Auto lender · complaint record
Westlake Financial complaints
Filed under Westlake Services, LLC
Consumers have filed 14,627 complaints about Westlake Financial since 2013, 4,385 of them in the last 12 months (+38% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is incorrect information on your report. It is the 2nd most complained-about of 193 auto lenders this year.
Average response record. How it works
- Complaints on record
- 14,627
- Last 12 months
- 4,385
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 240
- Rank
- #2 of 193
Since January 2013
+38% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 12, 2026
Most complained-about auto lenders
Westlake Financial complaints by month
The busiest month was April 2026 (479 complaints). Complaints in the last 12 months are up 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Westlake Financial answered last 12 months
- Closed with explanation4,385100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+38% vs last year
What Westlake Financial complaints are about
Top Westlake Financial problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 933
- Account status incorrect 765
- Information belongs to someone else 742
- Old information reappears or never goes away 78
- Information is missing that should be on the report 61
- Personal information incorrect 32
Where Westlake Financial complaints come from
Most complaints: Florida (2,050), Texas (1,703), California (1,702), Georgia (1,635), Illinois (565).
Westlake Financial compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Santander Holdings USAAuto loans & leases | 93 | 6,568 | A |
| 2 | Westlake FinancialAuto loans & leases | 51 | 4,385 | C |
| 3 | BridgecrestAuto loans & leases | 49 | 2,363 | D |
| 4 | Hyundai Capital AmericaAuto loans & leases | 50 | 1,957 | C |
| 5 | American Credit AcceptanceAuto loans & leases | 51 | 1,335 | C |
| 6 | American Honda FinanceAuto loans & leases | 49 | 1,083 | D |
| 7 | Nissan Motor AcceptanceAuto loans & leases | 30 | 927 | F |
| 8 | Stellantis Financial Services USAuto loans & leases | 90 | 426 | A |
Compare side by side: Westlake Financial vs Santander Holdings USA · Westlake Financial vs Bridgecrest · Westlake Financial vs Hyundai Capital America · Westlake Financial vs American Credit Acceptance
What people say about Westlake Financial
All experiencesNo experiences with Westlake Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Westlake Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Nov 12, 2026 | Payday & personal loans | Can't contact lender or servicer | Explained |
| Nov 12, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 12, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 11, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Nov 11, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Nov 11, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Nov 11, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Nov 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 11, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
Questions about Westlake Financial
How many complaints does Westlake Financial have?
Westlake Financial has 14,627 complaints on record since January 2013, including 4,385 in the last 12 months and 240 in the last 30 days. That makes it number 43 of every company by complaints this year.
Does Westlake Financial respond to complaints?
Yes. Westlake Financial answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 51/100 (grade C).
What do people complain about most with Westlake Financial?
The most common problems are incorrect information on your report (2,644), repossession (1,360), managing the loan or lease (2,209).
Is Westlake Financial legit?
Westlake Financial is a real company with a public complaint record: consumers have complained about it 14,627 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Westlake Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Westlake Financial going up or down?
Up. There were 4,385 complaints in the last 12 months against 3,187 in the 12 before (+38%). See every month.
How do I file a complaint against Westlake Financial?
Complain to Westlake Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Westlake Financial complaints come from?
Most come from Florida (2,050), Texas (1,703), California (1,702). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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