Financial Services
Georgia United Credit UnionHeadquarters
Complaints
This profile includes complaints for Georgia United Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 40 total complaints in the last 3 years.
- 15 complaints closed in the last 12 months.
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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:03/30/2025
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.
I am writing to formally request the removal of a late payment entry from my credit report. I believe this entry is inaccurate and would like to provide context to support my request.I've experienced a history of issues that were not caused by my actions. The problems appear to stem from errors on the banks end, which have unfortunately been repeatedly attributed to me, despite evidence to the contrary.Years ago, I was informed that I had missed a payment. Since my payments were set up through auto-draft, I reviewed my bank statements and confirmed the payment had been processed. After further investigation, it was determined that an error occurred when the loan was set up, combining payments for both of my vehicles. This issue was caused by a new employee in the billing department who did not separate the payments as required. While I promptly resolved this issue by splitting the payments, I was subjected to rude and unprofessional treatment during the process. A couple of years later, I was again informed of a missed payment. This time, it was alleged that a lapse in my insurance caused my payment to increase, resulting in an unpaid balance. However, my insurance company confirmed that no lapse occurred. Despite proving this and never having missed a payment, I was charged a late fee of $25. The handling of this situation was marked by further unprofessional behavior, including being left on hold for an excessive period and receiving no follow-up communication.Eventually, I paid off both vehicle loans in full, yet the late payment remains on my credit report. The persistence of this error is both frustrating and unjust, as it continues to negatively impact my credit score.I kindly request that this late payment entry be removed from my credit report. I have always acted in good faith and have provided evidence to demonstrate that the issues were not caused by my actions. I trust that you will review this matter fairly and resolve it appropriately.Business Response
Date: 04/08/2025
Thank you for reaching out to Georgia United Credit Union (GUCU). We have tried to contact the member to resolve the issue but are still awaiting a response. We will keep trying to reach our members to discuss the steps that led to the concern and address them as needed.Customer Answer
Date: 04/09/2025
Complaint: 23134995
I am rejecting this response because: i am not sure how they are trying to get a hold of me. I have not received anything from them yet.
Sincerely,
**** ******Business Response
Date: 04/10/2025
Thank you for the additional information. The Director of the ****************** emailed ****************** on April 1, 2025, but has not received a response. Please contact the number provided in the email for further assistance.Customer Answer
Date: 04/11/2025
Complaint: 23134995
I am rejecting this response because: i didn't get an email what is the name of the person?
Sincerely,
**** ******Business Response
Date: 04/14/2025
Thank you for providing the additional information. It seems that you are responding to our email and confirming that you may have submitted the complaint to the incorrect credit union.Customer Answer
Date: 04/15/2025
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. Yes, on here it says Credit Union of Georgia and it was the wrong Credit Union of Georgia. They sent me the right Credit Union of Georgia
Sincerely,
**** ******Initial Complaint
Date:03/03/2025
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.
