Flagship Resort Development Corporation

Complaint: ***
I am rejecting this response because: The response from FantaSea is truly subparThey have chosen to bring up just a few of themany frustrations I have just to make it seem as if their program is something it’snotWhile these few things may be a part of their program the likelihood ofthese things actually happening is slimThere are so many stipulations inplace it is impossible to utilize, and the contract is so vague there is norecourse for me when FantaSea fails. Furthermore, this is the first time they have even responded to meFor months I tried toget them to communicate with me, but it was not until I filed this complaintthey even acknowledged my existence as an ownerThat clearly shows you theyare up to something. The real problems here are that the representatives lied to me about every aspect ofthis ownership, the program and the units are terrible, and I cannot affordthis! Even if I could enjoy vacationing with this I still cannot pay FantaSea forit So I stand by my request to be freed from this contract and receive a fair return of mymoney, and I trust FantaSea will act with integrity and fulfill these requests.
Regards,
*** ***

I have read the consumer complaint and they havemis-reprentated the facts in this matterTheir mortgage account is not$1,in interest as indicatedThe breakdown is as follows: Principal Balance $220.99Accrued Interest $Late Charge Balance $616.45Total amount due as of 07/08/
$1,012.76 The late charges accrued at $monthlyThe consumer lastmade a payment to settle a returned check on 11/10/at which time a latecharge balance remained as well as remaining principal paymentWe made 11phone attempts to contact the consumer to settle the matter in which theconsumer answered the phone and hung up on the representativeThe mortgageservicing company also sent several notices regarding the NSF checks theconsumer had initiated as well as annual statement to advise the consumer oftheir current balancesOn 7/2/15, the consumer sent their final principalpayment of $which clearly validates their debt owed but neglected to paytheir remaining late charge and accrued interest for their mortgage account andno funds were paid for their Maintenance Fees balanceIf the actualprincipal is not in dispute, the consumer has actually made the payment evidencingthat the funds were rightfully due to us and paid in a delinquent status; thenthe consumer must also agree to the remaining late charges and interest thatresulted from their non-payment are also due Additionally the consumer has a Maintenance Fees Balance $2,432.81.This account has not had a payment since and is exceptionally delinquent.Notices are sent monthly for these balancesThe consumer indicates they wouldpay the Maintenance Fees when they used their timeTheir usage account hasbeen blocked due to their non-payment and continued delinquencyTheiragreement was to pay their ownership responsibility on an annual basis inNovemberNo owner is exempt from their responsibility In an effort toresolve this matter to an amicable solution, we will accept a one-time paymentof $2,to settle both their delinquent Maintenance Fees and MortgageaccountsTheir current combined balance is $3, This is a total discount of $In orderto accept this offer, the payment in full must be received no later than7/31/or the offer is void and the entire balance will be due in full

I have read the consumer's complaint and deny their allegations that any verbal agreements outside of the actual written contract terms were madeI believe this is a matter of the consumer's lack of knowledge which we could assist with education the consumer as they stated they are
still loo9king for the extra weeks that are bonus weeks with the exchange company Interval InternationalThe consumer appears to be experiencing a financial hardship as a result of the dissolution of his marriageAs a result of his continued delinquency on the mortgage, I can offer a Quit Claim Deedaka QCDThis will dissolve his future obligations and ownershipWe are unable to change the credit reporting information and will report this a "Deed In Lieu of Foreclosure"The documents will be sent directly to the consumer and must returned within days

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me with the following understanding:I have sent an additional letter to the Flagship regarding the maintenance fees In that letter is a formal request for additional actions to put a close to the loan issue Once the loan issue is closed my letter offers a settlement statement regarding the maintenance fees
Regards,
*** ***

I have read the consumer's replyThe Interval system is exceptionally easy to use and if the consumer has successfully navigated it, as she indicates she has, they are able to access the entire inventory available to them at the time of the searchThe issue the consumer is having is that they are requesting a "certain getaway" locationsThe inventory is subject to availability of the entire Interval Network and does works on a first come first serve basisThe consumer requested how others travel to specific destinationsAs stated before, they would utilize their week making a pending request to ensure that if and when the specific location were to become available, they would be able to create an exchangeThe getaway inventory is excess inventoryCertain locations may not have excess inventory if there is limited inventory or a high demandThere are dozens of alternate locations to travel within the getaway network many within driving distance as indicated as a request per the consumer's husbandI read a dozen travel dates and locations available to illustrate the robust inventory available in the getaway network using within driving distance the consumer originally requestedMembership in Interval is completely optionalThe consumer has already transacted their week for traveling to Sedona Arizona. It is my understanding there are two resorts in the Lake George are and Newport Rhode IslandI would strongly urge the consumer to transact their week for to those limited inventory locations and utilize getaways to other various destinations in the getaway networkAs *** indicated, the vacation ownership aka timeshare can be sold privately at any timeWe do not have a resale program available as indicated per our contract paperworkThe consumer should contact a licensed real state professional

