ask for you are not getting anything from me. I also am not paying any interest starting the day I asked for the payoff letter. Whatever you are doing is extremely illegal and I will be getting a lawyer to open up every part of your company.

This company is the absolute worst to deal with. I am not surprised that there have been many lawsuits made against them. The interest is disgusting and ridiculous, and it's clear that all they care about is money and nothing more; (you CANNOT convince me otherwise). I called last week to surrender my financed car due to leaving my job in November; I have not been working since then because I have been taking care of my mother who had been suffering from cancer, but I had been receiving some help to pay for the monthly payments.

I am trying to pay off the loan and they do not want to charge my bank account to finalize and pay off the remain amount. They want to continue charging me interest forever. Very easy to get a loan from this company but all reviews tell you is very complicated to finish the contract in good terms. You get in troubles with this company for sure.

I purchased my vehicle four months ago and is not able to register it. Westlake refuse to fax the title to the DMW here in GA. I cannot drive my vehicle due to an expired tag. I cannot get any help from Westlake, the customer service is very rude and refuses to allow me to speak to someone in management.

This company is a fraud. I got one month behind in payments and they cut off my ability to pay through the app. I spent 3 days calling to make a payment with no one answering. When I got someone on the phone was when the repo guy was there to pick up my car. I was told that if I made a payment that day of 465.00 which was half of what I owed and repo charges I could get the car back. I did that. I got my car back the next day. Now 7 months later the car is paid off but I still have 702.00 of repo charges. I been calling for months trying to find out what the other charges are and still no one can give me a straight answer. If I paid 50% of the charge on that day how do I owe 702.00. Now they are trying to repo the car again even though all the finance charges have been paid off. This company is crap.

The customer's service lady she was very nice. Help me immensely. She talked to what my options were about my lemon of a car I have and is sending me information to help me get out from under my car that I am buying but it’s worth what I am paying for. I so glad I got her today.

I wish I would've thought to look at reviews so much earlier because now I know my suspicions were correct. This is my second auto loan and the second time I've paid off a car with this company. I never got the titles either time which means I have to pay $60 for a "duplicate" title when I never even received the first one. The first time I thought maybe it got lost in the mail but not only am I at different address from the first time it's impossible for it to be a coincidence. I don't know if whoever is supposed to send the title out is extremely lazy or they gain something financially by making me go to motor vehicles to pay for a duplicate but it's frustrating and an inconvenience. Seeing how many other people are disgusted with their practices shows how shady this company is.

These people are the worst company ever to get a car loan through! I have never missed a payment and since I made a part of my last payment they call me every day asking about the $200 dollars I didnt pay. No car loan company has ever did this to me. This is ridiculous and such harassment. I keep telling them they will get the money on the 8th because I have lost my debit card. Do you think they give a care?! No they dont!! Then had the nerve to tell me they dont do a grace period like other loan companies. SMH. NEVER EVER AGAIN!

I truly hate that Honor Finance went out of business. Majority of my car note payments are going toward the interest and not the principal. I have expressed that I plan to make extra payments and all extra payments should go towards the principal. The rep advise I cannot do that because of daily interest accrual and I will find the papers that I signed in the beginning. I asked to speak to a manager and I was put on hold and then hung up on. Westlake Financial is a rip off company. They want to keep you paying forever which I am planning on finishing up this year. Once I read my contract I signed with Honor Finance I will be contacting the BBB.

I am so mad that my other bank got bought out by this company. Westlake Financial is the worst. Your first day being late they will start calling you, and call you from several different numbers. It is so annoying that you won't answer any of them. I thought that you could be 3 months behind and then the calls will start. I did not sign up for this company. I was notified from them that they took over my account because they bought the original bank out. Very, very disappointed. I will never refer anyone to get a loan from this place. I was furloughed and couldn't make my payment, in order for me to put the payment at the end of the book I had to pay $50 up front. REALLY??? I just told them I was furloughed, no money coming in and on top of that I was not even behind.

I'm very upset with this company. When they bought out Honor Finance the customers were told our contracts would not change and stay as they are. My interest has been completely paid off and I should only be paying my principal now. I still have my book from Honor Finance that says what I owe each month, including my last month. My payments are 333. Now that I only owe one more payment for March they claim to pay off my vehicle I have to give them close to 600 dollars. My monthly payment is only 333. So for my last payment they are doubling it claiming that it's because of interest. Avoid this company. Some of us got thrown into it without a chance. They are crooked. Making up false amounts owed to steal your hard earned money.

Westlake Financial, comes across as a greedy careless feeling and practices toward its customers. In normal circumstances if an individual can’t pay their bills is usually due to financially hardship. My car was repossessed and to add insult to injury they told me that I would have to pay the repo fee and an auction fee when my vehicle never the repossession lot to go to auction. One rep said she would verify if it was still there and once she confirm the car was there they can waive auction fee. Her phone hung up and when I called back the next rep said if they wave the auction fee they will still charge me a $30-a-day storage fee. It’s sure sounds like greedy practices and contradictions in unfair fees

I had the most fantastic car buying experience ever. I was impressed in particular Jaziel ** went above and beyond assisting. Very knowledgeable, helpful and friendly. I’m a returning client at Westlake Financial. Westlake Financial thank you for making this possible again.

I get calls from Westlake Financial every hour during the day and at night for my payment for the car. Westlake Financial is the worse company ever, the 510 phone numbers are annoying, they don't know how to talk to customers. Please stop blasting my phone with calls, I know when my payments are due and how to make them.

I purchased a 2017 Ford Focus from Enterprise Car Sales in August/2018 which was financed through Westlake Financial. This company calls repeatedly before, during the grace period and soon after for a payment. I was told a grace period did not apply although my contract stated otherwise. The vehicle had problems, however when I went to return it to the dealership, the dealership advised they could not take it back and see Westlake Financial.

After 3 years of paying my car on time and sometime overpaid/paid early I ran I to some rough times. Despite that I would pay my car along with the late payments. Then I really hit a hurdle and fell just shy of two months behind waiting for my paycheck to kick on to submit a payment. When I tried submitting the payment online the system wouldn't allow me to. I tried calling Westlake (a finance company who works banking hours with no after hours support) to no avail! On the wee hours of Monday morning (not even on the weekends) while I was getting ready to drive to work my car was towed from the front of my home. I called and explained that I had the funds but was unable to get through to pay it. They told me too bad now I have to pay the whole past due amount plus an additional 425.00 to get my car out.

