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

647 total complaints in the last 3 years.
222 complaints closed in the last 12 months.

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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:12/31/2024
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 am contacting you all to describe the horrible, unprofessional, and unethical experience we are having with Westgate resorts. On 9/29/, we purchased a timeshare without giving all the necessary knowledge to make a thoughtful decision. Our presentation with **** *******, lasted well over 2.5 hours and was only slated for 90 minutes. Upon saying no 3 times, his manger, ********** then proceeded to say we'd get extra incentives, which we later found out to be a scam. They used the connection of church to speak with us because he saw we were in Christian apparel, another way he pressured us. Initially he promised us no maintenance fee until 2027, but upon checking 2 weeks later, we in fact have a fee of $1460 (originally slated to be $1275). they told us that we would be able to come any person (all seasons, as stated in the contract), but when trying to book, there were dates blocked off. We were never told we had 10 days to resend our contract for cancellation, and also never told about the increase of the maintenance fees. Nov 1st we contacted **** about cancelling, he didn't return our attempts until Nov 3. Upon calling, two different representative via Westgate told my husband we could a) downsize for cheaper cost (**** from account services), or b) consider the legacy program. After 7 different phone calls, we found out that a) down sizing wasn't an option even though we were told them by their company, and b) we didn't qualify for the program, even though no one to this date has said what the qualification are. We later found out that even though we paid for a newly renovated 2 bedroom, it may not be available whenever we decide to vacation. They also take the payment via CC and it states 'mortgage' which is no longer states. We also were unaware to sell timeshares you have to be a real estate agent, and **** was not so the contract should be null void. I have more information I can share but not enough characters. We'd like help getting out of the contract.
Business Response
Date: 02/07/2025
February 7, 2025

****** ********
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.********* first and foremost, regarding Mrs. ****** concern with any delay in Westgates response to *** ****** correspondence provided to Westgate directly,we sincerely apologize for any inconvenience she may have experienced while awaiting our response. That being said, we ask her to remember that she was made aware that we are currently working with a reduced staff via email, which you may find a copy of below.

Regardless,we sincerely apologize for any inconvenience *** ***** may have experienced due to the length of the presentation she attended and if she felt pressured or uncomfortable in any way. 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, ******** was never obligated to remain past the agreed*upon time to receive her incentive 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 her concerns were not addressed to her satisfaction. Additionally, we can confirm that our records as well as a review of the recorded closing confirm that *** ***** left with her contract documents saved to a USB drive, in accordance with all laws. This is also evidenced by the executed Receipt for Timeshare Documents and Receipt for CD*ROM/USB,which we will be sending *** ***** copies of to the email address on file.

Regarding the licensing claim *** ***** references, please be advised that it is not a state requirement for Westgate sales representatives to be licensed. As for her concern with how the credit card payments may be displayed, we sincerely apologize for any inconvenience she may have experienced as a result.

With respect to *** ****** claim that she was allegedly advised she could utilize her ownership anytime, please allow us this opportunity to briefly explain her ownership. Our records indicate that on September 29, 2024, *** ***** purchased an ALL*Season week in a 2*Bedroom Deluxe Villa for use during odd*numbered years, with first occupancy in 2025, at the Westgate Town Center Resort. We ask *** ***** to keep in mind that she purchased under the Floating Use Plan for reservations, wherein she does not own the use of a specific unit, but rather a certain unit type, based on availability. Therefore, she has the right to occupy her villa at her home resort during her 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.Moreover, please be advised that her ownership is not limited by blackout dates, only holiday weeks that require additional fees for use.

As for *** ****** concerns with the associated maintenance dues and taxes (M&T), please be advised that while they can increase over time as disclosed in the executed Closing Disclosure, the consumer is clearly excluding the tax portion of her fees and only referencing maintenance. If she adds the amount of maintenance and taxes together, as disclosed on the executed Proposal Review, she will see why the amount is higher. Additionally, on the same form, provided by *** ****** it also clearly discloses that the first occupancy year is 2025. This is further disclosed and reviewed during the previously mentioned recorded closing. Notwithstanding, if *** ***** would like, Westgate is willing to move the first occupancy year to 2027, which will move the M&T fees to 2027 as well.

Concerning *** ****** claim that she was allegedly advised of downsizing, after a review of each of the calls mentioned, the consumers claim that Westgate offered her a downgrade is wholly unsupported as neither agent advised the consumer would be downgraded, only that she could ask if it was an option. First and foremost,**** did not offer a downgrade after ***** ****** the second owner, called in requesting to downgrade because he had been advised he could not cancel. From there, **** attempted to provide Mr. ***** with information regarding our *************** Program (TPP) which Mr. ***** was not interested in. **** subsequently attempted to transfer Mr. ***** to our ***************************** to possibly discuss his request, but the transfer was ultimately not successful, as the department was having a team meeting.

The next day, **** spoke to Mr. ***** and clearly advised that the only option ***************** had was to sell on their own. **** advised that the ***************************** does not handle downgrades and then, at Mr. ****** request, advised exactly what the ***************************** does as well as the requirement to participate in the Legacy Program. This being that the account must be cashed out and up to date. After more questions about downgrading from Mr. ****** **** suggested that he speak with our sales team about his downgrade request.

Finally,regarding *** ****** claim that she was not informed about the state*mandated rescission period, please be advised that the terms for rescission were clearly disclosed within the Contract for Purchase and Sale (Contract),including the timeframe. Westgate fully complied with its legal duty conspicuously disclosing the mandatory terms of rescission in the Contract,and we are not required to verbally disclose this information. Additionally,our records indicate that *** ****** initial inquiry for rescission occurred well outside the mandated timeframe. As for *** ****** claim that she attempted to contact the sales representative within the mandated rescission period with no response, while previous claims regarding difficulties contacting the agent have been contradictory, if the consumer has supporting documentation for her claims, we encourage her to provide it for further review.

Mr.********* ultimately, absent *** ***** providing the aforementioned phone records, Westgates position is that her contract is valid and enforceable.While we are appreciative of *** ****** concerns, Westgate is available to help. We encourage the consumer to contact our **************** Team at ************** for further assistance. While they do not provide contract cancellation services, they are committed to helping her. They will explore options that may be available to *** ***** to assist her with bringing her account current.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/bp

From:Correspondence Team
Sent: Thursday, January 9, 2025 9:12 AM
To: *************************** <**********************************>
Subject: Westgate Resorts * Brown * Account # *********** * *********

Dear Mrs. ******

Westgate is in receipt of your correspondence. Be advised that we are currently operating with reduced staff. We apologize as this will cause a delay in our response time. Upon completion of our research, we will be responding to the email address listed on file; therefore, please ensure your contact information is updated. If you need to make any changes, you may contact our **************** Team at ************** / option 4, or go to the owners online portal at ************************************.

Rest assured, we continue in our commitment to provide you with the utmost level of customer service and appreciate your patience during this time.

Sending additional correspondence prior to receiving a response to this letter may delay the response process.

