Important information
- Customer Complaint:BBB's profile for Afterpay opened in April 2019. A review of complaints was completed in November 2024. Consumers with issues concerning refunds on their installment payments are encouraged to visit Installment Agreement - USA and I need help with a refund / return.
Complaints
Customer Complaints Summary
- 3,381 total complaints in the last 3 years.
- 876 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:04/07/2023
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.
I went to place a order from Dicksporting goods but the item was never finalized and Afterpay charged me for the item I sent them plenty of messages about this matter and also I contacted Dicksporting goods regarding this.they said it canceled on their end so Afterpay should see it and remove it off your account as of today they still have not removed those charges they keep giving me the the run around about itBusiness Response
Date: 04/12/2023
Thank you for getting in touch regarding *********************************** order with Dicks Sporting Goods. Our customer experience team has reached out to ****************** to address her concerns.
Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront and in turn, you pay us back over four installments. Since we pay for your order in full at the time of approving it, the merchant is responsible for issuing a refund back to Afterpay when warranted.
In the event that an order is approved through Afterpay but canceled with the merchant, a refund notice from the retailer is sent to our system to void the order. This notice prompts our system to process the refund.
Once the return is processed by the merchant and the refund is communicated by the merchant to Afterpay- it automatically drops through to us and your Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward.
In reviewing ****************** account, we confirmed that the refund notice from the merchant to void her order was not received, delaying the refund process. On 4/12/2023, a refund was processed to her account, prompting our system to cancel the installments and refund the initial payment. The funds should clear into her account in 5-7 business days (standard bank processing time).
We appreciate ****************** patience while waiting for the refund to process.
Sincerely,
Afterpay TeamInitial Complaint
Date:04/07/2023
Type:Product IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I used Afterpay to pay for a purchase on 3/11/2023. The merchant misdirected the shipment and I never received the goods. The merchant refuses to take responsibility for the mistake. I went to Afterpay hoping they would intervene or provide a refund since I have proof from **** that the shipping info did not match my address. Afterpay keeps telling me to appeal to the merchant. At this point the merchant has stopped responding and I don't have my package.Business Response
Date: 04/12/2023
Thank you for getting in touch with us regarding ************************************* refund concern with their knowfashionshow purchase. Our customer experience team has reached out to ****************** to address their concerns.
Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront and in turn, you pay us back over four installments. Merchants are responsible for issuing any refunds owed back to the designated Afterpay account (in accordance with their policies). They have full ownership over their shipment, return and refund policies and the timeframes associated with them.
Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward.
In reviewing ********************** account, we can confirm that the refund has been issued. On 4/12/2023, a refund for $22.23 was issued to the card on file. The funds will clear into the account in 5-7 business days (standard bank processing time).
We appreciate their patience while waiting for the merchant to process the refund.
Sincerely,
The Afterpay TeamCustomer Answer
Date: 04/14/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********. After confirming the information with my bank, a refund has indeed been issued and find that this resolution is satisfactory to me.
Sincerely,
*****************************Initial Complaint
Date:04/07/2023
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.
I used afterpay to order on Amazon, but the order was immediately cancelled, as I decided to use a different form of payment. Despite this, afterpay has charged my bank account $14.48 on April 4, 2023. They plan on taking out additional payments in the amount of $14.48 three more times, occurring bi-weekly from 4/2/23. I requested that this money ($14.48, so far) be refunded to me as the order was never completed and I certainly didnt receive anything. I have requested this multiple times through the app/email m, but all I keep getting is scripted responses. They arent even READING what Im explaining. I cannot cancel it myself or **** it as goods not received as they requested, because the amount says pending and I cant even click on the order.Business Response
Date: 04/11/2023
Thank you for getting in touch regarding ********************************* Amazon order. Our customer experience team has reached out to ****************** to ensure his concerns are properly addressed.
Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, our customers pay us back over four installments.
Depending on the store the customer shops at, ********************** will generate a Single-Use Payment method for the customer to use at point-of-sale. This card is created to be used for a one-time checkout and should not be stored for future use on the customer's account.
In ******************** case, she placed an order for $57.90 with Amazon using Afterpays Single-Use Payment method. The card was intended to be used for this order however since her order was not fulfilled by Amazon and the refund for her original order was not yet processed, Amazon used the Single-Use Payment method to pay for additional purchases made on the customers Amazon account. This can happen when a customer saves the ********************** card as a payment method with their Amazon account.Whilst this may not be for the items she was intending to purchase, the money has paid off her order to Amazon on her behalf. ****************** should be able to match this up in her Amazon Account. By navigating to her Amazon transaction page, she will see a charge for $8.55 with the same last 4 digits of the Afterpay card.
