Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BARCLAYS BANK DELAWARE (HI)

In XXXX of XXXX  We stayed in XXXX XXXX for a XXXX  run. OUr friend let us stay at his resort. While staying there, the front desk asked if we wanted to go to a presentation, we were kind of busy, but they offered free tickets to a local show if we gave them XXXX minutes of our time. We made time the next morning to attend the presentation. We got there at approximately XXXX and met a very nice lady that walked us through the timeshare process, we gladly sat there for about XXXX  minutes and than said we were not interested. The female sales rep than brought us to there XXXX XXXX to see what deals he could give us, including XXXX free timeshare stays ( outside the normal 1 they offer ), they could give us a 50 % discount on the credits, and give us a XXXX XXXX to help with the down payment on our new mortgage ( Timeshare mortgage ). I explained that we were going to be buying a house soon, did not need extra debt or credit. The financial specialist assured us that this would have no effect on our credit or house purchase. I was skeptical, but the financial specialist brought out the financial manager to confirm everything he was saying, as long as I got the credit card for the downpayment than it would have no effect. XXXX and I were than brought back to the original sales lady, and XXXX confirmed that she did not want to get a timeshare. At approximately XXXX XXXX left to go to work. The timeshare reps in the office seemed very concerned, and tried to dissuade her from going to work. They then offered me an updated agreement for half the points at half the cost to because this was a one-time deal and they were making an exception due to my XXXX service. They could not let me miss this opportunity. They took me to another room with another XXXXWyndam representative to conclude the final review and signed the contract on a computer/tablet style device about 20 times. They called me about 3 times to get my wife to sign the email they sent her, we were planning on not signing it. My wife went to the email, opened the document and it automatically signed and thanked her for her signature. I immediately called and was unable to get a hold of anyone. I than was put on military orders and thought I would try and get out of it later, but was twice told " their systems were down '' in the XXXX time frame. In order to relieve some of the financial pressure, I requested SCRA Benefits in XXXX ( only added one email, but there are about 6 emails requesting/following up for SCRA ). The SCRA Benefits was not granted, I called the Owner Resolution team/FInance team I was not given a reason why, but was told a letter was in the mail to explain it to me ( I did not receive the letter ). XXXX XXXX took me to Hawaii and the importance of the timeshare went on the back burner. In XXXX Wyndam called me and told me the time had lapsed for me to get out of the contract. The Wyndam rep gave me a solutions team number to help me. The solutions team, XXXX XXXX XXXX, asked me to write a statement. After submission, XXXX XXXX asked me to revise it ( twice ), which I did. Afterwards, he told me XXXXwyndam would no longer consider cancellation because my statement was not adequate.