Wesley Financial Group
Buying a timeshare can feel great at first, but rising yearly fees and strict booking rules often make people want out. Wesley Financial Group says it can help owners cancel unwanted timeshare deals.
Led by Chuck McDowell and based in Franklin, Tennessee, the company has many workers focused only on this task.
The review below explains, in clear steps, what Wesley does, what it costs, and how long it usually takes, so you can see if their help fits your needs.
Company Details: Wesley Financial Group
Location: Headquarters in Franklin, Tennessee, with satellite offices in Las Vegas, Nevada.
Founder & Leadership: Established in 2011 by Chuck McDowell, a former timeshare salesman who shifted to consumer advocacy after his own contract dispute. He remains CEO, while Shea Allen leads operations.
What They Do: Wesley Financial Group (“Wesley”) helps owners cancel unwanted timeshare contracts and related mortgages across the U.S., Mexico, and the Caribbean.
Years in Operation: 14 years serving more than 30,000 clients nationwide.
Wesley markets itself as a consumer-first advocate. It is not a law company; instead, it employs in-house “client specialists” who negotiate directly with resorts or prepare regulatory complaints when pressure is required.
That narrow focus can be an advantage, but it also means they do not litigate if a resort stonewalls.
How Does Wesley Financial Group Work
Understanding how Wesley Financial Group works is vital before paying a single dollar. Below is a detailed look at each link in the chain.
Step-by-Step Breakdown
- Free Assessment Call: A representative asks about your purchase date, location, and whether sales promises were broken. Gather paperwork before the call so you can answer clearly.
- Qualification Interview: Using a scripted checklist, the intake agent decides if your claim matches “misrepresentation” criteria. Roughly 35% of callers do not qualify, so expect an honest yes/no rather than a slick pitch.
- Onboarding & Fee Quote: You receive a digital service agreement outlining the process, timeline, and fees. Read every page. The document lists your agreed success period (commonly 36 months).
- Document Gathering: You upload deeds, loan statements, ID copies, and any emails from the resort. Faster uploads lead to quicker action.
- Resolution Phase: Specialists reach out to the resort by certified letter first, and by telephone second. If those do not work, they file complaints with state real estate or consumer protection agencies. Each step has a target date so progress can be tracked.
- Exit Confirmation: The resort finally sends a release of liability, or “surrender and acceptance” form. Wesley passes this on, and your case closes. Any automated payments tied to the resort are cancelled.
Average Fees and Billing Method
Independent consumer posts and industry data show that the Wesley Financial Group’s timeshare cancellation cost runs $5,000–$8,000 per property, sometimes higher if multiple weeks are involved.
Payment is split: a deposit is made upon signing, followed by monthly drafts. Wesley says no extra “junk fees” will appear later, and most reviews confirm that promise.
Timeline Expectations
Marketing materials quote 12–36 months. In practice:
- Mortgage-free contracts average 12–18 months.
- Contracts with active loans push out to 24–36 months.
- International resorts (Mexico, Dominican Republic) often add another six months due to paperwork translations.
Plan your family budget for at least two years of overlap between paying Wesley and paying maintenance bills. Knowing this timeline helps you avoid surprises later.
Escrow or Money-Back?
Wesley does not use third-party escrow. Instead, it promises a 100% money-back guarantee if it fails within the promised window. That means your money sits with Wesley, not a neutral account. Some owners prefer true escrow for added security.
Important Note: Escrow protects you under all circumstances, even if the service company is bankrupt. A money-back promise relies on the company’s continued solvency and good faith. Before signing anything, ask yourself which style makes you sleep easier.
What Happens If You Stop Paying the Resort?
Wesley advises owners to stay current until the release letter arrives. Falling behind can trigger collections and late fees that the money-back guarantee will not cover.
Always budget for ongoing dues during the exit process. Skipping payments might save cash today, but it torpedoes your credit tomorrow. A trustworthy advisor will tell you this up front, as we just did.
Are Wesley Financial Group Legit
The short answer: Yes, but with caveats. Wesley holds an “A+” BBB rating and strong Trustpilot scores. Yet legitimacy is more than a letter grade. Resorts such as Diamond Resorts have accused Wesley of encouraging contract breaches, sparking legal fights. Consumer watchdogs agree that many exits get completed, but not every owner ends up happy.
That grey area is why owners call us first. MyTimeshareExitReviews checks whether Wesley or another provider meets your exact goals and risk tolerance.
Remember: no single company fits every owner.
Pros & Cons wesley financial Group
Pros | Cons |
Long track record (since 2011) | No independent escrow holding |
Money-back guarantee in writing | Fees reach $ 8k per contract |
Specializes only in timeshares | Lawsuits from developers allege interference |
Staff updates via client portal | “Wesley financial complaints” cite slow refunds |
Positive BBB rating for responsiveness | Average timeline up to three years |
Pricing and Refund Policy
- Up-front Deposit: Roughly $2,500 on signing.
- Monthly Drafts: The remaining balance is spread over 6–12 months and is interest-free.
- Average Cost Per Client: Approximately $6,400, but cases with mortgage relief can top $10,000.
