Complaints
Customer Complaints Summary
- 87 total complaints in the last 3 years.
- 26 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:04/30/2023
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.
Hello,I signed up with the CE Shop to start my education for real estate courses. Initially when I enrolled I wasn't quite sure how everything worked. I paid the following:$174.90 initial enrollment on 11/26/22 # I have 2 boys 17 & 2 and I work full time, plus had some personal emergencies so I purchased an extension on 2/22/23 & paid $ 122.54.I was ready to take my exam before the expiry date & even called to inquire about getting it completed on time. I basically had to pay for the additional 2 days just to be able to schedule because they didn't have many options for time slots and I work Sun-Thurs from 6:30am to 3pm. That was $61.27 I paid $25.00 to PSI Services LLC which is basically a call center that seems to possibly be based in *****. I signed on for my ************. I scanned my Driver's license successfully and my picture. I was #3 in the queue then the countdown dropped to 0 and just started loading saying someone would be on shortly to verify I sat and I waited & then it completely closed out. I tried to reconnect again several ********** wouldn't work. There was even a time initially when the system was loading where it said reach put to your ******* if you have issues & I started typing in the chat. I got 2 words typed "Hello ok" and he was not accessible. Now, I overpaid too much when I didn't need to. I basically have to start from scratch because I haven't heard back from ************************** gave me this ticket #******* telling me it's not a guarantee that another test link can be resent. That is unfair to me because I tried to sign on for 2 hrs. Also, when trying to troubleshoot the issue the gentleman at PSI just forwarded me a link to access the test which is what I was already doing and this is how I know that couldn't resolve the issue. I will start from scratch if I need to because I really want to complete the process but I would like a refund of $383.71.Business Response
Date: 05/01/2023
Thank you for bringing your concern to our attention. The CE Shop is committed to providing students with a satisfactory experience every time they contact our customer support department. We have reviewed your history of interactions and will reach out to you directly to resolve your request.Customer Answer
Date: 05/04/2023
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. I have repaid to take my test again with PSI. I am still waiting for my $25.00 credit for that.
Sincerely,
*******************Customer Answer
Date: 05/06/2023
Case# ********-CE8C2 not resolved still have not received $25 refund for first their PSI testing system screwed me out of along with the opportunity to take the test. I reschedule because in the ** I'm thinking 12am on May 5th is 12 midnight on May 5th. If it's 12:01am on May 5th it is then May 6th. Now I'm signed on to try to retest again and I can't even access it. They have me as a No show! Now, I'm confused and when I call they treated me like I was just a slacker and told me I was supposed to be signed on at 11:30am on May 4th! Now, why would I think I'm supposed to do that. Nowhere does it say this is how they look at time. That's not Eastern time. At this point I don't trust the system. I just want to take my test. I live in Charles County ** ***** if it's somewhere out Here I can take test I would like to be scheduled for it. Also, PSI is the testing system that they use so I don't feel like I should be waiting for them to refund my test fees back. They should dispute it to get the fees back themselves and credit me directly. This has been nothing but an inconvenience. I only did it this way because it's hard for me to go in person. But I wish I could have gone in person and I didn't have this experience.Business Response
Date: 05/09/2023
We apologize for the testing experience you encountered. PSI allows students to launch their exam up to 30 minutes before the appointment time. Your final exam was scheduled for 5/5/2023 at 12:00 AM EST. For this appointment time, it is recommended to be ready to launch the exam at 11:30 PM EST on 5/4/23, which is 30 minutes before 12:00 AM EST on 5/5/23. 12:01 AM EST would still be 5/5/23. We offered you in-person proctoring on 5/1/2023, and again on 5/5/2023. You can submit your in-person request through our convenient online form at the link below.
***********************************************************************************;
In regards to the exam fee refund, our support lead contacted you on 5/1/2023 and submitted a refund request on your behalf for the 1st exam fee. PSI confirmed on 5/5/2023 that the refund was submitted back to the card you used at time of scheduling. Please allow up to 10 business days for the funds to be returned.