I have read the consumer's complaint. Day Use remains available to registered guests/owners. To clarify Day Use privileges were always based upon hotel occupancy limits. Based on that notion, Day Usage was limited at best is the summer season. Day Use never included parking. Day Usage was only...

permitted for the number of guests per the unit size owned.The consumer owns a 1 bedroom  and therefore their guests would have been limited for 4 people in total at any time. Day Usage always required that any unregistered present their party at the Front Desk in order to receive a Day Usage Pass.  I have checked the records and the consumer did utilize Day Use in March. I do not see any usage in February through November 2013.  It appears the consumer visited less than thought or did not register at the Front Desk per the original policy. Legally, we cannot permit any area of the resort to exceed fire safety limits at ANY Time. Also, Day usage is not in the contract terms.In an effort to resolve this matter with this consumer, I am granting Day Usage privileges to this consumer as long as they contact me directly to schedule in advance of showing at the resort. I will then review the occupancy of the area that day usage is being requested to determine if Day Usage can be granted based on occupancy. All other terms of the original day   usage as noted above would apply. The consumer can reach me directly by calling 6[redacted] or in my absence [redacted] at x [redacted] to confirm. I believe this will be a satisfactory resolution.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
To clarify Idid write to their corporate office many times and even have trackinginformation that these were received. I also sent communications to Fanta Seaby email, and until the Revdex.com complaint they would not respond to me. This hasbeen going on since April in fact.  After payingfor this for over a year and being completely unable to use it, I do not wantto lose any more money on this program. It is clear the representatives sold itto me using deception and since I am unable to use it I am paying Fanta Sea fornothing. Fanta Sea now offering to try and help me use it will not change thedifficulties I have faced and will continue to face in booking this ownership.  Furthermore,I told the sales staff multiple times I couldn’t afford this, but they keptpressuring me and kept coming up with ways I would “make money” with this. Theyknowingly lied to me even though it put me in a financially burdensomesituation. This is another reason I had to stop paying Fanta Sea and requestthe immediate termination and refund of the account.  I cannot goon with this program and I would really appreciate swift assistance from thiscompany. Fulfilling my requests would MAJORLY improve my life, and in the endcost them nothing since they can just turn around and sell this to someoneelse; hopefully someone who has not recently filed for bankruptcy.
Regards,
[redacted]

The consumer has accepted our original offer via email directly. A copy can be provided if necessary. We will be sending a release within the next several days to finalize this matter. We trust this matter is now fully resolved.

I have read the consumer's complaint and deny their allegations that any verbal agreements outside of the actual written contract terms were made. I believe this is a matter of the consumer's lack of knowledge which we could assist with education the consumer as they stated they are still loo9king...

for the extra weeks that are bonus weeks with the exchange company Interval International. The consumer appears to be experiencing a financial hardship as a result of the dissolution of his marriage. As a result of his continued delinquency on the mortgage, I can offer a Quit Claim Deed. aka QCD. This will dissolve his future obligations and ownership. We are unable to change the credit reporting information and will report this a "Deed In Lieu of Foreclosure". The documents will be sent directly to the consumer and must returned within 30 days.

I have read the consumer's response. The consumer is stating we should not be discussing this matter with the Revdex.com as intermediary when they themselves introduced the Revdex.com to the conversation. I was not involved in the original conversations but I am handling the matter now. The amount due has been offered to be waived per the original request and was agreed to as requested. The consumer's original last payment was returned NSF and was sub and have complied with each request on behalf of the consumer. subsequently paid years later this past month. Their own payment is evidence to their agreement of the funds were due.We are the lendor to whom the consumer is referring as we are a first party debt collection agency on all mortgage loans. The numbers listed on our website are correct as it is us whom they should contact.  The consumer's original claim is resolved despite this ongoing dialogue.Providing 'proof" of a resiolved matter is unnecesary I do apologize that the consumer feels they were treated rudely and the matter will be addressed with the employees involved . Additional details regarding anyone's specific performance would be  inappropriate to share. We have a counter claim regarding the unpaid Maintenance fees which were mailed annually. We beleive we can resolve this matter seperate from the Revdex.com and would like to thank them for their assiatance while we worked to an amicable solution. The Maintenance Fees annual bills were sent to the consumer's billing address. I am mailing both a detailed Maintenance Fees Billing and Mortgage billing request as per the first request in this last rebuttal. As the consumer stated they remain at the same residence so they most certaily would have received our annual Maitnenancew Fees Billing. We do not retain a copy of the transmittals we send to each Owners as a matter of regular business practice much like most corporations. To expet that we can provide them a copy of each bills is also unreasonable. Regardless the consumer made an agreement to pay this buill annually which I can provide a copy and to date has ignored their responsibilities regarding Maintenance Fees. The consumer indicates their receipt of their Maintenance Fees billing and cites when located will forward. We are aware of their balance and shuch evidence is not necessary for us. However it is our expectation that they make their payment of $2,500.00 asap. I look forward to restoring this consumer's account back into good standing with their forthcoming payment.

