Complaints

This profile includes complaints for Central Florida Investments, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Central Florida Investments, Inc.

  2801 Old Winter Garden Road Ocoee, FL 34761-2965

• 

  Central Florida Investments, Inc.

  12000 Cypress Run Dr Orlando, FL 32836

• 

  Central Florida Investments, Inc.

  131 SW Webbs Gln Lake City, FL 32024

• 

  Westgate Resorts, LTD

  915 Westgate Resort Road Gatlinburg, TN 37738

• 

  Westgate Myrtle Beach, LLC

  415 S Ocean Blvd Myrtle Beach, SC 29577

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/01/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account # *********** I am filing this complaint to express our dissatisfaction and frustration with Westgate Resorts regarding our timeshare experience. We initially received a week-long stay at Westgate as a wedding gift, expecting to stay at Westgate Lakes Resort and Spa. However, upon arrival, we were surprised to find our reservation was at Westgate ********, a location we were unaware of and did not intend to visit.During our initial tour and contract discussions, we were assured that, as owners, we would have guaranteed access to accommodations that met our needs for accessibility. This was crucial, as we have two children who use wheelchairs. The promise of suitable, accessible accommodations was a decisive factor in our purchase decision.Unfortunately, these promises have not been upheld. On our first visit in July 2020, we were placed in a cramped studio room and had to pay additional fees to stay at the property we initially expected. Despite paying for a deluxe two-bedroom villa, our most recent stay in June 2022 was equally disappointing. We were placed on the 7th floor, far from needed amenities, with an unairconditioned elevator in dangerously high temperatures, compromising our childrens safety.Despite our repeated and consistent monthly payments, the accommodations and service provided have not matched what was promised in our contract. Numerous attempts to resolve these issues directly with Westgate staff have yielded no substantial results.Given the repeated failures to meet contractual obligations, including misrepresentation and failure to provide promised accommodations, we request the immediate cancellation of our timeshare contract. We believe these issues represent clear breaches of the agreement and expect Westgate to act promptly in confirming the cancellation of our timeshare and providing instructions to complete the process.Sincerely,********* ************ ******* **************************************************

  Business Response

  Date: 11/27/2024

  November 27, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:********* *****
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Ms. ****** complaint.We thank you for the opportunity to respond.
  
  Mr.********* please be advised that Westgate has addressed Ms. ****** concerns previously. While we regret to read of their feelings about Westgate, please know that Westgates position remains unchanged. As such, we will be forwarding an additional copy of our previous response to Ms. ****** via the email on file, for further review.
  
  Ultimately,the contract, as written, remains valid and enforceable. Nonetheless, as we continue to deeply value Ms. ****** relationship with Westgate Resorts and remain committed to providing them with the highest level of service, we encourage them to reach out to our department referrals as they aim to provide owners with direct assistance with their accounts. While they do not offer cancellation services, we ask that Ms. ***** please contact our ****************************** at *************** for direct assistance with the account.
  
  We thank you for the opportunity to be of service. Should any further concerns arise following this response, please do not hesitate to reach out to us at the email below.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/am

  Customer Answer

  Date: 12/03/2024

   
  Complaint: 22501887
  
  I am rejecting this response because:

  Dear BBB Team and Westgate Resorts,
  I am writing in reference to Westgates recent response to my complaint, specifically, the claim that my concerns have been previously addressed. While Westgate has reiterated its position, this response does not acknowledge or resolve the ongoing issues I have outlined in my complaint.
  The ****************************** which Westgate suggests contacting, has proven unhelpful and ineffective in addressing my concerns. Despite repeated attempts to seek meaningful assistance, no actionable solutions or satisfactory resolutions have been provided. This lack of responsiveness underscores a broader issue of insufficient support from Westgate.
  Furthermore, the response does not address the specific reasons I believe the contract terms are problematic or why mediation has failed to provide a viable path forward. Reiterating that the contract is valid and enforceable without addressing the substantive concerns raised feels dismissive and undermines the value of this process.
  I respectfully request that Westgate provide a detailed explanation of why the ***************************** has not effectively addressed my concerns and has not offered alternative solutions beyond directing me back to a department that has already failed to provide meaningful assistance.
  If Westgate remains unwilling to work toward a resolution, I will have no choice but to pursue further action. Thank you for your attention to this matter.
  Sincerely,
  
  ********* *****

  Business Response

  Date: 12/09/2024

  December 9, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  
  RE: ********* *****
         Complaint ID # ******** Account # *********** *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Crystobel ****** complaint.We thank you for the opportunity to respond.
  
  Mr.********, we sincerely regret to read of Ms. ****** dissatisfaction with Westgates previous responses, as Westgate is committed to providing our owners with the highest level of service, and we are sorry if she feels as though we have not met that standard.
  
  That being said, we ask Ms. ***** to understand that, whether she agrees with our responses or not, Westgate has addressed her concerns, and absent documentation that would negate her signatures, Westgate is not required to provide release or resolution.
  
  We wish for Ms. ***** to know that she is well within her rights to escalate her complaints to any outside forum as she sees fit. However, while she may not agree with our response, Westgate has addressed and will continue to address her concerns in the same manner regardless of the escalation path she ********** such, Westgates position remains that her contract is valid and enforceable.
  
