Complaints
This profile includes complaints for Rhino New York, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 256 total complaints in the last 3 years.
- 54 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:09/21/2023
Type:Order 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.
This is a rental insurance agency. I got security deposit insurance through them for my last residence. I filed a cancellation request and it said the complex filed a claim and I would need to pay that claim before my policy cancellation request is denied. We only get one cancellation request per policy and if its denied we will be *********** continue to make monthly payments and would have to request cancellation through the property. I have been trying to pay the claim but the portal will not allow me and rhino does not have phone service which is unacceptable. They have a chat box that doesnt work half the time and when it does work it refers you to reach out via email and wait 2-3 business days. I shouldnt be *********** continue paying on a property I no longer reside in. They are scamming people into keeping their policies open for unnecessary payments which should be investigated. Im trying to pay this claim and have my policy cancelled im a timely manner and not one representative has reach out to solve the issue. This is a huge issue for me financially and I cannot continue several months of automatic payments on a property I no longer live in. Please help me with getting in contact with this company. They have call avoidance for a reason and its not right. They also explained that the monthly payments I have been making will not go towards any claims which is unfair because thats what the security deposit insurance is for. I shouldnt have the pay completely out of pocket for a claim if Ive been making monthly payments to have this insurance.Business Response
Date: 10/04/2023
Hello ********
Thank you for reaching out to us regarding your recent Rhino experience.
We understand that you have concerns regarding our customer support. At this time, ********************** does not offer phone support and has decided to use chat and email for our customers. Support regarding claims is only available via email at ********************************** while support regarding claims payments is only available via email at ************************************* Chat support is available for enrollment support and policy support.
In regard to your policy payments, since your policy has an active claim, you were not eligible to cancel your policy. Please reference your signed tenant acknowledgment agreement and your policy bond that references section V!.B that states in part, ..., a Tenants enrollment under this Policy may not be canceled if Landlord has filed a valid claim.
Your policy has now expired as of Spet 12, 2023 and no further premium payments will be taken.
If you have any further questions, please reach out to us.
Customer Answer
Date: 10/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
******* ****
Initial Complaint
Date:09/18/2023
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 signed up with Rhino at the suggestion of my property manager upon move in of an apartment. Supposedly you pay monthly and if there are any issues, Rhino will cover the cost. When I moved in I completed a proper move in report with pictures detailing pre-existing damages and a request for this to be fixed. It never was. My property was then purchased by a new owner about a month or two after I moved in. Upon move out the new property manager filed a complaint about said damages. I was never given an option to discuss this claim or dispute it, I simply received an email stating I owed $1005. I told the new property manager the majority of these damages existed prior and I had proof. They said they didnt care because they had already been paid and for me to take it up with Rhino.Except getting in touch with Rhino is impossible. I accessed their chat and was told to send an email. I did, and received zero response- except another email expecting a $1005 payment. Rhino needs to PROPERLY alert people when a claim is first filed- not send spammy emails that go to junk folders- and allow tenants the right to dispute claims. Landlords are not always right.Business Response
Date: 09/26/2023
Hello ******,
Thank you for reaching out to us regarding your claims experience.
We apologize for any inconvenience you may have experienced while reaching out to us. The claims and recovery teams are only available via email. Upon review, there is no record of email communication from you. You can reach out to our recovery team at ************************************ to dispute the claim at any time. You can also respond directly to the email sent to you regarding the claim to file your dispute.
If you have any questions, please let us know.
