Business Profile

Timeshare Companies

Central Florida Investments, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

646 total complaints in the last 3 years.
219 complaints closed in the last 12 months.

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Submit a Complaint

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:08/06/2024
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.
Subject: Request for Timeshare Contract Cancellation To whom it may concern,We are formally requesting the cancellation of our timeshare contract, entered into in 2009. This request is due to high-pressure sales tactics, unmet promises, and increasing financial burdens.In 2009, we were pressured into a contract after attending a presentation at your resort. We were misled about receiving tickets to ****** World and faced aggressive sales tactics. Despite expressing financial concerns, we were convinced to purchase the timeshare, only to face more pressure in 2011 to buy additional ownership.Our financial situation worsened in 2021 when I was diagnosed with cancer and ********* lost her job. Unable to meet payments, we received no helpful assistance from the resort. Eventually, we were pressured into a downgrade contract in December 2021.We have only been able to use the timeshare four times, and the maintenance fees continue to rise. Given our ongoing financial hardship and my medical condition, we request the cancellation of our contract and a refund of all expenses.Sincerely,************************* and *******************************
Business Response
Date: 08/26/2024
August 26, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: ************************* and *******************************
Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ************************* and ************************** complaint. We thank you for the opportunity to respond.

*******************, please be advised that Westgate has previously addressed numerous concerns from **************** and ****************, and while they have changed the details of their gifting claim, Westgates position remains unchanged.

As for their claim that they have received no assistance from Westgate, please be advised that the downgrade they alleged to have been forced into was in fact assistance that reduced their purchase price by more than half and discounted the interest rate they were paying. We ask them to understand that this was solely done as a courtesy due to their financial distress.

Ultimately,Westgates position remains that the downgraded contract is valid and enforceable, regardless of use. While we are appreciative of their concerns,Westgate remains available to help. We encourage **************** and **************** to contact our *************************** at ************** for further assistance regarding their ownership.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ****************)

Sb/am
Initial Complaint
Date:08/06/2024
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.
Dear *** or Ms.,I am ***************************, writing to address issues with our timeshare contract with Westgate (#***********-020). My wife and I stayed in July 2021, encountering unexpected fees, rude staff, and a misleading 5-hour sales presentation. We were promised various benefits, none of which were fulfilled, and faced significant financial burdens, including unexpected maintenance fees and taxes.We feel misled by the sales representatives, who pressured us into purchasing and misrepresented costs and benefits. Despite clear refusals, they persisted, leaving us in a difficult financial situation. We've received no assistance from Westgate, and the promised buyback option has not been honored.We request to be released from this contract due to these misrepresentations and unfulfilled promises.Sincerely,******* and ************************* ************************************* ************************
Business Response
Date: 08/28/2024
August 28, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: ***************************
Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ********************** complaint.We thank you for the opportunity to respond.

*******************, regarding Mr. ******* claim that he was advised that Westgate would buy back his property, please be advised that Westgate does not have a buyback program. We encourage **************** to refer to his executed Acknowledgment of Representations (AOR) document, which clearly discloses this information.

As for the remainder of Mr. ******* concerns, please be advised that Westgate has previously addressed them and our position remains that full and fair disclosure of all purchase terms, including the pertinent financial information,was provided on the day of sale. As such, Mr. ******* contract remains valid and enforceable.

While we are appreciative of his concerns, Westgate is available to help. We encourage him to contact our Contract Mediation Team at ************** for further assistance. While they do not provide contract cancellation services, they are committed to helping him. They will explore options that may be available to **************** to assist him with bringing his account current.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ******************************
Initial Complaint
Date:08/05/2024
Type:Sales and Advertising 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.
Complaint Regarding Misleading TimeShare Sales Practices
Business Response
Date: 08/22/2024
August 22, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: *********************************
       Complaint ID # ******** Account # *********************

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding *********************** complaint.We thank you for the opportunity to respond.

