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Important information
- Customer Complaint:Due to the volume of complaints filed against this
business, BBB only publishes the details for 15% of the total complaints filed.
Complaints
This profile includes complaints for JPMorgan Chase Credit Card's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 6,384 total complaints in the last 3 years.
- 2,544 complaints closed in the last 12 months.
If you've experienced an issue
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:11/06/2023
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 spoke with a customer rep in October requested rep to update my auto pay account. She confirmed the update was made. 2 weeks later by payment was returned because she never made the updates she confirmed were made. I called 10/31/23 asked again for autopay changes to be made. I was told again yesterday they would be made. Today, I get an email for nsf. They refuse to unlock my account so I can make the appropriate changes. I have been a customer for 9 years and 1st time I'm delayed this is how i'm treated?
In addition, I was told by the customer service rep on 11/1/2023 that I would receive and email. I never received the email confirming what was discussed in the call.Business Response
Date: 12/27/2023
We responded to our customer's concerns. To protect our customer's privacy, we are not providing you with any details of our resolution. Our customer may use their discretion in sharing our response directly with you.Customer Answer
Date: 12/27/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.The issue is still ongoing, nothing has been rectified.
Hello, In the response from Chase, they concluded that my account wasn't locked. This continues to be an ongoing issue as of this morning. Each time I reset the password, I save the password in my password database and the next time I go back and log in the password isn't valid. I try to reset the password but I'm not always successful which leads to the ongoing cycle of calling to get the password reset. When on the phone with the customer service rep they always say the account isn't locked. But until this morning I was told my password expired b/c I hadn't logged in for some time. Which doesn't make sense if I paid on the account 2 weeks ago. For the month of October, I was denied access to my account and I have provided an attachment with a screenshot of the message I received when attempting to login to my account. During the month of October I was transferred from department to department and was told they password couldn't be reset but after 3 or 4 transfers someone would reset the account for me. I would gain access to the account but when I need to login and pay again, I would encounter the same issue all over again. Causing delays in my payments.
Regards,
Complaint ID: 20812989
Business Response
Date: 01/09/2024
We responded to our
customer’s concerns in our letter dated January 9, 2024. To protect our customer’s privacy, we are not providing
you with the details of our resolution. Our customer may use their discretion
in sharing our response directly with you.Initial Complaint
Date:11/03/2023
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 filed a complaint on 9/7/23 for a transaction date of 6/4/2023.
This is my 3rd chargeback in 20 years and only my 1st one with Chase.
I have to say I'm disappointed. Of course I wanted the dispute to go my way, and fill that it should have.
What really makes me mad is how the process went down.
I filed my dispute online and gave all the information I could think that was needed.
I kept my eye on it every once in a while and didn't see any updates from chase or Allegiant air. Not even an email.
Than one day, I noticed my balance shot up and sure enough the charge was back on my card. I went to the website and saw that the dispute did not go in my favor.
It said that the merchant didn't find evidence of a billing error. Which is not even the reason I filed the dispute.
It also stated that I would be getting a letter explaining everything.
Its been over 2 weeks and I have not received a letter or email with any information.
I've been using this card for about 8-10 years with no issues. I had about $1000.00 in points.
Well I used my points to pay off part of my card and if this is how I'm going to be treated, than I'll probably just close my account and give another credit card company my business.
I stated before that I had bought the tickets with the understanding that I could cancel at anytime and get my money back. Minus the money I paid for the insurance.
Not only did they NOT give me my money back. I only got a credit that was good for about a year. And they kept about $200.00. So even though they gave me a credit they didn't give me back the full amount.Business Response
Date: 11/14/2023
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.Initial Complaint
Date:11/02/2023
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 August 3rd, 2022 I attempted to purchase concert tickets and used my Chase credit card to pay the individual through Cashapp. I got scammed, and the individual never sent the tickets. I processed my payment in 3 amounts because the app limited the amount I could send out. Immediately after I did not receive the tickets, I submitted all the transactions to Chase card service as fraud.
Two of the three complaints I filed were returned to me, the third is the issue at hand. Chase refused to honor the third fraud complaint, and attempted to charge me for being defrauded. I called back in November 2022 to dispute further. After spending almost 3 hours on the phone and taking to no less than 4 separate people I was told that Chase would be taking care of the dispute. I had intended on closing my account at that time, but refrained from doing so under the assumption they would be reimbursing me for the $75 charge on my card.