Respectfully,

Executive Team
Correspondence
Westgate Resorts
************************************************************************
Customer Answer
Date: 02/07/2025

Complaint: 22752630
I am rejecting this response because the contract provides no protection against being misled about renting as a way to offset costs. While the contract mentions renting, it fails to disclose the significant obstacles that make this unfeasible. A realtor informed me that selling a timeshare as a rental investment is illegal. Public records from the Florida Attorney General show that nearly half of the complaints (251 out of 585) involve promises of rental opportunities, with 88 mentioning profit and 111 referring to investment.
Furthermore, Westgate falsely reports that we have a mortgage. In Steins vs. Westgate, the Eleventh Circuit Court of Appeals ruled that a timeshare loan is not a mortgage, and **** and **** confirm this. Our credit card statement wrongly labels it as a mortgage and real estate. To support this claim, I have attached proof of payments and credit history that clearly show the loan is being reported as a mortgage, further evidence of this misrepresentation.
Additionally, Westgates response fails to address why our credit was ran, despite being assured by the agent, ****, and manager, *****, that this would not happen. We were explicitly told that our credit would not be checked, yet it was without any clear explanation from Westgate.
Delaying our maintenance fees until 2027 does not address the deceptive tactics employed, including the assurances that renting or reselling would be easy. We are now left with no viable options but to default due to these false promises. Both my husband and I were present when **** stated we could always downgrade, and **** assured us the timeshare could easily be sold. It was a material omission not to disclose the condition of an outstanding loan that would prevent us from selling.
Additionally, as per s. ******, sellers of timeshare plans must be licensed real estate professionals. I am requesting clarification on which exception allows Westgates sales agents to operate without such a license. (Reference to Statute: ***************************************)
Given the deceptive practices, false representations, and the failure to disclose critical information, we request to be released from this contract. We seek a full cancellation and a refund of all amounts paid. We also request that Westgate cease all collection activities, as we were misled into this agreement under false pretenses.

******* *****
Customer Answer
Date: 02/07/2025
In response to Westgate,
Thank you for your response, but I must reject several points made in your reply, as they do not address the serious concerns raised regarding the timeshare agreement, misleading sales practices, and ongoing issues.
1. Apology for Delay and Staff Shortages
While I acknowledge your apology for the delay, the reduced staff situation does not excuse the lack of timely responses or address the concerns I raised. My issue is not just about the delay but about the failure to effectively address the substance of my complaint in a meaningful way.
2. Misleading Sales Practices
Your response fails to acknowledge the key issue: misleading sales tactics. Despite being assured by both **** and **** that we could easily sell or downgrade our timeshare, we have found these assurances to be false. The fact that Westgates representatives advised us that a downgrade could be an option but later said otherwise is a clear contradiction. As stated, no meaningful information was provided regarding the actual limitations of downgrading or selling the timeshare. The sales representatives contradictory statements and omissions are material to the validity of the contract.
3. Credit Report and False Mortgage Labeling
Regarding the labeling of the loan as a mortgage, your response does not address the issue sufficiently. The fact that our credit card statement categorizes the payments under "mortgage" and "real estate" is misleading and does not align with the Steins vs. Westgate case, where the court ruled that a timeshare loan is not a mortgage. I have attached evidence, including payment records and credit reports, showing that this loan is being inaccurately reported as a mortgage. These discrepancies further compound my concern about Westgate's practices.
4. Lack of Clear Information on Rescission and Legal Requirements
I was informed that I could rescind the agreement within a certain time frame, yet your response claims that I missed the legal window without acknowledging the conflicting information provided by Westgate representatives. This contradiction is concerning. Moreover, the recorded closing only serves as a part of the recordthere is no evidence that the rescission period was clearly and accurately explained. I request a full review of the documented interaction and any relevant recordings, especially regarding when I was made aware of the rescission terms.
5. Denial of Licensing Requirements
You state that it is not a state requirement for Westgate sales representatives to be licensed, but I refer to Florida Statute ******, which requires timeshare sellers to hold a real estate license. I challenge the assertion that ********************************************* agents are exempt from this rule, and I request clarification of the specific exception you are citing.
6. Downgrading and Transfer Options
Your denial of offering a downgrade contradicts the verbal assurance we received. Alexs statement, which suggested we could always downgrade, is a material omission of critical information. I am now left with no viable options to address my situation other than default, which I was explicitly told could be avoided. The lack of a realistic solution, despite being misled during the sales process, is a serious issue that remains unresolved.
7. Maintenance Fees and Taxes
Your explanation regarding the maintenance fees and taxes fails to address my primary concern: the deceptive assurances given during the sales presentation about the manageability of these costs. It is not just about the increase in fees, but about the lack of transparency regarding the overall cost of ownership, which was not adequately disclosed at the time of sale.
Resolution Request
Given the continued misrepresentation, misleading tactics, and unresolved issues, I am requesting to be released from this contract immediately. I seek a full cancellation. Additionally, I ask that Westgate cease all collection activities and cease reporting any negative information related to this contract to credit bureaus.
I expect a prompt resolution to these issues and look forward to receiving a final response that adequately addresses these concerns. I trust Westgate will take these matters seriously and will act in good faith to resolve them in a manner consistent with applicable laws and regulations.
*******
Customer Answer
Date: 02/25/2025
Thank you for your response and for providing additional resources.
My original response was in reply to the BBBs statement: "Please be sure to indicate whether the business' response is satisfactory or not and how you would like to proceed in this matter." To clarify, the businesss response is not satisfactory. They have not adequately addressed my concerns, and I was hoping for a resolution through your mediation process.
I have already filed complaints with the Florida Attorney General, the ************************ (***), and the North Carolina Attorney General regarding this matter as stated in previous communication with you. However, I would like to confirm whether the BBB will continue working to mediate my complaint or if you will no longer be involved in assisting with a resolution.
I appreciate your time and any further clarification you can provide.
Sincerely,
******* *****
Business Response
Date: 03/05/2025
March 5, 2025

****** ********
Consumer Affairs Representative
BBB serving Central Florida
**************************
********, ** 32750

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

Dear Mr. ************ style="color: rgb(21, 25, 32); font-family: Lato, Arial, sans-serif; font-size: 16px; background-color: rgb(255, 241, 212);">
Westgate Resorts is in receipt of your correspondence regarding Ms. ****** complaint. We thank you for the opportunity to respond.

Please be advised that Ms. ****** concerns have been submitted to Counsel for further review. Once the findings have been provided, we will reach out to Ms. ***** directly.

We thank you for the opportunity to be of service.

Respectfully,

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

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Customer Answer
Date: 03/15/2025
I responded multiple times via communication that I didnt agree with the resolution and that Westgate has not reached out to me to try and resolve the issue like they stated they would.
Customer Answer
Date: 03/15/2025
I responded multiple times via communication that I didnt agree with the resolution and that Westgate has not reached out to me to try and resolve the issue like they stated they would.
Initial Complaint
Date:12/27/2024
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.
8/9/2024 - 8/12/2024 Amount of money paid: approximately $15,000 Westgate Resorts was supposed to provide us with a clean, functional, well-maintained presidential suite in a clean, functional and well-maintained property.The nature of my dispute is upon seeing our original unit and seeing other units that were offered to us after the damage and determining that the entire resort is a scam and not worth what we are paying for because it is extremely run-down. There was a very foul smell within the four units and only one unit had functioning air-conditioning in the middle of August. The next day while being told by the manager on the property that they were not changing our suite, the bathroom ceiling cave-in with water flowing everywhere. The other suite Westgate suggested had another bad smell and the air-conditioning did not work in either of the four units. Upon seeing our original unit and seeing other units that were offered to us after the damage and determining that the entire resort is run-down and Westgate scammed us out of our money.Westgate has stated that they are not at fault in this situation.
Business Response
Date: 01/16/2025
January 16, 2025

****** ********
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.

While we regret to read of Mr. ****** feelings regarding his stay, contrary to his claim, we can confirm that Resort Management addressed his concerns while on property and compensated him accordingly. Mr. ***** was compensated in the form of a complimentary upgrade to the Tuscany Villa, which usually amounts to a cost of $13,500.00 a night plus tax, was provided $300.00 in food and beverage credit, and a late check out of 8 PM on August 12, 2024.

As we continue to deeply value Mr. ****** relationship with Westgate Resorts and remain committed to providing him with the highest level of service, we encourage him to reach out to our department referrals as they aim to provide owners with direct assistance with their accounts. For further assistance with him account, we encourage Mr. ***** to reach out to our *************************** at **************. Please keep in mind that these 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: 01/27/2025

Complaint: 22738318

I am rejecting this response because: Please see attachment

Sincerely,

******* *****
Business Response
Date: 02/04/2025
February 4, 2025

****** ********
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 be advised that, upon their receipt of Mr. ****** theft allegations, our *************** Team reviewed this accordingly and issued a denial letter to ******** on August 19, 2024, in response. As nothing was found in relation to the additional concerns presented, no further compensation will be offered to ********.