  We know it can be frustrating for Ms. ***** to learn her contract cannot be cancelled; however, we wish for her to know that we do want to help her. We ask for Ms. ***** to realize that our offer of assistance provides her with additional resources and our department referrals will provide help to the best of their abilities. As such, we again encourage her to contact our Contract Mediation Team at ************** for further assistance.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ************************************************************************ (Attn: ****** ****************

  Customer Answer

  Date: 12/09/2024

   
  Complaint: 22501887
  
  I am rejecting this response because: I appreciate your attention to my concerns regarding my timeshare agreement with Westgate Resorts. However, I respectfully reject the assertion that my contract is "valid and enforceable" without question, particularly in light of several troubling issues surrounding timeshare practices and consumer rights under applicable laws.
  
  Westgate Resorts is bound by the ************************ (***) rules prohibiting deceptive and unfair sales practices under the *** Act (15 U.S.C. 45). During the sales process, I was subjected to high-pressure tactics and misleading statements about the resale value, ease of use, and ability to cancel the contract. These practices may constitute a violation of my consumer rights under the law.
  Florida law (Florida Timeshare Act, Chapter 721, Florida Statutes) further emphasizes that sales presentations should not include deceptive practices. If misrepresentation occurred, my contract may be deemed unenforceable.
  
  ********* contracts often include a right of rescission. While I acknowledge the rescission period may have passed, it is worth noting that if Westgate Resorts failed to adequately disclose all relevant details, including the cancellation process and financial implications, the contract may not hold under Florida law (Fla. Stat. 721.10).
  Specifically, the Florida Timeshare Act requires developers to provide clear, understandable documentation. If this requirement is not met, the validity of the contract is questionable.
  Westgates refusal to provide an exit option highlights the unfairness of timeshare contracts designed to bind consumers indefinitely. In some cases, courts have ruled that contracts of perpetuity can be unconscionable under common law principles.
  Further, under the ********-**** Warranty Act (15 U.S.C. 2301 et seq.), contracts that misrepresent benefits or make cancellation unduly burdensome may violate consumer protection laws. Westgates lack of a reasonable exit path appears to fall into this category.
  In light of the above, I respectfully request Westgate Resorts re-evaluate my contract with the following considerations to provide a clear exit path for owners like myself who are no longer able to maintain their timeshare due to financial or personal hardships.
  
  
  Thank you for your attention to this matter. I trust that the BBB will encourage Westgate Resorts to engage in a fair and good-faith review of this case.
  
  Sincerely,
  
  ********* *****

  Business Response

  Date: 12/23/2024

  December 23, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  RE:********* *****
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Ms. ****** complaint.We thank you for the opportunity to respond.
  
  Mr.********, we truly regret to read of the struggles ******** is currently facing. While her contract is valid and we are unable to provide cancellation, rest assured that Westgate is willing to work with her during her hardship. We encourage Ms. ***** please reach out to our *************************** at ************** to request a hardship application. Please be advised, Ms. ***** will need to fully execute the application and submit all requested documentation to the address listed on the application. Westgate will not review any applications where supporting documents are missing. Once the application is reviewed, she will be notified in writing of Westgates decision.
  
  We would also like to clarify that Westgate does not deal with hypothetical situations. We can confirm that full and fair disclosure of all purchase terms was provided to Ms. ***** on the day of sale in accordance with all laws,including the state-mandated rescission rights. As the burden of proof lies with her, if Ms. ***** has any clear and concise supporting documentation of any alleged violations, Westgate is more than willing to review further. While ******** may disagree with this stance and is well within her rights to escalate these concerns as she deems fit, Westgate is not required to offer an exit option outside of the contractual rescission period, absent findings of wrongdoing.
  
  For further assistance with your account, we highly encourage you to reach out to our ***************************** at **************. Please keep in mind that these referrals do not offer cancellation services, nor will provide an altered response.
  
  We thank you for the opportunity to be of service. Please recognize that any further inquiry of a similar nature will be met with the same response.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/sp

• Initial Complaint

  Date:10/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this complaint to request the cancellation of our timeshare contract with Westgate Resorts. We have been members since 2012, and in 2015, we were convinced to upgrade. However, the financial strain of maintaining this timeshare has become unsustainable for us.Throughout our membership, we have diligently stayed up to date with payments, but recent circumstances have made it impossible for me to continue. I am the primary caregiver for my mother, who is very ill, and I am also responsible for caring for my three children. These commitments required me to leave my job, and since my husbands passing, the financial burden of this timeshare has only increased. Despite my situation, Westgate has continued to send me bills without offering any assistance or understanding of our hardship.Given these circumstances, I am urgently seeking the cancellation of our timeshare contract with Westgate Resorts. I am hopeful that they will consider the financial and emotional hardship this contract has caused and provide us with a fair and compassionate resolution.Thank you for your attention to this matter. I look forward to your assistance in helping us obtain a release from this contract.

  Business Response

  Date: 11/08/2024

  November 8, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:******** ******
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding **** ******* complaint.We thank you for the opportunity to respond.
  
  First and foremost, on behalf of the entire Westgate family to **** *******,please allow us to express our most sincere condolences for the passing of her husband. We understand that these types of losses can create uncertainty in our lives and anxiety about the future. We want to assure **** ****** that we remain here to help her and her family. As such,we ask that she please reach out to our *************************** at ************** to request a hardship application. Please be advised, **** ****** will need to fully execute the application and submit all requested documentation to the address listed on it. Westgate will not review any applications where supporting documents are missing. Once the application is reviewed, **** ****** will be notified in writing of Westgates decision.
  
