Important information
- Customer Complaint:
BBB’s business profile for Card.com was created in December 2018. A review of complaints was completed in October 2024.
BBB recommends consumers to review the link provided for account questions.
Complaints
Customer Complaints Summary
- 448 total complaints in the last 3 years.
- 66 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/17/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On September 3, 2024 I called my card and asked a representative could I have my bank statements for the month of August. I was told that it would have to be sent out by mail and it would take 7-10 business days. I waited for my bank statements until September 23rd. I called again to see if my bank statements had been mailed off and the representative told me that I had to wait the full 10 days because the documents physically left on the 5th of September. While I was on the phone the representative told me she would resend my bank statements, but for me to check with my post office because it might have gotten lost in the mail. I know for a fact that would not be the case because when I lost my card they were able to send it to my address and I have been living at my address for 14 years. I called again on October 10, 2024 to ask to speak to speak with a supervisor because not only did the request for my bank statements not arrive from Sept. 3rd, but also the ones that they resent out on Sept. 23rd. when I spoke with the supervisor he told me the same thing the representatives had already told me is that I would have to wait the full 10 days or resubmit the request for my bank statements. I still have not received any of the requests that I have made.Business Response
Date: 10/24/2024
Ms. ***** requested her July 2024 bank statement on August 30, 2024; the statement was mailed on September 3, 2024. Ms. ***** contacted Card.com on September 23, 2024, and reported non-receipt of the statement. ******** then also requested the statement for August 2024. The statements for July and August 2024 were mailed on September 25, 2024. Ms. ***** again contacted Card.com on October 10, 2024, and reported non-receipt of the statements. Ms. ***** then requested the statement for September 2024 as well.The statements for July, August and September 2024 were mailed on October *******. On October 23, 2024, Ms. ***** confirmed that she had received the July 2024 bank statement and was advised that her recent statement request for July, August and September had been processed and was advised of the delivery timeframe. Should Ms. ***** require any additional information she can contact us at *************.Initial Complaint
Date:10/16/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Received a card in the mail yesterday. I did not apply for this card. I tried to contact card.com at the number provided, but the automated system would not let me talk to anyone. This account needs to be marked as fraudulent and needs to be closed. Card.com should have some way for victims of identity theft to contact them.Business Response
Date: 10/24/2024
On October 5, 2024, we received a request to open the Account. We verified the ** information that we were provided using a third-party service. The account was opened with the identification information provided. On October 8, 2024, during a review by CARDs risk team, the Account was closed because we suspected that there was identity theft. Based on the complaint and positive confirmation that Mr. ****** did not apply for the CARD ************ Account issued by Pathward, we have permanently closed the Account due to identity theft. Should Mr. ****** require any additional information he can contact us at *************.Initial Complaint
Date:09/30/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Amount -$357.76 Transaction Type ADJUSTMENT Purchased on Jul 16, 2024 Todays Date 09/30/2024 Transaction Is Still Pending 2 Months Too Long for a Pending transaction Jul 16, 2024 Pending ADJUSTMENT $357.76 NO SUCH PURCHASE Posted and deducted from account on Jul 16, 2024 Jul 16, 2024 Pending ADJUSTMENT $357.76 Unauthorized Transaction 07/10/2024 *********** ADJUSTMENT *9317 ADJUSTMENT $100.00 Total Amount in question $457.76 After filling out a dispute form, 9/26/24 for Unauthorized Transactions to recover $357.76 pending since July 16th today is 9/30/2024 + $100.00 Wrongfully deducted out of my account My ATM Card does not work after 2 calls to **************** assuring me the card was in working order with an available Balance.o $48.15 As of Sept.27, 2024 Primary account Balance $48.15 Im Asking Card.com to lift the restrictions on my ATM card Immediately For My Available Cash Balance, and Resolve the Mistake Card.com made in wrongfully deducting the amount of $457.76 There are No Legal Excuses For These ActionsBusiness Response
Date: 10/07/2024
We contacted Mr. ****** on October 4, 2024, and left a message. The $357.76 adjustment was for funds removed from the account pending reclamation of the $2009.50 deposit applied to the account on June 28, 2024. We received a death notice for the $2009.50 third-party deposit beneficiary, Mr. ****** is not entitled to the $357.76. The $100 transaction mentioned in the complaint was a transfer from ******************* account to his checking account. Should Mr. ****** require any additional information he can contact us at *************.Customer Answer
Date: 10/11/2024
Complaint: 22362672
I am rejecting this response because:
The bank accepted illegal paperwork submitted to them in the form of a death certificate. Somebody forged the death certificate and is uttering to receive a monthly check as you can see I'm not dead.