2023 comes around and they still did not issue a refund. I did not use this account, and by the time I noticed they were sending me bills they had added on interest and late fees for a charge that I dispute owing. At this point, they said I had 4 days to send them a dispute in writing, they would no longer accept an online or phone dispute to the charge, or they were closing my account. I told them to close the account as there was no way I was paying them anything for the lack of service they had provided, nor was I paying them for being defrauded. Chase shut down any access I had to those accounts, but continued to send me further bills, and has now sent me to collections for a charge that I disputed multiple times has fraudulent.Business Response
Date: 11/30/2023
We responded to our customer's concerns. To protect our customer's privacy, we are not providing you with any details of our resolution. Our customer may use their discretion in sharing our response directly with you.Customer Answer
Date: 12/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,
Complaint ID: 20815419I was called by CHASE and the reversed the charge and interest associated with the charge, as well as late fees. They are still trying to charge me for an annual fee on an account that I attempted to close BEFORE the fee was charged. If my original issue has been handled appropriately I would have canceled by business with CHASE prior to Dec 2022. The charge they are so trying to maintain is the annual fee, which would have been void if I had been able to close my accounts as I had intended on my call in Nov. 22.I am still disputing this charge. In addition, I was told that Chase needs me to submit my credit report to show what I would like reversed. It is simple, and does not require me disclosing my entire credit report to them for this. Chase needs to reverse ALL late payment reports made to ANY credit reporting agency. I had not missed any payments until this situation. 30, 60, 90 days late reports made under my name and SSN need to be canceled and rescinded, is a simple as that. In addition, any derogatory reports THEY filed in my name need to be rescinded immediately for cause. Lastly, this has taken an impact on not only my time, but my stress level and peace of mind over the last year. At this point monetary damages for their lack of response, horrible customer service, and damages to myself need to be imposed. Based on previous records of settlements with mis-reporting to credit bureaus, the monetary damages usually equate to thousands, if not tens of thousands of dollars per grievance. I am seeking a valid offer of settlement in monetary recompense, or I will be taking this situation to a lawyer.
Business Response
Date: 12/15/2023
We responded to our customer's concerns. To protect their
privacy, we are not providing you with any details of our resolution. Our
customer may use their discretion in sharing our response directly with you.Initial Complaint
Date:10/26/2023
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.
Re Dispute re The Book House; Visa's correspondence dtd Oct 9, 2023
I responded to this correspondence by phone but Chase/Visa would not discuss the case by phone, thus this letter is documentation:
"Summary...(dot 4)"charge made in person"...Not true; contact has been only by telephone conversation.
(dot 5)"made it available for pickup..." Not true; yes, part was available; but as I stated in previous correspondence to Chase/Visa, part of the merchandise was not available until March 2024.
I consider this store to be unscrupulous in their dealings. In the initial phone conversation, giving my charge account number was part of the conversation; and even though they could not verify that they had all the merchandise I was interested in, they immediately billed to Visa as though they did have all the merchandise. As I stated in my previous information to Visa, on at least two occasions the employee stated that one book was not available until reprinting in March 2024; however, that book charge was included in the "sales receipt" sent to Visa; in fact, they billed as though they did have all the merchandise.
The Visa charge for the merchandise was dtd August 3 (original contact). As I had not received any merchandise, plus had been told that some merchandise was not available until March 2024, I was incensed. I cancelled the charge with Visa, and phones the store to report what I had done. Words were exchanged.
The store sent their response to Visa, and included a copy of the sales receipt, dtd 3 August. As the discussion re the books was done by phone, I did not see the sales receipt until I received the copy from VISA. Note the receipt has a hand written notation "still need these two; others on hold downstairs." I was being charged for merchandise that was not available!
On October 4, I mailed to Visa my reply in response to the bookstore claim. Special Note: On Oct. 9, a message was left on my phone from the bookstore: my order "was ready for pickup!"
Question: How did merchandise that was not available until reprinting in March 2024 suddenly become available on Oct. 9?
I find this store deceptive.
Thus, I disagree with Chase/Visa's conclusion that I should pay for nonreceived merchandise and strongly protest Visa's plan to reinstate this charge.Business Response
Date: 11/17/2023
We responded to our
customer’s concerns in our letter dated November 16, 2023. To protect our customer’s privacy, we are not providing
you with the details of our resolution. Our customer may use their discretion
in sharing our response directly with you.Initial Complaint
Date:10/17/2023
Type:Billing IssuesStatus: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.
