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Business Profile

Credit Union

Ascend Federal Credit Union

Complaints

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

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Ascend Federal Credit Union has 27 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:05/16/2025

      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.
      Yes I've emailed several times and this new email on accounts they keep saying charge off the account was paid by *** 7 3 years ago. 3 years ago. Can someone fix something so simple because someone working behind the scenes is fraudulent telling me an account open not used. Please please!

      Business Response

      Date: 05/19/2025

      Ms. *********

      Thank you for reaching out to share your concerns. Our records indicate that there is a previously charged-off balance of $1,658.03 on your account. As a result of this charge off, you are currently ineligible for services with the credit union. Please note that while we cannot collect on the balance due to your bankruptcy filing, it still remains unpaid on your record with the credit union. If you choose to voluntarily pay this balance in full, we would be happy to revisit your request to open a new account.

      If you have any questions or would like to discuss further, please contact our team at ************. 

      Customer Answer

      Date: 05/27/2025

      Yes they received the paperwork they were paid.

      Business Response

      Date: 06/04/2025

      Ms. *********

      Thank you for your follow up.

      To clarify, filing for bankruptcy did not pay off your outstanding account balance. While your Chapter 7 discharge prevents us from collecting the charged-off balance of $1,658.03, the balance itself remains unpaid.

      If you wish to open a new account with *********************** the previous balance must be voluntarily paid in full.

      If you have any questions or would like to speak with someone further about this, please contact our team at ************. 
    • Initial Complaint

      Date:05/09/2025

      Type:Sales and Advertising 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 called the branch in **********, ** to inquire about the balance of my auto loan. The ***resentative stated that part of my monthly loan payment was for additional life insurance that I had zero knowledge about. I never requested nor approved this insurance. I have been paying on this loan for 5 years. I asked the *** if I would be reimbursed for the insurance and she said she believed I would, but would check and let me know. Never heard back. I called the corporate office and got the same. The gentleman said he didn't know and stumbled and didn't know what to tell me as did the *** in **********. I feel I should be reimbursed in some capacity for this additional charge for life insurance that was added into my loan payment.

      Business Response

      Date: 05/12/2025

      Ms. ****,

      Thank you for reaching out to share your concerns. After reviewing your account, our records show that you signed the loan document accepting the life insurance policy on April 23, 2020, and that a copy of the signed document was provided to you at closing. In addition, our records show that the portion of your monthly payment allocated toward this additional life insurance product appeared as a separate line item on your monthly bill, thus notifying you of the amount and purpose for the payment. Our records also confirm that, per your request, the policy was cancelled on March 26, 2025, and the life insurance fee was not charged on your April 2025 statement.

      As part of our procedures, refunds are only available if the policy is cancelled within 30 days of the loan closing.

      We value your membership and are happy to assist with any further questions you may have.

    • Initial Complaint

      Date:03/04/2025

      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.
      I have been banking here since I was a child and I understand when you overdraft you get a 25 dollar charge but the way they pile all the charges and you can even see them pending then at separate times once one goes negative the rest follows and it has an avalanche effect the last time I was charged 50 and this time they charged 75 plus just for my account going negative its very predatory and malicious.

      Business Response

      Date: 03/06/2025

      Mr. *********** A review of your account determined fees were accounted for appropriately on your account. For explanation of the way fees are assessed, please review the Member Agreement which was provided to you at account opening and is available online at **************************. The online app provides the current and available balances of your account. The current balance does not account for existing holds such as deposits and pending transactions. Your available balance is the amount of money in your account that is available for you to use. However, ACH transactions or other holds may impact the immediate availability of funds. You have the option to opt out of the Overdraft Advantage program; however, the items will be returned unpaid and could result in additional fees. For a list of applicable fees, please review the Rate and Fee Addendum: Checking and Savings Accounts, available on our website. If you wish to opt out of the Overdraft Advantage program, please visit a location nearest you or contact us at **************. 

