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Business Profile

Auto Insurance

CSAA

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Auto Insurance.

Important information

Complaints

This profile includes complaints for CSAA's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

CSAA has 78 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    Please enter a valid location.
    • CSAA

      3055 Oak Rd Walnut Creek, CA 94597-2098

    • CSAA

      601 Kings Ct Ukiah, CA 95482-5004

    • CSAA

      150 Hayes St San Francisco, CA 94102-4710

    • CSAA

      1276 S California Blvd Walnut Creek, CA 94596-5123

    • CSAA

      111 Lynch Creek Way Petaluma, CA 94954-8301

    Customer Complaints Summary

    • 359 total complaints in the last 3 years.
    • 110 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/07/2023

      Type:Service or Repair Issues
      Status:
      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.
      Below is series of events that lead to this accident caused by Mr. *************** insured by AAA , CSAA insurance exchange On Feb 15th at 3:15 PM , when both ************************ and ************************************ schools are let out, this accident happened on ******************** close to ****************** by CVS parking area. As you note from ****** map There are three lanes on ******************** plus a bike lane. My son was at a full stop on the middle lane waiting his turn to make a left hand turn into CVS parking lot. He had came to a full stop before turning into CVS shopping mall. A woman driver who also had stopped in the lane of oncoming traffic and decided to let me turn left into CVS mall. ******** gets illegally in the bike lane from right hand side to bypass the traffic . He speeds up illegally. I was turning into CVS after a full stop when he hit my tail bumper. Turning right is illegal and moving with your car on the bike lane is illegal. AAA adjustor said that my son jumped in front of ******** car and therefore at fault. I need to file a complaint again AAA in ********, **, but I can not find them on your BBB web site. They have refused my claim number ************

      Business Response

      Date: 03/08/2023

      Dear **********

      Attached, please find our response to ***************************** inquiry. 

      Sincerely, 

      CSAA Insurance Group Policyholder Relations Department

    • Initial Complaint

      Date:03/07/2023

      Type:Customer Service Issues
      Status:
      ResolvedMore 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.
      AAA new roadside assistance online service *****. The machine does not understand my address as I'm saying it online. There is no way to talk to a human. I am in an emergency situation and they ask me to go through 20 hoops to get anything done now.Bring back the human.

      Business Response

      Date: 03/18/2023

      This complaint belongs to AAA of Southern California.

       

      Sincerely,

       

      Lakshmi Pal

      025 274 8102

      Customer Answer

      Date: 03/20/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************
    • Initial Complaint

      Date:02/22/2023

      Type:Service or Repair Issues
      Status:
      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 with AAA for years for car insurance and wound up having nothing but problems. If there was an issue with a claim, it was a battle. There was an instance where they wrongly reported me to CLUE and said I was "at fault" for an accident when I was not even at my car and the car was sitting there. Here is a copy of it 09/17/2021 at fault accident with no payout CLUE only. AAA has denied that they reported me yet they did and this has cost me hundreds of dollars already and over ***** in premium increase over the last three years. Also, they have been really bad if I had a claim and refused to pay out. Also, when I cancelled my policy and did so in writing, they did not cancel my policy and still tried to bill me for it which is very upsetting. I was with them for over a decade and they cost me thousands of dollars. I am asking them to fix this.

      Business Response

      Date: 02/28/2023

      February 28, 2023

      Better Business Bureau, ****
      1000 ********, Suite 625
      *******, ** 94607

      Attn: **********
      Disputes Resolution Specialist

      Re:         BBB File Number:                      19450472

      Dear ********:

      We are in receipt of your offices inquiry. We have reviewed the complainants concerns to your department.

      Below you will find our response concerning this matter.

      First, we do apologize for any customer service experiences and any frustration the complainant expresses in her complaint to your agency as that was not our intention.