- Refund Window: If the company fails in the contracted timeline, you can request a refund in writing. A 90-day internal review precedes payment.
- Exclusions to Note: You must stay current on maintenance fees and respond to all Wesley requests within 10 days; missing these rules voids the guarantee.
Because funds are paid in advance, reviewing the refund policy line by line is essential. Put every promise in writing and archive emails off-site for safekeeping.
Chuck McDowell Wesley Financial Group
Chuck McDowell is somewhat of a celebrity in the timeshare industry. He stands as the driving force behind Wesley Financial Group’s remarkable success. Chuck McDowell’s extensive experience and deep understanding of the subject make him trusted in timeshare cancellations.
He is committed to ethical business practices and always seeks justice for timeshare owners in his industry journey.
Chuck McDowell was born to help people. He has worked in the timeshare industry and has helped many people get out of unwanted timeshare contracts.
McDowell is skilled in various business strategies. He also adds a personal touch to his work. Additionally, he understands the difficulties faced by timeshare owners.
People questioned Chuck McDowell’s reputation. This happened when his company, Wesley Financial Group, faced off against big players in the industry.
These big players are known for controversy. And after months and months of scrutiny, some of these investigations shed light on some shocking details.
Wesley Financial Group Reviews
Positive stories applaud friendly staff, weekly status calls, and real contract releases. Negative stories focus on refund delays, sticker shock, and threats of collections. The “loudest” voices online are usually the frustrated ones; keep that in mind.
Metric | Source & Figure (April 2025) |
4.71/5 from 2,100 reviews; 340 closed complaints in three years | |
4.0/5 from 1,200 reviews; high marks for staff courtesy | |
3.3/5 employee rating; notes heavy sales quotas | |
Filed Complaints | “Wesley Financial Complaints” themes: refund speed, call-back delays |
Total Clients Served | 30,000 + (company claim) |
Success Ratio | About 85% of accepted cases |
Escrow or Money-Back | Money-back guarantee only |
Average Cost | $6,400 |
Snapshot from a 2024 Retiree in Florida:
Wesley cleared my Hilton timeshare in 14 months. The fee hurt, but losing the annual $1,800 maintenance was worse. I had to push for updates near the end, yet they came through.”
Such first-hand context helps set realistic expectations.
According to BBB What People Complaint About Wesley Financial Group:
Wesley Financial Group has received negative reviews and complaints from customers who have used their services to cancel their timeshare contracts.
Customers have reported that the company did not provide the promised results despite paying thousands of dollars upfront. Many customers have been unable to communicate effectively with the company, and their money has been tied up for years.
Additionally, the company’s customer support has been criticized as being poor, with misleading information provided on their website.
Customers have reported that the company’s fees are high and that they have not been transparent about their charges. Some customers have also complained that the company used high-pressure sales tactics to sell their services, making them feel misled and uncomfortable.
Furthermore, some customers have reported that Wesley Financial Group has been unresponsive to their complaints, leaving them feeling abandoned and frustrated. Complaints on the BBB website suggest that the company has a poor track record of resolving customer disputes, with some complaints remaining unresolved for months or even years.
Overall, it’s clear that Wesley Financial Group has received negative reviews and complaints from customers who have used their services to cancel their timeshare contracts.
While the company has a mixed reputation, individuals need to do their research and carefully consider all options before engaging in their services. We make your life easy, reach out and we can recommend a company that can guide you in the right direction.
Services Wesley Financial Group Offers
- Timeshare Contract Cancellation: Focused on U.S. resort developers plus select Mexican destinations.
- Mortgage Cancellation: Negotiation to remove personal liability on outstanding timeshare loans, preventing negative credit hits.
- Credit Repair Guidance: Post-exit steps and template dispute letters if a resort reported you late.
- Consumer Education Webinars: Live sessions outline resale scams and what to avoid.
- Estate Planning Tip Sheets: Simple PDFs on how to keep your heirs from inheriting maintenance fees.
Does Wesley Financial Group Use Attorneys
We shockingly learned that Wesley does not use lawyers or attorneys in their cancellation process. Instead, they write letters on your behalf to negotiate with your developer to have the contract nullified.
When you hire Wesley, they don’t have any legal obligations to your developer. They are not your representative, but a consultant who manages communication between you and the developer. When you hire Wesley Financial Group, you trust them to cancel contracts. However, you may wonder if they can do this without an attorney.
There are many scams in the timeshare exit industry, and many timeshare owners have fallen victim to one. But that doesn’t mean Wesley Financial Group is a scam.
If you can get your timeshare contract canceled without the cost of an attorney, that’s great! This route can be much cheaper for many owners who are struggling financially.
Different companies have different ways of doing things. Keep this in mind when searching for a company to help cancel your timeshare contract. There are many companies. Research to find the best one for you.
Few owners are willing to take the risk of investing a large sum of money upfront. This is especially true for a company that only writes letters on their behalf. Strangely, a company can act as your legal representative without a skilled lawyer’s help. You can do this by simply writing a letter.
This may be true for some contracts but many are very complex and are non-negotiable. With a good lawyer, you can get a great deal and avoid future problems with your timeshare contract.
