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  • Report: #811873

Complaint Review: Westlake Financial

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  • Submitted: Tue, December 20, 2011
  • Updated: Tue, December 20, 2011

  • Reported By: Lacrosse Mom — Los Angeles California USA
Westlake Financial
Los Angeles, CA Los Angeles, California United States of America

Westlake Financial Calles at least 8 times a day, violates Fair Credit Collections Act. Threatens to repo car when I already paid! Uses fake cell phone number. Los Angeles, California

*Consumer Comment: Correct Terms

*Consumer Comment: Fair credit reporting act

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 Don't ever use these jerks! You are better off with a Buy Here Pay Here or just saving up and paying cash!

This report was posted on Ripoff Report on 12/20/2011 12:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/Westlake-Financial/Los-Angeles-California-/Westlake-Financial-Calles-at-least-8-times-a-day-violates-Fair-Credit-Collections-Act-T-811873. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
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#1 Consumer Comment

Correct Terms

AUTHOR: Robert - (U.S.A.)

The Fair Credit Reporting Act(FCRA) is the set of regulations that companies that posts information on your credit report must follow.  It does not matter if they are the original creditor or a 3rd party collection agency.

The Fair Debt Collection Practices Act(FDCPA) is the set of regulations that apply to 3rd Party Collection Agencies as to the actions they can and can not take in attempting to collect a debt.  If the company is the Original Creditor they are not bound by the FDCPA but are still bound by the FCRA, however some states have laws similar to the FDCPA that extends to Original Creditors.

Unfortunately since the OP was less than forthcoming with any details it is impossible to know what laws they think were being violated and why.
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#2 Consumer Comment

Fair credit reporting act

AUTHOR: Ashley - (U.S.A.)

If these people are your original creditor then the fair credit act does not apply to them. The rule that they can only call you once per day applies to collection agencies, not to original creditors. Since you are their direct customer, they can legally call you. Why not just pay your bills?
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