Had an auto loan through Westfield from 2010 - 2016 and gave a fair rate and were easy to work with. Never had any issues when I asked for things like a changed payment date or whatnot. Was happy until after the last payment I called for the title and they informed me I had a $40 late fee on a late payment from 14 months earlier. First they had never notified me of it previously. Second they were auto-deducting from my checking account from day one so I am unclear as to how I am charged a late fee if they did not withdraw the money I authorized them to on time. A sheisty way to end what I thought was a good six year relationship. Enjoy that late fee because it cost you a customer for life!