Complaints
This profile includes complaints for Kemper Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 645 total complaints in the last 3 years.
- 151 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:02/07/2023
Type:Service or Repair 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.
On 12/06/2022, a Kemper policy holder hit my Tesla in the parking lot and opened a claim# ***********. Kemper's adjuster ****************** called my wife on 12/07/2022 to advise her to get an estimate from an autobody shop and she will go from there. I called Ms. ********** left her a VM that I will be the point of contact since my wife's job limits her ability to take calls. ****************** called my wife again on 12/08/2022 to verify if there is a child seat in the time of accident and my wife replied there were 2 and my wife told her to call me going forward. I called ****************** on 12/08/2022 and left her a VM to ask for the Tesla approved autobody shops but she never replied. I called and left her VMs numerous times until I found by myself a Tesla approved autobody shop that works with Kemper within 35 miles from my house. I also asked about the replacement car seats and also the arrangement of a rental car during the repair but no reply at all. I have also left a VM to her supervisor "*******" and I would appreciate if Kemper Auto Insurance can remedy the situation. The repair date has been scheduled for the month of April and I definitely need a rental car. Also, the car seat replacement can be done first while waiting for the repair.Business Response
Date: 02/16/2023
Attached, please find the submitted response letter for this complaint.Customer Answer
Date: 02/23/2023
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. Thank you for help and God Bless!
Sincerely,
***********************Initial Complaint
Date:02/06/2023
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.
Car accident occurred by Kemper Auto client driver on October 14, 2022. Havent been able to get any phone calls or email responses back from the claim adjuster at all. They will not return my calls or emails. I want my claim resolved. They have gave me the run around since day 1. I need a manager to get in contact with me to get this claim processed ASAP.Business Response
Date: 02/15/2023
Attached, please find the submitted response letter for this complaint.Initial Complaint
Date:02/06/2023
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.
Car Insurance Policy: 10185663-B01 I decided to not continue with this insurance policy, a Broker (*************************** Insurance Agency) is involved. I advised the agent, on January 24, 2023 I removed the automatic payment from the eKemper website. The broker did not follow through with the account cancelation (advised in writing and in phone calls between Jan. *****). Kemper charged $1700 on February 2 to our credit card. We spoke with the broker AND Kemper directly. Kemper advised us that they had noted we removed the automatic payment, but that payment against invoice was still selected and valid for them charging us. We understand that the broker failed, it is being resolved, Kemper has advised they will return our funds in 5-7 days, since it is more than $500 they must seek approval. (In writing on Feb 6, 2023). We assume they will comply, but our official complaint is HOW did they charge us when automatic payment was removed. Their reasoning of paying an invoice is a fraudulent re-defining of established financial terms. This is a tactic and a mis-use of payment terms that is ABUSIVE. This terminology must be changed on their website and Policy. An A+ rating of BBB is underserved, as per point 4 of BBB ratings - in which TRANSPARENCY is rated.Business Response
Date: 02/16/2023
Attached, please find the submitted response letter and supporting documents for this complaint.Customer Answer
Date: 02/20/2023
Complaint: 19340392
I am rejecting this response because: this is my response directly to KEMPER:I acknowledge receipt of your response, I acknowledge the information provided about the online activity on Feb.2, 2023 is correct. Nevertheless, your response is only a partial chronological list of the facts of our interactions. As an ex-COO of a Trading Firm, I realize the benefits of only choosing certain facts to make a point, while avoiding others.
Since you have access to my online activity please respond to:
1. What was my online activity on the account on Jan. 24, 25, 2023?
When I received the new quote for insurance and the increase of $500, I went to the website - Ekemper.com opens automatically to a page where a client is asked to review payment options, I un-checked the automatic payment and immediately received a RED notice that automatic payment acceptance is required. I could not progress to see my documents. I signed in two other times, since i could not progress beyond this page without confirming auto payment. I was later able to proceed to viewing my documents by clicking on Policy Info, THEREFORE, Please confirm that when a client UN-clicks automatic payment that a RED warning notice appears and does not allow a customer to proceed further.
2. What was the response of the Kemper agent on Feb. 2, 2023? The agent CONFIRMED that the client had removed automatic payment, but that Kemper had authority to charge the client based on payment against invoice. Please explain this. What are the levels of authorizations that Kemper has to charge customers. It is clear Kemper has created different levels in which they are authorized to proceed with automatic payments. A clear answer is required, not a repetition of the previous message.
3. Please explain why Kemper documents are no longer dated, a policy that appears to have begun in the last 2 years. (The documents have a date of arrival to a clients inbox, but documents are NOT dated, the line where they used to be dated is now deleted from your letter format). See attachments of inbox messages and a mail document received from Kemper. The documents are 1 yr apart, yet that is impossible to tell by the document itself. The documents also BOTH contain wrong information relating to 2018-2019 insurance years, yet the letter in the mail was received in February 2023. The removal of dating documents relates to my other BBB complaint # ******** and the lack of TRANSPARENCY of Kemper. It is clearly not been a policy of a company that has existed for 103yrs to not date documents for 103yrs. When did this format change begin?
