ComplaintsforChime Financial, Inc.

• Initial Complaint

  08/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I called chime 08/10/2024 because i was charged on the wrong debit card from a company on 08/09/2024. The transactions all together was totaled to about $400. I told them how i was only able to talk a robot when i contacted the company & was told later on to speak to the company again.

  Business response

  08/19/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
  
  On August 10, 2024, ***** contacted us via phone regarding Sezzle **** transactions which ***** stated were paid by other means.
  
  To fully address *****'s complaint, we ask that ***** contact us to specifically identify any concerns or activity including the merchants name, the amount, and the transaction date for each individual transaction.
  
  We thank you for the opportunity to respond to *********************** complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer response

  08/20/2024

  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

  08/07/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  July 16th I used Chimes Mail a Check program to send money to a lending company for a down payment on a house. July 26th their bank, *************************** attempted to cash the check. July 29th they got a notice from Chime with a rejection to cash the check. When contacting Chime, they told us repetitively that it was cashed and they could not access it. July 30th ************************** filed a charge back to return the funds to me, as we found another method to complete the down payment. Since then I have had several calls with Chime and have received no assistance. The total amount for the check was $4100.00. This was my entire savings put toward this house and I have been left without this money or any sign that it would be returned to me. August 5th I called again and they created a claim to escalate the situation to find an answer. I was told that I would have a response within ***** hours on the matter. It is now August 7th and I have not heard from them or seen any activity on my account showing that my funds would be returned. I am at a loss at this point on what to do and am looking for assistance in any way to push then to resolve the problem. Chime send me a copy of the check from when ************************** attempted to cash it and the letter head includes Bank of America. I have not gotten any confirmation or explanation as to why they were involved in the matter. I would like this to be resolved quickly, as not having $4100 is causing much stress.

  Business response

  08/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On July 16, 2024, Micheal made a payment via check in the amount of $4,100.00 to Universal ******************* Of PA, LLC. 
   
  On July 29, 2024, Micheal contacted us due to the intended recipient having trouble in cashing the check. We informed ************;that the check was processed and already cashed on July 25, 2024. As a result, we requested copies of the cashed check to be sent to Micheal via email as soon as possible.
   
  On August 8, 2024, copies of the cashed check were sent to Micheal via email. 
   
  We have escalated *******'s complaint to the appropriate department for further review. We appreciate their patience while we review their account.
   
  We thank you for the opportunity to respond to ********************** complaint. If **************************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer response

  08/16/2024

   
  Complaint: 22108412
  
  I am rejecting this response because:
  I would like to see the funds returned to me as the recipient has never had the funds transferred to them. I would like to know where these funds may have gone if not to the intended recipient. We have been in close contact with Universal and they have confirmed several times that the funds never transferred to their account. It was only marked as a pending transaction. A chargeback was filed by the FED and processed by *************************** Files are attached confirming this.
  Sincerely,
  
  ***************************

  Business response

  08/21/2024

  Thank you for giving us the opportunity to follow up on ********************** BBB complaint.
  
  On August 16, 2024, we escalated *******'s complaint to the appropriate department for further review.
  
  On August 18, 2024, we notified ******* via email that the funds corresponding to the rejected check were returned to their account on August 16, 2024.
  
  Additionally, ******* may review their current and past statements through the Chime mobile app, and Micheal can download or print them at any time. 
  
  *******'s Checking Account statements can be accessed in the app by following these steps:
  1. Go to Settings
  2. Scroll to Documents
  3. Select Account Statements
  4. Tap Checking
  
  We thank you for the opportunity to respond to ********************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer response

  08/21/2024

  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

  08/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  $10,000 was stole out of account while I was incarcerated and they keep denying the dispute. There were 2 separate disputes. One for $3000 and one for $7000. They approved the $3000 one and have denied the $4000 four times now. I've uploaded a identity theft report, a police report, documentation proving that I was incarcerated during the time the transactions were made. I need my money back and they are steadily playing games.

  Business response

  08/14/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On June 26, 2024, Jimmy contacted us via phone regarding thirty (30) transactions totaling $7,637.10 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. Later on the same date, we notified **********;via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between July 1, 2024 and July 24, 2024, Jimmy made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on July 24, 2024, we notified **********;via email that our decision remains that no error occurred.
   
  On August 05, 2024, Jimmy inquired about reopening the case, and a rebuttal claim was opened.
   
