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Business Profile

Energy Service Company

PALMco

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Energy Service Company.

This business has 1 alert

Complaints

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

Find a Location

PALMco has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • PALMco

      8751 18th Ave Brooklyn, NY 11214-4605

    • PALMco

      10000 Lincoln Dr E Ste 201 Marlton, NJ 08053-3105

    • PALMco

      1 Greentree Ctr Marlton, NJ 08053-3105

    • INDRA Energy

      1515 Market Street Suite 1200 Philadelphia, PA 19102

    Customer Complaints Summary

    • 121 total complaints in the last 3 years.
    • 56 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/27/2024

      Type:Product 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.
      The Indra Energy company transferred my ********** *********** account to their company with no authorization from me and they charge me twice price compare by the **** price. Also, I recently received a letter from Jersey Central Power & light that Indra Energy company transferred my electricity power account from the **** to Indra Energy with no authorization from me.

      Business Response

      Date: 03/12/2024

      Indra Energy (Indra or the Company) appreciates ******************************** (the Consumer) for bringing this matter to our attention. We researched our records and confirmed the natural gas account was enrolled with Indra on June 9, 2023, and again on February 6, 2024, along with the electric account.

      ****************** never contacted us regarding his energy accounts or any concerns. On February 13, 2024, we received a cancellation notification from the Consumers utility that,effective April 3, 2024, we would no longer be the supplier to the Consumers natural gas account. On the same day, Indra submitted a cancellation request to the utility for the electric account and, as a result, the pending electric account enrollment was rescinded; therefore, the electric account will not receive service from, nor will it be billed by the Company. ****************** will not be charged a cancellation fee for either commodity.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team. Additionally, to prevent future contact with the ******** *** ******** telephone number and service address have been added to our internal Do-Not-Call and Do-Not-Knock lists. The Consumers account numbers have also been added to our internal Do-Not-Enroll list.

      On March 12, 2024, a Compliance representative attempted to speak with the Consumer. A detailed voicemail message was left advising ***************** on the above-mentioned details and to call us in order to discuss a resolution.
      Indra makes every effort to review and appropriately resolve consumer complaints. Please feel free to contact us at ************************************* with any questions or concerns.

      Customer Answer

      Date: 03/14/2024

      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 and the matter has been resolved.

      Sincerely,

      *****************************



       

    • Initial Complaint

      Date:02/26/2024

      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.
      Indra Energy/PALMco Energy has misleadingly switched our information from **** to their accounts/company. Without our proper agreeance, they have charged us 3x the rates of natural gas for our home, causing our bill to triple in price. We DEMAND a full refund. **** has been excellent in working with us and has already taken INDRA/PALMCO Energy OFF our bill. **** has stated this is a constant issue and Indra has been doing this to many customers. Again, they DID NOT have our permission to do this! They are the most misleading, shady company.

      Business Response

      Date: 03/11/2024

      In response to ************************* (the Customer), we researched our records and confirmed that contrary to the claims of slamming, ************** voluntarily authorized the enrollment of her electric account with ******************** (the Company) on November 9, 2022. She completed a valid Third-Party Verification (TPV) acknowledging consent to enroll her electric account into a variable rate plan with an introductory rate of $0.08900 per kWh and $0.51000 per therm, both for the first billing cycle, and both followed by a variable rate thereafter. The Enrollment Confirmation package containing the Terms of Service with key elements of the service offered by Indra Energy was sent to the customer.

      On February 24, 2024, ************** contacted our customer service department regarding her account enrollment. The representative reviewed the enrollment details with **************. On February 26,2024, Indra was notified by the ********* utility that, effective March 7,2024, we would no longer serve as the supplier to ************** natural gas account. Upon receipt of the ************** concerns, we immediately submitted a cancellation request to the utility which provided us with a service end date of March 28, 2024, for the ********* electric account. ************** will not be charged a cancellation fee for either commodity.

      On March 7, 2024, ************** again contacted our customer service department, at which time, the valid TPV recording was played for the Consumer. 


      Based on our review, we have determined that *** ****** energy accounts were enrolled with proper authority and charged for supply correctly in accordance with her agreement.Notwithstanding, on March 11, 2024, in a good-faith effort to resolve this matter, Indra contacted ************** in an attempt to discuss the above details.  A voice message was left advising the Consumer of Indrass resolution and to contact our office with any questions.

      Indra makes every effort to review and appropriately resolve consumer complaints. Please feel free to contact us at ************************************* with any questions or concerns.