Initial Complaint
Date:09/15/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Rhino wont allow me to cancel my plan. I moved out of the apartment I used rhino for over three months ago now. Afterwards when I tried to cancel, I was told that Rhino would have to reach out to the leasing office, the response was almost an immediate no. Rhino then sends me a bill for $200 and continues to charge me monthly payments. The $200 bill was for a charge they supposedly received from the leasing office for cleaning, even though we had already paid the leasing office what we owed them for move out fees and cleaning costs. Now when I have tried getting that resolved I have been met with slow response and what feels like deliberate attempt to take my money for as long as they can. I have been waiting since 7/24/23 for them to contact my old leasing office, even though according to other complaints here that their policy said it should be considered cancelled after only a week of no response from the office. Their phone number doesnt seem to be set to go to any real phone, just an automated answering system, which is incredibly deceptive. All in all, while it may not be an outright scam, Rhino seems to do everything in its power to make sure that they can keep charging you for as long as you can. These complaints here seem to be the only way to get an actual response from the company.Business Response
Date: 09/26/2023
Hello ********,
Thank you for reaching out to us regarding your Rhino experience.
Our team will reach out to your property manager to gain clarity on why they denied the cancellation request of your Rhino policy. The next step is for them to confirm that you no longer need your Rhino policy. If you have information that supports this, feel free to send it to us as well.
The reason why their confirmation is required is that a completed Rhino policy is an agreement between the renter, the property, and Rhino. Although you may no longer need your policy, Rhino is still bound, according to the agreement, to provide coverage on the unit until both the renter, and property agree that coverage is not needed.
As soon as the property responds we will provide you with an update. Receiving confirmation from the property typically takes between 3-5 business days, but in some cases, they take longer so we just want to manage your expectations clearly. You can help expedite the process by reaching out to your property manager directly and letting them know you've submitted a cancellation request with Rhino and are awaiting their approval.
If you have any further questions please reach out to us.Initial Complaint
Date:09/11/2023
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 am a Rhino customer who purchased security deposit insurance and paid Rhino in full for the 2022 year of my lease and had no issues. Now this year, 2023, I attempted to renew my policy and they denied my application without providing any explanation as to why. I attempted to contact them directly and it was so frustrating because they do not have an actual customer service number for you to speak with someone only a robot chat on their website which is ineffective, it took days and multiple message for someone to contact me and when they finally did the rep informed that she couldn't see my file and could not provide me any information and just said I was ineligible, which made no sense because I was eligible the year prior and paid them in full. I demanded to speak with a supervisor or the underwriting department to determine why I was not approved and the rep refused to respond back to my message or provide me with a supervisor or higher up that could assist me in getting my application pushed through. I paid in full for my insurance and I wanted to do the same again for this year. Rhino is the only company that my landlord authorizes for security insurance so I have no choice but to use them. I am a disabled veteran on a fixed income I cannot afford to pay a full security deposit with my landlord and without the Rhino insurance I risk being put out of my home and being homeless. I would like Rhino to renew my policy and allow me to pay for the year insurance as I have done in the past to avoid being homeless.Business Response
Date: 10/26/2023
Hello *****,
Thank you for reaching out to us regarding your recent Rhino experience.
We wanted to apologize for any inconvenience caused by your recent experience. We escalated your concerns and wanted to provide the following information that was communicated to you throughout your Rhino experience.
When you created your Rhino user account on May 25, 2022, you were provided access to the Renter Dashboard in our proprietary user portal to review and manage your policy. We also sent various emails to you to help you best utilize your Renter Dashboard and understand certain details about your policy.
The Rhino 101 email that our records indicate you opened on June 15, 2022 and June 21, 2022 is intended to serve as another reminder that the Renter Dashboard is a hub for things like accessing your policy documents and information, or updating your payment details.
The introductory email (opened by you on May 25, 2022, May 27, 2022 and June 7, 2022) noted that Rhino would remind you about your policy renewal before your lease expired, and that [i]f you decide to stick with Rhino, youll enjoy all the same benefits for the term of your next lease.
On July 13, 2023, you received an email congratulating you on completing the Rhino 101 series of emails and wanted to ensure that you had ample resources for frequently asked questions such as what Rhino covers and more importantly in this instance, Do Rhino policies automatically renew? It appears as though this email was unopened.