********************, first and foremost, we wish to apologize to ************************** for the delay in our response to his previous correspondence provided directly to Westgate. We realize it can be frustrating waiting for a response. However, we ask him to understand that our research procedure is thorough and involves multiple departments working together to provide him with the affirmation that each of his concerns is being reviewed and researched in detail. This protocol ensures an accurate response with consideration to his concerns. As such, we are most appreciative of the patience he granted this process.

Regarding Mr. *********** concern with the presentation he attended, we sincerely apologize for any inconvenience he may have experienced due to the length of the presentation and if he felt uncomfortable in any way. We ask him to remember that he was only required to attend the presentation for the agreed-upon time and had no obligation to remain past that time or to purchase. Ultimately, it would have been at his discretion to inform the sales staff or closing officer of any discomfort to ensure that proper action was taken and refrain from purchasing if his concerns were not addressed to his satisfaction.

With respect to Mr. ************ claim that he was allegedly advised that the purchase of a timeshare interest would be an investment opportunity, 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 **************************, which may have influenced his decision to purchase. Acknowledgments #3 and #5 show that ************************** purchased this property for personal use, that there were no representations made regarding investment, rental, or resale potential, and that the Developer does not have a rental or resale program to assist him. Additionally, the Public Offering Statement (POS) discloses that the purchase of a timeshare interest should be based upon its value as a vacation experience 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 further respect to Mr. ************ allegation that he was advised the timeshare would significantly reduce vacation expenses, while this is verbal and cannot be substantiated, please be advised that at the time of purchase, ************************** was provided with the costs associated with his purchase. As such, it was his responsibility to ensure that the timeshare fit into his vacation and financial needs.

Moreover, with respect to his claim of free use in Florida, please allow us to take this opportunity to briefly explain Mr.************ ownership. Our records indicate that on July 3, 2022, ************************* purchased an ALL-Season week in a 2-Bedroom Deluxe Villa for annual use, with the first occupancy in 2023, at the Westgate Vacation Villas Resort. We ask ************************** to keep in mind that he purchased under the Floating Use Plan for reservations, wherein he does not own the use of a specific unit, but rather a certain unit type, based on availability. With a floating week, the consumer is provided flexibility, as he is not confined to a specific week. Therefore, he has the right to occupy his villa at his home resort during his current year and season of ownership without being charged additional fees. As reservations are based on availability, to improve the likelihood of securing desired travel dates,Westgate allows owners to book reservations up to eleven (11) months in advance of their travel dates. As for Mr. ************ claim that he was advised guests with a rental reservation could not check in without an owner present,please advise the consumer that as long as a rental reservation is booked in the guests name, there is no requirement that an owner be present.

Additionally, with respect to Mr. ************ concern with limited access, please be advised that the consumers Contract for Purchase and Sale (Contract) clearly states that he purchased one timeshare interest every year. This is further detailed within his POS.As a benefit, ************************** does have options to theoretically expand his travel options, including splitting his week, Getaways, and Short Stays with ********************** (II). For more information regarding Getaways and Short Stays, the consumer can contact II at **************.

As for Mr. ************ claim regarding the state-mandated rescission period, please be advised that the rescission period was clearly disclosed within the Contract, including the timeframe for rescission. This clause also provides clear instructions had the consumer decided to cancel within the rescission timeframe.

Ultimately, full and fair disclosure of the purchase terms, including the interest rate, was provided on the day of sale.As such Westgates position is that Mr. ************ contract is valid and enforceable. While we truly regret to read of the struggles the consumer states he is currently facing, we wish to assure him that Westgate is available to help. We encourage ************************** to contact our **************** Team at ************** for further assistance. While they do not provide contract cancellation services, they are committed to helping him. They will explore options that may be available to him to assist him with bringing his account current with any financial difficulties in mind.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ****************)

Sb/sp
Customer Answer
Date: 08/25/2024

Complaint: 22094564

I am rejecting this response because:

Sincerely,

*********************************
Customer Answer
Date: 08/26/2024

August 26, 2025

Subject: Rejection of Response
Good morning,
I am writing to inform you that I reject their response to my complaint. My concern is not about the validity of the contract, but rather about the unethical practices used to convince me to purchase the timeshare by providing false informationinformation that directly contradicts their own rules and procedures. For that, I request that they cancel the contract between me and them.
This is the basis of my complaint, and I am seeking a resolution that acknowledges the misleading tactics employed by your sales agent. I request that this matter be addressed promptly.
Sincerely,
*********************************
Business Response
Date: 09/04/2024
September 4, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: *********************************
       Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding *********************** complaint. We thank you for the opportunity to respond.