While Westgate is unable to control whether Mr. ***** chooses to accept our offer of help, we again reach out to assist him. For further assistance with his account, we highly encourage Mr. ***** to contact our *************************** at **************.

We thank you for the opportunity to be of service. Please be advised that any further inquiries of a similar nature will be met with the same response.

Respectfully,

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

Ak/sp
Customer Answer
Date: 02/05/2025

Complaint: 22738318

I am rejecting this response because: This is not about the theft. We understand that Westgate will not accept responsibility for the items that were removed from our room. This entire time I have been corresponding with the Better Business Bureau they have been deflecting to a matter that has been resolved already. WE KNOW THAT WE CANNOT BE REFUNDED WHAT WAS TAKEN FROM OUR ROOM. That is not our issue here. Our issue is the despicable, deplorable conditions of their property in *********, ******* We were lied to, about the condition of the hotel. Once again, the property is run down and not worth the money we have already paid. We are trying to get out of the contract because we were deceived by this company into thinking this was a decent purchase. This was our first time using our timeshare and our first time staying at the Westgate property, that is when we all came to the conclusion, we were tricked by Westgate. We are looking to nullify the contract immediately and go on living our lives. Westgate has already profited $15,000 from us and we look at that as our loss. We just want out of the contract that we were deceived by.

Sincerely,

******* *****
Business Response
Date: 02/12/2025
February 12, 2025

****** ********
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 recognize that Westgate has addressed Mr. ****** concerns previously and our position remains unchanged. While he may not agree with our standing, this disagreement does not negate the contractual obligations he agreed to at the time of purchase. 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, Mr. ****** request for release has respectfully been denied. The contract is valid, enforceable, and will not be cancelled.

While Westgates position stands firm, please keep in mind that, Mr. ***** does hold the option to use, rent, sell, or will the property; however, this would be at his discretion as Westgate has no form of resale or rental program. While Westgate does not offer assistance with this, a comprehensive timeshare resale resource is available at the American Resort Development Associations Resort **************** (ARDA ROC) website: ************************************************* or by calling **************. We can confirm that many Westgate owners have had success with this endeavor in the past.

Westgate is unable to control whether Mr. ***** chooses to accept our offer of help;however, we again reach out to assist him. For further assistance with his account,we highly encourage Mr. ***** to reach out to our *************************** at **************.

We thank you for the opportunity to be of service. Any further inquiries of a similar nature will be met with the same response.

Respectfully,

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

Ak/sp
Customer Answer
Date: 02/19/2025

Complaint: 22738318

I am rejecting this response because: First and foremost, this is not an issue of buyers remorse and rescission period is not the grounds for Mr. ****** complaint. ******** was ******* his contractual duties of payment to Westgate until his stay in August 2024. The stay that occurred in August 2024 was Mr. ****** first and only time to utilize the Westgate Property. Currently, Westgate is the party that has not abided by contractual obligations. The living conditions that ******** and party endured while at the Westgate property in ********* were appalling and hazardous. Due to the lack of a sanitary and safe property ******** is seeking dissolution of the contact.

This current response from Westgate is one of many in this communication that has failed to address the proper response a contractual dispute resolution. ******** is seeking mediation or will be forced to legal proceedings.

Note: that if legal proceedings become necessary to seek your performance of the Action, this letter will be presented as evidence of your failure to attempt a resolution. Consequently, you may be held liable for court costs, attorney fees, and additional damages. Consequently, you may be held liable for court costs, attorney fees, and additional damages.

Mr. ***** is urging Westgate to agree to mediation remedy this matter.

Sincerely,

******* *****
Initial Complaint
Date:12/11/2024
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.
I am writing to formally request your assistance in resolving an urgent issue with my timeshare contract with Westgate Resorts. Due to a significant and unforeseen change in our personal and financial circumstances, I am seeking the cancellation of our contract.Recently, my husband, ******, was diagnosed with lung cancer, which has placed a tremendous strain on both our finances and daily lives. His ongoing medical treatments have resulted in mounting bills, and his condition has severely limited his ability to work, leaving us with a significantly reduced household income. As a result, we are now living paycheck to ******** and struggling to meet basic expenses. The additional financial obligation of the timeshare is no longer sustainable for our family.Another concern is the long-term impact of this timeshare on our children. We have come to understand that the ********* contract could be passed down to them, which is not a responsibility we wish to impose. Resolving this matter now is crucial to ensure they are not burdened with obligations they neither chose nor anticipated.Despite multiple attempts to contact Westgate Resorts to discuss options for cancellation, we have not received any clear guidance or follow-up. The lack of response has added to our frustration during this already challenging time.Given the gravity of our situation, I respectfully request that Westgate Resorts take immediate action to cancel our timeshare contract. I ask for a clear and expedited process to resolve this matter, including waiving any associated cancellation fees due to our financial hardship.Thank you for your attention to this matter. I hope the BBB can help facilitate a resolution that accommodates our current circumstances.
Business Response
Date: 12/19/2024
December 19, 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.

First and foremost, we are truly saddened to read about the difficult situation *********** and her family are currently facing. We are aware that such events can result in hardships in our lives and strive to be of assistance when our owners are confronted by them.

We understand Mrs. ******** concerns with affordability; however, please keep in mind that Mrs. ******* agreed to having the financial capacity to enter into the transaction at the time of sale. In addition, she was provided the information needed to make an informed financial decision, to include any costs associated with travel. Please understand that as the consumer, it was ************ responsibility to review the financial obligations associated with the purchase to ensure that the purchase fit within her financial means.

Nonetheless,we truly regret to read of the struggles she is currently facing and stand willing to work with her during her hardship. As such, we ask Mrs. ******* to please reach out to our *************************** at ************** to request a hardship application.Please be advised, 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. ******* will be notified in writing of Westgates decision.

Additionally,please recognize that Mrs. ******* 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 Mrs. ******* cancelled within the allotted timeframe, it is Westgates position that the rescission period for contract cancellation has passed; as a result, Mrs. ******** request to be released from her contract has respectfully been denied. Nonetheless, should she have any supporting documentation to show that she attempted to cancel within this contractual time period, we encourage her to provide it to our email below.

Furthermore, we certainly understand Mrs. ******** concerns about the inheritance of her timeshare in the unfortunate event of her passing. We recommend that she contact a professional legal advisor concerning the inheritance process, as each owners situation is unique.

Ultimately,Mrs. ******** 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 Mrs. ******** It is important to realize that our offer of assistance is something that provides her with additional resources and a choice of whether to accept or decline this offer. 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 Mrs. ******* 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
Initial Complaint
Date:12/11/2024
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.
After purchasing this timeshare, we quickly realized we had made a mistake. We tried to enjoy the benefits Westgate claimed to offer, but it has been far from beneficial. Instead, this purchase has only added to our financial burden and increased our debt.What makes this situation even more disheartening is that we trusted Westgate. The representatives made it seem like we were getting a great deal and that they had our best interests at heart. However, they were not upfront about the fees or the usage limitations associated with the timeshare. We strongly believe they knew we didnt fully understand the terms of the contract and exploited that to make a sale.The biggest issue weve faced has been with the credit card tied to this purchase. We were told it came with a 0% interest rate for a lifetime, but without any notice, the rate changed to a high interest rate. This misleading promise has caused us further financial hardship and underscores Westgates lack of honesty and transparency.We are requesting that this matter be rectified immediately. Westgate must address these concerns and provide a resolution that alleviates this financial burden. Thank you for your attention to this matter, and we look forward to your cooperation.
Customer Answer
Date: 12/20/2024
Good morning,
I have attached the signed authorization form. Thank you.
Customer Answer
Date: 01/03/2025
Hi,
Any update on this?
Business Response
Date: 01/07/2025
January 7, 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.

