Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Western Funding, Inc.
  P.O. Box 76814 
  *********************
  
  

  Customer Answer

  Date: 05/28/2025

  I currently have an auto loan with Western Funding. Acting as a debt collector their company and an affiliated company have called me thirteen times in the past five days, ten of the calls occurring within the last 2 days.

  Business Response

  Date: 06/02/2025

  Please see attached.

  Customer Answer

  Date: 06/03/2025

   
  Complaint: 23387153
  
  I am rejecting this response because this is the same exact response that they provided to the cfpb. Western Financial has violated the fair debt collection practices act. This not the first time and they have been doing it for months. 
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 06/03/2025

  Hello,

   

  Your complaint for the **** and the BBB are the same therefore the responses would be the same for both.

• Initial Complaint

  Date:05/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 15th I called and asked from the representative to process my monthly payment. On May 20th I received an email that my account is 30 days past due. I called immediately and made a payment through the same checking account they I have been using with the force past 3 yrs. Thereafter I called them and informed them that my checking account which I gave to them for billing is closed and paid them,on the same date, with my debit card. I received a receipt for my payment and went on with my life. Payment got cleared and they said theyll cancel the **** But today I received a call saying western funding is still posting against my closed *** **** account. I called ***************************************** and for 30 minutes asked for help and resolution and they said no, they will simply refund me and report my account as negative. I do not want a refund, all I want is the stoppal of the *** and for them stop negatively affecting my credit score.

  Business Response

  Date: 05/29/2025

  Please see the attached response.
  
  

• Initial Complaint

  Date:05/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased a vehicle for ********* financed it during in 12/ 22 for a whole yr my balance went dw 300$ it was repossessed twice and each time I hade to bring it up to date. The balance never went down I began to see a pattern as soon as one payment was missed even if I communicated that the payment would be late the came and repossessed the vehicle until the last time they wanted the full amount which was still 10 grand now I'm being summoned to go to court for the full amount? I have no proof of what the sale price was for I feel used and abused please help me

  Business Response

  Date: 05/29/2025

  Please see attached.

• Initial Complaint

  Date:05/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Western funding **** I do not have a contract with Western funding *** they did not me with original contract as I requested.

  Business Response

  Date: 05/29/2025

  Please see the attached response.
  
  

• Initial Complaint

  Date:05/08/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  3/22/25 I financed a vehicle through western funding and i was late on the first payment. my payments were $234 a month so i called and they told me i could make a payment, what they didn't tell me was the car was already being repossessed so they let me make a $800 payment then the next day took the car. it's been over ************************************************ I have to get the refund from the dealership even though I paid them. It's Absolutely Ridiculous.

  Business Response

  Date: 05/08/2025

  Please see the attached response.
  
  

  Customer Answer

  Date: 05/27/2025

  why did you close my complaint? 

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to express my ongoing frustration regarding the way my payments have been applied to my account. For several months, I have attempted to pay off the late charge and past due fees, but no option has been made available to direct payments toward those specific charges. Every time I call, I request that my payment be applied to the late charge, and I have even emailed without receiving a response.On May 4th, 2025, I made a payment of $262.00, and I am requesting that this amount be applied to the late charge of $239.16 and past due fees of $22.82, totaling $261.98. That is what this payment was made ****** of the last statement on April 26th, 2025, my balance was $807.35. Once the $262.00 payment posts, the balance should be $545.35. I will make my next payment of $272.82 on May 16th, which will bring the balance to $272.53. The final payment of $272.53 will be made on June 16th, 2025, to fully satisfy the account.

  Business Response

  Date: 05/06/2025

  Please see the attached response.
  
