Complaints
This profile includes complaints for Evolve Bank & Trust's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 251 total complaints in the last 3 years.
- 105 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:03/27/2025
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.
I am writing to formally raise a concern regarding the repeated overdraft fees I have incurred while using the ExtraCash Feature. The settlement for this feature consistently occurs two days before my actual payday, leading to unnecessary overdraft charges.Your bank offers a "Get Paid Two Days Early" feature, which I believe should have prevented this issue. My employer consistently processes payroll two days before the scheduled payday, as confirmed for the following dates: 01/31/2025, 02/14/2025, 02/28/2025, and 03/14/2025. Despite this, none of these deposits were released early into my account, contrary to your advertised feature.After speaking with my employer, I confirmed that payroll was correctly processed on their end. Additionally, my employer has already processed payroll today, 03/27/2025. Therefore, I kindly request that you investigate why the early deposit feature has not been functioning for my account.Furthermore, I would appreciate your assurance that today's deposit will be handled appropriately and released early, in accordance with your policy.I attempted to resolve this issue with your support team yesterday, but unfortunately, the agent I spoke with was dismissive and unhelpful. They insisted that pending deposits are pulled throughout the day, but this has not been my experience. I was disappointed by the lack of professionalism displayed and would like to ensure a more constructive resolution going forward.I trust you will address this matter promptly and provide an explanation, along with a resolution to prevent such issues from recurring.Thank you for your attention to this matter. I look forward to your timely response.Customer Answer
Date: 03/28/2025
I am writing to formally raise a concern regarding the repeated overdraft fees I have incurred while using the ExtraCash Feature. The settlement for this feature consistently occurs two days before my actual payday, leading to unnecessary overdraft charges.
The ************************ (***) filed a complaint against ****, alleging deceptive marketing practices, undisclosed fees, and misleading "tips" that don't benefit consumers as claimed, leading to a lawsuit and potential penalties
Your bank offers a "Get Paid Two Days Early" feature, which I believe should have prevented this issue. My employer consistently processes payroll two days before the scheduled payday, as confirmed for the following dates: 01/31/2025, 02/14/2025, 02/28/2025, and 03/14/2025. Despite this, none of these deposits were released early into my account, contrary to your advertised feature.
After speaking with my employer, I confirmed that payroll was correctly processed on their end. Additionally, my employer has already processed payroll today, 03/27/2025. Therefore, I kindly request that you investigate why the early deposit feature has not been functioning for my account.
Furthermore, I would appreciate your assurance that today's deposit will be handled appropriately and released early, in accordance with your policy.
I attempted to resolve this issue with your support team yesterday, but unfortunately, the agent I spoke with was dismissive and unhelpful. They insisted that pending deposits are pulled throughout the day, but this has not been my experience. I was disappointed by the lack of professionalism displayed and would like to ensure a more constructive resolution going forward.
I trust you will address this matter promptly and provide an explanation, along with a resolution to prevent such issues from recurring.
Thank you for your attention to this matter. I look forward to your timely response.Customer Answer
Date: 03/28/2025
I am writing to formally raise a concern regarding the repeated overdraft fees I have incurred while using the ExtraCash Feature. The settlement for this feature consistently occurs two days before my actual payday, leading to unnecessary overdraft charges.
The ************************ (***) filed a complaint against ****, alleging deceptive marketing practices, undisclosed fees, and misleading "tips" that don't benefit consumers as claimed, leading to a lawsuit and potential penalties
Your bank offers a "Get Paid Two Days Early" feature, which I believe should have prevented this issue. My employer consistently processes payroll two days before the scheduled payday, as confirmed for the following dates: 01/31/2025, 02/14/2025, 02/28/2025, and 03/14/2025. Despite this, none of these deposits were released early into my account, contrary to your advertised feature.
After speaking with my employer, I confirmed that payroll was correctly processed on their end. Additionally, my employer has already processed payroll today, 03/27/2025. Therefore, I kindly request that you investigate why the early deposit feature has not been functioning for my account.
Furthermore, I would appreciate your assurance that today's deposit will be handled appropriately and released early, in accordance with your policy.
I attempted to resolve this issue with your support team yesterday, but unfortunately, the agent I spoke with was dismissive and unhelpful. They insisted that pending deposits are pulled throughout the day, but this has not been my experience. I was disappointed by the lack of professionalism displayed and would like to ensure a more constructive resolution going forward.
I trust you will address this matter promptly and provide an explanation, along with a resolution to prevent such issues from recurring.
Thank you for your attention to this matter. I look forward to your timely response.Customer Answer
Date: 03/28/2025
I am writing to formally raise a concern regarding the repeated overdraft fees I have incurred while using the ExtraCash Feature. The settlement for this feature consistently occurs two days before my actual payday, leading to unnecessary overdraft charges.