I have read the consumer's reply. I had requested that the consumer communicate a date to schedule their 2014 Vacation Period prior to it's expiration on 12/31/14. The consumer indicates that called them a liar. Such is not the case. I am simply trying to assist them with their vacation and their repayment plan. My understanding is that the Revdex.com Platform is to create an amicable solution to resolve a difference. The consumer is not working in the spirit of this process. The Owner is threatening to devalue his ownership through Social Media as a solution.  The owner can sell his timeshare if he no longer wishes to be an owner. I am not certain how the consumer can be certain of his concept without actually enjoying a vacation. I will even permit the owner to schedule his vacation once he has secured a repayment plan paid in full as long as there is a commitment in place to resolve their financial commitments.  I would like to work with the consumer to assist them with their vacation and repayment plan. This is the solution we submit.

Below was the email sent to the consumer today.  I did wait to speak to from 5pm until 6:05 last evening. I received your message this morning stating you had tried to call me at 6:10. I am sorry we missed each other. I went over with [redacted] dozens of getaways locations and dates available with Interval. The locations available online conveyed were what is available at the time of the search. All resort inventory is subject to availability and availability changes on a regular basis. We could not guarantee any inventory. If you are being location specific, we encourage you to select that location for your week. We do not have a buy back program as our documents indicate. The sales pitch was that getaways inventory is available and can be booked in advance which is an accurate representation of the process. Not being able to travel to a specific location for a getaway week is not due cause to vacate a contract. I will be more than happy to schedule time with you to review the Interval Getaway system if you are not already familiar with how to use. Let me know if you would like to reschedule our meeting.  Best wishes, [redacted]Flagship Resort On 2014-08-18 21:07, [redacted] wrote:[redacted],As I understand it, [redacted] called you, and you returned HIS call.  You advised [redacted] that you were going to walk me through your internet site (I'm pretty internet savvy, so I truly believe I'm navigating the site correctly), which is the reason for me leaving you an email earlier today and voice message a little after 6pm tonight (I was delayed at work). I am not satisifed with your response on your email, nor your conversation with [redacted].  It seems that your mini getaways are locations Interval wants us to go, rather than where we want to go when we want to go.  And that's giving a rather large window up to a year out! I am again requesting a buy-back of the timeshare since your sales pitch has not met the expectations presented to us.  I await your response. [redacted]

Complaint: [redacted]
I am rejecting this response because:Thank you for your response regarding this pressingmatter.  However, I respectfully declineyour offer to use the resort in 2015. I am not specifically judging the resort,rather how I was coerced into making this purchase. In regards to the phone calls that you have made, I have notanswered because I’ve expressed my desire to communicate in writing. I believethat this way the expectations are clear and there are no misrepresentations onyour part.  The terms of this contract were misrepresented at the timeof sale and I understand this violates my rights as consumers. Once again Irequest the FULL termination of this contract .
Regards,
[redacted]

I have read the consumers complaint and am personally familiar with this consumer's account. The consumer refused multiple times to secure their payment arrangement offered with a method of payment as is our practice to create a firm payment arrangement. If the consumer's intentions is to honor the...

commitment of their agreement, a method of payment would display an earnest desire to resolve the debt. I personally spoke to the consumer and indicated my empathy as I myself have children and was called a liar regarding my sentiment regarding her situation.
At no time was the consumer refused a payment arrangement. The consumer in incorrect stating her account was refused to be in collection as the consumer's account has been in collections since January 15th 2014. This information was advised to the consumer multiple times.  We attempted to assist the consumer by offering a secured payment arrangement with three monthly installments starting in May to avoid a possible assessment applied to delinquent accounts that are referred to the Attorney or the outside collection agency. As she neglected to make any payments via mail in or via the web (as she had paid the past 2 years) her account was referred to the attorney. As recently as 8/27,  the consumer still refused to secure her payment arrangement as well as did not make a single payment online and stated she would pay the remaining balance "When I'm ready" when discussing why she refused to secure the agreement.
Notice is sent in November of the year prior to inform each member of the association of their obligation. The member is required to pay their share of the billing prior to January 15 annually. No one member is exempt for the good and financial well being of the entire Association. The consumer indicated yesterday they would be paying $200.00 online and demanded that we not attempt to further collect the debt. The payment has not been received in this office via the online payment process yet. She indicated she refused to secure her method of payment and would pay the remaining balance "When I'm ready". Please request that the consumer honor their agreement from May and pay their obligation online of via a secured method of payment by calling [redacted] Their account is severely delinquent.  A payment should be made in Aug, Sept and Oct to keep with the original commitment of 3 payments as on November 1st the billing amount will increase by the 2015 amount. The current balance is $620.01 with an additional $5.00 added the first of each month.
I personally spoke to the consumer and indicated my empathy for her financial situation after her childbirth which is why the payment arrangement consideration was offered. I stated that I myself have children and was called a liar regarding my sentiment regarding her situation. The consumer also alledged to us that she was provided an error message when trying to pay online stating she must call the office. I have confirmed with our IT department no such error message is part of the programming. I sincerely hope the consumer makes her payment as agreed and enjoys are 2014 vacation opportunity.