      Customer Answer

      Date: 03/06/2025

       
      Complaint: 23021399

      I am rejecting this response because its still predatory to delay charges then pile on 25 3 to 4 times basically stealing money one charge I get multiple is scamming your customer.

      Sincerely,

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

      Date:02/04/2025

      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.
      This business app is trash. It has caused us more overdraft fees than I can count. The most recent time, this weekend, my wife paid bills and bought a few groceries as we havent been able to afford a full 2 weeks worth of groceries in over a year. Thinking we had enough money, as we do check our app as we pay things, we paid for what we could after our overpriced rent came out. So, we noticed on Sunday that 2 things had overdrafted despite us monitoring it, so we said, ok, well just pay it. So we took out money from my next paycheck to do this via an app through my work. So that was $100 worth of bills I cant pay my next paycheck already. We put the money in to cover what was missing plus 2 overdraft charges and the 2 things pending. Problem solved right? WRONG. More stuff dropped in that did not show at all, and the other 2 pending still got overdraft fees despite the fact we put money in. So in total for buying groceries and paying bills, we were overdrafted at least $200 dollars. When we called, 2 of the calls told us they would push it up to management and be called back. Never happened. The third time I spoke to a ****. I was treated like I was dumb and couldnt use their app. My app works just fine! She said. We did the math and they charged us od when we had money in the bank. She didnt care. She ended up refunding 2 of them. We are still -$207. We owe more in od charges than we do what we spent. Thats theft. I have a ***. I know how this stuff works. Its taking advantage of people during a difficult time for everyone. The app is complete trash and isnt accurate and it feels purposeful and the management is horrible. They dont care that their stuff causes this. If its not resolved and refunded Ill be switching banks. This isnt worth it. We have been with this bank for a long time as a preferred employee via *******, but if this is going to hinder my ability to pay my bills, Im forced to go. Lots of banks dont have overdraft charges anymore!

      Business Response

      Date: 02/06/2025

      A review of your account determined fees were accounted for appropriately on your account. For explanation of the way fees are assessed, please review the Member Agreement which was provided to you at account opening and is available online at **************************. The online app provides the current and available balances of your account. The current balance does not account for existing holds such as deposits and pending transactions. Your available balance is the amount of money in your account that is available for you to use. However, ACH transactions or other holds may impact the immediate availability of funds. You have the option to opt out of the Overdraft Advantage program; however, the items will be returned unpaid and could result in additional fees. For a list of applicable fees, please review the Rate and Fee Addendum: Checking and Savings Accounts, available on our website. If you wish to opt out of the Overdraft Advantage program, please visit a location nearest you or contact us at **************. 

      Customer Answer

      Date: 02/08/2025

       
      Complaint: 22898198

      I am rejecting this response because:

      Sincerely,

      ***** *****

      Customer Answer

      Date: 02/10/2025

      The reason that I rejected their response is due to the fact that the main issue is that their app does not accurately reflect what is actually in your account which lead to me over-drafting. Also, they completely ignored that I put money in to cover the amount over-drafted or the fact that they charged me two fees when there was money in the account claiming the pending balance was already showing over but my money that I put in did not count in the same way. They are using predatory practices and fees to prey on ********** individuals that they fill will not have the ability to fight back. 

      Business Response

      Date: 02/19/2025

      Mr. ******************* you for sharing your concerns. We have reviewed your account in detail, including the timing of your ACH deposit and your debit transactions.

      Our records indicate that on February 3rd, a $162 debit was processed before your $100 ACH deposit cleared. ACH deposits require overnight processing before funds become available, whereas in-branch and ATM transactions are generally credited immediately. Because your $100 ACH deposit did not clear in time and was not sufficient to cover your pending debit transactions, your account balance remained insufficient, resulting in the overdraft fees.

      For further details on how fees are assessed, please refer to your Member Agreement, which was provided to you at account opening and is available online at **************************.