Please understand that will be responding directly to Ms. ********* via the email address on file, to inform her of the account status, for her privacy regarding these matters. Nonetheless, we can advise that she is no longer the owner-of-record.

We thank you for the opportunity to be of service.

Respectfully,

***** *., Executive Team
Correspondence
Westgate Resorts
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Ak/sp
Initial Complaint
Date:12/11/2024
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.
Westgate Resorts is a real estate company and is subject to the guidelines outlined by the ************************************************ (***). According to HUD Handbook ******, on page 218, paragraph 2, it is stated: "A loan secured by an interest in a timeshare must be considered an Installment Loan." Westgate has refused to make this correction on my credit report.
Business Response
Date: 12/27/2024
December 27, 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.

Mr.********, please be advised that we have escalated the presented concerns to our legal team and will be communicating the findings directly to Mr. ******* once they have been provided to us.

Nonetheless,please understand that on April 28, 2023, Mr. ******** account was foreclosed upon due to non-payment. Mr. ******* is no longer the owner-of-record, and has 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
Customer Answer
Date: 12/27/2024

Complaint: 22671370

I am rejecting this response because: it has been done prematurely prior to the advice of their legal counsel. Let's keep this issue transparent vs cloaked in secrecy.
Please send my response below back to the representative:
Thank you for your response regarding my complaint and for escalating the matter to your legal team. I appreciate the steps you are taking to address my concerns.

However, I would like to clarify a few points:
HUD Guidelines and Credit Reporting:
The central issue is the interpretation of HUD Handbook ******, which explicitly states that a loan secured by an interest in a timeshare must be classified as an installment loan. Despite this clear directive, my credit report does not reflect this classification. I request that Westgate Resorts reevaluate this matter in accordance with federal guidelines and update the reporting accordingly.
Response to Third Parties:
I understand that the findings from your legal team will be communicated directly to me. However, I believe it is important for transparency and accountability to address all aspects of this issue in writing, particularly if additional third-party involvement becomes necessary.

Credit Report Corrections:
While I acknowledge that my account was foreclosed upon on April 28, 2023, this does not negate the obligation to report the account accurately under federal regulations. I kindly request that Westgate Resorts provide a detailed explanation regarding its refusal to update the credit report classification.

I hope to resolve this matter amicably and without further escalation. I look forward to receiving a clear and thorough response, including any findings from your legal team.
Thank you for your attention to this matter.

Sincerely,
***** *******
Business Response
Date: 01/10/2025
January 10, 2025

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

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

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

Mr.********, please be advised that after further review by Counsel, our position is that Westgate denies that it is a real estate company subject to the *********************************************** handbook as it is a timeshare company organized under state law. Westgate denies that it improperly reported the foreclosure at issue and contests the enforceability of the departments handbook and any handbook for the matter.

As such, the reporting will not be changed.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/am
Customer Answer
Date: 01/16/2025

Complaint: 22671370

I am rejecting this response because:
Dear Mr. ***************** acknowledge Westgate Resorts' response; however, I reject their position for the following reasons:
1) Clarification of Regulatory Oversight While Westgate claims it is not a real estate company subject to *** regulations, timeshare interests often involve real estate transactions, financing, and reporting obligations. I request a detailed legal explanation supporting their claim that they are exempt from applicable real estate and consumer protection laws.
2) Foreclosure Reporting Dispute Westgate asserts that its reporting was proper. I formally request documentation and legal justification supporting their claim that the foreclosure reporting complies with federal and state laws, including consumer protection statutes and credit reporting requirements.
3) Written Confirmation for My Records I request that Westgate Resorts provide its final position in writing, addressed to me at my residence:
***********************************
I appreciate the BBBs assistance in facilitating this dialogue, as prior attempts to resolve this matter directly with Westgate were met with no response. I will consider this complaint closed only upon receipt of the requested documentation, but I reserve the right to escalate this matter to the appropriate regulatory agencies, including the ************************************ (****) and the ************************ (***), should Westgate fail to provide a satisfactory resolution.
Thank you for your time and assistance.
Best regards,
***** *******

Business Response
Date: 01/24/2025
January 24, 2025

****** ********
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 advise Mr. ******* that, per counsels review, Westgate is under no obligation to provide a legal explanation to support its position. On the contrary, Westgate requests a detailed explanation from the consumer supporting his claim that Westgate is subject to the real estate and consumer protection laws the consumer is citing. Similarly, Westgate requests a detailed legal basis for his claim that the credit reporting is inaccurate.

As for Mr. ******** request that we provide Westgates response in writing directly to him, please be advised that we will be sending a copy of Westgates response to the address provided.

We thank you for the opportunity to be of service.

Respectfully,

****** *., Executive Team
Correspondence
************************************************************************ (Attn: ****** ****************
Customer Answer
Date: 01/28/2025

Complaint: 22671370

Dear Mr. ********************* you for your response. While I acknowledge Westgate Resorts' position, I reject their request for me to provide a legal explanation before they address the concerns I have raised.
1) Regulatory Oversight & Compliance Westgate asserts it is not subject to certain real estate and consumer protection laws, yet it refuses to provide any legal basis for this claim. If Westgate is confident in its position, it should have no issue citing the specific laws or exemptions that apply.
2) Credit Reporting Dispute The burden of proof regarding the accuracy of the foreclosure reporting falls on the entity furnishing the information. I request that Westgate provide documentation supporting its compliance with federal and state credit reporting laws, particularly the Fair Credit Reporting Act (FCRA).
3) Written Confirmation I acknowledge that Westgate will be sending a written response to my provided address, and I will review it upon receipt. However, this does not resolve the dispute. If Westgate fails to substantiate its claims, I reserve the right to escalate this matter to the ************************************ (****), the ***************************** (***), and other relevant regulatory bodies.
I appreciate the BBBs assistance in facilitating this matter and look forward to a more substantive response from Westgate.
Best regards,
***** *******
Initial Complaint
Date:12/04/2024
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.
********************* ***** Contract #: *********** We are filing this complaint due to Westgate Resorts' unacceptable handling of our request to cancel our timeshare contract, despite nearly two years of persistent efforts on our part.Initially, after enduring repeated delays, we were finally offered a Deed In Lieu of Foreclosure. However, Westgate has attached an unwarranted demand for over $3,000 in additional fees as a condition for the Deed, which is entirely unreasonable.We have already paid a significant amount of money toward this contract, which we believe is more than sufficient, particularly given the deceptive and misleading practices that led us into this agreement. The timeshare has caused us severe financial strain and stress, and we made it clear from the beginning that we would not incur further financial obligations to terminate this arrangement.Westgate's demand for additional fees is unjustified, and we categorically refuse to pay any more. We insist that Westgate waive these fees and provide the Deed In Lieu at no cost to us.We have also communicated to Westgate that if this matter is not resolved promptly, we will escalate our concerns to relevant authorities, including the ************************* and other consumer protection agencies. We are reaching out to the BBB as part of this process in the hope that Westgate will take this matter seriously and work to resolve it fairly and without additional financial burden on us.We request that the BBB assists in ensuring that Westgate waives the proposed fees and promptly provides the Deed In Lieu of Foreclosure, allowing us to bring this distressing situation to an end.
Customer Answer
Date: 12/12/2024
This is not a duplicate complaint, please continue this with this complaint
Business Response
Date: 01/06/2025
January 6, 2025

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

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

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

Mr. ********, first and foremost we regret to read of **** and Mr. ****** dissatisfaction with Westgates previous responses, as we are committed to providing them with the highest level of service, and we are sorry if they feel as though we have not met that standard.

