Insurance Services Office
Aon Affinity Travel PracticeComplaints
Customer Complaints Summary
- 1,520 total complaints in the last 3 years.
- 153 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:08/11/2022
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.
Norwegian Cruise scheduled for **** of 2022. At the time negative covid tests were required. 5 days out we tested and my son came back positive. We had full insurance in all 3 passengers and contacted Norwegian. They cancelled our cruise, excursions etc. they gave us the insurance claim info which I submitted. I attached all documents including the DR ****** positive test results. I had to follow up many tubes with Aon they were dragging their feet, this claim should have been very simple. I finally get notified that my claim is valid and that check would be coming. I Spent $5200 on the total trip package, I received checks totaling around $2800. I have made numerous enquirers with *** telling me check my credit card statement. Numbers in the Norwegian billing statement I provided along with my credit are charges are $5200. Im short $2400 minus what I paid for the insurance coverage. They wont tell why they didnt pay in full. They dont pay the entire claim which is legitimate based on a positive Covid test. They also sent one of the checks in my toddlers name. They addresses this with me only, not the missing claim amount. Telling me open up a trust in his name of talk to my back instead of issuing new check. Which they claim is a law, I suspect that is not true.Business Response
Date: 08/24/2022
We have reviewed ******************** complaint and we have outlined our position below.
Please note that the claims examiner did call ****************** to further clarify the claim payment issued and what portion is due under BookSafe Travel Protection, the cancellation penalty amount, and what portion is refunded back from Norwegian to whatever form of payment was used to make the booking. The only portion which is not refundable, is the plan cost amount paid for each travelers BookSafe purchase.
We trust this responds to the concerns raised in his complaint. Should you have any additional questions,please feel free to contact our office.Initial Complaint
Date:08/11/2022
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.
In September, 2021, I booked two reservations for a family vacation with Norwegian Cruise Lines (NCL) to sail May 13, 2022 to May 24, 2022 on the Norwegian ****. One reservation was for my parents, ************************* and ********************* (********************* hereinafter referred to as Mom). The second reservation included my sisters, ***************************** and *********************** as well as myself. I paid in full for both reservations in January, 2022 with my Chase credit card. Unfortunately, this past ****** **** myelodysplastic syndrome (MDS), evolved to Acute Leukemia rapidly (note: **** MDS cancer was in remission from August 2021 through March 2022, therefore the reason I booked the trip in September and paid in full January). Upon learning of this, I called NCL on April 26, 2022 stating we would need to cancel the trip being that Mom was required to immediately begin aggressive chemotherapy. Sadly, the disease spread quickly, and **** body was unable to fight infection. With her compromised immune system, she contracted Covid which swiftly developed into pneumonia and Mom was placed in hospice. Mom passed away on May 25, 2022.I purchased additional travel insurance through NCL with Aon Travel Insurance (Aon). I have since attempted to resolve this matter through Aon but have only paid half of the total cost of my parents reservation. I have been attempting to contact them since the day she died to reissue a check from her name to my dad's name who is the legal executor of her estate. To date, I have been getting "it will be sent this week". That was 7 weeks ago.Separately, they did send a check for our portion of the trip, however, I inadvertently endorsed my sister *****'s check and contacted them immediately. They, again, stated they were sending the check out. That was 4 weeks ago and the claim is showing resolved when, in fact, it is not. I need your help to get through to these people to reissue the checks. Thank you.*************************Business Response
Date: 08/24/2022
We have reviewed *** ****** complaint and we are happy to provide status on this matter.
Our claims department has reviewed the reissuance request and we did reach out to *************** The matter has been resolved and applicable reissuances have been provided.
We thank ************** for her patience during the claim process. We trust this responds to the concerns raised in this complaint.Customer Answer
Date: 08/24/2022
Better Business Bureau:
I have, in fact, contacted AON Travel for the last week on a daily basis and finally was in touch with *************************** who worked with me to resolve the matter. 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. Thank you for any help.
Sincerely,
*************************
Initial Complaint
Date:08/11/2022
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 travel insurance at $149 for myself for my Costsaver tour that took place 5/22-6/3 (total trip cost of $1755.67). On 5/27, I tested positive for covid and had to leave the tour group. I then had additional costs for my own transportation and travel in addition to missing the remainer of the tour. I submitted all my documentation by email to Aon by 6/10 (claim reference *******), including official covid test, form filled out by the tour director, itinerary, and reciepts. I called Aon 7/5 and then 8/11 and they only read the same script saying they have a lot of claims and need extra time and are unable to provide any helpful information. The claim online status has been "assigned" for weeks and they say they have the documentation they need. They say to give them 21 business days and it has now been 40 business days. This clearly falls under the covid policy for trip interruption **** benefit of up to 150% of total trip cost) and I have provided the required documentation. I am still waiting for the resolution.Customer Answer
Date: 08/21/2022
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.I have received checks from Aon in appropriate amounts.