4. On Feb. 20, 2023 Kemper sent Form IA 1016CT (05 17) via email for my signature about my already cancelled insurance policy. The document states in bold, capital letters If you have selected a limit less than your bodily injury liability. You are choosing not to purchase certain valuable coverage which protects you and your family. . Please explain why and IF THIS IS ACCURATE, TRANSPARENT INFORMATION that is beneficial to a customer? or misleading and confusing?
Kemper is acting with this client in manner that is purposely confusing, dis-orientating. Kempers website is also an extension of this confusing and lack of transparency and lack of correct information. This all leads to Kemper to be able to selectively make choices that affect negatively a client - such as the IMPROPER CHARGING OF USD ***** to our account.
Contrary to Kempers recitation of the events of their improper, misleading automatic payment system, Kemper continues to have an interaction with this client that is either intentionally dis-orientating, and incorrect, or professionally inept. THUS the need for this complaint.
Sincerely,
*************************Business Response
Date: 03/09/2023
Good afternoon,
Please see our attached response for file 19340392.
Please let us know if further assistance is required.
Thanks,
Regulatory Administration
**************************************************************************
************
***************************************************************Customer Answer
Date: 03/20/2023
Complaint: 19340392
I am rejecting this response because:
1) The information provided on the website choices does not reflect an accurate representation of the webpage navigation.2) The issue of issuing documentation with incorrect policy data is referred to the IT department, which is not accepting of the responsibility of properly communicating with a customer, but rather that this issue of wrong information is a tech issue, not a Kemper Customer Relations issue.3) The date a document is received is the date that it should be considered as issued. This is not transaparent. It is denying a customer any paper trail of communications with Kemper.If a customer, such as I, wish to document and show mis-information, or errors of the IT department, a customer must screenshot the ******************** letter from the Kemper In-Box, THEN screenshot a separate image of the Inbox (with all the emails received) and put an arrow to the email that the customer is referencing. But there is no way to show that the InBox list of emails corresponds to the attached, undated, latter. NOT TRANSPARENT. Not professional or sustainable legally. No lawyer in Kemper should be authorizing Kemper to send out undated letters, in a formal letter format, with Kemper format and logo - but NO DATE.The response is rejected, due to the fact that a Customer complains in order to make things better for your present-day customers and in order that procedures IMPROVE. There is no inclination from Kempers response to make any change - to the dating of documents, or assurance that *********** will resolve the issues mentioned.Simply stated, this is not transparent or client-friendly. Kemper may proceed in this manner going forward, but it is unsustainable that it should have an A+ rating from the BBB. Period.The issue of the improper charging of our credit card: ends up being a he said, she said issue, which we disagree with the representation of Kemper and does not correspond to the comments we had with the Kemper agent, nevertheless there is not a paper trail to prove further our point.Sincerely,
*************************Initial Complaint
Date:02/06/2023
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 pay life insurance payment to Kemper Life insurance monthly. Payment was made to ******(office secretary), in June 2022. I started getting "lapse" letters in mail when policy should be paid up to date. I call and was told "system is updating" everything should be fine. In august i made another payment, then got another letter in the mail. I called again with same exact results. Then I wrote a letter to the company, a month later ******* called me and told me my payment was applied to another customer. ******* said he would contact his boss to see what he can do. ******* never returned my call this was in December 2022. I called his boss in Feb. 2023, in which ******* called me back and told me "there is nothing they can do." Now my life insurance is lapse because of their mistake, yet they took my money. I am disputing my payment of $285.60. ******* number is **********. i made payments every 2 months to Kemper LifeBusiness Response
Date: 02/17/2023
Please see attached*Initial Complaint
Date:02/05/2023
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.
