The most important thing to know about Westlake Portfolio Management is that it services auto loans, so the calls you are getting are usually about a car loan that was transferred to the company, and your rights center on repossession, credit reporting, and the calls themselves. Westlake Portfolio Management, part of the Westlake auto-finance group, takes over servicing on vehicle loans and then collects the payments, which means the harassment often starts right after a messy transfer that left your account in limbo.
This article explains who Westlake Portfolio Management is, why servicing transfers cause so many problems, what your rights are on a car loan, and the exact steps to stop the harassment and protect your vehicle. Every section leads with the answer so you can act quickly.
Who Is Westlake Portfolio Management?
Westlake Portfolio Management, LLC is an auto-loan servicing company based in Los Angeles and part of the Westlake Financial group, one of the largest players in subprime auto lending. Rather than originate every loan it collects, Westlake Portfolio Management frequently takes over servicing on vehicle loans that were transferred to it from another lender, then handles the billing, the payments, the credit reporting, and the collections on those accounts.
Here is what the record shows about the company:
- Company name: Westlake Portfolio Management, LLC
- Location: Los Angeles, California
- Affiliation: Part of the Westlake auto-finance group
- Business type: Auto-loan servicer, listed by the BBB under collection systems
- Website: wpmservicing.com
- BBB status: Not accredited, with more than 450 complaints closed in a recent three-year period
The label to remember is auto-loan servicer, because a servicer sits in a gray area of the law. Whether the full weight of the federal Fair Debt Collection Practices Act applies to Westlake Portfolio Management depends on whether your loan was already in default when the company took it over, a distinction we explain below.
Why Is Westlake Portfolio Management Contacting You?
Westlake Portfolio Management is contacting you because it now services your auto loan and believes a payment is due, usually after your loan was transferred to it from your original lender. When servicing on a car loan moves to a new company, that company takes over collecting the payments, and if anything went wrong in the handoff, the calls can start even when you have done nothing wrong.
The situations that most often trigger these calls include:
- A car loan that was recently transferred to Westlake Portfolio Management for servicing
- A missed or late auto-loan payment
- A payment that was made but not properly posted during a transfer
- An account the company acquired after it had already gone into default
- A deficiency balance left after a vehicle was repossessed and sold
The key point is that a call from Westlake Portfolio Management does not prove the amount, the due date, or even the account details are correct. As the complaint record below shows, transfers to this company have repeatedly left consumers with unposted payments, missing titles, and accounts the company could not locate, so the balance it is demanding is worth verifying before you pay. Our page on vehicle loans explains how auto-loan servicing and collection work.
The Rule That Shapes Your Rights: Servicer Versus Debt Collector
Whether the federal Fair Debt Collection Practices Act fully applies to Westlake Portfolio Management depends on when it took over your loan, and that single fact shapes your rights. As a general rule, a loan servicer is not treated as a debt collector under the FDCPA if it began servicing your loan while the loan was current. If, however, your loan was already in default when Westlake Portfolio Management acquired or began servicing it, the FDCPA can apply in full.
That distinction matters, and here is how to think about it:
- If your loan was current at transfer, the FDCPA may not govern Westlake Portfolio Management directly, but the TCPA, the FCRA, and state law still protect you.
- If your loan was in default at transfer, the FDCPA likely applies, and you gain its full protections against harassment and its right to demand validation. Our FDCPA page explains who the law covers.
- The BBB lists the company under collection systems, which reflects how much of its activity is collecting on transferred and defaulted accounts, so the FDCPA question is worth pinning down in your case.
Regardless of which side of that line your loan falls on, two laws always apply: the Telephone Consumer Protection Act governs the calls, and the Fair Credit Reporting Act governs how the company reports your loan. Both are covered below.
The Servicing-Transfer Trap: Why the Problems Start
The most common source of Westlake Portfolio Management harassment is a botched servicing transfer, in which your loan moves to the company but your payments, records, or title do not follow cleanly. When servicing changes hands, payments can go unposted, accounts can fail to onboard, and consumers can be left unable to reach anyone, all while the calls and credit damage continue.
The company’s own complaint record documents exactly this pattern, drawn from its BBB complaints page:
- Accounts that never onboarded. In a complaint dated August 2026, a consumer said their auto loan was transferred to Westlake Portfolio Management, but the company reported that “my account cannot be found in their system, my file has not been onboarded,” leaving the consumer unable to get a payoff letter.
- Payments made but not honored. In a complaint dated April 2025, a borrower who paid off a spouse’s vehicle said the company claimed insufficient funds after a representative entered the “wrong account number,” then demanded return-check fees and added to the balance, even though the bank confirmed no payment had ever been requested from it.