Customer service should be ashamed (Seguin TX). These guys will hound you for their payments? Calling you about 5 times a day every day. I'm paying 2 days late and they’re already threatening you about reporting you to collections. Mind you, I have never missed a payment in 3 years. The tone of the customer service representative was rude and very condescending and put me in a bad mood. I can’t wait to pay my car off and not have to deal with Westlake Financial anymore. Their customer service is terrible.

I've been a customer for Westlake for almost 3 yrs till my car was unfortunately totaled by a careless driver in a rear-end accident. My insurance company and Westlake had horrible communication and as a result took over 60 days to pay car off. I made a payment out of pocket twice in order to keep from having a derogatory mark. Never had a late pay on this account! 10 days after car was paid off in full To My Horror Westlake reported a late on my credit. Keep in mind they received over 9k on the loan in December. They've also received countless updates along with payments to keep account current while we waited on insurance company!

In December of 2018 my husband was in a bad accident that resulted in a total loss of my vehicle. I was halfway done paying it off and never late on a payment. I found myself having to scramble to find another vehicle and financing. I found the car I wanted online and through the dealer got approved with WestLake. My interest rate jumped from 11 to 18.3 because the other loan still was not showing paid off. I was currently working on repairing my credit and getting caught up after being laid off. My poor credit made Westlake one of my only options. But I knew in a few months I would be able to refinance to a lower rate so I accepted the loan.

I was with Honor Finance then from what I was told went out of business. Since I have been dealing with these people it's been a horrible experience. They are charging me NSF charges when I have never given them a check. I have always given them my debit card and all my payments have always gone through so where is the NSF charge coming from. I didnt have this problem with Honor Finance. They were nice and professional. I start dealing with these people and jeesh my blood pressure has gone up after dealing with these sharks. They are rude and unprofessional.

Been a customer for 2 years. Never missed payment until recently due to car accident and diagnosed with cancer. They repossessed my vehicle last night and within an hr of the repo I had borrowed the money and paid the fees... Now they are taking their sweet time releasing it therefore causing me to miss my Dr. appts. because I was told and have call recorded that it should've been done by this afternoon... It's now 3p and I live an hr away from where it was taken and still no call and Every time I called for checkup I get a different person and each one is ruder than the last. Will never go through again or even recommend.

I was called by a Mark ** from Westlake Financial Services starting Jan 25 2019. Mark ** he completely drove me crazy. Blowing up my phone trying to get a hold of me. He also sent me voice message telling me my loan was approved and it was 5000 with no Gimmicks or hidden charges at 3% interest. He instructed me to give him a call back as soon as possible. He did this four times a day for three days told drove me absolutely crazy.

Updated on 02/12/2019: Ok so Westlake financial updated my TransUnion credit report this week. It now says balance is 0. I paid it off in December of 2018. However they told Equifax that it was not closed and that my balance is over $4000 when I disputed it. Apparently one hand doesn't know what the other is doing. Westlake you sent me my clear title and a letter stating that the loan was paid in full. Stop playing games with my credit! I will never deal with this company again.

I had lost my mother due to illness and I had asked for an extension last week and it was denied and I was very upset. But today a nice representative was very informative and helpful that she did her best to try to get me an extension so I was affected by the late charges and I was very pleased because she understood me and did everything she can to help my situation out.

Ernesto was professional and caring. He was patient and provided Great customer service during a stressful period. He went above and beyond to make sure that there was a successful outcome. He listen and reacted to my concerns.

Henry ** from Westlake made it happens for me. I been with Westlake for 3 years and recently made another purchase on a finance plan and made it happen. They approve me quick - no questions or nun nun but good to me.

If you almost finish paying your car, don't get behind or late, they will try to take your car. Please don't deal with this company. Just go to a place pay here buy here. This finance company will, make a living hell, blowing y'all phone like crazy if you are one day behind.

I have had minimal problems with Westlake, other than their representatives never knowing what is going on and having to call multiple times to fix an issue. Not ideal customer service but pretty typical of loan sharks. However, today I spoke with Erik **. I was dealing with a NSF fee that was unnecessary and this was my second call to try and take care of it. Originally I was told the fee would fall off and to not worry about it. I called back today because it has been a month and we are getting calls to ask how we want to pay our accruing fees. I called and Erik helped with the account. He dealt with every question effectively and gave me his name at the end so I can speak to him personally should something go wrong after today. Very good service.

My experience with the girl I talked with this morning was perfect. I couldn't of ask for anyone better than her. If I can have her every time. I am a widow who lost everything when my husband passed. Married 40 years. My first time being alone since I was 19. I needed a break and think I got that with your girl today. Thanks.

Bought a van awhile back. I deferred a few payments but was never told that at the end of loan I would have a balloon payment!!! So I got to my last payment, got a call from them to remind me that my payment was due and it would be 777.00... I about had a heart attack. They said once I paid that my loan would be paid in full and I would receive my title in 30 days. I made the payment and guess what? NO TITLE!!! I called them to be told I still owed 365.00 in imaginary fees!!! If that was the case why was I not told this when I made the last payment. Well I was told that my loan was paid no worry about repo but I would not receive my title until I paid 365 more. What **! So it's been probably about 4 yrs. I argued until I was blue in the face. They will not give me the title so on my credit report it shows a charge of collection. It looks like a repo which is not right...

I, luckily, am not one of the people who has had to deal with this bank - since I buy all my vehicles outright. However I recently purchased a used vehicle from a dealership in MA. The title to the vehicle was supposed to be in on January 4th. I was told by the dealer that the bank was holding up the title and it would be in that week. I took possession of the vehicle and registered it with 20 day temp plates in my state. Several days later I found out Westlake held the title for the vehicle and I wanted to know what the hold up was.

While I had my loan I had no problems. They worked with me on late payments, always called to check on things. I paid my car off in 2015 got the title. Today I tried to trade that same, paid off, car in and lo and behold Westlake has my car listed as a repossession. Really, I have title in hand and you recently listed my car on my credit as a repo. Thanks for being inconsiderate screwups. I call and get told, "It’s not your problem." I was going to try y’all again to get financed but that is now NOT going to happen.

So my husband was trying to rebuild his credit, yes he had to go with a subprime lender, but the contract was made with Honor Finance. We paid every month early, in fact, we were paid ahead by 6 months. Never an issue on the loan. Come the end of August '18, I attempt to log in and pay ahead another few months when there is a notice that Westlake Portfolio Management has now assumed the servicing of the loan. No big deal, set up a new login, but during the conversion I notice our payments were not applied correctly, as they had been before. We had paid ahead with the previous company, but you could designate if you wanted that to be applied as a principal payment only, or per monthly payment so the daily interest would be paid. We chose the latter so the interest would be paid monthly and not add up.

