Here is what happened with the credit card issue. I called Bank of America to find out information on the credit card application. I was told it was submitted on the day that I went on the 'update" (surprise, surprise). I requested a copy of the application, closed the account and then was transferred over to the fraud department. Fraud department told me that I must have signed something to authorize the request for a new card, that that’s just what happens in timeshare presentations and there really wasn't a case of fraud here it was just a lapse of memory on my part.
I called the Wyndham skyline towers and tried to reach the sales department so I could request copies of all documents signed on that date. I was told they had moved from their sixth floor headquarters and was given another number which did not connect me to anyone.
I did get an e-mail from Wyndham doing a standard quality assurance survey where I spelled out my "update" situation and voiced my concerns and asked for copies of all signed documents from that date. I'm sure they will never read it, much less respond to it.
Yesterday I received the copy of the application from Bank of America along with a cover letter stating that they enclosed the best copy(ies) possible for my records. The application contained many inaccuracies along with my correct social sec # which I don't give out. I checked with my daughter and she could not recall me giving out the social sec # either. I did give them my RCI account number, I did not think any of my resale timeshares would qualify for points and maybe that would bring the 'update" to a quicker end. At the presentation I did mention that I already had an RCI card, just not in my immediate possession, I left it in my room. I did leave it on file with the front desk. Don't know if they could have gotten any information from that or not.
I told them several times at the presentation that I was unemployed, had two children in college and I was not considering going into debt for any reason. Especially not for something that I already owned and was quite happy using just the way it was.
The credit card application listed my income at over two times what I made in my best year of employment. Usually before they have you go on a "presentation or update" they ask your income, they never requested that information at any point either before, during or after the update. It listed my employer as the National Branch of the non-profit that I did indeed work for for many years but I have not worked for them in about a year and a half. It (the application) gave my maiden name (which is on my drivers license) as my mothers maiden name. There were no signatures on the application. On the application received from Bank of America it lists the Aquistion channel as Maximization (whatever that means). It spelled my name as it only is listed as on my drivers license (leeAnn). I have a double name and usually only go by the first name (Lee). For some reason when I moved to the state in which I live they took my old drivers license, smashed together my names and added my maiden name as my middle name. Only place it is listed as such. The credit card came as LEEANN. The residence details were fabricated. I do remember during the presentation that they said they could see if I qualified for their conversion. I told them not even to bother as I knew my credit was good as I pay all my bills upon receipt and have no credit card debt, mortgage etc., only college payments which I pay in full each semester. They then questioned me on my residence and how much I paid for it. All during the "chatty" part of the 'update". I told them the house was more or less a pass down from a family member and I had only put money into renovation through a long ago home equity that has been paid off for some time. The approximate amount of my home equity (which I did give them a guesstimate) showed up as the purchase price and the current market value showed up as the number I threw out just to try to dissuade them from badgering me. (It was a pretty low number for a house value).
I don't own any Wyndham properties, all of my timeshares are at mediocore resorts, I think my SA resort went Silver Crown but none of the others are crown worthy. This was all for me to convert my one resort to points.
So bottom line is-I closed the account, I have learned that in the future to always ask for copies of anything signed at a presentation, even if it seems like just the papers to make me think I am missing out on something important("decline sheets"), and the credit card company did not think it was improper.
Lee
for your current Wyn ownership.
