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Business Profile

Bank

TD Bank

This business is NOT BBB Accredited.

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Complaints

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

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TD Bank has 1387 locations, listed below.

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    Customer Complaints Summary

    • 1,863 total complaints in the last 3 years.
    • 701 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/19/2022

      Type:Customer Service 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 gift card from TD Bank and they decided to randomly close my card. I have significant money left on the card. I called customer service and they advised to speak to dispute department. I got transferred to dispute and they said it was the fraud department that I needed to speak to. Transferred to fraud and they told me it was customer service I needed to speak to. Everyone passes me off to someone else. Nobody wants to do their job. Very inexcusable and unprofessional. I spoke to customer service, they told me 2 week ago they sent the escalation team information to unlock the card or provide new card because there are still significant amount of funds on there. I called back 1 week ago and spoke to someone else and they told me I could go into bank and get replacement card because they don't reship cards. I went into local branch for over 1 hour and spoke to branch manager. He called customer service and they told him they need to unfreeze the funds before he can provide new card and to wait 3 business days. Its been 5 business days and before wasting my time going into the branch I decided to call customer service. Spoke to highest manager ********* and she informed me the escalation team has not responded and still needs time. This is absolutely unacceptable. I have refunds still coming to my card from an online order and ******* has no active card to refund my money to! TD BANK IS BECOMING "******** MOST INCONVENIENT BANK" they need to change their slogan. This is a consumer protection/consumer rights issue!

      Business Response

      Date: 10/28/2022

      Good day. Please see the attached letter. Thank you
    • Initial Complaint

      Date:10/18/2022

      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.
      I received a surprising phone call from TD Bank on 8/5/22 telling me that I had not paid my July mortgage payment of $490.74, and when I told her I did pay it, she got really nasty so I told her I was going to call the mortgage department myself. I was afraid this was a scam based on the way she spoke to me, and also hearing on the news that we elderly (I'm 74) should be very careful of these calls. I called the mortgage department and a very nice man (I think *****) looked everything up and said he could see what happened. I apparently made a typo (I have cataracts) and paid only $464.20, but the bank called my payment a "miscellaneous deposit" and did not apply it to my mortgage. That same day (8/5) I paid the $26.54 and the August payment, and he verified that he could see that it was done. I explained that I was looking to purchase a home and because the bank had already reported it to the credit bureaus I knew this would prevent me from getting a pre-qualification letter. He promised me that it would be cleared by September 1st. But, the only thing that they did was change my status to "current" but did not remove the July *******************, which prevented me from making an offer on the new property. A couple weeks later I received a call from a TD Ombudsman, and again I was promised that they would help, then nothing. I finally called the branch manager in ******, ** (***************************) begging for help. She told me that they couldn't do anything to notify the credit bureaus about the unintentional error (their words), and that I was the only one who could work with the bureaus despite the fact that they made the posting error AND did not notify me until over a month after it happened. I am so upset, and completely overwhelmed. My credit rating was 780 before this and it is now 695 and after 3 months it has not been repaired. Can you please help me? Thank you.

      Business Response

      Date: 10/28/2022

      Good day. Please see the attached letter. Thank you

      Customer Answer

      Date: 10/28/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *****

       

       

      Customer Answer

      Date: 10/31/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      When the bank called me (after the 30 days), they told me that they had sent a letter to me regarding the short pay of $26.00.  I told them at that point that I had not received a letter.  And now I can see why, according to their response to this claim, a copy of the letter was included which clearly shows that they did not send it to me.  It was sent to my rental property, and either the tenant didn't do any thing with it, or the post office knew that I was not the resident and couldn't forward it.  I don't see how I can be held responsible for a small typo when paying the bill when the bank couldn't even send it to the correct address.  All my other mail from TD Bank comes to the correct address, **************************************************************** 01103.  It is the only issue that I have ever had and feel like they should withdraw the complaint to the bureaus.  I have been a customer since they opened in ******, many decades ago and have NEVER missed a payment and I am being penalized for $26 without ever receiving a notification.