  Mr.********, please be aware that, at the closing, **** ****** was provided a state mandated rescission period for contract cancellation. She was also provided with clear instructions had she decided to cancel as well as the mandatory timeframe. Because we have nothing on record to show that she cancelled within the allotted timeframe, it is Westgates position that the rescission period for contract cancellation has passed; as a result, *********** request to be released from her contract has been respectfully denied.
  
  Ultimately,**** ******* contract remains valid and enforceable. We understand that it can be frustrating to learn her contract cannot be cancelled; however, please know that we do want to help her. Our offer of assistance is intended to provide **** ****** with additional resources and choices for her to consider. While they do not offer cancellation services, our department referrals will provide help to the best of their abilities. For direct assistance with her account, we ask that **** ****** please contact our ***************************** at **************.
  
  We thank you for the opportunity to be of service. Should any further concerns arise following this response, please do not hesitate to reach out to us at the email address furnished below.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/bp

  Customer Answer

  Date: 11/12/2024

   
  Complaint: 22489112
  
  I am rejecting this response because:

  This is unacceptable. I cannot afford this timeshare anymore. They have to close it. Since my husbands passing, the financial burden of this timeshare has only increased. 
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 11/15/2024

  November 15, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:******** ******
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Mrs. ******* complaint.We thank you for the opportunity to respond.
  
  We regret to read of Mrs. ******* dissatisfaction with our previous response;however, as we wish to again offer our assistance to her during these hard times, we encourage her to contact our **************************** at **************,to request a hardship application.
  
  Furthermore,we must rely on the legal documents that were executed at the time of sale and the contractual agreement reached between Mrs. ****** and Westgate. At the time of the execution of these documents, she was provided with a state mandated rescission period for contract cancellation as well as clear instructions had she decided to cancel as well as the mandatory timeframe. Because we have nothing on record to show that Mrs. ****** cancelled within the allotted timeframe, it is Westgates position that the rescission period for contract cancellation has passed; as a result, her request for cancellation has respectfully been denied.
  
  For further assistance with her Westgate account directly, we ask that Mrs. ****** please contact our ****************************** by phone, at **************.Please keep in mind that these department referrals do not offer cancellation services nor will provide a response inconsistent with this one.
  
  We thank you for the opportunity to be of service. Please understand that any future inquiry of a similar nature will be met with the same response.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/bp

• Initial Complaint

  Date:10/28/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account # *********** I am filing this complaint against Westgate Resorts due to misleading sales practices, lack of transparency, and unaddressed financial concerns related to my timeshare. Despite several attempts to resolve these issues directly, Westgate has failed to respond adequately.Westgates high-pressure sales tactics during the presentation created a coercive environment, making it difficult to make a fully informed decision. I felt pressured into signing under unrealistic promises about rental potential and resale opportunities, which have since proven untrue. Westgates sales agents assured me of the ease with which I could rent or resell my timeshare, but I have received little to no support from Westgate in facilitating these options.Further, the fees associated with this timeshare continue to increase unpredictably. I was initially told that maintenance fees were estimates, but there was no warning about how significantly they would rise. This lack of transparency has resulted in an undue financial burden that I am struggling to manage. Each year, maintenance fees increase with minimal explanation, and there is no clear disclosure on why these rises are necessary.Despite these challenges, Westgate has refused to consider the impact of these issues on my ability to manage this timeshare. When I requested to cancel the contract based on the misrepresentations made during the sale and the overwhelming financial impact, Westgate dismissed my request, insisting on the validity of the contract despite the clear evidence of misleading practices and insufficient disclosure.I am seeking the cancellation of my timeshare contract with Westgate Resorts due to the misrepresentations, unfulfilled promises, and financial stress caused by increased maintenance fees. I ask that Westgate recognize the issues I have outlined and take immediate steps toward a fair and equitable termination of this contract.

  Business Response

  Date: 11/12/2024

  November 12, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:***** *****
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Mr. ****** complaint.We thank you for the opportunity to respond.
  
  ************ please understand that Westgate has addressed Mr. ****** concerns on multiple occasions and our position remains unchanged. As such, we will be providing copies of our previous responses to Mr. ****** via the email on file,for further review. While he may not agree with our standing, this disagreement does not negate the contractual obligations he agreed to at the time of purchase nor the fact that he was provided with full and fair disclosure of all terms pertaining to the purchase.
  
  It is important that he understands that Westgate must rely on the legal documents that were executed at the time of sale and the contractual agreement reached between Mr. ***** and Westgate. At the time of the execution of these documents, he was provided with a state mandated rescission period for contract cancellation as well as clear instructions had he decided to cancel as well as the mandatory timeframe. Because we have nothing on record to show that he cancelled within the allotted timeframe, it is Westgates position that the rescission period for contract cancellation has passed; as a result, ********* request for release has respectfully been denied. The contract is valid and enforceable.
  
  While ********* contract is valid and we are unable to provide cancellation, rest assured that Westgate is willing to work with him during his hardship. We ask that Mr. ***** please reach out to our **************************** at ***************to request a hardship application. Please be advised, Mr. ***** will need to fully execute the application and submit all requested documentation to the address listed on the application. Westgate will not review any applications where supporting documents are missing. Once the application is reviewed, he will be notified in writing of Westgates decision. This department does not offer cancellation services.
  
  We thank you for the opportunity to be of service. Should any further concerns arise following this response, please do not hesitate to reach out to us at the email below.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/am

  Customer Answer

  Date: 11/13/2024

   
  Complaint: 22482497
  
  I am rejecting this response because: Thank you for forwarding Westgate Resorts response to my complaint (Complaint ID # *********. Unfortunately, their reply fails to adequately address or resolve my concerns.