*******************, please be advised that ************************** has failed to provide supporting documentation for his claims, nor has he provided any new claims for Westgate to research and review. As such, Westgates position remains as previously set forth.

While we are appreciative of his concerns, Westgate remains available to help. We again encourage ************************** to contact our *************** Team at ************** for further assistance regarding his ownership.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ****************)

Sb/am
Customer Answer
Date: 09/10/2024
*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: **************
   Complaint ID # ******** Account # *********** *********

As recommended by **************, I called ************ at 10:45 AM today, September 10th. The call was recorded by the agent **** (User ID: MOHAMME) and also by me, with her consent. **** informed me that my account case was closed. She then put me on hold to consult with her supervisor for further investigation. After the call, she stated that the only period I was eligible to request account cancellation was [1 week after signing the papers with WESTGATE], which contradicts the contract that states a 10-day window. The supervisor then mentioned that the account must remain open until it is fully paid off.
Is this the resolution ************** asked me to seek? From my very first contact with Westgate, I made it clear that I wanted to cancel the contract. I no longer trust your company. You have misled me, and I do not wish to continue doing business with you. Additionally, you claim I failed to provide documents, but I do not feel comfortable sending you my tax and bank information because I do not trust Westgate.
I will continue to pursue this. The Westgate sales agent lied to me to persuade me into purchasing the apartment. Every time Ive called to request a cancellation of the contract, Ive been given information by various agents that often contradicts Westgates policies. Their dishonesty has caused me harm, and I do not wish to be hurt any further. I am kindly requesting that they cancel my contract with them.

*********************************
Initial Complaint
Date:08/05/2024
Type:Order Issues
Status:
ResolvedMore 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.
This is our second letter to this establishment to cancel our timeshare contract after we were denied through a generic letter after our first correspondence.Since purchasing, the timeshare has not lived up to our expectations and we were made promises to get us to purchase that were not kept. During our presentation, we were kept for 8 HOURS until we agreed to sign the timeshare contract although they said it would only take 90 minutes. The pressure was applied by multiple people from the sales team and then the sales manager. We were told we were purchasing a week of vacation time to be used every year, when it really is only 3 days every other year. That is a huge difference and disappointment. We were told that during stays we would have access to a full concierge service, ensuring our stay was everything we expected. This, again, was not true. We were shown rooms that were in immaculate condition,but the rooms we were provided are in a state of disrepair and dirty. To spend over $3200 annually and now $651 bi-annually (increases every other year) to only be able to stay for 3 days every other year is not cost-effective.We were finally able to use the timeshare once, but instead of using the saved year, we were forced to use the current year that could have been rolled over. This led to us losing an entire years worth of usage, even though we had paid for that time already. This is a major flaw in your reservation system! While using the timeshare, the unit was in horrible condition, despite the fact the hotel had been closed due to COVID and was still receiving payments from owners.The money that was wasted did not meet the expectations of what was presented in the timeshare sales presentation.Multiple lies were told by the sales team to make this sale and a lot of money was spent to retain a timeshare that we couldn't use and was extremely below expectations. Sincerely,********************* & ***************************
Business Response
Date: 08/22/2024
August 22, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:*************************** and *********************
Complaint ID # ******** - Account # *********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ************************ and Ms. ******** complaint. We thank you for the opportunity to respond.

*******************, please be advised that Westgate has addressed ************************ and Ms.******** concerns previously. While we regret to read of their feelings about Westgate, please know that absent supporting documentation to serve as evidence of their claims, Westgates position remains unchanged. As such, we will be forwarding an additional copy of our response to ************************ and ******************,via the email on file, for further review.