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *****

       

       

      Business Response

      Date: 11/10/2022

      Good day. Please see the attached letter. Thank you
    • Initial Complaint

      Date:10/18/2022

      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.
      In April 2022, I logged into my TD Bank **** Credit Card online account. I saw there was charges, however I had not received a bill. I paid the charges minus any late fees, or interest charges, as the account was set on Paperless Billing, which I did not authorize. After making the payment, I called TD Bank to advise I what happen, and that I will not pay the interest or late fees as I did not authorize paperless billing. I was told it would be resolved. Of the last 7 months, I have spoke with countless people to resolve this issue, with promises it would be resolved, but it hasn't been, fully. And I keep getting collections calls, and interest charges. On about October 11th, I finally, after over 2 hours on the phone, found someone at TD Bank ***************** who was able to assist. ********* was able to give me a partial credit, and escalated the remaining to be credited. I have not received a credit for the remaining amount, I continue to receive collections calls, and was charged interest. I have sent messages via TD Banks online messaging system, but have not heard back. I cannot devote anymore time to this. Pleas help.

      Business Response

      Date: 10/20/2022

      Good day. Please see the attached letter. Thank you. 

      Customer Answer

      Date: 10/21/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      1) I did not put my account on paperless billing. 2) When I made the payment in April I was assured it would be resolved. I've spoken with dozens of people in the last 7 months, some who said they would resolve the issue and its not been done. I have spent hours and hours on the phone. I've been treated with contempt when merely asking whether the person calling from TD was in **************** or Collections. I have sought, on numerous occasions, corporate contact information, and no one could provide it. I had to call my local TD Bank (which doesn't handle Credit Cards), to get any assistance. You have continued to charge me for the last 7 months, while I made good faith, no, beyond good faith efforts to resolve the issue. 

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *****

       

       

      Business Response

      Date: 11/02/2022

      Good day. Please see the attached letter. Thank you. 

      Customer Answer

      Date: 11/03/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ


      I have no power over how TD Bank keeps its records, nor do I have confidence in the accuracy of such records. I did not, I repeat, I did not sign up for paperless billing. It is a rule of mine that all such bills be sent by mail. Maybe TD Bank had a glitch. Maybe TD Bank was hacked. I do not know. I do know that I did not CHOOSE paperless billing. Furthermore, I have stated, as fact, that I have spoken to countless people over the last 8 months, including when payment was made. Some made promises the issue would be resolved, some just said, ok. I am very familiar with the job of Collections, and customer service. I also know that all it takes is a one or two employees to not do their job, and a customer is left being punished, unjustly.  I have gone well beyond a good faith effort to resolve this. TD Bank has continued to show itself as unconcerned with its customers. I had to finally call a local TD Bank, in Monroe **, to get any level of resolution. This should not be. I can't even get customer service without spending tons of time on the phone, because once you put in your number, which is required, it automatically transfers you to Collections. And if you ask a Collections rep to transfer you to ***************** they do, and the loop starts again, because your number is required, which once given, results in being transferred back to Collections. I have spent hours on the phone trying to resolve this.  TD Bank is in the position of power here. I have no authority, or means, to force TD Bank to do anything. I mean, I was supposed to receive a call back a day after I filed this BBB compliant, and never did. I can't even get them to call me. I can't even get anyone to provide me with corporate contact information. NO ONE could or would give me this. I clearly showed, by paying for the charges I made on the card, that I am a good faith customer. I even, when finally got a customer service supervisor, who issued the credits she could, made an $8 something payment, because she said that was what was left, unpaid in charges. If TD Bank was dealing in good faith with me, they would see there is ample evidence to support my claim, starting with the payment I made in April. 

      Regards,

      *****

       

       

    • Initial Complaint

      Date:10/18/2022

      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.
      A merchant has reported derogatory debt on my credit. After speaking with several customer service representatives and 2 local branches who told me that the debt in question was paid only to find out 4 months later that the original transactions had been initiated and returned by the merchant. I've been trying to get documentation other than a bank statement to further support that the merchant is the one who initiated the refund and therefore cannot come back 10 months later seeking those monies in addition to frivolous fees to no avail. I've been a customer for over 7 years and the level of customer service has been far from exceptional. I've been lied to, told that I would get a call back, local branches hardly answer the phone. I will definitely be closing my account with TD Bank.

