Extended Warranty Contract Service Companies
GuardsmanImportant information
- Customer Complaint:Before filing a complaint through the BBB, Guardsman encourages consumers to contact Sonya, Guardsman's designated resolution specialist. She can be reached at 877-525-7767 and will personally handle your inquiry. Thank you.
Complaints
This profile includes complaints for Guardsman's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 606 total complaints in the last 3 years.
- 127 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:02/13/2024
Type:Product 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 purchased a rug and 5 yr protection plan from Overstock, now Bed ************** Filed Guardsman claim ******** in September 2023 to seek reparation for rug damage. Initially Guardsman sent me a cleaning kit. That didn't resolve the issue. After sending photographs, they sent a technician to visit my home. Technician visited home on 10/21. Guardsman refused to provide me with the name of the technician who was to gain access to my home and they further refused to provide me with any receipt from the visit. The technician stated that was protocol and further refused to share any disposition guidance on my claim. This seems totally unprofessional and an unsafe business practices. Guardsman did however acknowledge the visit on their portal and affirmed their subcontracted agent was in my home. On December 6th I received an email indicating that they would offer me a settlement of either $130 or a replacement rug. The email indicated I had 30 days to respond. By that time I had already replaced my rug with an identical rug from the same merchant of original purchase. On December 8th I asked for reimbursement and noted that my purchase price of the identical rug was less than the original cost paid for it. I never received a response to my email. I initiated contact on January 2nd I contacted Bed ************* (formerly Overstock) seeking assistance. They were unable to help. I've since made several followup contacts to Guardsman via email and phone requesting the replacement rug that is due to me. They are not responding to my contact attempts. When I attempt to call during their advertised window of availability, I'm on hold excessively until 2 PM at which time they cut off my call and direct me to call back. They are not accessible to reach for any remediation efforts and will not respond to my email correspondence.Business Response
Date: 02/19/2024
Our records show that we spoke with you on 2/15/2024 and the purchase order to replace the rug was sent to the Retailer that same day. Any questions regarding the replacement should be directed the Retailer. If they have any questions they can contact our Retailer ***************Customer Answer
Date: 02/21/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********. Only when I reached out to BBB did Guardsman pursue remediation with me. At this time I am satisfied with the actions taken, however I'm still waiting for the replacement rug to arrive before I'm comfortable agreeing that this matter is fully resolved. It should be recognized by BBB that the customer service experience from interactions with Guardsman are especially poor.
Sincerely,
***************Initial Complaint
Date:02/09/2024
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.
This complaint is for Guardsman Warranty I have been trying to get a warranty repair for a dining room chair since July 2023. Claim number ********. I have submitted all receipts for purchase and they have delayed and stalled every step of the way. There east coast office stops receiving calls at 11am west cost time as well. I work out side the country and this has been an extremely difficult business to deal with. I would either like them to honor the 5 year warranty I purchased or refund the cost of the warranty they wont honor. I have attached a copy of the sales receipt and a picture of the damage I'm trying to get repaired. ************** Company phone number.Business Response
Date: 02/16/2024
Our records show that we spoke with you on 2/9/2024 and advised that the claim was not accepted for service. The terms of the protection plan state that Guardsman must receive the completed claim form and a copy of the sales receipt within *************************************** damage. The claim was submitted on 8/1/2023 and the sales receipt was not received in our office until 12/12/2023. This exceeds the 30- day timeframe and we are unable to service this request. The terms of the protection plan do not provide for a refund.