  
  Westgate's response emphasizes the contractual obligations, yet it neglects to address specific issues regarding the sales process and whether Westgate engaged in misleading or high-pressure sales tactics. The emphasis on the contract alone does not refute my claim that I was not provided a reasonable or fair opportunity to understand and assess the obligations at the time of purchase.

  
  Westgates claim that full and fair disclosure was provided is questionable. The sales process was overly aggressive, and I was pressured into making a decision without sufficient time to review the agreement comprehensively. The provided disclosures were presented in a manner that was both rushed and confusing, which undermined the state-mandated rescission period they reference.

  
  The option to apply for a hardship is appreciated but irrelevant to my primary complaint. My goal is not to defer payments but to have the contract rescinded due to deceptive practices. Westgate's unwillingness to consider this or acknowledge any wrongdoing in its sales practices is disappointing.

  
  Additionally, the assertion that the contract is valid and enforceable overlooks the possibility that the agreement was obtained through misleading and high-pressure tactics. The contract validity in itself does not preclude an ethical obligation for Westgate to reconsider under the circumstances.

  
  In conclusion, I request that Westgate Resorts reevaluate their stance on my case, taking into consideration the high-pressure sales environment and lack of transparency. I hope the BBB will continue to assist me in seeking a fair resolution.
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 11/22/2024

  November 22, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  
  RE: ***** *****
         Complaint ID # ******** Account # *********** *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding ***** ****** complaint.We thank you for the opportunity to respond.
  
  Mr.********, please be advised that Westgate has communicated its position with respect to the items Mr. ***** has presented, and our position has not changed.Based on the recorded closing, Mr. ***** made the decision to move forward with a different piece of inventory after ultimately saying no during the first signing; as such, he clearly understood his right to say no, or he would have gone forward with the more expensive property.
  
  That being said, the rescission period is a State-mandated period wherein an owner can ****** their purchase decision in this instance, free of what the consumer is alleging was a pressuring environment. Further, please allow us to clarify that in no way can the rescission period be undermined on the day of sale as it does not even start until the day after purchase. Ultimately, Mr. ***** choosing not to exercise his rights is in no way Westgates doing. As such,Westgates position remains that Mr. ***** contract is valid and enforceable.
  
  While we are appreciative of his concerns, Westgate remains available to help. We wish to reassure Mr. ***** that one of Westgates main goals is assisting owners in realizing the full potential of their vacationing asset. As such, for personalized assistance on account matters, we encourage Mr. ***** to reach out to our ********************************* Team directly at ************** / Option 4.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ************************************************************************ (Attn: ****** *.)
  
  Sb/am

  Customer Answer

  Date: 11/25/2024

   
  Complaint: 22482497
  
  I am rejecting this response because:  I respectfully disagree with Westgates response, as it contains inaccuracies about the circumstances surrounding my purchase decision.
  Westgate claims I chose a higher-priced property, which is incorrect. Initially, I said no to their offer multiple times. Following this, I was subjected to relentless pressure tactics where multiple representatives repeatedly approached me, offering alternative properties and presenting a high-pressure environment that left me overwhelmed. Westgate representatives claimed a "cheaper property" had just become available, but I declined this as well. Despite my repeated refusals, the high-pressure sales process restarted, with new representatives continuing to insist and push for a sale, which created an atmosphere of confusion and stress.
  The recorded closing cited by Westgate does not capture the full context of the sales process I endured. I felt manipulated and pressured into signing a contract against my better judgment after hours of aggressive sales tactics. This type of high-pressure environment does not reflect a fair or ethical sales process, and it undermined my ability to make a fully informed decision.
  In summary, the contract was entered into under significant pressure and undue influence from Westgates representatives. I believe this invalidates the agreement and warrants a full rescission of the contract.
  I urge the BBB to consider the circumstances Ive outlined and hold Westgate Resorts accountable for their high-pressure sales tactics, which are not in line with ethical business practices.
  Thank you for your time and attention.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:10/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  letter uploaded

  Business Response

  Date: 11/05/2024

  November 5, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  RE: ***** and ******** *******
         Complaint ID # ******** *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding ***** and ******** Mericles complaint.We thank you for the opportunity to respond.
  
  Mr.********, please be advised that a review of the complaint provided confirms that it is not regarding Westgate Resorts.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ************************************************************************ (Attn: ****** ****************

• Initial Complaint

  Date:10/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We Have gone through financial hardship, My wife started going to college so we have pleaded our case to Westgate a few times to see if we can be relieved of ownership and they have not been helpful we have been stuck with it to keep making monthly payments and HOA fees if not they would have to move our account to collections. We are still going through our financial hardship and wish to have this timeshare canceled. We were misled and pressured in the process of purchasing this timeshare. We appreciate your looking into our case..

  Business Response

  Date: 03/12/2025

  March 12, 2025
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:**** and **** ****
         Complaint ID # ******** - Account # *********** - *********
  
  Dear *** *************************************** Resorts is in receipt of your correspondence regarding *** and Mrs. ***** complaint. We thank you for the opportunity to respond.
  
  ***********, while we regret to read of *** and Mrs. ***** dissatisfaction with our previous response, please recognize that we have addressed their concerns accordingly; as such, our position remains unchanged, and the contract stands valid and enforceable.
  