      To help avoid similar issues in the future, we recommend scheduling deposits with sufficient lead time to allow for ACH processing or using deposit methods that provide immediate credit. Additionally, if you would prefer to opt out of our **************************** please visit your nearest branch location or contact us at **************.

      We appreciate your membership and are here to help if you have any further questions. 
    • Initial Complaint

      Date:02/03/2025

      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 have been a member of Ascend for many, many years. I am a single mom of two, with not too much wiggle room in my checking account, therefore I try to keep an eye on it everyday, if not twice a day, to ensure sufficient funds are always there, for any upcoming or reoccurring charges. Unfortunately at times, I have estimated wrong, and occurred an overdraft fee. However, because I pay such close attention to my account and ledger, there have been more times than not, that it seems Ascend will purposely hold a larger charge, until I do not have enough money in my account, then will post it, which results in an overdraft charge. At that point any small charges that were made (before the large charge) will then be put through, resulting in several more charges to follow for each one. Before I know it, within hours, my account will be overdrawn $100+ due to overdraft fees and the order they chose to post my charges. I have called Ascend many times to explain this, as well as the time frame of charges, only to either be told I am wrong and what they have is different, or there is nothing they can do. There has also been several times where I have been reimbursed some of the overdraft fees, either because of a fault of a consumer, a fault of my own, or a fault by Ascend. But nothing comes close to what this bank has gained while I have been a member here. Last year alone, I have paid 16 overdraft advantage fees, totaling $400. In the last 3 years, I have paid 72 overdraft advantage fees, totaling $1,800. SEVENTY TWO. In my time at Ascend I am not only heartbroken that, that amount of money has been taken from me as a single mom, and head of household, but Im at the point where I am seeking to move banks. I am aware some banks have been sued for operating in this manner, and I hope its only a matter of time before Ascend is investigated. I take responsibility for some of these errors, but I do feel this bank purposely posts charges in a way that favors them.

      Business Response

      Date: 02/06/2025

      Ms. *****
      A review of your account determined fees were accounted for appropriately on your account. For explanation of the way fees are assessed, please review the Member Agreement which was provided to you at account opening and is available online at **************************. The online app provides the current and available balances of your account. The current balance does not account for existing holds such as deposits and pending transactions. Your available balance is the amount of money in your account that is available for you to use. However, ACH transactions or other holds may impact the immediate availability of funds. You have the option to opt out of the Overdraft Advantage program; however, the items will be returned unpaid and could result in additional fees. For a list of applicable fees, please review the Rate and Fee Addendum: Checking and Savings Accounts, available on our website.If you wish to opt out of the Overdraft Advantage program, please visit a location nearest you or contact us at **************. 

      Customer Answer

      Date: 02/06/2025

       
      Complaint: 22895600

      I am rejecting this response because: Per usual, my concerns get dismissed, telling me to refer once again to the member agreement. I highly advise anyone to bank with this company, as they will take no accountability for their own errors on posting dates and times, and what order they choose to send things through, causing you to incur numerous overdraft fees. I have tried to cancel this feature several times over the phone, to have only been persuaded & pressured to keep it on my account by the representative, stating the doom & gloom of what will happen if I overdraft my account and do not have this particular service on it. It is a money grab, and I am ashamed a credit union treats their customers this way. Especially a customer that has paid over 1.7k in overdraft fees over the last 3 years. 

      Sincerely,

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

      Business Response

      Date: 02/11/2025

      Ms. ****,

      We appreciate you taking the time to share your concerns. We strive to provide our members with clear information about our services, including Overdraft Advantage, so they can make informed financial decisions. We would be happy to assist you with canceling Overdraft Advantage if you no longer wish to have this service on your account.An ********************** representative will reach out to you to process this request.

      If you have any further concerns or need clarification, were here to help. Thank you for being a member of Ascend. 

      Business Response

      Date: 02/11/2025

      Ms. ****,

      Thank you for reaching out to share your concerns. We understand your frustration and want to assist in resolving this matter.

