Capital Vacations Lured me in with a gift, lied to me about their product, tricked me into signing a contract that was not aligned with what was verbally explained, and now hold me obligated to pay $40,000 if I want to cancel. Myrtle Beach South Carolina

I called in to Capital Vacations after a long break of standing up for my family and fighting our way out the timeshare they pressured onto us. Two years ago I inquired about a way out of this membership with my husband through Capital because of the “recent” learned truth about what limitations this timeshare really has and that it is just not what it was cut out to be including the lack of respect the associates have as far as customer service goes. The call that took place on June 22, 2022 did not gain any progress on this matter. I mentioned on the call of my previous emails to Capital and looking for a way out only to be presented with a $44,052.93 settlement offer to be paid by 6/30/22. I asked the woman if she was joking and sadly she was serious. She viewed this as a deal considering the open loan is over $60,000. I called 8 days prior to that due date. Even if I were able to consider payment as large as this, who has that kind of money to gather and WASTE on a dishonest company? The “loan” isn’t like your average “loan”. They are seeing this amount as what it would cost for a lifetime usage right to their properties. I do not want the usage rights even if I could use it. 

I explained in my past letters last year the problems we encountered since purchasing this timeshare, as well as Chester’s health issues (his cancer and dementia) that inhibited us from using this. I received one brief letter in return from Karyn Foley stating there was a graceful program but we did not qualify for because we did not have our fees paid. That was all she said. There was no recognition of our problems. There was no sympathy which is not surprising. Our entire time with Capital we have not experienced any kind of commiseration or compassion from any associate even when we were using the timeshare! Soon after receiving Karyn’s letter, I asked her to reach out to me if anything changed because we were not wanting to wait around until this damages our credit further and eventually maybe it would be written off as a bad debt. I still have not gotten a response and that was last year. 

My dear husband Chester passed away only days later. I have been absent and regret that we could not get this resolved in his presence. Now I am lost on what I should do. I have confided in Capital on June 22, 2022 to get advice and guidance and explain that our circumstances have changed completely. To face this dreadful company head on with this tragedy on my hands has been devastating. I am in disbelief that even after asking for help out of this while Chester was alive and explaining his health conditions and the misfortunes we experienced with this timeshare and now again after his passing, the only COMMENT I was given was a settlement offer of $44,052.93 that needed to be paid in a week. 

I recently called last month to rediscuss this after sending another few emails that have still gone unanswered. The response was the same. When I called and spoke to a lady named Gloria. I told her that when my husband fell on their property he had a concussion, needed stitches, and we even had to leave our vacation early, but no body cared except the security 

guard. Then when my husband died the company still did not care knowing that my income was cut in half. Nobody even called. Now she was telling me that my payoff is $77,886.19 which includes loan payment and maintenance fees. The settlement payment would be $48,289.44 and the manager would send me this in writing. In Gloria’s email, the settlement letter stated the

account would be closed if the payment is made. I was informed last year that my account is already closed, however the loan will remain active until paid. This is beyond unreasonable and extremely greedy on Capital Vacation’s side. We have only used the timeshare a few times and during those times we made our payments. No vacation is worth over $70,000. 

We were forced to upgrade which caused the loan to increase. We were vacationing while using the timeshare and told we had to attend an owner’s update meeting. When we arrived it was another sales pitch. The man told us in order to solve the availability problems we would have to upgrade. “That’s just the way it is”. The availability remained the same and we were out another $70,000. He lied to us. Capital Vacations refuses to see that and refuses to cancel this despite my attempts to have them see reason. I need help. 

I will continue to stand up for myself and my dear Chester no matter how shattering this experience has been.