      The complainant states we wrongly reported claim data to CLUE. CLUE is a claims-information report generated by LexisNexis, a consumer-reporting agency. A CLUE report provides up to a history of automobile and homeowners/renters insurance losses associated with an individual. Insurance companies when quoting (and at renewals) a policy will secure such type of report to assist in calculating the applicants risk.  CLUE has a dispute process for inaccurate or incomplete information in their reports, the complainant should notify LexisNexis of mistakes, and, under the Federal Fair and Accurate Credit Transactions Act,they must work with us (insurers) to correct any errors.

      About the cancellation of the policy, our records show the auto policy was cancelled effective 04/27/2022. If this cancellation date is incorrect, we would need documentation to support a new policy start date with a new insurance company,the complainant may contact me, and I can explain the process for submitting (supporting documentation).   We show record that this account has been moved to our collection vendor. We previously provided the complainant with a full detailed itemization of the account and the balance on August 22, 2022. If another copy is needed, please let us know and we can forward. If the complainant wishes to discuss payment options, we ask that the complainant contact our collection vendor at **************.

      Should you have any questions or require any additional information please contact me at the number below. 

      Sincerely,


      *****************************
      Policyholder Relations
      Corporate Headquarters
      Phone: **************

    • Initial Complaint

      Date:02/17/2023

      Type:Service or Repair Issues
      Status:
      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 stared my car, drove to a park, waled and when I returned to my car my car would not start. Called AAA and technician dispatched. Tech attached the cable ends and it would not start. He brought out different cables attached to his vehicle, He stated, Ooops as I watched him switch cable positions. Had car towed to shop.The mechanic did several diagnostic tests and he asked if there was anyone else who tried to jump start the vehicle. Mechanic said relay, power supply box and the steering lock module all had been fried and that this typically occurs when cross jumping occurs. I filed a complaint. An investigator called.******* stated he and his field management team reviewed my claim and that after reviewing the cameras mounted on the vehicle as well as speaking with technician, my claim is denied. Investigator lied about camera footage being directly in front of my vehicle. Everything from then was suspect. No call to mechanic etc...I asked to escalate this matter to his direct supervisor, he initially declined. He put me on hold for an inordinate amount of time. It took so long for him to come back on the line, I had a chance to drive to my local AAA branch and as I was pulling up getting ready to get out of my vehicle, He said they would escalate it to ****. Investigator hung up I was dismayed, shocked and was furious about how I was treated. My bill was $1,750.99 for the labor, replacement parts (power supply box, relay and steering lock module) and reprogramming of my 2012 ******** ***** E 350. Spoke to **** he denied the claim based on his conversation with lead and manager (based on a lie) and on AAAs technology on their jump box and jump cable system as well as the history of the AAA technician who attempted to jump the vehicle, he would be denying the claim. I asked again if he would reconsider based on a relationship with AAA for over 30+ years, would he reconsider his decision and he stated it was final.

      Business Response

      Date: 02/23/2023

      We discussed members concerns with our ********************* and once again have been informed that The technology has a built-in failsafe to prevent bad jumps, the technician was very experienced and followed proceudres that prevent bad jumps. They claim that they are responsible for any damage.

       

      Sincerely,

       

      Lakshmi Pal

      ************

    • Initial Complaint

      Date:02/16/2023

      Type:Service or Repair Issues
      Status:
      ResolvedMore 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 tried to use the emergency road assistance service that comes with my AAA membership to have someone come out and jump start my car. (Someone dispatched by AAA had installed a brand new battery just 10 days earlier, and somehow it was already dead.) I spent the whole afternoon, almost 5 hours, trying to get help from AAA, and still got no service. Nobody came to help. During these 5 hours: 1) Three identical service requests were placed for me by AAA. Each time the local service shop (3 different ones) canceled the request for dubious reasons, and neither I nor AAA were notified that the request was canceled I just kept waiting for a technician to arrive until I finally called AAA to check on the status of the request (only to be told it was canceled and that I had to submit a new one). 2) I made a dozen calls to AAA. If you select the option for Southern California, you're put on hold forever no one responds. Have to go through the Northern *********** and then be transferred. The dispatch also keeps you on hold until you give up and hang up. Multiple mistakes were made by the agents while placing service requests (wrong type of service, missing code, selecting a shop 100 miles away that cannot possibly come, etc.) Why am I paying for membership if the most essential feature it provides doesn't work at all? Nobody took responsibility for these failures or tried a different approach, and my car still doesn't start. The best thing you guys can do now is assign someone to actually see this through and make sure a technician shows up to provide assistance. And consider refunding the membership fee for this year it looks like I'm paying just for my time to be wasted.

