← Back to All Companies

Executive Summary

Wesley Financial Group (WFG) presents a mixed risk profile as a timeshare exit company. Founded in 2011 by Chuck McDowell, a former timeshare industry insider, the company has established itself as one of the larger players in the timeshare exit industry. WFG claims to have helped over 50,000 clients and eliminated over $635 million in timeshare debt. The company has an A+ rating with the BBB but is not BBB accredited, and has accumulated 85 complaints over the past three years. While WFG offers a 100% money-back guarantee, recent lawsuits allege this guarantee has significant limitations and is difficult to claim. The company is currently facing multiple lawsuits from timeshare developers, including a recent 2024 lawsuit from Capital Vacations alleging deceptive business practices. Customer reviews are polarized, with some reporting successful exits and others describing poor communication and failure to deliver promised services. Based on our comprehensive analysis, Wesley Financial Group represents a MEDIUM RISK option for timeshare exit services, with consumers advised to exercise caution and thoroughly understand all terms before engagement.

Company Information

  • Company Name: Wesley Financial Group, LLC
  • Founded: 2011
  • Address: 9009 Carothers Parkway, Suite B3, Franklin, TN 37067
  • Leadership: Charles "Chuck" McDowell III (Founder, CEO, President)
  • Key Executives:
  • Jinanne West (President)
  • Charles McDowell (Chief Revenue Officer)
  • Cameron McDowell (Chief Marketing Officer)
  • Whitney Rice (Chief Experience Officer)
  • Lyndsay Smith (General Counsel)
  • Business Model: Timeshare exit/cancellation services
  • Claimed Results: Over 50,000 timeshares canceled and $635 million in timeshare debt relief

BBB Verification

  • BBB Rating: A+
  • BBB Accreditation: Not BBB Accredited
  • Customer Complaints: 85 total complaints in the last 3 years
  • Complaint Resolution: 25 complaints closed in the last 12 months
  • Complaint Pattern: Mixed, with some complaints about:
  • Failure to deliver promised services
  • Communication issues
  • Difficulty obtaining refunds under the money-back guarantee
  • Lengthy timelines for resolution
  • BBB Notes: "Wesley Financial Group would like the opportunity to speak with the consumer before a complaint is filed at 615-465-0405. However, this is not a requirement before filing a complaint."

Legal Research

  • Current Lawsuits:
  • Capital Vacations filed a lawsuit in May 2024 against Wesley Financial Group and Chuck McDowell alleging deceptive business practices

  • According to the Capital Vacations lawsuit, WFG is currently facing three federal lawsuits for similar activities

  • Legal Allegations:

  • Charging upfront fees for services that don't deliver legitimate value
  • Instructing owners to stop payments, potentially leading to foreclosure and credit damage
  • Misrepresenting the money-back guarantee terms
  • Engaging in the unauthorized practice of law

  • Using "ghost-written complaints" to create the appearance of working on behalf of clients

  • Prior Legal Issues:

  • A federal judge has reportedly ruled that WFG's business practices violate Tennessee's consumer protection statute
  • The BBB of Middle Tennessee has issued an alert citing several of the federal court's findings

Customer Review Analysis

  • Review Sources: BBB, Trustpilot, Yelp, Reddit, Facebook
  • Rating Pattern: Highly polarized reviews
  • Common Positive Themes:
  • Successfully canceled timeshare obligations
  • Professional and responsive staff
  • Clear communication throughout the process

  • Delivered on promises within expected timeframes

  • Common Negative Themes:

  • High upfront fees ($4,000-$6,000 reported)
  • Poor communication after initial payment
  • Lengthy process with minimal updates
  • Difficulty obtaining refunds under the money-back guarantee

  • Claims that the company simply instructs clients to stop making payments

  • Representative Review Quote: "They do nothing to get you out of a timeshare except take your money to do a job that they just do not do! Fraud just like the timeshares!"

Business Model Analysis

  • Fee Structure: Upfront fees reported between $4,000-$6,000
  • Service Delivery Method:
  • Initial free consultation
  • Custom strategy development
  • Claims to take action against timeshare companies

  • Money-back guarantee if unsuccessful

  • Transparency Issues:

  • Limited transparency about specific methods used
  • Lawsuits allege the company primarily instructs clients to stop making payments

  • Allegations that the money-back guarantee has significant limitations in the fine print

  • Red Flags:

  • Upfront fees before services are delivered
  • Multiple lawsuits from timeshare developers
  • Allegations of deceptive business practices
  • Reports of difficulty obtaining refunds under the guarantee
  • Judicial finding of violation of Tennessee consumer protection laws

Risk Assessment

RISK LEVEL: MEDIUM

  • Financial Risk: Medium to High - Substantial upfront fees with mixed evidence of service delivery
  • Legal Risk: High - Multiple ongoing lawsuits and reported judicial findings against the company
  • Performance Risk: Medium - Mixed customer reviews with both successful and unsuccessful outcomes reported
  • Communication Risk: Medium - Some complaints about poor communication after initial payment
  • Longevity Risk: Low - In business since 2011 with substantial claimed client base
  • Transparency Risk: Medium to High - Limited transparency about specific methods and allegations of misrepresentation

Recommendations

  1. PROCEED WITH CAUTION: Based on our comprehensive analysis, consumers should exercise significant caution when considering Wesley Financial Group for timeshare exit services.

  2. DUE DILIGENCE STEPS:

  3. Request detailed written explanation of their exact process
  4. Carefully review all contract terms, especially regarding the money-back guarantee
  5. Ask for references from clients with similar timeshare situations
  6. Research the specific timeshare developer's policies on exits and transfers

  7. Consider consulting with an independent attorney before signing any agreement

  8. ALTERNATIVE APPROACHES:

  9. Contact the timeshare developer directly to discuss exit options
  10. Consider reputable law firms specializing in timeshare law with transparent fee structures
  11. Explore legitimate resale or rental options through established platforms

  12. Investigate deed-back or surrender programs offered by some developers

  13. IF ALREADY ENGAGED:

  14. Document all communications and promises made
  15. Request regular written updates on progress
  16. Be aware of your rights under the money-back guarantee
  17. Consider filing complaints with appropriate agencies if issues arise

Conclusion

Wesley Financial Group presents a complex risk profile. While the company has longevity in the industry and claims significant success metrics, it also faces serious legal challenges and allegations of deceptive practices. The polarized nature of customer reviews suggests inconsistent outcomes. The company's A+ BBB rating contrasts with the 85 complaints filed and the reported legal findings against it. Consumers should approach with caution, thoroughly understand all terms before engagement, and consider alternative approaches that may offer more transparency and lower upfront costs. The recent lawsuit filed by Capital Vacations in May 2024, along with the reported judicial finding of Tennessee consumer protection law violations, raises significant concerns about the company's business practices.

Report generated: July 21, 2025
Disclaimer: This report represents findings based on information available at the time of research and should not be considered legal advice.

📄 Download Report (Markdown)