We appreciate her patience while our team worked to address her order and invite her to reply if he has any questions or concerns.
Sincerely,
The Afterpay TeamInitial Complaint
Date:04/07/2023
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 have been a long time customer of ********************** so much so that I had a credit limit in the thousands. In January my father-in-law died unexpectedly and had not enough life insurance to cover his funeral services so my husband and I had to come out of pocket to pay these at the time I owed after pay around $700 and set up a payment arrangement because I did not want to lose my account or my credit. I paid off the payment arrangement in full and earlier than arranged and expected to have my account back as discussed I was informed by **** a representative of Afterpay that my limit would only be $100 because I had to prove that I was a responsible spender and I had multiple late payments not only was that insensitive, but it was also incorrect.I have never had a late payment with Afterpay. I even set up the payment arrangement before the due date and my irresponsible spending was not the reason for a payment arrangement a death in the family was, so to say that I am an irresponsible spender and thats why I cannot have my original account back is disgusting and say some point libel. I even asked for a $250 limit because going from almost $2000-$100 is a drastic difference again the representative told me that my irresponsible spending was the reason for such a small limit so I deleted my account.Business Response
Date: 04/12/2023
Thank you for getting in touch with us regarding ********************************* recent experience with her Afterpay spending limit. Our customer experience team has reached out to ************** to assist with her concerns.
We are a budgeting service, committed to promoting Responsible Spending. The spending limit on an account is the estimated amount that customers can spend using Afterpay and may change based on a variety of factors including payment history. In ****************** case, her account was placed on a payment arrangement per her request due to a family emergency. Once reinstated her spending limit was set at $100 to ensure we are in line with our commitment to responsible spending.
As customers continue paying their installments on time, it will positively impact their repayment history and our system will reassess their spending limit.
Our customer experience analyst has emailed ************** to provide her with additional information regarding the changes to her Afterpay account. We encourage her to reply if she has any questions or concerns.
Sincerely,
Afterpay TeamInitial Complaint
Date:04/07/2023
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.
Afterpay refuses to update my phone number on my account. They asked for proof of ownership of the new phone number. I provided a ******** bill that shows name ***** Jhene *********. Jhene is another name I use but is not on my drivers license because my name on my driver's license would be too long and it's just a second alias name. Afterpay representative called me and verified my phone number by asking security questions and sending security code to my new phone number. They still refuse to change it and have even confirmed that there is another customer using my phone number. Instead of freezing that person's account, they froze mine. I have gone back and forth with them without success. I feel this is punitive actions on their part against my account since I filed a previous complaint against them for another matter. My account is in good standing, I've provided proof of ownership and legal IDs and they verified phone number twice by calling me. They are allowing unauthorized use of my number on another Afterpay customer's account.Business Response
Date: 04/11/2023
Thank you for contacting us regarding *********************************** concern regarding her phone number being used by another customer. Our customer experience team has reached out to ********************** to assist with her concerns.
When customers sign up for Afterpay we require them to fill in their personal information. This includes but is not limited to their phone number, email address, and name. To limit any violations of our terms and agreements this information is only added to one account at a time and cannot be repeated on multiple accounts throughout our platform.
In ************************ case, her new phone number was previously linked with another Afterpay account. After reviewing her documents we can confirm that she is the owner of the phone number in question and it has since been removed from our platform. ********************** is now free to update her account details.
We have provided ********************** with this update as well as the information needed from her to reinstate her account.
Sincerely,
The Afterpay TeamInitial Complaint
Date:04/05/2023
Type:Product IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I used Afterpay to purchase an order from ******* that was supposed to be delivered 10/8/22. I did not receive the order and ******* submitted a refund. I did not get an update from Afterpay so I contact them and was told to contact ******* who confirmed with me that a refund was sent to Afterpay. I have gone back and forth between After pay and ******* . I sent all receipts to show proof of refund and an email from ******* detailing the transactions of the refund and still I was not issued back a refund of $97.61 from Afterpay. I continue to get a response from Afterpay just stating their refund process and No resolve.Business Response
Date: 04/07/2023
Thank you for getting in touch with us regarding **************************** refund with ******** Our customer experience team has reached out to **************** to assist with her concerns.
Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront and in turn, our customers pay us back over four installments. Our partnered retailers take full ownership over return and refund policies if one is needed.
Normally, when refunds are processed, merchants send the refund directly to the Afterpay order, which would prompt Afterpay to reduce the remaining balance you owe or prompt Afterpay to refund the installments you've paid.
**************** provided screenshots that confirmed she received a refund directly to her debit card for the returned items. Since the refund was applied by the merchant to her card directly, her payment schedule remains unchanged because Afterpay's system has not been told to adjust the amount owed based on her refund. As a result, the Afterpay order continues to process the scheduled payments as outlined in the installment agreement.
The money she received from ******* should then be used to pay the remainder of her order with Afterpay.
We invite **************** to reach out to Afterpay if she has any questions or concerns.
Sincerely,
The Afterpay TeamCustomer Answer
Date: 04/08/2023
Complaint: 19901294
I am rejecting this response because:I paid ******* with a virtual card received from Afterpay ending in 6031.
******* credited the card received and never received a debit card from me because that is not even an option. I am sure you can confirm that with *******.I do not own any cards with the last four digits indicated in the receipt. It is very disappointing that no one n Afterpay is taking the time to look at the transactions! They need to review the card given to me to make the payment. Why would I not know my own debit card number? No one is looking at the facts but is very quick to send a email that is incorrect. Please correct the issue.
Sincerely,
*****************************Business Response
Date: 04/13/2023
Thank you for providing **************************** feedback regarding her ******* refund concerns. We escalated her concerns to **************** for further review.
After further investigation, we can confirm the refund for her order in the amount of $97.61 was processed to the preferred card on file. The funds clear into the account in 5-7 business days (standard bank processing time).
Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward.
We have been in contact with **************** regarding her refund concerns and invite her to reply if she has any additional questions.
Sincerely,
The Afterpay TeamCustomer Answer
Date: 04/18/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*****************************Initial Complaint
Date:04/05/2023
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.
My third scheduled payment of $53.11 was taken from my checking account, correctly. After my payment was processed, Afterpay placed 12 additonal holds on my checking account totaling $656.04. Six are for $53.11 and six are for $56.23. Doing this has thrown my checking account in the negative and I cannot buy groceries or gas or ANYTHING for my family. They have no phone number to call so I messaged them on 04-03-2023 via the app. It took at least one business day to get a call back and the person that got back to me could have cared less that this is an urgent situation. He said I was on recorded phone line and guaranteed me someone would call me back that same day. No one has called and I have sent hundreds of messages via the app. Now, when I try to message via the app, Afterpay has disabled that functionality for me. I have emailed them and they said it will take 5 business days to get back to me. In the meantime, I cannot feed my family. I have always been a good customer with ********************** and my payments are ALWAYS made on time. This is fraudulent and illegal activity and Afterpay, by ignoring me, is refusing to correct their error. I have begged them for help and no one will even get in touch with me by any method. How can they do ths? How is this legal? All I want is for the 12 holds to be removed/reversed/deleted/eliminated from my checking account today. PLEASE HELP.Business Response
Date: 04/12/2023
Thank you for contacting us regarding *********************************** recent experience with Afterpay. Our customer experience team has reached out to **************** to assist with her concerns.
Afterpay may conduct pre-authorization on the specified card as a security precaution, and to ensure that the approved order can be repaid. The amount will vary by bank but will never be greater than the installment amount(s) due for the order. The pre-authorization is immediately voided or reversed by Afterpay. Only installments that are due as outlined in the payment schedule will post to their bank account.
In some instances, we have seen that banks do not always process the pre-auth and void simultaneously as per our instructions. This means that the pending auth remains on hold for a period of time, but eventually releases back to the bank account. This should not be the case, but it is beyond Afterpay's control as to how banks process the pre-auths and voids. We can confirm that the pending charges were removed on 4/11/2023. **************** should be receiving a void from the pending transaction from her bank typically within the next few days.
We welcome **************** to contact us if she has any further questions or concerns.
Sincerely,
Afterpay TeamCustomer Answer
Date: 04/13/2023
Complaint: 19900543
I am rejecting this response because:****** at Afterpay sent me a response stating 'Afterpay may conduct a preauthorization as a precaution' and I totally understand that. What Afterpay has never acknowledged and has never addressed and never apologized for is the fact that the balance I owed at that time was a little over $100.00 and Afterpay pre authorized 12 separate transactions on March 31 at for a total of $656.04. Afterpay states, above, that the preauthorization will NEVER be greater than the installment amount due for the order. By Afterpay stating that tells me they have not researched my issue at all. On March 31st they took $53.11 out of my checking account for my 3rd installment. I'm fine with that as that was our agreement. But AFTER my payment was already taken from my account, Afterpay placed 12 ADDITIONAL holds on my checking account totaling $656.04. So what Afterpay states above is a lie. Because Afterpay did this, they threw my checking account into the negative and I could not buy gas or groceries for my family. I asked Afterpay to tell me how this happened and why this happened? I asked them for a phone call on 04-12-2023 so we could discuss. I asked ****** at Afterpay NOT to ignore my request for a phone call and conversation as I have requested a call from Afterpay many many times in the past and when I was promised a call, no one ever called. As per the norm, I have NEVER received a call from ******. This company has never acknowledged the mistake they made, they've never apologized or contacted me as requested. They have unethical business practice.