    • Initial Complaint

      Date:02/16/2024

      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.
      PALMCO Energy NJ LLC DBA Indra Energy changed my electric and gas supply to them from JCPL and NJNG without my knowledge or authorization. I am the only person who lives at my address and the only one whose bill is in my name. If I did not get a letter in the mail I would have never known. Please let the company know I WILL NEVER switch to them and THEIR DECEPTIVE PRACTICES and they should pay for this deceptive practices

      Business Response

      Date: 02/29/2024

      In response to *** ******************** (the Consumer) complaint, we researched our records and confirmed that his electric and natural gas accounts were enrolled with Indra Energy (Indra or the Company) on January 31, 2024. Shortly thereafter, the pending enrollments on the accounts were rescinded; therefore, neither account will receive services, or charges from the Company, nor a cancellation fee.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team. Based on their response, the vendor associated with the enrollment was previously removed from marketing on Indras behalf for reasons unrelated to this complaint. Additionally, Indra has placed the Consumers phone number and service address on its internal Do-Not-Call and Do-Not-Knock lists. We have also placed the Consumers account numbers on the Companys internal Do-Not-Enroll list to prevent any future enrollments.

      On February 16, 2024, a Compliance representative left a detailed voicemail message for **************** along with our contact information.
      Indra makes every effort to appropriately review and resolve all consumer concerns. Please feel free to contact us at ************************************* with any questions.
    • Initial Complaint

      Date:02/14/2024

      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.
      Indra energy rep ****** my signature to switch my light and gas now my bill is over $1000

      Business Response

      Date: 02/28/2024

      Indra Energy (Indra or the Company) appreciates ********************************** (the Consumer) for bringing this matter to our attention. We researched our records and confirmed the electric and natural gas accounts were enrolled with Indra on September 21, 2023, into a fixed rate plan.

      Per her request on February 12, 2024, Indra submitted the cancellation to the utility, which provided service end-dates of March 18, 2024,and April 17, 2024, respectively. The Consumer will not be charged a cancellation fee for either commodity.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team. Based on their response, the vendor associated with the enrollment was previously removed from marketing on Indras behalf for reasons unrelated to this complaint.

      On February 28, 2024, a Compliance representative called ******************** in an attempt to discuss the above information and Indras resolution; however, there was no answer and no option to leave a voicemail message. When available, ******************** may contact us regarding the resolution.

      Indra makes every effort to review and appropriately resolve consumer complaints. Please feel free to contact us at ************************************* with any questions or concerns.
    • Initial Complaint

      Date:02/01/2024

      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.
      Our electric bill was switched over to this third party without authorization. I am a landlord, and the electric bill is bill to tenants. To many which the economy is tough. After trying to figure out why my electric bill just from $ 200 a month to $800 a month to $932 a month. It was found that Indra Energy switch our power source without permission. When I contact the company for an authorization on who authorized the change. They could not state who, then they tried to get my email address from me, when they didn't even have an email address or phone number on file. I asked for a supervisor which took me over 20 minutes to receive, I was unable to receive the name of who was in charge so that I can send a letter of demand from my attorney to correct my tenants bills.

      Business Response

      Date: 02/15/2024

      In response to *** **************** complaint on behalf of ********* ********** (the Consumer), we researched our records and confirmed the electric account was enrolled with Indra Energy (Indra or the Company) on June 15, 2023, into a variable rate plan. The account has since been cancelled and its last day with Indra was on February 9,2024. The Consumer was not charged a cancellation fee.

      Upon receipt of her complaint, we conducted an analysis of the ********* electric account, and it appears there was an increased usage reported to us by the utility, which in part resulted in higher invoices. For reference, during the November 2023 billing cycle, ********* ********** consumed ***** kWh, while ***** kWh, ***** kWh and ***** kWh were consumed during the December 2023 through February 2024 billing periods. Please be advised that Indra does not read any meters, as the utility handles all of the billing including customer meter-readings.

      Notwithstanding, on February 15, 2024, a Compliance representative reached out to *** *************** regarding her concerns, at which time she accepted Indras resolution and thanked us for the call.

      Indra makes every effort to review and appropriately resolve all consumer complaints. Please feel free to contact us at ************************************* with any questions or concerns.

      Customer Answer

      Date: 02/21/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I did not thank the business for my call. The acknowledge that the enrolled my property into their power supply without my consent. They have also not correctly refunded my tenants the amount due. I contacted the company with backup documents for the correct refund, with verification from *****. I will now have to contact an my attorney for proper resolution as these actions are against there consent judgement order that was issued by a Mercer County Judge.  

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      ********* **********




       

      Business Response

      Date: 03/07/2024

      Indra takes these matters seriously and understands *** ********* concerns. Indra has since spoken with ******************** regarding Indras resolution, who confirmed its receipt and accepted our efforts as satisfactory.

