Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
A Wyndham representative approached us to purchase week long vacations, a deal not to be passed up. So we did so for our XXXX children. 
We were asked to return and sit in on a presentation so the representative selling us the vacations would receive credit and pick up the certifications for the week long vacations. The sales brochure and the certificates are attached. 

2. The sales of the week long vacations packages were very deceptive. It was sold as use anywhere anytime. Reality is you can not use them at anytime only in off peak periods and only at low coat low usage property as stated in the attached e-mail, These packages were issued only as we were walking out the door after the 5-hour high pressure presentation. We were not given time to read and review them prior to purchase. 
In the event this certificate package would have been properly presented for what it actually is no purchases would have transpired. 

3. Sales person XXXX XXXX, XXXX XXXX and XXXX XXXX kept us for 5 hours with offers of splendid vacations, they kept bringing more sales staff and they kept adding to the pressure. Each staffer that appeared had an add on to make the deal better. We told the NO several times and they just kept bringing more people Sweetening the deal each time. 

4. XXXX and XXXX said you could use points to take cruises ; redeem points for Airline Tickets and XXXX Tickets. This was a false claim, as we do not have enough points for this. We each ( XXXX and XXXX ) own Wyndham Vacations and travel the globe on exotic vacations. 
What they did not disclose is we do not have enough annual points to do any of this. 

5. ( Rental Fee for Points ) this was disclosed to us as you could bring points forward for the next year without any extra cost. This is another false claim, as the extra points are expensive and must be purchased. We have checked into these properties and over 90 % of them we can not use due to too expensive, not prime vacation areas ( as stated ) or off peak season when our children and grandchildren can not go due to work and school. 

6. There many documents singed without our knowledge by XXXX XXXX using the Docu-Sign application. Due to they had kept us there for 4-hours he forged our names onto this Docu-Sign and went through about 50 pages of documents electronically signing them without our knowledge or an explanation that would have given us more time to reject this contract. We have highlighted them throughout the contract. We were kept in this environment 4-1/2 hours longer than the consumer protection agency allows under high pressure the entire time. 

7. A Barclays Wyndham Credit Card was issued to us and explained IF we use it, we could accumulate points and use them toward a maintenance fee. The maintenance fee was not disclosed to us until after we asked about it several times. The fee quoted us at the time is far less than the actual fee. 
Wyndham added a 10 % down payment onto the card instantly in which we have never received points but have received several invoices for the full amount of the maintenance fee. 
Then charges started showing up on the CC at 17.9 % interest. We confronted the Barclays CC Company and they removed the unauthorized charges. Now Wyndham is sending these charges through collection agencies now in an attempt to intimidate us by destroying our credit rating. 

8. Wyndham did not disclose a 10day grace period to decline this purchase. When we approached Wyndham it was told to us You should have read the fine print and would you like to purchase a higher point package. 
We have never seen a disclosure statement. We did not receive a disclosure statement. 

9. We reached out to Wyndham. Wyndham claims they internally investigated the incident. 
However over the course of 4 months their investigators XXXX XXXX and XXXX XXXX talked to us on the phone 2 times in mid XXXX and early XX/XX/2019. We did not communicate with them again for 2-months as we tried to follow up with the investigation. After 2-months XXXX  wanted to conduct an initial interview as if we had never spoke on XX/XX/XXXX. We found this very unusual. All communications are attached. 

1. Wyndham will not discuss this issue in writing. We have repeatedly asked them to write us any and all concerns and they refuse. We did receive e-mail from XXXX XXXX wanting to offer us something, she would not say what it was on e-mail and only could say it on the phone as per Wyndham policy. 
2. We finally received a non-cancelation letter from Wyndhams XXXX XXXX on XX/XX/XXXX. This letter is attached and mainly reads like a standard issue letter. 
3. We reached out to the Attorney Generals Office in XXXX and XXXX seeking help with this issue with no results. Wyndham had someone within their Consumer affairs deny all of our issues and concerns. 
4. We have received many harassing phone calls from Wyndham Collections, Barclays, ( XXXX XXXX XXXX ) ( collection agencies used by Wyndham & Barclays to intimidate us ) mainly these people have been rude when we will not speak on a recorded line and ask them to send e-mails. 

We only seek for Wyndham to honor the 10-day cancelation period and cancel this contract, as per XXXX state law. 
We feel we were lied to, taken advantage of, misled by high-pressure sales staff and fraudulently coerced into accepting something we did not want and had said NO to, many, many times in the 5-hour long sales marathon.

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