If you need further assistance please contact ** directly at ************ or you can email ** at *************************************.Customer Answer
Date: 05/09/2023
I am rejecting this response because:
Why because you don't offer in-person proctoring you just tell us to submit a request and no one never gets back to you that's what happened last time. In all my history of education and telling time. I have never heard of 12:00am EST on 5/4 mean 12:00am on 5/5/23. This makes no sense & I even had my husband look at time before we scheduled and he was thinking the same as I. I would like a refund at this point. I don't want to deal with PSI. Your testing system doesn't make sense. I would just rather find an in-person program with a realtor & start over!
2Xs I have been present for this test & have not been able to take it. I have submitted a request for in-person only ending up scheduling with PSI because I didn't want to be penalized and you all don't reach out. Also I put my city/state and zipcode and asked you if there were any testing sites in this area. Still no response
Sincerely,
*******************Business Response
Date: 05/11/2023
Thank you for your response. Midnight 12 AM is considered the start of a new day. Therefore, 11:59 PM is 5/4 and 12 AM is 5/5.
If you are unsatisfied for any reason, The CE Shop will refund the purchase price of any course if the refund request is submitted within 30 days of purchase, prior to course expiration, and the course is not more than 50% completed. Your course is more than 50% complete, and it was purchased on 4/29/22. You are not eligible for a refund.
We do not show an in-person ******* request was submitted by you. It is recommended to contact a local facility open to proctoring such as a library, testing center, or community college. Once the location has agreed to *******, you can submit the location for approval on this link: ***********************************************************************************;
The CE Shop notifies the student once the request has been completed.
We will reach out directly to you again in an attempt to resolve this issue.Customer Answer
Date: 05/13/2023
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,
*******************Initial Complaint
Date:04/25/2023
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.
Until now it was a positive experience. I have taken many classes with them. The last online class did not successfully complete for some reason and now they say it is expired and I would have to pay for it again. Why? I already paid and sat in the class for the full amount of time. They should have been helpful and just reopened the class instead of trying to make me pay for a class that I have already taken.I signed up for the class 12/11 and completed the online class but for some reason it did not complete correctly online. I was never notified that the class was expiring or that it was not completed by the 1/11/23 expire date. Request restart or reset of class. There is not really a way to prove that the system did not error on the finial part of the class. All that I request is to be able to get what I paid for or refund or reset of the class.Business Response
Date: 04/26/2023
The CE Shop, Inc. is committed to providing students with a satisfactory experience while maintaining the boundaries outlined within the terms and conditions. ************** CE courses have a strict 30 day expiration from the purchase date and therefore the course cannot be extended. In order for the course to be considered complete, all content (including all activites, exams, and seat time) must be completed. After the final exam is passed, a survey and affidavit is required to receive the certificate. The course is not considered complete unless all requirements for completion are met, and these requirements are outlined in the course orientation. Your course final exam was not completed prior to the expiration. A ticket was submitted to our IT team and they found no evidence that the final exam was taken or submitted. Since your course has fully expired, you may repurchase the course at 50% off of the current retail price one (1) time. This option is only available for 30 days after the full expiration date of the course. If it is beyond 30 days from when the course has fully expired, you may repurchase the course at full price. The repurchased course is a new enrollment, and the progress from the previous course cannot be transferred.Customer Answer
Date: 04/26/2023
Complaint: 19979720
I am rejecting this response because: I was never notified the class was not completed and I thought it was as I stayed in the class for the required time. I have no way of proving the final exam was complete as it is an online class. The original two classes were a total of $63.27. They are now trying to charge me $55 to retake the one class when I only paid $31.64 for the class the first time.I checked my email I never got any notification that the class was not completed. The only reason I found out that they did not **** this class complete is that the real estate commission sent me a noticed that my CE was not complete.
If I had never taken the class I could understand not refunding or reinstating the class, but I took the class and it did not complete correctly and then was not even notified that it was not completed when it was expiring or after it expired.
