My name is XXXX XXXX and I am submitting this report on behalf of XXXX XXXX, a XXXX XXXX. I have helped over 50 families file a complaint over what they describe as predatory use of the XXXX at XXXX XXXX as well as claims of unauthorized use of the XXXX to buy vacation points as well as deceptive and " bait and switch '' tactics are apparent in every complaint. <P/>Please do not forward this to XXXX XXXX because I am told the CFPB will not investigate timeshare as the XXXX investigation has been dropped and the complaints against XXXX are about the same tactics XXXX employs based on the testimonies I have taken. There could be retaliation against me. I do not feel safe. It is alright to publish as I doubt XXXX will read it. <P/>Sources tell the the CFPB has been rendered ineffective, at least for timeshare as I believe the CFPB dropped their investigation of XXXX XXXX. Now I direct victims to the FBI filing under Financial Institution Fraud. I called the CFPB for verification directed to a New York office, but the person I called would not return my calls. My cell is XXXX EST if someone could please call me to let me know why victims should continue to file with the CFPB. The many I sent CFPB, including me, have only received an emailed acknowledgment. <P/>This is a list of the victims I have helped, just those willing to go on record followed by XXXX 's report. There are over 50 total. XXXX and XXXX are particularly tragic. XXXX 's loan was cancelled only after I sent a draft article. XXXX was denied. I am a former XXXX XXXX. I prepare reports in the manner I learned writing court reports for XXXX XXXX on behalf of XXXX XXXX. <P/>XXXX XXXX XXXX : XXXX XXXX XXXX Chapter 1 XXXX XXXX XXXXXXXX XXXX and Member stories XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX Barclays Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX A XXXX Family XX/XX/XXXX XXXX : XXXX How to File a Complaint XX/XX/XXXX CFPB Deleted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Clarity Review XXXX XXXX XXXXXXXX HOA Collections XX/XX/XXXX XXXX XXXX XXXX A Military Family XX/XX/XXXX XXXX : XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Member Sponsored Advocacy Group XX/XX/XXXX XXXX : XXXX XXXX XXXX for Timeshares Soul XX/XX/XXXX XXXX : XXXX XXXX XXXX Lawsuit XX/XX/XXXX http : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX {$20.00} XXXX Whistleblower Jury Award XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The Peasant of XXXX and the Queen of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and the Barclay Card XX/XX/XXXX XXXX XXXX XXXX Real Estate Is it or Isnt It? XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 2Q Results XX/XX/XXXX XXXX : XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX Latticework XX/XX/XXXX XXXX XXXX XXXX XXXX Buys XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Member number XXXX Contract number XXXX Arizona XXXX XXXX US Collection points purchased XX/XX/XXXX at XXXX XXXX XXXX XXXX Total purchase price {$29000.00} Amount financed {$24000.00} Current balance {$20000.00} Interest rate 15.99 % XXXX down payment {$4500.00} Maintenance fees {$1600.00} XXXX paid in full purchased in XXXX, Arizona XX/XX/XXXX XXXX said she is a silver member, but she must be temporary Silver because Silver is XXXX Agent was XXXX XXXX Agent sales number XXXX XX/XX/XXXX TO : XXXX XXXX Advocacy XXXX for violating XXXX Code of Ethics XXXX XXXX at XXXX BCC to XXXX XXXX XXXX XXXXXXXX XXXX XXXX is asking for a loan cancellation and full refund for her XXXX point purchase due to deceit, concealment, violation of trust and bait and switch defined as White Collar Crime by the FBI. The agent said that if I submitted 3 referrals per year then that would waive my maintenance/annual fees. There are many other misrepresentation listed below. <P/>Due to automatic denials based on misrepresentations, I have advised XXXX to file a complaint with the BBB, FBI at IC3.gov and XXXX for violating XXXX Code of Ethics one week from the date of this submission and then the FTC, NV AG and AZ AG as well as with the Nevada State Real Estate Division against sales agent XXXX XXXX . <P/>Thank you for your consideration. <P/>XXXX XXXX In XXXX words : Last year we went to XXXX and stayed at XXXX XXXX. <P/>The sales agent said the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the deal she was offering me. <P/>There was a " free '' trip but I had to pay {$1000.00} before I could even book the trip. <P/>I was never told of the 5 day cancellation policy. ( NOTE from XXXX : It was in the contract so you will be told you should have read it ) I did n't have the money for a down payment so she " talked to her manager '' who decided they could put the down payment on their credit card and finance the rest so double interest charges. <P/>She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. <P/>She claimed the interest rate on what XXXX financed would be no higher than 13.99 % when in fact it is 15.99 %. ( Note from XXXX : You will be told it was in the documents. Many dont know their interest rate until they get the loan paperwork in the mail due to sales presentation exhaustion ). <P/>I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. ( This is why recording the QA session as part of Clarity only harms the consumer as it strengthens XXXX position in court or arbitration ). <P/>I felt very rushed and pressured throughout the entire process. <P/>I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. <P/>I have a hard time using the timeshare because everything is always booked. <P/>Original message from XXXX Hi, thank you for taking the time to talk to me. So I had originally purchased the sampler from XXXX. Never really used it until last year we went to XXXX and stayed at XXXX XXXX with family. So I had to do the presentation thing. Well the agent who was selling to me told me all kinds of things like the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the d al she was offering me, there was a " free '' trip except come to find out I had to pay {$1000.00} before I could even book the trip, I was never told of the 5 day cancellation policy, then when it came to financing I had to put a down payment down. Except I did n't have a down payment so she " talked to her manager '' who then decided that they could put the down payment on their credit card then they could finance the rest so double interest charges. She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. She claimed the interest rate would be no higher than 13.99 % when in fact it is 15.99 %. I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. I felt very rushed and very pressured throughout the entire process. I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. I have a hard time using the timeshare because everything is always booked.