To All Timeshare Owners Who Have Been Defrauded, Trapped, and Exploited:

For decades, timeshare companies have operated with impunity, trapping hard-working people in deceptive contracts with false promises and impossible exit options. The industry thrives on lies, coercion, and financial abuse, preying on consumers who simply wanted a fair vacation option.

Enough is enough. It is time for us to fight back!

We as humans make so many effortless mistakes everyday. We think about how we can benefit ourselves and our families, and how to enjoy life without regretting the decisions we make. My struggle with the timeshare industry is both personal and painful. After buying into a timeshare that I couldn't fully utilize, I found myself trapped in an endless cycle of monthly payments and disproportionate maintenance fees. To make matters worse, the representative lied to me about being able to book a vacation right away, but when I tried to, they told me to keep waiting because everything was currently “overbooked” (things they don’t mention to u during the presentation). Such deceptive practices turned my leisure desire into a financial nightmare. I went as far as hiring an exit attorney, only to lose further money, with no guarantee of a successful termination. 

Sadly, my story is not unique. Thousands of individuals are dealing with the same issue worldwide, being locked into their timeshares with no easy exit. According to Finn Law Group, upwards of 85% of timeshare owners regret their purchase, citing issues such as money, fear, confusion, intimidation, and distrust.

Timeshares are marketed as investments in leisure, but often they turn into financial obligations with no escape. We deserve the right to cancel a timeshare agreement without having to hire and pay for costly legal representation. The industry should be built on transparency, not deception and lifelong ties. To add insult to injury, instead of helping the already trapped timeshare buyers sell their timeshares for a decent amount of profit, they are constantly pressuring vacationers to buy new vacation packages in which will probably spark buyers remorse (the usual outcome). And guess what…? You only have about 3-10 business days to make up your mind about everything. Do you see how there is no type of relief even in the smallest matter?

This petition is a global call to action—a movement to expose, dismantle, and hold accountable the timeshare industry that has ruined countless lives. If you have been misled, coerced, or trapped in a perpetual financial burden with no escape, this is your chance to join a worldwide effort to end timeshare fraud forever.

Together, we will:

*Demand Government Intervention – Call on legislators to ban perpetual timeshare contracts, force buy-back options, and criminalize deceptive sales practices.
*Organize Mass Legal Action – Pool our resources to fund class-action lawsuits against the biggest offenders.
*Expose the Industry’s Lies – Use social media, mainstream news, and consumer advocacy campaigns to reveal the fraud and coercion behind the timeshare business.
*Disrupt Their Financial System – Pressure banks, credit card companies, and investors to cut financial ties with corrupt timeshare companies.
*Launch a Global Mass Exit Movement – Encourage all trapped owners to simultaneously stop paying until timeshare companies are forced to negotiate fair exits.

        By signing this petition, you are joining a global revolution that will crush the deceptive timeshare industry once and for all.

I HAVE UPDATED THIS LETTER TO INCORPORATE DEDICATION FOR THE CFPB AND ATTORNEY GENERAL AND WHOMEVER IS RESPONSIBLE IN ASSISTING THE CITIZENS OF THE US IN FILING A CLASS ACTION LAWSUIT AGAINST CORRUPT TIMESHARES INCLUDING CLUB EXPLORIA RESORTS WHO CONTINUOUSLY PUT IN EFFORTS TO HARASS AND DESTROY PEOPLES CREDIT WITH THE HELP OF THE CREDIT BUREAUS. 

PLEASE WRITE THIS LETTER TO THE CFPB AND ATTORNEY GENERAL OFFICE! AND BE SURE TO MAIL ALL LETTERS CERTIFIED! THIS IS A VERY IMPORTANT STEP FOR US FOR JUSTICE!

TO WHOM IT MAY CONCERN IN CFPB AND ATTORNEY GENERALS' OFFICE:

Complaint Type:
Deceptive Trade Practices, Consumer Fraud, Unfair Credit Reporting

WRITTEN FOR: NAMES ON TIMESHARE 

Complaint Narrative:
I am requesting investigation into deceptive and predatory practices within the timeshare industry (TIMESHARE COMPANY), and the role of credit reporting agencies in enabling continued consumer harm.

Key Facts Demonstrating Deceptive Conduct:
During the sales presentation, I was persuaded by representations that made the product appear beneficial and low risk. Acting in good faith, I paid $$$$ in upfront based on those representations.

Only after payment did the company provide the complete contractual documentation. Upon review, the terms were materially different from what was promised verbally. Critical financial obligations and restrictions were buried in dense fine print.

