Our take: Wesley Financial Group is a family-owned business, and founder Chuck McDowell’s background in the timeshare industry is a frequent selling point, especially in marketing. But the company isn’t BBB-accredited, and complaints are higher than average.
In our broader analysis of the industry, we’ve found that companies using attorney-backed strategies (namely The Stonegate Firm) have fewer complaints and more transparent processes than companies that rely heavily on strategic default.
Timeshare Exit
- 50,000 timeshare cancellations
- Founded by a former timeshare insider
- Free initial consultation
- Responsive customer service team
- Not BBB-accredited
- Higher-than-average customer complaints
- Limited information about pricing
- Must complete intake call for plan details
| Initial consultation | Free consultation |
| Fees | One-time upfront fee |
| Process | Consultation, eligibility, plan, and execution |
| BBB rating | 4.43/5, Not accredited |
Wesley Financial Group boasts an impressive track record, having successfully canceled 50,000 timeshares and achieved a total savings of $635 million for its customers. The company specializes in canceling timeshare contracts, rather than selling timeshares. But you can’t get much information about the process until you complete a consultation.
Wesley Financial Group also isn’t BBB-accredited, and the customer complaints are higher than expected. Here’s an in-depth look at the company, including what you can expect as a potential customer.
Table of Contents
About Wesley Financial Group
Chuck McDowell founded Wesley Financial Group in 2011 after working in timeshare sales and becoming disillusioned with the industry’s aggressive tactics. His insider experience is central to Wesley’s brand and marketing, and the company positions itself as an advocate for families who feel misled by developers.
How it works
Wesley Financial Group’s goal is to cancel timeshare contracts and release families from the mortgages and fees. It’s challenging to find detailed information about the exact process.
Here’s an in-depth look at the services Wesley Financial Group offers.
Free timeshare exit info kit
You can request a free timeshare exit kit from Wesley Financial Group. This digital package includes information about timeshare cancellation, money-saving travel tips, and the company’s background.
It’s a helpful way to learn more about Wesley Financial Group without going through an entire consultation. Most of the information is available online without signing up, but you can request a hard copy sent to your home for free.
100% money-back guarantee
The company offers a 100% money-back guarantee if the cancellation isn’t successful. It’s part of the industry standard to have a money-back guarantee or escrow account for payment. Both options help protect consumers from fraud. According to BBB and Reddit reviews, customers report that the company honors the guarantee.
Free qualification call
You can request a free qualification call by filling out the form online or calling 800-425-4081. Representatives are available every day of the week, and it’s easy to set up the intake. The call is straightforward, but you need to have information about your timeshare and finances.
Family-owned with a community focus
Wesley Financial Group is a privately traded company located in Tennessee. The company focuses on the local community with different charity partnerships, including Tennessee Alliance for Kids, Metro Police Christmas Charities Toy Drive, ShowerUp, Paws and Warriors, and People Loving Nashville.
How much does Wesley Financial Group cost?
Like most other timeshare companies, Wesley Financial Group doesn’t provide information about pricing or plan details until you complete a free consultation. It’s pretty standard in the timeshare exit industry, but it makes it challenging to compare options. According to Wesley Financial Group customers on BBB, pricing ranges from $6,000 to $8,625.
$635 million saved
Wesley Financial Group has helped customers get rid of $635 million in timeshare debt, including mortgages and fees. The company encourages you to consider the long-term savings potential when paying the upfront fees. That mindset might work for some people, but others might not be able to afford the cost.
Is Wesley Financial Group legit?
Based on our analysis, Wesley Financial Group is a real company that has canceled tens of thousands of contracts, but it also has more complaints and more lawsuits than several higher-rated competitors.
It’s always smart to watch out for timeshare exit scams as you search for the right company.
Here’s an in-depth look at Wesley Financial Group, including BBB complaints, AARP advertising, and lawsuits.
BBB complaints
Wesley Financial Group has a higher-than-average number of complaints on the Better Business Bureau and isn’t accredited. It seems like the company is aware of the issues and is trying to fix them.
A note at the top of the company’s BBB profile states, “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.”
Wesley Financial Group is also active on the site, replying to comments and trying to resolve each one. It’s an indicator that the company takes complaints seriously. Multiple customers have left additional comments stating that the complaint has been resolved.
Wesley Financial Group lawsuits: What the cases say
Wesley Financial Group has dealt with a handful of lawsuits over the years, often involving issues with vacation ownership developers or vacation rental companies, including Capital Vacations and Westgate.
One of the developers accused Wesley Financial Group of unethical business practices and a misleading money-back guarantee. Wesley Financial Group has also filed a lawsuit in response.
From a consumer perspective, the Wesley Financial Group lawsuits are less about the ethics of Wesley Financial Group and more about how the timeshare company might be damaging the potential profits of other companies.
Use of strategic default
Some lawsuits and consumer complaints claim that Wesley Financial Group advises clients to stop making timeshare payments, a practice known as strategic default. For instance, Capital Vacations’ 2024 federal lawsuit alleges that Wesley instructs customers to cease payments, leading to foreclosure risks and credit damage.
Strategic default means intentionally stopping payments on a loan or contract to force a resolution or cancellation. It’s risky because missed payments can trigger foreclosure, collections, or long-term credit damage that’s difficult to repair.
Similarly, a 2025 BBB complaint describes a customer experience consistent with this approach. We noticed that Wesley’s response did not explicitly deny it, instead emphasizing transparency and client consent:
While Wesley maintains that it acts ethically and informs clients about financial commitments, these reports have raised questions about its methods.
Heads up: Stonegate Firm, our team’s top-rated timeshare exit company, does not rely on strategic default and instead works through licensed legal channels to achieve cancellations without jeopardizing clients’ credit.
