Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ XXXX. 
XXXX XXXX XXXX is a debt collector whom for XXXX  ( XXXX XXXX XXXX XXXX ) whom supports FRAUD and RIP-OFFS. 

Per may personal experiences XXXX ( XXXX XXXX XXXX XXXX ) is the most UNETHICAL AND DECEITFUL company I have ever known in my entire life. 

On a regretful first week vacation on XXXX to XXXX, they mislead my wife and I to purchase a great vacation XXXX XXXX XXXX XXXX  ) Plan, stated we have a week yearly vacation in any of the XXXX  and their affiliated sited, that we can go up to XXXX people, that we can even rent it out our weekly vacation There paid in full {$28000.00} dollars cash, trusting that XXXX was XXXX company and that we were making a wise investment for a life vacationing. 

On XXXX we made our XXXX remorseful vacation confident of our already paid vacation and out ownership rights as TSOs. When we scheduled out vacation XXXX refused to honor our contract stating that in our first time as owners we must pay a regular fee, and that starting on the second visit we must use Points to pay for our stay. This time they convinced us to purchase XXXX Points for which we paid {$6000.00} dollars cash. 
Again XXXX assured that our membership and points were utilizable in any PBSB site paying a minimal {$100.00} per week fee as lawful owners. 

On XXXX we had planned our next vacation and contacted XXXX site in XXXX, XXXX, XXXX. 
We were totally confident counting on using our XXXX  ownership and trusting our availability to use our paid vacation points. But, there we learned the deceitful fraud we were victims of. 
When we called to make the hotel reservations, they rejected our XXXX  membership and refused to accept any vacation points. When we arrived to XXXX we went straight to the XXXX XXXX site and they were rude and demeaning while refuting our ownership, they demanded a higher payment than a hotel that near the beach which is the one we took for that vacation. 

There we were confirmed of the UNETHICAL AND DECEITFULLY PRACTICES OF XXXX and at that moment we decided to definitively stay away from all polluted XXXX sites and for PBSB to be the last place to visit on XXXX. 

XXXX with lies and false promises thieved a total of {$35000.00} dollars. ( {$28000.00} in the XXXX XXXX XXXX, {$6000.00} on XXXX points, {$830.00} Maintenance fee and {$1000.00} Contract Termination Fee ). 

The XXXX XXXX XXXX contained a fee for the site maintenance to be paid every XXXX years. Although the services were fake and valueless On XX/XX/XXXX I paid {$1800.00} ( {$830.00} maintenance fee to keep the balance clear and added the {$1000.00} demanded to terminate with that dreadful contract and to end the XXXX XXXX for ever ). Enclosed are copies of the cancellation documents and the cleared payment respectively. 

The XXXX Points purchase had ZERO maintenance fee obligation, it was a monetary savings that should have been earning interest. 

It is obvious that XXXX XXXX XXXX is trying to charge me for the XXXX deceitful actions of selling deceiving services/products. I appreciate your looking into this matter from your end because I have absolutely no way of validating these counterfeit charges. I was never able to use the unscrupulous XXXX  sites, neither the fallacious vacation Points. I should be receiving back the {$35000.00} dollars that I paid for the services I never received.

Company response to consumer: Closed with explanation