• Report: #1135164

Complaint Review: Westlake Financial

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  • Submitted: Mon, March 31, 2014
  • Updated: Wed, April 02, 2014

  • Reported By: Nellyii — Chino hills California
Westlake Financial
Nationwide USA

Westlake Financial Rude, Illegal collection Tactics. Westlake Financial worst company to finace with! DONT DO IT! Los Angeles California

*Consumer Comment: Typical Sub-Prime attitude....

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I bought a used 2012 Nissan from the Nissan dealer in Huntington Beach, Ca. They financed me through WestLake. I have had this car for well over a year now paying on it. I just stopped answering their phone calls, it’s to the point of harassment. They start calling 5 days before your payment is due and 6 times a day starting at 8 am if you are late. I just stopped answering their phone calls.

I had become 30 days late recently. Unfortuantly I hit s tough time. Has some random expenses come up. They started calling me showing up at my house threatening repossession. I told them numerous times when I will make the payment and the rude collections department refused to schedule a payment. Forcing me into giving them my debit card and running it just to prove them it would decline. I spoke with Sergio ext 3477 super nice, I told him I couldn’t make the payment they scheduled because I don’t get paid for another 2 days. He tells me to call him on Friday when I know I can’t make the payment and he will work with me, talk to his supervisor (I already knew I couldn’t make the payment on the 28th I get paid on the 1st) I told him I couldn’t I don’t get paid till the first, still he insisted I call back on Friday and not break the payment arrangement.

Well I call him on Friday the 28th mister “Nice Guy” Sergio is no longer mister “Nice Guy”. Asking me if I used that as an excuse not to pay them!? When on Wednesday I clearly told him “I couldn’t not make that payment for another 2 days after the 28th”. Refused to talk to his supervisor for me and kept telling me he was going to repo it. At that point I told him to do whatever he needed and if I still had to vehicle by the 1st I would make the payment. Asked me to tell him where the car was, told me I was breaking the law and concealing the car. I’m not going to do your job for you!!! If you would rather repo a car I have been paying on faithfully for over a year because I am late one month GO FOR IT! Finally I requested his supervisor who scheduled the payment for the 2nd (go figure!!!) in less than 2 mins.

I have had 3 other car loans before this all in good standing and paid off. I have never ever had a repo threat at 30 days late. These people are the worst people I have ever financed with and I am in the process of refinancing. Already approved! So goodbye WestLake! My advise don’t speak to the jerk Collection guys who use bullying collection tactics WHICH are illegal and just speak to the supervisors they actually know how to handle business!!! 


This report was posted on Ripoff Report on 03/31/2014 03:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Westlake-Financial-/nationwide/Westlake-Financial-Rude-Illegal-collection-Tactics-Westlake-Financial-worst-company-to-1135164. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Typical Sub-Prime attitude....

AUTHOR: Robert - ()

What a load of BS you are trying to shovel.

First of all Westlake is a Sub-Prime lender, and the only reason you would be with them is because you have trashed your credit.  Oh and sure you may have even had 3 other car loans paid off, but you are not saying what the rest of your credit is.   But saying things like you have never had a company threaten reposession for being 30 days late says that even your car loans may have not had the best history and you have been 30 days(and probably more) late. 

NOTHING you posted here shows they did anything illegal.   As said they are a sub-prime lender who deals with sub-prime borrowers.  So yes they are going to be a bit more proractive to make sure they get their money back.  They are also going to be more agressive when you are late. 

Yes, they have the legal right to reposess THEIR car for being not even a month late.  That is right until you pay off the loan it is not your car it is theirs.  As for paying it "faithfully" for a year..doesn't matter.  You don't get any "bonus points" for doing something you made a legal agrement to do.  They still have the legal right if you have made 59 of 60 payments and are late making the last payment. 

As for being refinanced...yea like we believe that. 

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