      Business Response

      Date: 10/27/2022

      Good day. Please see the attached letter. Thank you
    • Initial Complaint

      Date:10/17/2022

      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 signed up for a bank account in April and they were promoting a $300 bonus. I met all the requirements. On October 7th and 11th I was promised that my bonus would be in the bank because it was 6 months since I opened the account. I still havent gotten my promised bonus. I spoke to someone who said I signed up the wrong way and they would put me on the exceptions list and I would get my bonus paid out on 10/14. Its now 10/15 I dont have a bonus in my account and TD bank keeps giving me the run around.

      Business Response

      Date: 10/27/2022

      Good day. Please see the attached letter. Thank you.
    • Initial Complaint

      Date:10/17/2022

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Have this complaint against TD Bank (Mor Furniture For Less) account # *******************. My payments are $176.00 due on the 15th of every month. I set up automatic payments through TD Banks website at WWW.myonlineaccount.net,for the 14th of every month. On June 17 2022 I got a call saying my payment didn't go through because I had put in wrong bank account number and that I needed to pay my bill, so I paid the bill. I called my Bank (The Golden One Credit Union) to see if everything was ok with my account they said yes. I told them that I had set up auto pay with TD Bank and they attempted to withdraw $176.00 but didn't go through, so my Bank had looked into it and said no withdraw transaction of any kind was attempted or that if any transaction was rejected it would of shown in their system. I instead set up auto pay with The Golden One to pay my TD Bank bill every 14th of every month. On June 27 ********************************************************************************* July 13 I got a call saying I owe $25.00 late fee for ***** so I paid the $25.00 and asked TD Bank was there anything else I needed to pay they said no my account was up to date I said ok. In July 19 I got a call saying I was late with my bill and needed to pay that right away I told TD Bank I was up to date and paid late fee of $25.00 on the 13th of July TD Bank said ok. July 26 I filed a Billing Dispute Form in TD Bank website and faxed to ************* til this day haven't heard anything about the Dispute Letter no phone calls just calls saying I'm late with my bill. I change the billing date to every 7 of every month to see if that will change. October 10 2022 got another call saying needed to pay my bill, my statement reads I owe $80.00 of late fees and went from $176.00 to $296.00, I told TD Bank my Bank The Golden One is sending the payment on the 14th of every month if they would just look in their system. I was never late with the payments is their system. Thank You.

      Business Response

      Date: 10/25/2022

      Good day. Please see the attached letter. Thank you

      Customer Answer

      Date: 10/25/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ
        I do not accept TD Banks response due to miss communication from TD Employee saying my Account was up to date when I was charge $25.00 back in July 13 2022. I been making the monthly payments through The Golden One Credit Union of $176.00. Today I got a call from *************************** from TD Bank saying I owe $300.00 late fee from August to October wow way out of hand now. TD Bank records all their phone calls I told ****** to have a manager or Supervisor look back on a call from July 13 2022 to solve this problem. I know TD Bank has a bad record for charging people late fees for not having the product or not explaining the cause of payments.  
      Regards, 

      ********

       

       

      Business Response

      Date: 11/01/2022

      Good day. Please see the attached letter. Thank you

      Customer Answer

      Date: 11/01/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ
      I spoke with **** the representative on 10/29/2022 on the phone, **** played part of the recorded phone call on July 13 2022 we listened to the phone recording and we both agreed the TD representative said if I only pay the $25.00 my account will be current and also told **** if he listen to all the call he was going to hear the TD Bank Rep say my account is up to date and that I also asked the Rep if there was anything else and the Reps said no. There was no other dollar amount  never mentioned in the phone call not the $40.00 TD Bank is now saying I owe. I also discuss with **** that the statement he was referring to the Rep only asked for $25.00 not $65.00, **** didn't answer my question all he said the statement was right. I told **** that every time TD Bank reps called they should explain to the customers,  why do they wait and don't ask for the right amount, that's ripping off the customer's just like they never told me or explained that I was being charged late fees every month, all they would say  I was late and they  haven't received the Monthly payment. I will tell them my Bank was paying it on the 14 of every Month and yet never explained that they were charging late fees. Today 11/1/2022 I received another call from TD Bank saying I owe $300.00 late charge when the statement read $80.00 that I'm disputing I talked to Supervisor ******* and explained to her the situation and why the late charges with no explanation from the TD ***** ****** said she was going to find out and call me on 10/29/2022 still waiting for her call today11/1/2022.  
      Regards,