Initial Complaint
Date:02/09/2024
Type:Product 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 purchased the Guardsman Furniture Protection Plan for purchases made at a retailer who has since gone out of business. I phoned Guardsman on Oct 25, 2023 and since they could no longer offer service to me, they offered to refund the price I paid for the protection plan. They said I should received a refund no later than Nov 25, 2023. On Feb 1, **** I called Guardsman since I had not received the refund. They found my claim (#********) and the representative sent an email to their accounting department. She told me she should receive an email within 2 to 3 business days from them which she will then forward to me. I called again on Feb 9, ****; this same representative said she had not yet received an email from accounting. She called that group, but the person was OOO. She sent another email to them. She also connected me to the Escalation Voice Mail. I left a message with the issue (2/9/****). As an aside, the hold time to be connected every time I call Guardsman is extremely long (1 hour on 2/8/****). I have low hopes that I can get an answer from Guardsman myself, so I am submitting a BBB claim. There is never any paperwork or email from them, so I rely on the notes I took. I did inform the customer representative I would be doing this.Business Response
Date: 02/16/2024
We do apologize for the delay. Our records show that the following email was sent to you on 2/9/****. If you do not receive the check by 2/17/**** please call the service center on Tuesday 2/20/**** between the hours of 10:00am-2:00pm EST or respond to the email that was sent.
From: *********, Elba
Sent: Friday, February 9, **** 2:52 PM
To: ******************
Subject: GUARDSMAN# ********-************************
Hi,
We received an update from Accounting advising they check will be processed today you should expect the check within a week or from today.
Thank you,
Claim Specialist
Guardsman
PO BOX 88010
************, ** 4512
**************Customer Answer
Date: 02/18/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
Date:02/07/2024
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.
I am writing to formally file a complaint against Guardsman regarding the handling and rejection of a claim under their furniture protection plan. On 01/08/2024. I purchased a dining room set, which included a Guardsman protection plan, from The Exchange with the understanding that this plan would cover accidental damage.Unfortunately, the legs of several chairs have become loose, a direct result of my toddler jumping on them and the chairs scraping against the floor. Believing in the assurances provided by the Guardsman protection plan, I filed a claim to have the chair legs repaired, considering these incidents to be accidental and thus covered under the plan.To my dismay, Guardsman rejected my claim. The reason provided for the rejection was not satisfactorily explained and appears to disregard the nature of "accidental damage" as outlined in their protection plan. This response is both disappointing and frustrating, as the circumstances of the damage fall squarely within what any reasonable person would consider accidental.The rejection of this claim not only leaves me with damaged furniture that I believed would be protected but also questions the integrity and value of purchasing such a protection plan. It is concerning that Guardsman would so easily dismiss a legitimate claim, which undermines the trust consumers place in their products and services.I kindly request the Better Business Bureau's assistance in resolving this matter. My objective is to have Guardsman honor their protection plan by either repairing the damaged chair legs or providing a suitable alternative resolution as per the terms of the agreement I entered into at the time of purchase.Thank you for your attention to this matter. I am looking forward to your support in reaching a fair and just resolution.Business Response
Date: 02/09/2024
The Guardsman protection plan is not an all- inclusive protection plan. The protection plan has a very specific list of accidental damages that are covered. The claim form states the damage is from "Attempting to move chair caused legs to loosen". Loose joints is not listed under the "what is covered" section of the plan, this is specifically listed under the "what is not covered" section of the plan, 7.4.1. We are unable to service this request.Initial Complaint
Date:02/05/2024
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.