  The rebuttal investigation is currently in process, and we are working to resolve ************;case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and **********;will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ************************;complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer response

  08/15/2024

   
  Complaint: 22100062
  
  I am rejecting this response because:  I have sent you guys all my documents that you have asked for.  Proof showing I was incarcerated when these transactions were made, as well as a police report... what else do you need? *** approved a dispute for $3000 during the same time as this $7000 was taken.  How does that make sense? The transactions were all at the same time. I even filed for identity theft and sent yal that documentation.... this makes no sense. I want my money back and if I have to sue, for what is rightfully mine, then I will most definitely do that!!! I just got an email saying yal denied my claim AGAIN!!!  I will not stop until I get my money back!!!  Do the right thing and quit stealing people's hard earned money!!!!

   

  
  
  Sincerely,
  
  ***********************

  Business response

  08/21/2024

  Thank you for giving us the opportunity to follow up on ************************;BBB complaint.
   
  On August 15, 2024, we notified Jimmy via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
   
  We have escalated the dispute referenced in ************;complaint for further review. **********;will be notified via email as soon as the investigation is completed.
   
  We thank you for the opportunity to respond to ************************;complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer response

  08/21/2024

   
  Complaint: 22100062
  
  I am rejecting this response because: this has been an ongoing issue since roughly May 20th.  It is now August 21st. I am extremely dissatisfied and disappointed that they are giving me such trouble, getting back what was mine to begin with. I am very sick. I need my money back so I can get my prescriptions that I have not been able to get since I got out of jail on June 19th.  I sent proof that I was incarcerated from Nov 02, 2023 until June 19, 2024. So how could I make transactions from jail? My money was stolen. I filed a police report and filed identity fraud. What else do yal want me to do to be able to get back what is rightfully mine!!!!  It's not fair and it's not good business. They have denied my dispute again!!!!  And I asked over 10 days ago if they would send me the paperwork on reasons why they denied my dispute the last 3 times and I have yet to recieve any paperwork stating why they denied my dispute. When I requested it, they said I would recieve it in 10 days and it's been well over 10 days and I haven't heard recieved anything from them. I want this settled asap. I've waited long enough for what is rightfully mine!!!!
  
  Sincerely,
  
  ***********************

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been banking w/ this entity for years more than 4-5yrs even applied for home loans and other programs throughout the acct. Last month I called because I was trying to use my act. since I get the 2 day pay in advance through them. Even certain institution that I work for ****************** Fultang, Metro Nursing and other staffing agencies. I called today around 08/04/2024 around 14:00-15:00Hrs. I was being xfered to all types of departments even after authenticating myself. I was made aware of a balance of roughly estimated close to $4 thats why they said they close my account. I spoke w/ **** that violated banking laws and federal laws by posing themselves to be of such people they not because everyone that has even worked for a banking institution know that for safety reasons, you don't ever give out your personal information, and work place safety. Not only did this person give me there name but also gave me there whole employee number. I asked for many thing which by law I have the right to under 15 USC 1681n federal statute which clearly I want enforced into this. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.I will be sending them a cease & desist letter as well to entail that I would like all my information removed from there software or data since it's my personal info w/ my own SSN. I tried to de-escalate the situation by just elaborating to them exactly what my inquiry is but for some reason he rather I be irate than to have a calm grown up conversation like most adults.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by El-*********************.
   
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************* N.A. or ************ N.A.; Members FDIC, provide their banking services.
   
  On March 28, 2024, El-hadjs account was closed due to a previous negative balance.
   
  Between April 25, 2024 and August 4, 2024, El-hadj contacted us via phone regarding their account closure.
   
  On August 4, 2024, our records confirm that the account was re-enabled, giving El-hadj full access to the account.
   
  Chime is required to securely retain your personal information to comply with financial crimes regulations and anti-money laundering rules. Therefore, we must retain your personal information in order to provide services safe from fraud, to El-hadj and other members. To learn more about the kinds of personal information that Chime collects and the purposes for which we share and use the information, we highly suggest El-hadj to visit our privacy policy: **********************************************************************************
   
  Our privacy policy contains information about requests you can make regarding Chime's use of personal information.
   
   If El-hadj experiences any fraudulent activity on their account, or if they have any further concerns, we advise that El-hadj call us at the phone number below and specifically identify any concerns or unauthorized activity including the merchants name, the amount, and the transaction date.
   
  We appreciate El-hadj for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate El-hadjs input.
   
  We thank you for the opportunity to respond to El-hadj Fofanas complaint. If El-hadj Fofana continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  08/05/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  Chime closed my account 5/29/2024, with a remaining balance of a little over $1900. I was informed that I would receive my closure check within 30 days. I called multiple times and was promised an expedited check within 3-5 business days on multiple occasions. Its going 3 months and I still do not have my closure check. This has put a huge financial burden on my and childs life. I am a month behind on bills. Im just looking for chime to send the money that I worked for and that is rightfully mine.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************.
   
  On May 31, 2024, after a complete review of **************;account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.
   