Policy#***********. ********************************* Claim#*********** Im ****************************************** writing regarding the above insured by Kemper/Infinity Insurance co. Im primary owner of the other vehicle involved along w/my son *********************. On 2/21/22 my son ****** car was hit by **************, who ran thru a stop sign full speed at Locust ****************** ****. **. When the police were called he ran. My son got a glimps of him. ***** spend a day in the ** & was off work **** days. When contacted, Police were told by the insured it wasnt ********* was stolen, lost keys across ************** found them & by chance found the car in the city, that the keys went to & took it. He was told by police it was all but impossible. And they checked, there was no car reported stolen. The initial adjuster had car towed to a place in ************ where they were to hold car until determined if it was repairable or total loss. The storage sent email to my son. Its been over 10 months. They asked for police report 3 times since, never provided rental car for my son as he was told but continued giving him the run around & changing adjusters. He lost his job because of loss of transportation as he worked out of town. Now a new adjuster is claiming they may not be liable, & even told storage place to get rid of our car! After having it sit for months! I wasnt aware of any of this other than accident. Because vehicle is in my name it hinders my ability to get car financed. I have reached out via email, calls, customer service, with no help. I need this resolved now. We didnt ask for damages, as there are plenty, or charges for the insured, only that car is taken care of. Please help us resolve this so we dont have to go the court route & incur more expense & time which will cost them much more in the end! And hinder me from moving forward w/ car purchase.Business Response
Date: 02/14/2023
Please see the attached response for file ********.Customer Answer
Date: 02/20/2023
Complaint: 18960884
I am rejecting this response because: I believe Kemper Insurance is liable and moved our vehicle and left it there for us to pick up when they know it was totaled by their insured! As the police report stated. Their own staff thought this so much as to agree to have it towed & moved until a determination was made of it being totaled or repairable. And agreed that my son should have rental provided by then. When I called after learning all this, the person in the phone made similar statement. And when I called the storage location in December they still had possession of the car that Kemper told them to dispose of without as much as a call to the primary owner, myself. As stated in the police report there is no way this car could have been stolen & it was insured by them. We will seek legal action & request damages, for losses beyond just the car. I was only attempting to have the car taken care which they know they insured at time of accident. I was hoping for a respectful fair decision considering the tons of complaints they receive. I see and we werent trying to take advantage of them or they system. I believe our request of more than fair, its right!
Sincerely,
*************************************Business Response
Date: 02/27/2023
Attached, please find the submitted follow-up response letter for this complaint.Customer Answer
Date: 02/28/2023
Complaint: 18960884
I am rejecting this response because: The issue is not about after April or even August 2022. The issue is from February 21, 2022 thru August 2022, you had our vehicle towed & stored, you said until determination on total loss or repair was decided. It was moved to another county and held all that time without payment for our vehicle or repair, nor was a rental car provided to my son as the initial adjuster agreed. Again, your insured was at fault, who my son saw at the accident site before he ran when the police came. And his excuse for the not reported stolen vehicle did not add up as stated by the police in the report. To wait until August to decide you would now renege on your agreement and tell my son to go get the vehicle you left in another county after stating it would be fixed or totaled which your company is responsible for because you insured vehicle hit it and the storage owners email states the same verbiage, which I am sending with this response. He said he was contacted by your company and asked to store vehicle until you determined if it was repairable or if total loss! The same thing we were told. This is dated August 22,2022. All that time we were in limbo and my son who had already missed work due to accident, but then lost employment due to a lack of transportation. We asking for fairness and accountability for the car. We went this route hoping to settle this a lot quicker than court which will cost time and money and we will seek all damages at that time instead of just the vehicle. For the holding of the vehicle as long as you did without keeping verbal agreement, is reason enough to make good in this situation. Ive enclosed the statement by the police officer on police report and the email from the storage owner both collaborating the fact that the insured was not honest about the vehicle, and story was impossible and ridiculous, and your statement of holding the vehicle for determination of total loss or repair that you had moved to ************. Thank you, CR
Sincerely,Initial Complaint
Date:02/03/2023
Type:Order 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 in a car accident on Dec 30 2022.The person who hit me, her insurance is supposed to contact me a while ago and send me the average cost of my vehicle so I can either get it fixed or replaced. I've been trying to contact them for a long time now to get answers. Ive only reached one person and they can't help me. It's now Feb 3rd 2023 and still no results. My case was given to a ************** on Jan 13 2023 and I haven't heard a word from her even after leaving messages to her and her manager.Business Response
Date: 02/13/2023
Good morning,
Please see our attached response for file 18957297.
Please advise if further assistance is required.
Thanks,
Regulatory ************************************************************************************ 35203
************
**************************************Initial Complaint
Date:02/03/2023
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.
Our home was purchased November 2019. may 2022, my mom opened a claim for damages done to our roof as we live in a highly windy area and parts of roof were now exposed having lost shingles due to excessive winds and rain. Kemper sent out a check for $1270 dollars based off someone they sent , whom we never saw or met at our residence. I took over handling the claim for my mom as she was having issues with rep. assigned and I am listed as an owner of the home. Immediately, had issues with the rep. assigned, but attempted to work with her. Requested if they could refer me to any roofers already approved that worked in my area and was told they offered no such help. Once I found one, I had them inspect roof damages.Roofer informed me that there was at least 4 different types of shingles, showing different areas of patch work done to the roof, with fiberglass already coming thur, roof frame needed replacement, and although we dont use satellite, a satellite was on the roof and had improperly installed into the roof, also adding damage to the roof. Luckily, we had no internal water damage yet. The roofer recommended a new roof replacement this estimate was sent to the rep for Kemper, by the name of *****************************, who informed me that review would take a few weeks. I waited for 8 weeks then called to check status of the claim and was irate to find that the rep. was claiming I never sent estimate . When I asked why she couldnt have called to inform me, the client, I was told it wasnt her job to get my roof fixed and she figured I was just trying to get a new roof! Obviously upset for reps lack of duty and disrespect, I requested a new rep. although not disrespectful, in the end ***************** also was not helpful. Have sent over at least 4 different modified estimates based on work approved by insurance for our roof damage as $1270 sent along with deductible, wont even cover front replacement of roof, but rep, only wishes to close claim and keeps denying, without solution.Business Response
Date: 02/10/2023
Good afternoon,
Please see our attached response for 19328741.