Your digitally signed Tenant Acknowledgement Agreement, section B. TERMS OF THIS AGREEMENT, subsection 1.2.7. states, in part, that [i]f I renew or extend my lease with the Landlord, the Endorsement issued to the Landlord will automatically renew and the payment of Premium, as authorized in Section A.11., will continue. In accordance with regulatory requirements, we sent to your email on file the 60-day advance renewal notice, which included information regarding your upcoming automatic enrollment. Our records indicate that this email bounced on April 1, 2023. However, per the normal course of business, our system recognized that your coverage under policy ID CD-************ was set to expire on May 31, 2023. Since you did not opt out of coverage on the Rhino user portal nor request a cancellation, we attempted to collect payment from the card on file in your account in order to renew your policy on May 17, 2023 at 12:16 AM. When we tried to do this, our payment processor notified us that payment failed due to insufficient funds, and our payment processing system canceled the payment automatically. Unfortunately, as a result of your email bouncing on April 1, 2023, your email address was automatically unsubscribed from all Rhino correspondence. Once an email bounces due to a defunct email address, we would need to be whitelisted by your mailbox provider in order to have permission to deliver emails to you again. It does not appear as though you provided us with any updated contact information in order for us to contact you again via email.
All of your recent support requests were from September 2, 2023 through September 6, 2023, including updating your contact information, and unfortunately, it was all well after your initial coverage had expired, which occurred on May 31, 2023, and meant that your policy was no longer eligible for renewal. To be clear, if your card information had been updated prior to the expiration of your policy, your policy would have been able to auto-renew. However, without the ability to take payment from you to bind a renewal, our system was unable to renew your policy, meaning that you would need to go through the application process again to apply for a new policy.
Eligibility requirements for the Rhino ************************** product are subject to change, as we strive to improve our product, which may include enhancing underwriting processes and pricing. Given that you had missed the renewal window, you had to reapply for a new Rhino policy. As our Support Team communicated to you on September 6, 2023, eligibility for the Rhino product is determined by many different factors that are collected from and about you during the sign-up flow to ensure we have the most up-to-date information about you, as there had been a gap in coverage. This is standard procedure for Rhino, and often for other insurance coverages where a renewal window has been missed, because of the resulting gap in coverage.
It is the responsibility of the renter to ensure that their information is up-to-date in their Renter Dashboard, including contact information and payment information. Unfortunately, it appears that you did not update your email or payment information prior to your policy expiring, resulting in the missed renewal. We apologize if you felt that the reason for your ineligibility was not completely communicated to you by our Support Team, but unfortunately, we are unable to renew a policy that has expired. Additionally, we cannot issue you a new policy because you are ineligible for a new policy at this time. Rhino considers a number of different factors when determining eligibility, including your credit score. In this case, it looks like your lack of credit history was a key factor in determining your ineligibility for Rhino. We suggest reaching out to your landlord to discuss what other options may be available to you in terms of satisfying your security deposit requirement.Initial Complaint
Date:09/08/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was forced 2 years ago by a prior landlord to use this insurance provider. I have not lived in the building for 2 years now. Every year I am billed by Rhino for the apartment in the building, where I no longer live. Issues: 1) Rhino has no phone number for customer service to resolve issues 2) This is FRAUD! I don't live in the building and I have no means to delete my credit card info or profile This company's actions are clearly in violation of consumer rights and fair debt collection laws.Business Response
Date: 09/15/2023
Hello *******,
Thank you for reaching out to us regarding your recent Rhino experience. We hate to hear that you are still being charged and want to help.
To cancel your policy, you must log in to your account at sayrhino.com and request cancellation of your policy. Please follow the steps below.
1. Log into your account at *************
2. Click on the policy you want to cancel. At the bottom of the page, you will see a Request Policy Cancellation option.
3. Select the appropriate reason for your cancellation. If you are leaving your unit before your policy end date, you will select Im Moving Out and the date that you returned the keys to your property manager. This must be done after you have returned the keys or surrendered the unit. Do not request cancellation until after you have moved out of the property as we can not back-date cancellations. Otherwise, you will select the appropriate cancellation reason from the options provided.