  Furthermore,while *** and Mrs. ***** contract is valid and we are unable to provide cancellation, rest assured that Westgate is willing to work with them. Upon review of their account, it is not currently exhibiting extensive financial distress; nevertheless, *** and Mrs. **** are more than welcome to reach out to our *************************** at ************** to request a hardship application. Please be advised, they will need to fully execute the application and submit all requested documentation to the address listed on the application. Westgate will not review any applications where supporting documents are missing. Once the application is reviewed, *** and Mrs. **** will be notified in writing of Westgates decision.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ***********************************************************************************************************************************
  
  Ak/sp

• Initial Complaint

  Date:10/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The debt has been charged off however the debtor refuses to delete the account unless I sign up for another one or pay money. This is predatory lending behavior and I have tried numerous times to get something in writing from them to prove I no longer owe.

  Business Response

  Date: 10/28/2024

  October 28, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  
  RE: *** ******
         Complaint ID # ******** Account # *********** *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding *** ******* complaint.We thank you for the opportunity to respond.
  
  Mr.********, please allow us to clarify for the consumer that, while the account is in fact charged off, Westgate in no way has to remove the reporting from her credit report, and we will be amending it to reflect zero balances. The account itself will still have a charged off status.
  
  As for the opportunity Ms. ****** was offered if she becomes a Westgate owner again, this is well within Westgates rights as the original creditor to do so as the account would be altogether traded toward a new one. Choosing whether or not to accept is solely the consumers prerogative.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ************************************************************************ (Attn: ****** *.)
  
  Sb/am

• Initial Complaint

  Date:10/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it may concern,I am writing to formally complain about my deeply upsetting experience with Westgate Resorts, tied to Account #***********. Our stay at your resort was not only disappointing but also dangerous, unhygienic, and ****************** of the most alarming issues we faced was being forced to clean up human blood from our villa ourselves after reporting it to Westgate staff. Shockingly, no one was sent to handle this serious biohazard. In addition, exposed electrical wiring was left unsecured throughout the complex, posing a significant risk to both guests and staff. This dangerous negligence is unacceptable.When we arrived at the villa, advertised as accommodating 8 guests, we were only provided with 4 pillows. After requesting more, we were instructed to purchase additional pillows at ******* ourselves. This is a gross failure of customer service and unacceptable for the price we paid for our stay.During the stay, we made several noise complaints due to late-night parties taking place right outside our bedroom window. These complaints were completely ignored, and we were unable to sleep. Trash littered the walkways, and despite being clearly visible, staff repeatedly ignored it.The cleanliness of the villa was appalling. We found pubic hair in the hot tub and on the floor, as well as soiled undergarments. These are unsanitary and disturbing conditions, which reflect a severe lack of quality control.Our experience at Westgate Resorts was extremely distressing and far below any reasonable standard of hospitality. We demand a refund for the amount spent on this timeshare and request cancellation of our contract. We hope this matter is taken seriously and addressed promptly.

  Business Response

  Date: 11/05/2024

  November 5, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  RE: ********* *****
         Complaint ID # ******** Account # *********** *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding ********* ****** complaint.We thank you for the opportunity to respond.
  
  Mr.********* please be advised that Westgate has previously addressed these same concerns presented by Ms. ******* and requested additional information regarding her concerns, which to date, she has not provided. Notwithstanding,we ask her to understand that customer service, or any perceived lack of, is not grounds for cancellation. As such, her request is respectfully denied.
  
  We truly regret to read of any inconvenience or lack of quality customer service Ms. ***** may have experienced while being our valued guest, and we wish to assure her that it is Westgates desire that she always enjoy her vacation with us, and we will make every effort to meet her needs during her visit. We wish for the consumer to know that while on property, our management team is at her service to address any concerns she may have promptly, so she can continue to enjoy her vacation.
  
  In the interim, for further assistance regarding her ownership, we encourage ******** to contact our Contract Mediation Team at **************.While they do not provide contract cancellation services, they are committed to helping her. They will explore options that may be available to Ms. ***** to assist her with bringing her account current.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ************************************************************************ (Attn: ****** *.)
  
  Sb/am

• Initial Complaint

  Date:10/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute an unauthorized account listed on my credit report. I recently reviewed my credit report and found the following account that does not belong to me:Creditor Name: Westgate Resorts *** Opened Date: 8/17/2023 Account Number: *********** As a victim of identity theft, I have filed a complaint with ***************** to address this issue. I did not authorize this account, and it is imperative that it be investigated and removed from my credit report as it negatively impacts my creditworthiness.I appreciate your immediate attention to this matter.

  Business Response

  Date: 10/30/2024

  October 30, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:****** *******
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Ms. ******** complaint.We thank you for the opportunity to respond.
  
  We would like to clarify that Ms. ******* has a total of five (5) purchases with Westgate dating back to 2019. Each purchase contained the same identifying information that Ms. ******* used with her submission to the Better Business Bureau, as well as what was provided by the *************. This includes the same picture identification cards provided by her.
  
  Ultimately,Westgates position is that there is insufficient evidence to confirm identity theft;however, upon receipt of a completed investigation proving identity theft by an investigative authority, Westgate will revisit this concern and address it accordingly. In the interim, we can confirm that Ms. ******** account and contract are valid and the reporting will not be removed from her credit.
  
  For further assistance with her Westgate account, we ask that Ms. ******* please contact our **************************** by phone, at **************.Please keep in mind that these department referrals will not provide an altered response.
  