I had a heart attack in November and fell behind on all my bills. I made my first payment on January 10. I look up my account to see if the payment posted and it shows an NSF fee. I checked with my bank and they said the payment and my deposit hit the same day. I just want to make sure will they resubmit the ACH or do I need to pay with a cc card? No word about fees. Just do not want them to repo the vehicle like they threatened to do. I have the money but I am EXTREMELY WORRIED.

Purchased a vehicle from a dealership, asking cash price $8861, down payment $3500, amount financed with Westlake Services $5399, finance charge $2435 (23.39%). 1st of 39 payments due 12/7/18 $200.91. Westlake contacted us via text with a Reminder on 12/7/18 that the payment was due and ask to press 1 to pay now or 2 to unsubscribe.

The customer service rep Ronald was very polite and answered all the questions I needed and also educated me on my interest and principal payments. He was very helpful. I appreciate the business. It was a pleasure working with Westlake customer service.

I paid this loan off on Nov 27th. As of Tuesday, Jan 8th I still have not received the title. I’ve called several times and had to deal with the rudest customer service reps I’ve ever seen. If there was a lower rating than 1-star, I’d use it. Westlake Financial Services’ customer service is horrible. Every single customer person I’ve spoken to is beyond rude and acts like you’re a second-rate citizen. It gets worse if you dare ask questions. No matter how desperate you are for financing, steer clear of this company at all costs.

Currently I’m a customer with Westlake Financial for over a year and a half. During that time I have never made a late payment and always stayed of top of my finances to make to make sure that there wasn’t any issues. The problem began on 12-18-18 when I called to get a buyout amount for my current vehicle. I clearly remember asking the representative to give me the total amount that I will need to make the check for plus any other cost that will be included in regards to amount of time the check will take to get to their office. They assured me that the current amount was accurate and that they will be no issue if they receive a check for the same amount. The check was mailed out on 12-19-18 and after several days I called the company to make sure that they had received to check.

Spoke with many agents. As you can see I called 10x today. No one seemed to want to help or actually care about my current situation, but then I spoke with Cassandra ** and what can I say? Spoke with me on the phone, guided me through everything with patience, didn’t leave me on hold for more than 10 minutes, helped me out with everything I needed, and she was more than happy to listen to my frustration and get me the help I need to get my situation taken care of. CASSANDRA ** BEST AGENT IN WESTLAKE FINANCIAL. I give her my VOTE for best customer service.

Ryan was a huge help with getting my account in good standing after having some financial hardships these past few months. He was very polite as well. It made all the difference and made for a lot less to worry about!

Laneishae was very helpful and understanding, I would recommend her services and plan to continue working with her. I’m glad I was able to speak with her in some of the most difficult times in our lives and to know she’s very understanding of some issues we face. She’s willing to go above and beyond to help her customers.

I am 19 years old and was proud as ever when I was able to purchase my very own vehicle for the first time. Little did I know what I got myself into when I agreed to terms with this company. I paid 60% of my first months payment and always kept up to date with my email to see if anything would go wrong but I got no email. I apparently received "tons of phone calls" but I reassure you I did not. Checked the app and it added the rest of that months payment onto the next, you'd think after not being contacted that it would mean everything was fine? NO. Walk into work to a random man asking everybody for my location, harassed almost. I then decided to surrender my vehicle and make the rest of the payment immediately but no that isn't honorable.

This is a horrible company, and some government agency needs to intervene in the predatory practices that this company engages in. This company is absolutely unethical. First I was told not to make a payment because they had an incorrect social security number provided by the dealership. I was told by the underwriting dept to wait till they verified my information with the dealership or my payment would not be properly credited. Then collections Sept said I was late. Then to make things worse they tried to say I was 2 months late on a vehicle I only had for one month. This is a truly shady company. If you have any other option, I would strongly recommend that you don't do business with Westlake Financial. You will regret it.

The rep was really short talking and rude. I was trying to be nice and he was mean and nasty. I will never use them again ever. Their reviews are not good for that company which is in with Wells Fargo Bank.

Wonderful experience. Westlake Financial representative was really helpful, knowledgeable, caring and friendly. Really grateful to do business with Westlake Financial. They were able to deferred my payment when I needed the most...

After my husband passed away in September of 2015 I purchased a car through Paul ** in Reno Nevada through Westlake Financial Services out of Los Angeles California. I Surrender the car to them and they still continue to put amounts of money that I do not owe for them or to them about my car or for my car which was the 2015 Nissan Versa Note hatchback which was surrendered back to them in the same condition it was that I got when I purchased it. They are continuing to ruin my credit. They continue to add money to my credit score and tell them that worst negative buyer ever and all my payments were made on time never behind.

I have never had such a terrible lender. This is my third vehicle loan and I have never had any of the previous companies harass me as much as Westlake does. They call me from different numbers at all hours of the day. Recently my payment was due on a Sunday which I did not pay until Monday, sure enough they were calling me that Monday! Asking me when I was planning to pay and how much I was going to pay, I finally said, "I'm logged in as we speak, will post the payment now." And hung up. I'm 100% sure I have a grace period! Why are they calling me the next day asking if I'm going to pay? I always pay extra to try to pay this off ASAP. I was hoping to keep this lender until the balance was paid. But I after 3 months I can't handle this anymore. Already speaking to the other lenders I've used in the past in hopes to refinance ASAP and never have to deal with Westlake again!

I was a excellent customer of theirs and even paid my car off early a few years back. So I went into a dealership the other night to get another loan and come to find out they wanted a 6,000 dollar downpayment on a 11,000 dollar car...it was almost as if they didn't take into consideration that I was a great customer with them.

Westlake Financial repossessed my car after I complained Zeigler of Berwyn in Chicago committed fraud. Now they call everybody I know, but NOT ME. I've ALWAYS ANSWERED. Why they don't call me anymore???

This company should not be in business. We have done a hand full of deals with them as a dealer. EVERY instance there are lies and dishonesty to us and or the customer. After a deal, service fees going up hundreds or a thousand dollars. Customers loans being pulled because they didn't do the work they said they would. RUN FAST, RUN FAR... I would NEVER recommend anyone to do business with them. If you do, take a shower. You'll feel filthy.

After I finished paying off my car loan they could not send my title. Do you want to know why? They said they did not have the correct address on file. I called over a period of 3 months correct it to no avail. Please remember, they had the correct address when they were sending the bills every month! They always transferred me to another shady outfit of theirs to have me pay to have the title mailed to me. Avoid them. As many others have said, avoid these shady people at all costs.