- Titles never delivered. In a complaint dated April 2026, a consumer whose loan transferred to the company said they had paid the loan off in 2022 and “never received my vehicle title,” and were then “given a discontinued number” with “no records of my account are accessible.”
If your problems with Westlake Portfolio Management began right after a transfer, you are not imagining it, and you are not alone. That pattern is central to how disputes with this company arise, and it strengthens your position to demand that the company prove the account and the balance in writing.
What the Court and Government Record Shows
Westlake Portfolio Management and its affiliated Westlake companies have faced both consumer litigation and federal enforcement, and the record points to credit reporting and repossession as recurring problems. Because we cite only verifiable matters, here are documented examples.
In Pritchett v. Westlake Portfolio Management, LLC, filed in the United States District Court for the Northern District of Alabama, a consumer brought a claim under the Fair Credit Reporting Act over Westlake Portfolio Management’s handling of credit reporting on an auto loan, and the court addressed when the FCRA’s limitations period begins to run. The docket is available through CourtListener. The case confirms that consumers have pursued this company directly under the credit reporting laws.
On the repossession side, the affiliated Westlake auto-finance operation drew a federal enforcement action. In United States v. Westlake Services LLC, the U.S. Department of Justice alleged that Westlake Services and a subsidiary violated the Servicemembers Civil Relief Act by repossessing vehicles without court orders and denying servicemembers required interest-rate benefits. According to the DOJ, roughly 70 servicemembers had their vehicles illegally repossessed between 2011 and 2016, and the company paid a total of more than $885,000 plus civil penalties, as documented by the Department of Justice. To be clear, that action named Westlake Services rather than Westlake Portfolio Management specifically, but it involved the same auto-finance operation, and it shows why repossession conduct in this corporate family deserves scrutiny.
Is the Harassment Legal? Your Rights on an Auto Loan
Persistent or automated calls from Westlake Portfolio Management can be unlawful, and you have strong rights on a car loan even where the FDCPA does not directly apply. The protections come from a mix of federal and state laws built for exactly this situation.
Here is what applies:
- Automated calls to your cell without consent. Under the TCPA, autodialed or prerecorded calls to your mobile without consent can carry damages of $500 per call, and up to $1,500 for a willful violation, and you can revoke consent at any time. Our TCPA page explains how.
- Accurate credit reporting. Under the FCRA, if the company reports your auto loan inaccurately, including a balance inflated by a transfer error, you can dispute it and require an investigation. Our credit report dispute guide shows how.
- Lawful repossession only. State law governs how and when a vehicle can be repossessed, generally barring a repossession that breaches the peace, and servicemembers have added protections against repossession without a court order, as the Westlake enforcement action shows.
- Honest collection. Threats the company cannot lawfully carry out, or demands for fees you do not owe, can violate state consumer-protection law.
So when a representative insists the calls and the fees are legal, the accurate answer is that you are protected through the TCPA, the FCRA, state repossession law, and, where your loan was in default at transfer, the FDCPA. Our unfair collection practices page covers conduct that crosses the line.
Protect Your Car: Repossession and Deficiency Balances
The highest-stakes part of any Westlake Portfolio Management dispute is your vehicle, because an auto-loan servicer can pursue repossession, and after a sale it can chase you for a deficiency balance. Knowing the rules here protects both your car and your wallet.
Keep these points in mind:
- Repossession has legal limits. In most states a lender can repossess after default without going to court, but it cannot breach the peace, for example by using force or removing a vehicle over your objection, and a repossession that violates those limits can be wrongful.
- A deficiency balance must be handled correctly. If your car is repossessed and sold for less than you owe, the company may seek the difference, but it generally must sell the vehicle in a commercially reasonable way and credit you properly, and errors here can reduce or eliminate what you owe.
- Servicemembers have extra protection. Active-duty servicemembers are shielded from repossession without a court order, the exact protection at issue in the Westlake enforcement action.
- If sued for a deficiency, respond. A deficiency lawsuit still requires the company to prove its numbers. Our guide on what to do if a collection agency sues you walks through the steps.
If repossession has been threatened or has already happened, treat it as urgent and get the paperwork reviewed, because the details of how it was done often determine what you actually owe.
Verify the Transfer and the Balance Before You Pay
Verification is your first move with a transferred auto loan, because the balance Westlake Portfolio Management is demanding may reflect a handoff error rather than what you actually owe. When servicing changes hands, the safest assumption is that something may not have carried over cleanly, so make the company reconcile the account before you pay a disputed cent.
Work through this checklist:
- Get the transfer date and the pre-transfer balance. Pin down exactly when the loan moved and what you owed at that moment, then compare it to what the company now claims.