      ********

       

       

    • Initial Complaint

      Date:10/16/2022

      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 opened a TD bank account online followed online, never received my 300 bucks for new customer checking account. Not sure why they didnt give it to me for, my account went negative and then closed and to collections

      Business Response

      Date: 10/26/2022

      Good day. Please see the attached letter. Thank you
    • Initial Complaint

      Date:10/15/2022

      Type:Customer Service 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.
      Letter Received from TD Bank 10/15/2022 identifying their response from a complaint sent into the BBB under ********. In their letter which involves too much personal information to share . TD Bank , has worked closely with the ******************** **************** to upset , blemish and attempt to get me to default on my mortgage for reasons other than normal business transactions and why Im always put on the phone with a local TD Representative " pretending " they are from ***** HQ. TD Bank has also created NEW terms that I did not agree to nor sign. There also seem to be a disparagement in the terms of the original loan . They identified mistakes they have made concerning money and money they and the *** say I owe them based on their own Escrow Analysis provided by TD Bank . The SOLE reason I am able to make payments NOW (sep / oct) online again is due to MY interaction with the BBB. They have for over year played financial shuffle and also continue to send letters from Auburn ***** one week , ************** the Next , ************ , ******* and other locations regarding the very same Mortgage . They claimed to have made grave errors repeatedly ( this actually was a plan of theirs to reshuffle the deck of cards , manipulate and assist others in ********* ************, ********* TD Banking institutions to attempt to default me intentionally and to assist / aid the ******************** for remarks made by me and my companies to the *** concerning their fraud in the Tax and ************************* Absolutely zero reference was made in this letter concerning a *********************** program I qualified for and due to the constant and complete grave mistakes they've made. I expect zero percent interest and a payment no more than $1200 per month ( including taxes ) and the loan reset to a new *********************************************************************** and if I do not speak up , who will . Unless they redo the loan with zero out of pocket its court.

      Business Response

      Date: 10/25/2022

      Good day. Please see the attached letter. Thank you. 
    • Initial Complaint

      Date:10/14/2022

      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.
      Goood evening, I am writing in regards to Fees being taken ot of my account ending in ****. I have contacted ****** service about reverseing overdraft, Intx tax fees and maintainance fee that were applied to my accoount. I have been sick and experiencing harships and these fee are really hurting me. I asked for them to be removed and they have not done so.

      Business Response

      Date: 10/24/2022

      Response attached 
    • Initial Complaint

      Date:10/14/2022

      Type:Sales and Advertising Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased a vehicle from *********************** ****** in **************, I live in ****** ******** The vehicle was purchased in 2019 Ive had numerous problems with getting the vehicle registered (still not registered to this day)Ive made payments for a year and half until I realized *********************** and Td bank are moreso trying to cover themselves and leaving this loan on my name.I stopped making payments because Td bank also doesnt have the title by now which is alarming. Everytime I call the bank to fully surrender the car and take a loss. They leave me on an endless hold, when I reach another rep they tell me the exact same thing when I explain to them that it just leaves me on an endless hold and hangs up, I have multiple screenshots and screen recording of me attempting many times. At this point Im stuck with the vehicle under my name I cant sell it to a dealership. I dont have an address to surrender, TD bank and *********************** arent reaching out basically leaving this car in dead water?Im desperately trying to solve this but they both businesses keep giving me the runaround..I get the payments are still my responsibility but its written clearly in the contract the vehicle has to be registered in 60 days. How am I suppose to make payments on a car I cant drive? Taxes on it havent even been collected which *********************** have been holding about 3k worth.Please reach out as Im needing help, I cant find an attorney to step on because both business have been keeping all contracts away from me to present to them.

      Business Response

      Date: 10/26/2022

      Good day. Please see the attached interim letter. This matter is currently being researched and a full response will be provided once complete. Thank you

      Customer Answer

      Date: 10/26/2022

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      Charlie

       

       

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