Nicola, the agent that helped me, was very understanding and helpful to my needs. She listened and immediately wanted to help me and that's what makes the difference. I'm trying to do what's right and seeing that she wanted to help me do that. Thank you so much!!

I’ve called complaining about the dealership I purchased a car from and fraudulent activities. Tonya was great. She documented all of my concerns and I was very pleased to know that she cared. Although I will never deal with Best Buy Auto in Philadelphia. I will recommend Westlake Financial.

I been with this company for a year now. Been dealing with PTSD and fell behind on my truck payment. Got it repoed Friday. Paid to get it back Monday and today is Thursday. Been dealing with this for a week now and all I get is the runaround. My truck has been sent to auction now after I paid all my fees. From the beginning customer service gave me the wrong numbers of where my truck was at till yesterday that my truck got sent out to auction they gave me the correct number. Now they won't send the release letter to the auction place so that I can pick up the truck. Been told to shut up be quiet or else the rep won't help me. This is total crap. Will be talking to the BBB. And the FTC about this of what my options are this company is trash.

I read all of the bad reviews on Westlake & I was nervous at first to say the least. However, Westlake was not that bad. I set up auto payments & I had no trouble dealing with them at all. Now, after 9 months of on time payments, I am as able to refinance with my Credit Union for a MUCH lower interest rate & a much shorter term. I am now on track to buying my first home. I wanted to say "Thank you" to Westlake for giving me a chance.

I have been with Westlake Financial following a purchase from Carmax for the last excruciating years. I went on work trip for two months and they towed my car. Which I admit is my fault. I paid in cash to pick it up and like most people was in a panic because I need to go to work with my only car. I spent over 4 hrs on the phone and was told the amount of the "Tow" charge and I verified with manager that the price was indeed the almost thousand dollars. This being a very high amount for me at the moment I triple checked.

I have been with Westlake for a year and it’s been nothing but hell. The whole customer service team are a bunch of idiots who barely are able to speak English, they don’t seem to know how to transfer a call or get a supervisor or anything really. Uneducated in the sense of customer service or anything Auto. If you are an auto loan company employee I believe it’s pretty important to at least know terms like ‘bill of sale’ or ‘copy of contract’, dude acted like I was speaking gibberish. Obviously ** they picked up off the road to read a script and that’s solely it. Won’t be my last complaint with these crooks.

Susanna was friendly and helpful! What more could you ask for when you've gotta make your car payment. She set up my next payment for me and then gave me an extension for the following month. It was an easy, stress free process.

The entire customer service department at Westlake needs to be retrained so that everyone has the exact same information. Last week I called to voluntarily surrender my vehicle because of illness and not being able to return to work and falling behind two payments. This week my parents agreed to make the payments and get me caught up. I called Westlake last night to cancel the surrender setup for Friday and inform them that the payment would be made. The young lady said I can definitely assist you with that, but be mindful that if you do not get caught up by the end of this month the vehicle will go up for repo review. I said I do understand and she placed me on hold and then the call dropped out.

Plain and simple I had a vehicle financed with Westlake. It was hit in a parking lot and was damaged. When the insurance company said it was going to send a check for the repairs to me. They informed me it was also be made out to Westlake. I decided to pay the vehicle off so that the process of the check would go faster. I was so wrong. I sent them the check and they explained they would send me a refund for the amount. This isn't a small amount, it was for over $11,000!!!

Terrible company. Damn scam artist! You should be sued! Took my car and now holding my property hostage! I will be contacting a attorney! This definitely has to be illegal! My purse, four baskets of laundry that my kids need... All my blankets and linen and it's cold outside! Just trash!

Never ever finance through Westlake Financial! They call you prior to your payment due date to remind you to pay it! I posted a payment at like 4:30 day of payment so with the time zone difference they called me 4 times the next day to demand pay! The first caller after reading her notes saw that payment had posted! Still received 3 more calls that same morning! I wish I had a lawyer friend that would be willing to go after them for harassment! Nothing but phone call after phone call 6 times a day! If I could I’d rate them a -5 star!!! Beware of them!!!

My loan was serviced by Honor Finance. I had no knowledge my loan was being transferred. I made a payment with Honor before everything was changed and it's not reflecting. Westlake does not care about honoring anything that Honor had agreed to.I made a payment was suppose to have an extension added. They never honored that. Now I'm in jeopardy of losing my car. I'm told today the payment arrangement I made failed. I explained to the rep I do not get paid until after 2 today and I need it set up for Saturday. Well I been getting harassed all day being threatened I'm going to lose my car. They do not care about the customer at all. I never made an arrangement for today. Please someone help.

Sophia the customer service supervisor was very kind and helpful. She listened to my problem and quickly worked on fixing it for me. Even though I was a little aggravated from speaking to a not so nice customer service representative named Jennifer beforehand. My mother had been ill this year and recovering from a serious spinal surgery. It meant a lot to me to have someone kind and considerate and not just clocking in and answering phones. Thank you Sophia for your kindness may you have a wonderful holiday and never change. Thank you. :)

Alda why is my customer service representative. I was inquiring information regarding payoff and fulfillment of contract terms. She was very knowledgeable, spoke clearly, very patient, and comforting. I felt that she gave above and beyond customer service. Thank you.

I bought my vehicle from Auto Direct (Houston, TX). I was to pay $3200 down when they received approval from Westlake. I paid the down payment; provided insurance binder... And left with the vehicle. I received a phone call week later from Westlake Verification Department. They pulled verification question screens from Experian. Today, the car dealership had a towtruck come get my vehicle. I had to make multiple phone calls before someone at Westlake told me that I failed a verification question.

I have set up for auto pay. They didn’t deduct my monthly payment. I had call them so many times. They answered me that, "You are good for auto payment." At the last I have to pay $25 extra because I didn’t make a payment. Westlake finance Customer Care Staff are really amazing to giving wrong information.

I was a former customer years ago. I called in and spoke with Jessica **. She was so nice and very professional. She advised me of a customer appreciation program for returning customer that I will get if I sign a new loan with Westlake Financial. Now I’m in the process of a new application. Thank you, Jessica for all the information. Excellent customer Westlake Financial.

I originally had a loan with Honor Finance. Normally I would make my payment with the office here in Las Vegas. One day I entered to make my payment as usual and all that was posted on the door was to mail your payment into their department in Il. I did just that. Thinking everything was fine. As I sent in a payment of 700 worth. Then come Friday November 9. I woke up to my car gone. No call. No voicemails of them trying to contact me. Not even letter in the mail... After learning about the change when I called to see what had happen to my car. They would said they aren't responsible for them not informing about the change in company and that they never received the payment.