I purchased an Elite protection plan for $299 on a dining room set for $750 in 2021. Unaware this plan only covered accidental damage. I was not made aware this meant it wouldnt cover breakage. This was the 3rd policy I purchased and the 1st time I tried to use. I was told they do not cover legs on chairs that were falling off because the screws striped. Also they were refusing to cover scratches on table and chair, said I didnt report them in initial claim. I was told I had to fill out claim form online, and a submit a letter. As an older female who is not commuter literate I feel it is designed to take advantage of older people, it only gives you 30 days to get information in after it is reported. So, I had someone to fill out form online. The person said that the list for cause of damage covers things like; wind, rain, hurricane etc. I was lead to believed it would cover ordinary household damage and furniture repairs. I didt know it was for perils and catastrophes. I dont understand why a furniture company (Compass) is selling this type of insurance. These thing are normally covered under household policy. It should be explained, this type of insurance is best suited for a home renter.Business Response
Date: 02/09/2024
The Guardsman protection plan is an accidental protection plan with a specific list of accidental damages that are covered. The plan does not cover damages caused by wind, rain, hurricane. The website simply asks what caused the damage and provides a list of options, if none of the items listed are what caused the damage then you choose none of the above. The most recent claim reported warping on a dining chair which is not covered under the plan. The terms of the protection plan do not provide for a refund of the plan.Initial Complaint
Date:02/04/2024
Type:Sales and Advertising 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 submitted warranty claims in December 2023 via the online service. The site gave me such trouble that I copied the date that I had to keep entering when the error took place. However instead of typing 12/1/2023, the last time I typed in 1/1/2023. Now mind you I know full well that any items reported more then 30 days in the past are outside the warranty timeframe. After submitting the claims I received the denials. It took me weeks to reach someone in the company due to their hours and my hours working. When I got through I was told there was nothing anyone could do regarding the mistype. I was later connected to an escalation line where I left a message. A week or so later I called for an update. They explained someone called.me but my phone kept picking up and hanging up on them. Which sounds odd as I either let my phone go to voicemail or pick up. This time I was also informed a supervisor had denied my claim, no other options. I asked to speak to a supervisor and was told there was not one. Escalation team had made decision and no other option. After basically being informed I had no options and it was done. I finally just asked to leave another voice.mail on the escalation line. While this was done it was not without agent reminding me I had already this and this time they MAY not call me; as claim was already denied. Being a supervisor in a call center myself, I'm beyond disgusted with the lack of customer care, inability to provide professional service and follow through. I'm only looking for the warranties I paid for you to be honored. All pictures I sent as proof of claims contain data showing they were taken in December 2023. It seems more professional to confirm dates are accurate on claims given the extreme impact they have. I've still failed to receive a return call or had an opportunity to speak with a leader. This is not how you treat customers or retain loyal business.Business Response
Date: 02/07/2024
All claims are processed based on the information provided on the claim form and we can't alter this information after the fact. Before a claim can be submitted the following must be verified:
If the Claim information is correct, please validate the information by confirming the following:
I understand my claim will be processed only if both this claim form and all required documentation have been received by Guardsman in the mail within 30 days from when I originally reported the stain/damage.
I hereby certify the information I have submitted is, to the best of my knowledge, true and complete. I understand that the submission of false information for the purpose of obtaining service may result in the denial of my claim.
There were two calls placed on 1/25/2024 and both times there was either no response after the Supervisor provided her name or she was hung up on. There was another call placed on 2/5/24 and at that time a voice mail was left advising the denial has been upheld. In addition to the timeframe to report the damages not being met, unknown stains and fading/discoloration is not covered under the plan. We are unable to service these requests.Customer Answer
Date: 02/23/2024
Response went into spam. All calls I received I was unable to answer due to being at work. As mentioned there was an error in the date entered. I was well aware of the 30 day reporting period. I'm not looking for new furniture, just a few repairs to the damages that fall under the agreement. At this point I'm against purchasing any further items that would come with a guardsmen warranty due to this experience.
Customer Answer
Date: 02/26/2024
Complaint: 21245639
I am rejecting this response because: Date Sent: 2/23/2024 8:35:36 PMResponse went into spam. All calls I received I was unable to answer due to being at work. As mentioned there was an error in the date entered. I was well aware of the 30 day reporting period. I'm not looking for new furniture, just a few repairs to the damages that fall under the agreement. At this point I'm against purchasing any further items that would come with a guardsmen warranty due to this experience.
Sincerely,
*****************Business Response
Date: 02/27/2024
We have no additional information to provide. The claims have been reviewed multiple times and we are unable to service the requests based on plan terms.