On 2-28-2025 I applied for a loan with United Credit Union, Loan officer name Tray acted like he did'nt care about working with a black man. He wounld't answer my calls, miss using my personal information. Made promises he did'nt keep supposed to contacted my son about some information and did'nt . Spoke with another loan officer name ***** which help me get the loan approved. Tray supposed to finish the loan process and I asked to have it deposited into my bank account of Well's Fargo they refused, saying they cannot transfer the loan into my own bank account. Tray acted like he was on something. I asked to speak to the President are Vice President to no avail. Yes I gave them Tray and others a piece on my mind. Because this should've been taken care on Friday are 3-3-2025 early morning.Business Response
Date: 03/10/2025
Thank you for reaching out to Georgia United Credit Union (GUCU). We apologize for any inconvenience you may have experienced. After reviewing your complaint, we have conducted an investigation. GUCU regrets that Mr. **** found the loan process complicated and felt that it did not receive the urgency he expected. In reviewing this application, it was submitted via our online channel on 2/28/25(Friday) and assigned to a loan officer on 2/28/25 at 12:02 PM. The applicant wanted to add a joint signer to the application, which required us to speak to this joint applicant, which we were able to do on 2/28/25 at 2:25 PM. The loan was then approved on 2/28/25 at 3:21 PM, and a membership opened as the applicant was not yet a member of Georgia United Credit Union. The applicants sent documents to us after closing (8:35 PM) on 2/28/25. **** reached out to the Applicant on 3/3/25 to open the membership which is required in order to have a loan at 2:15 PM. Mr. **** was verbally offensive to the membership team and refused to complete the process. Mr. **** was upset that we could not electronically send loan proceeds. It had been explained that the funds would be deposited into his Georgia United Credit Union account or visit a branch to withdraw the funds. Mr. ****** loan was processed and approved in less than 24 hours. Mr. ***** expectation of same-day approval of a loan application with a joint borrower was unrealistic, and his communication with our team members was abusive, inexcusable, and unwarranted. Mr. ***** assertion that any Georgia United team member was based on race is denied.Customer Answer
Date: 03/12/2025
Complaint: 23014215
I am rejecting this response because: Tray was a serious nasty and all the team members accept ***** racist and United Credit Union should and will be closed down soon. They should'nt be allowed to serve anyone. Nasty racist people read their reviews.
Sincerely,
****** ****Initial Complaint
Date:02/10/2025
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 am filing a complaint against Georgia United Credit Union regarding a cash-out loan application and title issue that has left me in a difficult financial position. Below are the details:Vehicle Loan Application #****** On December 4, 2024, I applied for a cash-out loan on a new ****************************************** cash. Georgia United Credit Union immediately counteroffered, and I *********** December 23, 2024, I had not yet registered the vehicle in my name. Concerned that waiting for the title might delay the loan, I spoke with ***** *******, and we agreed to list Georgia United as the lienholder while waiting for my businesss profit and loss statement for the previous year, which my accountant was preparing.On January 16, 2025, I submitted the profit and loss statement as required. I called Georgia United Credit Union and was informed that I needed to speak with my loan officer, ***** (Ext. 2174).Since then, I have called ***** several times, left multiple voicemails, and sent messages via the portal, but she has not returned my calls or responded to my messages.I have not received any loan funds, and Georgia United Credit Union is holding my vehicle title without providing any updates.I have requested that they either return my title or complete a lien release so I can apply for a new title, but I have received no response.This situation has left me completely ****** do not have the loan funds, and I do not have my title. My attempts to resolve the matter directly with Georgia United Credit Union have gone unanswered. I urgently need assistance to get my title released or receive a clear response from the credit union.Thank you for your time and help in resolving this matter.Business Response
Date: 02/18/2025
Georgia United Credit Union apologize for the delay in processing your application. This has resulted from the complexity of verifying your income and the details concerning the collateral. Since your application was submitted for a personal loan and you are self-employed, we require specific documents to verify your income.
Our Consumer Lending Manager has reached out to you to clarify what is needed and has also given you the option to release the lien on the automobile you intended to use as collateral.
If you have any questions regarding the documentation needed, please feel free to contact us at ************. Thank you for choosing Georgia United Credit Union.Initial Complaint
Date:01/30/2025
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 custormer with Georgia United Credit Union for at least 30 years or more. I have had mostly positive experiences. However, lately, I am noticing less monetary efficiency when it comes to my account. I have a particular complaint about two areas. One is bill pay. Bill pay used to honor at most 2-7 days processing. However, I recently had a check bounce after nearly two weeks. I was charged a $35 dollar fee ahead of my early pay day which I explained Georgia United Credit Union could have corrected. Insteadl, when I called in, I was put on hold for 7 minutes and was told she (the unnamed employee) could not do anything about the overdraft charge.I reminded her that within that month, there were two overnight deposits that I did and one was not honored on their next day rule. Instead, after the overnight deposit was made on Thursday evening, it was not honored until Tuesday. I made a correlation about their challenges with deposit timing and that I should have had the overdraft removed. The charge is $35.I have tried two other financial institutons over the past two years and I am considering leaving Georgia United Credit Union over this overdraft fee, I want it removed. My other big challenge is the not honoring the bill payment times. I should be able to cancel if it takes a check over a week to process - at most 10 days. There was a 12 day difference between the payment from me and the processing time.Business Response
Date: 02/11/2025
Thank you for contacting Georgia United Credit Union (GUCU) regarding this matter. We sincerely apologize for the inconvenience and frustration you have experienced.