Ultimately,the contract, as written, remains valid and enforceable. Nonetheless, as we continue to deeply value ************************ and 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 ************************ and ****************** 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: 08/22/2024

Complaint: 22093367

I am rejecting this response because: They are not providing a resolution to the unethical business practices.

Sincerely,

Jacsyn And *************************** And *******
Business Response
Date: 08/27/2024
August 27, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:*************************** and *********************
Complaint ID # ******** - Account # *********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ************************ and Ms. ******** complaint. We thank you for the opportunity to respond.

A review of ************************ and Ms. ******** correspondence confirms that they have not provided any new allegations for Westgate to research and no additional documentation in support of their previous ones. As previously advised, our research has concluded that on the date of purchase, *********************** and ****************** received full and fair disclosure of all matters pertinent to the transaction. While they may not agree with our responses,Westgate has addressed their concerns, and absent documentation that would negate their signatures, Westgates position remains that ************************ and Ms. ******** contract is valid, legally enforceable, and will not be cancelled.

We urge ************************ and ****************** to contact our ***************************** directly at **************, for assistance with their account to avoid continuing collection activity up to and including foreclosure. Please be advised any future inquiries of the same nature will be met with a similar response moving forward.

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 below.

Respectfully,

**************, Executive Team
Correspondence
Westgate Resorts
**********************************************

Ak/sp
Customer Answer
Date: 08/27/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

Jacsyn And *************************** And *******
Initial Complaint
Date:08/05/2024
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.
Dear Better Business Bureau,I am writing to file a complaint against Westgate Resorts for their fraudulent and deceptive practices in selling my military family a timeshare, causing us significant financial and emotional distress. Despite our repeated refusals, their representatives used high-pressure tactics to coerce us into purchasing.On December 17, 2022, we attended what was advertised as a 90-minute sales presentation in *********, which turned into a four-hour ordeal. Sales representatives ********************************* and *********************** were particularly persistent, dismissing our refusals and bringing in additional representatives to pressure us into signing the agreement.We have never used the timeshare. We were not informed about the extensive fees or that we could only use it every other year after paying substantial maintenance fees. This crucial information was deliberately withheld. Moreover, the timeshare is inaccurately reported to our credit as a mortgage, severely impacting our credit score.We have repeatedly asked Westgate Resorts to cancel this timeshare due to the fraudulent circumstances, but our requests have been ignored. The financial obligations and the deceptive nature of the agreement have caused immense stress and hardship.We respectfully request the BBB to intervene and help us cancel this timeshare agreement. Our military family has suffered enough, and we urgently need your assistance.Thank you for your attention.Sincerely,***********************
Business Response
Date: 09/03/2024
September 3, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: ***********************
Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ******************* complaint.We thank you for the opportunity to respond.

*******************, please be advised that Westgates position remains as previously set forth on multiple occasions with regard to the presented concerns. Ultimately,full and fair disclosure of all the purchase terms was provided on the day of sale. As such, Ms. ****** contract remains valid and enforceable.

While we are appreciative of her concerns, Westgate remains available to help. We again encourage her to contact our **************** Team at ************** for further assistance regarding her ownership.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ****************)