      We apologize for any inconvenience caused to the Consumer and appreciate the opportunity to resolve her concern. 
    • Initial Complaint

      Date:01/30/2024

      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.
      Indra Energy has illegally changed my supplier for energy and gas at both ***** and ***** against my knowledge and approval. When I received letters from both ***** and ***** stating that my supplier has been changed, I called Indra Energy who advised me that someone came to my door to obtain my approval for this change. That never happened.Last year exact same series of events happened at about this same time. I have kept records of all of this information, including notes on my phone calls with Indra, ***** and *****.Frustratingly, even though I call as soon as I find out, it takes all three of these companies to remove Indra from my gas and electric bills, even though I never approved of this change.

      Business Response

      Date: 02/13/2024

      In response to *** ***************************** (the Consumer) complaint, we researched our records and confirmed that the natural gas and electric accounts were enrolled with Indra Energy (Indra or the Company) on January 11, ****.

      Per her request on January 29, ****, Indra submitted the cancellation to the utility and, as a result, the pending natural gas enrollment was rescinded. The natural gas account will not receive any service of charges from Indra.  The Consumers utility also provided a service end-date of March 7, **** for the electric account. Please be advised that during this interaction, ********************** was provided with a cancellation confirmation code. Additionally, please note that Indra does not control the cancellation period or determine the service end-date.This is handled by the utility, which determines the service end-date based on a customers next applicable meter-read date.

      Our records confirm that ********************** will receive electric service from Indra for no more than one (1) billing cycle, during which time her supply rate with Indra will be below or equal to the utility rate for the time of service. The Consumer will not be charged a cancellation fee for either commodity.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team and vendor. Based on their response the agent associated with this enrollment was previously removed from marketing on behalf of Indra for reasons unrelated to this complaint. In addition, to prevent future contact with the Company, the Consumers address and phone number have been added to Indras Do-Not-Knock and Do-Not-Call list and her account numbers added to our internal Do Not Enroll list.

      On February 1, ****, a Compliance representative spoke with ********************** and discussed the information as presented above, at which time she thanked us for our attention to her concerns.

      Indra makes every effort to review and appropriately resolve all consumer complaints.Please do not hesitate to contact us at ************************************* with any questions or concerns.

      Customer Answer

      Date: 02/15/2024

      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 and the matter has been resolved.

      Sincerely,

      *************************************



       

    • Initial Complaint

      Date:01/29/2024

      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.
      Palmco Energy DBA Indra Energy fraudulantely tried to change my gas and electrical supplier to them from my current one. This was done without my knowledge and authorizations. This fraudulant act was avoided because the current supplier sends a letter but i only had 1 day left to resolve it. This is FRAUD and should be stopped.

      Business Response

      Date: 02/09/2024

      In response to ********************************** (the Consumer) complaint, we researched our records and confirmed that the electric and natural gas accounts were enrolled with Indra Energy (Indra or the Company) on January 17, ****. Indra confirms that the enrollments for both energy accounts were rescinded. As such, **************** will not receive services or charges from the Company nor be charged a cancellation fee.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team and vendor. Based on their response, the sales agent associated with the enrollment was previously removed from marketing on Indras behalf for reasons unrelated to this complaint. Therefore, we were,unfortunately, unable to interview the sales agent regarding *** ******* enrollment.

      Per his request, we have placed *** ******* phone number and address on Indras internal Do-Not-Call and Do-Not-Knock lists. We have also placed his account numbers on the Companys internal Do-Not-Enroll list to prevent any future enrollments.

      Indra apologizes for any inconvenience this matter may have caused ****************. Please feel free to contact us at ************************************* with any questions or concerns.
    • Initial Complaint

      Date:01/22/2024

      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.
      unauthorized switch to a different gas provider We have used NJNG for 20 years. Recently we received an outrageous bill which alerted me to the problem. Looking back a few months we saw that although the bills looked identical, somehow we had a new provider with a new logo. We contacted Palmco Indra Energy and they reluctantly said they would 'send a cancellation notice.' Normally the switch back to original utility provider NJNG would take 3 months/multiple billing cycles but because it was unauthorized they would send cancellation immediately to switch me back. On January 3 Palmco gave me confirmation number SS **** that she sent it immediately. As of today NJNG has not received it. This has been enormously stressful to think a utlilty company can simply steal your service and then make outrageous charges and neither party helps to return you to where you belong. This is an outrageous scam/ and this web site shows a clear pattern, not to mention PA and ** AG lawsuits settled for misleading marketing scams. This company is fraudulent. We need service returned to regularly utility and outrageous bills since they stole our account resolved. Beyond that it is up to authorities to assess how a company like this can stay in business.

      Business Response

      Date: 01/26/2024

      In response to *********************** (the Consumer) complaint, we researched our records and confirmed that the electric and natural gas accounts were enrolled with Indra Energy (Indra or the Company) on May 14, 2023. Shortly thereafter, the pending electric enrollment was rescinded. As such, the Consumer did not receive any electric service or charges from the ********************************** request on January 3, ****, Indra submitted the cancellation to the utility, which provided a service end-date of February 6, ****. The Consumer was not charged a cancellation fee. Please be advised that Indra does not control the cancellation period or determine the service end-date. This is handled by the utility, which determines the service end-date based on a customers next applicable meter-read date. Additionally, in an effort to help resolve her concerns, Indra issued the Consumer a courtesy credit.

      Indra takes these matters seriously, and upon receipt of this complaint, we immediately reached out to our door-to-door sales team and vendor. Based on their response, the sales agent associated with the enrollment was previously removed from marketing on Indras behalf for reasons unrelated to this complaint.

      On January 24, ****, a Compliance representative spoke with ******************************* regarding Indras resolution, at which time he accepted it as satisfactory and thanked us for the assistance. An email confirming Indras resolution was also sent to his email address, per his request. A Compliance representative also discussed the resolution with ********************* on January 26, ****.

      Indra makes every effort to review and appropriately resolve all consumer complaints. Please feel free to contact us at ************************************* with any questions or concerns.
    • Initial Complaint

      Date:01/04/2024

      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.
      Indra Energy pretended to be working with **************** Works and Peco. They told me I had overpaid for my bill for both and were working directly with the two above companies to issue rebates and that it was necessary for me to give him a PGW bill for him to fix it. He used my phone and had me sign that "he spoke to me face to face". It turns out he had me sign up for an Indra Energy account. I called PGW to confirm this was a scam and he had lied. The "Sales Agent" was *************************. I had to call Indra Energy immediately and cancel the created account. As of right now I am monitoring my current gas account to ensure they do not cancel it and I am waiting to see if Indra energy tries to bill me.

      Business Response

      Date: 01/12/2024


      Indra Energy (Indra or the Company) appreciates ************************** (the Consumer) for bringing this matter to our attention Per review of our records, **************** enrolled with Indra on January 2, ****.

      Shortly after completing the enrollment, **************** called our customer service department regarding her account and to request cancellation. The representative processed her cancellation request and provided her with the cancellation confirmation code. As a result, *** ******* pending enrollment was rescinded; therefore, her electric account will not receive any services or charges from Indra nor be charged a cancellation fee.

      In reference to the sales presentation, please be assured that Indras sales agents are trained to completely adhere to our policies and guidelines when presenting our programs to customers. When sales agents engage in negotiations with customers, agents provide their first name, state they are there on behalf of Indra Energy (not acting on behalf of the utility), and the purpose of the solicitation. The sales agents are trained to not engage in misleading or deceptive conduct, and to not make false or misleading representations.

      Indra takes these matters seriously, and upon receipt of her complaint, we immediately reached out to the vendor. Based on our review,we have been unable to substantiate *** ******* allegations. Notwithstanding,and out of an abundance of caution, we are retraining our sales agents, and they will continue to undergo the monthly scheduled retraining sessions to ensure they remain fully compliant. Additionally, *** ******* address, and phone number have been added to Indras internal Do-Not-Knock and Do-Not-Call lists.

      On January 10,****, and January 11, ****, Compliance representative contacted the Consumer in an attempt to discuss her concerns. Detailed messages were left with the information presented above, and **************** was advised to contact our office with any questions.   

      Indra makes every effort to review and appropriately resolve consumer complaints. Please do not hesitate to contact us at ************************************* with any questions or concerns.
    • Initial Complaint

      Date:10/30/2023

      Type:Order 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 was signed up for a third party electric supplier without my concent.

      Business Response

      Date: 11/10/2023

      Indra Energy (Indra or the Company) appreciates ******************************* for bringing this matter to our attention. In response to her complaint, we researched our records and confirmed that her electric account was enrolled with Indra on October 19, 2023. 

      Shortly thereafter, Indra received a cancellation notification from the utility on October 28, ************************************************************ ****** energy account will not receive any service or charges from Indra nor be charged a cancellation fee.

      Please be assured that the sales agents marketing on behalf of the Company are trained to completely adhere to our policies and guidelines. Indra takes these matters seriously and immediately reached out to its sales team regarding *** ****** concerns. 

      Additionally, per *** ****** request, Indra has placed her contact information on its internal Do-Not-Call and Do-Not-Knock lists. We have also placed her account number on *********************** internal Do-Not-Enroll list to prevent any future enrollments.

      We appreciate the opportunity to help resolve this matter. Please feel free to contact us at ************************************* with any questions or concerns.

      Customer Answer

      Date: 11/14/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

      Sincerely,

      ***************************



       

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