  We thank you for the opportunity to be of service. Should any further concerns arise following this response, please do not hesitate to reach out to us at the email below.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/am

• Initial Complaint

  Date:10/15/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a formal complaint against Westgate Resorts due to their lack of response to my repeated attempts to get assistance with my account and cancel my timeshare membership. I have been pursuing the cancellation of this timeshare for numerous months without success.Several circumstances have made it impossible for me to maintain and continue with this membership. I have never used the timeshare and have only incurred a high amount of debt as a result. I felt tricked and pressured into signing the contract. The process was made to seem like we were getting the best service, even meeting the manager who assured us it was a great deal. Everything was done so quickly that I didn't have time to fully understand the commitment I was making.We were promised that we could make a profit and receive free vacations, but we never received any free vacations. Instead, there were only coupons in our portal that required us to pay for the vacations. My only goal now is to cancel this timeshare as we are facing significant difficulties. I am the sole breadwinner, and my wife is currently sickly.I urge Westgate Resorts to address my concerns and provide information on how to proceed with the cancellation of my timeshare. Their lack of response is unacceptable and has caused us significant stress and frustration. I hope the BBB can assist in resolving this matter promptly. Thank you for your attention to this urgent issue.

  Business Response

  Date: 11/12/2024

  November 12, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  **************************************************************************************
  
  
  RE: ******* ******
         Complaint ID # ******** Account # *********** *********
  
  Dear *** *************************************** Resorts is in receipt of your correspondence regarding ******* ******* complaint.We thank you for the opportunity to respond.
  
  ************ first and foremost, we apologize if Mrs. ****** felt uncomfortable or pressured in any way while attending our sales presentation. Since there may have been offers presented on a first-come, first-served basis, depending on the available inventory, the representative may have expressed some urgency regarding the offer. However, she was never obligated to remain past the agreed-upon time or to purchase a timeshare. Ultimately, she had the right to inform the sales staff or closing officer of any discomfort to ensure proper action was taken,or refrain from purchasing if his concerns were not addressed to his satisfaction. Additionally, while Mrs. ****** has stated that she felt rushed through the signing process, we wish for her to know that had she informed the closing officer of this concern, they most certainly would have proceeded at a pace with which he was comfortable.
  
  Regarding Mrs. ******* claim that she was allegedly advised that the purchased timeshare interest had profit potential, as it is not possible to validate verbal statements, the Developer requires all owners to complete the Acknowledgment of Representations (AOR) document. With this document, the Developer strives to eliminate the possibility of any misunderstandings with regard to what may have been presented to Mrs. ******* which may have influenced her decision to purchase. Acknowledgments #3 and #5 show that Mrs. ****** purchased this property for personal use, that there were no representations made regarding investment or resale potential, and that the Developer does not have a rental or resale program to assist. Additionally, the Public Offering Statement (POS) discloses that, the purchase of a timeshare interest should be based upon its value as a vacation experience or for spending leisure time, and not considered for purposes of acquiring an appreciating investment or with an expectation that the timeshare interest may be sold.
  
  With respect to Mrs. ******* claim that she was advised she would receive free vacations, we kindly ask her to provide additional information, including any certificates she may have received, so that we may review her concerns adequately.
  
  As for the remainder of Mrs. ******* concerns, please be advised that Westgate has previously addressed them, and Mrs. ******* refusal to accept it in no way negates that. For your convenience, you may find a copy of Westgates previous response below for your review.
  
  Ultimately,Westgates position remains as previously set forth, that Mrs. ******* contract is valid and enforceable. We wish for her to know that we truly regret to read of the struggles she states she is currently facing. While her contract is valid and we are unable to provide cancellation, we wish to assure her that Westgate is willing to work with her during her hardship. Please advise ********** to reach out to our **************** Team at ************** to request a hardship application. Please advise her that she will need to fully execute the application and submit all requested documentation to the address listed on the application. Westgate will not review any applications where supporting documents are missing. Once the application is reviewed, Mrs.Budha will be notified in writing of Westgates decision.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ****** *., Executive Team
  Correspondence
  ********************************************** (Attn: ****** *.)
  
  Sb/am
  
  
  ******* *********
  Government Analyst II
  **************************
  Florida Attorney Generals Office
  PL-01 The Capitol
  *********************
  
  RE: ******** and ******* ******
  Account # *********** / Issue # *******
  
  Dear Ms. **********
  
  Westgates corporate office is in receipt of your correspondence regarding ***and Mrs. ******* complaint. We appreciate the opportunity to respond.
  
  Ms. ********** Westgate sincerely regrets any inconvenience the consumers may have experienced regarding their ownership. Due to the fact that timeshare real estate sales are highly regulated and contractual in nature, we have examined the documents *** and Mrs. ****** signed at the time of purchase. Please understand, it is not possible to validate verbal communications they may have had with the sales agent; therefore, the Developer requires all owners to complete the Acknowledgment of Representations (AOR) document. With the AOR,the Developer strives to eliminate the possibility of any misunderstandings regarding what may have been represented to them, which may have influenced their decision to purchase. Upon review of this document, their signatures indicate that they understood there had been no representations made regarding investment or resale potential of their timeshare, and that they purchased primarily for personal use.
  
  Although it is unclear what the consumers are referring to as for them receiving free vacations, we can confirm that once their account is paid in full, they would only be required to pay the maintenance dues and taxes, as long as they utilize their week as contracted, which is a Fixed/Holiday Week (Christmas Week, #**) in a 2-Bedroom Villa at Westgate Vacation Villas Resort during Even-numbered years.
  