The ************************ (***) filed a complaint against ****, alleging deceptive marketing practices, undisclosed fees, and misleading "tips" that don't benefit consumers as claimed, leading to a lawsuit and potential penalties
Your bank offers a "Get Paid Two Days Early" feature, which I believe should have prevented this issue. My employer consistently processes payroll two days before the scheduled payday, as confirmed for the following dates: 01/31/2025, 02/14/2025, 02/28/2025, and 03/14/2025. Despite this, none of these deposits were released early into my account, contrary to your advertised feature.
After speaking with my employer, I confirmed that payroll was correctly processed on their end. Additionally, my employer has already processed payroll today, 03/27/2025. Therefore, I kindly request that you investigate why the early deposit feature has not been functioning for my account.
Furthermore, I would appreciate your assurance that today's deposit will be handled appropriately and released early, in accordance with your policy.
I attempted to resolve this issue with your support team yesterday, but unfortunately, the agent I spoke with was dismissive and unhelpful. They insisted that pending deposits are pulled throughout the day, but this has not been my experience. I was disappointed by the lack of professionalism displayed and would like to ensure a more constructive resolution going forward.
I trust you will address this matter promptly and provide an explanation, along with a resolution to prevent such issues from recurring.
Thank you for your attention to this matter. I look forward to your timely response.Business Response
Date: 04/03/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****. We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to ****/Extra Cash directly as they are the party responsible for handling disputes.
Ms. ***** sent a complaint due to she's not receiving her Direct Deposits 2 days early and she is being charged for a Service Fee (Overdraft Fee). We reached out to the member letting her know that deposits depends on the sender even offering 2 days early, also, provided explanation about the Service Fee charges and as a courtesy we waived 1 and refunded 2 Services Fee, also member was educated to reach out to **** before requesting an Extra Cash if we're providing a different payback date.
Initial Complaint
Date:03/24/2025
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.
On March 6 2025, I went to an ATM to withdraw $400 out my account but with the atm fee it was $403.50. I didnt get my money from the atm and I got a receipt that said that the atm wasnt dispensing money but yet the money was no longer on my account. I filed a dispute with evolve bank and trust which is also known as branch. Its my **** pro card. Well on March 20, 2025 I received an email saying that they were going to issue me a credit of $403.50. Then they sent an email saying they were going to reverse the credit. So I called them and a guy I talked to was ****. Rock assured me that it was an error on their end and that he will be escalating the issue to his supervisor and that they will fix the error and give me the money that was owed to me. Well I still never got that credit and now they have my account negative $353 for whatever reason. I called them and the person I talked to today March *******, said that the dispute was still under investigation and that I should look out for an email. I explained to him that I was already given an email that states that I will get a credit on March 19th but never got it. I asked him why send me that email then? He kept repeating thats theres nothing that can be done and that I need to wait. I told him that these lines are recorded which means the *** **** is in recording telling me that I will get my money. But the guy just kept repeating the same thing. I asked to be transferred to a supervisor and he said he cant do that. I want my money!! I am in need of my money! Im on the verge of getting put out my apartment. I need/needed that $400 and it doesnt seem like they want to give me my money. They have my account negative which means if you all make them give me my money, it will just be taken from me. Please can you make them reverse the negative balance of $353 and make them give me my $403.50 like they said they would DAYS AGO!!!! I have a 7 year daughter and i need my money.Business Response
Date: 03/27/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Branch. We requested that Branch research the circumstances of the complaint. Please see their response below. Any further questions should be directed to Branch directly as they are the party responsible for handling disputes.
Hi Lakeithen,Thank you for reaching out. Branch reached out to you on 3/26/25 informing you the credit is on the account and is permanent. We apologize about the inconvenience.
Initial Complaint
Date:03/21/2025
Type:Billing 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.
On march 1 2025 my **** bank account debit card was fraudulently used 8 times. In the amount of $400.00,$200.00, $200.00, $50.00,$100.00,$500.00,$200.00,$400.00 on cash app listed as CASH APP*EZ CAR RIDES. On march 3 2025 there was another fraudulent transaction on my **** bank account debit card for $200.00 CASH APP* E5 FIREWORKS and $900.00 CASH APP EZ CAR RIDES. The total amount debited from my account was $3,150.00. I havent give anyone permission to access my account or my debit card.I was incarcerated during the time the transactions were made. I got released from jail on march 6 2025 and noticed the fraudulent transaction. On march 7 2025 I contacted the merchant cash app to resolve the matter and they stated to contact my bank and on march 8 2025 I called my ****************** and filed a dispute and notified them of the fraudulent transactionsBusiness Response
Date: 04/01/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****.We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to **** directly as they are the party responsible for handling disputes.