  

  Customer Answer

  Date: 05/07/2025

  This letter is in reference to the mishandling and misallocation of payments on my Western Funding account, and to formally respond to the inadequate reply previously issued. The issues raised in my original complaint remain unresolved, and I am demanding a complete and immediate resolution.
  As of the last account statement dated April 26, 2025, the balance was $807.35. On May 4, 2025, I made a payment of $262.00 which was specifically intended to cover the $239.16 late charge and the $22.82 past due fee, totaling $261.98. This intent has been clearly communicated via calls and emails, yet the allocation has not been honored. Accordingly, the account should now reflect a balance of $545.35.
  My payment plan remains as follows:
  May 16, 2025: $272.82
  June 16, 2025: $272.53
  These payments, when applied correctly, will fully satisfy the account. I am requesting a clear, itemized breakdown of the account showing:
  All recent transactions, including the May 4 payment,
  Updated remaining balance as of May 4, 2025,
  The dates and amounts of the two remaining payments,
  Elimination of all late fees or additional charges, as I have made repeated attempts to pay those amounts.
  Despite these efforts, late charges continue to appear. As of today, the late charge remains $239.16, and the past due fee has increased from $22.82 to $33.64. I will not accept or be responsible for this increase, which appears to be a deliberate and deceptive business practice. I have made multiple attempts to resolve the issue, and the continued increase in feesdespite clear efforts to pay themdemonstrates intentional neglect and unfair treatment.
  Additionally, the account information presented to me is fragmented. It displays a "late fee," "fee due," and various balances in a manner that is not clearly itemized or easy to reconcile. This lack of transparency makes it difficult to understand how payments are applied or how fees are calculated, and it fails to meet reasonable standards of clarity and fairness.
  Prior representations stated that payments could not be directed toward fees; however, the current payment portal now includes an option to apply payments directly to late fees. This directly contradicts previous claims made by Western Funding representatives. Moreover, I have repeatedly requested that funds be allocated specifically toward the late fee, and the companys refusal to do sowhile now providing a payment option to apply funds toward that exact purposefurther underscores the contradiction and lack of consistency in account management practices.
  I also request confirmation that certified funds must be used for the June 16 payment to ensure that the vehicle title is released within 10 business days. This needs to be explicitly confirmed in writing with a clear title release timeline.
  Furthermore, Western Funding is instructed to cease adding late fees to the account moving forward, as I have been attempting to resolve the matter for months and have been repeatedly ignored. Any continued accrual of fees will be taken as further evidence of bad faith conduct.
  Should this matter not be resolved in full, I will consider any generic or incomplete responses as a failure to respond, and I will proceed with escalation. This includes:
  Filing a formal complaint with the ************************************ (****),
  Submitting reports to the ************************* **************************** and the ************************ (***),
  Consulting with a consumer rights attorney to explore violations of federal law,
  And initiating legal proceedings in small claims court, if necessary. This letter does not constitute a waiver of any legal rights, claims, or remedies to which I am entitled.
  I expect a full, detailed response that addresses each concern, provides a current and accurate account breakdown, and confirms that all future payments will be allocated as specified. Failure to provide such a response will result in immediate further action.
  Sincerely,
  ***** ********

  Customer Answer

  Date: 05/07/2025

  To clarify, by confirmation, I am requesting that Western Funding provide a copy of the written policy that states certified funds are required for timely title release.

  To date, I have not received any documentation outlining this condition, and your failure to disclose it in advance raises additional concerns. I also request a copy of your full payment allocation policy, including any provisions related to directing payments toward fees, and that clearly states that Western Funding cannot allocate funds to late charges at the consumer's request.

  Business Response

  Date: 05/08/2025

  Please see the attached response.
  
  

  Customer Answer

  Date: 05/12/2025

  Complaint: 23289515
  
  I am rejecting Western Funding's Business Response because it does not resolve the central issues of misapplied payments and inconsistent account practices that I have repeatedly raised.

  1. Certified Funds and Title Release

  Please confirm in writing that once the June 16th payment is made with certified funds, the vehicle title will be released within 10 business days, as per your stated policy. I request this confirmation to be documented clearly, along with the anticipated title release date.