Sincerely,
*************************
Initial Complaint
Date:08/11/2022
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.
My wife and I were on a 10 day Trafalgar trip in ****** beginning May 27 and scheduled to end June 5, 2022. Our travel agent booked a travel insurance plan with AON for $578. On the evening of June 1st my wife began having fever and chills. Early the next morning she tested positive for Covid. Our Trafalgar tour director and wellness director were notified and it was agreed we would need to remain in quarantine for 5 days. The tour bus left without us. We were on our own in a remote part of ****** with few resources for being able to get back to ********* for our return flight home. We incurred 7 additional nights of hotel expenses, flight bookings, medical expenses, food, etc. at our own expense plus at least 40% of our prepaid Trafalgar trip was missed. By my estimation the total value of our loss is in excess of $7000. I submitted a claim to AON on June 12th for trip interruption expenses covered by our policy. Since that time the claim (#*********) is yet to be processed. The status as of this evening is still assigned and not even yet in progress.On June 20th, in response to my request for average process times I was advised that the timing was on average approximately 21 business days which would have been July 12th. Again, on June 29th, I was advised that the timing was on average approximately 21 business days.Most recently (July 19th) my request for status update was responded with We appreciate your patience as we work through an increase in claims and allow our team members the additional time necessary to appropriately review each claim submission. Should we need any additional information, we will notify you. There have been no questions or contact of any kind to indicate that anyone is reviewing our claim. Tonight, August 10th, marks the end of the 42nd business day after submittal of our claim, twice as long as the average time of 21 business days we were twice told. We are asking for help to get this matter resolved.Business Response
Date: 08/23/2022
We have reviewed ****************** complaint and we are happy to provide status on this matter.
Our claims department has reviewed the claim and the customer should have received a response already or will be receiving a response shortly.
We thank **************** for his patience during the claim process. We trust this responds to the concerns raised in this complaint.Customer Answer
Date: 08/23/2022
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:08/11/2022
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 went on a cruise and purchased the vacation travel insurance. I had to receive medical treatment not covered under my insurance on the cruise ship since I was out of network on June 23rd 2022 in the amount of $174.70. I submitted my claim on June 29th 2022 and was advised claims could take 21 days it has surpassed that time. I have tried calling but have been put on extended holds not able to contact a representative. I received an email on August 2nd that the claim is taking longer then expected. Currently the tracking only shows that it has been assigned and is not even in progress of being reimbursed.Business Response
Date: 08/23/2022
We have reviewed *** ****** complaint, and we are responding accordingly.
According to the information presented, ************* was scheduled on a Carnival cruise from 6/20/22 6/24/22. It appears she became ill during the cruise and incurred additional medical expenses. She filed a claim with us for reimbursement of the medical expenses incurred onboard the ship.
Upon review of the claim submission it was determined that the medical expense claim was covered under the terms of the plan. We have issued payment in the amount of $175.45 on 8/15/22.
We thank ************** for her patience during the claim process. We trust this information sufficiently responds to the concerns raised in *** ****** complaint. Should you have any questions, please feel free to contact our office.Initial Complaint
Date:08/11/2022
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.
Purchased Aon Travel Insurance through Holland America on 12/25/21 for $2,298.Wife and I tested Positive for Covid 5/7/**.Quarantined at hotel in Holland from 5/8 through 5/13. Tested negative on 5/13.Booked Travel on 5/14 back to US.Filed claim with Aon on 5/16 Ref #*********, claim#**********.Aon received on 5/16.6/1 Followed up. Told due to volume allow another 2 weeks.6/** - Told that claim would be finalized in a week.6/29 - Told claim would be finalized in 2 weeks.7/20 - Called, asked to speak to mgmt, no results.7/20 - E-mailed Aon asking to tell me when claim will be finalzed.7/25 - (*****) called and said claim would be finalized by 7/29.7/29 - Received e-mail from Aon stating I needed to file a claim with my primary and secondary insurance first due to additional medical benefits???? This makes absolutely no sense, since we were not hospitilized nor got any medical attention other than a covid test. ******** clearly states that they will not cover any costs unless one is hospitilized or received medical care, which we did not. I talked to ******** and they said it would be at least 90 days if I filed a claim until they could get me a denial letter. I did file with my secondary, they also denied the claim and are in process of sending a denial letter. This was also the first time since the claim was filed that we were asked for any additional documentation.7/29 - Challenged this to Aon by e-mail. 8/2 - ***** sent a note that Aon had all the documentation and claim is in final review.8/9 - Contacted Aon again stating the requirement from ******** is nonsense and is being used to just avoid finalizing the claim. No further response from Aon since then. I am to the point that I don't care what Aon does. I want the claim finalized. It's simple: Re-imburse what's in the contract and reject the rest. It can't possibly be that hard. Quit delaying the claim with reasons that make no sense just to drag this out!!!!Customer Answer
Date: 08/16/2022
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.
