Great value vacations class action lawsuit

0. Capital vacations is currently facing a class action lawsuit, which is being pursued by a group of individuals collectively seeking a legal remedy for alleged grievances related to their vacation experiences. The lawsuit aims to address concerns regarding the company’s practices and ensure a fair resolution for all affected parties.

Great value vacations class action lawsuit. It’s shortly after midnight, and you’ve just been awakened by a phone call from one of your company’s attorneys. She is letting you know that, as an officer and director of the com...

Plaintiffs Ronald Herbert of Baton Rouge, La., and Aime Denault of Westminster, Mass., claim they were given a five-day river cruise and eight-day bus trip instead of the 15-day luxury cruise they purchased. The cruise ships were "moored at out of the way locations," the plaintiffs say. According to the Vantage class action lawsuit, Herbert ...

The class action lawsuit settlement benefits consumers who purchased Hefty and/or Great Value recycling bags between July 20, 2018, and Aug. 30, 2023. According to plaintiffs in the case, Reynolds misled consumers to believe that its recycling trash bags were recyclable.A former Target Corporation employee claims the retailer violated California labor law by failing to pay out unused vacation days at the correct rate upon her separation from the company. In particular, the case claims Target failed to pay employees for unused vacation time at their "final rate," which includes shift differential pay, and ...This acquisition will increase HGV's membership base from around 525,000 members to about 740,000. Hilton Grand will go from offering approximately 150 vacation destinations to around 200. Thanks to Bluegreen, this merger will provide HGV timeshare owners with more East Coast locations, a greater variety of outdoor-themed resorts, and ...BLUEGREEN VACATIONS UNLIMITED, INC. , a Florida Corporation, and BLUEGREEN VACATIONS CORPORATION, a Florida . corporation, Defendants-Appellees. On Appeal f rom the United States District Court for the Southern District of Florida Hon. Rodolfo A. Ruiz , II Case No. 21-cv-61938 . Brief of Amic i Curiae Consumer Financial Protection Bureau …Earlier in January, CIBC agreed to pay a total of $153 million to settle a class-action lawsuit filed more than a decade ago over the bank's overtime policies. The Royal Bank of Canada is facing a ...The Diamond Resorts Class Action Lawsuit emphasizes the significance of transparency and honesty in timeshare sales practices. If you believe you have been defrauded by Diamond Resorts, taking action and seeking legal counsel is critical. Though this may be a lengthy and complex process, the potential for compensation and …A class action lawsuit claims that Gerber Life Insurance Company’s savings plans such as the Gerber Life College Plan and the Grow Up Plan provide “no meaningful savings benefits.”. The Gerber savings plan class action lawsuit was filed by Beulah Prewitt, who argues that Gerber misrepresents life insurance policies as savings plans.

Since 2005, any class action where the claims have risen above $5 million, or where plaintiffs and defendants hailed from a number of different states, fall under federal jurisdiction. A judicial study found class action lawyers preferring to hear cases via the federal district court and has led to an increase in class action suits.Last week, an Oregon resident and vacation home owner filed a lawsuit against Portland-based Vacasa requesting class action status and seeking $3 million in estimated damages on behalf of herself and others. Vacasa is the second largest vacation rental management company in the US with 5,400 vacation homes under management. The complaint alleges that Vacasa misrepresented […]Several companies settled a class action lawsuit accusing them of collusion to keep prices high By clicking "TRY IT", I agree to receive newsletters and promotions from Money and i...The United States government has sanctioned eight Mexican companies it says are involved in a cartel-backed fraud scheme that has targeted U.S. owners of timeshare properties in Mexico ...Great Value vacations surpassed my expectations and will surely use them again. B. Cooks New York, NY . February 10, 2020 . I love these guys! I have used Great Value Vacations for 3 trips, london and Edinburgh, greece and several island cruise, and paris. It was an absolute dream.About me. Tyler Stiglich is the firm's Class Action Litigation Attorney in Orlando, Florida. Tyler focuses primarily on consumer protection class actions for timeshare cancellation and divestment. Tyler started his career as an Assistant Public Defender in Florida's 9th Judicial Circuit in Orlando where he represented defendants without ...Surcharge in a trust account is simply a lawsuit against the trustee due to illegal or mismanagement actions of the trustee. The purpose of a surcharge action in trust is to return...13. This Court has subject matter jurisdiction under the Class Action Fairness Act, 28 U.S.C. § 1332(d)(2). This is a civil action in which the matter in controversy exceeds the value of $5,000,000, exclusive of interests and costs. At least one class member is a citizen of a state that is different from the state of citizenship of Wyndham. 14.

