Consumer complaint received 2017-03-22
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My husband and I went on a vacation to the XXXX XXXX to XXXX XXXX XXXX, XX/XX/2017. We had a vacation club plan through them and this was our third visit. While there we there we inquired about renting a golf cart since I have mobility issues and thought that a cart would help me get around. They told us they did not rent golf carts. They told us that if we upgraded our membership that we could get a golf cart every time we came back. We agreed to let them show us around and discuss the upgrade. 4 hours later we were being held hostage in their sales office with a contract in front of us for the upgrade. I clearly told them that I did not want to sign any contract today, that we needed to check our finances to see if we would be able to pay the fees associated with any additional debt. They told me and showed me a line in their booklet that said I had 4 days to cancel the contract. They said that if we were not comfortable with the upgrade to come back before the 4 days were up and we could cancel. I reluctantly signed the contract. We went back to our room and were discussing our finances, checked our bank situation and decided that we were not able to afford this right now. We decided to go back the very next day and cancel the contract. When we did this we were told that instead of {$10000.00} charge for the upgrade that we would incur a {$6600.00} charge, plus " other fees '' to cancel. We started disputing with them about being lied to and misrepresented. They, of course did not see it that way, and denied the accusations. I said that I wanted to warn other tourists to read every word of these contracts before signing with them. I was then told that if I talked to anyone other tourists in the resort about this " You and your husband will be escorted off of our property with our belongings. You will no longer be allowed to remain inside the resort. '' This was day 2 of an 8 day stay. We had no idea where we were on this island. We were warned by our travel agency friends to stay in the resort because the XXXX was unsafe, that we could be kidnapped or murdered. We had been here before so we felt that we were protected inside the gates. Now however, we felt that our safety, even our lives were at risk if we did not do what they said. At this point I started getting scared so I decided to turn my cell phone on and record as much of the conversation as I could. After an additional 2 1/2 hours of trying to work with them to cancel this charge, I was an emotional wreck. I had to go to the bathroom to throw up I was so upset. I have the recording of my husband asking several times to cancel the contract and we would deal with the fees when we returned to the USA. The representative clearly on the recording avoids my husbands questions and badgers us that we will be responsible for the same amount by the time we cancel so why not just let it go. She said that we could make money by selling weeks to other people and sending them to the resort. I was hysterically crying and my husband was a wreck by the time we just got up and walked out of there. NOW I just learned that the credit card company is RCI, a resort affiliate with and directly connected to XXXX XXXX XXXX! I have sent both XXXX and RCI Credit Services several letters and am getting no where with either of them. I just received a bill from the Credit Card Company on XX/XX/2017 that my first payment is due XX/XX/2017. They sent me no other response, no explanation of denial, just the statement. I really need your help. These XXXX businesses are in partnership to defraud people. PLEASE HELP ME! I do n't know where to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief