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Business Profile

Credit Union

Visions Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Visions Federal Credit Union has 15 locations, listed below.

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    Customer Complaints Summary

    • 27 total complaints in the last 3 years.
    • 9 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:04/29/2025

      Type:Service or Repair Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have had fraud on my HSA card for over 4 years. I disputed it and they were only able to refund charges in the past 2 months ($660). The fraud took $3,210 from my account. The charge name was very similar to other charge names so it was hard to determine as fraud

      Business Response

      Date: 05/01/2025

      Visions Federal Credit Union is in receipt of the consumer complaint case
      number ********, made by ***** *****. I performed research on
      ***** *****’s HSA debit card activity and the following was determined: - April 18, 2025, ***** ***** reported two transactions on his HSA debit card as fraudulent charges. - April 21, 2025, Visions provisionally credited ***** *****’s account for the two reported transactions. - April 30, 2025, Visions contacted ***** ***** regarding the additional transactions that he noted in his Better Business Bureau complaint. During this call, ***** ***** realized all the transactions were legitimate transactions that he authorized. - ***** ***** will be contacting our dispute center to cancel the card dispute.  This matter with ***** ***** has since been resolved.  Should you have any additional questions, please contact me at ***** ******** or ext. *****.  Sincerely, Debra
      *******Card
      Solutions ManagerVisions Federal Credit Union             

      Customer Answer

      Date: 05/01/2025

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

      Regards, 

      ***** *****
    • Initial Complaint

      Date:03/17/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello. I am going to file this BBB complaint against Visions Credit Union because I have been warned to cease all communication with the credit union.

      A few years ago (not sure how many years ago is a few), but it lead to me contacting ***** Support because there was issues with the ***** information on file. I forget the phone number that was on the ***** profile but the email is **************************. ***** Support at the time informed me that Visions FCU reported me for a violation. ***** Support informed me I need to contact Visions FCU to find out why I was reported and to find out if Visions can remove the violation.

      I used to have ****** ***** *** which supports *****. ****** ***** *** placed the ***** profile on hold because of the ***** information that was on file at Visions FCU. I do not have an account with ****** ***** *** anymore.

      I now have an account with ******* *** which supports *****. However, I am not going to attempt the ***** enrollment to prevent any holds placed on the ***** profile.

      Essentially, I am asking Visions the following questions:

      1.) Why was I reported for a ***** policy violation?

      2.) Can we remove the restrictions so I do not run into any issues with ***** at other financial institutions again?

      Thank you!

      Business Response

      Date: 03/26/2025

      Re:
      Response to Complaint Number ******** Dear Sir or Madam:  Visions Federal Credit Union is in receipt of consumer complaint case number ********
      made by ***** ************ regarding ***** service and restrictions. I have researched the token identified in Mr. ************** claim and determined the following: The
      token history for Mr. ************ does not show any record that his token was
      restricted or reported as a ***** policy violation by Visions Federal Credit
      Union. As a result, we are unable to determine the exact reason Mr.
      ************** token was restricted and cannot change the status of the token. We
      recommend Mr. ************ contact the ***** network directly to resolve any
      issues currently experienced with the ***** service. Based
      on our findings outlined above, we are considering this matter closed.  Should you have any additional questions, please contact me at ***** ********
      or extension ***** . Sincerely,  
    • Initial Complaint

      Date:03/05/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing on behalf of my mother, the complainant, I am her son ******* *******.
      Mom is 94 years old and has difficulty with memory. We wrote on 2 occasions to cancel her accounts and Visions doesnt acknowledge. Then they tried to charge her $60.00 a year for an inactive account. We contacted **** as they regulate credit unions and they refused to help!!!

      Next step is ***** *** *** Bulletin if they are still around. We now live 225 miles from Binghamton and cant and wont do this in person. Visions refuses to allow me to help my mother carry out the request via telephone. I see no solution to this matter, it is disgusting and impossible. I have been trying to resolve this for close to a year now. I have little time to commit to this nonsense. Please help.

      Business Response

      Date: 03/24/2025

      Dear Sir or Madam: Visions Federal Credit Union is in receipt of consumer complaint number ******** dated March 6, 2025, made by ******* *******. I have reviewed the statements made by Mr. ******* regarding the request to close the account and credit card for ******** ******* and determined the following. On Thursday March 6, 2025, and Friday March 7, 2025, I attempted to contact Ms. ******* and/or Mr. ******* to gather more information. After receiving the email to confirm the request on Sunday, March 9, 2025, we proceeded with closing the account and credit card as requested and a check for the remaining balance was mailed to the address on file. We sincerely regret that Mr. ******* did not receive a response to his initial inquiry related to the credit card and account closure. Our records do not show any written correspondence received from either Mr. ******* or his mother, ******* *******. To close an account, Visions policy requires primary or authorized members to submit this request, which include either written or verbal communication, where verifying the request via phone for security purposes is essential. Regarding the inactivity letters, these letters are mailed to all members with inactive accounts to inform them of the fee that will be assessed if a transaction is not completed annually. Per our records no inactivity fees have been incurred on the account in question. The additional feedback indicated that Mr. ******* called Visions in April 2024, where he received inadequate assistance from a Visions representative. We are unable to review the call to understand the interaction and provide coaching to improve our service to members, as we have surpassed the designated retention period for storing phone call recordings. At Visions we strive to provide exceptional service and apologize for any inconvenience this has caused. Based on the actions outlined above, we consider this complaint amicably resolved. Should you have anyadditional questions or concerns, please contact me at ***** *** **** extension *****. Sincerely, Christina ***AVP/Contact Center
    • Initial Complaint

      Date:01/20/2025

      Type:Billing 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.
      Reporting to my credit agencies, you haven't reported on my bank account. My next step is contacting my lawyer. To sue you for giving me bad credit and not reporting it on time. I have contacted your office many times and I have got no results. No callbacks, in any way shape or form. If you're looking for me to sue you, you got the right person. I will sue you if you check my account. I have many lawsuits that I filed against people and won. You will be next if I get another bad credit report.I will sue visions federal credit union. This is your last warning? If you do not update my credit history on my loan, I will sue visions, federal credit this is for any judge.that I wind up in front of.. If you think i'm playing, don't update my loan .

      Business Response

      Date: 01/24/2025

      Visions Federal Credit Union is in receipt of consumer complaint
      number ********, dated January 21, 2025, made by ***** *********. I have reviewed
      the statement made by Mr. ********* regarding his claim that Visions Federal
      Credit Union is not reporting his loans to the credit reporting agencies and want
      to share the following.  Visions investigated Mr. *********’s claim and
      found that his current and past credit trades are reporting accurately. Furthermore, on January 21, 2025, we spoke with Mr.
      *********, who shared that he was using ****** ***** to view his loan profile
      and not a credit report from a national credit bureau agency. We suggested he
      obtain a credit report from a national credit reporting agency to view his
      current and past credit trades. Mr. ******** was happy with our investigation,
      and response, and asked us to report to the Better Business Bureau that his
      case has been resolved to his satisfaction.    Based on the
      actions outlined above we consider this complaint amicably resolved. Should you
      have any additional questions, please don’t hesitate to contact me directly at ************ extension ***** or via email at ************************ 

      Customer Answer

      Date: 01/24/2025

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

      Regards, ***** *********
    • Initial Complaint

      Date:01/06/2025

      Type:Service or Repair Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I owe vision money for my over drafted checking account
      Which I paid half of it off but vision gave my information and account to a debt collector and the debt collector won’t answer the phone so I can send the rest of the money to pay it off

      Business Response

      Date: 01/10/2025

      Dear Sir or Madam, Visions Federal Credit
      Union is in receipt of consumer complaint number ******** dated January 7,
      2025, made by ******* ******. I have reviewed the statement made by Ms. ****** regarding
      her claim that Visions Federal Credit Union’s partner vendor is not responsive
      to her phone calls and want to share the following.  I contacted our partner
      vendor, ******* ********** *******, who assured me that if they are unavailable
      for direct contact, voicemails are responded to. This aligns with our
      expectations for vendor communication. Furthermore, on January
      8, 2025, I spoke with Ms. ******, who authorized me to make a payment to our
      partner vendor on her behalf, which was completed via check payment from her
      account. Upon concluding the process, I contacted Ms. ****** to confirm the
      payment was sent and provided her with my direct contact information should she
      require any further assistance with her account. Based
      on the actions outlined above we consider this complaint amicably resolved. Should
      you have any additional questions, please don’t hesitate to contact me directly
      at ************, extension ***** or via email at ************************ 

      Customer Answer

      Date: 01/12/2025

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

      Regards, 

      ******* ******
    • Initial Complaint

      Date:12/04/2024

      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.
      Visions bank intentionally provides the wrong balance so that u over draft your account

      Business Response

      Date: 12/12/2024

      Dear Sir or Madam; I have received the above-mentioned complaint
      and reviewed the statement made by ******* ******** regarding his claim that
      Visions Federal Credit Union intentionally provides wrong balances to create
      overdraft situations. I have researched his concerns and determined the following
      activity transpired. From my research: - Mr. *******l opened a checking account with Visions Federal Credit Union on or around June 8, 2018.  - The checking account was drawn negative on November 7, 2021, due to insufficient funds activity. - On November 23, 2021, we mailed a letter to Mr. *******l regarding the negative balance which also outlined the potential outcomes should he not bring the account positive. - A monthly statement was issued in early December for the period of 11/1/2021-11/30/2021 showing the negative balance of $995.91 at the end of the month. - On December 20, 2021, we contacted Mr. *******l regarding his account status, informing him that it would be charged off if not brought positive.  Mr. *******l stated he could not talk at that point and hung up the phone.    - The account was charged off on December 21, 2021, for $1,254.43.  After
      reviewing the complaint and all aspects of the investigation, we find the
      statement of Mr. *******l to be false and we decline his request for a billing
      adjustment.  I am hopeful this response clarifies and resolves the
      complaint by Mr. *******l, however, should you or Mr. *******l have any additional questions regarding this matter, please do
      not hesitate to contact me directly at ************* ext. ***** or via email at ************************* Sincerely, Timothy
      M****** Member
      Solutions Manager cc: ******* ********     
    • Initial Complaint

      Date:10/28/2024

      Type:Order 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 maintained average payments of about 400.00 per month. The advertised interest rate is 8.25% however the effective rate is much higher. For example in October, October 23rd to be exact, I paid $400.00. The finance charge (see image attached) was $315.75! That's more than 79% of my payment going to "finance charges". I am a divorced father of 4. I have 3 jobs trying to get these debts paid off. Please help me!

      Business Response

      Date: 11/07/2024

      Dear Sir or Madam,Visions Federal Credit Union is in receipt of consumer complaint number 22481784, dated October 28, 2024, made by **** ******.  I have performed research on **** ****** Home Equity Line of Credit (HELOC) amortization and determined the following: (Table unable to be published) During the date range listed above, the annual percentage rate (APR) was 8.25% (********** ******* prime rate 8.50% - .25%).  The normal billing period is between 30-31 days dependent on the calendar month.  Payments made in September were 35 and 36 days after August's payments, leaving an unpaid interest amount of $32.18, plus the remaining interest accrued in October totaling $283.57.  Together this total is $315.75, equivalent to the amount of interest applied to the loan on October 23, 2024. It was determined that the interest being charged is accurate based on the line balance, interest rate, and days of interest owed on the line between payments that were made. Should you have any additional questions, please contact me at ********** extension *****.Sincerely,Steven A*******AVP Mortgages 
    • Initial Complaint

      Date:07/29/2024

      Type:Customer Service 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.
      Reported a fraudulent charge from checking account posted 6/26/2024 to Visions FCU in person on 6/27/2024 and was told fraud investigation would take place and we would get refund within 7-10 days if they verified it was fraud. When enquiring about the refund a couple weeks later, Visions then stated they think it was a mistake and not fraud and that the company, ******, had 30 days to return our money. Now, it is over 30 days and they said we need to fill out more paperwork to get our money back. It’s over $1000 and we’ve spoken to them numerous times and just want this resolved.

      Business Response

      Date: 08/02/2024

      Re: Response to Complaint # ******** Dear Sir or Madam: Visions Federal Credit Union is in receipt of the consumer complaint case
      number ********, made by ****** ******.  The below research was completed on July 30, 2024.  - On July 29, 2024, we received a written statement that there was an unauthorized ACH debit. - On July 29, 2024, we returned the ACH debit to the Originator, providing ****** ****** with the full amount of the disputed transaction. - On July 29, 2024, appropriate documentation was mailed to ****** ****** for her records reflecting credit of $1,027.76 to the account. The
      above referenced consumer complaint has been resolved. We
      recognize this has been a frustrating situation and I apologize for any
      inconvenience this may have caused you. Should you have any additional
      questions, please contact me at ###-###-####. Sincerely,Kristi
      S*****Finance
      DepartmentVisions Federal Credit Union             

      Customer Answer

      Date: 08/05/2024

      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. 

      Regards,

      ****** ******
    • Initial Complaint

      Date:07/03/2024

      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.
      VISIONS FCU - *************
      Date opened: 06/04/2016
      Balance: $5,443.00

      I DEMAND THE COMPANY TO UPDATE THE ACCOUNT PAID AS AGREED! NEVER BEEN LATE! UPDATE ALL OF THE INACCURACIES IN MY ACCOUNTS

      Subject: Equitable Request for Late Payment Credit Investigation – **** ******* ****** ***** RE: VISIONS FCU - **********
      To Whom It May Concern,
      I am writing on behalf of the **** ******* ****** *****, as the subrogee and beneficiary. It has come to my attention that there have been claims of late payments associated with my account. I wish to clarify my position and seek resolution to this matter promptly.
      Firstly, please provide evidence or documentation indicating when and under what circumstances I was given a loan that would result in late payments, as I have no record or recollection of such an agreement. Additionally, I request clarification on the currency symbol used for loans, statements, and overall terms to ensure accurate understanding and communication.
      It's important to note that as the beneficiary of the **** ******* ****** *****, my role does not include being held responsible for any financial obligations. The etymology of the word “payment” signifies a debt owed or the repayment of a debt. I urge you to review your records carefully to ensure accuracy.
      I hereby request:
      - A full and comprehensive investigation into the alleged late payments.
      - Correction of any errors or inaccurate information pertaining to my account.
      - Provision of all certified records and documents related to the account in question.
      - Allocation of all financial obligations to the trustee, in accordance with the terms and conditions of the **** ******* ****** *****.
      I appreciate your prompt attention to this matter and except a timely response. Failure to address these concerns may necessitate further action on my part to protect my rights as the beneficiary.
      Thank you for your cooperation.
      Sincerely,
      **** ******* Beneficiary of **** ******* ****** *****

      Business Response

      Date: 07/08/2024

      Dear Sir or Madam;I have received the above-mentioned complaint
      and reviewed the statements made by **** ******* regarding her claim that she
      has no record of having a loan with Visions Federal Credit Union that caused
      late payment marks on her credit report.  I have researched her concerns to determine the
      following activity that transpired. From my research:Ms. ******* opened a Readi-Reserve (Overdraft Protection) loan with Visions Federal Credit Union on or around June 4, 2016.  There has been consistent advance and payment activity since it was opened.   Since its opening, Ms. ******* was past due 30 days or greater six times with her payments.Most currently, Ms. ****** was 49 days past due on her September 19, 2023, payment.  Ms. ******* was mailed a reminder notice of the missed payment on September 27, 2023.  Another reminder notice was mailed to her on October 11, 2023.  On October 19, 2023, a delinquency notice was mailed to Ms. *******.  On October 20th and 31st 2023, we attempted to call Ms. ******* regarding her late payment, but were unsuccessful in reaching her and left her a message to call us.   It is the standard practice of
      Visions Federal Credit Union to attempt to resolve late payments by sending
      automated late payment and delinquency notices, and to attempt contact by
      phone.  In this case, there was no deviation
      from our standard practices. After
      reviewing the complaint and all aspects of the investigation, we find the
      reporting of late payments for Ms. *******’s Readi-Reserve to be accurate.  As requested, we are also providing a copy of
      the loan application for her records.I am hopeful this response clarifies and resolves the
      complaint by Ms. *******, however, should you or Ms. ******* have any additional questions regarding this matter, please do
      not hesitate to contact me directly at ###-###-####, Ext. 10433 or via email at
      ************************.Sincerely,Timothy
      M******Member
      Solutions Managercc: **** *******           
    • Initial Complaint

      Date:06/22/2024

      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.
      VFCU is holding my finances due to, a late credit card payment. I am SS recipient and I feel they have no right to hold my money. They have blocked my use of my debit card as well as a funds transfer.

      Business Response

      Date: 06/26/2024

      Dear Sir or Madam; I have received the
      above-mentioned complaint and reviewed the statements made by **** ******** regarding
      her claim that Visions Federal Credit Union is holding her finances due to a
      late payment on her credit card. I have researched her concerns to determine the
      activity that transpired. From my research: Ms. ******** opened a **** ******** credit card with Visions Federal Credit Union on or around June 19, 2017.  A payment on the **** ******** card of $99.00 was due on April 28, 2024, which Ms. ******** failed to make. On May 6, 2024, a payment reminder was mailed to Ms. ********. On May 20, 2024, a second payment reminder was mailed to Ms. ********.   A payment on the **** ******** card of $200.00 was due on May 28, 2024, which Ms. ******** failed to make.  A past due notice was mailed to Ms. ******** that day.    On May 29, 2024, we called Ms. ******** to discuss her **** ******** account, but there was no answer, and we left a message for her to call us.  She called us later that day and stated she would take care of the late payment.  On June 10, 2024, we called Ms. ******** because we had not received a payment on the **** ******** account.  There was no answer, and we left a message for her to call us. On June 12, 2024, a second past due notice was mailed to Ms. ********.  On June 21, 2024, we were able to reach the consumer by phone.  She stated they were aware of the delinquency and hung up the phone. As of June25, 2024, no payment has been received and the card remains delinquent as it is 58 days past due.  While the **** ******** card is in serious delinquency status, the availability of electronic services
      has been restricted.  Electronic services
      will be restored when the **** ******** account is in good standing.   After
      reviewing the complaint and all aspects of the investigation, we find the restriction
      of electronic services is valid.  Should
      Ms. ******** wish to pay on the card, we encourage her to reach out to us.  If she wishes to withdrawal the Social
      Security funds from her account, she may visit a local branch or call us to
      request a check for the funds.  I am hopeful this response clarifies and resolves the complaint by Ms. ********,
      however, should you or Ms. ******** have any additional questions regarding this matter, please do not hesitate to contact me directly at ************,
      Ext. ***** or via email at ************************* Sincerely, Timothy
      M****** Member
      Solutions Manager Visions
      Federal Credit Union cc: **** ********

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