How many months went by before you realized your monthly bill hadn’t been paid ?
1. Wyndham didn’t stop charging you. If they did you wouldn’t of been turned over to collections.
2. You stopped paying your monthly bill. Why did this happen if you were on auto pay ?
A. Credit card expire?
B. Credit card denied due to credit limit?
C. Close bank account?
D. Insufficient funds in bank account?
3. When you have converted weeks to points & stop paying your weeks are dropped from the points. Returning them to your fixed week only
In December when you mailed the check, I’ll play 20/20 hindsight.
Assuming you were talking to Wyndham since you said you’ve been fighting this for over a year.
Wyndham told what you owed to be paid up to date.
Did you pay that amount ? No, you put a restricted endorsement while paying less than your balance allowing your situation to deteriorate to where you are now
End result your fixed weeks were dropped from the points program.
You can file your complaints but I wouldn’t expect much help as Wyndham clearly billed you but you didn’t pay.
First question, do you have proof you paid your monthly bill ? What’s your answer ? I didn’t know I had one ?
Wyndham will say the bill was sent & your only defense is that you didn’t receive it. Then ounce you figured out you hadn’t paid your bill you refused to bring your account up to date.
Harsh but a reality check
Your assumption is completely erroneous.
You appear to be a spokesperson for Wyndham . . .
* The scenario is that Wyndham ARBITRARILY stopped Auto Pay during a time we were on an extended road trip. No notice was sent by either regular mail or email. No bills were sent. When we returned home, there was a collection notice, and that is when we began the numerous phone calls with Wyndham and the collection agency.
* NO. Wyndham DID NOT "clearly bill us"! They did not bill us directly at all at any time once they removed our credit card from their system. And we did not "refuse to bring our account up to date" as that is exactly what we did. Nevertheless, Wyndham continued to add fees on a fully paid amount and then turn the cumulative amount over to collection.
* Of course we did not pay the amount Wyndham was demanding--BECAUSE we DID NOT owe that amount. There was no default on our part. We had a written agreement with Wyndham which they suddenly stopped honoring. They breached our written agreement by ceasing to honor that agreement by electronic billing/payment from our credit card. There was NO delinquency on our part. There was NO default on our part. The breach was solely on the part of Wyndham. Would you just automatically pay an amount that a creditor told you was due? With added fees and collection costs? When you had made arrangements through a written agreement for regular payment of the monthly charges?
* The ONLY statement in your long list that applies is that our credit card expired. HOWEVER, it was automatically renewed. Now that Wyndham has taken over WorldMark, we have three items that are set up for automatic electronic payment charged to our credit card. Wyndham continued to process the payments for two of those items to the very same credit card with the same expiration and renewal date but failed to do so for our Club Wyndham Plus dues.
* Of course we have proof of payment. Duh! They accepted the check I sent as full and complete payment on the condition that all fees and collection costs be reversed and our account be credited in full.
* Since there was no breach of contract on our end, Wyndham had no cause to drop us from the points program.
* And Wyndham most certainly has absolutely no right to terminate our RCI membership, which is affiliated with five other timeshares we own and in which we have weeks deposited.
*Furthermore, Wyndham has failed and refused to send us any billing whatsoever for our 2019 dues, even though we have requested that they do so, so that we could keep them current.
