Complaints

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

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  Transformco

  5407 Trillium Blvd Ste B120 Hoffman Estates, IL 60192-3413

  
• 

  Transformco

  17550 Halsted St Homewood, IL 60430-2006

  
• 

  Transformco

  1235 Worcester St Natick, MA 01760-1512

• 

  Transformco

  2306 N Salisbury Blvd (WICOMICO) Salisbury, MD 21801

• 

  Transformco

  200 Kent Lndg (QUEEN ANNE'S) Stevensville, MD 21666

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.

• Initial Complaint

  Date:06/09/2025

  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.

  Vendor Info Sears Home Services ************ Account Info ***** ******** ************ ************************ 1/17/25 - We called Sears Home Services (Sears H S) on to have our ** washer and dryer combo repaired. We were charged a total of $501.40. The claim was outsourced to A&E Home Services. End of January/ 2025 - A technician came out to the house to inspect the unit and ordered a part to be shipped to our house. 2/5/25 - Once the part arrived the tech came back out to install. When she installed the new part the unit still did not work and we were advised that we should look at replacing the unit. Tech advised that they were returning the new part that didn't work and that we would be refunded for the service call and the part but would be responsible for the diagnostic fee of $136.74. The tech said the balance of $364.66 would be credited to our credit card within 14 business days.3/7/25 - Called Sears H S and was told that the claim had not been processed and they were sending to their billing department for follow up. They said we should get an email within 14 days. 4/8/25 - Called Sears H S to follow up and spoke to Princess. She said it still had not been processed and she was escalating the claim and sending to the billing department. She said they would respond by email within 7 days.4/18/25 - Called Sears H S to follow up and spoke to ******** and was told the same thing as the call on 4/8/25.5/27/25 - Called Sears H S to follow up and spoke to ****** and was told the same the same thing as previous calls. 6/9/25 - Called Sears H S to follow up and spoke to *******. After pushing back he said he was sending the request to the management team. I asked to speak to a manager and was told that was not allowed and that this was my only option. He said I would hear back within 7 days.6/9/25 - I am not confident that I will hear back and filing complaint with BBB. It has been over 4 months since initial request for refund was filed.

  

  Business Response

  Date: 06/19/2025

  Please see the attached response.

  Customer Answer

  Date: 06/20/2025

   
  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:06/08/2025

  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.

  SEARS is scheduling home repair tech appointments and then NO SHOW, RESCHEDULING, AND REPEAT. Appears they NEVER intend to show up at your home. My father has purchased a Sears Home Services protection plan (covers all appliances, heat and AC units. His AC unit has not worked since Monday, May 12, 2025 (resides in ******* and he is 83 years old). SEARS has scheduled 4 separate appointments and everyone of those has been NO SHOWS. We have asked customer service *** to send message for the local repair tech (assuming there is one) to call us which customer service *** states they will, then no phone call. We have asked for the repair techs phone number and customer service *** will not give # to us. SEARS is still advertising/selling this home warranty package on their website!! DO not buy, you will not have a repair tech!!!Phone calls (see phone logs) were made to customer service and appointment status viewed in their portal, ensuring that a tech will be there shortly, etc. My father sits home waiting all day (sometimes outside on porch since it is cooler outside than inside) with no phone calls from the tech. We purchased a window unit (which cost out of pocket, of course) to ensure he could cool off and sleep at his home. But I digress. He PAID for service which he is NOT RECEIVING from Sears. I realize they are not doing very well in this economy but that does not give them the right to rip people off. You can visit the link here to view the Sears plans, which they are still advertising!!! Compare Home Warranty Plans from Sears- ********************************************************************************************************************************

  

  Business Response

  Date: 06/26/2025

  June 26, 2025
  
  
  Customer Relations
  ******* **********************
  **************************************************************
  ***********************
  
  
  Re: ****** *******
         File Number 23440617 
  
  Dear BBB Customer Relations:
  
  We have completed the investigation of Mr. ******** complaint regarding the problems he encountered with the ****** branded central ** repair.     
  