That being said, we ask the consumers to understand that, regarding their concern with a fee associated with executing a Warranty Deed in Lieu of Foreclosure (WDIL), in these types of situations, Westgate is at liberty to determine any required fee at its discretion as Westgate is not required to offer a release once the state-mandated rescission period has passed. Furthermore, the execution of any offer is completely voluntary; as such, any decision to accept or decline the execution of a **** based on an offers terms and conditions remains with consumers who may receive an offer.

Ultimately, while they may not agree with our responses, Westgate has addressed **** and Mr. ****** concerns, and our position remains as previously conveyed. Moreover, we ask for them to understand that while they are well within their rights to escalate their concerns to any outside forum as they see fit, Westgate will continue to address their concerns regardless of the escalation path they choose.

While we are appreciative of their concerns,Westgate remains available to help. We encourage **** and Mr. ***** to contact our Contract Mediation Team at ************** for further assistance regarding their account.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/am
Customer Answer
Date: 01/14/2025

Complaint: 22638872

I am rejecting this response because:Westgates claim that they have the discretion to impose fees for a **** without providing justification is troubling. While we understand that Westgate is not legally obligated to offer a release after the rescission period, the lack of transparency around the calculation of these fees raises serious concerns. This lack of disclosure gives the impression that these fees are arbitrarily determined and not in the spirit of fair business practices.
Furthermore, Westgate describes the **** process as voluntary, yet their arbitrary fee structure creates a financial burden that leaves consumers with limited viable options. The use of the term voluntary in this context is misleading and appears to unfairly disadvantage consumers who are already in a difficult financial position.
While Westgate asserts they have addressed our concerns, they have not provided clear or reasonable explanations for their actions. Reiterating their rigid stance without engaging with the specifics of our complaint does not reflect a genuine effort to resolve the matter or demonstrate good faith in customer service. Additionally, suggesting we contact their Contract Mediation Team is unhelpful, as prior interactions with this team have been dismissive and unproductive.
We respectfully request that Westgate provide a detailed breakdown of the fees associated with the **** process and the rationale for imposing such charges. We also ask that they engage in meaningful dialogue to work toward a fair resolution that does not place undue financial strain on us. These steps are both reasonable and necessary to restore confidence in their commitment to ethical business practices.

Sincerely,

***** *****
Business Response
Date: 01/24/2025
January 24, 2025

****** ********
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.

Mr.********, please advise Mrs. ***** that, while she may not agree with or like Westgates responses, we have addressed her concerns. Ultimately, we ask her to understand that the Developer has the right to offer or deny an owners request for a Warranty Deed in Lieu of Foreclosure (WDIL), with no contractual obligation to disclose why that decision was made.

Ultimately,Westgates position remains as previously conveyed. While we cannot control whether the consumer chooses to accept our offer of help, we again encourage ********* to contact our Contract Mediation Team at ************** for further assistance regarding her ownership.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/sp
Customer Answer
Date: 01/27/2025

Complaint: 22638872

I am rejecting this response because: I appreciate the opportunity to clarify my position and address their statements.
While Westgate contends that they have addressed my concerns, their response highlights a lack of transparency and accountability regarding their decision-making process. Specifically:
Refusal to Disclose Decision Basis: Westgate acknowledges they are under no contractual obligation to provide an explanation for denying my request for a Warranty Deed in Lieu of Foreclosure (WDIL). However, I find this lack of transparency unacceptable and emblematic of the dismissive approach Westgate has taken toward my concerns. As a customer, I have a right to understand the reasoning behind decisions that directly impact me, particularly when my financial obligations are at stake.
Ambiguity in Offer of Help: Westgate repeatedly refers to their offer of help, but this phrase remains vague and unsupported by specific actions or alternative solutions. If this help consists solely of urging me to contact the Contract Mediation Team, it feels disingenuous, given my prior efforts to resolve this issue through that channel without success or clarity.
Failure to Provide Meaningful Resolution: My initial complaint arose because I sought a fair and reasonable resolution regarding my ownership. Westgates response not only fails to address this but also dismisses my concerns without offering viable alternatives or any indication of goodwill.
The issue at hand is not simply my dissatisfaction with Westgates decisions but their unwillingness to engage in a transparent, cooperative process that respects my rights and concerns as a consumer. I am not asking for special treatment but for an open dialogue and fair resolution that considers my circumstances and the spirit of good business practices.
Once again, I reiterate my request for Westgate to reconsider their position on the **** or, at the very least, provide a detailed explanation for their denial. I also ask that they take meaningful steps to work with me toward a resolution rather than referring me back to a mediation process that has, thus far, failed to yield results.
Thank you for your time and assistance. I look forward to your continued support in resolving this matter.

Sincerely,

***** *****
Business Response
Date: 01/30/2025
January 30, 2025

****** ********
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.********* as Westgate has previously advised Ms. ****** Westgate is not contractually obligated to disclose the variables considered when offering or denying an owners requesting for a Warranty Deed in Lieu of Foreclosure (WDIL). While the consumer may not like or agree with Westgates response, we ask her to understand that any disagreement will not change it.

Moreover,regarding Ms. ****** request for resolution, we ask her to understand that Westgate is, in fact, not required to provide any type of resolution or release once the state-mandated rescission period has lapsed. As such, Westgates position remains as previously conveyed.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/am
Customer Answer
Date: 02/05/2025

Complaint: 22638872

I am rejecting this response because: I am writing to vehemently dispute Westgate Resorts' response to my complaint. Westgates attempt to deflect responsibility and dismiss the concerns raised is both unacceptable and indicative of their broader business practices.
First, the assertion that Westgate is "not contractually obligated" to disclose the variables considered in their decision-making is not only evasive but undermines the trust that consumers place in your organization. Transparency is paramount in any business transaction, especially when it involves significant financial commitments and potential loss of property. Westgate's refusal to provide clarity is a blatant disregard for consumer rights.
Furthermore, the claim that Westgate has no obligation to provide a resolution post-rescission period is disingenuous. While they may cite legal loopholes, it is evident that ethical responsibility should prevail. A company that positions itself as a leader in its industry should prioritize customer satisfaction and fair treatment over rigid adherence to policy.
It is troubling that Westgate, despite being aware of my situation, chooses to maintain this stance. This not only reflects poorly on their corporate values but also raises questions about their commitment to customer service and support.
I urge the BBB to consider this response as an indication of Westgate's unwillingness to engage in meaningful dialogue or resolution. It is imperative that the BBB holds Westgate accountable for their lack of responsiveness and transparency.
Thank you for your attention to this matter. I look forward to your continued support in addressing these serious concerns.

Sincerely,

***** *****
Initial Complaint
Date:12/02/2024
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.
acct# *********** We are filing this complaint to formally address the predatory and unethical practices of Westgate Resorts, which have caused us significant distress and financial strain. Our experience with Westgate during the purchase process was riddled with high-pressure sales tactics, misinformation, and ************ the time of closing, we were subjected to an aggressive sales environment that left little opportunity for genuine consideration. The representatives made verbal promises that contradicted the written contract, engaging in bait-and-switch tactics. Furthermore, they failed to clearly disclose critical terms, taking advantage of the "no legal requirement for full disclosure to be verbal" loophole. This deliberate lack of transparency misled us into signing a contract under false pretenses.When we attempted to address these concerns and cancel the contract, we were met with dismissive responses. Westgate's refusal to acknowledge or remedy their deceptive practices only compounded the issue. The **** (Westgate Deposit Installment Loan) fee they demand as a "courtesy" is nothing more than a tool to exploit customers further. The arbitrary nature of this fee and Westgate's unwillingness to waive it reflect a lack of ethical consideration for their customers.We have communicated our dissatisfaction to Westgate directly, only to receive patronizing and boilerplate responses. Their unwillingness to cancel our contract or take responsibility for their manipulative practices has left us with no choice but to escalate this matter.We are seeking a resolution through the BBB and demand the immediate cancellation of our contract without penalty. Additionally, we request the waiver of the unjust **** fee and a formal acknowledgment of the unethical practices we endured.Sincerely,******** ******************* *******
Business Response
Date: 12/31/2024
December 31, 2024

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

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

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

Mr.********, please be advised that Mr. ******** and Ms. ******** refusal to accept Westgates position in no way negates it. We have previously addressed their concerns and absent supporting documentation of wrongdoing on Westgates part, our position remains as previously set forth. We ask that the consumers govern themselves accordingly.