A settlement has been reached in a class action lawsuit against All-Clad Metalcrafters, LLC and Groupe SEB USA, Inc. (collectively "Defendants") involving All-Clad's D3, D5, and LTD Cookware. The Settlement provides an opportunity to obtain significant benefits. Your legal rights are affected whether you act or don't act, so please read ...But evidence is emerging that certain types of sunscreen contain benzene, an industrial chemical that's a known human carcinogen. Dozens of sunscreen products recently tested positive for benzene—a chemical also found in gasoline and paint thinners—leading to demands for product recalls and questions about the safety of sunscreen chemicals.We like our experiences with Great Value Vacations. We went to ********, ***** and other nearby cities to celebrate our 25th wedding anniversary. It was romantic and really fun to celebrate in ...December 15, 2022. Filing 15 ORDER signed by JUDGE WILLIAM L. OSTEEN, JR on 12/15/2022, that the parties' Joint Motion to Compel Arbitration, (Doc. #14 ), is GRANTED, and the parties shall arbitrate this dispute in accordance with the terms of the arbitration agreement.The Open to Claims page lists open class-action suits and the deadlines you have to reach out to lawyers and law groups to get a check as part of the suit. To see the list, click the direct link ...MELBOURNE BEACH, Fla.-- ( BUSINESS WIRE )--The Timeshare Law Firm is filing class action cases against the following major timeshare resorts: "Travel + Leisure Co." (FORMERLY "WYNDHAM");...

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Mar 20, 2023. Employers and HR professionals should take great care in paying employees just what they legally deserve when it comes to vacation and holiday pay. Otherwise, a class-action suit might be in your future, warns two Ontario lawyers. This issue was recently in the spotlight after a divisional court ruling, Curtis v.Tyler Stiglich is the firm’s Class Action Litigation Attorney in Orlando, Florida. Tyler focuses primarily on consumer protection class actions for timeshare cancellation and divestment. Tyler started his career as an Assistant Public Defender in Florida’s 9th Judicial Circuit in Orlando where he represented defendants without resources to ...Unsolicited texts, calls class action lawsuits overview: Who: Consumers recently filed several class action lawsuits against companies, including Marriott Vacations, Oral-B and Hallmark, claiming they sent unsolicited telemarketing text messages. Why: Consumers argue the unsolicited texts violate the Telephone Consumer Protection Act, and in the case of Hallmark and Marriott Vacations, were ...A class action lawsuit filed against Southwest Airlines claims that customers are owed a full refund for flights — as stated in the contract with the airline — which were cancelled due to the current 2019 Novel Coronavirus pandemic. Instead of a refund, the plaintiff claims that his flight to Cuba was cancelled by Southwest Airlines — but ...Last chance for our giveaway, gift card deal, Groupon 15% off and a Chase class action lawsuit. Increased Offer! Hilton No Annual Fee 70K + Free Night Cert Offer! This is just a re...The 85-page Subaru lawsuit says the thermo control valve defect affects 2019-2021 Crosstrek, Forester, Legacy and Outback models (the class vehicles) and can manifest without warning, rendering the vehicles "unsuitable for their intended purpose.". The case alleges the automaker has known of the problem since at least 2021, when it updated ...

