Insurance Services Office
Milliman IncHeadquarters
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Complaints
This profile includes complaints for Milliman Inc's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 60 total complaints in the last 3 years.
- 15 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:04/12/2024
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.
This company is sooooo shady and now after looking at the reviews on here it makes sense that these other poor folks dealt with my same issues I had with them. I requested a withdrawal pin to receive my savings well after I left my employer and Milliman said that they only mail them. After a month of waiting and requesting the pin multiple times due to not receiving the mail from them & speaking to multiple managers Milliman has the audacity to still tell me to wait for the withdrawal PIN code in the mail that they never send, and worse of all they make it the only way to verify your identity. Im sure this is ********** lawyer and I will be filing a civil suite because no 401k should be this difficult to withdraw from, I never had this problem with any other company but them. Its ashamed theyre even still operational, please whoever is reading this go to vanguard for your 401k plan or someone more reliable. ***** regret doing business with Milliman I promise you, I hope this helps others.Business Response
Date: 04/15/2024
The withdrawal lock process is in place for your protection and to ensure there is no unauthorized access to your account. You must request the code, which we provided the steps for you to do and you completed on 3/21. The code was not received because you changed your address. If the mail is not forwarded correctly from your prior address, you must go online to request a new code to be sent to your new address as we have communicated. Please contact us if you need assistance in requesting a new code.Customer Answer
Date: 04/15/2024
Complaint: 21568917
I am rejecting this response because I've requested a Withdraw PIN code on your website over 5 times already even when I was at the old address and never received the pin. I had my mail forwarded to the new address and got other forms of mail there just fine but not yours so your method of sending it clearly isn't working. My lawyer and I will be filing a civil suit tomorrow morning to expedite the process so either we can let a judge decide or you can call me and send me a direct deposit link to access the money you owe me to settle this matter. Thank you my number is: *************
Sincerely,
*************************Initial Complaint
Date:04/04/2024
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.
12/16/22 my bank sent $205.30 check number ****** by US Mail via my bank *******************. It was delivered 12/19/22. The remittance address is: Milliman HWAS, PO Box *****, *******, ** *********. It was the December health insurance premium payment due ******* 1st for ******* 2023.A few days prior to this, I got different insurance for ******* 1, 2023. I didnt remember to cancel this automatic monthly payment I had scheduled.I called in 1/24/23 and spoke to Zac. He took my information and told me he would call back in a few days when he was sending me my refund. My dispute is that they have never sent me my refund.I have called them many, many times. I have spoken to ***, **************************, and ****, and they all tell me they are going to take care of it. The problem is that they want me send them my personal bank account number so that they can expedite sending me my refund. They said it would expedite it by approximately two weeks. I told them I was willing to wait those two weeks. I always had checks mailed to them and I want them to do the same. Mail me a check! I do not indiscriminately give anyone my personal information like my bank account number! It was good enough for them to receive my check every month for years, so I think it is very strange and suspicious that they want my bank account number. ********************** Account number ******. .I do not believe they have truthfully tried to resolve the problem. I expedited to supervisor and he refused to resolve the issue.Business Response
Date: 04/11/2024
As a preliminary matter,the relief the Complainant seeks (i.e. refund for overpayment of January 2023 premiums via paper check) is scheduled to be mailed on or before April 11, 2024, effectively settling this matter.
From 2017 to 2022, the Complainant was billed on a monthly basis via paper and made payments through checks. Despite terminating her coverage as of December 31, 2022, her bank continued to send payments, and Milliman received a check for the January 2023 premiums on December 20, 2022. When the subsequent billing cycle was initiated, it indicated that a refund was due to her. According to Millimans refund policy,those seeking a refund must submit a direct debit form and provide their bank account details to enable a direct deposit refund.
In January 2023, the Complainant contacted our service center to inquire about the overpayment and potential refund.However, at that point, the next billing cycle had not yet commenced, therefore her payment had not been posted to her account, and no credit was indicated as being due.
Between February and March 2023, the individual had several interactions with our service center, during which it was confirmed that we had processed the overpayment, and she was entitled to a refund. She was informed about the refund process on multiple occasions, including the need to complete a direct deposit form. This form is necessary to gather the required bank account details to facilitate her direct deposit refund. However, no such forms were received and there was no further communication from the individual until November 2023.
In November 2023, the individual once again contacted the service center to inquire about the refund. She was again informed that we had not received the necessary direct deposit form and was further advised on the necessary process. There have been no further contacts since that time until we received this complaint.
Given that the individual has still not provided the required information for direct deposit, Milliman has made an exception to resolve this issue. We have authorized a refund of $205.30 via a paper check to be issued to the address on file. This check is scheduled to be mailed on or before April 11,2024, effectively settling this matter.