Please advise if further assistance is required.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************Initial Complaint
Date:02/03/2023
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 have been going back and forth with this company and they said they would fix it but nothing has changed on my insurance record. they marked me at fault for a rear end accident while my car was in park in an underground valetBusiness Response
Date: 04/11/2023
Attached, please find the submitted response letter for this complaint.Initial Complaint
Date:02/02/2023
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.
Claim #***********/I was in an accident with an at fault Kemper customer on Oct 11, 22. ****************** for the 1st estimate was provided so that I could start the repairs to my car. I needed a rental car after leaving multiple ************ I finally spoke to the Adjuster *********************** who told me I would have to cover the cost first & then reimburse me. I dropped off the car 11/14/22. I provided invoices to ***** every week because it had to be approved. The first weeks rental was paid right away. After that, they were unresponsive. After the repair shop provided the 1st supplemental to Kemper. On 11/28 their Appraiser ***************** sent back w/questions on shop ************* I requested his Supervisor, *************** to call us to discuss & he never did. ***************** also stated that the claim did not show being approved in their system & could not move forward with payment. ***** had already told me the claim was approved & I had received 1 payment. ***************** then called the repair shop to stop repairs which added more delays. I left mult. messages for *********** supervisor ******************************* for an explanation w/no response. 2 weeks passed when *************** calls. At this point ***** just said payment for the 2nd estimate was sent to the shop & was sending me a check for 2 more weeks for rental car. She had me send her the most recent invoice that ******* never received payment. After providing detailed info of lack of ***************** done by ***************** to cause delays of repairs to ***************, they knowledge fault of telling the shop to stop repairs. More damage was found & *************************************, the appraiser reviews & approves. At that point I was going into the second month with a rental ************** sent to *************** w/no replies. We had to even cc their upper management multiple times. *************** finally replies that they will only pay $1350.32 to close the claim. The balance of unpaid rental car is $2823.37. Why do I have to pay for their error that caused delaysBusiness Response
Date: 02/08/2023
Good afternoon,
Please see our attached response for file 18934818.
Please advise if further assistance is required.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************Customer Answer
Date: 02/11/2023
Complaint: 18934818
I am rejecting this response because: Because of Kempers error and lack of response caused a trickle effect that goes beyond what they deemed only a 17 day delay. The cost *** of gone pass Kemper clients policy coverage but Kemper should be responsible for the full difference for their error. It wasnt their client that called our repair ************ repairs, it was their employee. We are now approaching 4 months since the accident. It has mentally, emotionally and financially caused me issues and Im just requesting for Kemper to take responsibility to their mistake and make me whole.
Sincerely,
Champhang *******Business Response
Date: 02/20/2023
Please see the attached follow up response for file ********.Customer Answer
Date: 02/27/2023
Complaint: 18934818
I am rejecting this response because: Kemper is minimizing their error and how it financially, mentally affected us along with the time frame on completing the repairs to our vehicle. They seem to have a history of it from reading other peoples experiences dealing with this company. I will be requesting the names of those who were involved in the decision that 17 days is all they delayed on the repairs. They are trying to put blame on the repair shop now for delays.
Sincerely,
Champhang *******Initial Complaint
Date:02/01/2023
Type:Service or Repair 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.
I filed a claim back in November 2022 and immediately submitted all the required documentation via email. I was assigned a claim number and requested to send the needed documents and invoice which I immediately did. I have spent the past 3 months following up via phone and email only to be ignored with no response whatsoever. Then I received a letter in the mail stating that Kemper did not receive the documentation and therefore closing the claim. Yet again it was sent and they did receive it.I have continued to call and leave messages over and over and further email for follow up still with absolutely no response from the Kemper Claims handler. Kemper has ignored **************** law says that insurance policyholders are entitled to prompt and timely communications from the insurance company further there was no response after 15 calendar days to issue an initial response after receiving a claim.Business Response
Date: 02/08/2023
Good afternoon,
Please see our attached response for file 18967080.
Please advise if further assistance is needed.
Thanks,
Regulatory Administration
2201 ********************************************************************
************
***************************************************************
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