My car loan was transferred to Westlake from Honor Finance and since then it's been nothing but constant calls and their service reps just being plain rude and not willing to explain anything or help in any way besides noting the account and not actually taking care of anything. As of now I've been threatened by one person there and as soon as I can pay my loan off it will be for being so technically advanced. That's a bunch of bs if they can't put in for an extension so they end up calling every day several times a day just for me to get mad as I tell them the same thing over and over. I'm sorry but if the other company did it one way you have to continue to do it that way unless you make the customer aware of the changes per lawyer's advice but bad customer service must be their top priority.

How is it that I get approved for a vehicle, sign the contract and Rmv form, have financial papers for Westlake Financial and 6 hours later get an email saying my loan was denied... I have a 619 credit score and they finance people with bad credit. How did I get approved to get turned back down??? I just bought a vehicle that I can't even finance now. How the ** is this possible?? When I call the financial department no one will answer me and I keep getting forwarded to other people. My heart was just shot at and now I'm ** out on a vehicle and money for one.

3 months after I got a loan through Westlake for a vehicle the vehicle broke down. I contacted Westlake and they stated there was nothing they could do that I owed for the vehicle whether or not it was worthless, which it was. I had been sold a vehicle that had a broken engine and Westlake didn't care. Jump to 6 months later I stopped making payments on the car because I had to get another vehicle to get to work. I was sent a letter stating if I gave them a specific amount they would consider the loan settled. This is after they had already taken the car.

Very unprofessional company. The interest are too high. They lie too much. I took a loan of $7.500 with a 20% interest. So I started to calculate and I was really paying 24.99% interest. They lied to me. I had to pay double or triple payments to pay off this loan asap.

This company is money hungry. They do not care about their customers. Every month I have to fight with them to allow me to make a payment towards my PRINCIPAL!!! And every time they tell me they do not understand what I'm talking about. After going back and forth they say it's good to go just to find out they are putting my extra payment towards the whole balance including the interest. How do you not know what principal means?? I mean come on!

This company is the worst financing company. The customer service reps are not knowledgeable. They constantly tell you lies just to get you off the phone. I got my vehicle out of repossession on November 4th and today is November 16th and I still can't register the car all because they are dragging their ** with process. They prey on those with bad credit with their predatory loans. I would do anything to get rid of my loan with this company. Buyers beware!!!

Westlakes customer service is great. The staff are charismatic and very nice. They help with all my questions and explain everything clearly. I am happy to do business there. I won’t shop anywhere else for an auto loan. Sure the interest rate is high. But the rest is better than anywhere I’ve ever gone through before.

This company constantly lies and hangs up on you. I am unable to obtain my vehicle even though I have sent the release from the sheriff's office. They say they didn't receive it then they say they did but it’s not the right format then when I send again they say now it needs to be something else. This has cost me over 700.00 plus lawyer fees and they still will not cooperate. DO NOT EVER DO BUSINESS WITH THIS COMPANY.

Westlake has been good to me thus far into my loan, I pay ahead of time and they send me reminder calls every month. But today was different, I called to have my Due date moved closer to my payday (first time I've ever asked them for anything). The broken English speaking women on the other end of the line was very inconsiderate and undertrained on customer service. She didn't allow me to speak or ask question and when I did she would say "just be silent, I tell you about term". UH HELLO, the customer needs to ask questions before you go over any terms. When I would ask her things about the change in interest or if I could have the due date on a particular day she would just act like she didn't hear me and say "ok you change to 15-21 day, which one". Bottom line the language barrier and no interest in helping me was very annoying as a customer. Her only goal was to get me off the phone & I don't appreciate that.

My loan was previously serviced by Honor Finance. I received a letter stating that it would now be serviced by Westlake Financial, after I had mailed a payment to Honor Finance. Somehow, that payment was lost or never applied. I received several phone calls from random phone numbers, and they never leave a message. I finally answered one at 8:30 AM, and found it to be a robo-call from Westlake asking me to hold for the next available agent. 22 minutes later, I was still sitting at my desk at work on hold.

Westlake Financial Services is an excellent company, and has serviced us perfectly for more than a year. Westlake Financial Services was quickly responsive to our needs today. Renzo, is the young lady that we would like to commend for her patience, her professionalism, and knowledge. We were able to change our password to our convenient online account smoothly, and easily, thanks to Renzo. This made our payment less expensive and easier to do. Since Angela and I are FE (Field Engineers) DBMS (Data Base Management Systems) for the Global Enterprise Systems, Asynchronous Communications are important to us, and we are always delighted to find a great team to help us. Thank You Renzo, and Westlake Financial Services.

I recently purchased a car in Hawaii with Westlake Financial as the finance company. I called in to inquire about my first payment and they told me the date and I asked that if I were to pay after the grace period what would happen. They told me that a late fee would be added or 5% of the payment amount. They did not mention repossession. I had an unexpected tax emergency and I wasn't able to pay it until 11 days past the grace period. I'm thinking I'm ok because I would only incur a late fee. I wake up to the dealer banging on my door wanting to repossess the car. I called Westlake explaining the situation and the hardship but they were not willing to offer any type of compromise. I paid the 1 month payment that was past due (not even close to 30 days) and called the dealer with the confirmation number.

I need to change my payment date and Veronica was very helpful. She was a sweet woman to deal with. She helped me and my payment date was successful. Dealing with pleasant people made for a happy experience.

My vehicle was repossessed for $35. I paid last month's payment and was short 35 dollars. Before I could pay the next month's payment including the extra 35 dollars, my car was repossessed. Then I'm told I have to pay the 35 dollars and towing and storage fees to retrieve my vehicle. That came up to 590 dollars. What are Westlake policies concerning the terms on repossession? Because if by any chance this is not within the terms and conditions, I'm suing. Have a good day. Because I'm not.

I got my car in 6/2017 and Westlake Financial Services already is giving me problems. I sent a certified mail to pay the car payment and it was delivered on 10/13/18 by the US Postal Service. Westlake Financial did not give me a full credit on the principal, they only applied an amount of $55 and the remainder of $398.61 was applied to interest.

Buy here Pay here where I purchased my vehicle set me up with Westlake financial. Its has been one annoying experience from jump. Customer service is horrible, and they have not one sympathetic bone in their bodies. Lack of understanding for life events. I've missed payments here and there due to lack of hours, and trying to get a live person on the phone when they call you is hell especially when you are at work trying to handle business. My car was just repossessed and in trying to explain why the only response I got was "do you think it's okay to be late". The nerve of that woman. I pray she never goes through hard times. They can keep the car as it was raggedy anyway!