      As a courtesy, we are able to offer a one-time refund of $200 in overdraft fees if you choose to opt out of our Overdraft Advantage program. If youd like to proceed with this option,please let us know, and we will process both the refund and the removal of Overdraft Advantage from your account.

      We appreciate your membership and are happy to assist with any further questions. 

    • Initial Complaint

      Date:12/07/2024

      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.
      I have been a loyal customer of ********************** for many years. I have several different loans and accounts through them. I have never missed a single payment, nor have I ever asked for help from them. My car payment is extremely high. Much higher than it should be with my credit score being excellent. According to their website, they offer a skip-a-pay program twice per year for accounts open at least six months. When I inquired about this, I was told that the account must be open for a year, regardless of what the website says. Therefore, I didnt qualify. She then offered to have my payment deferred for one month, if approved. Which is basically the same thing, except you have to explain your financial hardship. My financial hardship is simply the fact that it is Christmas time and I have two small children at home that wont get anything if I have to pay this extremely high car payment. This wasnt good enough for them and they refused to defer my payment, claiming that my situation is not a financial hardship. I am extremely upset that this credit union claims to care about the people they serve, and work hard to help them in any way possible, yet they wont simply defer my car payment for one month, even though I have been loyal for years and never missed a payment. This shows how much they actually care about me and my family. I dont feel like I asked too much. If they cant do this one simple favor to help get me through the holidays, then they definitely wont be there for me if I need them in the future. I will likely be taking my business to another local credit union next week to have all of my loans transferred.

      Business Response

      Date: 12/11/2024

      Dear Ms. ********************* you for sharing your feedback regarding the Ascend *****a-Payment program. Participation in the program is evaluated on a case-by-case basis, taking into account specific account details and program requirements. As noted on our website, to be eligible for this program, your loan must be in good standing and no more than 7 days delinquent. Eligible members are allowed a maximum of two skips per any rolling 12-month period,subject at all times to credit union approval. Further, Ascend applies a blanket policy that all accounts must be open for at least one year to qualify.Nowhere does Ascend advertise that members are eligible after only six months. 

      While we understand this may not be the outcome you were hoping for, we have carefully reviewed your request and have determined that your loan is not eligible for payment deferment at this time due to it not having been open for the requisite length of time.

      If you have additional questions or would like to explore other options, our ************** team is available at ************ and happy to assist.
    • Initial Complaint

      Date:11/06/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      An ACH for $1,468 was sent from my checking account to ************************** on 6/28 for a flood insurance premium due 7/1. On 7/20 I received a notice that my flood insurance had lapsed due to non-payment. I immediately notified my agent with documentation for proof of payment. I never heard anymore so thought everything was resolved. We relocated from ******* to ********* 7/8/2024 so I requested a prorated refund of my premium. I was informed then informed that I didn't have any insurance due to nonpayment. I was never notified that the original case had been closed by Ascend. I have attempted to have Ascend take fiduciary responsibility for the misplaced payment. I was told that they have no responsibility.

      Business Response

      Date: 11/13/2024

      Mr. ****,

      Ascend has reviewed your account and determined a ticket was opened with Bill *** on October 14th regarding the payment to your insurance company. We verified the ticket is currently open, and Bill *** is actively working to resolve the dispute. Bill *** notified Ascend that the funds were received by your insurance company.However, the insurance company has stated they need to speak directly to you to issue the refund. Please contact the insurance company at your earliest convenience. If you have any questions or concerns, please feel free to contact us at **********************. 

      Customer Answer

      Date: 11/14/2024

      I need a phone number and person's name I need  to talk with at Foremost. **** ****, Complaint #********

      Customer Answer

      Date: 11/14/2024

      I need a phone number and person's name I need  to talk with at Foremost. **** ****, Complaint #********

      Business Response

      Date: 11/22/2024

      Mr. *****

      Thank you for your follow up.Ascend has confirmed that the payment in question was successfully transmitted to your insurance company. As previously mentioned, the insurance company has indicated they need to speak with you directly to issue the refund. For assistance, we recommend reaching out to ************************** through the contact information provided in your policy documents or correspondence from them.