Upon payment, Milliman considers this matter closed. To the extent there are any follow up questions related to this response, please do not hesitate to contact us.Initial Complaint
Date:02/23/2024
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 first contacted Milliman when I left employment with the state at a caregiver for my mom nearly two years ago about cashing out my 401k and receiving the funds. At that time the money was less than 2400 dollars and they said I would have to wait two years before they could cash it out and send it to me. I have been checking in periodically because my daughter has been having extreme health issues hoping I could make an emergency withdrawal because her medications are thousands of dollars a month and always get the same answer. Now I messaged them two days ago as it has finally been 2 years and they say they can no longer issue me the money until I am 65 because it is over the amount of 2400 dollars! How is this legal?? As far as I understand it, when you leave an employer they have 60 days to issue you your 401k or roll it over into another 401k you elect???? Please help!Business Response
Date: 02/26/2024
The **** plan rules govern what when and how distributions can be taken. We explained the distribution rules in detail on 6/13/22 via our chat session and again on 2/20/24 and provided the detailed Summary Plan Description which outlines that any Caregiver with a balance of less than $2,400 who is termed and has no contributions for the last 24 months can take a distribution. Per the plan rules, Caregivers with a balance of $2,400 or more cannot take a distribution before age 65. Unless the balance drops below $2,400 due to market fluctuations,according to the plan provisions you will not be able to take a distribution until age 65.Customer Answer
Date: 02/26/2024
Complaint: 21335128
I am rejecting this response because:
During the conversation in 2022 I was told I would be able to receive the money if I waited two years. During that two years it obviously accrued interest putting it above the 2400 cut off and now I can't withdraw until I'm 65. That is my issue. I would have been eligible before the interest to receive it from a job I no longer hold but due to interest accrued during a waiting period I am no longer eligible to receive it for 34 more years.
Sincerely,
***************************Business Response
Date: 03/11/2024
During our initial conversation in 2022 we specifically reviewed the plan rules stating that a distribution would not typically be available until you reached 65, but that if the balance was less than $2,400 after 24 months of no contributions, you would be able to request a distribution at that time. As the balance is currently greater than $2,400 you are not eligible to take a distribution at this time.Business Response
Date: 03/11/2024
Milliman is required to administer the plan according to the plan document.Initial Complaint
Date:02/20/2024
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.
In August 2023, my late father received correspondence from TOC-IWA regarding an excess asset distribution from a terminated pension plan. The plan terminated May 31, 1986 and my father was alive and well. He passed in 2021 and TOC was aware of this as he was receiving a small pension. This letter indicated that Milliman Benefits would be the plan manager. Called TOC as the number printed on the letter was incorrect and was referred to Milliman Benefits. On September 11, 2023 I started my weekly phone calls to Milliman's call center. September 18, 2023, Milliman confirmed they had received the requested fax with my dad's DPOA, Affidavit of Non-Probate and death certificate to continue the process of distribution. I spoke to several reps at Milliman's call center, including Supervisor *****, with my last call on February 1, 2024. ***** was always unavailable despite being told that when I called, I was to ask for him personally. I was getting no where so I contacted the **** of ******************* who referred me to the **** of ******* ********************* in Washington state. I was instructed to get the form from TOC's website to complete despite the form being outdated and submitted it to Milliman. On January 31, 2024 I was given a ticket number to track the progress of creating an account to split the funds from the pool into my own account to distribute to my siblings. I have been told many times that a rep from Milliman would get back to me whether by phone or email and I've heard nothing from Milliman. I was told that the plan manager (*******) had to approve the transfer but he was not returning or responding to the 4 escalated emails submitted by call center ************ all this time, I was told that they are waiting for an answer as they are doing their due diligence as to entitlement. I am also concerned that fees will be taken from the benefit before I even get the money leaving nothing for us. I even sent a timeline of my calls to the ****** office.Business Response
Date: 02/21/2024
We have reached out to Benesys multiple times and are waiting on them to determine if you are eligible for the Excess Benefit payment. We will provide an update as soon as we have more information from Benesys.Customer Answer
Date: 02/21/2024
Complaint: 21321782
I am rejecting this response because: this is the same response I have been receiving since September 11, 2023. This should have been determined before the August 2023 letter was sent to my late father. They have had ample time to resolve this issue.
Sincerely,
***************************Business Response
Date: 03/13/2024
Milliman is the end user in the excess asset distribution process. We reached out to ******* who is the Third Party Administrator (TPA) of the plan and they have indicated that at the time the letters were mailed they did not know the participant was deceased. The determination of whether the beneficiary is *********** the benefits is determined by the plan. Milliman does not make this determination.Customer Answer
Date: 03/13/2024
Complaint: 21321782
I am rejecting this response because: TOC-IWA was notified immediately (early February 2021), by me personally, after my father's passing as he was collecting his pension from this plan.
Sincerely,
***************************Initial Complaint
Date:02/16/2024
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.