The citric acid in the Great Value Veggie Straws functions as a synthetic preservative, the Walmart class action lawsuit explains. Additionally, the Great Value Veggie Straws contain malic acid, which "imparts and contributes to the tangy, sweet and sour ranch flavor," the lawsuit alleges. Lara claims the malic acid used in the Great Value ...You are invited to review the following information regarding the Class Action Settlement: “A Settlement has been reached in a class action lawsuit that claims that RCI, LLC violated certain consumer protection and other laws by renting timeshare inventory deposited by members of the RCI Points Exchange Program. RCI denies it did anything wrong.Deadline. 06/05/2024. SUBMIT A CLAIM. Settlement. $7.50 per unit of CVC sheets. Deadline. SUBMIT A CLAIM. Please note: Top Class Actions is not a Settlement Administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits.If you have not heard, a class-action lawsuit has been filed against Hilton Grand Vacations in Florida. This is based on the fact that they are denying their customers the right to sue because of their policy of not accepting any claims. This means that any claim cannot be approved and if a customer wants to sue then it will be denied.Jun 15, 2022 · On 06/15/2022 ROBERT JOHN TURNER filed a Small Claim - Other Small Claim lawsuit against GREAT VALUE VACATIONS LLC. This case was filed in Orange County Superior Courts, Orange County Central Justice Center located in Orange, California. The case status is Not Classified By Court. Case Details Parties Dockets. for Seven Mile Beach, West Bay, Syracuse, Cayman Islands. Level Contributor. 9,266 posts. 76 reviews. 54 helpful votes. 4. Re: Unlimited Vacation Club Law Suit. 3 years ago. Also, you aren't going to get anywhere with the credit card companies unless the company didn't deliver what you signed in the contract.Walmart Inc.’s Great Value-brand Organic Raw Honey is not actually “raw” or “organic,” according to a false advertising class action lawsuit filed Oct. 10 in Illinois federal court. The class action lawsuit explains that raw honey is a natural product produced by honeybees. Consumers value raw honey due to the presence of nutritional ...By David Minsky. Law360 (September 12, 2022, 9:34 PM EDT) -- Bluegreen Vacations Unlimited has reached a settlement with two attorneys who were among the score of defendants the timeshare company ...Mar 15, 2023 · LAW FIRM CONTACT: Tyler Thomas Stiglich (321) 224-1111. MEDIA CONTACT: Tyler Pals. Timeshare Class Action litigations against many major timeshare resorts for fraud and the failure to provide...

Filing 3 SUMMONS issued as to Capital Vacations, LLC. (JSG) April 4, 2019: Filing 2 NEW CASE ASSIGNED to Judge Timothy J. Corrigan and Magistrate Judge Patricia D. Barksdale. New case number: 3:19-cv-382-J-32PDB.

If you had to cancel a trip due to the ongoing COVID-19 crisis, you may be feeling shortchanged or ripped off. Attorneys working with ClassAction.org believe that some companies are not properly refunding and otherwise mistreating customers when their services have been rendered unusable or unsafe. Specifically, they believe in most cases you ...Yellow Corporation and several subsidiaries have been hit with a proposed class action filed by former employees who claim the trucking company failed to provide at least 60 days' advance notice before terminating nearly 30,000 workers. ... The lawsuits say that beginning on July 28, 2023, the companies carried out mass layoffs and widespread ...NEW YORK, Sept. 27, 2022 /PRNewswire/ --WHY: Rosen Law Firm, a global investor rights law firm, announces the filing of a class action lawsuit on ... NEW YORK, Sept. 27, 2022 /PRNe...What's Included. Roundtrip economy class airfare into Montreal (YUL), out of Quebec (YQB) 2 nights in Montreal at the Hotel Faubourg Montreal, or similar. Heart of Montreal Motorcoach Tour (3.5 hours) Economy-class rail from Montreal to Quebec. 2 nights in Quebec at Hotel Le Concorde Quebec, or similar. Quebec City Tour (2 hours)The class action lawsuit filed in California against the company back in March 2008 accusing El Grupo Mayan Palace of bilking U.S. citizens of "hundreds of millions of dollars" in Mayan Resorts timeshares, using "high-pressure fraudulent sales tactics that are comparable to the worst tactics ever employed by used car salesmen in a ...Apr 22, 2024 · We like our experiences with Great Value Vacations. We went to ********, ***** and other nearby cities to celebrate our 25th wedding anniversary. It was romantic and really fun to celebrate in ... When it comes to traveling for business, comfort and convenience are top priorities. For many professionals, flying business class is the ultimate way to ensure a pleasant journey....After 3 years of litigation, three mediation attempts and 21 evidence statements, Marriott agreed to settle the Marriott Vacation Club Class Action Lawsuit, but deny any wrongdoing. Marriott settled the suit in order to avoid further expense and bad publicity. Those who were eligible had until 20 June 2018 to submit a claim, after this date all ...