- Demand the full payment history. Ask for every payment credited since the transfer, so any unposted or misapplied payment shows up on paper.
- Confirm whether the loan was in default at transfer. This decides whether the FDCPA applies, and if the company bought a defaulted account rather than simply servicing a current one, treat it like any other purchased debt. Our page on what a debt buyer is explains the difference.
- Check the age of any deficiency. If the company is chasing a balance left after a repossession, a state statute of limitations may bar a lawsuit on it. Our statute of limitations by state page helps you check.
- Never pay a disputed fee under pressure. Return-check fees or added charges tied to the company’s own error, like a wrong account number, are worth challenging, not paying.
If you cannot tell whether the balance or the fees are legitimate, sorting that out is exactly what a free case review is for.
How to Stop the Calls and Fix the Account
The most effective response is to demand the account details in writing, revoke consent to automated calls, and document everything, because a transfer dispute is won on paper. Given how often these problems trace back to a bad handoff, your written record is what forces the company to reconcile the account.
Follow this sequence:
- Demand the full account record in writing. Ask for the payoff amount, the complete payment history since the transfer, and proof of the balance, so any unposted payments or errors surface. If the loan was in default at transfer, use your FDCPA validation right, and our debt validation letter guide shows how.
- Revoke consent to automated calls in writing. State that you withdraw consent for Westlake Portfolio Management to call your cell using automated or prerecorded technology, and keep a dated copy.
- Log every call. Record the date, time, number, and whether the call was automated or a live agent, and save voicemails. Our harassing phone numbers page explains why capturing each number helps.
- Dispute credit reporting errors. If a transfer error, a misapplied payment, or a wrongful late mark is on your credit file, dispute it with the company and the bureaus, as the Pritchett case shows consumers have done.
- Report and get help. File with the FTC, report unwanted calls to the FCC, and notify your state attorney general, since state regulators oversee auto lenders and repossession. The FTC’s consumer protection work is at ftc.gov. If the calls continue or repossession is threatened, a consumer rights attorney can step in.
Can You Sue Westlake Portfolio Management?
Yes, depending on the conduct you can bring the company into court under the TCPA, the FCRA, state repossession law, or the FDCPA where it governs, and consumers have already done so. Your own facts, the calls, the transfer, the repossession, decide the result, so read this as the shape of things rather than a promise.
The TCPA values each autodialed or prerecorded call to your cell without consent at $500, rising to $1,500 for a willful one, a total that climbs fast across weeks of collection calls. The FCRA lets you recover where the company misreported your loan and failed to fix it after a proper dispute, precisely the territory of the Pritchett case. State law adds its own remedies where a vehicle was repossessed unlawfully or a deficiency was mishandled.
The part that surprises people is what pursuing a claim costs, which is nothing to begin. These laws put the legal bill on the company when it loses, so we work on contingency, and if Westlake Portfolio Management is at fault, its side covers our fee. Our how we work page explains it.
Consumer Rights Law Firm, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Westlake Portfolio Management harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Westlake Portfolio Management. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- Scott and Derek did the impossible. I went from freaked out and terrified to settled in a matter of 2 days at a payment I could actually afford… Barely but I can afford it LOL. My best advice is to not mess up a loan but if you do these are the guys to contact.
- I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
- The team was great – I had an erroneous late payment out on my credit and the team had it removed quickly and easily. They were awesome, and I highly recommend!
Frequently Asked Questions
Is Westlake Portfolio Management a collector or a servicer?
It services auto loans, yet the FDCPA can still reach it if it took your loan over while the account was already in default. The BBB lists it under collection systems.
Why is it contacting me?
Because it now services your car loan, usually after a transfer from your original lender, and believes a payment is due. Confirm the balance before you pay.
A payment vanished after the transfer. What now?
Ask for the complete payment history in writing and dispute the error, since lost payments after a transfer are a documented problem with this company.
Can it repossess my car?
On a defaulted auto loan a lender can generally repossess without a court order, but it cannot breach the peace, and active-duty servicemembers have added protection.
My auto loan is being reported wrong. Can that be fixed?
Yes. The FCRA lets you dispute the entry and force an investigation, the kind of claim raised in the Pritchett case.
I paid off the loan but never got my title. What do I do?
Demand the title and the payoff record in writing, since missing-title complaints after a transfer recur with this company.
Can it robocall my cell phone?
Not without your consent, and you can revoke it. Automated calls that continue afterward may violate the TCPA.
Does a lawyer cost me anything to start?
No. These are contingency cases, so a company found in the wrong pays the fees, not you.