Ms.***** contacted **** support in order to report some transactions on her account that she didn't authorize. Upon checking we could see that the dispute has been filed. We educated member about the timeframe and how the investigation process works.Initial Complaint
Date:03/17/2025
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.
Thes people took $431.30 through Yotta and sent me ****** back. I went to their site to appeal however you cannot appeal due to the site not letting me input my telephone number, and it saying this is required to appeal. I do not want ****** I want the ****** I had in Yotta backBusiness Response
Date: 03/18/2025
Evolve Bank & Trust has hired ********************* to lead the Synapse reconciliation disbursement process. Please contact Rust at *********************************************** for questions related to the Synapse account reconciliation.Initial Complaint
Date:03/17/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The collapse of Synapse Financial *****************, a banking-as-a-service platform(1), left thousands of digital banking customers [without access to their funds](*****************************************************************************************)(2), [totaling $265 million](***********************************************)(3). ******* partnered with Evolve Bank and Trust.Since Synapse [filed for bankruptcy](**********************************************************************************************************************************************************************************)(4) in April 2024, it was discovered that there was a [$65 to $95 million](**************************************************************************************************************************)(5) shortfall between Synapse's ledgers and those of its partner banks.Individual reconciliation efforts were undertaken by partner banks like Evolve Bank & Trust. Like other depositors, I was notified by Evolve Bank and Trust that my funds were not held by them. The shock of complete denial of responsibility by Evolve has caused hundreds, then thousands of people to connect on social media. From that outpouring, a volunteer organization, [Fight For Our Funds](*********************************)(7), of which I am a member, created a form for affected users to report missing funds. Currently over ***** individuals have reported losing more than 50 million dollars on the **** site.Personally, I currently have a balance with Evolve Bank and Trust of $10,654.31 that I have been unable to access and to date have been denied *ANY* reimbursement as a part of reconciliation efforts. I tried appealing Evolve Bank and Trust's decision to deny funds. They state that my funds were not held at their bank. But whenever I needed access to those funds, I used THEIR routing number and account number. It's simply an egregious denial of accountability and responsibility on their part.Business Response
Date: 03/18/2025
Evolve Bank & Trust has hired ********************* to lead the Synapse reconciliation disbursement process. Please contact Rust at *********************************************** for questions related to the Synapse account reconciliation.Customer Answer
Date: 03/23/2025
Complaint: 23076742
I am rejecting this response because: it is simply another canned response that no individual actually looked at reviewed. It is clear they defer all fault to "other" companies and are not even lifting a finger towards reviewing my specific case. It was clear when I had a checking account that I could transfer money to and from the Evolve held bank account using their issued account and routing numbers. Yet when the funds were suddenly frozen, now it was Synapse that had the liability. Very fraudulent behavior, and withholding funds that I own.
Sincerely,
***** ***Initial Complaint
Date:03/10/2025
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 opened this account to help my save money and build my credit. I transferred $5020 into the account from my savings account. Right after I did that, the app (step) told me that my account was pending closure. I then tried to transfer the money back to my ***** account and I am not allowed to. I have reached out via email on several occasions. There is no phone number to contact them. I need my money back.Business Response
Date: 03/19/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through Step. We requested that Step research the circumstances of the complaint. Please see their response below.Any further questions should be directed to Step directly as they are the party responsible for handling disputes.
Hello, At Step we take account security very seriously. In the process of opening and funding the Step account Steps fraud investigations team detected activity that doesn't align with our Terms of Use and/or Step Card Agreement. Due to this violation the results of the investigation concluded that the account needed to be closed. The funds that were deposited were returned to the original financial institution and any requests for access to those funds should be directed to the bank in which they were returned. We apologize for any inconvenience this may have caused but thank you for your interest in Step. Please reach out to our Safety Team at *************** with any future questions or concernsInitial Complaint
Date:03/10/2025
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.
On 11/13/24, my business debit card was stolen at a fast food restaurant. There were $2700 in fraudulent charges within 45 days. One of the first charges was to ******** for $500. When I realized this, I immediately called the bank. Charges that were discovered within 30 days were reversed, but the ones older that 30 days were not. ******** was over 30 days. I was instructed to file a police report and to reach out the merchants to request the refunds. I sent no less than 10 emails explaining every last detail, along with the attachments of the police report, bank letter with fraudulent charges that were denied, and the statement showing the charges. I asked repeatedly to be contacted by a human being, because I kept getting the same response asking me for a "LOI" from the bank. My bank did not know what this was and no other merchant sked for this. I sent information repeatedly along with my phone number requesting to speak with a representative from their legal department, as was instructed by the detective. The investigator working this case had sent information requests to them in order to assist in the investigation. The thief was arrested and confessed to the crime. I have gotten nothing but the run around and no one has contacted me. This makes this company look shady and unethical.Business Response
Date: 03/24/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through their personal account. We requested that customer bank research the circumstances of the complaint. Please see their response below. Any further questions should be directed to the customer's bank directly as they are the party responsible for handling disputes.