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Asylum path:Deal would settle key lawsuit against Trump-era policy separating migrant parents from children How to make a class action claim. Customers who purchased certain Hefty and Great Value ...The lawsuit's impact on your ability to use your timeshare depends on the legal outcome. It's essential to stay informed and be prepared for any potential changes. Can I join a class-action lawsuit against Bluegreen Vacations Resorts? If there is a class-action lawsuit against the company, you may be eligible to participate if you meet ...The lawsuit filed against the Holiday Inn Vacation Club revolves around alleged misconduct, contractual disputes, or other legal concerns. These issues have prompted affected individuals to seek legal recourse, aiming to resolve their grievances and protect their rights. 3. Allegations against the Holiday Inn Vacation Club.At Great Value Vacations, our mission is to be the pre-packaged vacation solution provider from North America to the most desirable vacation destinations in the world.We offer premium, pre-built vacation packages to the top destinations in the world. Our vacations feature itineraries designed by travel experts and superior accommodations which have been hand-picked and vetted for quality.The attorneys at Strom Law Firm, LLC understand the complexities surrounding class action cases. Contact our law firm today for a free review of the facts of your case. Call 803.252.4800 to schedule a face-to-face meeting at our Columbia, SC office or we can discuss the details of your case over the phone.Class-Action Lawsuits: Owners and guests alike are joining forces to sue Evolve, alleging deceptive practices, breach of contract, and violations of consumer protection laws. These lawsuits seek financial compensation and aim to hold Evolve accountable. Regulatory Investigations: Evolve's business practices have attracted the attention of ...May 27, 2022 at 7:09 a.m. EDT. A newsletter briefing on cybersecurity news and policy. Welcome to The Cybersecurity 202! We won't have a newsletter Monday because of Memorial Day, so we'll see you ...Summary: On their own behalf and as class representatives, timeshare owners allege in their Third Amended Petition that Bluegreen Vacations Unlimited (BVU) engaged in the unauthorized practice of law by charging timeshare purchasers a "document fee" at each timeshare contract closing for "the preparation and processing of legal documents ...Last chance for our giveaway, gift card deal, Groupon 15% off and a Chase class action lawsuit. Increased Offer! Hilton No Annual Fee 70K + Free Night Cert Offer! This is just a re... ….

