Consumer complaint received 2017-11-01
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It has been 2 years since I was tricked into applying for a credit card with XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I fell for it and invested into XXXX XXXX and I have yet to get what I purchased. This purchase took place on XXXX XXXX, XXXX for {$9000.00}. To this day, this is the only transaction that was put on this credit card. I filed a dispute with XXXX credit card and they did not do anything. I believe it was because XXXX is a partner with XXXX XXXX. XXXX 's XXXX partnered with XXXX to solicit their credit card to their prospects so that they could get their money upfront and then when they did n't hold to their end of the contract, they would already have their money and the client would be obligated to pay back the credit card company. This is not right. They invited me to a high-pitched sales presentation where they were soliciting their timeshares. Within days of making my purchase, I called to make reservations to bring my sister and her husband up to see my investment because I was so excited about it. I called back a few days after purchasing to come back that weekend for a 1 ( one ) day stay to show my relatives. The agent ( gentleman ) I spoke to was 'suppose ' to call me back with reservations, but I never heard back from him. I then just decided to drive up that following weekend anyway since I was still excited and wanted to show off my new vacation site. When I got to the reservation office and explained that I had tried to make reservations for a 1 day stay, I was told that I would have to wait and speak to an agent. Well, I waited about 45 minutes while people hurried by ignoring me without even an acknowledgment. I finally went into the area where the presentations were being held and just stood there hoping to get someone 's attention. I guess I was a distraction because that 's when I was given a night 's stay at the resort. I should have bailed then after that kind of treatment, but because I loved the resort, I decided to give it another chance. 

The only other time I have been able to stay at XXXX 's XXXX was when I was invited up by them for a 'supposedly ' owner 's update in XXXX XXXX. I was told to bring any concerns or problems. I came with my concerns about not being able to use my timeshare due to 'limited units ' being available each time I called for reservations. Instead of this being about addressing my issues, it was actually and invite to upsell me on a bigger unit and take more money from me. I was again offered another credit card. I did not take the bait this time, although the presentation was just as convincing as the last one.  The only thing that saved me was a question I asked before signing that showed me it was another lie. 
My intentions in purchasing with XXXX 's XXXX were to have a nice accommodations while vacationing in the XXXX every year. I did not sign up to get railroaded into paying my money and having to stay 18 miles outside XXXX. I was also unaware that I had purchased a unit with stairs that would not accommodate my entire family. I emphasized that I bring my Mom to XXXX every year for vacation and that 's one reason I wanted somewhere nice to stay. All I wanted was to invest in a place where I could come with my family to enjoy well into my retirement. It has turned out to be a nightmare. After I put the cost of this property on the XXXX credit card offered thru XXXX 's XXXX, I am now out of {$9000.00} and nothing to show for it. I have been cheated and disrespected from the start. Every time I got someone on the line to make reservations, I was told only a certain number of units had been released or that there were no openings for my dates or they could put me 18 miles outside XXXX. Sometimes I would even leave detailed messages and never got my calls returned. This is not how you do business. After several failed attempts to get reservations from XXXX XXXX to XXXX XXXX, I decided to stop payment on the XXXX credit card because I was not going to continue to pay on something I was not using. I disputed the charges with the credit card company, but they would not work with me. Probably because XXXX was partners with XXXX 's XXXX. To make matters worst, I even had one sales agent to call me to invite me to a sales presentation unaware that I had already purchased a unit and when explained to her my issue, she told me that in the past, units had been leased out to 3rd parties and that was why none were available to the true owners. She did not have to disclose that information, but she did and I appreciated her honesty. 

As far as I am concerned, XXXX 's XXXX forfeited on the contract when they would n't deliver. After making monthly payments for more than 8 months, I decided to stop paying for something I never got. I am now in debt to XXXX credit card company ( XXXX ) for a timeshare that I have never used. I am requesting to be released from this contract and my money be refunded on my XXXX credit card. 

After I filed with the BBB, XXXX XXXX XXXX, general manager of XXXX 's XXXX finally called me in XXXX XXXX and agreed to release me from my contract, but in the release paperwork he sent me to sign, it stated that no money would be returned. I have tried contacting XXXX XXXX to inquire about why he was keeping my money, but he will not call me back. He sent an email in XXXX, stating that he would call me, but has not. I have been calling and calling and leaving messages for XXXX XXXX and his assistant XXXX, and no one will return my calls. The last contact with them was last week ( week of the XXXX of XXXX XXXX. I was promised to get a call back, but never did. 
This is a conspiracy. Again, I believe XXXX 's XXXX partnered with XXXX to trap people and take their money by encouraging them to take out their credit card and rob them of their hard earned money. I will do everything possible to prove it and expose XXXX 's XXXX for this tactic. This is a ripoff and I am tired of being taken advantage of. 
XXXX XXXX

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 explanation