Their customer service reps are ** horrible! They yell & are very rude! I really want to refinancing my loan with someone whereelse!!! ** Horrible! Ridiculous horrible then they overcharging me 20% when my truck is even worth what theyre charging! Deserves zero ** stars!!!

My car towed, because I missed payment. So after that I made payment by MoneyGram and they told me that need 24 hours because transaction need complete. When it's completed I called and they told me that, they need extra 48 hours because they have their church and from them need approval to send info about my payment to other company where I should go and pick up my car... but also that company need more 2 business day... what's happened here??? Are you kidding? I am international TV correspondent and worked all Europe but I never see the same in my life. Also Westlake's representative told me in the phone: “You should to pay on time. Everyone need car and now you can wait???” So now I am waiting Westlake's church decision. :)) I just need my car back. I just need my car!!!

Jessica is the best customer service representative that I have had the pleasure to work with. We were in a accident and going through the insurance protocol and our car was not driveable so it was towed to a lot. Long story short when my insurance company went to pick up the car to evaluate it they were told it was repossessed. We called up Westlake Financial and were very upset to find this out and got Jessica (poor thing). She was very professional the whole time and believe me I was very upset to say the least to find out that they considered it a repossession. My husband had to talk to her because I was so upset.

My car was total-out on 8/23/2018. Westlake told my insurance carrier that I did have GAP insurance, then they gave GAP a different payoff quote from the insurance carrier. They also have different remaining balancing on the account, none of the numbers match up. They repoed my car in December of 2017 with payment arrangement made, then applied the repossession fees to the car payment once and still charged me the repossession fees. The car payment stated the same for 3 months, then I learned after the car was totaled out they were charging me interest a day on the account, when I was informed by them I had a 10 grace period before the car note was considered late. They state the car has a remaining balance of $3000.00 on my account but quoted other dealers $3500.00.

Company has changed the terms of the contract while the contract was still valid. Representatives are rude and unwilling to work with you. Please do not use them. You will be spending way more than you need to.

Long story short, the dealer we went to went bankrupt, and Westlake Financial was the finance company. They never received the paperwork on the vehicle. We still made 3 payments to them. I was given the title by the owner of the dealership, so there is no lien on the vehicle. When I requested a refund, they FINALLY sent me a check, only to put a stop payment on it. Crooks crooks crooks!!! We will see them in court. Customer service is nonexistent. No one knows ANYTHING!!

Norienne did an awesome job assisting me w/ my account when I wasn't aware of certain updates. She remained cordial and professional even when I was upset. She made sure she assisted me before I got off the call. I am very pleased w/ the outcome and her service!

Why are all these stories sounding familiar? Why does this scam sound like a lawsuit waiting to happen? Something stinks, and it won't be long before we're checking to see what it is... in court. We could all use the money. I have one payment left. My credit report does not support these morons' claim of delinquency. Do they think that some of us getting in a credit bind makes us stupid? If so, that's a pretty good indication as to your own level of intelligence. You wanna draw the wrong kind of attention to shady business? Then keep harassing the people that were actually paying on time. I promise you, when I'm done, you'll be paying for a house, cars, and all the toys. OR, you can take your last payment and send me my ** title: easy. I don't believe in coincidence, side effect of being in the U.S. military. No story sounds this remarkably similar to all others. You're drawing the wrong kind of attention ** birds.

My car loan was transferred to this company a couple months ago as the original finance company was going out of business apparently... Sounds a little shady from everything else I’ve read… Kind of sounds like they have sub company said they open up, run, and then shut down so they can absorb the business. Anyways... They had me sign a deferment agreement for the month of September providing I pay my past balance for August and my account would be current. I signed the agreement and then realized that the dates were incorrect and now they tell me that it was based off of an approval which I was never told nor does it state that in the agreement letter and now they are telling me I’m still in default and that the deferment was not approved and they are not offering any more extensions for October.

I’ve made my payment on 10/09/2018 and Westlake Financial is saying they haven’t received it. I’ve already submitted the proof of payment that was given to me by my bank. I think this financial is a thief just trying to take people money. We should all get together and file a lawsuit.

My loan was transferred to Westlake Financial. Worst experience ever. The first 2 months of my loan were spent on the phone arguing, faxing proof of payments that they claimed they never received a fax for, more phone calls and emailing proof of payments that I had made to my prior loan company. They CLAIMED they never received the payments from the prior loan company. That took hours of my time to resolve. Now, a driver totaled my vehicle, the insurance adjuster sent over a guaranteed release of title which they couldn't find, then they did.

They will sell you a ** car that you can’t afford to fix and then repo it and tell you there’s nothing they can do. I spent 1600 on a car I’ve only had a year and it wasn’t even regular maintenance. I had to fix the whole electric portion on the car. And the CEO Don HANKEY told me there’s nothing he can do. Bunch of crooks. I hate this company. I’ve been miserable since I bought the car and I can’t afford to trade in or get out of this contract with the devil. Never again!

I just sign my paperwork at the car dealership for my new vehicle today. I got a very good interest rate which made me very happy. After a long search for the perfect vehicle it feels good to top it off with a great arrangement. I look forward to doing business with your company. I'm very excited about getting my welcome call soon.

I made a call today asking for some documents that I needed, a copy of, my contract and some other stuff, and the customer agent Rex took care of me in a way that I thought we had been friends forever. No hassle, very professional, and fast! Thanks so much Rex! Westlake you guys ROCK!

I was behind 2 months on my car payment because I lost part of my income, my car was repossessed and I immediately made a payment to be able to get my car back, it's been 3 days and I'm still not able to have my car back waiting for the release, today is Friday and the tow company doesn't open on the weekend, which means my car will be there for a week and adding more fees for everyday is there, I find this absurd, the time I'm losing from work, and the money I have to spend on transportation right now. I have contacted a legal team and they will be contacting your company, your customer service are horrible and with no tactic or knowledge.

So we have had a love-hate experience with Westlake. Let’s start with hate... it’s so hard to speak to component people there. With that being said, I just spoke with Rod in the insurance claims department and he was absolutely wonderful! Very easy to speak to and most of all intelligent enough to understand what we were asking. Thank you for employing Rod, give him a raise and he needs to train other employees. We love Westlake because they have provided financing to us throughout our credit journey from young and dumb and time to get it together to finally credit cards and reasonable rates. So thank you Westlake. Hire more Rod’s and let’s keep doing business.

Brittany ** shout out to you. Thank you for your help today. Never have I have been in delinquent status and one customer service is pleasant, to help with suggestions to get you up to date. I have no idea and this lady suggested what options I had and advised me how to keep account current. Love this financial institution.

