This is definately the worst company that I ever came across. I finaced a car back in October 2009, and this was the finance company that the dealer picked. I did not have horrible credit, and had already recieved conformation at a Ford dealer that Ford would finance me. However, I was more worried about what car I wanted to buy, and this particular dealer had exactly what I wanted in the price range that was perfect. I had never heard of Westlakde prior to this loan, and I would definately NEVER RECOMMEND THIS COMPANY TO ANYONE, INCLUDING MY ENEMIES!!!. I had this loan for over a year, with no late payments. During that year Westlake would always call 3 t0 5 days BEFORE my payment was due, asking me if I was going to make my payment on time. WTF???? I always paid online or over the phone, and gave them no reason to wonder if the payment was going to be late. The "customer service" reps are all hispanic, rude, beligerent, and stupid. In November of 2010 I was 4 days late on my payment (I wasnt even in town) and when I got home, there was 22 messages on my answering machine, claiming to be some repo company wanting to know where my car was? It was in my driveway, where it belonged. This idiot mexican actually thought that their scare tactics worked with me. I moved to Oklahoma after I bought the car, and Mexicans arent allowed in my state. We dont have illegals here, they all get shipped back to Mexico!!! In January of 2011 my husband and I decided to pay off my loan early. I called Westlake to have them fax me a 10 day payoff letter, and they informed me that I was not entitled to receive one. NOT!!! In any state, a loan company or bank MUST provide a 10 day payoff letter as soon as one is requested, and that request only has to be verbal. THIS IS A FEDERAL BANKING LAW, and Westlake doesnt get to ignore it. After several phone calls (they kept hanging up on me) I got hold of their Title department and explained to them that I was going to file a complaint with the California Department of Justice, and amazingly enough my fax starting ringing, and I got my payoff letter. NEVER, NEVER take their word for it about how much you owe. THEY ARE REQUIRED BY LAW to put it in writing!!! I went down and wire transfered the money to them, and they stating that they would be mailing out my title in a few days. Two weeks went by, and I called the same person in Titling, and was promised that it had already been mailed out. A week later a letter from Westlake shows up (postmarked 4 days after I talked to them on the phone), and in that letter was my original contract, and a letter stating that they did not send my title because they electronically sent the information to my state DMV. So I called California Department of Motor Vehicles, and they stated that Westlake had been provided a paper title to my car, and that they were required to send it to me within 10 days of paying off the vehicle. So I called Westlake, and the rep tried to tell me that they took care of my title electronically with the State of California. I called her bullshit, and told her that I already called the California DMV, and that Westlake had my paper title, and better send it. She then tried to tell me that they electronically sent it to Oklahoma DMV. First of all, Oklahoma doesnt have a DMV, and second, Oklahoma is a little behind on the times, and doesnt do anything electronically. I explained it to her exactly like that, and she hung up on me. I tried calling them right back, and now cant dial their number from my house phone.
After looking at my paperwork a little more, I noticed that my original contract was stamped "THE WITHIN INSTRUMENT OR AGREEMENT IS PLEDGE AS COLLATERAL TO WELLS FARGO PREFERRED CAPITAL, INC." Now I know why I didnt get my title. So after some research online, I found the office that handles the Westlake account in Des Moines, Iowa. I explained to the banker that I had already paid off the car, and wanted my title immediately. He said he would call me back, as it was still 6:30am in California, and would not be able to get hold of Westlake so early. He did call me back that afternoon, and stated that he made some phone calls and I would receive my paper title in 7-10 days. I received my paper title 5 days later.
My advice to everyone...DONT USE THIS COMPANY!!! If it already to late, GET EVERYTHING IN WRITING!!! YOU HAVE NO WAY TO PROVE PHONE CONVERSATIONS UNLESS YOU ARE RECORDING THEM. By the way, if they state that they may be recording your phone call THEN RECORD IT ON YOUR END!!! IT'S PERFECTLY LEGAL, AS THEY HAVE ALREADY INFORMED YOU THAT IT MAY BE RECORDED.
And as far as all of you Westlake employess reading this...kiss my ass, some stupid illegal immigrant will NEVER outsmart me!!!

I received a bill from Westlake stating that i didn't have to make a payment for dec. but january, so i called and their automated system said the same thing that the bill said so i said maybe there was a glitch with the system so i called back and spoke to a representatuve and he told me the same thing and in january received a bill saying that i owed a thousand and some odd dollars and i called them and they said i should have used common sense and i told the representative i did use common sense that is why i called and talk to a live person so they must not have been using common sense. i told them they better be glad im not in califorina, the representative did not note what he told me and they are always calling and leaving nasty messages

westlake finanicial services are a very cold business and
they should go out of business they will call your friends
and people on your contact list and tell them your business
we need to send a letter to the white house concerning their
business practices

I have recently fallen behind on my payments, I'm still making them but I have been late, due to losing my job and having to relocate to another state so I can work. I've contacted Westlake Financial Services several times to speak with a loan counselor so I can make some kind of arrangements and to let them know what is going on. The only thing that I've been told to do is to "call back on the 1st of the month." I call on the 1st of the month, and still do not recieve any help. I am told that my payment is late and I need to pay right away! Well, I know that, that is why I am calling. The letters that I recieve from Westlake Financial gives a phone number to a loan counselor if you need help with your loan. The phone number is a fax line and I'm not able to speak to a person. Customer service is so rude! No one will let me speak to a loan counselor or willing to help or give any answers. I'm being threatened to have my car repossessed. I don't know what else to do. Westlake Financial's website is even worse. It's not user-friendly at all!! All I want to do is speak with a loan counselor and get back on track with making my payments. Why is Westlake Financial not willing to help?

This company is quite crass and unprofessional. I've been doing poor business with them since 2004 and have regretted it since...
Now I keep track of all my bills each and every month: they are 1st written out, next to the amount due, then followed by the "DUE DATE". When the bill has been paid, it is noted, along with the date paid in red ink- every bill is written out the EXACT same way. So ofcourse I find it hard to believe that I have over $200 in LATE FEES that I have no recollection about whatsoever! In 2007 I fell upon economic hardship and was unable to make a payment in July; Because of that I double my payment the very next month. Later in 2007 I received a call stating that I was given a "one-time" chance to pay up any LATE FEES and get myself caught up. I thought about it, and jumped at the opportunity. Now in January 2008 I relocated from LA to Georgia, when they found out that I no longer resided in LA county they threatened to REPO my car if I didn't disclose my new address to them. Then suddenly added some FEES for what they called "LATE FEES" namimg dates I had paid late from 2005 (but paid late fees for back then) and for leaving the state without their permission. They even began calling my listed references and old employer(what they had on file) asking my whereabouts and telling them that I "am behind on car payments and am hiding my car so that is does not get repossessed"... What? Shortly after that I decided I had enough and signed up for online banking(to ensure they received their payments on time) AND started asking for and noting my PAYOFF BALANCE each month. It is now Novemver, according to my calculations this month is my last car note, so if comes as a total surprise to me when they tell me my PAYOFF BALANCE is $1000 more than what it should be. And what was their main defense?... According to Westlake I am 1 whole month behind due to a missed payment in July 2007 and I have a REPO fee on my account. I wonder how is that when my car was NEVER repo'd or out of MY possession not 1 time!? These people are ridiculous and I've decided to find as much as I can about then becuz they are well in breach of their LEGAL rights. And I believe a CLASS ACTION LAW SUIT in well overdue...