Sincerely,
****** ******Business Response
Date: 10/15/2024
As stated previously, the $357.76 are funds from a deposit that was not in Mr. ******* name. The death notification was not for Mr. ****** but for the deposit beneficiary. The deposit beneficiary will need to contact the deposit originator for further assistance. Should Mr. ****** require any additional information he can contact us at *************.Customer Answer
Date: 10/17/2024
Complaint: 22362672
I am rejecting this response because: i NEED A LITTLE MORE TIME TO WORK ON THIS MATTER i MIGHT HAVE HAD A DEATH IN MY FAMILY NEXT OF KIN A SIBLING IN *** I'M CHECKING ON THIS NOW. THIS MIGHT HAVE BEEN AN INHERITANCE WILLED TO ME. AND TAKEN BY A JEALOUS IN LAW. WHO I DON'T GET ALONG WITH .THE POLICE LOOKED INTO THE MATTER APPROX.1 WEEK AGO I WILL HAVE TO LOOK INTO IT ********** THERE ANY NAME ON THE DEATH CERTIFICATE ISSUED ? OR WHO ? ISSUED IT ? PLEASE RESPOND ON THIS NOW.
Sincerely,
****** ******Initial Complaint
Date:09/25/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I disputed multiple transactions for a total of a little over 400$ after I called and disputed them I went and filled out the dispute form and signed it and faxed it in. A few days after that I called to check the status of my dispute claim and I was told it was denied due to the fact that there were deposits made into the account , & that is correct there was a few deposits made into the account using my other debit card linked to my card.com account not the card i called as stolen and disputed the transactions made with that specific card every deposit made into my card.com account was using a different debit card not the one called in stolen. & When I spoke to the customer *** I also told them my phone and wallet was stolen. Also when I disputed these transactions it was within the 90 day period.Customer Answer
Date: 09/26/2024
Filed a dispute because my card was stolen there was fraudulent transactions totaling a little over 400$ I submitted the dispute form via fax and included all transactions that were fraudulent I called a few days after that and was informed my dispute claim was denied and I'm out over 400$ I was told that because there were deposits made into the account during the period the card was stolen is reason why it was denied but all the deposits made into my card.com balance was deposited using a different debit card linked to my card.com account & it clearly shows that on my card.com account.Business Response
Date: 09/27/2024
Mr. ******** filed a dispute claim on 9/13/2024, totaling $488.14. A provisional credit if eligible was due on 9/27/2024. The claim was denied as no error found on 9/16/2024. Upon receipt of the complaint the claim was reviewed, and the denial decision will stand. Should Mr. ******** require any additional information he can contact us at *************.Customer Answer
Date: 10/01/2024
Complaint: 22341504
I am rejecting this response because: I would like to file a rebuttal on the fraudulent transactios please. 488$ might not be a lot of money to you guys but to me it the thin line between having a roof over your head and not.