Sincerely,
***************************Initial Complaint
Date:04/14/2023
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.
Worst customer service and total rip off! They would not refund me even after they could not fulfill my continuing education needs! If you live in ******, 50% of CE classes need to be live. I told them this, but they still would not refund. Didnt even finish 1 onlinr class at 10%. In addition this is not Bershire and Hathoway!Business Response
Date: 04/17/2023
The CE Shop, Inc. is committed to providing students with a satisfactory experience while maintaining the boundaries outlined within the terms and conditions. It is true that the *********** only allows 18 hours of the 36 hours required to renew to be done online. We do our best to fully disclose the requirements on our state requirement pages. This student ordered all 36 hours of online education back on 11/23/2022. Since we were not able to refund the order due to the 30 day refund policy a Supervisor did apply 18 credits to the account to offset the cost and these can be used towards the next cycle of courses to be taken online. The student is able to complete 18 hours online and has access to those courses for a full year from date of purchase.Customer Answer
Date: 04/17/2023
Complaint: 19938461
I am rejecting this response because: i had to purchase 36 hours or real estate classes from another school which is local and does half of those hours with a live class. I have receipt and have already completed my classes. I did not request any credits because I lacked faith from CE shop as they are not Bershire and Hathoway and did not take into consideration that they could not fulfill my needs after the purchase and would not even refund me after this. I just want my money neck since I did not use thier service and would not like to anytime in the future. Thank you for taking the time to handle this dispute.
Sincerely,
*****************************Initial Complaint
Date:04/10/2023
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.
The entire testing process is farmed out overseas and the test through your camera is a nightmare. The ******* will spend 30 min having you pan your camera around harassing you and god help you if you have to call them for a problem. They claimed my ID didn't match my name, canceled my test and are absolutely no help.Business Response
Date: 04/11/2023
Thank you for bringing your concern to our attention. The CE Shop is committed to providing students with a satisfactory experience, and we apologize for what occurred with the 3rd party vendor, PSI. PSI enforces their policies during the ******* process, including an introductory check-in, and ID requirements. We have reviewed your account and are working with PSI to address your concerns. We will reach out to you directly to resolve the issue, and review options for in-person proctoring.Initial Complaint
Date:03/16/2023
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.
On 03/12/2023 I finished the course *********** 60-**************** Principles and Practices and was expected to get my certificate. It said I completed everything but couldn't download my certificate because some technique problem. I called The CE Shop for 5 times and the answer was the same. They had escalated the issue, but so far nothing happened. I need the certificate to send to PSI exam and continue the process to get my license to be a *********** agente. I'm loosing a job opportunity because of this delay. Today, ON 03/16/2023 I called them again and ask to talk to the supervisor to see another option to get my certificate, but the representative didn't let me talk to anybody else o gave me another option. I don't know what else I can do! I need this certificate so bad, but The CE Shop doesn't care. If I'm not able to get my certificate I need the refund the amount a paid for the course and the time I lost doing the course. I worked so bad and now I'm having all this stress to get the certificate. This is not fair.Business Response
Date: 03/16/2023
We apologize for the recent difficulties with downloading your certificate. The CE Shop, Inc. strives to provide students with a positive experience each time they contact our customer support. Technical issues can occur and we do our best to resolve situations in a timely manner. We appreciate your patience during this time. We have remedied the issue and forwarded your completion certificate to the email on your account.
Thank you for bringing this to our attention and allowing us the opportunity to resolve this for you.Customer Answer
Date: 03/16/2023
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. I got my certificate and that's all I needed. You guys are awesome. I got everything just on day. Thank you so much.