I was in a car accident recently and I lost my car. I haven’t had a car for 2 months because these people refuse to cooperate with my insurance company. Every time I call I get the runaround. My insurance company has been trying to pay off my car for months and it seems like they don’t even want the money. When I call I get no answer but, you guys never seem to miss a beat with those harassing calls when I need to make a payment. I just want to pay off my car and buy a new one. Can someone please give me a direct extension number so I can talk to someone? This company sucks and I’m never financing a car with them AGAIN!

So Westlake called me... FINALLY! NOT the guy who lied and said that he was going to talk to the supervisor to look into my account. This is my response to that phone call! On my review they sent me a message saying the same thing they post on everyone's reviews. This is my response to that as well as my response to their phone call today:

I called to get help with my payment. Rod was very knowledgeable about the reason for my call. He went above and beyond to help me. This was a great experience. I think he should be the spokesperson for all customer service.

Ty to my account specialists Anthony ** for helping with any question or concern I had with my auto financing account. The service was excellent and I would definitely recommend this company in the future. Ty again Anthony for all of your help!

I have been paying for my truck for about 4 years now. I had to defer a few payments in the beginning but for the past at least 2 years I have been making ALL of my payments on time every month. No one told me that by putting those payments off until the end of the loan that I would have to make all of that and the late fees all at one time! We found out that they were putting us on a past due with the credit bureau. Even though the rude guy that I spoke with confirmed that we had in fact made regular payments every month but we would still have to pay that whole almost 2000.00 all at once or it would keep going against our credit. The supervisors were busy so he told me that he would speak to the supervisor and get back to me with what they had decided to do. NOT ONE TIME DID HE SAY ONE WORD ABOUT A POSSIBLE REPO OF MY TRUCK!!!

I spoke with a representative there and I cannot begin to tell you what a wonderful experience she gave me by doing EVERYTHING POSSIBLE TO HELP ME!! Her name is MARLENE **!!! Her customer service is absolutely PERFECTION TO A TEE!! I always call and it's a toss up if I get to speak with a person that really cares about helping me with understanding but this time was totally different!! I cannot express it enough. I cannot thank her enough for helping me! Taking the time and having patience to understand everything with my file. I highly recommend on speaking with her because she obviously specializes in results!!! Thank you again!!!

Just purchased a vehicle that was financed through Westlake Financial, attempted to set-up online payments, states "Your account requires special handling" and to call. Was told by a very rude representative named Cherie that we cannot make our first payment online, we would have to do it over the phone. So I asked, are we going to get charged a $5.00 fee and she says yes! THIS IS BS. Why should we have to pay a fee because they will not allow us to make our first payment online. The first letter I received from them states we can make a payment online. I am convinced this place is just trying to steal our money.

I have a car loan through Westlake Financial. I called and talked to a rep. and made a half payment on my car on 9/14. I authorized a payment of $160. I then receive an email of two transactions of $160 and $380 about 15 minutes later. I called back to get the $380 back, but was told to call back Monday 9/17. I called back Monday morning, I told the rep. what happened on 9/17. He said they could wire the $380 back into my account, he just needed my routing and account number, which I give him. He said to expect the money back in my account within three business days.

I bought a pick-up and Westlake provided the loan. I was nervous because I read some reviews saying they would take your car after the first missed payment, among other things. I will be honest and say I wouldn't have made it through the loan without their patience and understanding. All of my experiences with Westlake exceeded my expectations, and I never got the feeling they were trying to do me wrong. I just made my last payment on my three year loan. Anthony ** really seemed to know his job well and like he genuinely cared about helping me out. Great guy, Thanks Anthony!

I keep trying to make a payment and my bank is saying that Westlake is purposely declining my payment. I tried with card and direct deposit and again they keep declining it. So now I’m here trying to get some help. I think I’m being scammed and I don’t know what to do at this point. They are declining my payments to assess me with more fees. I never signed any paperwork with them. My original finance group sold my debt to them and it’s starting off really badly at this point.

I have contacted Westlake several times. A loan that they were supposed to service got voided. The contract was cancelled and made null and void. However, they continue to report late payments to all three credit reporting agencies. I will apparently have to contact "THE CONSUMER AFFAIRS DEPARTMENT IN WASHINGTON " to have them investigated for falsifying credit reports. I have tried to handle over the phone to prevent this to no avail. Congratulations I hope you have all your i's dotted and t's crossed when Westlake gets investigated.

Terrible company to finance your vehicle. My car was repossessed without warning. Now they want to charge me $1190 - 1 month payment and the rest are wrecker fees and they will help me by deferring a payment to get my car back. Ridiculous!!! The total. I was behind $840. Stay away from this company.

I got a loan with Westlake Financial and have been doubling my payment. They sold my contract back to the dealership and didn't tell me so I still kept making my payments. They kept my money. I have now paid off my car but they still owe me $515 and excess payments that they keep giving me the runaround and it's been 3 months now and I still have not received my money back and they can't explain to me why they kept accepting my payments even though the account was sold back to the dealer. They're thieves.

Even though the car I purchased stopped working two years ago, I paid the car off. I have been waiting on the title so that I can sell it for parts. I have not received the title but I have received bills stating that I have not made the final payment. When I call the company and give them my bank information and the confirmation number, they are able to find the payment. I keep receiving letters saying that they don't have the payment. I'm not sure what is going on here but no company can take money from consumers and continue to claim that they have not received the payment. I have the documentation. I have called and complained. I am still waiting on my title. Avoid this company at all costs. No business should be able to operate this way.

Westlake Financial is a ridiculous excuse for a finance company. We have been making payments for several years on this account. We had a hail storm that totaled the vehicle. We called in and spoke to the representative to let them know the insurance company would be contacting them about a payoff and to shut off all future automatic payments. The insurance company corresponded with them, got the payoff amount and had us notarize a power of attorney and letter stating the title should be sent to them after payoff. All of this before the next payment should have been due.

In an otherwise terrible situation, Jackie was kind, knowledgeable and patient with assisting in reclaiming my vehicle after repossession. Have never had a bad customer service experience with Westlake.

Westlake is financing a car I bought at a dealership just about 2 weeks ago. I haven't even made my first payment yet (NOT FOR LACK OF TRYING!!) and I already hate this company. I have tried every single way possible to make a payment on this vehicle and cannot make one! The app tells me my account has special circumstances and I need to call a 1800 number. The website won't accept a payment either. So I call the 1800 number and I can't make a payment using the automated system! It tells me I have to speak to a representative!

My car was repo for two late payments, never received a letter of any kind. I paid what they told me to pay to be able to release it. They gave me a number to call so they can give me the car back. When I called the number they told me it had been released to auction and to call Westlake, well I called them and they have no clue where my car is at. They keep hanging up on me or redirecting me to different reps... I just want my car back!!!