Ms. ***** is not a customer of Step or ********************** and does not hold an account with either
entity. On January 14, 2025 Ms. ***** reached out to Step in regards to a charge on
their Truist issued Business Debit Card account. On January 14, 2025 the Step support
team responded to Ms. ***** informing them that Step can work directly with their
Bank, Truist, and/or Law Enforcement to support any recovery efforts. Step also
informed Ms. ***** to report any unrecognized charges to the issuing bank, Truist. Ms.
***** informed Step that their claim was denied by Truist. Ms. ***** also informed
Step that they were working with law enforcement and had opened a police report.
Steps support team continued to request that Ms. ***** coordinate with Truist and Law
Enforcement to reach out to Step directly to continue to help. As of March 20, 2025
neither Truist or Law Enforcement have reached out to Step in regards to this matter.
Step continues to encourage Ms. ***** to follow the advice given and Step is happy to
work with both Truist and Law Enforcement.Customer Answer
Date: 03/24/2025
Complaint: 23043967
I am rejecting this response because:The police report and information from the bank was provided to ******** on multiple occasions. *********** closed their investigation and rejected the claim because it was over 30 days old so they sent me the information to forward to the merchants. ******** is the only Merchant who is making it difficult. I have resolved the claims with the other merchants with the same information that what provided.
******** have received the police report that was provided directly from the detective at the ********************. What else could they possibly need? This feels like an effort to get out of refunding the money.
I already provided all of the emails with the information that had been sent. There has been no way to reach out to a human being via phone.
******** accepted a fraudulent payment without my consent, and it is the correct thing to do to refund the unauthorized funds.
Sincerely,
******* *****Initial Complaint
Date:03/06/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a small business in *******, *********I utilize ******* *** for my point of sale processing for customers that buy products for me. On November 18, 2024 I receive my last payment processed from ******* since I changed my bank account information. I submitted information to ******* to process the change of my bank account number and routing number on December *******. ******* uses Evolve Bank and Trust to process the banking transactions. Since then Evolve Bank & Trust has not updated my bank information and all I am told is that my request is in the queue and my request has been elevated and that they are very busy. Evolve Bank & Trust has $34,687.11 of my funds. My ******* ticket ID is ************************************.Business Response
Date: 03/20/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through *******. We requested that ******* research the circumstances of the complaint. Please see their response below. Any further questions should be directed to ******* directly as they are the party responsible for handling disputes.
To facilitate the resolution of the ongoing situation concerning the bank account changes and the pending payments, it is imperative that the merchant uploads the requested documents associated with ticket ID ************************************, which was re-sent on February 13, 2025.While we acknowledge that the merchant submitted documents in December, it is important to clarify that those were part of a separate request managed by a different team.This team is exclusively responsible for handling payout releases and ensuring that all security protocols are adhered to in coordination with our banking partners.
Initial Complaint
Date:02/28/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am currently banking with **** who is under Evolve Bank and Trust. I currently have my payroll check deposited there without any issues.On 2/27/2025 I had my tax refund deposited into my count and paid bills and sales taxes for my vehicle which is a large amount, my car note and other bills. They have blocked my account I can not access my account. This is in acceptable. They will not speak to me they have hijacked account. I cannot review my account to see what ac Activity is going on with my account they refuse to speak with me. They have taken my money. I do not have access to my account or moneyBusiness Response
Date: 03/06/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****.We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to **** directly as they are the party responsible for handling disputes.
Ms. ****** encountering issues with the block on her account.This was placed for security reasons by our ***************** Block was resolved by 02/28/2025 01:38 pm PST. However, Ms. ****** decided to close the account the same 2/28 at 02:43 pm PST.Initial Complaint
Date:02/27/2025
Type:Billing 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.
This bank is debiting a dollar out of my account due to its partnership with ****. I am not going to file fraud with my bank account I just want them to stop debiting the dollar out. They say I did not correctly close out a membership however they will not reopen my account so that I can close out the membership. Please stop taking $1 out of my account every month.Business Response
Date: 03/11/2025
Evolve Bank & Trust works with several partners to provide banking products and services. The complainant's account was opened through ****.We requested that **** research the circumstances of the complaint. Please see their response below. Any further questions should be directed to **** directly as they are the party responsible for handling disputes.
Upon checking it seems that we tried to get all the information possible to see if the charge can be located, however there are no records of any recent settlement or any active account, so we encouraged member to contact her external financial institution to explore more options.Customer Answer
Date: 03/11/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.
Sincerely,
****** ********87 ***** Ln********, ** 39483
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