Initial Complaint
Date:02/03/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The WORST company I have ever had the displeasure of dealing with. A Complete nightmare. The warranty was supposed to cover stain cats stained my bed and they refused to honor the warranty, The warranty was for 10 year .I submitted a claim in December 2023 and have heard NOTHING from this company. I have called numerous times to check the status for updates because they never did via call or email. Every representative I have spoken to (many) have been extremely rude and unhelpful. A representative who works with the processing department was ******* me off the phone, states I received an email from guardsman I was scrolling through my emails to confirm and there was no such email. The only information, if I get information, is from me calling numerous times with NO resolution.Business Response
Date: 02/05/2024
Our records show that we have not received a claim for cat urine. On the claim form for the description it states fading/discoloration. for caused by the claim from states "the mattress was damaged to due covering lose and stained and could not be removed for cleaning." Fading/discoloration and unknown stains are not covered under the protection plan. In addition the photos received show there is an accumulation of stains across the mattress which is also not covered under the protection plan. We are unable to service this request. The email regarding the outcome of the claim was sent at 1:14 pm on 12/15/2023 to *******************. The email would be from a "do not reply" email from amyntagroup.com.
7. What is Not Covered7.
7.3. Any stain that is not specifically listed under Section 6, "What is Covered."
7.4. Any stain of unknown origin.
7.5.2 The buildup of stains or soil that accumulates over time from repeated use, rather than from a particular occurrence. This includes, but is not limited
to, stains from perspiration, hair oil, or body oil.Initial Complaint
Date:02/02/2024
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.
We purchased a couch in May of 2022 and a 5 year GOLD Guardsman policy with it. We filed a claim in summer of 2023 and it took 3 months to even get someone to deny the claim. They claimed that it wasnt from accidental damage but from repeated use. The trampoline frame broke from and impact on it not from repeated use. And there is a stain on one cushion they state is an accumulation of stains, but it has 7 cushions and the stain is only one one of them from a spill we couldnt get cleaned up.Business Response
Date: 02/05/2024
The technician report shows that there is no frame broken, the seat decking has torn away from the front rail. The claim form states that this is from "normal use, just sitting down and getting up off the loveseat." This damage is not something covered under the protection plan. The technician photos and report also show there is an accumulation of stains on the cushion, which is also not covered under the protection plan. These issues are listed under the What is Not Covered section of the protection plan. We are unable to service this request.Customer Answer
Date: 02/05/2024
Complaint: 21240022
I am rejecting this response because:I didnt know how to fill out the form repair and filled it out incorrectly. It broke on impact from sitting on it, which shouldnt happen in just one spot.
Additionally, how is there an accumulation of stains on one cushion and not the entire couch. Its one cushion out of 7. Sometimes was spilled that we cant get up and its a protection plan against accidents.
Sincerely,
************************************************Business Response
Date: 02/21/2024
Your claim form does state the damage happened from sitting on it. You should be able to sit on your furniture without the furniture being damaged. The technician photos show there is an accumulation of stains and soiling on the seat cushion. We are unable to service this requestInitial Complaint
Date:02/02/2024
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 have called Guardsman almost daily with over an hour to two hours of no one picking up the phone. The one time after waiting 2 hours someone picked phone up to only transfer me and once again after an hour no one answers. I am sitting on manufactor 12 plus hours on hold now with no ones help. I put in a service request for damaged couch. I orignally filled claim in Aug 2023. At first was told my claim was on hold due to not having pictures, sent them in was told it was manufactor defect, which I know for a fact it was not. Guardsman sent a technician out November 4,2023 and technician confirmed they could not fix repair satisfactory and was not manufacturing defect. Received email from Guradman Nov 8,2023 that I would here back within ***** days on resolution and still have heard nothing. I am over sending emails that not get response back and over hours and hours on his. Why pay all this money for warranty to just get ignored?Business Response
Date: 02/07/2024
We do apologize for the long hold times. The technician was sent to the home in error. The claim is not accepted for service. An email was sent on 8/6/2023 requesting additional information and photos. The additional information and photos needed to be received by Guardsman within 15 days of the mail being sent. The information requested was not provided until 10/20/2023. This exceeded the 15 days and the claim is not eligible for service.