Sb/am
Customer Answer
Date: 09/03/2024

Complaint: 22093334

I am rejecting this response because

I request the immediate cancellation of my timeshare contract. Despite the assertions made in your previous correspondence, it is clear that my initial decision to purchase this timeshare was made under misleading circumstances and without full disclosure of the financial and legal obligations involved. First and foremost, I would like to reiterate that the responsibilities and terms associated with this ownership were not adequately communicated to me at the time of sale. While your response claims that full and fair disclosure was provided, this does not reflect my experience. The rushed nature of the sales process, coupled with the verbal assurances that contradicted the written documents, left me without a clear understanding of what I was agreeing to. This lack of transparency is unacceptable and further emphasizes the need to terminate this contract. Furthermore, the suggestion that I entered into this agreement fully informed is inconsistent with the documented concerns I have raised repeatedly. My complaints, which have yet to be satisfactorily addressed, include the presentation of this timeshare as a viable investment opportunity and the subsequent misrepresentation of its actual value and resale potential. These representations were a significant factor in my decision-making process, and their inaccuracy constitutes a breach of trust that renders this contract untenable. Additionally, your correspondence references my military status and the completion of the Military Lending Act Disclosure document. While my spouse was not active-duty at the time of purchase, our military background was indeed a factor that your sales team exploited during the sales process. The targeted marketing and pressure tactics directed at us as a military family are both unethical and inappropriate, further reinforcing my position that this contract should be voided. It is also important to address your statements regarding credit reporting. The adverse impact this timeshare has had on my financial standing and credit score is a direct result of the misleading information provided during the sales process. Reporting this loan as a mortgage without clear communication of its implications was a significant disservice and has placed an undue financial burden on my family. In light of the above, I am requesting the immediate cancellation of my timeshare contract. I believe this is the only fair and just resolution given the circumstances. Continuing to enforce this contract, despite the clear issues of misrepresentation and lack of disclosure, would be both unethical and legally questionable. I expect a prompt response to this request. If Westgate Resorts continues to refuse the cancellation of my contract, I will have no choice but to pursue further legal action. I look forward to your timely resolution of this matter. However, why continue to hold a family into a timeshare that serves no purpose. That is simply inhumane.
Best Regards,
***********************
Business Response
Date: 09/09/2024
September 9, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: ***********************
Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ******************* complaint.We thank you for the opportunity to respond.

*******************, regarding Ms. ****** claim that the sales process was rushed, we ask her to recall that in a previous claim that she submitted to Westgate she stated that she and ************** were extremely tired due to this extremely long sales presentation that went well over 90 minutes. Her previous statement wholly contradicts this new allegation.

As for the remaining allegations, please be advised that these have been addressed in detail, whether the consumer chooses to acknowledge this or not. Moreover,************** has been made aware that she is well within her rights to escalate her concerns to other forums as she sees fit, and that Westgates position remains unchanged.

While we are appreciative of her concerns, Westgate remains available to help. We again encourage ************** to contact our **************** Team at ************** for further assistance regarding her ownership.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ******************************
Customer Answer
Date: 09/09/2024

Complaint: 22093334

I am rejecting this response because I am request my immediate release from my Westgate timeshare contract. I have attached the very first letter I sent to Westgate outlining the numerous accusations and issues *** encountered. These ongoing concerns are the direct reasons for my request, and I believe it is both misleading and inhumane to keep someone bound to a timeshare under these conditions.

One of the most pressing issues is the classification of the timeshare loan as a mortgage. This is not only misleading but also inaccurate. I have learned that many active-duty service members face jeopardy to their security clearances due to timeshare foreclosures, which presents a potential threat to national security. Additionally, I am aware of the recent *Steins v. Westgate* lawsuit adjudicated in the Florida courts. In that case, the Florida District Court judge ruled that a timeshare contract does not meet the legal definition of a mortgage, recognizing that such a classification is inconsistent with lending practices of recognized institutions like ****** *** and ******************. We are hopeful the appellate court will rule in favor of the consumer.

It is important to note that my husband is a veteran, and unlike a traditional residential mortgage, which is financed at 6% to 7%, timeshares are financed at rates as high as 12% to *****%. Furthermore, it is nearly impossible to sell a timeshare when there is an outstanding mortgage on the account.

****** *** and the ************************************ both define a timeshare loan as an installment loan rather than a mortgage, which is far less damaging on a credit report in the event of a default. ****** ***, in particular, states that a timeshare should be treated as installment debt regardless of how it is reported on the credit report or other documentation (even if reported as a mortgage loan).

For all these reasons, I am formally requesting an immediate release from the timeshare contract. I trust you will treat this request with the urgency and attention it deserves.

Thank you for your understanding and cooperation.