Sincerely,
***** ********Business Response
Date: 10/01/2024
As stated previously, the claim was reviewed upon receipt of the complaint,and the denial decision will stand. A letter containing the details of the denial was mailed on October 1, 2024. Should Mr. ******** require any additional information he can contact us at *************.Initial Complaint
Date:09/24/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On September ****** I call Card.com to dispute $5****.*** in transactions I explained how I was robbed and hospitalized recently and I have no idea who a ***** is cash app his self and others money from my account I sent in all paperwork that was asked for. They give me a call on September ******* missed they call called and give them the information that was needed from me. The rude customer service representative ******** was very rude and even hang up in my j never got rude or disrespectful towards them until they told me lies and closed my account during a dispute. They told me in September ******* too check my account cause I will be getting a provisional credit on 23rd of September I was checking my until that Monday. I called and they need the same information from me that I put on my paperwork that was sent in so I emailed them the the information to the email that I had too call back and make sure was correctly spelled right by the end of the day the cancel my whole account I called and they give me no reason on why but its our right per cardholder agreement okay so I then asked how will I receive my dispute decision and credit he said that it will be a mailed check okay thats fine but what was the reason why my account was disputed.. I was treated as though I was the criminal not the victim in this situation .Business Response
Date: 09/30/2024
Ms. ******** filed a dispute claim on September 9, 2024, for transactions totaling $5583.21. Provisional credit if eligible was due on September 23, 2024. The claim was denied as no error occurred on September *******, and a letter was mailed. The claim was reviewed upon receipt of the complaint,and we stand behind the denial decision. We were unable to locate the call mentioned in the complaint, as we do not have any agent by the name of ********. Should Ms. ******** require any additional information she can contact us at **************.Customer Answer
Date: 10/01/2024
Complaint: 22330621
I am rejecting this response because: Im not understanding is my dispute still on going or not I was told that it was still been investigated. I need some clarification and there is a **************** representative name ******** that I talked too I know exactly who I talked too.
Sincerely,
****** ********Business Response
Date: 10/01/2024
As stated previously, the claim was denied as no error occurred on September 23, 2024, and a letter was mailed. The claim was reviewed upon receipt of the complaint, and we stand behind the denial decision. We have confirmed that we do not have any agent by the name of ********. Ms. ******** can contact us at **************, to provide the date and time of the call for further investigation.Initial Complaint
Date:09/19/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Hello on 09/18/24 at 1pm my husband had his deposit in the amount of $3,984 deposited in my account so that we could use 1 card for bills to avoid atm fees and such, I mistakenly didnt know that I could not do that so at about 4pm on 09/18/24 I got an email from CARD.COM stating that my account has been locked for account verification due to name mismatch on the deposit. I called and was provided my reference number and was told to submit several documents over to get my account back active again. So I submitted all documents that were asked for as well as my husbands documents and I have yet to get my account back reinstated again. I have called in and even spoke with a supervisor and keep being told ***************************************************** if you received my documents and please reinstate my account I have bills due. Thank you for your help!Business Response
Date: 09/23/2024
Ms. ******* account was blocked on September 18, 2024, due to a name mismatch ACH deposit and verification documentation was required.Documentation was received and reviewed, and the account was reinstated on September 19, 2024. An email notification was sent to Ms. ******* and she was able to access the funds that same day. Should Ms. ****** require any additional information she can contact us at **************.Initial Complaint