  2. Payment Allocation Policy

  You cannot reasonably maintain that payments must be applied to the principal balance first when your payment portal now offers an option to apply funds directly toward fees. This proves that Western Funding has the technical ability to allocate payments directly to late charges. Prior to the addition of this feature, customers could not make payments toward late chargeseven when explicitly requestedas I have and still am personally experiencing when your company repeatedly refused to allocate my funds accordingly. Even now, I am actively requesting through the Better Business Bureau that my recent payment be applied to the outstanding late fee, and your company is still refusing to honor that request. Previously, you claimed payments were applied to the principal to minimize interest, but that reasoning has not applied to my account since February 24, 2025 as it has been on a Mature Payment Plan since then, with no interest accruing since that date well before my May 4 payment. Despite this, Western Funding has repeatedly ignored my explicit requestsmade through calls and emailsto apply payments to late fees.

  In your response through the Better Business Bureau, you admitted there is no reason for not applying my payment to the fees other than consistency. This means you are willfully refusing to honor my payment instructions despite now having the system functionality to do so and despite lacking any valid financial justification. That is not consistencyit is obstruction. Meanwhile, the late fee has continued to increasefrom $22.82 to $36.64even though I have repeatedly attempted to pay it. This appears to be a deliberate effort to inflate charges unfairly and prevent resolution. 
  I am demanding immediate written confirmation that the May 4 payment has been reallocated to cover the $239.16 late charge and $22.82 past due fee as intended, and that the associated balance has been adjusted accordingly. Any continued refusal to do so will be taken as bad faith and will prompt formal escalation.

  3. Outstanding Requests

  As previously stated, I expect the following without further delay:

  -A current, itemized breakdown of the account reflecting all transactions up to and including the May 4 payment

  -An updated remaining balance as of May 4

  -Confirmation that my payment plan of $272.82 on May 16 and $272.53 on June 16 will fully satisfy the account

  -Immediate removal of any additional late fees or charges applied after May 4,

  -Written assurance that no further late fees will be added, as I have made documented, repeated efforts to address this issue in good faith.

  4. Final Notice Before Escalation

  If these matters are not resolved in full and documented with clarity and transparency, I will move forward with the actions outlined in my previous letter. This includes reporting the issue to the ************************************, the ******************************************************, and the ************************, as well as exploring legal recourse through small claims court.
  

  To be clear, this situation is not merely about internal policyit is about accurate accounting, fair dealing, and honoring clearly communicated payment instructions. A failure to acknowledge and correct these errors will be treated as willful negligence.
  I request a full and complete response within 5 business days.

  ***** *.
  
  

  
  

  Business Response

  Date: 05/13/2025

  While we are not legally required to provide internal policy documents, we are committed to transparency and are happy to explain how our policies affect your account and title release process.
  1. Certified Funds and Title Release
  Our practice regarding title release is designed to ensure payment verification and protect all parties involved. When a final payment is made using non-certified funds (such as ACH, debit card, or personal check), the title release may be delayed for up to 61 days to allow for full clearance. In contrast, certified funds (such as a cashiers check or MoneyGram) typically result in title release within 10 business days. This timeline is based on our internal risk management procedures.
  2. Payment Allocation Policy
  Payments are applied first to the remaining principal balance. Once the principal is satisfied, any additional payments are then applied to outstanding fees, including late charges. While we understand you may wish to direct payments toward specific charges, our system is designed to prioritize principal reduction as part of our standard allocation process to help minimize interest accrual. However, since your account is currently under a mature payment plan and no longer accruing interest, this prioritization is no longer driven by interest minimization. Instead, payments continue to follow the established allocation sequence to ensure consistency and compliance with our servicing guidelines.

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23289515
  
  I am rejecting this response because Western Funding did not address or respond to the specific and documented issues outlined in my prior statement. Instead, they submitted the same PDF response previously provided on May 8, without any updates or acknowledgment of the concerns raised. This demonstrates a lack of good faith effort to resolve the matter. I will be escalating this complaint as outlined in my prior communication.

  
  ***** M

  Business Response

  Date: 05/14/2025

  Please see the attached response.
  