Sincerely,
***************************Initial Complaint
Date:03/16/2023
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 took a course through the CE Shop, I finished course and was scheduled to take final exam on 3/02/2023. After getting through the verification for the online ******* exam, the exam wouldn't launch and had a LEAP LMS server error. I called technical support they told me to reload page after several attempts they said they would escalate the matter and I would have to reschedule the exam. I rescheduled 3/06/2023, after being told the problem was fixed, upon launching exam same error occurred. Call customer support I was told to reschedule again. Reschedule for 3/15/2023, after customer support told me problem was fixed. Tried launching exam on a different computer this time same error message occurred. I have spent $75 on all three exams and haven't received a refund. The problem hasn't been resolved and I can not get any further with this company, I would like a full refund for the course since they can not provide me with credit or any other solution.Business Response
Date: 03/27/2023
The CE Shop, Inc. strives to provide students with a positive experience each time they contact our customer support and access the course material online. We apologize for the technical issues that occured on your course(s) and appreciate your feedback and flexibility to work with us through these issues. We did confirm with our PSI vendor that a refund in the amount of $25.00 was issued to you on 3/2/2023. As far as the other 2 exam refunds we will be issuing that back to you directly thru The Ce Shop so there is no further delays. We will contact you directly to resolve the refund. We show you were able to set up with an in person ******* and the courses were successfully passed and completed since this post.Initial Complaint
Date:03/05/2023
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.
Purchased *********** Broker course from business. Everything was going well until I tried to take the final exam. Half way through the exam, the company they contract with to do online proctoring said they could not see me on webcam. After their support looked at it, they requested I restart the browser. Once I did I get a "resume exam" message and that I have to contact support. I did that 3 times the day I tried to take the exam. They would reset and then once the ******* released me to take the exam, same error again. Support told me they would ask IT to not limit exam times. However, continued to have error. Lost my slot and had to reschedule. I rescheduled for two days later through their contracted online proctoring group (PSI). Went to take the exam Sunday night and same error, tried to call support and got a message they were closed and to send an email. No response in time to lose my spot with proctoring company. I paid $25 per appointment, so I total of $50 to attempt the test using the process they require. I want my $50 reimbursed and the fee I paid for the course, since they have not meet their obligation to provide we with a total course and documentation to the state licensing board.Business Response
Date: 03/06/2023
Thank you for bringing your concern to our attention. The CE Shop is committed to providing students with a satisfactory experience every time they contact our customer support department. We have reviewed your history of interactions and will reach out to you directly to resolve your request.Initial Complaint
Date:02/23/2023
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 purchased a *********** course through them. I soon after had a baby and worked on the course when I could. My course expired, and I went to purchase the extension for $55. Turns out my entire course expires April 2nd and I have no way of finishing it by that time. They will not give me a refund for my course or give me an extension even though I have no way of finishing it. They said I have to buy the entire course again and start over. I'm not paying $300 more to them for that course. So they got $300 from me the first time for free since I'm not getting anything in return.Business Response
Date: 02/23/2023
The CE Shop, Inc. is committed to providing students with a satisfactory experience while maintaining the boundaries outlined within the terms and conditions. For Georgia Pre-Licensing, the course expires six months after the date of purchase. Each student is granted a one-month extension at no charge, which is applied immediately after the initial six-month term. For any reactivation or extension of the course after the seventh month, The CE Shop will charge the student 20% of the current retail price of the course for each 30-day extension or partial 30-day extension in the event that the course finally terminates before the end of the final 30-day extension. Students may also elect to re-enroll for 50% of the current retail price of the course, if the course has hit the year expiration or the student is at the 7 month **** and wants to repurchase and restart the course and enrollment. Extensions or reactivations cannot be granted beyond 12 months from the purchase of the course since, in all events, the course terminates 12 months after purchase.
Regarding our refund policy, The CE Shop is committed to student satisfaction. If you are unsatisfied for any reason, The CE Shop will refund the purchase price of any course if the refund request is submitted within 30 days of purchase, prior to course expiration, and the course is not more than 50% completed.
Your course was purchased on 4/2/22. Therefore the free extension for the 7th month has been applied. You have the option to purchase extensions up to 4/2/23, or you can repurchase the course at 50% off the retail price up to 30 days after the course fully expires on 4/2/23. Your request for a refund was not made until 2/22/23 after the 30 day window.
