Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
Our journey with XXXX XXXX began with the original contract signed on XX/XX/XXXX, followed by an upgrade on XX/XX/XXXX. Both visits, intended as simple weekend getaways, turned into high-pressure sales experiences. Upon checking in, we were informed at the front desk that attending the presentation was mandatory. Similarly, during the upgrade process, we were told it was a required owners meeting. Incentives such as waterpark tickets or a {$100.00} XXXX gift card were offered to persuade us. We accepted the waterpark tickets on both occasions. 

During the initial purchase, our Sales Representative was XXXX XXXX, with XXXX XXXX serving as the XXXX XXXXXXXX and XXXX XXXX as the XXXX XXXX. For the upgrade, XXXX XXXX acted as the XXXX XXXX managed by XXXX XXXX. 

Throughout both presentations, we were inundated with offers that seemed far too good to be true. The environment was overwhelming, and the pressure to buy was relentless. Each time we expressed hesitation, another person would step in to push the deal. The process began at the conference center and continued at the waterpark with a buffet, where they showcased various activities and amenities. Afterward, we were shown properties on the resort, followed by a return to the conference center where their best deal was presented. Repeatedly, we were told that these opportunities were rare and time-sensitive. 

If we declined, managers would step in, often claiming a recent foreclosure or offering gold cards supposedly worth {$7000.00} each. The persistence didnt end therethey would leave, regroup, and return with more individuals to persuade us. The pressure was immense and unrelenting. 

The promises made during these presentations were deceptive. We were assured we could travel whenever we wanted or generate income by renting out the timeshare, yet none of these claims materialized. They emphasized the flexibility of points for spontaneous trips, but our attempts to book anything have been unsuccessful. The entire closing process was rushed, with documents shuffled quickly and no time to thoroughly review the terms. 

Now, we are stuck paying for something we can not use. Vacations have become impossible, both due to the lack of availability and the financial strain caused by the program. We feel completely misled. If the lifelong commitment and limitations had been clearly disclosed, we would never have agreed to the contract. 

Their aggressive sales tactics even went as far as to create tension between us. They manipulated us into feeling guilty for not agreeing with one another, playing on our emotions to seal the deal. Such practices are deeply unethical and unworthy of a company that claims to care about its customers. Instead, its clear they are focused on exploiting individuals with false promises and high-pressure tactics. 

Given the misrepresentations, undue pressure, and inability to utilize what we were sold, we firmly believe our contract should be terminated immediately and in full. The deceptive practices employed by this company are unacceptable, and we demand to be released from this agreement without further delay.

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