Please be advised that I have received an email today from Aon Infinity Travel Practice finalizing our claim. They have satisfactorily fulfilled their obligations. Thank you for your help.
Regards,
************** ***
Initial Complaint
Date:08/11/2022
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.
On 5/26/2022 I submitted a claim with AON Affinity (Claim number *********) for reimbursement of my costs associated with a Princess ******* Land Tour and Cruise taken on the Majestic Princess starting May 10th and ending in ********* ** on May 21, 2022. After the Land Tour Princess required us to take a COVID test prior to starting the Cruise. Both my wife an I had negative results for COVID. My wife received COVID on the ship and we self-isolated for 2 days on the cruise. When we went to the airport in ********* we were required to take a COVID test and she tested Positive and we could not board the plane back to the US. Princess representative at the airport gave us instruction to isolate in ********* at a *********** and they would cover the costs associated with the isolation including $100/day/person for meals. After 3 additional days in ********* we took a bus to ******* where we continued our trip home. I have been on the *** site numerous times and made numerous calls only to get the same response that my claim has been assigned and someone will contact me if additional information was needed. It has been 76 days with no meaningful response from ***. I contacted Princess ****** and was told that once *** responded I could submit a claim directly with Princess if any expense was not covered by ***. I have additional detailed information which can be provided if needed.Business Response
Date: 08/31/2022
We have reviewed ****************** complaint and we are happy to provide status on this matter.
Our claims department has reviewed the claim and the customer should have received a response already or will be receiving a response shortly.
We thank **************** for his patience during the claim process. We trust this responds to the concerns raised in this complaint.Customer Answer
Date: 09/07/2022
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 received your e-mail stating that AON has sent a response to me. A couple days later I reviewed their response rejecting our claim. Their reason was that my wife received a Positive COVID test at the airport which AON states that their coverage stops at the disembarking from the Ship.
I responded back to them with the attached and have not received anything else from them.
My response states we were COVID tested by Princess the day before the cruise while on the Princess **** Tour, 5 days into the cruise my wife came down with COVID symptoms. We contacted the Cruise medical team and informed the room *******. Medical did not get back to us. We disembarked and went directly to the airport where we were required to take a COVID test. My wife was positive and we could not get on the plane. Princess representative at the airport gave us information about hotels that Princess would cover while we quarantine.
Their response is totally unacceptable.
Please review and let me know what my options are.
Thank you
***********************
************In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
***********************
Customer Answer
Date: 09/27/2022
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 .I received a response from AON on 9/23 stating that they were sending a check for a certain amount. While the amount seems close to my requested expenses I have not received the check as of today which is 5 days after receiving my BBB email. Once I receive the check with a better explanation of what they covered and what they chose not to cover I will respond with hopefully my final response. It is obvious that the only way to get a response to an AON claim is to issue a BBB claim. I submitted a another claim the same day for damaged luggage and have only received the standard response stating it is being reviewed.
***** ******
Customer Answer
Date: 09/28/2022
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. I have received the checks today and the amount is satisfactory. With the help of the BBB my claim has been resolved after 4 months and 2 days from the date of my claim.
Sincerely,
***** ******
Initial Complaint
Date:08/11/2022
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.
On March 7, 2022 i purchased Aon Travel Insurance for $438 for a June 17, 2022 trip to *********** Park. On June 16 I had to cancel the trip due to *********** Park flood closure.On 6-21-22 I filed an Aon Insurance claim. They state to allow 21 days to process. I kept checking on line multiple times in the following weeks and the status never changed from assigned to in process. Every time I called I was told the same thing, We received the necessary documentation and well contact you if there is anything else we need. This conversation continued through 7-29-22 when I spoke with ***** a supervisor and she said allow three days for an examiner to contact me, by 8-3-22. No one called me on 8-3-22, so I called and was told the same story, allow 3 days for a return call. I questioned why wait another 3 days when I already was told the same story the week before. On 8-4-22 I received a call and was told the same story, they had received the necessary documentation. I argued about the delay and how they kept telling me the same story. To this date I have not received my trip reimbursement of $6415.24 Please help me!Customer Answer
Date: 08/18/2022
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:08/10/2022
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.