  

  Customer Answer

  Date: 05/15/2025

   
  Complaint: 23289515
  
  I am rejecting Western Fundings response because it continues to evade the core issues I have raised. Despite my repeated efforts to resolve this matter in good faith, my account remains inaccurately marked as past due, and additional fees have been addedeven after multiple documented attempts to pay them. Western Funding has the technical ability to allocate payments toward late fees, yet refuses to do so without justification.
  

  Western Funding states:
  We also addressed your inquiry about how payments are applied to your account. Our system prioritizes principal balance reduction before applying funds to fees, which is consistent with our servicing guidelines and designed to benefit customers by minimizing interest (when applicable).
  

  This explanation is completely inapplicable to my account. Since February 2025, my account has been on a Mature Payment Plan where no interest accrues. Their justification that payments must prioritize principal to minimize interest is therefore baseless and contradicts the actual status of my account. This exposes  Western Funding for having no justification for refusing to apply my payments toward late fees. Yet, despite this, they continue to refuse payment application toward fees and and continue to increase fees, which is a clear demonstration of bad faith, unfair business practices, and a complete lack of transparency in how they allocate payments.
  

  Furthermore, I am making a scheduled payment of $272.82 on May 16, 2025, followed by a final payment of $272.53 with "certified funds" on June 16, 2025, which will fully satisfy the account. Per ****************************************** own policy, the vehicle title should be released within 10 business days of receiving those "certified funds" on June 16, 2025. However, the company has failed to confirm this in writing. They have also not provided me with an updated, itemized balance, further proving their unwillingness to provide clear and transparent communication necessary to bring this account to a close. This ongoing behavior reflects a pattern of bad faith and obstruction rather than resolution.
  

  Due to the continued lack of clarity, failure to update my account accurately, and the ongoing addition of fees despite my repeated attempts to pay, I will now formally escalate this matter. I am filing complaints with the ******************************************************, the ************************************, and the *************************

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The car that Western Funding financed died on me at the beginning of the month. I have spoken to multiple people at the company that have said I was offered a deferrel until this month. I have accepted the offer on at least 3 separate occasions. This was supposed to make it so that no money was due until this month in yet they still continue to call from random numbers to harass me about payment. At this point I am done with Western Funding. The car has been totaled so you can go repo it if you want... there is nothing left of it! I asked them as I was junking the car if they wanted it, they refused. I just asked for a month of space to get back to work and they refused to give me enough time to get back on my feet so at this point I refuse to give them another dime. They are no longer to contact me at ************. If I receive another phone call from them I will be contacting the police. Sorry Western Funding, you did it to yourself. I was never late on payments but you have driven me to be sick of your c***

  Business Response

  Date: 05/13/2025

  Please see attached.

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I owe 2300 on the car and it's coming back worth only 500 I can't sell trade or refinance a new loan on a new car Because it's to much faulty stuff. I want to see about them giving me a better pay off quote I've been faithfully paid up for 2 yrs ... The dealership should of never sold it or passed the inspection for 2023.

  Business Response

  Date: 05/06/2025

  Please see attached.

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company refuses to send me the title to a car that they financed and I paid off the loan. I was finally told after several phone calls and attempts to reach what was referred to as their ******************** I never got that far, probably doesn't exists) that it was not their responsibility to give me the title. that I have to take off work and go to the *** to file paperwork and then after that I may receive the title. This in my mind is thief. The car is worthless without a title. I'm not even asking for the money that I could have gotten for selling the car if I had the title. Just the title for the car that I own. I guess i don't actually own anything since i don't have the title

  Business Response

  Date: 05/08/2025

  Please see the attached response.

• Initial Complaint

  Date:04/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went through my credit karma account to do a dispute on the accuracy of my western fund account upon checking my credit karma account. It seems that my account with ****************** fund hadnt been updated for least three months.Western fund eventually updated the months. And then a months later, put a comment that dropped my credit score over 50 points saying that I am not claiming the account. I never disputed the account belonging to me. Ive paid my car note on time for as long as *** had that loan. I this is complete retaliation for me attempting to get my account updated. This is now going to affect me refinancing my house.

  Business Response

  Date: 04/23/2025

  Please see attached.