  Our records indicate that Mr. ******* has a Master Protection Agreement on his central ** unit.  Upon receiving his complete, we engaged the warranty team for assistance.   We received a response from the assisting warranty agent advising: I just called the member (June 17, 2025) and talked to Mr. ********* daughter. I apologized and empathized and offer a new service within the next ***** hrs. However they advised they already bought a new unit as they couldn't stay without the ** any longer. I advised I wont be able to reimburse them for the replacement of the unit and educated on T&C, advised the only option I have now is the cancellation/ refund of the unused Master Protection Agreement.Checked amount, there will be a refund of approx. $ 200. Daughter said she'd talk to member and contact us back. Provided name, email address and direct telephone number. An email was also sent to Mr. ******* on June 25, 2025,however, to date, we have not received a response.    Should he have any questions or need further assistance he may contact me at the email listed below.   Accordingly, we have closed our file.  
  We apologize for any problems or frustrations that Mr. ******* may have experienced with Sears.  We appreciate the opportunity to address this matter.  
  
  
  Sincerely,
  ***** Robinson        
  ********************************************************************************

• Initial Complaint

  Date:06/07/2025

  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.

  We called for dishwasher repair April 2025 through our Home Appliance Warranty policy Repairman came as scheduled, but stated that he was there on a "service call", not a warranty call and couldn't help us.We rescheduled for May 2. The reparman didn't show or call.We tried rescheduling but the system didn't accept our address 3 times.Finally it went through and we hope to have a service man come and fix our dishwasher.Our microwave key pad doesn't respond, so we tried to make a warranty repair order but the syste, does not accept our address as listed on our contract.EWe tried calling but the system hangs up on us 5 times.We're fed up ************ is in breach of contract and we're not taking this nonsense anymor.1) The system improperly logged a warranty job as a service call and wouldn't do the job 2) We spend a whole day waiting, taking of work to stay home to be tere and then they don't show up for the job 3) We tried to schedule a additional repair and the system is not working

  

  Business Response

  Date: 06/19/2025

  June 19, 2025
  
  Customer Relations
  ******* **********************
  ************************************************************
  *******, *******; 60611
  
  Re:  # ******** **** *****
  

  Dear BBB Customer Relations:
  
  We have completed the investigation of Mr. ****** complaint regarding the repairs on his dishwasher.
  
  Wed first like to note that Sears Home Services is just the repair provider that was contracted by *****; his warranty provider.  They were the ones that contracted for Sears Home Services to repair his dishwasher.  Any decisions about the terms and conditions of his warranty coverage, including requests for compensation or replacements, dissatisfaction with the availability of parts from that manufacturer, or the refund or waiving of any charges for the repair being provided, would need to be directed to the obligor of his warranty.  If he would like to have his dishwasher repaired, he would need to schedule through his warranty provider. We are unable to set up a new order; it has to be done by the warranty provider through their portal. Should Mr. ***** have any additional questions or concerns, he should direct them to the Obligor of his warranty, Armis. 
  

  We apologize to Mr. ***** and appreciate the opportunity to address this matter.  Please feel free to contact me if you have any further questions or concerns.
  
  **** ******
  Regulatory Complaints Specialist
  *********************;    

• Initial Complaint

  Date:06/07/2025

  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 hired Sears Home Services for a refrigerator repair in my home. After scheduling and paying for the repair, I decided to cancel the repair and buy a new refrigerator. The service man canceled the repair on his end, he said. I returned the part ordered for the repair and successfully got a refund. However, the fee paid to sears home services for the repair was never refunded. I have tried contacting sears home services many times by phone. The automated system never allows the option to speak with a representative. I dug into the website and found and email, which I sent the request to with no response in 24 hours. I just want a refund for the canceled repair call.

  

  Business Response

  Date: 07/03/2025

  July 3, 2025
  
  Customer Relations
  **********************
  *********************************************>*******, *******; 60611
  
  Re:  ******** ********* Meter
  
  Dear BBB Customer Relations:
  
  This letter will acknowledge receipt of the above referenced customers follow up complaint, which was referred to our office for response.