Conclusion. The Capital Vacations class action lawsuit highlights the importance of consumer rights and ethical practices within the vacation industry. If you have been affected by alleged misconduct by Capital Vacations, it is crucial to understand your rights, gather documentation, and consider seeking legal assistance.I used Great Value Vacations about 6 years ago to go to Greece. It was INCREDIBLE! Really truly a trip of a lifetime. All details were tended to. There were about 30 of us North Americans that were on the whole 8 day trip together. We had a professional (bachelor's degree) tour guide with us the entire time.Read the latest General Motors class action lawsuit updates and settlement news to find out if there are any potential lawsuits you can join. International News. U.K. News; Canada News; ... GM class action alleges vehicles with Hydra-Matic 8L90 transmission have defects Read More. Pending Settlements; Investigations; Open Settlements;RE: SCOTIABANK'S ALLEGED FAILURE TO PROVIDE EMPLOYEES THEIR MINIMUM VACATION PAY. TORONTO, Dec. 16, 2022 (GLOBE NEWSWIRE) -- A $25 million proposed class action lawsuit has been commenced ...In July 2010, eleven Plaintiffs filed a class action lawsuit in federal district court challenging the lawfulness of the Special Assessment that was issued to members of Raintree Vacation Club and Club Regina (referred to as "the Club") in October or November 2009. The name of the lawsuit is Berrien, et al. v.The Wyndham class action lawsuit states that the hotel chain has been penalized in the past for their deceptive sales practices from state governments, including a $20 million verdict in a case involving a whistleblower. For example, the plaintiffs state that in October 2003, the California Attorney General and the District Attorney in San ...Class action lawsuit alleges Marriott violated their fiduciary duties, used fraud to convince owners to merge their club with Marriott Vacation Club. Speak with an attorney confidentially. Gibbs Law Group, Morgan & Morgan and other co-counsel filed a class action complaint on behalf of nearly a thousand Ritz-Carlton Great Bay fractional ...UTO Vacations is a SCAM. They offer wonderful trips at great prices, you pay for it, and then they cancel the trip. They keep your money and give you a credit. Every trip is then 3X as expensive. They have their contract written that if you make a complaint to your credit card company they can actually add another $299 fee to your charge card. Great value vacations class action lawsuit, There are currently two active class action lawsuits pending against Hilton Grand Vacations (HGV), alleging that the company engaged in deceptive marketing practices and violated consumer protection laws. The lawsuits allege that HGV misled consumers about the cost of vacation ownership, the value of points, and the ability to use points to ..., Kimberling Inn Resort and Vacation Club served on 6/30/2022, answer due 7/21/2022. (Allen, Nickolas) July 1, 2022: Filing 6 RETURN OF SERVICE of complaint executed by All Plaintiffs. TRR Timeshares, LLC served on 6/30/2022, answer due 7/21/2022. (Allen, Nickolas), 375 reviews and 764 photos of GREAT VALUE VACATIONS "I haven't take a trip yet, but their pre-trip support is NON-EXISTENT! I've tried emailing them and after three attempts, got an incoherent email in return. I've been on hold for 35 minutes now and their recording keeps saying they'll be with me momentarily... Their definition of "momentarily" doesn't sync with the definition of the rest of ..., Great Value Vacations 486 Sunrise Hwy Suite 200 Rockville Centre, New York United States. Phone: 866-320-2161. Web: www.greatvaluevacations.com. Category: Discount travel programs, Travel Agencies, Travel Booking Agency, Travel booking site, Travel Services., We like our experiences with Great Value Vacations. We went to ********, ***** and other nearby cities to celebrate our 25th wedding anniversary. It was romantic and really fun to celebrate in ..., A proposed class action filed in Illinois accuses Wyndham Vacation Resorts, Inc. of deceptively misrepresenting the fundamental aspects of its timeshare program, including the availability of vacation properties, nature of maintenance fees, enforceability of contracts, and transferability of the all-important timeshare "points.", Wertymer v. Walmart, Inc. Filed: October 10, 2023 § 1:23-cv-14700. • Read Complaint. A class action alleges Great Value Raw Honey and Organic Raw Honey are misleadingly advertised in that the products are processed in such a way that they cannot be considered “raw” or “organic.”. Defendant (s) Walmart, Inc. Law (s), You are a member of the Settlement Class if you are a consumer in the United States who purchased Hefty or Great Value brand Recycling bags between July 20, 2018 and August 30, 2023., I have had similar problems with Great Value Vacations. Original trip was to Ireland in September 2020. It has been an absolute nightmare trying to deal with this despicable company. What I havent seen is any follow up or resolutions to your complaints. Are there any positive results as a result of letters or disputes involving attorneys, etc?, Timeshare Co. Westgate Resorts Facing Class Action Over Alleged Military Lending Act Violations. April 4, 2022 Timeshare seller Westgate Resorts, Ltd. faces a class action that alleges it has repeatedly violated a federal law intended to protect members of the U.S. military from predatory lending. by Corrado Rizzi, Toronto Dominion Bank Unpaid Vacation & Holiday Pay Class Action. The law firms of Roy O'Connor LLP, Cavalluzzo LLP and Whitten & Lublin PC have issued a proposed class action lawsuit on behalf of the propo... Class Action / Last Modified: 12 October 2023., Class action lawsuit alleges Wal-Mart Great Value Immunity is falsely advertised as natural and containing real fruit., I have had similar problems with Great Value Vacations. Original trip