  The account remains closed and is not eligible to be re-enabled.
   
  Between June 5, 2024 and June 10, 2024, a check for the remaining balance on Raechels Checking account was sent to the address on file. Both checks were later cancelled.
   
  On August 6, 2024, another check for the remaining balance on ******** account was sent to the address on file. Please allow 7-10 business days for the check to arrive. We appreciate **************;patience on this.
   
  We appreciate ************;for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate ******** input.
   
  We thank you for the opportunity to respond to ********************* complaint. If *************************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer response

  08/13/2024

   
  Complaint: 22094915
  
  I am rejecting this response because:

  i Have been told multiple times that a check has been sent out and I would receive it within 5-7 business days. They also said I would receive an email to notify me its been sent out and I would receive a tracking number as well. I have not received anything. I do not feel comfortable closing this case until I receive my funds. 

  
  Sincerely,
  
  *************************

  Business response

  08/18/2024

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
   
  We understand how important it is for Raechel to receive the closure check for the remaining balance from their checking account. The check is already out for delivery and we request ************;to please allow 7-10 business days for the check to arrive. 
   
  We appreciate ************;for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate ******** input.
   
  We thank you for the opportunity to respond to ********************* complaint. If *************************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer response

  08/21/2024

  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

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Someone open an account with my information. I called because I was trying to open an account. They closed the fraudulent account. In the meantime I am not allowed to open an account. They say because of system limitations. They don't know how long it will take for me to be able to open an account. I'm being punished for something I didn't do and it on right. I am willing to provide photo ID if need be.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************* N.A. or ************ N.A.; Members FDIC, provide their banking services. Chime and our bank partners take identity theft claims very seriously and we actively investigate these claims in line with current industry practices, which are approved by our partner banks. Chime always strives to make improvements to our operations, especially as it relates to preventing unauthorized third parties from using another individuals personal information for illegitimate reasons.
   
  Our records indicate that on January 14, 2021, an application for a Chime Checking Account using ********'s information was submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment is true, and as a result the application was deemed to be authorized and the application was approved.
   
  After a reasonable investigation, Chime flagged and closed the account on August 4, 2024. In order to prevent further unauthorized activity, Chime additionally flagged ********'s personal information so no other accounts would be opened using ********'s information on Chimes platform.
   
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold ******** responsible for any activity on the account. Since ********'s personal information was used to open the account in question, ********************** recommends ******** take the following precautions to monitor their identity:
  Review their annual credit report for any unauthorized accounts/activity
  Contact the major credit reporting agencies to place a freeze on their credit report
  File an identity theft report at ***********************************;
  Additionally, as a technology platform that facilitates a banking experience, Chime is required to securely retain our member's personal information to comply with financial crimes regulations and anti-money laundering rules. Therefore, we must retain ********'s personal information in order to provide services safe from fraud, to them and other members.  
   
  At this time, the account remains closed and is not eligible to be re-enabled. Please note that were not able to change account numbers or create new accounts once theyre tied to ********'s personal information.
   
  We thank you for the opportunity to respond to ******************************* complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer response

  08/13/2024

   
  Complaint: 22093632
  
  I am rejecting this response because: I am being punished for something I didn't do. As a financial institution you I should have a right to open a account with you because I did nothing wrong. I am willing to send proof by my ID. All I want is to open an account. You should be able to close out that account and open a new one. Because this isn't my first time dealing with this type of thing. It happened at pnc bank years ago and I wanted to open an account and I had no problem with them. 
  
  Sincerely,
  
  ***************************

  Business response

  08/18/2024

  Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
  
  We understand the circumstances surrounding ********'s situation. 
  
  We appreciate ******** for sharing their feedback with us. We're dedicated to creating the best experience possible and greatly appreciate ********'s input.
  
  We thank you for the opportunity to respond to ******************************* complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer response

  08/19/2024

   
  Complaint: 22093632
  
  I am rejecting this response because: I can't get a straight answer. How long do I have to wait to be able to open an account with ********************? I shouldn't be punished for something I didn't do.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  08/05/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Chime is reporting an unpaid balance on my credit report and no seems to know how i can make the payment since the account is closed. I keep disputing it and they keep saying its accurate however they have not allowed me to clear the amount.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  On December 23, 2020, ********'s Credit Builder card was disabled due to delinquency.
   
  Please note that missed payment will cause the Credit Builder card to be disabled, and we will ask members to pay the overdue balance using automatic payments, transfers from their spending account, or an ACH before members can continue using their Credit Builder Card. If members do not pay the balance due in 60 days or more, the account will be closed, and we may report information about the Account to credit bureaus. Late payments, missed payments, or other defaults on the Account may be reflected on their credit report. 
   