Date:09/17/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On June 18th 2024 Card.com closed my account I had with them because i filed a dispute on a couple charges that was charged on my account . They closed my account without notice. That was fine. But I still had a postive balance on my account and I need my Money . They informed me I had to wait 21 days before they would issue me a refund check. so 21 days came I called them and they told me they mailed me a check in the amount of $1,027.34 on july 29, 2024 and to give it another 21days to recieve it. Ok 30 days came and I still have never got the Check . So I called them and updated my address and was told they would check into it and if check had not been cashed then another would be issued ...I waited another 10days and called and was told they had issued me another check. so a week goes by and i get a check in the mail and it was for only $0.25 cents. are you kidding me. Where is the rest of my money?? Where is the Check for $1,027.34 i have been waiting on for 3 months now . This is ridiculous. I have been calling them every singfle day and They always tell me something different. I am over it. I want my money. it is mine from my job and I am about to get a lawyer. This is ridiculousBusiness Response
Date: 09/23/2024
Ms. ****** notified Card.com that she had not received the check processed on 7/29/2024. Another check was processed to Ms. ******* new address on August 28, 2024, in the amount of $1072.59. The check delivery timeframe can be up to 21 business days depending on the delivery in her area. Should ********* require any additional information she can contact us at **************.Initial Complaint
Date:09/12/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
So I had an issue where I tried to order door dash from my phone and my transactions was declined due to insufficient funds. Me knowing that couldn't be possible, I called and hear my balance and then checked my wallet and noticed my debit card was not there. Because I normally only order Doordash from my phone I really don't know when it Became missing. So I filed a dispute that was completed within 2-3 days. They said no errors occurred I don't know how they came to this conclusion. I then began to try to reach out to the merchant who told me to contact my bank immediately which I had already done, so apparently someone used my card to gambling activity online that I have no clue who it is because the merchant says that they cannot release this information to me and that if I dispute that they can find out where the charges came from. Well because cardcom never did an investigation the merchant was never notified through the bank so they couldn't help. I feel it's unfair to say no errors occurred when you never properly investigated my claim.Business Response
Date: 09/20/2024
Ms. **** filed a dispute claim totaling $12,523.55 on September 4, 2024. Provisional credit if eligible as due on September 9, 2024. The claim was denied on September 9, 2024, as no error was found. A rebuttal was received on September 9, 2024, and a response was sent on September 11, 2024. Upon receipt of the complaint, we reviewed the dispute claim and stand behind the denial decision.Should Ms. **** require any additional information she can contact us at *************.Customer Answer
Date: 09/20/2024
Complaint: 22274377
I am rejecting this response because: because I don't believe the investigation was properly investigated because card com never had any of my correct information, the email address that was on the account belongs to my daughter who helped me order the card but according to cardcom they used my device and my device records to complete the investigation. I don't see how when my phone number or device was ever connected to my bank account. I do not own a fanduel or other account. If the investigation was properly done and they have provided a charge back with the merchant. The merchant could have maybe provided information on who is responsible for the charges because they had to have an account with fanduel. I have contacted the merchant and they have not received any dispute for my bank card.
Sincerely,
****** ****Business Response
Date: 09/20/2024
As stated previously, Ms. ****** claim was reviewed again upon receipt of the complaint, and we stand behind the denial decision. Should Ms. **** require any additional information she can contact us at ************.Customer Answer
Date: 09/20/2024
Complaint: 22274377
I will not be accepting this but I will have my attorneys be in contact. I have provided documents from the merchant that I am not responsible for the charges and to contact my bank to fix this. I'm not pleased at all.I am rejecting this response because:
Sincerely,
****** ****Business Response
Date: 09/25/2024
As stated previously, Ms. ****** claim was reviewed again upon receipt of the complaint, and we stand behind the denial decision. We consider this matter closed.Customer Answer
Date: 09/25/2024
Complaint: 22274377
I am rejecting this response because:
Because I have been contacting the merchant and there constantly telling me this is something my bank must fix and you guys say I should reach out to the merchant well here is there response. I really don't appreciate no one is willing to help. The charges were unauthorized, I did not make the charges and don't know who did. You guys still have not provided a valid reason why my dispute was denied. I have also asked the merchant for help they say my bank could issue a chargeback buy again no help.