      Business Response

      Date: 02/08/2023

      This is not a matter for the Automobile **** of ******** California to address. This is a member of AAA Northern California. Please re-direct to the correct AAA club for response.

      Business Response

      Date: 02/27/2023

      Contacted member and offered to pay her renewal dues when her and the associates membership renews on October 4, 2023 and she accepted.

       

      Sincerely,

       

      ***********

      ************

      Customer Answer

      Date: 03/01/2023

      Better Business Bureau:
       
      AAA worked with me and resolves complaint (ID ********) in a satisfactory manner.
       
      Thank you for your help!
       
      *****

    • Initial Complaint

      Date:02/15/2023

      Type:Service or Repair Issues
      Status:
      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 have been a AAA customer for many years and my car was in an accident in July and the drn that AAA sent us to put in aftermarket parts and we've had nothing but problems after. Took weeks to get a guarantee reinspection apt then finally we got an apt. The ******************************* were very unprofessional, never wanted to take responsibility of guaranteeing issues following "guarantee repair"policy then they took it upon themselves to tow it to a local dealership without asking our permission & left the car at the dealership for over a week the dealership. AAA guarantees the repairs and they did not honor any of the additional repairs they kept saying it wasn't related to the repairs that DRN shop initially conducted & I ended up paying almost $384 out of pocket for two different diagnostic testings plus out of pocket rental and on one particular day AAA told us we had to return the rental but our car was still in the shop because nobody from DRN was making any decisions and we just kept waiting to get an answer but AAA said we had to return the rental so we returned the rental ********** or DRN would NOT give me a ride home I'm 73 years old & had to walk home in the pouring down rain. I then was without a car for over one week until we got TEXT yes TEXT then an letter via email from CSAA saying the broken belts were not related to an aftermarket part so basically they did not honor their guarantee repair ************** couldn't prove that the belt broke was related to the aftermarket condenser so I had to pay over $384 for diagnostic and no one ever apologized to us no one ever took responsibility. I'm absolutely disgusted in the way CSAA handled it & the adjuster was never in our corner from the start I even got updates from the deer and shop for another customer's repairs and their information not even ours very unprofessional. I will have let many family members know and friends know the way CSAA is treating their insurers they DO NOT guarantee the repairs and this is how we were treated. Thank you for filing my complaint. AAA Claim: ************

      Business Response

      Date: 02/22/2023

      Dear **********

      Attached, please find our response to ********************** inquiry. 

      Sincerely, 

      CSAA Insurance Group Policyholder Relations Department 

      Customer Answer

      Date: 02/22/2023

      Thank you so much BBB I do not accept this response from CSAA *******************. This is absolutely unacceptable and it was not wear and tear it was the drn shop and we tried multiple times to get an appointment with the drn shop took weeks until someone finally called us back I have documentation that I was submit this was clearly not wear and tear they never are star permission to take it to a dealership the dealership did not say it was wear and tear nor was there a third inspection done per ****** boxes message they put aftermarket parts with the initial repair and they guarantee any repairs after that the broken belts were caused from the initial repair I do not accept this response from CSAA.. and for *********** to not even address the rental issue AAA is the one that told us to return the car while our car was still in the shop so they are responsible for the out-of-pocket rental I do not accept their apology and will continue to go higher thank you to the BBB for being in our corner.. CSAA has really gone downhill over the years

       

       

      Thank you

      Business Response

      Date: 03/09/2023

      Dear **********

      Attached, please find our response to ********************** latest inquiry. We now consider the matter closed. 