Upon reviewing your account, we found that a bill payment was initiated on January 16th, 2025, and received by the recipient on January 21st, 2025. Please note that there was a federal holiday on Monday, January 20th, 2025, which likely affected the delivery time. The clearing of the check is based on when the recipient processes the payment after receiving it.
As a courtesy, GUCU issued a refund and applied it to your account on January 28th, 2025.If you have any further questions, please feel free to reach out to us.
Initial Complaint
Date:01/26/2025
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.
Over the week of Christmas I took an **** trip costing me $50. The bank account associated with the app was a **** account that had no money in it. The bank subsequently charged me an "insufficient funds" fee approximately 20 times for this debt, which put my account into deficit $750. I received zero notice that my account was in deficit and continued to go further into deficit. The bank has failed to escalate my claim and the local branch has not answered my calls. When I arrived for a meeting I was told they will "see what they can do." The local clerk had told me that they can reduce the fee by half but I have argued that even this is wildly disproportionate to the transactions I committed. This has been going on for a month. I have spent many hours commuting and communicating to try to receive resolution at much opportunity cost, taking time out of my job. I need resolution ASAP and plan to spend even more time filing in small claims court if we cannot achieve a reasonable settlement. I do not believe their actions are legal, and they are certainly not ethical given the nature of their automation systems entirely disempowered a longstanding client who has banked with them (lent his money to them) for 10 years.Business Response
Date: 02/10/2025
Thank you for contacting Georgia United Credit Union (GUCU) regarding this matter. We sincerely apologize for the inconvenience and frustration you have experienced over the past month. A formal letter has been sent to you via certified mail on February 5, 2025, which provides further information about your complaint. If you have any questions, please feel free to reach out to usCustomer Answer
Date: 02/11/2025
Complaint: 22859182
I am rejecting this response because they have failed to uphold their mission statement and instead chose to impose an unreasonable fine under an authoritarian-styled automated system that benefits no one. They have hid behind bureaucracy to squeeze a few dollars out of the pockets of their neighbor rather than helping him.
Sincerely,
***** ********Business Response
Date: 02/18/2025
Georgia United Credit Union sincerely apologizes for any inconvenience this may have caused. As mentioned previously, GUCU has explained how the bill pay date is calculated. Additionally, the courtesy pay has been refunded and applied to your account. If you have any questions, please feel free to contact ****. Thank you.Initial Complaint
Date:11/22/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had a bank account and a ********************** card account with ***************************************** a couple years ago. I fell on some hard times after having a really bad hip injury and could no longer pay the credit card. Ive gotten myself together now so I reached out to Georgia United to start paying off the credit card account. I was told that I have two charge off accounts. I was a bit confused because I only have one credit card with them. After pulling up my statements I was told that I had a automatic payment that kept trying to come out of my personal account and because the funds werent there they charged me each time it tried to come out now I owe the sum of $473 in that account. Im sorry come again???? Why would you all allow someone to try to draft a payment out that many times without stopping it over the course of several months??? I tried asking to speak with a manager and was told a manager would have to call me back. Shame on it all! Here I am calling in to try to make good on this debt because I had an account with them for sooooo many years and theyre trying to rip me off!Business Response
Date: 11/26/2024
Thank you for reaching out to Georgia United Credit Union (GUCU) about your charged-off checking account.