  Our research concluded that no wrongdoing was found that would affect the validity of the consumers contract. Therefore, Westgate must respectfully deny their request for release. While cancellation is not an option, our sincere hope is that they will allow us to assist them in using their ownership as it was intended. To this end, we encourage them contact our Contract Mediation Team at ************** for assistance in bringing their account current to avoid further collection activity, up to and including foreclosure.
  
  Respectfully,
  
  ****** *******
  
  ****** ******** Account Manager
  Owner Relations Correspondence
  
  Telephone: ************** / Extension 8388
  Business Hours: Monday Friday / 9am 4pm, Eastern Time
  Email: ********************************************** (Attn: ****** *******)
  
  Acs/bp
  Attachment: Acknowledgment of Representations (additional copy)

• Initial Complaint

  Date:10/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We are filing this complaint regarding our timeshare experience with Westgate Resorts, under Account #***********. We have had multiple issues with Westgate and are deeply dissatisfied with both the purchase process and the subsequent handling of our concerns.We were promised a 90-minute presentation, but it lasted far longer. The high-pressure sales tactics created an uncomfortable environment, and while Westgate suggests we should have spoken up, this disregards the coercive nature of the situation. This pressure made it hard for us to voice concerns freely during the presentation.Despite promises of various benefits, such as locking off units and participating in exchange programs, we have had consistent issues accessing these perks. Availability is often extremely limited, and there are additional fees for bookings outside of our contracted rights, which were not disclosed initially. This significantly reduces the value of our purchase.Furthermore, Westgate's explanation regarding rental rate discrepancies between owners and non-owners is inadequate. As owners, we expected preferential treatment and fair pricing. Instead, non-owners receive steeply discounted packages, which is unfair to us as paying owners.Additionally, the maintenance and tax fees have been much higher than initially indicated. The lack of transparency around these fees feels deceptive, and this has further eroded the trust we once had in Westgate.Finally, when we inquired about a Warranty Deed in **** to resolve the matter, Westgate demanded a $3,500 fee to process it. We find this unacceptable, especially after the challenges weve faced. We request Westgate to waive this fee and consider some form of reimbursement.We are disappointed by Westgates dismissive responses and failure to address our valid concerns. We hope for a resolution that acknowledges our grievances and leads to a fair and satisfactory outcome. Thank you.Sincerely,*** & ***** ********

  Customer Answer

  Date: 10/19/2024

  Attached is the authorization - i was home sick the last 2 days from work and was unable to send this back until this morning -  Can we still proceed with our complaint? 

  Business Response

  Date: 11/01/2024

  November 1, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:*** ******** and ***** ********
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Mr. ******** and Ms. ********* complaint. We thank you for the opportunity to respond.
  
  ***********, please recognize that Westgate has addressed all of these concerns previously and Mr. ******** and Ms. ********* disagreement with our position does not negate this. As previously advised, our research has concluded that on the date of purchase, *********** and Ms. ******** received full and fair disclosure of all matters pertinent to the transaction. While they may not agree with our responses, absent documentation that would negate their signatures and prove any wrongdoing on Westgates part, our position remains that the contract is valid, legally enforceable, and will not be cancelled. Please keep in mind that, after the mandatory rescission period for cancellation has passed, it remains at Westgates discretion if a release option will be offered or any fees associated with these options. Ultimately, Mr. ******** and Ms. ********* request for this fee to be waived has been respectfully denied.
  
  For further assistance with your Westgate account, please contact our ****************************** by phone, at **************. Please keep in mind that these department referrals will not provide an altered response.
  
  We thank you for the opportunity to be of service.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/am

  Customer Answer

  Date: 11/04/2024

   
  Complaint: 22411594
  
  I am rejecting this response because

  
  Dear BBB Representative and Westgate Executive Team,

  
  Thank you for providing the opportunity to address Westgates response. While we recognize Westgates assertion that prior communications have taken place, we respectfully disagree with the conclusion that "full and fair disclosure" was provided at the time of purchase. Westgate's claim lacks supporting evidence. We request that Westgate provide detailed documentation proving clear, comprehensive disclosures were made at the time of signing, as well as any audio or video recordings that could confirm the sales presentation's content. Without such evidence, it remains our position that key facts were misrepresented or omitted during the sales process, directly influencing the decision to purchase.

  
  The verbal representations made by the sales team were significantly different from what was stated in the contract. These discrepancies include exaggerated benefits of ownership that were never realized and misleading information regarding usage flexibility and availability. Our complaint is rooted in the fact that the sales tactics used were designed to pressure buyers and create a false sense of urgency, which may constitute unethical practices. If Westgate believes these practices are standard, it raises serious concerns about transparency and fair treatment.

  The sales presentation was conducted under high-pressure conditions where we felt compelled to sign without adequate time to review the full terms. Additionally, Westgate did not adequately inform us of the process for cancellation within the rescission period, limiting our ability to exercise their rights effectively. Westgates response states that a waiver of fees or contract release is at their discretion. However, fairness dictates that discretion should be exercised in cases where misrepresentation is evident. Denying the fee waiver without considering the impact of the misleading sales process further underscores our position that this matter has not been adequately resolved.