Sincerely,
***********************

***********************
Initial Complaint
Date:08/02/2024
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 at Westgate,Our experience with the Westgate timeshare has been disappointing. We believed it would offer perks and savings, but instead, we've spent more money without ever visiting our supposed resort in *********, Florida.During a trip to ************, we were offered free food and a small vacation if we attended a seminar. The seminar lasted over five hours, and we were pressured into signing up. The deal seemed appealing as an investment, promising easy and cheaper vacations with more amenities. **** received a business license he never used and a ***************************** credit card, with $500 taken off for the initial payment.We feel misled, especially since we were told we could only use "our resort" when it was vacant, despite paying maintenance fees regardless. This has caused financial strain and stress, contrary to the relaxation we were promised. We request to cancel this contract and receive a refund for any applicable amounts.Sincerely,**** and ******************************* *********************************************************** **************************
Business Response
Date: 08/22/2024
August 22, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:**** and *******************************
Complaint ID # ******** - Account # *********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding *** and Mrs. ********* complaint. We thank you for the opportunity to respond.

Please be advised that Westgate has addressed *** and Mrs. ********* concerns previously. While we regret to read of their feelings towards Westgate, please know that Westgates position remains unchanged. As such, we will be forwarding additional copies of our responses to *** and *********************, via the email on file, for further review.

Ultimately,the contract, as written, remains valid and enforceable. Nonetheless, as we continue to deeply value *** and Mrs. ********* 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 *** and ********************* 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 address listed below.

Respectfully,

**************, Executive Team
Correspondence
Westgate Resorts
**********************************************

Ak/bp
Initial Complaint
Date:08/02/2024
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.
To Whom It May Concern,Re: Urgent Request for Cancellation - Contract #*********** We pen down our grievances as long-standing Westgate Owners, residing at the ***************************************** in *******, **. It is with increasing frustration that we demand the immediate cancellation of our timeshare contract.Over the years, our visits have been marred by incessant insistence on attending presentations,purportedly to review the benefits of our ownership. Despite our consistent objections and assertions that we neither need nor desire such presentations, the resort has persistently forced our participation. These sessions, promised to last only an hour, inevitably extend to 2 or 3 hours, featuring grandiose plans for property expansion that never materialize.The high-pressure tactics employed during these presentations, emphasizing the supposed increase in the value of our ownership, have become a tiresome routine. Furthermore, coercive attempts to push additional weeks, framed under the guise of investment, have resulted in a mortgage burden exceeding $700/month. As retirees with a declining income, this financial strain renders the membership practically unusable, and the prospect of paying it off within our lifetime is bleak.Our initial intention to provide our children with a vacation resource has proven futile, as their disinterest in the timeshare was met with persistent attempts to sell them additional memberships. Given these untenable circumstances and the financial burden imposed, we demand the immediate cancellation of our timeshare contract.This decision is not only crucial for our financial well-being during retirement but also to prevent burdening our children with an unaffordable legacy. We expect prompt action in response to this urgent request.Sincerely,***** and *********************
Business Response
Date: 08/28/2024
August 28, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
**********************************************************************************************

RE: ***** and *********************
Complaint ID # ******** Account # *********** *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ***** and *********************** complaint. We thank you for the opportunity to respond.

*******************, regarding *** and ***************** concern with their heirs inheriting their ownership, as each owners situation is unique, we encourage *** and ************** to consult with a professional legal advisor regarding the inheritance process.

As for the remainder of *** and ***************** concerns, please be advised that Westgate has previously addressed them, and our previously conveyed position remains unchanged.

While we are appreciative of *** and ***************** concerns, Westgate is available to help. We encourage them to contact our **************** Team at ************** for further assistance. While they do not provide contract cancellation services, they are committed to helping them. They will explore options that may be available to *** and *************** to assist them with bringing their account current.

We thank you for the opportunity to be of service.