      Sincerely, 

      CSAA Insurance Group Policyholder Relations Department

      Customer Answer

      Date: 03/09/2023

       
      Complaint: 19413880

      I am rejecting this response because: we are not accepting their response it was not wear and tear and  it was never taken to three shops they have no documentation that says it was taken to three shops that information was never provided to us because it never happened and the drn shop nor CSAA asked our permission to take it to a dealership. And when they took it upon themselves to take it to THEIR dealership they left it at ****** for 5 days and ****** never documented that it was wear and tear. And the paperwork that we received from ****** which I have a copy of it had completely different dates and a completely different customer's name & vehicle information attached  so no one was ever on the same page..  and then when we got a text message which I also have saved directly from the drn service manager it was regarding another AAA customer's ************* and their personal information.  Now they're saying wear and tear whereas before they were saying it wasn't related to the initial repairs from the *** shop  where they  guarantee repairs, mind you when we drove our car to ******** the serpentine belt was on our car and when ******** took it upon themselves to take it to ******, ****** confirmed the serpentine belt was not attached any longer. This is absolutely unacceptable..again  we are not accepting this and we would like a response from ******'s manager as this response is a flat-out lie that she says  our car was taken to three different shops I'd like to know what three different shops? As again that is a flat out lie. I appreciate the BBB working with us &  this is absolutely unacceptable and we are rejecting their response the matter is not closed. 

      Sincerely,

      ***************************

      Customer Answer

      Date: 03/16/2023

       
      Complaint: 19413880

      I am rejecting this response because this is incorrect, we tried numerous times to reach the CSAA *** shop ******** that did the initial repairs and I will submit my call log confirming the attempts to have them look at the car as they did the initial repair and when we finally received a call back they set a "Reinspection Gurantee repair apt for weeks out" however, the car just could not drive very well so I took it straight to the *** shop and drove it in and the Service Contact  Will came out and right of the bat judge us and was not professional at all he said oh the car is overheating we were like no its not running right ever since you replaced the parts when you did the repairs there is something wrong. Will at the *** could not even get a hold of CSAA Or ERAC we had to make all the calls to get the ball rolling he was very impatient with us and could appear very overwhelmed. after we made the call to the CSAA claims line and set up ERAC we left the car there.. *** took it upon themselves to take the car to the dealership and I have attached the paperwork from ****** stating the belt was missing when the *** shop towed the car there, so how the heck can CSAA say wear and tear when there was no belt and when we drove the car to the *** shop the belt was on the car as anyone in the repair business knows you cannot drive a car with out a belt. We are rejecting the response from CSAA its inaccurate and a lie. We also will be submitting a DOI complaint.  The damages was caused by the initial repairs CSAA approved and they are not honoring their gurantee repairs. IT was not wear and tear and if you referecnce ****** diagnositic they said for a belt to be replaced and then they can check not one thing about wear and tear and if you look at the invoice ****** has wrong dates. VERY Unprofessional and as we stated from day one CSAA< ******, *** shop were never on the same page and tons of mixed messages and we are out of pocket $363.00 I would like CSAA to reinburse for this:

      Sincerely,

      ***************************
    • Initial Complaint

      Date:02/13/2023

      Type:Order Issues
      Status:
      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.
      Have been attempting to reach AAAs insurance adjuster ***************************** for nearly 2 months leaving voicemails and no return call. I want to have my vehicle fixed and ** simply being ghosted by himself and his partner.

      Business Response

      Date: 02/14/2023

      Dear **********

      The above complaint was submitted to CSAA Insurance Group in error and will need to be re-submitted to the appropriate AAA company. 