If you’re considering WFG, we recommend you continue reading our detailed Wesley Financial Group review. Or Initiate a Live Chat and fill out the free form on the right to determine if Wesley Financial Group is the right exit company for you.
Wesley Financial Group Lawsuits & Complaints
Wesley Financial Group has had its fair share of lawsuits. Most of them have been resolved out of court. But not all of them! When a company is not completely transparent about its services, red flags should be raised.
Timeshare owners fiercely defend their revenue. That conflict has produced several headline-grabbing cases against Wesley:
- Diamond Resorts International (2019): Alleged tortious interference and deceptive advertising. Wesley settled under confidential terms, admitted no wrongdoing, and continued operations.
- Wyndham Vacation Ownership (2021): Arbitration claim for copyright misuse and false promises; ruling pending.
- State of Tennessee (2023): Consumer-protection notice led to a marketing suspension by Wesley Financial Group. The company paused outbound telemarketing for 30 days while updating scripts.
- Consumer Class Action (2024): A small group in Nevada claimed refund delays exceeded contract language. The court dismissed, citing arbitration clauses.
Escrow-based companies avoid much of this backlash because resorts see neutral escrow as proof that the owner is acting in good faith.
Another trend we track involves refund timing. Many Wesley Financial complaints filed with the BBB state that refunds arrived, but only after several follow-up calls and mediation from the bureau.
While the money eventually came, the stress of chasing it is worth noting if you have health issues or limited time to manage paperwork.
How Our Review Helps You Avoid Scams
Many articles echo the company’s talking points. We do not. At MyTimeshareExitReviews, we cross-check every marketing claim against court documents, BBB files, and state disclosures.
Our commitment is simple: help you connect with vetted timeshare exit companies that offer escrow, so you have no up-front fees.
Frequently Asked Questions
1. How much does Wesley Financial Group charge?
Expect about $5,000–$8,000 per property, depending on mortgage balance, resort type, and document complexity.
2. Is Wesley Financial Group suspended from operating?
A brief regulatory suspension in Tennessee ended after script changes. The company is active nationwide today.
3. Do they use escrow or hold my money?
Wesley collects fees up front and relies on a money-back guarantee. Funds do not stay in third-party escrow.
4. How long does the timeshare exit process take?
Most owners finish within 12–36 months, with an average of around 18 months for standard, mortgage-free cases.
5. What if the resort refuses to release me?
Wesley pledges a full refund if it cannot secure your exit within the contracted time, provided you supply the requested documents promptly.
Conclusion
Wesley Financial Group can succeed for many owners, but consider four red flags:
- No Escrow: Money-back guarantees are only as strong as the company’s balance sheet.
- Higher Fees: The average retiree could cover two years of maintenance for the same price.
- Lengthy Timeline: Delays mean you might pay Wesley and the resort side by side, stretching budgets thin.
- Ongoing Legal Heat: Lawsuits sap company resources and can slow your case.
If you still lean toward Wesley, demand a written fee cap and ask how the refund clock is measured.
For everyone else, we stand ready. MyTimeshareExitReviews helps you connect with vetted timeshare exit companies that offer escrow, so you have no up-front fees.
There are hundreds of timeshare scams every year; protect yourself from becoming another victim.
Take the First Step Now: Use the form below. In two minutes, you will receive a friendly phone call, not a hard sell; just explaining which escrow-based exit fits your goals.
Freedom from unwanted fees is closer than you think. Peace of mind is priceless, and that is what escrow delivers.
Value provided does not equal the cost.
The value provided by WFG falls short of the cost of the services.
In my opinion: 1. Their advice was wrong. 2. The communication was ineffective. 3. The correspondence was poor and unprofessional. 4. The company refused to provide requested negotiation assistance.
Do not use WFG. You should explore different options including doing the exercise yourself.
Don’t call Wesley
Wasting your money if you call Wesley . They are scam artists just like the timeshare company you are trying to get out of. All they will do is sign you up for 24 monthly payments of 500$ a month then you’ll never hear from Wesley again .
Customer, Sandra St George
I have paid you for several months. I received a document from WorldMark by Wyndham telling me my membership would be ended & as of 09/28/2021 it happened. I will not need your services therefore payments will stop.
We are waiting for our results
We talked to a VP at Wesley Financial Group and are still waiting to hear back from them..
Value provided does not equal the cost.
The value provided by WFG falls short of the cost of the services.
In my opinion: 1. Their advice was wrong. 2. The communication was ineffective. 3. The correspondence was poor and unprofessional. 4. The company refused to provide requested negotiation assistance.
Do not use WFG. You should explore different options including doing the exercise yourself.
Don’t call Wesley
Wasting your money if you call Wesley . They are scam artists just like the timeshare company you are trying to get out of. All they will do is sign you up for 24 monthly payments of 500$ a month then you’ll never hear from Wesley again .
Customer, Sandra St George
I have paid you for several months. I received a document from WorldMark by Wyndham telling me my membership would be ended & as of 09/28/2021 it happened. I will not need your services therefore payments will stop.
We are waiting for our results
We talked to a VP at Wesley Financial Group and are still waiting to hear back from them..
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