My complaints:
1) Grow Financial Bill Pay service issued electronic payment on 10/6/23 (attached) for my Amazon Chase card due on 10/9/23 (Columbus Day). However, the October statement list a $27 late fee on 10/9/23 (attached) for which the payment was not late and the fee was charged on the due date versus after the due date. Why the late fee?
2) I am hearing impaired and cannot hear on a phone. Every means and method provided by Chase to dispute the late fee charged requires a phone call. Why are electronic means of communicating with Chase blocked???Business Response
Date: 10/31/2023
We responded to our customer's concerns. To protect their
privacy, we are not providing you with any details of our resolution. Our
customer may use their discretion in sharing our response directly with you.Customer Answer
Date: 11/03/2023
Better Business Bureau:JP Morgan Chase reversed the late fee due to undisputable
evidence that the payment was electronically sent three days before the due
date. Moreover, Chase recommended solution was auto-pay for future payments so
unjustified fees can be charged to an account without prior review. The
Hearing-Impaired ADA issue was totally ignored!I have received a response directly from the business in reference to my complaint and find that this resolution is satisfactory to me.
Regards,
Complaint ID: 20741948Initial Complaint
Date:10/12/2023
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 am not liable for this debt with Chase Card . I do not have a contract with JPMB Card Services, they did not provide me with the original contract as requested.Business Response
Date: 10/26/2023
We responded to our
customer’s concerns in our letter dated October 26, 2023. To protect our customer’s privacy, we are not providing you with the
details of our resolution. Our customer may use their discretion in sharing our
response directly with you.Customer Answer
Date: 10/27/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
To Whom It May Concern:
This letter is regarding account #12966 , which you claim that I owe $935.00. On dates
previously stated on your response letter, I wrote you requesting validation
and an investigation into items that I believe
are still inaccurate. To date, I have not received any such validation. In my
previous request directly
to you, I listed my reasons for disputing the information and requested
validation. As per the FTC opinion letter from Attorney John F LeFevre,
you should be aware that a printout of a bill or itemized document does
not constitute verification. I am again formally requesting a copy of
any documents, bearing my signature, showing that I have a legally
binding contractual obligation to pay you the alleged amount.Again, I am Requesting validation, made pursuant to the Fair Debt Collection Practice Act and FairCredit Reporting Act, along with corresponding local state laws. Please note that I amrequesting "validation"; that is competent evidence bearing my signature, showing that I have(or ever had some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports (including Experian, Transunion and Equifax) from your company or any company that you represent, for debt that I don't owe is a violation of FCRA & FDCPA; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed totake no action that could be detrimental to any of my credit reports.Since this
is my final request, I will also be sending a copy of this letter to the
Federal TradeCommission
notifying them that I have signed receipts for letters sent to you and you
have notcomplied
with my request. I regret that I am being forced to take such action.Failure on
your behalf to provide a copy of any alleged contract or other instrument
bearing mysignature
may result in a small claims action against your company. Therefore, either
providethe
requested information or cease your collection efforts and reporting of this
account on mycredit
reports immediately.
Regards,
Complaint ID: 20724353
Business Response
Date: 11/20/2023
We responded to our customer's concerns. To protect their privacy, we are
not providing you with any details of our resolution. Our customer may use
their discretion in sharing our response directly with you.Initial Complaint
Date:10/05/2023
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.
Chase is unbelievably fraudulent. I pay a $95 annual fee only for the benefits of its Unitrd business card especially United Lounge passes. I saved these passes to use over the summer, when I travel abroad, but United said it wouldn't take any passes at all at SFO over the summer. When I complained to Chase, they blamed United, which unequivocally says this is a Chase benefit and Chase bears sole accountability. Chase lied endlessly, kept pointing the finger at United, took no responsibility at all, lied that it could not issue any credit, over and over. It's basically Ike dealing with criminals. All a credit card does is offer customer service, and Chase seems to think that means abuse, fraud, lying, and wasting your time. If you get their cards, be aware they do not stand by their benefits, and their ads and promises are meaningless.Business Response
Date: 10/18/2023
We responded to our
customer’s concerns in writing with our letter dated October 18, 2023. To
protect our customer’s privacy, we are not providing you with the details of
our resolution. Our customer may use their discretion in sharing our response
directly with you.Customer Answer
Date: 10/20/2023
Better Business Bureau:
I specified to Chase it needs to contact me by email and that i will not receive anything in writing, so I have not received any resolution. If Chase emails me or resolves the matter I will update my response. There is nothing confidential in its response, so there is no reason to hide it from the BBB normal channel which is to address things publicly.