  
  We acknowledge the mandatory rescission period; however, the initial disclosure of this period was obscured by the presentation format and pacing, which prioritized signing over genuine informed consent. Given the circumstances, fairness demands a reassessment of the contracts validity. We urge Westgate to reconsider its stance by fully examining the evidence and taking the sales tactics into account. If ********************** maintains that no discrepancies or violations occurred, we request that comprehensive proof be shared. Until Westgate can demonstrate that disclosures were made clearly and accurately, our position remains that the contract was entered into under misleading conditions and should be released without penalty.
  
  Sincerely,
   *** and ***** ********
  
  
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 11/14/2024

  November 14, 2024
  
  
  ****** ********
  Consumer Affairs Representative
  BBB serving Central Florida
  ************************************************************************************
  
  
  RE:*** ******** and ***** ********
         Complaint ID # ******** - Account # *********** - *********
  
  Dear Mr. *************************************** Resorts is in receipt of your correspondence regarding Mr. ******** and Ms. ********* complaint. We thank you for the opportunity to respond.
  
  We apologize if *********** and Ms. ******** felt uncomfortable or pressured in any way while attending our sales presentation. Since there may have been offers presented on a first-come, first-served basis, depending on the available inventory, the representative may have expressed some urgency regarding the offer. However, they were never obligated to remain past the agreed-upon time to receive your incentive or to purchase a timeshare. As the consumers,they have the right to inform the sales staff or closing officer of any discomfort to ensure proper action is taken, or refrain from purchasing if their concerns are not addressed to their satisfaction.
  
  Additionally, we sincerely regret any inconvenience Mr. ******** and Ms. ******** may have experienced during the closing process. The documents and the closing process are measures put in place to protect both Westgate and the consumers. Please keep in mind that if at any point they were uncomfortable with the speed of the closing, it would have been up to them to communicate this with the Closing Officer so the pace could be adjusted to their comfort level and refrain from purchasing if their concerns were not addressed to their satisfaction. Additionally, the State affords consumers a mandated rescission period, which allows consumers additional time to review their decision and their documents further at their leisure.
  
  If anything was found that *********** and Ms. ******** did not like, understand,or agree with, they were able to clarify with our representatives, and if they chose to, cancel the contract with no penalty, if they were within the rescission period. We ask Mr. ******** and Ms. ******** to understand that as consumers, it was their responsibility to ensure that what they acknowledged and agreed to, matched the information communicated in the documents. There is no legal requirement for the full disclosure to be completed verbally.
  
  Ultimately,Westgates position stands that full and fair disclosure of all purchase terms was provided to Mr. ******** and Ms. ******** at the time of sale, to include the financial obligations associated with the purchase. This is evidenced by their execution and our delivery of the contract documents as there is no requirement for full disclosure to be completed verbally. This is also held evident by their Receipt for Timeshare Documents as well as the Receipt for CD-ROM.Please know we will be forwarding these documents to Mr. ******** and *********** via the email on file so they may review. As the consumers, it remained as their responsibility to review all terms accordingly and ensure that what you were in agreement with matched the information disclosed in the documents. Mr. ******** and Ms. ********* choice to not review the necessary documents is not within Westgates control. Absent of documentation to support their allegations, the contract, as written, remains valid, enforceable, and not subject to cancellation.
  
  While Westgate is unable to control whether Mr. ******** and Ms. ******** choose to accept our offer of help, we again reach out to assist them. For further assistance with their Westgate account, we ask that Mr. ******** and Ms. ******** please contact our ****************************** by phone, at **************. Please keep in mind that these department referrals do not offer cancellation services nor will provide an altered response.
  
  We thank you for the opportunity to be of service. Please recognize that any future inquiry of a similar nature will be met with the same response.
  
  Respectfully,
  
  ***** *., Executive Team
  Correspondence
  Westgate Resorts
  ************************************************************************
  
  Ak/am

  Customer Answer

  Date: 11/15/2024

   
  Complaint: 22411594
  
  I am rejecting this response because: Westgate Resorts' response regarding my complaint, ID #********. I maintain that the sales and closing process was misleading and high-pressure, creating an environment where I was unable to make a fully informed decision. Despite Westgates position, several key issues remain unresolved, which is why I am requesting that my contract be canceled.
  First, I felt subjected to aggressive sales tactics that made it impossible to feel comfortable or properly informed during the presentation. The urgency and pressure communicated by your representatives left me with no room for thoughtful consideration. Simply suggesting that I should have voiced my discomfort does not remove Westgates responsibility to ensure an ethical and transparent sales experience.
  Second, while Westgate claims that full and fair disclosure was provided, I was not made aware of critical financial terms and long-term obligations in a way I could clearly understand. The rushed nature of the process prevented me from thoroughly reviewing all of the details, and the verbal assurances given by sales staff contradicted what was documented in the contract.
  Although you mention that the rescission period should have provided additional time to reconsider, I did not receive enough guidance on how to use this time effectively. The complexity of the documents and the short window available did not allow me to seek proper legal or financial advice. The stress and pressure I experienced during the presentation significantly undermined my confidence and led to a decision I was not fully prepared to make.
  While Westgate insists that the contract is valid and enforceable, I believe it is unfair to disregard the manipulative and unethical nature of the sales experience. I want to emphasize that I feel misled and trapped in a contract I did not fully comprehend because of the tactics that were used.
  Given all of this, I am asking Westgate Resorts to release me from my contractual obligations. I cannot accept a resolution that ignores the distressing and unethical practices I endured. Please consider this letter a formal appeal and a renewed request for cancellation.
  
  Sincerely,
  
  ***** ********