******************** cannot cancel or modify transactions that have been initiated by third parties. It is your responsibility to cancel any agreements you have made with merchants. **** sincerely apologize for any inconvenience this situation may have caused.Customer Answer
Date: 11/27/2024
Complaint: 22592963
I am rejecting this response because: They lack integrity. To say that you allowed something like this to happen because its not your responsibility just shows the type of organization **** is. I would understand if I over drafted over $400 in my account. Ive spoken to spectrum I currently still have service with them they stated that they attempted twice back in 2022. How did the amount get up to over $400. So you all charged me $32.00 fees for several months and no one thought to say lets close the account before it got to $473. This is a complete lie and its all gonna catch up with them. Ill be contacting the commissioners office to find out what department at the state this can be reported to. It makes absolutely no sense.
Sincerely,
***** *****Business Response
Date: 01/13/2025
Georgia United Credit Union (GUCU)sincerely apologizes for any inconvenience caused. As previously stated, **** does not have the authority to cancel or modify automatic payment transactions initiated by members and third parties.Initial Complaint
Date:11/21/2024
Type:Order 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 am not liable for this debt with georgia united. I do not have a contract with georgia united, they have not provided me with the original contract as i requested.Business Response
Date: 11/26/2024
Thank you for contacting Georgia United Credit Union (GUCU).We attempted to contact the member for a resolution, but we are still waiting for a response. We will continue to contact our members to review the steps that led to the concern and address them as appropriate.Initial Complaint
Date:09/17/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On August 15, 2024, ****************, my external account mailed papercheck of payments for my **** car loan and a payment for my **** account. They were unable to perform these transactions by electronically with ****. I called several times to **** customer service **** to inquire why the payments have not been posted. I was informed that they never arrived at the ******, GA address and they would not confirm delivery of them either. I call the second week and got the same response. I called back to **************** and found out that the mailed payments had in fact been received, after I had to put a stop payment on them because I thought they were lost in the mail. **** sat on these mailed payments until August 23 and 28, when they were submitted for payment on 8/6/24 to be paid on 8/15/24. Now I am receiving Notice of Past Due Payments dated 9/10/24, when I have submitted three car loan payments, stop one, and got refunded one payment of $262.51 that was the one mailed, and have replaced the August payment and paid the September car loan payment as well. Likewise, my GUCU **** billing statement stated I was $22.00 past due; I sent a payment of $30.53; it wasn't posted/credited until 8/28/24. That too was sent by **************** to be paid on the 15th. I have a constant problem with GUCU not being responsive and deliberately lying to the customer.Business Response
Date: 09/25/2024
Thank you for reaching out. We have received the members complaint. **** has reached out multiple times to assist this member with the questions posed. Thank You
Customer Answer
Date: 09/30/2024
Complaint: 22297020
I am rejecting this response because:
Sincerely,
Va'**** *******Business Response
Date: 10/04/2024
Georgia United Credit Union appreciates the opportunity to address the complaint. Unfortunately, the rejection did not include the reason for dismissing our response. Please feel free to contact us if you have any questions. Thank you.Customer Answer
Date: 10/07/2024
Complaint: 22297020
I am rejecting this response because: I have months of continuous problems with this credit union's business practices. **** has their customer service **** by telephone conversations and attached "Memo" messages to deny me the right to make "principal" balance payments toward my **** and car loan accounts with ****. Some of their explanations are, we don't accept principal payments, or they don't know how to apply or credit that type of payment in their system. I have to complain then by calling. I have a right as a Consumer to paydown my principal balances on any debt I might have to avoid or lower the interest rate that is being charged to the account. This ********************************************* places these additional payments as partial and also have taken out more interest for themselves in doing so. I ask verbally by phone of an audit to be done for my accounts with GUCU in showing me how it has been handled, this too is a problem with their business practices. Therefore, they are constantly doing account adjustments because they have credited the additional payments as partial, when in fact the monthly has either been paid or it comes before/after the monthly payment amount is posted to the accounts. **** customer service **** and elected supervisor to their car loan ***** and **** account department are unprofessional, untrained, and deliberately and maliciously has messed up my accounts with them for months, until I have to file complaints. I have been their customer since 2019 and want to pay off my debt to **** to never use this banking institution ever again. GUCU does not show respect for senior citizens who have accounts with them either.