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

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/sp
Customer Answer
Date: 01/02/2025

Complaint: 22626446

I am rejecting this response because: the response provided by Westgate Resorts concerning Complaint ID #********. The response fails to adequately address the specific issues raised in my original complaint and instead offers a dismissive statement that does not reflect a sincere effort to resolve the matter.
Westgate's claim that their prior response is sufficient disregards the valid concerns and evidence presented. My complaint outlined specific grievances regarding the misrepresentation, miscommunication, and overall handling of my ownership. Despite Westgates assertion that "no wrongdoing" occurred, this does not align with my experience nor the documented interactions during my engagement with their representatives.
The statement, Mr. ******** and Ms. ******** refusal to accept Westgates position in no way negates it, demonstrates a lack of willingness to engage constructively or acknowledge accountability. It is not a refusal to accept their position, but rather a rejection of an inadequate response that lacks transparency or a meaningful resolution.
Furthermore, I find it inappropriate to suggest that I govern myself accordingly, as this language implies wrongdoing on my part without substantiation. The burden of resolution lies with Westgate as the service provider, particularly in light of the grievances I raised.
Westgates invitation to contact the Contract Mediation Team feels performative given the lack of progress through previous attempts at resolution. I have sought remedies through the channels provided without success, which is why this complaint was necessary. Their continued emphasis on internal mediation as the only recourse suggests an unwillingness to consider impartial or external evaluation of the issues.
I reiterate my request for a full and fair investigation into the claims detailed in my complaint. I also expect a clear acknowledgment of any deficiencies in their processes and a specific outline of the steps they are willing to take to address and rectify my concerns.
I trust the Better Business Bureau will see the importance of holding Westgate accountable to resolve these matters in good faith.

Sincerely,

******** ********
Business Response
Date: 01/07/2025
January 7, 2025

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

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

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

Mr.********, first and foremost, we regret to read of Mr. ******** continued dissatisfaction with Westgates previous responses. Westgate is committed to providing him with the highest level of service, and we are sorry if he feels as though we have not met that standard.

That being said, we ask Mr. ******** to understand that, as previously advised,while he may not agree with Westgates responses, we have previously addressed his concerns. We ask for him to understand that Westgate does hold its employees responsible for the things they say and do, when owners are able to provide supporting documentation in support of their claims. However, in the absence of such documentation, no form of verbal communication can or will supersede the contract agreement made between the consumer and the ************ such, Westgates position remains as previously conveyed.

While Westgate is unable to control whether Mr. ******** chooses to accept our offer of assistance, we remain available to help. As such, we again encourage him to contact our Contract Mediation Team at ************** for further assistance regarding his ownership.

Respectfully,

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

Sb/am
Customer Answer
Date: 01/08/2025

Complaint: 22626446

I am rejecting this response because:
Thank you for forwarding Westgate Resorts' response to my complaint. While they claim to have addressed my concerns, their response continues to reflect a lack of accountability and meaningful resolution of my issues.
Westgates assertion that they have previously addressed my concerns is incorrect. My complaints center on the aggressive sales tactics and misrepresentations that were employed during the sales process. Despite repeated attempts to seek assistance, Westgate has only deflected responsibility, focusing solely on enforcing the terms of a contract that was secured under questionable circumstances.
Westgate suggests I provide supporting documentation for my claims. However, as they are fully aware, verbal promises and high-pressure sales tactics often do not result in written proof, which is why such complaints are common in the timeshare industry. Their inabilityor refusalto address these systemic issues speaks volumes about their business practices.
When I have contacted the Contract Mediation Team as directed, the assistance offered is merely an effort to enforce payments, with no genuine attempt to resolve the underlying concerns or acknowledge the aggressive sales techniques used to secure this agreement.
I call on Westgate to demonstrate accountability and transparency. Rather than reiterating their rigid stance, they should take responsibility for their sales practices and work with me to reach a fair resolution, such as releasing me from this contract that I was misled into signing.
I ask the BBB to recognize that Westgate's response does not reflect genuine resolution efforts but rather a continued pattern of avoidance and deflection. I am simply seeking justice and fair treatment in light of the misrepresentation I experienced.
Thank you for your continued attention to this matter.

Sincerely,

******** ********
Initial Complaint
Date:11/27/2024
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 filing this complaint against Westgate Resorts due to unethical and deceptive sales practices, lack of transparency, and unfair treatment in handling our cancellation request for Account #**************** we attended the sales presentation, we were subjected to high-pressure tactics and coercion, which made it nearly impossible to make a rational, informed decision. Key information about maintenance fees and cancellation periods was either omitted or downplayed. We were not clearly informed that these fees could increase significantly over time, nor were we advised of a reasonable rescission period to reconsider our purchase. This lack of transparency violates fair consumer practices.Despite communicating these concerns in writing, Westgate has ignored the core issue: the unethical methods used to secure our agreement. In response to our initial letter, Westgate cited the enforceability of the contract, which completely disregards the ethical issues raised. Their response also failed to address the emotional and financial distress their practices have caused. This approach demonstrates a disregard for customer concerns and highlights a systemic issue within their sales process.Our experience aligns with numerous complaints from other owners who have described similar tactics. This indicates a broader pattern of behavior by Westgate Resorts that goes beyond an isolated incident. These practices are not only unethical but potentially unlawful under consumer protection standards.We cannot continue payments for a service that we feel was misrepresented and forced upon us. Westgate's unwillingness to address our concerns leaves us with no choice but to escalate the matter. We are seeking confirmation that our account has been canceled and that any further attempts to collect payments will cease immediately.We respectfully request BBB intervention to ensure that Westgate resolves this issue fairly and transparently.Sincerely,***** Razz
Business Response
Date: 12/20/2024
December 20, 2024

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

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

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

Mr.********* we wish to advise Mr. **** that, while he is entitled to his opinion, Westgate has previously communicated our position with regard to the matters presented, and our position remains unchanged, whether the consumer chooses to accept it or not. For your convenience, you may find additional copies of Westgates previous response below for your review.

Ultimately,absent supporting documentation of wrongdoing on Westgates part, Westgates position is that Mr. ****s 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 regarding his account.

We thank you for the opportunity to be of service.

Respectfully,

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

Sb/am

February 17, 2022

***** **** and Micashea ******
*****************************************************************************************

Email:**********************************

RE:Account# *********** /Issue# *******

Dear Mr. **** and *** *******

We appreciated your continued patience while we reviewed and researched your concerns. Please accept this as Westgate's response.

Mr.**** and *** ******* we apologize if you felt uncomfortable or pressured in any way while attending our sales presentation. Since there may have been offers that are on a first-come, first-served basis, depending on the available inventory, the representative may have expressed some urgency regarding the offer. However, you were never obligated to remain past the agreed-upon time to receive your incentive or to purchase a timeshare. Ultimately, you 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 your concerns are not addressed to your satisfaction.

We are saddened to learn that you claim that you have had challenges when making reservations. Please allow us to briefly explain your ownership and some benefits you have as owners. You purchased an All-Season week in a 2-Bedroom Standard for use during Even-numbered years at Westgate Town Center Resort.Keep in mind that you purchased under the Floating Use Plan for reservations,wherein you do not own the use of a specific unit, but a certain unit type,based on availability. Therefore, you have the right to occupy your villa at your home resort during your current year and season of ownership without being charged additional fees. 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. Any reservations outside of your contracted usage rights are considered owner benefits (e.g., exchanges, split weeks,etc.), which are also based on availability and subject to the Westgate Resorts Internal Exchange terms and conditions.

