Vehicle loans and leases
Westlake Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 583
- Closed with money back
- 0%
- 2023 to 2025
- 183 to 235
Servicemembers filed 7.7% of Westlake Services's 7,584 complaints in the window, against 2.5% across the directory. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Managing the loan or lease". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 183 in 2023 to 235 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 277 |
| Credit reporting or other personal consumer reports | 154 |
| Debt collection | 95 |
| Credit reporting, credit repair services, or other personal consumer reports | 35 |
| Payday loan, title loan, personal loan, or advance loan | 16 |
By issue
| Managing the loan or lease | 100 |
| Incorrect information on your report | 92 |
| Improper use of your report | 78 |
| Repossession | 70 |
| Problems at the end of the loan or lease | 37 |
| 2023: 183 | 2024: 165 | 2025: 235 |
Which accounts, specifically
| Loan | 257 |
| Credit reporting | 194 |
| Auto debt | 69 |
| Lease | 39 |
| I do not know | 20 |
What went wrong, specifically
| Account information incorrect | 59 |
| Credit inquiries on your report that you don't recognize | 43 |
| Reporting company used your report improperly | 37 |
| Billing problem | 29 |
| Unable to receive car title or other problem after the loan is paid off | 24 |
Busiest month: August 2023, with 39 servicemember complaints. Most were submitted by web.
Most complaints came from GA (92), TX (74), FL (57) , then CA, NC, AL.
How Westlake Services answered
| Closed with explanation | 583 | 100% |
Westlake Services responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (240). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Improper use of your report. WY, 2024-08-28. Outcome: Closed with explanation. Complaint 9949953
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Credit reporting or other personal consumer reports; Incorrect information on your report. WY, 2024-08-23. Outcome: Closed with explanation. Complaint 9903588
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-08-21. Outcome: Closed with explanation. Complaint 9859000
If this is your problem at Westlake Services
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Westlake Financial SCRA: 6% Cap and Its DOJ Record.
Compare with vehicle loans and leases peers
- Credit Acceptance 501 servicemember complaints; 8% with money back
- Santander 789 servicemember complaints; 2% with money back
- Bridgecrest Acceptance 366 servicemember complaints; 0% with money back
- Exeter Finance 361 servicemember complaints; 0% with money back
- Ally Financial 1,023 servicemember complaints; 3% with money back
Next in the directory by volume: Fidelity National Information Services, Inc. (Fnis), Military Star card (AAFES), Kriya Capital.
Frequently asked questions
How many complaints did servicemembers file against Westlake Services?
583 complaints tagged servicemember were received by the CFPB about Westlake Services, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 183 in 2023 to 235 in 2025.
What do servicemembers complain about most at Westlake Services?
Vehicle loan or lease accounts for 277 of the 583 complaints, and the most common issue is "Managing the loan or lease" (100). Next: "Incorrect information on your report" (92).
Does Westlake Services give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 583 closed with an explanation only. Westlake Services answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.