Union 775 uses millimin retirement benefits group and when I was vindicated after being fired I wanted to collect ...their web page says I can. The agent said I can fill out paperwork I filled out paperwork and got a call that I was declined...called a different agent same company and got a whole other story..this one said I would get it all but after I said I was vindicated and went back to work ( different client ) said I can't collect at all ? So contacted union and said opt me out please. Awaiting response still but don't believe I will hear from themBusiness Response
Date: 02/22/2024
We provided a copy of the plan rules via email on 2/13/24 as requested and will contact you today to review the details and assist in resolving the issue.Customer Answer
Date: 02/22/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
Date:02/14/2024
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.
My father *************************** worked for OPUBCO for 32 years and retired out with pension. He was one of 144 retirees who had their pension moved to Milliman and payments deposited into bank account. My father passed in January and my mother as well. My father was last to pass and if he had passed first the money would have gone to my mom. My mother passed first and so I was told by the company and ******** *************** his pension would go to the his estate. The first call I made I was told yes you will get it and let me get you to the person to get the paperwork filed and sent out. Then a different woman ***** came on and looked and said no I wasnt eligible and I said yes I am because he was last to die. There is a law in ******** that states if two spouses die within 120 hrs of each other the estate gets the annuity, life insurance etc if the beneficiarys are deceased. I was told to file a complaint with ******** *************** because this company is notorious for not paying families the left over pension. They just want the money to go back to them. I have emailed and called several times and they wont connect me to someone higher up or tell me how much is left of my dads pension. Calculating it from here he still has 15-20,000 left to give to his estate. They are claiming they CANT Reverse it and I know that isnt true. Hard losing two parents within 15 hours of each other but refusing the family what was left of his pension is wrong. I cant get anywhere with them so I am most likely going to go through legal action and I told them that. I can never talk to someone higher than customer service. He had ****** when he retired in 2008 so there is money there, but they are trying to s**** his family out of it. I have been polite but the emails from customer service are starting to get rude. What happened to the customer is always right and we want to help you. I havent had any of problems with his other company claims just Milliman.Business Response
Date: 02/23/2024
Our sincere condolences to you and your family. In reviewing the details and the benefits that were selected, there are no additional benefits to be paid to the estate. The annuity does not draw from an account balance, but was an amount based on the participants' lifetime and that of their spouse and as a result the benefit has ceased. Please note,Milliman is the administrator of the plan, and does not hold accounts for the pension. The ******** ****************** Pension Plan is governed by the Plan Document and not state laws.Customer Answer
Date: 02/23/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.***** called me today about my complaint and visited with me calmly and respectfully. He explained in detail that the monthly plan was a benefit for both parents till they passed. He stated my father transferred his pension balance to a different company in an *** account and that they dont hold the money. I said okay thank you for reading the laws, explaining in detail what was going on with his account. The manager ***** was very rude and told me I didnt have access to any of his pension and to send in death certificates. No compassion or anything for our family. The emails from customer service were also not polite. He apologized for her behavior and stated that is not how they treat their customers. I told him thank you for the information if she had gone over what they had and whom to contact things wouldnt have escalated to a complaint . He asked me to call him back if I had anymore questions.
Sincerely,
*************************Initial Complaint
Date:02/11/2024
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.
Milliman Intelliscript is in violation of HIPAA laws. Without my authorization they gathered some of my medical history and sent it to ****************************** Thus resulting in TheStandard dropping my term life insurance coverage. I am as healthy as can be. My test results on my physical condition is that of someone 10 years younger than my current age.The bigger concern is how did Milliman Intelliscript obtain my medical records without my consent???Business Response
Date: 02/14/2024
Milliman IntelliScript has not been contacted by the consumer, prior to filing his complaint. Upon receiving notice of this complaint, our Operations leadership team has reached out on 02/12/2024 to try to answer his questions and concerns. We left a voicemail with a direct phone number to reach a representative. Milliman was able to confirm that the consumer did sign an authorization for his information to be gathered and released to ********************** Company. We will work closely with the consumer to resolve any concerns and provide the signed authorization and any consumer report we hold if it is requested.Initial Complaint
Date:02/06/2024
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 tried to get some ************** with ************************ here in ******* and was told that I was denied due to coding on my medical records. I went to the doctor and I spoke with ***** and they told me to have this company reach out to them because something was coded as acute pancreas and they said that I was never send for this only Abdominal pain. This company is asking me to leave my last four of the **** on there recording and someone would call me back. I don't know anything about this company and I will not give this kind of information over the phone. I need to get this resolved as soon as possible and I told the insurance company that I saw my doctor on January 30th and he confirmed that he didn't order any thing for what I was denied for. I need this resolved as soon as possible. This has become very stressful to me for something I don't have any ideal as to why this is showing at this company. The address for the insurance company is ****************************************************************************** and the phone number is ********************Business Response
Date: 02/13/2024
Milliman IntelliScript received a voicemail from the consumer on 02/07/2024 indicating that information within her consumer report may be incorrect. The consumer did not provide enough identifying information to process a request for the consumer report, and our **************** team sent an email in reply on 02/07/2024 asking for her full demographic information for identification purposes. On 02/08/2024, our **************** team followed up with a voicemail to the consumer to request a call to discuss her concerns and obtain the necessary information. We will continue to work closely with the consumer to handle her case under the guidelines of the Fair Credit Reporting Act.Initial Complaint
Date:12/27/2023
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.