Mr.**** and *** ******* it is important to understand that once your state-mandated rescission period for contract cancellation expires, we are unable to cancel your account at your request. Our delivery of your contract documents on the day of sale constitutes full and fair disclosure of the terms of your purchase. Westgate's position remains that the contract is valid and enforceable. We deeply value your relationship with Westgate Resorts and, as we want to help you, we encourage you to contact our Owner Relations Team at ************** / Option 4 for assistance with your account. They remain at your service for all account matters, including taking payment on the 2022 Maintenance and Tax assessments now overdue on your account. If we may be of additional service, please contact us at the email address below.

Respectfully,

Executive Team
Owner Relations Correspondence Westgate Resorts
************************************************************************
Ag/am

June 13, 2022

***** ****
Micashea ******
***********************************************************************************************************

Email:**********************************

RE:Account# *********** I Issue# *******

Dear Mr. **** and *** *******

We thank you for your patience while we reviewed and researched your correspondence. Please accept this as Westgate's response. For your convenience, we have attached additional copies of the documents mentioned herein.

Mr.**** and *** ******* please allow us to express our appreciation for your long-term ownership since 2016. Westgate owes its success to respected and valued owners like you, who have embraced our philosophy that regular vacations can, and do, lead to improvements in health, personal well-being, and family connections.

We sincerely apologize for any inconvenience you may have experienced due to the length of the presentation you attended and if you felt pressured or uncomfortable in any way. Please remember that in order to receive the promised gifts, you were only required to attend the presentation for ************************************************************ to purchase. We ask for you to understand that it would have been at your discretion to inform the sales staff or closing officer of any discomfort to ensure proper action was taken and refrain from purchasing if your concerns were not addressed to your satisfaction. While Westgate is a sales-driven company, at no point were you forced to stay or to purchase a timeshare.

While we certainly appreciate your concerns with any increase in your Maintenance dues and Taxes (M&T), it is important to understand that the Maintenance dues represent the only source of revenue available to pay the cost of maintaining your resort. Please be advised, the ******************* is responsible for calculating the resort's annual budget and dividing it equitably among all the owners so that each one pays a fair share of the costs needed to preserve the integrity of the resort's services while keeping the costs as low as possible. If the cost of goods and services to maintain your resort increases, this increase to the Budget is divided amongst all the Resort Owners so that each pays his fair share of the increase. It is also important to know that all of the Maintenance dues paid go directly to the Owners'Association and that the Developer pays his share of the M&T on all unsold timeshare weeks at your resort, so he has a vested interest in keeping costs as low as possible. The estimated M&T amounts can be found in your Contract for Purchase and Sale (Contract), Closing Disclosure, and Acknowledgment of Representations.

Regarding the cancellation period, please understand that Westgate fully complied with its legal duty by conspicuously disclosing the mandatory terms of rescission in the Contract. We are not required to verbally disclose this information. Please understand the fact remains that you were provided full and fair disclosure of the purchase terms on the day of sale. This is evidenced by your execution and Westgate's delivery of the contract documents. There is no legal requirement for full disclosure to be done verbally. As consumers, it was your responsibility to ensure that what you acknowledged and were in agreement with matched the information relayed in the documents.

Unfortunately,duplicate complaints initiated by ********* exit companies that prey on owners with false promises have become common on the internet. Please understand that the frequency of these repetitive complaints does not lend them any credibility or merit.

Mr.**** and *** ******* Westgate's position is that your contract is valid and legally enforceable; therefore, your cancellation request is respectfully denied. We encourage you to contact Westgate's *************************** directly at ************** for assistance with your account.

If we may be of any additional service, please contact us at the email address provided below.

Respectfully,

Executive Team
Owner Relations Correspondence
Westgate Resorts
************************************************************************

Jr/gsc
Attachments
Customer Answer
Date: 01/13/2025

Complaint: 22613153

I am rejecting this response because:
Consumer
Most Recent Message
Date Sent: 1/10/2025 2:34:08 PM
Thank you for providing Westgate Resorts response to my complaint. While I appreciate the opportunity to review their correspondence, I must respectfully disagree with their assertion and wish to reiterate my concerns. Westgates response fails to adequately address the substantive issues raised in my initial complaint, and I remain steadfast in my position regarding the validity of my concerns.
Misrepresentation and Lack of Transparency
Westgates response suggests that my contract is valid and enforceable without providing any acknowledgment of the specific allegations of misrepresentation that I raised. During the sales presentation, critical details about the financial obligations, usage restrictions, and cancellation policy were either misrepresented or omitted entirely. I entered into this agreement under the influence of misleading information, which undermines the contracts enforceability.
Westgates refusal to address these allegations directly or provide evidence disproving my claims only reinforces my belief that their sales practices were deceptive. I urge Westgate to provide a detailed and transparent response addressing the specific points of my complaint, rather than relying on generalized statements.

Westgates position that my claims lack supporting documentation is unfounded. I have attached all relevant documentation, including copies of the contract and associated documents, correspondence with Westgates representatives, and notes and details from the sales presentation.
These documents highlight discrepancies between what was promised and what is stated in the contract. If Westgate believes otherwise, I request that they provide specific evidence to counter my claims, rather than dismissing them outright.

I am not seeking to undermine the contractual process, but I am asking for fairness and accountability. Given the documented misrepresentation and lack of full disclosure, I believe it is reasonable to request the cancellation of my contract and a refund of all amounts paid. If Westgate is indeed available to help, as they claim, then I urge them to offer a meaningful resolution to this dispute, rather than directing me to a mediation team that has historically been unhelpful in addressing these concerns.

I appreciate your continued involvement in this matter, Mr. ********* and I trust the BBB will evaluate Westgates response in light of the evidence I have provided. I remain open to working towards an amicable resolution but expect Westgate to engage in good faith rather than issuing dismissive responses.
Thank you for your time and assistance.

Sincerely,

***** Razz
Business Response
Date: 01/22/2025
January 22, 2025

****** ********
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 regret to read of Ms. ***** dissatisfaction with our previous response;however, absent supporting documentation to negate the contents of the contract documents executed by the owners and Westgate, which provided the consumers full disclosure of all contractual terms on the day of sale in accordance with all laws, our position remains unchanged. As such, the contract stands valid and enforceable.

While Westgate is unable to control whether Ms. **** chooses to accept our offer of help, we again reach out to assist her. For further assistance with her account, we highly encourage Ms. **** to reach out to our ***************************** at **************.

We thank you for the opportunity to be of service. Any further inquiries of a similar nature will be met with the same response.

Respectfully,

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

Ak/bp
Customer Answer
Date: 01/23/2025

Complaint: 22613153

I am rejecting this response because: Unfortunately, their reply does not address my concerns, and their unwillingness to resolve this matter demonstrates a lack of genuine interest in reaching a fair and reasonable outcome.
I reject Westgate Resorts position as stated in their letter dated January 22, 2025. While they continue to reference the contract documents and claim "full disclosure," they fail to acknowledge the issues I have raised about the circumstances surrounding the sale, including their predatory tactics and lack of transparency. Their response is merely a repetition of the same dismissive stance they have taken in prior communications, with no new effort to resolve the dispute.
Despite numerous attempts on my part, including phone calls to their ****************************** I have not received any meaningful assistance. Instead, it appears Westgate Resorts is solely focused on securing payment, rather than addressing the root issues of my dissatisfaction.
I stand firm in my position that this contract is invalid due to misrepresentation, coercion, lack of disclosure and I will not be providing any further payments under these circumstances. I expect Westgate Resorts to take my concerns seriously and to propose a genuine resolution.
I kindly request your continued assistance with this matter to ensure it is resolved fairly.
Thank you for your time and support.