      Sincerely,

      CSAA Insurance Group Policyholder Relations Department

    • Initial Complaint

      Date:02/10/2023

      Type:Service or Repair Issues
      Status:
      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.
      Date of Loss was 9/22/2022 We had water damage to our kitchen floors, cabinets, drywall, and surrounding structures due to a drainage pipe that broke. We filed a claim with our homeowners insurance CSAA. Their final settlement letter stated they will not pay for the replacement of our cabinets with the exception of on base cabinet. We provided them with an estimate from a local cabinet company that stated that the cabinets could not be matched with the same wood, grain, and finish of the rest of the cabinets. CSAA is not providing fair and equitable replacements. Our claim# is ************.The below information can be found in Insurance Demand Letter attached.Based on the above estimations, a value totalling $32,388.14 would be fair and reasonable.$13,241.42 Total Replacement Cost Value per AAA Insurance -$1,479.53 ********************* costs - - - - - - - - - - - - - - -$11,761.89 ****************** costs -$1,000 Less Deductible - - - - - - - - - - - - - - -$10,761.89 Remaining Balance after Deductible +$21,626.25 Actual Fair and Reasonable Estimation of ********************* Costs (in CA)- - - - - - - - - - - - - - -$32,388.14 Actual Fair and Reasonable Replacement Cost Value Balance after Deducti

      Business Response

      Date: 02/16/2023

      Dear **********

      Attached, please find our response to ******************** inquiry to your office. 

      Sincerely,

      CSAA Insurance Group Policyholder Relations Department 

    • Initial Complaint

      Date:02/10/2023

      Type:Service or Repair Issues
      Status:
      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.
      *** has authorized a remediation company to remove several items from my home as non salvageable item do to a fire in my home on May 26th 2022. My items have now been disposed of and aaa has yet to compensate me for the replacement of my property!!!

      Business Response

      Date: 02/15/2023

      February 15, 2023

      Better Business Bureau,Inc.
      ********************************************************* 94607

      Attn: **********
      Dispute Resolution Specialist

      Re:        Complainant:                              *********************
                     BBB File Number:                     19380968

      Dear ********:

      We are in receipt of your offices inquiry. We have reviewed the complainants concerns to your department.

      The complainant also filed a formal complaint with the Department of Insurance with similar concerns.  

      Our ***************** responded directly to the Department of Insurance and the complainant.

      We believe the complainants concerns to your agency have been addressed through the Department of Insurance complaint.

      Should you have any questions or require any additional information, please feel free to contact me at the number below. 

      Sincerely,


      *****************************
      Policyholder Relations
      Corporate Headquarters
      Phone: ************

      Customer Answer

      Date: 02/21/2023

       
      Complaint: 19380968

      I am rejecting this response because: The information provided does not inform you that the issue is still unresolved. The company is simply stating that I have notified the insurance commissioner office and they have responded. There has still been no resolution.

      Sincerely,

      *********************

      Business Response

      Date: 02/24/2023

      February 24, 2023


      Better Business Bureau, Inc.
      ********************************************************* 94607

      Attn: **********
      Dispute Resolution Specialist

      Re:        Complainant:                              *********************
                     BBB File Number:                     19380968

      Dear ********:

      We are in receipt of the complainants additional concerns submitted to us on February 22, 2023.

      We do apologize for any confusion.As part of responding to a Department of Insurance complaint, our ***************** provides the policyholder (and the ********************* written communication which includes a complete status and update on the claim.

      If you or the complainant have any further questions, please give me a call.

      *****************************
      Policyholder Relations
      Corporate Headquarters
      Phone: **************

    • Initial Complaint

      Date:01/27/2023

      Type:Sales and Advertising Issues
      Status:
      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.
      Ive asked AAA dozens of times to stop advertising to me and to stop sending me mailers including here on BBB. They have so far refused to delete my data as *** asked them to. I want them to cease all communications with me.

      Business Response

      Date: 02/07/2023

      We have now documented and will remove him from any future mailings from both of his address.

       

      Sincerely,

       

      Lakshmi Pal

      ************

      Customer Answer

      Date: 02/08/2023

       
      Complaint: 18941967

      I am rejecting this response because:

       

      I want to know what is different this time that will ensure you will not continue sending me solicitations.

      Sincerely,

      *********************

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