- Report: #1525324
Complaint Review: Westlake Financial - Los Angeles Ca
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Author Not Confirmed
Why?
Westlake Financial
P.O. Box 76809 Los Angeles, 90054-0809 Ca, United States
Phone:
(888) 739-9192
Web:
https://myaccount.westlakefinancial.com
Categories:
Business Rating:
(0)
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Westlake Financial Caused a late fee before processing extension/deferral request Los Angeles Ca
My car payment is due on the 3rd every month. That is before the grace period for which I would be charged a late fee. I called Westlake Financial on 2/27/23 to ask if they could grant me a payment deferral or extension for my upcoming payment. I was instructed to call back after the payment was due after 3/3/23. I called back on 3/4/23 and was told that I needed to pay a $50 fee to be considered for an extension or deferral. They also added a $5 fee for using a credit/debit card, a fee for which must be paid because they offered no alternate means of processing a payment so the fee for an extension/deferral was actually $55 and not $50. Over the next 19 days I was receiving collection calls multiple times a day. On 3/24/23 I received an email from Westlake Financial that they were offering customers a payment extension, something for which I had already paid the $55 fee to do. This email was not stating I was approved for the extension but just a blanket email stating I might qualify for one if I contacted them even though I had already done so on 3/4/23. I called them and representative named Isaiah processed the request and I asked about why there was a late fee assessed because I had in good faith and before the payment was due called to apply for an extension/deferral. He said he knew nothing about that call I made on 3/4/23 and that I was responsible for the late fee. I spoke with a supervisor named Eyvine that agreed to waive the late fee as a “one time courtesy”. I asked why the extension request was not processed until after a total of 20 days and a late fee being assessed. He said the request was being processed. I don’t fall for that nonsense. Westlake Financial is intentionally waiting until the customer id past due and assessing a late fee before they are processing the extension/deferral request. It is just another way to charge customers additional fees, just like the $5 debit/credit card fee, even when the customer is contacting them in good faith before a payment goes into the late status. It is nothing more than a scam instead of helping customers who are trying to be responsible. BEWARE OF THIS THIRD RATE AUTO FINANCING COMPANY, even if it means you have to pay a higher rate somewhere else.
2 Updates & Rebuttals
Ted
Columbus,Clearly you dis not read what was in my post
#2Author of original report
Mon, March 27, 2023
As was clearly stated, regardless of Westlake Financial being a subprime lender, they were contacted well before the payment was due. They were contacted before and as the payment was due. The issue is that they did not respond after I had done what was asked of me and responded untimely AFTER a late fee was assessed. Clearly since you are not able to read I have nothing further to say to you since proper English escapes you. Take your ignorant rebuttals and responses elsewhere. If you were in the same situation financially you would have exactly the same to take issue with, just as I have. Karma has a funny way of finding spiteful and ignorant people like yourself so never stop looking over your shoulder.
United States
Please Write Back
#3Consumer Comment
Sun, March 26, 2023
Please tell us , and use as .uch space as you need, where in the contract YOU agreed to does it say they are here to help you, me or anyone else. You do know this is a BUSINESS, right? It is NOT a charity, your mother, your friend or an agency for the "needy".YOU waited until the LAST MINUTE to discuss this matter. This is a SUBPRIME lender with whom YOU were placed because YOU gave YOURSELF a reputation of NOT paying YOUR BILLS on time. Here we go again as YOU are continuing to NOT pay on time. These subprime lenders have many, many customers and the only complainers are you people who just can't stand the consequences YOU cause by not paying on time.