Respectfully,

****************, Executive Team
Correspondence
********************************************** (Attn: ****************)

Sb/am
Customer Answer
Date: 08/29/2024

Complaint: 22083187

I am rejecting this response because:

Sincerely,

***** And *********************
Initial Complaint
Date:08/01/2024
Type:Product Issues
Status:
ResolvedMore 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.
On 6/21/24, I called Westgate developer services at ************ when learning I could file for voluntary surrender of my timeshare deed which I have had for over 20 years. This is not publicized or I would have done it years ago.I had to pay a timeshare administrative fee of $2500 and was immediately charged on my credit card I was told I would receive a receipt via email after this. I had to email them and did not get this receipt until 6/24/24. (Approval # ****** $2500 TAF charge)In the receipt, and from what I was told by the agent, I was to get papers (a quit claim deed and other documents) via **** to arrive in 7-10 business days. I would have to fill these out and then return them to finalize the surrender. They said once they have the papers I send back it would take months to finalize.I waited until 7/28/24 which was 22 business days later. At this time, I emailed them (on the email string they had from which they had corresponded with me) stating I expected my paperwork.Today, 8/1/24, I still had not received anythingvia mail or email as a response. In my receipt sent by Westgate developer services ********************************************** for the *** (voluntary deed back program), it says if I had any questions, to contact the document management department at ************. I spoke with ***** who said it takes 45 days to get a letter my account closed. I notified him of the situation; however, despite this being the document mgmt ***** he only emailed developer services and said he hoped they write him back. His story was they forgot to update your status so nothing was sent out. I waited 25 minutes to hear this.Westgate never sent me the papers promised so I can get out of this timeshare. I am convinced they are delaying on purpose so Ill inevitably have to pay more maintenance fees. I dont want to pay $2500; however, I will do it if it ends this nightmare. But I will NOT let them rob me.
Business Response
Date: 08/19/2024
August 19, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:*************************
Complaint ID # ******** - Account # ********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding Ms. ********* complaint. We thank you for the opportunity to respond.

We apologize for any lack of response or update ******************** may have experienced.Nonetheless, we remain here to offer her clarification. Please know that we have contacted our ***************************** and they have issued an email confirmation of the closure of the account as of August 16, 2024. Additionally,they will be sending out a hard copy of such to the address on file within the next thirty (30) days.

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: 08/19/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
Date:08/01/2024
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.
To Whom It May Concern,I hope this letter finds you well. I am writing to address several issues concerning our timeshare contract with Westgate (Contract #: 55944214406-020).During the sales presentation, we were promised incentives, including breakfast, $100 cash, and a free three-day vacation, regardless of our decision to purchase. While we received the cash and breakfast, the promised vacation was never provided, despite multiple follow-ups.We were also misled about the terms of our package. We were told we could use our week flexibly, but discovered that splitting days incurs additional costs and is restricted to weekdays. Additionally, the fee for rolling over unused weeks was not disclosed initially.Furthermore, we were informed of platinum member benefits, including vacation cruises and international trips, which turned out to be false. We were pressured into an upgrade to "WestGate Cruise and Travel" without our explicit approval, leading to an extra monthly fee of about $180 until a $2,500 upgrade fee was paid off.Our maintenance fees, initially quoted as $800, later increased to $900 due to undisclosed taxes. These issues, coupled with unmet promises and hidden fees, have caused significant financial strain and disappointment.Given these concerns, we request the immediate cancellation of our timeshare contract and a full refund of all payments made. We expect a prompt and fair resolution.Thank you for your attention.Sincerely,******** & ***********************
Business Response
Date: 09/05/2024
September 5, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:************************* and *******************************
Complaint ID # ******** - Account # *********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ************ and Ms. ********* complaint. We thank you for the opportunity to respond.

Please be advised that on January 29, 2024, ************ and Ms. ********* account was cancelled via Purchasers Default due to non-payment. Westgate holds the right to retain all monies paid as liquidated damages; therefore, no refund will be issued. They are no longer the owners-of-record, and have no further contractual obligations to Westgate Resorts.

We thank you for the opportunity to be of service.