  On February 21, 2021, our records indicate that ********'s Credit Builder account was closed due to missed payments. 
   
  On November 25, 2023, ********'s Checking account was also closed due to a previous negative balance. Due to Chime paying off the negative balance, repayment is no longer available.
   
  Chime reports information accurately to the three major credit bureaus. Our records further indicate ********'s account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  We thank you for the opportunity to respond to *******************************' complaint. If ******************************* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  There were 2 fraudulent transactions on my account and ********************** has informed me they cannot do anything at the moment. The transactions occurred in *********** and I currently reside in ********. I did not make the transactions and my account has a negative balance. Chime informed me that I could contact the businesses myself to attempt to get them blocked but I have no way of doing that with the little information I have.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************.
   
  On August 5, 2024, Kelsey contacted us via phone regarding two (2) transactions that were posted to their account. The transactions were still pending and Chime was unable to file a dispute until the transactions settled. 
   
  On August 6, 2024, Kelsey called us regarding the same transactions totaling $333.86 which Kelsey stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On August 8, 2024, we notified Kelsey via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $333.86 was posted to Kelseys account on the same day.
   
  We thank you for the opportunity to respond to Kelsey Musichs complaint. If Kelsey Musich continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  08/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I had attached all my documentations such as emails from chime as well as the law related to unauthorized transactions case number provided by the police officers.On Tuesday July 16th multiple cell phone devices including my mothers my and wallet was stolen out of my vehicle and all funds were transferred out of my account. I had called ******************** and filed a dispute immediately they had to seperate my disputes into 3 seperate disputes based upon the time the claims were settled from pending to posted. Once I filed all my disputes within a couple business days two of my 3 claims were immediately denied. I called chime expressed my concerns and was told I showed no evidence and to provide a police report as evidence. I had provided the police report immediately and was given a provisional credit on the dispute that was still open for the amount of two thousand which is attached to this. They had then reopened my other two disputes and within a few days denied it again. I do not understand how they can pick and choose which claim to offer provisional credit and which not too especially considering the facts that I did not authorize those transactions.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************.
  
  Claim ID: ********
  
  On July 18, 2024, ***** contacted us via phone regarding a Pay Anyone transfer totaling $3,778.00 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On July 19, 2024, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between July 19, 2024 and August 5, 2024, ***** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 7, 2024, we notified ***** via email that our decision remains that no error occurred.
  
  On July 19, 2024, ***** requested a copy of the documents we relied on in making our determination.
  
  On July 20, 2024, a copy of the documents **********;requested was forwarded to the email on file.
  
  Claim ID: ********
  
  On July 18, 2024, ***** contacted us via phone regarding two (2) transactions totaling $3,900.00 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On July 19, 2024, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between July 19, 2024 and July 31, 2024, ***** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 10, 2024, we notified ***** via email that our decision remains that no error occurred.
  
  On July 19, 2024, ***** requested a copy of the documents we relied on in making our determination.
  
  On July 20, 2024, a copy of the documents **********;requested was forwarded to the email on file.
  
  Claim ID: ********
  
  On July 19, 2024, ***** contacted us via phone regarding a transaction totaling $2,000.00 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 
  
  On July 20, 2024, we applied a provisional credit to ****** account for the full amount of the dispute. This credit was provided to allow ***** with full use of the funds while we completed our investigation.
  
  As part of our dispute investigation, we filed chargebacks for eligible transactions. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. Our records indicate we received compelling evidence from the merchant regarding *****'s dispute. On August 10, 2024, we concluded our investigation and determined no error occurred. ***** was notified of this on the same day.
  
  As a result, we also notified ***** that the provisional credit issued on July 20, 2024 would be reversed and the account would be debited on August 16, 2024. 
  
  On July 31, 2024, after a complete review of *****'s account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.
  
  The account remains closed and is not eligible to be re-enabled.
  
  We thank you for the opportunity to respond to ********************* complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I changed my direct deposit to chime. I live paycheck to paycheck. ****** has texted me that the direct deposit was charged for this paycheck. I would have received my money from ***** Fargo by today, and the others at work who have chime have been paid. I need my direct deposit like yesterday electric bill now past due ect. I have called them have no idea when my direct deposit will be available.

  Business response

  08/13/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  On July 22, 2024, ************;contacted us regarding a direct deposit they were expecting from their employer, which ************;stated was not posted to their account.
   
  Please note that It may take up to two pay cycles for the direct deposit switch to complete if the member doesnt sign up for direct deposit at the beginning of their employers payroll cycle. Upon receipt of **************;direct deposit, we post it to Raymonds Chime Checking Account Monday through Friday, excluding bank holidays.
   
  We thank you for the opportunity to respond to ********************************* complaint. If ****************************;continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

*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. ↩