We apologize for the inconvenience; we try to be as transparent as possible. The terms and conditions are agreed to upon purchase and are available on our website at all times.Customer Answer
Date: 02/24/2023
Complaint: 19454342
I am rejecting this response because:I have worked on the course material trying to get it done before the expiration date that I did not know about until yesterday. I have not received anything in return from money I paid. Either I continue the course without expiration or having to pay more or a total refund. I was sold a 75-hour course which I did not get.
Sincerely,
*******************Initial Complaint
Date:02/08/2023
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.
The CE Shop engaged in deceptive advertising. They offered a 50% off code that was "valid" for a number of days. During this time I logged into their website several times and was never able to complete a transaction with the 50% off code. I was finally able to reach ce shop via chat and asked for the 50% off code and was never given one. They said i had to call in, which was not possible since my phone does not work from an airplane. Since this time, I have chatted again and again and asked for a 50% off code and the CE shop has failed every single time to give a valid code 50% off code which was advertised.Business Response
Date: 02/09/2023
The CE Shop, Inc. is committed to providing students with a satisfactory experience while maintaining the boundaries outlined within the terms and conditions. While a promotional code is always offered, the discount and codes change on a regular basis. Promotional codes are offered during a certain timeframe, which is indicated on the website and in our promotional emails. Once the timeframe for a particular sale has passed, unfortunately it is no longer available and the current promotional code can be used.Customer Answer
Date: 02/09/2023
Complaint: 19369715
I am rejecting this response because: ************ is engaging in deceptive fraudulent advertising. If you offer a code and the code does not work, then are you really offering a discount code?
Sincerely,
*********************Initial Complaint
Date:01/26/2023
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.
I purchased the *** course. I completed the course on 1/05/2023 and was unable to take my exam on 1/17/2023. I called customers service on 1/17/2023, and explained I am unable to take the test, because it is waiting for the instructor to grade the assignment, which was from several days ago. The representative that I spoke with on 1/17/2023 explain that it should have been graded already and he will have IT extend the course. This was said by 4 more representative that I spoke with, including the last representative I spoke with 3 days ago, which also stated that her supervisor also stated that course should be extended and that they will send it again to IT. I called again on 1/26/2023 to confirm based on an email that I received 1/20/2023 (which I did not see the email until today 1/26/2023) that stated that they can not extend. Even the representative I spoke to on 1/23/2023 was still showing that it should be extended including her supervisor. The representative today 1/26/2023 said they can not extend and stated that all assignment needed to be in a certain time. I explained to her on my computer screen I can not see the sections that have the assignments a head of time, I only get the assignment once a get the that course, in the course you also can not move ahead and you only have 13 days to complete everything and I completed everything in time. The assignment sat there to be reviewed by an instructor for more than 3 days. I think this company set this up so you have to retake the course and pay them another $182.00 after paying them $320.Business Response
Date: 01/27/2023
The CE Shop, Inc. is committed to providing students with a satisfactory experience while maintaining the boundaries of NMLS rules. National Pre-Licensing courses have a specified start and end date. Students must select their course start date within 90 days of purchase. Once the start date has been selected, students will have that day plus an additional 12 full calendar days to complete their course. Per NMLS rules, the course cannot be extended beyond that timeframe. Students are advised on the assignment requirements in the course orientation, and in the course syllabus. The course orientation requires students to acknowledge they understand before they can advance in the course. Students are unable to access their course final exam until all assignments are ****ed complete, and must plan accordingly. Responses to assignments are reviewed Monday through Friday (except holidays), within 1-2 business days of receipt. Students are strongly encouraged to complete all course assignments by Day 7 of the course (6 days remaining) to ensure enough time for an instructor to review their responses, **** assignments complete, and for them to pass my final exam before the course end date. The last assignment was submitted on 1/14/23 (a Saturday) and Monday 1/16/23 was a holiday. The assignment was graded on 1/18/23 (within 1-2 business days) but the course expired on 1/17/23. We have re-enrolled you in the course at no charge and you are able to retake it.Customer Answer
Date: 01/30/2023
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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