Hello, I have been trying to get a resolution from Aon Affinity's Travel Practice since June. I have submitted all requested documentations with no resolution what so ever. I have held the telephone for hours to get a representative tell me the same thing your claim is in progress. Can someone please assist with what is the problem with these companies not refunding my money. I have enclosed the same documents as it relates to Royal Caribbean cruise line. I paid for travel protection insurance. My trip was cancelled because the airlines was short of pilots. Noted below is there travel protection insurance coverage. Our travel, tour, flight and cruise insurance plans can include benefits such as:Trip Cancellation Trip Interruption Travel Delay Emergency Medical, Assistance, Evacuation Baggage (loss, damage, theft and/or delay of travel belongings)CareFree Travel AssistanceTM Can someone please help me get my refund so I can pay my **************** card. Thanking you in advance,************************************************Business Response
Date: 08/23/2022
We have reviewed ******************** complaint and we are happy to provide status on this matter.
Our claims department has reviewed the claim and the customer should have received a response already or will be receiving a response shortly.
We thank ****************** for her patience during the claim process. We trust this responds to the concerns raised in this complaint.Customer Answer
Date: 08/23/2022
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:My cancellation letter specifically state a "100 cancellation." I am entitled to a 100% refund. I was told on June 20, when I called in to file my claim that my cancellation of my flight would be covered. I am not interested in a credit to cruise with Royal Caribbean in the near future due to the unprofessionalism and unnecessary lying. Please just reimburse my money so I can go on? We all know that flights have been cancelled globally around the world. Once again, there is no way my son and I could have flown from the *********** airport to *******, ******* on an airplane. This situation was completely out of my control which is the reason why I purchased travel protection insurance. I do not ever want to cruise on a Royal Caribbean ship in the remaining of my life time. This is an easy fix.
God Bless,
*******************
Business Response
Date: 09/02/2022
We have reviewed ******************** additional comments, however as previously explained to her in our correspondence of 8/10/22,we are unable to provide cash reimbursement for their cancellation losses as their reason for cancellation did not meet the terms and conditions of the Cancellation Penalty Waiver. A flight delay or cancellation is not among the specified reasons under the Cancellation Penalty Waiver that would make one eligible for a cash reimbursement. As such, we are unable to consider ******************* request for such reimbursement. Instead, the ******** are eligible for the Cancel For Any Reason Cruise Vacation Enhancement which provides for future travel credits. This information is contained in the plan,as noted in our above-referenced letter of 8/10/22.
We trust this responds to the concerns raised in this complaint.Initial Complaint
Date:08/10/2022
Type:Order 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 filed a trip interruption and a trip delay claim with AON Affinity travel insurance on 6/29/22. I submitted all required and requested claims documentation (including supporting documentation) on the same date (6/29).As of today, 8/9/22 AON still has not remitted payment for either of my claims. Upon repeated follow up they still have failed to send payment for the funds outlined in the claim. Per page 15 of the travel insurance policy agreement attached, AON must abide by the following: "All benefits payable under the Policy will be paid immediately upon receipt of due written proof of such Loss. All claims shall be paid within 20 days following receipt by the Company of due proof of Loss. Failure to pay within such period shall entitle You to interest at the rate of 12% per annum from the date of the payment agreement. However, if the tender of payment is conditioned upon the execution of a valid release, the interest will not begin to accrue until the executed valid release is provided to Us. "It has been far longer than the time AON agreed to complete the claim and remit payment by. I request that payment be made on my claims including the interest specified within our policy agreement.Business Response
Date: 08/25/2022
We have reviewed *** ***** complaint and we are happy to provide status on this matter.
Our claims department has reviewed the claim and the customer should have received a response already or will be receiving a response shortly.
We thank ************ for his patience during the claim process. We trust this responds to the concerns raised in this complaint.Customer Answer
Date: 08/26/2022
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:Aon Travel Protection did not reimburse any of the return airfare that I had paid to get back home (as I was unable to fly back home on my originally paid for flight due to being involuntarily quarantined). Please see attached for the receipt for the return airfare due to the trip interruption.
My total trip cost was much more than the cruise fare alone as it also included the original airfare (which I provided Aon) as well as excursions.
The travel policy is clear that the coverage amount for trip interruption is up to "the total cost of the trip".
***********************
Business Response
Date: 09/06/2022
We have reviewed *** ***** additional comments and we are happy to provide further status on this matter.
Our claims department has again reviewed the additional comments and/or documentation submitted and the customer should have received a response already or will be receiving a response shortly.
We thank ************ for his continued patience during the claim process. We trust this responds to the concerns raised in this complaint.
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