Respectfully,

**************, Executive Team
Correspondence
Westgate Resorts
**********************************************

Ak/am
Initial Complaint
Date:07/31/2024
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 believe it is essential to bring to your attention the financial hardship that my spouse and I are currently facing, which necessitates the immediate cancellation of our timeshare contract.Throughout the purchasing process, we experienced overwhelming pressure to buy, accompanied by promises of the property serving as a lucrative investment with substantial growth potential. In consideration of our young children at that time, I compromised my financial well-being to commit to this investment. However, the reality has proven to be vastly different from the assurances provided.The maintenance fees associated with the timeshare have become an insurmountable burden for us. Initially manageable, these fees have consistently increased every two years, irrespective of our utilization of the villa. The exponential growth in these fees over the years has far exceeded my income, reaching a point where it now surpasses my merit pays. As my spouse and I are now retired and living on fixed incomes, this situation has become a significant financial strain.Adding to our challenges, this year has brought a surge in the cost of living, including inflation in gas, food, utilities, and increased taxes. This, coupled with our other medical conditions that require us to cover 20% of out-of-pocket expenses, has led to overwhelming anxiety and depression, adversely affecting our overall well-being.Despite sincere efforts to trim expenses wherever possible, managing the costs associated with the timeshare has proven impossible. In light of our current financial predicament, I kindly request the prompt cancellation of our contract with the resort. I understand that contractual obligations exist, but I believe our circumstances warrant compassionate consideration.I appreciate your understanding and prompt attention to this matter. I look forward to resolving this issue amicably and appreciate your assistance in alleviating our current financial burden.
Business Response
Date: 08/26/2024
August 26, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:***************************
Complaint ID # ******** - Account # ********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ****************** complaint.We thank you for the opportunity to respond.

Please understand that we have previously addressed ****************** concerns and have provided them with a hardship application to aid them with their account and any financial challenges they may be experiencing. As of the date of this response, this application has not been returned to Westgate. With this, our position remains unchanged. If ****************** wishes to consider our offered assistance, she has the necessary resources and materials to start the process.

Ultimately,****************** contract, as written, remains valid and enforceable. Nonetheless,as we continue to deeply value ****************** relationship with Westgate Resorts and remain committed to providing her with the highest level of service, we encourage her to reach out to our department referrals as they aim to provide owners with direct assistance with their accounts. For further assistance with her Westgate account, or the hardship application, we ask that ****************** please contact our **************************** by phone, at **************.Please keep in mind that these department referrals do not offer cancellation services nor will they 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
Customer Answer
Date: 08/27/2024

Complaint: 22073810

I am rejecting this response because:
I appreciate the hardship application provided. However, not all hardships are easily documented. My situation is one such case, where the challenges I face are not readily captured on paper. Therefore, I am unable to submit the requested documentation.

My primary request is the cancellation of the timeshare. As a consumer, I believe I have the right to cancel, especially given that the timeshare has not provided any tangible benefits to us. Furthermore, I feel that we were misled and coerced into signing the agreement through tactics that did not fully disclose the implications or provide a fair opportunity to reconsider.

I kindly ask that you reconsider my request to cancel the timeshare and relieve us of any further obligations.

Sincerely,

***************************
Business Response
Date: 09/04/2024
September 4, 2024

*****************************
Consumer Affairs Representative
BBB serving Central Florida
********************************************************************************************

RE:***************************
Complaint ID # ******** - Account # ********** - *********

Dear ********************,

Westgate Resorts is in receipt of your correspondence regarding ****************** complaint.We thank you for the opportunity to respond.

Ultimately,Westgates position stands that the contract is valid and enforceable.Nonetheless, should ****************** bring the maintenance and taxes on account current, as this is one of the requirements to apply for our Legacy Program,we highly encourage her to reach out to our ***************************** to see what options may be available regarding her ownership. Please also keep in mind that there may be fees associated with this process. They may be directly reached at **************. For further assistance with bringing her account current, 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 below.

Respectfully,

**************, Executive Team
Correspondence
Westgate Resorts
**********************************************

Ak/am
Customer Answer
Date: 09/10/2024

Complaint: 22073810

I am rejecting this response because:
Why does the resort continue to keep us bound to this contract, knowing we cannot meet the payments? It is hard to understand why our situation isn't being taken into consideration. We have been struggling emotionally as well, experiencing depression and anxiety because of the stress caused by this timeshare.

Sincerely,

***************************

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