  This matter has been forwarded to the appropriate Sears unit for investigation to determine what monies, if any, is owed. Upon completion of our investigation, your office will receive a response to confirm resolution of the complaint. Please feel free to contact me if you have any further questions or concerns.

  We appreciate the opportunity to address this matter.  Please feel free to contact me if you have any further questions or concerns.
  
  Sincerely,
  Ema C
  Regulatory Specialist, Regulatory Complaints
  imx integrated member experience

  Customer Answer

  Date: 07/07/2025

   
  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,
  
  ********* Meter

• Initial Complaint

  Date:06/06/2025

  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 am a 70-year-old disabled senior that lives with my wife who is handicapped also. I have a warranty company called Choice home warranty. I have been paying my bills up-to-date. 10 days ago I called to have my air conditioner fixed because the blower stopped working. They made an appointment for June 5th to order a part. Nobody showed up on June 5. I have been living in a house over 100 for the last 10 days. My doctor said I Have to leave the home because I have a heart condition and living in that kind of heat is very bad for me and my wife. I have had two heat strokes in the last 10 days. Now I have to go to a hotel until they Come back on June 10 they said. All Im getting is to run around. Im extremely frustrated and Im getting ill. My wife has epilepsy and has daily seizures. We need a comfortable environment because of our disabilities. The company is not taking this serious and have just pushed it up to June 10. I cannot survive in this heat They said they will not pay for the hotel. Now I must get a lawyer. Im on a fixed income and have been going to food banks for Food. Ive already paid $148 and Im still left to die in this hot house. I feel helpless because I dont have the money to fight this and Im not well because of it. Im getting sicker by the day. My wife is already staying at her *************. I have 3 dogs and a rabbit to take care of in the house. They are also suffering. Does a disabled Senior have any rights when theres a breach of contract and Im being physically and mentally hurt because of it.?

  

  Business Response

  Date: 06/25/2025

  
  
  
  
  
  
  June 25, 2025
  
  
  
  Better Business Bureau
  Customer Relations
  ************************************************************
  *******,*******; 60611
  
  Reference File # ******** ******* ********
  
  
  Dear BBB Customer Relations:
  
  We have completed the investigation of Mr. ********* complaint regarding the problems he encountered when he requested service for his central AC unit under his home warranty coverage.
  
  Firstly,we apologize for any inconvenience or frustration that Mr. ******** may have experienced.  We would like to clarify that Sears ************ is just the repair provider that was contracted by ********************, the company that is the obligor of the home warranty on Mr.********* central AC.  Any decisions about the terms and conditions of his warranty coverage, including requests for compensation, dissatisfaction with the service, parts delay, or the refund or waiving of any charges for the service provided, would need to be directed to the obligor of his warranty.
  
  We reached out to our service management team and received confirmation that the quote for the service order was provided to Choice for review, but we did not receive approval to continue with the repair until recent. The delay was due to the fact that the unit was over 30 years old and the parts were not readily available. When we received approval, the technician ordered the parts on June 10th and service was scheduled for June 27th.  The part arrived on June 19th, and we were making arrangements to provide a sooner service date, but Mr. ******** refused to allow for our technician to return to his home.  We informed Choice Home Warranty of the service refusal, and they made arrangements with Mr. ******** to send a different service provider to complete the repair. With that being said, since we have addressed the issue brought forth in Mr. ********* complaint, we have closed our file.
  
  We apologize for any problems or frustrations that Mr. ******** may have experienced with Sears.  We do value our customers and strive for their complete satisfaction including a reasonable resolution of any complaints or problems whenever possible.  If you have any further questions, you may contact me at **************.
  