12-26-23 Company is not providing me with a PIN to access my account. ********************** mailed a temporary PIN and did not get delivered until it passed the 20 day expiration of the **** Company is not correcting the issue or giving me a alternative. I need to access this money on my birthday, which is next month. This company had my birthdate incorrect on an account that i have had for 29 years. They purchased my account, then made me work through multiple obstacles to prove my birthdate. Now they are not allowing me to register my account with them in a timely manner. They now have made me do a proof of existence form and have it notarized which i did. Still they have not remedied my situation.Business Response
Date: 01/03/2024
We contacted the fund office to request your information be corrected. Additionally, a representative from our call center team has contacted you to advise your account details have been updated and to assist in completing your online account registration and IVR pin.Customer Answer
Date: 01/03/2024
Complaint: 21062468
I am rejecting this response because:Although I was provided the appropriate login information to access my account through threats of legal action, I am now told that upon my 55th birthday that I will need to wait for their system to update and supposedly change its website to then allow me to request my funds. Presently there is NO OPTION provided by the website for a withdrawal, which includes documentation and forms; that are not currently available on its site. Milliman representatives are telling me I have to wait for the website to make this available to me. Let it be known, there is a law called the law of 55, in which, accounts of this nature must be made available for persons who own them to be allowed to have immediate access to his money. This company has made every effort possible, and now outside the law, to prohibit me, the owner of this money, to access it. I need access to my money on my birthday as provided by law on January 21, ****. Let this correspondence serve as a letter of intent to escalate to the courts and seek remedies as this situation has caused stress and undue financial burden in this current state of the economy and for a company to intentionally make my journey to access my money of 29 years a horrendous and hideous endeavor of which I will seek damages. I need my money as subscribed in the 55 law on my birthday, January 21, ****.
Sincerely,
***************************Business Response
Date: 01/18/2024
The Plan Document governs when withdrawals are available from the retirement plan. Under this document, a terminated person is able to take their withdrawal at age 55 (or older).Initial Complaint
Date:09/19/2023
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.
Milliman is the company that manages my ******** Communications Pension. I turn 65 in October and have been running reports and estimating my pension for about a year now. Every report I ran showed my "Single Life Annuity" at $1,834.98 and my "Lump Sum" to be $347,850.55. I requested my benefit election forms in August and the numbers were significantly different. The "Single Life Annuity" is $1,282.75 and the "Lump Sum" is $186,525.83. I called to ask them why and they said it look like there was an error in the calculation and they would get back to me. When the called back they said there was a "glitch in the system" and it over calculated every thing and they gave me a third set of numbers. The said the "Single Life Annuity" would be $972.35 and the "Lump Sum" would be ~$145,000 (they needed to do some calculations). I don't know what to do, or who to turn too. I feel like they are cheating at worst and very bad a their jobs at best.Business Response
Date: 10/05/2023
This participant is entitled to benefits from the ******** *ommunications Pension Plan as a result of being part of the acquired group of employees from GTE in ****. His benefit is equal to what he accrued at GTE (A) plus his accrual under the *itizens/******** formula for service after **** (*). As part of the transition to ********, the plan also guarantees that his benefit will be at least equal to what he would have earned at ******** as if he had always worked at ******** for his combined period of employment with GTE and ******** (*). In simple terms, he is *********** the greater of A+* or *.
When the claimant ran estimates on Milliman*enefits.com, the accrued benefit calculation produced $420 for the A benefit, $552 for the * benefit and $1,282.75 for the * benefit. The calculator incorrectly combined the * and * results. While this is an unfortunate result, we confirmed to ******************** that the correct result is the * benefit ($1,282.75), which was mailed to him in his package on 08/28/2023.We are updating the web for this issue on his calculation but also note that there is language on the web and in the benefit election packages mailed to him describing that the estimates are not final and ******** has the right to correct any errors since the terms of the Plan must prevail.
******************** also expressed concerned with the value of the lump sum. The lump sum value is determined based on the benefit amount he earned and on current interest rates. The $186,525 lump sum amount communicated in the 8/28/2023 package is correct.
We apologize for the miscommunication of benefits and encourage ******************** to contact us with any further questions he may have.Customer Answer
Date: 10/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************
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