Complaint: [redacted]
I am rejecting this response because:
I received no phone calls to resolve the balance due on this loan.  Nor did I receive any letters or notices of payment due on a remaining loan balance.  As previously stated, had the lender been interested in contacting me five years ago this matter could have been resolved.  I do not intend to pay late fees or interest on a bill I did not know existed nor for which any reasonable communication efforts were made.  I remain firm in my request for documentation of communication efforts by the lender which they cannot produce because they do not exist.  I previously stated that I paid my loan up to and including what I thought was my final payment.  Any error could have and should have been resolved before such an extended period passed.
Regards,
[redacted]

Thank you for your correspondence. We will be mailing a $100.00 [redacted] gift card to the address that was provided at registration within the next week to settle this matter.

I have read the consumer complaint and they havemis-reprentated the facts in this matter. Their mortgage account is not$1,010.89 in interest as indicated. The breakdown is as follows:  Principal Balance $220.99Accrued Interest $184.32 Late Charge...

Balance $616.45Total amount due as of 07/08/15 $1,012.76 The late charges accrued at $7.07 monthly. The consumer lastmade a payment to settle a returned check on 11/10/10 at which time a latecharge balance remained as well as 1 remaining principal payment. We made 11phone attempts to contact the consumer to settle the matter in which theconsumer answered the phone and hung up on the representative. The mortgageservicing company also sent several notices regarding the NSF checks theconsumer had initiated as well as annual statement to advise the consumer oftheir current balances. On 7/2/15, the consumer sent their final principalpayment of $220.99 which clearly validates their debt owed but neglected to paytheir remaining late charge and accrued interest for their mortgage account andno funds were paid for their 2015 Maintenance Fees balance. If the actualprincipal is not in dispute, the consumer has actually made the payment evidencingthat the funds were rightfully due to us and paid in a delinquent status; thenthe consumer must also agree to the remaining late charges and interest thatresulted from their non-payment are also due.  Additionally the consumer has a Maintenance Fees Balance $2,432.81.This account has not had a payment since 2007 and is exceptionally delinquent.Notices are sent monthly for these balances. The consumer indicates they wouldpay the Maintenance Fees when they used their time. Their usage account hasbeen blocked due to their non-payment and continued delinquency. Theiragreement was to pay their ownership responsibility on an annual basis inNovember. No owner is exempt from their responsibility.    In an effort toresolve this matter to an amicable solution, we will accept a one-time paymentof $2,500.00 to settle both their 2015 delinquent Maintenance Fees and Mortgageaccounts. Their current combined balance is $3,233.58.  This is a total discount of $733.58. In orderto accept this offer, the payment in full must be received no later than7/31/15 or the offer is void and the entire balance will be due in full.

The below message was sent to the consumer via email on 8/8/14 to the both of email addressed they provided at the time of purchase in a hope to remedy this matter privately. The consumer has not responded. The consumer purchased a time share week and the rights to access an Interval Membership to...

exchange that week based upon availability. As per their membership agreement with Interval, they can also purchase getaways based upon availability. They have successfully traded with flagship inventory to Sedona Vacation Club  with travel dates 10/26/14-11/02/14. To claim to cancel the contract because of an add on service that is ALWAYS based upon availability cannot be honored. "Dear Ms. [redacted],I hope one of the two emails on file is the correct contact information. I have received a Revdex.com Complaint today. On 07/02/14 it appears Mr. [redacted] spoke with [redacted] and stated you were going to contact a management team member. Can you tell who you have been trying to reach and at what number? We pride ourself on quick follow up so I am surprised to hear you have been unable to receive a call back.The Vacation Ownership Program is exceptional and our Owners enjoy numerous vacation annually with our travel partner Interval International. I am very concerned that this is not your experience. I need some information in order to provide the right guidance. Can you confirm if you are trying to transact your week or purchase a getaway?"

Complaint: [redacted]
I am rejecting this response because:
Before I respond, I would like to know WHO addressed the last correspondence sent from Flagship, since there is no signature/name - since I requested that I be contacted from a different party than [redacted], the last correspondent. 
Regards,
[redacted]