Business Response
Date: 04/19/2023
We appreciate you providing ********************************* feedback regarding our customer service. ********************** strives to provide service excellence in every interaction made with customers. 100% of Afterpay interactions are recorded for quality assurance purposes. We are in the process of reviewing all communication interactions with **************** and will take the appropriate actions, if necessary.
Our customer service team manager will reach out to **************** directly, to discuss her experience and any outstanding issues she may have. We invite her to reply when she has a moment.
Sincerely,
Afterpay TeamCustomer Answer
Date: 04/22/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
Date:04/05/2023
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.
Placed order on Tatcha.com using the payment service Afterpay. Order arrived incomplete and missing items, receiving only 3 out of the 8 items ordered. Amount disputed is $573.80 of the $664.69 total. Contacted merchant and they refused to help, recommending to open a dispute with the financial institution Afterpay. Contacted Afterpay but they keep deferring to the merchant, refusing to open a merchant dispute. Afterpay claims that the merchant has direct control over their return and refund policies, but this dispute is regarding neither of those - it's for an incomplete delivery of goods promised. Afterpay is failing to open a dispute and offer consumer protection services.Business Response
Date: 04/12/2023
Thank you for contacting us regarding *************************** order discrepancy with the merchant ******. Our customer experience team has reached out to ************ to address his concerns.
Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, our customers pay us back over four installments.
Per the agreement, merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated Afterpay account. Our partnered retailers take full ownership of their shipment, return, and refund policies. Until the merchant issues a refund, your payment schedule remains in place according to our agreement. More information on our Installment Agreement can be found through this link - ***************************************************************.
We understand that order discrepancies occur. When this happens, we recommend that our customers remedy the situation with the merchant (according to their policies) if possible. Contacting the merchant directly is typically the quickest resolution method.
We appreciate this is not the outcome ************ is looking for. We hope he can resolve this matter with the merchant with a successful outcome.
Sincerely,
Afterpay TeamInitial Complaint
Date:04/05/2023
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.
I placed an Amazon order through Afterpay on 03/28/2023. My order total was $186.00. I had to pay a down payment of $46.50 at the time of purchase. I received a notification from Amazon that they attempted to ship my order on 04/01/2023 but the card (which is an afterpay card) had expired. The card expiration date was 03/23. I ended up cancelling the order in hopes to repurchase once it was cancelled to correct the card expiration date issue. I have contacted Afterpay numerous times to be refunded for the down payment I paid as well as having the installment for that order voided due to it being cancelled. Afterpay keeps advising me that Amazon is the one to refund me however every time I contact Amazon they advise that since the order was canceled & never shipped they did not charge me as they couldn't because the afterpay card was expired. I have provided proof that the order was canceled & afterpay still will not refund me and void out the installment on this order. Amazon has also sent afterpay an email confirming the order was cancelled & I am due the refund. Afterpay continues to give me the same exact response. I still have not been refunded & there is still an active installment on a purchase that was cancelled & never shipped/received. I just want my refund of the down payment & this installment cancelled. This is the worst customer experience I have had with online purchasing. All they have done is give me a generic response & not actually try to help me resolve the issue. Afterpay keeps putting this off on Amazon when this is an afterpay issue.Business Response
Date: 04/07/2023
Thank you for contacting us regarding Ms. *********************************** concerns regarding her Afterpay Account.
At this time we can confirm that a complaint resolution specialist reached out to ****************** on 4/05/2023 to assist her with a refund request. We ask that she reply so our team can further assist with her concern.
Additionally, our team is readily available around the clock to address customer inquiries digitally. We also provide support through our *********** located on our website at afterpay.com.
We will continue to work with ****************** until her issue is resolved.
Sincerely
The Afterpay TeamInitial Complaint
Date:04/05/2023
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 installed Afterpay in our website www.salualingerie.com to allow our customers to pay in installments. That was about a year ago in January 2022 and to this date we havent received payments from Afterpay. They basically take the money from our customers and dont deposit it in our bank account. *** tried reaching out to them 3 times during this year and they leave my support ticket open without ANY resolution. The last customer support representative said she was going to scale my case and to this day, nobody has follows up with me or responded. Its frustrating and unfairBusiness Response
Date: 04/06/2023
Thank you for contacting us and making us aware of this issue. We are sorry to hear about Ms. ****** KDavid's experience. A member of our *********************** team is investigating her concern and will follow up with her shortly via email to help.
Sincerely,
The Afterpay Team
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