Won't speak to me. I handle all bills and not my husband. I have tried to get online to pay truck payments but it won't let me, then you try to call someone and all they care about is getting the money over the phone. I want to use online payments! No one wants to help you or you get someone you cannot understand on the phone! This is nuts not getting any help!

I am thankful for getting a car loan when I needed one desperately but these rates are too much. I have been paying over $400 monthly for 2 years on a used car and my original loan has only decreased by $2000. That means I have made over $9000 payments and over $7000 has gone to interest. No matter how desperate you are, don’t do it. Not with them. Customer service is also not the best. They have lied to me several times. I am depressed over this loan.

If due days it’s 10 of the month and the payment it’s not made. You would have people calling you on the 10 morning as early as 7:00 am and 20 time a day your phone will ring from Westlake. Payment are applied in a way that all you pay is interest and the capital won’t go down. This company it’s a scam, STAY AWAY??!!

Horrible spammers! They call non-stop from different phone numbers constantly. I get at least 5 calls a month ifs not 10. All of these calls are from different numbers. They need to be fined for this blatant disrespectful practice. AVOID!

After a 2 year contract I just made my last payment to Westlake. I have had absolutely no issues. Every time I needed to push a payment back they assisted and was understanding. Every time I had a question I always got help. No one ever was rude to me. Yes the collections calls when you are late are annoying but. I truly, truly am thankful for Westlake. I read nothing but bad reviews and I was so scared to go into a term with this bank. To my surprise, they exceeded my expectations. I do want to give a special shoutout to Ryan **. I think that's his name. He just took my last payment and answered every question I had. Ryan I love your professionalism and I see you being a great leader in the future (I'm a call center talent supervisor). I wish you nothing but the best!!

1st off when I purchased my car it was financed through a different company. I received a letter telling me that they were going out of business and that I should be hearing something from another loan company. I never heard anything for at least 4 months and finally I got a phone call telling me I was in default. I had no information on how or where to make a payment to. When I was finally able to speak to someone, I started making my payment again, no payment book, only my receipt where I did it from Walmart. I have had this car since 2013 and went out today and it was gone. Called and was told I had applied for more credit? What a crock. I have read other reviews of the same thing and worse happening from this place. Was warned that you never get the title to the vehicle either.

When others overlooked my grief and issues Luis was extremely professional and showed empathy towards my confusion. He was calm and this helped me to calm down! He was very patient and polite with me. I have never had a better customer service representative like Luis in my 40 years of life! Thanks to Luis! He’s amazing!

This place in my opinion should not even be allowed to operate as a business. Reviewing the previous reviews I see that they have a pattern of misleading, lying to customers. My car was taken on 8/9/18. I paid the fees on 8/10. It is now 8/15 and I still have not been able to get my vehicle back. I have been given the run around by their customer service dept. I'm fed up and I ready to take legal action. I'm in full compliance of my contract but yet they are allowed to breach it. I'm contacting every agency I can to file a complaint in addition to legal assistance. Not to mention the fees I'm responsible for to get my personal belongings back. I HATE this company, they purchased my account from my original finance company. I have had to drop my classes because my car has not been returned. Worse company ever!!!

I have to say that I am very pleased with the service provided by Westlake staff! I had an account with them few years back, and for some reason it was not showing completely paid on my credit reports. I reached out to Westlake to have them update the information because I am ready to purchase a home for my little girls. I spoke to supervisor Harvey **, who explained to me why it was showing charges-off, he said to please give him a week to update and send me a letter to give to my lender, and I was amazed as how fast I received the letter! He went above and beyond to make sure I received my letter, not even two hours later, and my lender already had the letter, plus the following day, my credit report was updated.

LaToya, was a great representative, she took the time to listen to me and to also help me when I explained my financial issues to her. I’ve read a lot of bad reviews about Westlake Financial and was a little upset about their services, but since I’ve been with Westlake Financial its seems as if their service has improved a lot. LaToya, keep up the good work. Remember it’s not the company that makes the company, it is the representative who work for the company, that makes the company.

I opened an account with Westlake Financial some time last year for an Acadia and everything was great despite reviews and people I had talked to who warned me. I never had a bit of an issue. Customer service was always friendly and helpful and everything was good. In February I found out I was expecting again and I needed to upgrade to a larger car so I went to the same dealership and found a perfect match. I financed again with Westlake. I was sort of concerned because I had to put $4,000 down because my old loan wasn’t “old enough”, but it was doable so it got done.

I've read some negative reviews about Westlake Financial Services, but myself I’ve been with them for over 2 years now and they have always gone above and beyond to help me whether it's helping me change my payment due date or to get an extension due to hard times and falling behind on payments. They always do whatever they can to help regardless of all the countless times I duck and dodge their calls. They’re not like other companies who you miss one payment and are quick to repo your vehicle with either one notice or not even a notice at all. Felipe ** was very helpful time after time for all the above needs. I highly recommend Westlake if you’re looking for a finance company who actually cares to help you and doesn't just see you as another account number.

I wish I would have checked out this rip off lying people. I put 8500.00 down and have paid 6 payments on-time and wanted to shop for a lower interest rate than 23.99% which I was paying. As soon as a bank approved me and was going to trade the vehicle the next night my car was wrongfully repoed. And can't get a straight answer from anyone or why. They are racking up money by storing my car but guess what I have already got legal consul waiting for these crooks next move. Don't trust these people. They are THIEVES.

This Financial company is the worst Nightmare of my life so far, If I could give a 0 star rating I would also. The loan was paid in full in January 22, 2018. This is August 2018 and they still show as unpaid to all the three credit report agency. I keep calling and nobody can explained to me why they still showing in my reports for almost 7 months and nobody can transfer me to a manager or supervisor, this company is total scam. Can anybody will someday listen or do something to make sure this company cannot harm consumers, this company will hurt your credit so bad. I hope that no one will ever use Westlake Financial... very dishonest and corrupt company. Like somebody wrote about is true I wish I would check their feedback before to go to them. This company needs to go out because is so dishonest.

I have been dealing with this unprofessional finance company for days now trying to get my account with them closed due to paying off my vehicle early! I purchased my Jeep March of 2017 through Westlake Financial company. I have made all my payments on time and even paid it off 13 months after purchase on Feb 24 2018. My finance agreement was for 2 years. They sent me a pay off letter and my title but will not submit whatever it is to have it took off my credit. I just looked at my credit on Monday July 23rd 2018 to ask them why they have not closed the line of credit after I paid it off in Feb.