      If you have additional questions or require further assistance, please contact us at *********************. 
    • Initial Complaint

      Date:11/04/2024

      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.
      I have experienced significant health issues that have affected my financial situation, leading to late payments on my car loans.I'm currently on SSDI social security disability Income. i have communicated my circumstances to Ascend Federal Credit Union Despite this , they still have reported my accounts as late for the months or least i know of 19 times.. i have not recieved any satisfactory results. the negative reporting has severely impacted my credit score making it difficulty for me to secure necessary financial resources . i kindly request that the BBB assist in mediating this issue, as i believe that ascend should reconsider their reporting in light of my circumstances. i have included a copy of my documentation from ******************************. thank you for your attention to this matter

      Business Response

      Date: 11/13/2024

      After thoroughly reviewing Mr. ******** account and the records related to his car loan, we can confirm that our reporting reflects the account status accurately. While we appreciate Mr.******** efforts to communicate his circumstances with us and his willingness to work with our Asset Recovery team, the account status is considered delinquent. As a federally regulated credit union, we are required to report credit activity accurately to maintain transparency and comply with the Fair Credit Reporting Act (FCRA).

      We encourage Mr. ******* to continue working with our Asset Recovery team on loan payments. Should Mr. ******* have any additional questions about his account, our team is available to provide assistance and discuss potential options.
    • Initial Complaint

      Date:04/25/2024

      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.
      I have lost more than $2000 to Ascend. They are continuously charging me overdrafts and automatically transferring money out of my savings when I am not in the negative. My statement ended on 3/31/24 - $3043.00 but the banks balance on the computer says it was negative. How can the bank who generated the statement have a different balance? So thats how the system started charging me OD fees. They have charged me over $500 in overdraft fees and now they are transferring money out of my savings when my balance is $700.00 before the transfers.I have been into two banks and they have had to reverse charges because something is wrong with my account. I am very happy with the fact they reversed the charges both times. ****** at the call center helped tremendously trying to explain but I am extremely unhappy with Ascend and I hope this ****** anyone from them. I am seeking a response from anyone at Ascend showing me that if you take the balance as of 3/31 and subtracted all my charges plus deposits - it would have generated any reason for an overdraft or an automatic transfer. This is AFTER they reversed the overdraft fees and now are taking money out of my savings. My balance as of 4/17 - $2400 after my paycheck was deposited. 4/22 - they transferred $161.93 out of my savings even though my balance in checking was $342.4/22 - they transferred $12.20 out of savings again even though my balance was $350 4/23 - they transferred $196 out even though balance was $261 4/24 - they transferred $35 balance was $379 I need someone at Ascend to look at these and please try to understand what I am seeing. Every time I speak to someone at Ascend - our balances are not matching up. That is not correct because my balance amount is following the statement which should be correct?Thank you to anyone who has put any effort into understanding this or helping me with this situation. And thank you to ****** for trying to help me. She deserves employee of the year.

      Business Response

      Date: 05/05/2024

      **************, Thank you for taking the time to leave us your feedback so we can continue to improve our member experience. Our team has attempted to contact you via phone and email to address your concerns. Please give us a call at ************ so we can assist you with this matter. Thank you for your membership with Ascend. 
    • Initial Complaint

      Date:04/22/2024

      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.
      I am not liable for this debt with Ascend Federal Credit Union, I do not have a contract with Ascend Federal Credit Union, they did not provide me with the original contract as I requested.

      Business Response

      Date: 04/23/2024

      Thank you for taking the time to leave us your feedback so we can continue to improve our member experience. Our team has attempted to contact you to address your concerns. Please give us a call at ************ so we can assist you with this matter. Thank you for your membership with Ascend. 

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