West Capital Lending Lawsuit

Why This Lawsuit Matters to Everyday People

If you’ve ever applied for a mortgage, refinance, or home equity loan, you deal with brokers and lenders. When those businesses break rules — for example, by making unwanted phone calls or misrepresenting terms — lawsuits like this can directly affect borrowers. Recoveries (settlements) can compensate people harmed, and the outcome can push lenders to behave better. So even if you’re not yet involved, the West Capital Lending lawsuit could influence how mortgages and communications are handled across the industry.

Background: What Is the West Capital Lending Lawsuit?

Who is West Capital Lending?

West Capital Lending, Inc. is a mortgage brokerage firm founded in 2016. It connects borrowers with multiple lenders and offers various loan programs. Their website and marketing suggest they operate in many U.S. states.

Because it acts as a broker (not necessarily the lender itself), disputes often arise around how aggressively it markets, communicates with consumers, or handles permissions to contact potential borrowers.

What are the claims in the lawsuit(s)?

There are multiple legal actions against West Capital Lending, mostly involving alleged violations of the Telephone Consumer Protection Act (TCPA). This federal law limits telephone calls, texts, or communications made without consent or after consent was revoked.

Some examples:

• Ingram & Johnstone v. West Capital Lending: Plaintiffs claim West Capital violated the TCPA by making unsolicited calls or texts.
• Callier v. West Capital Lending, Inc.: Filed March 2022 in the Western District of Texas; an earlier TCPA case that appears to have ended in May 2022.
• Darren MacDonald v. West Capital Lending, Inc.: Filed March 2022 in California’s Central District; also a TCPA action.
• Levison v. West Capital Lending, Inc.: Filed December 29, 2023, in the Southern District of Florida; again alleging violations under TCPA.

These actions generally assert that West Capital made phone calls or sent texts to people who either did not consent, had revoked consent, or were on do-not-call lists — violating the TCPA’s rules about automated calls, unsolicited marketing, and consumer privacy rights.

Who’s Affected / Who Can Claim

If you think you might be part of — or affected by — these claims, here’s who typically qualifies:

• Individuals who received phone calls or text messages from West Capital Lending (or its agents) without having given permission.
• Those whose phone number was on the National Do Not Call Registry, or who explicitly revoked consent but still got communications.
• People who filed a lawsuit or claim within the statute of limitations (usually two or four years, depending on state/federal rules).
• Class actions (if certified) may include many people meeting certain criteria (dates, geography, contact types).
• People who incurred costs or losses (e.g., for phone bills, unwanted messages, time spent) due to those communications.

If you received unwanted calls or texts from West Capital Lending in the past few years and did not solicit them, you might be eligible to join or bring a claim.

Timeline: Key Events

• March 2022 — Callier v. West Capital Lending, Inc. filed (TCPA).
• March 2022 — Darren MacDonald v. West Capital Lending, Inc. filed (TCPA).
• May 2022 — Callier v. case reportedly terminated.
• December 2023 — Levison v. West Capital Lending, Inc. filed in Florida, alleging TCPA violations.
• Ongoing — litigation, motions, and possibly class certification are being processed in these cases. (No public notice yet of final settlements.)

Because TCPA litigation often proceeds through certification, motions, and appeals, these cases may take years to resolve.

What’s at Stake

Here’s what’s potentially on the line in the West Capital Lending lawsuit:

• Monetary damages — Under TCPA, plaintiffs may recover statutory damages, often $500 per violation (or up to $1,500 per violation if willful or knowing) plus actual damages.
• Legal costs and attorney fees — The losing party may have to pay legal costs, making the financial exposure higher.
• Changes in communication practices — If plaintiffs win (or settle), West Capital may need to adjust how they call or text customers, tighten consent records, and reduce unsolicited messages.
• Class-wide impact — In class action settings, many people can benefit from a favorable decision, not just the named plaintiffs.
• Privacy and consumer protection — The case may affirm or reinforce how strongly the law protects you from unwanted calls.

On the flip side, West Capital Lending will argue they had consent, complied with law, or that plaintiffs lack proofs. If they win, individuals may recover nothing.

What to Watch Next / Case Update

If you’re tracking these lawsuits, here’s what to keep an eye out for:

• Motions to dismiss — West Capital may try to dismiss cases on procedural grounds (lack of standing, improper pleading).
• Class certification — In cases intending to represent many people, the court must decide whether to certify a class.
• Discovery — If the cases survive early motions, both sides will exchange documents, call logs, consent records, etc.
• Settlement proposals — Many TCPA cases settle before trial; a class settlement might be proposed.
• Court rulings or verdicts — Judges might rule on liability, damages, or class status.
• Appeals — Even favorable rulings can be appealed, delaying final resolution.

If you were contacted by West Capital Lending, monitor any notices, keep records of calls/texts and consent status, and track the dockets of the cases (Callier, MacDonald, Levison, Ingram) for class-action developments.

FAQs

Q1: Am I eligible to claim anything?
Maybe — if you got calls or texts from West Capital Lending without giving permission (or after revoking permission), you may have a TCPA claim. If invited into a class, you might be able to participate.

Q2: Do I need a lawyer?
While you can represent yourself, a lawyer experienced in TCPA or consumer protection law can help evaluate consent defenses, damages, and whether to opt into a class action.

Q3: When will the case be decided or settled?
That’s uncertain. TCPA class cases often take years: motions, class certification, trial, settlement, and appeals can stretch timelines.

Q4: What if I gave consent at some point?
Consent is a key defense. If you expressly consented to calls/texts (especially in writing), the defendant may argue the communications were lawful.

Q5: What damages can I get?
Under TCPA, you may recover $500 per violation — or up to $1,500 per violation if violations are willful. You may also seek actual damages if you can show costs (phone bills, lost time, etc.).

Q6: What if my number is on the Do Not Call list?
If your number is on the National Do Not Call Registry (and West Capital called you despite that), that strengthens your claim, as TCPA restricts calls to numbers on that list absent exceptions.

If you believe West Capital Lending called or texted you improperly, save all call logs, text records, and any communications, and consult a consumer-protection lawyer or class action notice sites. Make sure you keep your eyes on court notices in the Callier, MacDonald, Levison, and Ingram cases for class-action updates.