Sincerely,

***** Razz
Initial Complaint
Date:11/26/2024
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 not liable for this debt with WESTGATE I do not have a contract with the collection agency trying to collect. They did not provide me with the original contract as requested.
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 Ms. ****** complaint.We thank you for the opportunity to respond. Please keep in mind that we will be forwarding a copy of the document mentioned in our response, directly to ********** via the email address on file.

Mr.********* please allow us to clarify that, while the complaint itself is not clear, we can confirm that Ms. ****** has not been with a collection agency, regarding this account, since 2019. This was long before Westgate started credit reporting. Ms. ****** has repeatedly disputed the credit bureau foreclosure reporting advising that this is not her account; however, *********************** records over numerous accounts fully contradict this. These records include picture identifications,as well as the recorded closings and executed contract documents. Nonetheless,should Ms. ****** have tangible documentation to the contrary, we ask that she please provide it to our email address below for further review. In the interim, Westgate's position stands that the foreclosure reporting is valid and will not be removed. However, we will be providing a copy of the Contract for Purchase and Sale document to Ms. ******* via the email address on file, as a courtesy.

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

Ak/sp
Initial Complaint
Date:11/21/2024
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 against Westgate Resorts regarding the numerous issues and deceptive practices we have encountered with our timeshare contract 27383951822-003). Despite multiple attempts to resolve these issues directly with Westgate, including a detailed letter outlining our grievances, the company has failed to address our concerns adequately.We were assured that as gold-status owners, there would be no need for future upgrades. However, this turned out to be false. During a subsequent stay in Orlando, **, we were forced to attend a supposed owners update meeting, which lasted over three hours. This meeting pressured us into upgrading from Every Other Year to Every Year status, significantly increasing our financial burden with doubled maintenance fees.The benefits promised to us as timeshare owners have proven to be nonexistent. For example, we consistently find better prices and deals for accommodations, car rentals, and other travel services through third-party providers like *******. The Westgate cruise and travel program has been a disappointment, providing no value compared to what was promised.Our stays have been plagued with issues such as broken amenities, soaking wet floors, and non-functioning TVs, further diminishing any enjoyment from ownership. Furthermore, restrictions on getaways have made it nearly impossible to utilize the timeshare effectively.These financial and logistical challenges are compounded by the personal strain on our family. We are struggling with the high maintenance fees while managing the costs of school for our son and special education for our daughter.The deceptive practices of Westgates sales representatives have led to significant financial stress and dissatisfaction. We are demanding the immediate cancellation of our timeshare contract due to misrepresentation, unmet promises, and the burden it has placed on our family.We respectfully request the BBB's intervention to resolve this matter promptly.
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 ******** ******* complaint.We thank you for the opportunity to respond.

Mr.********, please be advised that Westgate has already addressed these concerns,where Ms. ****** chooses to accept our position or not. Ultimately, the consumer opted to upgrade her purchase from a 3-bedroom to a 6-bedroom,however, there was never any obligation to do so. As such, Westgates position remains as previously set forth.

While we are appreciative of Ms. ******* concerns, Westgate is available to help. We encourage Ms. ****** to contact our Owner Benefits 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: 01/02/2025

Complaint: 22586161

I am rejecting this response because: The response, while acknowledging my concerns, fails to adequately address the substance of my grievance.
Mischaracterization of Events:
Westgate claims I chose to upgrade from a 3-bedroom to a 6-bedroom and that there was no obligation to do so. However, the circumstances surrounding this so-called "upgrade" were misrepresented. During the sales process, I was subjected to high-pressure tactics and misleading information that left me feeling there was no reasonable alternative. This tactic raises ethical concerns about how Westgate conducts business and deals with its owners.
Failure to Address Core Issues:
Westgates response did not address the specific issues I raised in my complaint, such as:
The lack of transparency during the transaction.
Misleading information about the benefits or costs of the "upgrade."
Inadequate resolution of my concerns after the transaction.
Simply stating that I had the option to decline is not a sufficient resolution to the concerns about the methods employed to secure my agreement.
Request for Good Faith **************** have repeatedly attempted to resolve this matter directly with Westgate, only to be met with dismissive responses similar to the one provided here. If Westgate is truly "available to help," as stated, I request a more meaningful dialogue to resolve this matter.
Specifically, I am seeking:
A review of the sales process and acknowledgment of the misleading tactics.
A fair and reasonable resolution to the financial burden caused by this transaction.
Clear steps Westgate will take to ensure future customers are not subjected to the same practices.
Provide documentation and instructions on the cancelation process.
Customer Advocacy and Responsibility:
As a customer, I trusted ********************** to act in good faith, which I believe did not occur. Offering a phone number for the Owner Benefits Team without substantive action does not demonstrate accountability or a genuine commitment to resolving this matter.
I remain willing to discuss this further and hope Westgate will take the opportunity to respond with greater sincerity and specificity to address my concerns.
Thank you for your attention to this matter.
Sincerely,

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

Sincerely,

******** ******
Business Response
Date: 01/10/2025
January 10, 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 allow us to confirm that full and fair disclosure of all purchase terms was provided to Mr. ******* on the day of sale, in accordance with all laws. In addition, please recognize that the majority of the allegations being presented are purely verbal. Therefore,absent supporting documentation of any alleged wrongdoing on Westgate's part,the executed contract documents will supersede. Mr. ****** failure to accept our position will not alter it nor does it require that we provide a resolution in these matters. Ultimately,the contract, as written, stands valid and enforceable. Nonetheless, as requested, we will be forwarding a copy of the Contract for Purchase and Sale document to Mr. ******* via the email on file, with the rescission instructions for cancellation highlighted.

While Westgate is unable to control whether Mr. ****** chooses to accept our offer of help, we again reach out to assist him. For further assistance with his account,we highly encourage Mr. ****** to reach out to our ************************* at **************.

We thank you for the opportunity to be of service. Any further inquiries of a similar nature will be met with the same response.

Respectfully,

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

Ak/am
Customer Answer
Date: 01/13/2025

Complaint: 22586161

I am rejecting this response because:Thank you for forwarding Westgate Resorts response to my complaint. I must strongly contest their claims and respectfully request the BBBs assistance in addressing this matter.
Westgates assertion that full and fair disclosure of all purchase terms was provided to me is highly disputable. The sales process was characterized by high-pressure tactics, misleading verbal promises, and insufficient time to thoroughly review the complex and lengthy contract under duress. While Westgate insists on the validity of their contract, they fail to acknowledge that their representatives verbal assurances contradict the written terms. It is unreasonable to expect consumers to parse every nuance of legal language in such a coercive sales environment, particularly when pressured to sign immediately.
Moreover, I find it unacceptable that Westgate dismisses my allegations as purely verbal. Sales presentations are a critical component of their business model and are inherently verbal. If their representatives misrepresented material facts, as I know they did, this constitutes deceptive practices, regardless of what the written contract states. Westgates stance seems to suggest they are free to say whatever they like verbally, knowing the written contract will absolve them of accountability.
While Westgate has offered to send the contract with rescission instructions, this is of no help given that the rescission period has long since passed. The issue here is not about canceling within a narrow legal timeframe; it is about a pattern of behavior that misleads consumers and locks them into unfavorable terms under false pretenses.
Additionally, the suggestion to contact the ************************* is not a meaningful resolution. I have already attempted to resolve this matter directly with Westgate, only to be met with unhelpful responses that prioritize their interests over mine. I am seeking a fair and equitable resolution, including the possibility of rescinding this agreement.
I respectfully urge the BBB to recognize that Westgates response fails to address the core issues of my complaint and exemplifies their unwillingness to act in good faith. Their focus on the validity of the contract ignores the deceptive practices that led to its execution. I plead with the BBB to help hold Westgate accountable and assist me in finding a resolution to this matter.
Thank you for your time and attention. I look forward to your guidance on how to proceed.
Sincerely,

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

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