Sincerely,
****** ****Initial Complaint
Date:09/10/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Complaint about the excessive "preauthorization" holds this company uses to steal money. I have had this happen with the company 3 times now. The first was with ************* app, I placed a mobile order only to have it tell me the payment didn't go through so I tried again, and same thing but when I checked the card.com app, the amount of the order $11 and some change was put on hold, twice. It took a week for the hold to fall off but when it did the money was never returned to my account. Happened again with Chipotle's app for $7 and some change, again the funds were never returned to my balance. Now it is $70.59 for **********. I have worked with the merchant and they have verified that they have settled and the amount was never actually charged to my account but ********************** is holding that money and refuses to release it and now they are telling me it will be 30 days to release it. I need that money in my account now not in 30 days. I called customer service but they won't help, it seems like the only way to get these people to do anything is to make a complaint here.Business Response
Date: 09/18/2024
We spoke to Ms. ***** on September 10, 2024, and advised that the transaction in question was a pre-authorization hold that would expire after **************************************************************** the Cardholder Agreement under Section 5G-Authorization Holds. We also received emails from Ms. ***** where she was advised that she could request the merchant to submit a Merchant Hold Release letter if she did not want to wait for the transaction to expire. Should Ms. ***** require any additional information she can contact us at **************.Customer Answer
Date: 09/19/2024
Complaint: 22264387
I am rejecting this response because:
These screenshots show that the funds are no longer on hold. They have just disappeared. Yes a *** on the phone said they're still "pending" but that is not what is clearly here to see. 30 days to get MY money is criminal. This dishonest and shady policy has caused a hardship for me with no one being able to tell me why.
Sincerely,
******* *****Business Response
Date: 09/20/2024
As stated previously the transaction in question is a pre-authorization hold that should expire after ******************************************************* ***** can request the merchant to submit a Merchant Hold Release letter if she does not want to wait for the transaction to expire. The screenshots received via email are not sufficient to release the pre-authorization hold. Should Ms. ***** require any additional information she can contact us at **************.Customer Answer
Date: 09/23/2024
Complaint: 22264387
I am rejecting this response because:I don't understand how you can say the screenshot proves nothing. It proves there is $70 missing from my account with no record. Nothing but your statement that it is still pending. I have shown proof that it is not pending. You have shown nothing. You're not able to show me that this is still pending I'm just supposed to take your word for it? Especially after the last charges you told me would be returned after 30 days were never returned to my account. The two $11.24 charges for ************** You said the same thing then and that was more than 30 days ago. So i reject this response. I believe you are able and obligated to return my money.
Sincerely,
******* *****Business Response
Date: 09/25/2024
As stated previously the screenshots received via email are not sufficient to release the pre-authorization hold. If Ms. ***** does not want to request the Merchant Hold Release letter, she will need to wait for the authorization to *********. Knipp can contact us at **************, with any further questions about her account.Customer Answer
Date: 09/25/2024
Complaint: 22264387
I am rejecting this response because:
The merchant cannot provide a release letter, I have asked. I don't understand why a screenshot showing that I am not able to see you are holding the funds isn't enough. I don't understand why I can't see that you are still holding the funds. No one in your company has been able to tell me why I can't see that the funds are holding? They're just gone. And that doesn't address the fact that you have already done this more than 30 days ago and never returned those funds so why I am supposed to feel comfortable taking your word on what you have done with my money?
Sincerely,
******* *****Initial Complaint
Date:09/10/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was hospitalized for 3 weeks and my card was used across *******, I personally had to call retailers and send proof of my hospitalization to have some of my funds returned, card.com said I will receive provisional credit within 10 business days but I have real life bills and this is beyond stressful to have to wait 10 days for fraudulent charges, every time I call, Im given a different date and it has been 7 days already that Im here struggling, hungry and stressed because nothing is being done about it ??????Business Response
Date: 09/18/2024
Ms. *** filed a dispute claim on September 3, 2024, for transactions totaling $1827.53. Provisional credit if eligible was due on September 17, 2024. The claim was denied on September 10, 2024, as no error was found, and a letter was mailed the same day. Upon receipt of the complaint, we reviewed the claim and stand behind the denial decision. Should Ms. *** require any additional information she can contact us at *************.Business Response
Date: 09/18/2024
Ms. *** filed a dispute claim on September 3, 2024, for transactions totaling $1827.53. Provisional credit if eligible was due on September 17, 2024. The claim was denied on September 10, 2024, as no error was found, and a letter was mailed the same day. Upon receipt of the complaint, we reviewed the claim and stand behind the denial decision. Should Ms. *** require any additional information she can contact us at *************.
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