From: Guardsman NMI Follow Up
Sent: Sunday, August 6, 2023 5:30 PM
To: ************************
Subject: Service Request Number: 12365363
Service Request Number: 12365363
DEAR ******,
We have reviewed the service request referred to above. To ensure accurate processing, please respond to this email with answers to the following questions and/or any requested documents.
What damage is being reported?
Please upload an overall photo of each unit of furniture and a clear photo of each stained/damaged area to our website as described below.
1.Go to www.guardsman.com
2.Click on Consumers at the top of the page.
3.Click on Submit a claim
4.Click on add photos
5.Enter your last name, zip code, and phone number or service agreement number
6.Click on add photos
7.Upload an overall photo of each unit of furniture and a clear photo of each stained/damaged area.
"Stains on upholstered furniture: Along with the overall photo, take a clear photo of each stained cushion, so the entire cushion is visible from edge to edge.
Tabletops: Looking down at the tabletop (cleared of all personal items), take a clear photo of the entire top. This can be broken into two photos if the top is too large.
8-If you are unable to upload the photos to the website, you can reply to this email and attach the photos. Please be sure to send the photos as an attachment and not in the body of the email.
If you have any questions or would prefer to give your answers verbally, call ************** Monday-Tuesday between the hours of 9:00-5:30 Eastern Time. Be sure to respond via either email or phone within 15 days, or your claim will be closed and ineligible for processing.
Thank you for choosing Guardsman.
Sincerely,
Guardsman Service CenterCustomer Answer
Date: 02/12/2024
Complaint: 21237718
I am rejecting this response because:I was told when I filed the claim, I didnt need pictures actually. When I called wondering about not hearing back for awhile then i was told I was missing pictures. Why would I check for emails in my spam folder from Guardsman to send pictures when I was told when filing claim I did not need them. I called in and was tols to send them in which I did right away.
To tell me a technician was sent out in error is a horrible lie on Giardsman end, I was sent an email and was called to schedule an appt with a company that was sent out by Guardsman. So you are telling me an error email was sent, an error setting up an appointment was an error, then an email saying guardsman would contact me in 45 days, was an error? Was there an error that no one contacted me back? 2 hour wait on phone several times with no answer an error? Over
Guardsman shame on you for not following through on anything yet want customers who pay for a warranty on a purchase to stay on hold for hours eachday(no one answers) and email back with no responses from guardsman.
Hypercrits you are!!!!! IGuatdsman should make right, I dont care about your errors! Make this right! You have wasted my money and time and that is so wrong! Say one thing to customers yet mean another!
Sincerely,
***************************Business Response
Date: 02/21/2024
Photos are not required to initiate a claim. When the claim is being processed that is when photos will be requested if needed. Again, we do apologize for the long hold times we are experiencing an unusually high volume of claims which has led to longer than normal hold times. We do apologize for the error that we made in sending the technician, however, we are unable to service this request based on plan terms. At this point as a courtesy we can offer to refund the price you paid for the protection plan. This refund would end the protection plan on the sofa. If you would like us to process the refund please email a copy of the itemized sales receipt that shows the price you paid for the plan to ****************************************************************Customer Answer
Date: 03/01/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
Date:02/01/2024
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.
Guardsman Furniture has not lived up to the warranty that was purchase have reached out numerous time since 2021 and that have yet warranty the product that was purchaseBusiness Response
Date: 02/07/2024
Our records show that an email requesting a copy of the itemized sales receipt was sent on 8/9/2022. We spoke with you again on 11/2/2023 and advised the sales receipt was needed. We have not received the sales receipt and the claim has been closed. The terms of the protection plan state, "Guardsman must receive the following within thirty (30) days of when You report the stain or damage to Us: You must properly complete, sign, and mail the
claim form (from paragraph 2.2.) to Guardsman along with a copy of the sales receipt showing purchase of both the Plan and the covered Furniture, a copy of
this Plan, and photos or other documentation that We may request to show the stain or damage for which You are making a claim. " We are unable to service this request.
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