was to Ireland in September 2020. It has been an absolute nightmare trying to deal with this despicable company. What I havent seen is any follow up or resolutions to your complaints. Are there any positive results as a result of letters or disputes involving attorneys, etc?, The Gerber savings plan class action lawsuit was filed by Beulah Prewitt, who argues that Gerber misrepresents life insurance policies as savings plans. Prewitt says that she signed up for the Grow-Up Plan for all three of her grandchildren and made this decision based on Gerber's advertisements that the plans would provide cash value when ..., Wyndham Vacation Resorts, Inc. faces yet another proposed class action lawsuit centered on hours-long sales presentations allegedly rife with intentional omissions, including the non-disclosure of the fact that buyers are likely to experience a frustratingly difficult time trying to book their timeshare., A class action lawsuit is a legal proceeding in which a group of people who have been wronged by the same individual, organization, corporation, or event join together and file a lawsuit seeking ..., Great Value Vacations 486 Sunrise Hwy Suite 200 Rockville Centre, New York United States. Phone: 866-320-2161. Web: www.greatvaluevacations.com. Category: Discount travel programs, Travel Agencies, Travel Booking Agency, Travel booking site, Travel Services., NEW YORK, July 26, 2021 /PRNewswire/ -- Attorney Advertising -- Bronstein, Gewirtz & Grossman, LLC notifies investors that a class action lawsuit ... NEW YORK, July 26, 2021 /PRNew..., 8. Re: reviews of Great Value Vacations. 5 years ago. I had a fantastic vacation. All of the arrangements went through almost flawlessly. One issue with reservation dates for the …, I have had similar problems with Great Value Vacations. Original trip was to Ireland in September 2020. It has been an absolute nightmare trying to deal with this despicable company. What I havent seen is any follow up or resolutions to your complaints. Are there any positive results as a result of letters or disputes involving attorneys, etc? , Securitas USA denies that it is liable but it has agreed to pay $2.55 million to settle the overtime pay class action lawsuit. The Securitas settlement received preliminary approval on April 7, 2016. The deadline to opt out of the Securitas USA settlement passed on June 20, 2016. However, Class Members who wish to object to the class action ..., 8. Re: reviews of Great Value Vacations. 5 years ago. I had a fantastic vacation. All of the arrangements went through almost flawlessly. One issue with reservation dates for the rental car was handled quickly and completely with out having to argue or make multiple calls., I used Great Value Vacations about 6 years ago to go to Greece. It was INCREDIBLE! Really truly a trip of a lifetime. All details were tended to. There were about 30 of us …, Asylum path:Deal would settle key lawsuit against Trump-era policy separating migrant parents from children How to make a class action claim. Customers who purchased certain Hefty and Great Value ..., Bluegreen Vacations faces a class action that alleges it has unlawfully failed to reasonably inquire as to whether a potential customer is covered by the Military Lending Act. ... The 25-page lawsuit moreover alleges the timeshare company, who also finances loans to consumers to buy interests in vacation timeshare memberships, has …, Dec 11, 2018 · Under the TCPA, consumers are able to file legal action and recover compensation ranging between $500 and $1,500 based on whether the violations of the law were negligent or willful. Spotts seeks to represent a Class of individuals who were sent a text message advertising Dream Vacations services without the recipients express written consent ... , But evidence is emerging that certain types of sunscreen contain benzene, an industrial chemical that's a known human carcinogen. Dozens of sunscreen products recently tested positive for benzene—a chemical also found in gasoline and paint thinners—leading to demands for product recalls and questions about the safety of sunscreen chemicals., A proposed class action lawsuit out of Florida alleges defendant JB7, LLC has inaccurately and misleadingly represented the percentage of the daily value of protein purportedly provided by its Physician's Choice Collagen Peptides product. ... has a protein daily value percentage of zero, the lawsuit says., This is ClassAction.org's current list of open lawsuits and investigations. The goal of this section is to provide consumers with a comprehensive resource on class action and mass tort lawsuits. Attorneys are either actively filing these cases or investigating to determine whether lawsuits can be filed. The list is updated frequently, so check ..., Four named plaintiffs have filed a proposed class action in which they claim Bluegreen Vacations Unlimited, Inc. and Bluegreen Vacations Corporation have violated a Wisconsin law that prohibits illegal referral selling of timeshares in the state. The defendants—hereafter referred to as Bluegreen—sell timeshare contracts to consumers through ..., A fifth lawsuit was filed against Caesars Entertainment on Friday by The O’Mara Law Firm, P.C, of Reno, and Barnow and Associates, P.C., of Chicago. This lawsuit represents Thomas McNicholas and ..., A class action claims negligence on the part of MGM Resorts International is to blame for a September 2023 cyberattack that resulted in a 10-day shutdown of the company's computer systems. Defendant (s) MGM Resorts International. Law (s) State (s) Nevada. Categories., No. 22-11504 (11th Cir. 2023) In a case before the United States Court of Appeals for the Eleventh Circuit, several clients of Wyndham Vacation Resorts (Resorts) sought to arbitrate disputes with Resorts, but their petitions were rejected by the American Arbitration Association (AAA) because Resorts had failed to comply with AAA’s policies.