Sincerely,
Va'**** *******Business Response
Date: 10/18/2024
Thank you for providing the additional information. **** has been responsive to your complaint and has reached out multiple times to assist you with the issue.Initial Complaint
Date:09/09/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
PLEASE SEE ATTACHMENTBusiness Response
Date: 09/12/2024
**** apologizes for any inconvenience caused and has thoroughly investigated the matter, including multiple disputes received from various reporting agencies. **** has confirmed the accuracy of the credit reporting. We regret any inconvenience this may have caused.Initial Complaint
Date:09/08/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
***: Please do not support Georgia United Credit Union. What they did to me is wrong on every level. So, this tenant of mine moved out, owing me money as she only paid partial rent when she moved. She also left the room a mess. It cost me over $1000 to restore the room and eliminate the ***** infestation she caused. It took forever to get rid of the horrible smell as well. She destroyed my new flooring. On September 1st, she sent a member-to-member payment of $994.38. I thought she was settling her debt because she owed me for past rent and other debts. I immediately used the unexpected money to pay bills. On Tuesday, the ex-tenant calls me and says she sent me the $994.38 by mistake and asked if I could send it back. I told her I thought she was paying her past debt and I had spent some of it already. She evidently called the bank to request the funds be returned on the grounds that it was not authorized, which is a lie, and they actually gave her funds back without even calling me to investigate.If they would have taken a moment to investigate they would have notice a long history of M2M transfers from the same person. The branch manager, Mr. ***** *********, outright lied to me today, claiming she came into the branch a while ago asking to do a stop payment for that amount and the bank erred and let it go through. That is a complete lie. A member-to-member transfer is immediate, like ***** and Cash App. There is no way she went into the branch to request a stop payment when she sent it on a Sunday. Monday was a holiday, so the bank was closed that day as well. I am fighting this with top management, and as for the tenant I am taking her to small claims court as soon as possible. However, the bank needs to return the funds to my account or pay me for it since they gave it back to her.Business Response
Date: 09/12/2024
Georgia United Credit Union apologizes for any inconvenience caused by your reported issue. GUCU conducted a thorough investigation into the complaint and followed the proper dispute procedure as requested by the member.Customer Answer
Date: 09/14/2024
Complaint: 22256587
I am rejecting this response because:
I simply believe the powers to be in this investigation is simply lying to cover themselves. Number 1. The individual owed me money once again you can see she is the only person l received money 2 money transfers from. Number 2 l know money to money transfers are immediate such as Cash App and Zelle. Number 3. I received the funds on a Sunday yet the so called investigator stated she came in to request a stop payment. You are not open on Sunday. She also was in ***************, ******* and there is not a Georgia United Credit Union in ***************, *******. Number 4. She called me on a Tuesday 3 days later requesting me to send the money back. She said SHE accidentally sent it. She did not mention that she asked the bank to do a stop payment. Number 4 when l called and talked to a representative concerning the matter she stated the customer called the on Tuesday evening stating the funds was not authorized. This indicated to me that perhaps l was the one she accused of removing her money from her account and placing it in my account. I told Ms ******** l thought the money was a payment as she owed me money.I spent some of the money already and she was willing to accept ****** but instead she calls the bank and you return the full amount. In my eyes it looks like you stole my money. I will be seeking legal action behind all of this.
***** Parker
Sincerely,
***** ******Business Response
Date: 09/23/2024
Georgia United Credit Union apologizes for any inconvenience caused by your reported issue. GUCU conducted a thorough investigation into the complaint and followed the proper dispute procedure as requested by the member.
Georgia United Credit Union is BBB Accredited.
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