At Stonegate, we don’t consider defaulting on a contract to be a legal exit. Just walking away and hoping nothing happens isn’t the same as being released. These resorts have airtight contracts and large legal teams, so default often leads to foreclosure and long-term credit damage.
AARP ends advertisements
Consumers’ Checkbook reported in 2020 that AARP decided to enact a Wesley Financial Group suspension and no longer accept advertising from it due to lawsuits and BBB complaints.
But according to screenshots from print magazines and subscriber comments, AARP issues still include advertising from the company.
Pros and cons
Wesley Financial Group might be worth a look for some timeshare exit owners who want to end their contract. But it’s not the right option for everyone. Here’s what to consider as you decide.
Pros
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Successful cancellation of 50,000+ timeshare contracts
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Company was founded by a former timeshare sales employee who had an inside look at the industry
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Get answers and additional information during a free initial consultation
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Customer service team is responsive and almost always available
Cons
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Not BBB-accredited
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Higher-than-average number of customer complaints
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Hard to find information from the company about pricing
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Claims state that the firm relies on strategic default
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Must complete an intake call for plan details
Wesley Financial Group reviews: What customers say
Customer reviews can give you a better understanding of what it’s like working with a company. Wesley Financial Group’s reviews are quite positive, and most customers are happy with their experience.
Here’s an overview of Wesley Financial Group reviews from some of the biggest sites.
| Source | Rating | Number of reviews |
| Better Business Bureau | 4.43/5 | 673 |
| Trustpilot | 4.3/5 | 1,395 |
| 4.5/5 | 2,364 |
One Redditor shared that after spending around $15,000 on a timeshare they rarely used, they turned to Wesley Financial Group for help. After several months, the company confirmed their cancellation was complete, described as a “huge win” and a financial relief for their family:
Here’s the bottom line.
- What it does well: Thousands of reviewers report a positive experience working with Wesley Financial Group. Customers say that the company is effective at canceling contracts, and representatives go above and beyond to help.
- Where to be cautious: Some customers report that the fees are high, and that they could have saved money by doing it themselves or working with a different company. A handful of Wesley Financial Group’s bad reviews come from people who have never worked with the company but report receiving excessive spam calls.
Alternatives
If you’re comparing timeshare exit options, here’s how Wesley stacks up against three of the top companies featured in our Best Timeshare Exit Companies list.
Wesley Financial Group vs. Stonegate Firm
Stonegate Firm earns our Best Overall designation because it provides attorney-led cancellation strategies through a co-branded law firm, something Wesley doesn’t offer.
Differences:
- Approach: Stonegate uses legal negotiation and consumer protection law; Wesley has been criticized in some lawsuits for relying on strategic default.
- Guarantee type: Stonegate provides a money-back guarantee, similar to Wesley, but also avoids any strategy that risks foreclosure or credit damage.
- Transparency: Stonegate shares more about its process upfront; Wesley requires a full intake call before giving details.
If you want a company that avoids default-oriented strategies and provides legal representation from the start, Stonegate is the safer choice.
We take a legal approach to every case, not just boilerplate letters. We stay in the trenches with our clients until the job is done.
Wesley Financial Group vs. Linx Legal
Linx Legal has one of the strongest long-term reputations in the industry, with 16 years in business and an A+ BBB rating.
Differences:
- Experience: Linx has been around longer than Wesley.
- Guarantee + rating: Linx holds BBB accreditation; Wesley does not.
- Process: Linx focuses on contract cancellation without strategic default, while some Wesley complaints and lawsuits indicate otherwise.
If you want long-standing experience plus a cleaner reputation, Linx Legal is worth considering.
Wesley Financial Group vs. Lonestar Transfer
Lonestar Transfer specializes in title transfers and works particularly well for owners who simply want a clean transfer out of their contract.
Differences:
- Service type: Lonestar focuses on guaranteed title transfer, while Wesley focuses on contract cancellation.
- Guarantee: Lonestar offers a money-back guarantee and has an A+ BBB rating.
- Pricing clarity: Lonestar often provides clearer expectations on upfront fees compared to Wesley’s consultation-based pricing.
If your timeshare is eligible for a straightforward transfer, Lonestar is often faster and cleaner than a cancellation process.
Article sources
At LendEDU, our writers and editors rely on primary sources, such as government data and websites, industry reports and whitepapers, and interviews with experts and company representatives. We also reference reputable company websites and research from established publishers. This approach allows us to produce content that is accurate, unbiased, and supported by reliable evidence. Read more about our editorial standards.
- Checkbook, Trouble With Timeshare Exit Companies
- Better Business Bureau, Wesley Financial Group
- Wesley Financial Group, How Much Does it Cost to Cancel a Timeshare?
- CBS42, Wesley Financial Group Helps 10,000 Families Cancel Timeshare Debt in the Last Year
- Reuters, Vacation Timeshare Developer Westgate Defeats ‘Exit’ Company’s Lawsuit
- Justia U.S. Law, Capital Resorts Group LLC v. Wesley Financial Group LLC et al, No. 4:2024cv03043
- Wesley Financial Group, Get Your Free Timeshare Exit Info Kit
- The Silicon Review, Chuck McDowell, Founder and CEO of Wesley Financial Group, LLC, Speaks to The Silicon Review
- Wesley Financial Group, Wesley Financial Group Year in Review 2024
- Consumers’ Checkbook, Trouble With Timeshare Exit Companies
- AARP Online Community, Cancel Timeshare Ad
- Timeshare Users Group, New Timeshare Exit Ad
- Trustpilot, Wesley Financial Group
About our contributors
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Written by Taylor Milam-SamuelTaylor Milam-Samuel is a personal finance writer and credentialed educator who is passionate about helping people take control of their finances and create a life they love. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
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Edited by Kristen Barrett, MATKristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015.