  Sincerely,
  ******* ******
  Regulatory Complaints Specialist
  
  
  

  Customer Answer

  Date: 06/26/2025

   
  Complaint: 23436263
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:06/06/2025

  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 am filing a complaint against Sears Home Services / Transformco for failure to repair my refrigerator and for repeated poor service since December 2024. My refrigerator stopped cooling at the end of December, and despite nearly a dozen technician visits, the issue remains unresolved as of June 6, 2025.Appointments have been extremely delayed, often scheduled weeks apart, and the problem has never been properly fixed. Each failed repair attempt has resulted in spoiled groceries. Appointment windows span 8 AM to 5 PM, requiring me to miss full days of work. Yet many appointments have been abruptly cancelledoften by automated text messages citing unforeseen circumstanceswasting my time and income.Communication has been inconsistent. Technicians give me different information than what customer service provides by phone. Technician stated a replacement unit or settlement dollar amount will result after 4 failed attempts to repair the unit. **************** stated otherwise. Customer support is unhelpful and repetitive, and efforts to escalate calls to supervisors end with hour-long hold times that usually disconnect. Ive received no resolution, accountability, or compensation.I have continued paying monthly for a service plan, yet have not received the promised level of service. I feel defrauded due to:Ongoing service plan charges with no resolution,Repeated grocery losses due to spoilage,Lost wages from missed workdays, and Ongoing inconvenience and frustration.I am requesting a full refund of service fees paid since December 2024, the $100 deductible for the initial reported claim, reimbursement for spoiled food and missed work, and a final resolution to the refrigerator issue, whether through effective repair or replacement.This situation has gone on for over six months, and I am seeking BBBs assistance to resolve it properly.

  

  Business Response

  Date: 07/03/2025

  BBB Customer Relations
  **********************
  ************************************************************
  *******, *******; 60611
  

  July 3, 2025
  

  Re: ***** ********
  Reference Number: 23436093
  
  Dear BBB Customer Relations,
  

  We have completed the investigation into Mr. ********* complaint and his dissatisfaction that the refrigerator is still not working.
  

  When we received the complaint, we forwarded it to the Sears Protect Home Warranty team for review and to assist Mr. ******** with his complaint. The team is currently reviewing the complaint,and once they are able, he will be contacted. Please be advised, the Better Business Bureau does not have the ability to provide a resolution or resolve his complaint. With this said, we ask to have this matter closed.
  

  We apologize for any problems or frustrations Mr. ******** may have experienced with Sears Home Services. We do value our customers and strive for their complete satisfaction, including a reasonable resolution of any complaints or problems whenever possible.
  
  
  
  Sincerely,
  
  ***** ******
  Regulatory Complaints Specialist
  Email: ******************************************************************************************

• Initial Complaint

  Date:06/06/2025

  Type:Product 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.

  On June 5, 2025, I scheduled a repair service with Sears Home Services for my Whirlpool dryer. The total cost of $628 was charged to my credit card the same day.Later that same day, I contacted Sears Home Services to cancel the repair. A customer service representative confirmed the cancellation and stated I would receive a full refund within 710 business days.Since then, I have followed up multiple times by phone and online. Each time, Im told the refund is processing or that the issue has been escalated, but as of June 6, 2025, I have not received the refund of $628. I have also not received any written confirmation, status update, or explanation for the ******** be clear, I canceled the service before any technician was dispatched or work performed. I was informed I should have only been charged the $128 diagnostic feenot the full repair cost. Charging the full amount and withholding the refund despite immediate cancellation is unacceptable and unreasonable.Ive spent several hours on the phone, been transferred between departments, and had to repeat the situation without resolution. No one has taken ownership of the issue or offered a clear path forward. This experience has caused unnecessary frustration and reflects poor service and internal process failures.I am requesting an immediate refund of $500 (the difference between the full charge and diagnostic fee), or a full refund of $628 if no diagnostic fee applies, along with written confirmation that this matter has been resolved. I can provide documentation of the charge, cancellation, and all communications upon request.

  

  Business Response

  Date: 07/09/2025

  Please see the attached response.

• Initial Complaint

  Date:06/06/2025

  Type:Billing 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.

