This is the group defrauding people:

Bentley Travel, Five Points Travel, Dreamworks Vacations International, and Dream Vacations International present the travel club service which has been sued by NJ state Attorney General for fraud.

http://www.nj.gov/oag/newsreleases09/pr20090611a.html

Bank of America is the financial partner of this fraud. They allow these companies to open new credit card accounts from their victims and then refuse to refund the money.

Band of America even threatens the victims with the negative credit report, if they decide not to pay the membership fee, which has been proved that is worth nothing.

If you are a victim of this fraud, please do file your complaint against Bank of America with New Jersey Division of Consumer Affairs.