Yeah, I'm pretty sure trying to put the toothpaste back in the tube is more hassle than just moving forward. At this point, the deed has been recorded and the transfer effected within Wyndham, and the problem can be largely solved with money. As I read it, the issue is a one-time problem with a deferred maintenance fee and used-up points, both of which can be made right with money from the seller/transfer agent. I would be on the "refuse/cancel/dispute it" train if the underlying contract was different than originally presented, but it sounds like starting in 2021 the fees and points will be what you expected all along. It's just 2020 that was wildly different than the purchase agreement presented, and those are things that can be fixed with compensation.