  They charged ****** haven't sent me a invoice that tells me about the charges and I cannot get in touch with them

  

  Business Response

  Date: 06/09/2025

  ***********************************
  
  
  
     
  
  
  
  June 9, 2025
  
  Customer Relations
  **********************
  ************************************************************
  *******, *******;60611
  
  
  Complaint   # 23435504.  ********** *****
  
  
  Dear BBB Customer Relations, 
  
  We have completed the investigation of Ms. ****** complaint regarding her dissatisfaction with the technician not providing a copy of the receipt for repairs on her refrigerator.
  
  First, we would like to apologize to Ms. ***** for failing her expectations. We do not take these matters lightly and we sincerely regret any inconvenience he may have experienced as a result of this issue. 
  
  We had contacted our service unit, and requested that copy of the invoices to be emailed to Ms. ***** with the corrected information, the service unit replied that on June 9, 2025, the invoice was emailed to her.  With that being said, since we did provide Ms. ***** with her requested resolution, we have closed our file. 
  
  Again, we apologize for any problems or frustrations that Ms. ***** may have experienced with Sears. We do value our customers and strive for their complete satisfaction including a reasonable resolution of any complaints or problems whenever possible.  If you have any further questions, you may contact me directly via email at **************************************** .   
  
  
  Sincerely, 
  
  ****** ******
  Regulatory Complaints Specialist
  
  
  
  
  
  

• Initial Complaint

  Date:06/06/2025

  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 home appliance warranty with Sears and I had a washing machine break down over 3 months ago. I contacted Sears for repairs. So far 10 attempts have been made by Sears techs visits, by 5 different Sears technicians, to the house to do repairs but washer is still not working. I have stayed home 12 times (all day each time) Additionally, I have to go to the laundry mart every weekend to do washing. Anytime I contact Sears customer service they tell me they are waiting for technicians to advise the the washer is not fixable. The technicians tell me they are not allowed to state that the washer is not repairable. Order 0007084-12361951,

  

  Business Response

  Date: 06/12/2025

  June 12, 2025
  
  
  
  Customer Relations
  ******* **********************
  **************************************************************
  ***********************
  
  
  
  Re:  Nii- ******* ********
         File Number 23435500 
  
  
  
  Dear BBB Customer Relations:
  
  
  
  We have completed the investigation of Mr. ********* complaint regarding the delay she encountered in having her Kenmore branded washer repaired.    
  
  Our records indicate that Mr. ******** has a Sears Protect Home Warranty covering his washer.      Due to multiple repairs and parts installed,we made an exception and Mr. ******** was authorized to receive a replacement refrigerator valued at $999.99 on June 11, 2025.  He was emailed the replacement code to order his replacement online.   
  
  We apologize for any problems or frustrations that Mr. ******** may have experienced. We appreciate the opportunity to address this matter.    
  
  
  Sincerely,
  
  ***** ********
  Regulatory Complaints Specialist
  ********************************************************************************

• Initial Complaint

  Date:06/06/2025

  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 trying to have my refrigerator repaired for approximately 5 weeks. Transformco changed the scheduled appointment for the first 2 appointments. On the third appointment, a technician diagnosed the problem and ordered all the parts needed. An appointment was set for the 21st of May. Transformco missed the appointment and rescheduled for 3 June, and again and they missed their appointment. I have had a Compressor, motherboard board and a line dryer for over 3 weeks. The next appointment is 19 June. We were supposed to be put on a priority list. We have reached out so many times to no avail. We are desperate for your intervention. This is ridiculous.

  

  Business Response

  Date: 07/07/2025

  July 7, 2025
  
  
  BBB Customer Relations
  **********************
  **********************************************************
  *******, *******; 60611
  
  Re:  ******** ******* ******** Sr. ****************** BBB Customer Relations:
  
  
  We apologize for the delay in responding and have forwarded this matter to the unit. We are currently awaiting their response and will provide an update shortly. In the interim, we have noted Mr. ********* case and have closed our file, pending a response from the service team.
  
  We apologize again and appreciate the opportunity to address this matter.  Please feel free to contact me if you have any further questions or concerns.
  
  
  Sincerely,
  
  Regulatory Complaint Specialist