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
Regards,Complaint ID: 20698810
Business Response
Date: 11/02/2023
We
responded to our customer's concerns. To protect their privacy, we are not
providing you with any details of our resolution. Our customer may use their
discretion in sharing our response directly with you.Initial Complaint
Date:10/03/2023
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 booked at Hilton Garden Inn, Rockaway NJ for $19 more per night, on Chase Travel, compared to what Google showed. I was hoping I would get better customer service. I could not add/attach my Hilton Honors status to the booking. However, my situation changed and I had to cancel the hotel booking. I called Chase and asked them to use my Hilton Honors status to book, but they said they cannot use it, and that I have to forfeit my money.
Wasted 45 mins with Chase Travel customer service folks in South East who put me on hold while they tried to get the hotel manager online. In the end they could not convince the hotel manager I guess, and told me they could not help.
So I paid $595 per year for Chase Sapphire Reserve card, $38 more for the trip, 1 hour on the customer service line.... and lost >$364 in booking amount all because I booked and cancelled through Chase Travel? If I did not have Chase Sapphire Reserve, i would have booked online on the Hilton website and my elite status would have given me free cancellation :(
I will never ever book on Chase Travel, you pay $1000s more, for a crappy experience.Business Response
Date: 11/02/2023
We
responded to our customer's concerns. To protect their privacy, we are not
providing you with any details of our resolution. Our customer may use their
discretion in sharing our response directly with you.Customer Answer
Date: 11/07/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. The business called me and said they offered me a refund of $200 or so. That is not the right resolution.The right resolution would be to ensure that Chase Sapphire Reserve customers get the better of a) the Hotel's Loyalty program benefits and b) Chase Travel terms. Right now, if a customer books through Chase Travel, they can rest assured to be treated like a pariah, both by the hotel and by Chase concierge, regardless whatever elite status they hold with the hotel. That makes ZERO sense for a customer that is buying a $500+ per year card.
Regards,
Complaint ID: 20692360
Business Response
Date: 11/15/2023
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.Initial Complaint
Date:10/02/2023
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.
Dear Executive Team,
I've been a loyal Chase cardholder for over 12 years, having diligently met my obligations and contributed significantly via annual fees. On 7/18/23, I opened a Chase Business Premier card with the account ending in 9967. Shortly thereafter, I transferred points from my Ink Business Cash and Ink Business Unlimited cards.
To my consternation, I later realized a restriction unique to this card: points can be transferred in but not out. At the time of my transfer, there was no alert highlighting this limitation. However, I've observed that an alert is now in place when attempting transfers, leading me to suspect that other cardholders might have faced similar challenges.
My longstanding relationship with Chase is a testament to the mutual respect we've shared. The current impasse severely limits my ability to use these points with travel partners, which was my primary intention. I can't help but feel that a VIP customer like myself should not be penalized due to a communication oversight that has since been corrected on your platform.
I implore you to consider the depth of our relationship and work towards a resolution that reinstates the trust and value I've always associated with Chase.
Thank you for your prompt attention to this matter. I remain hopeful for a swift and favorable resolution.
Best regards,
Business Response
Date: 11/17/2023
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.Customer Answer
Date: 11/17/2023
they basically said “sorry can’t help”
Better Business Bureau:
I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Regards,Complaint ID: 20684562
Initial Complaint
Date:09/28/2023
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 sept 27 I made a payment of 67.00 on my chase account, wasnt due till sept 28 at 7pm. chase said i was late and charge me a late fee and double my payment, I was not late . said as long as they get my payment by 7 pm. I email me and said i was latae. they never post my payment till 2 day later. How can this be. I want that 107.00 take off and the late fee. and post my 67.00.
chase card member services
card member service
po box 1423
cBusiness Response
Date: 10/06/2023
We responded to our customer's concerns. To protect their
privacy, we are not providing you with any details of our resolution. Our
customer may use their discretion in sharing our response directly with you.
JPMorgan Chase Credit Card is NOT a BBB Accredited Business.
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