I was given only one day to review these documents, an unreasonably short period that left no room for careful consideration, legal review, or clarification. This structure appears intentionally designed to prevent rescission before the window closes.

Absence of Legitimate Qualification or Income Verification
A critical and deeply troubling aspect of this transaction is the complete absence of any real or meaningful proof requirements regarding income or financial qualification.

Timeshare companies routinely claim that consumers must “qualify” based on income or financial capacity. However, in practice, no verifiable documentation is required. No pay stubs, tax records, bank statements, or independent verification are requested or reviewed. Qualification is based almost entirely on self-reported figures, casually obtained during a high-pressure sales presentation.

This is not underwriting. It is the illusion of underwriting.

If these transactions were legitimate credit products, such lax standards would be unacceptable and unlawful. The fact that timeshare companies are allowed to:

Suggest required income thresholds, perform credit inquiries, imply financial vetting, extend long-term obligations without any proof that the consumer can reasonably afford the product, is a glaring regulatory failure.

This lack of verification strongly indicates that the goal is not consumer suitability but rather maximizing contract volume regardless of financial harm.

Why This Indicates Systemic Deception
The absence of income verification is not accidental. It serves a specific purpose:

It allows sales agents to push contracts on consumers who may not realistically afford them. It shields the company from accountability while shifting risk entirely to the consumer. It creates a paper trail that appears legitimate while lacking substance. Any industry that: Claims financial qualification matters, conducts credit checks, collects upfront payments, yet requires no proof of income is operating under a predatory and deceptive framework.

This practice should be formally investigated and regulated, as it directly contributes to consumer financial distress, credit damage, and coerced long-term obligations.

Obstruction of Rescission Rights:
When I attempted to cancel after reviewing the actual terms—within the legally permitted timeframe—the company obstructed the process through delay and misinformation, effectively undermining statutory consumer protections.

Improper Credit Reporting:
Despite the deceptive inducement, disputed consent, and rescission attempts, a credit inquiry was placed and maintained on my credit report. This falsely implies a legitimate and informed credit transaction.

The credit bureaus failed to intervene meaningfully and refused to implement safeguards against reinsertion, despite clear notice of dispute and deception.

Pattern of Industry Abuse, Regulatory Concern, and Conduct, Not Isolated Error:
The conduct described in my complaint reflects a repeatable industry pattern, not an isolated misunderstanding:

Upfront payment collected before full disclosure, complete documentation delivered only after money changes hands, extremely limited time to review dense fine print, no realistic opportunity to correct errors or seek counsel, obstruction or frustration of rescission rights, credit inquiries placed regardless of informed consent, credit bureaus accepting furnisher claims without meaningful proof, reinsertions occurring after disputes. When the same harm occurs repeatedly across consumers, it ceases to be accidental and becomes systemic exploitation. And on top of this, credit bureaus allow this conduct to continue by failing to implement permanent suppression of disputed timeshare reporting.

Why This Merits State Enforcement:
Upfront payments are used to lock consumers in before disclosure, documentation is delayed to defeat rescission rights, review windows are intentionally unreasonable, credit damage is used as leverage, repeat consumer complaints show a pattern, not anomalies. This conduct constitutes unfair and deceptive acts or practices (UDAP) under state law.

Requested Action:
I respectfully request that the CFPB AND Attorney General’s Office:

Investigate timeshare sales involving post-payment disclosure. Examine the legality of compressed fine-print review periods. Investigate credit reporting tied to rescinded transactions. Require permanent suppression of disputed timeshare reporting. Take enforcement or corrective action to protect consumers. Investigate timeshare “qualification” practices and the absence of income verification. Examine whether credit inquiries tied to unverified affordability violate consumer protection standards. Require documented proof of financial capacity before any timeshare-related credit inquiry is permitted. Issue guidance addressing illusory underwriting practices in the timeshare industry. AND MOST IMPORTANTLY, POSSIBLY FILE A CLASS ACTION LAWSUIT AGAINST DECEPTIVE TIMESHARE COMPANIES SUCH AS (TIMESHARE COMPANY) IN FAVOR OF ALL VICTIMS THAT HAVE PUT DOWN PAYMENTS AND CANNOT GET OUT OF THESE SOUL CONTRACTS!

Thank you for your attention and protection of consumers!

(FEEL FREE TO REWORD AND EDIT IN YOUR FAVOR/LIKING! OR IF YOU WANT TO ADD SOME MORE POINTS, FEEL FREE TO!