4. Once you've submitted your request to cancel, you will receive a confirmation email informing you that we have notified your landlord/Property Manager.Your property manager will have up to 7 business days to confirm that you no longer need coverage. If we have not heard back from your property manager in 7 business days, your policy will be canceled automatically.
If your policy is canceled you will receive a confirmation email regarding reimbursement for any payments made after your property manager has approved your request. Any refunds owed should be posted to your account within **** business days.
If you have multiple ************************** Policies that need to be canceled, you will need to submit a separate cancellation request for each one.
Please note that this cancellation process DOES NOT apply to Rhino Renters Insurance.
If you have any further questions, please feel free to reach out to us via our chat bot on our website or through your sayrhino.com account.Initial Complaint
Date:09/07/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
It is a security deposit "insurance" meaning we can choose to enroll in this company rather than paying our leasing company a full security deposit. We were told at the day of leasing that each month we pay a fee - ours $52.40 - in lieu of security deposit. At the end all that money accrued would be used for any damages or anything that a security deposit would be used for and the leftover amount would be refunded. Now that we are moving out we are being told that money is not being refunded. WHAT IS THAT MONEY BEING USED FOR THEN? It can not simply be to just use their service because this is THEFT!Business Response
Date: 09/15/2023
Hello *****,
Thank you for reaching out to us regarding your recent Rhino experience.
We understand that your purchase of our product did not meet your expectations. A Rhino ************************** policy acts in lieu of an upfront security deposit, freeing up money for renters at move-in. However, renters remain responsible for satisfying the obligations of their lease, such as paying rent on time and keeping the home free from damage. When renters purchase a Rhino ************************** policy, they are agreeing to Rhinos terms and conditions and are also agreeing to and entering into a Tenant Acknowledgement Agreement, both of which are provided to renters for review prior to purchase. Your Tenant Acknowledgement Agreement states the following in Section A.5.: The payment of Premium under this Agreement is not a security deposit, and is not insurance for my benefit. I will not receive the Premium payment back at the end of the Bond term.
Additionally, the purchase of Rhino ************************** policy does not relieve renters of their obligations to pay rent and for any damages incurred to the rental. Section A.5.1 states The issuance of a Bond to the Tenant pursuant to the Lease Rental Bond Program under this Agreement will not under any circumstance relieve me of my obligation to pay rent for the apartment or of any other obligation under the Lease Agreement.
If a renter fails to pay rent or required fees, or incurs damages at the property that would have been eligible to be deducted from a security deposit, the Rhino claims team evaluates the claim brought by the landlord. If the claim is approved, the renter is then responsible for reimbursing Rhino the approved amount. Section 4.1.1 states: I agree and commit that I will then be obligated to pay the Insurer the amount of the claim up to the Bond Coverage Amount (the Tenant Reimbursement Amount) independent of any rights or obligations I may have under the Lease Agreement. Payment of such Tenant Reimbursement Amount will be due to the Insurer no later than sixty (60) business days from the notification for reimbursement by or on behalf of the Insurer.
If you have any further questions, please dont hesitate to contact us.
Customer Answer
Date: 09/19/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:Again, it states that we would not receive any money back at the end of the term, so what is this monthly payment covering? It doesn't cover rent if not paid, if does not cover damages, so we pay the monthly fee for what service? We were told by our leasing agent that at the end of the lease we would be able to use the money we spent on Rhino towards anything that had? to be fixed. So where does all this money go? The company just pockets it - this is a cash grab company - how is this legal.
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
***************************
Initial Complaint
Date:09/06/2023
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 am looking to rent a house that is not affiliated with Rhino.I emailed questions, they did not email me back.I asked to get someone on the phone to get help for the landlord to use Rhino, but absolutely no response.We have to pay a $3500 deposit and Rhino insurance would make our lives so much easier.We have experienced hardship with a death in the family and we have a new daughter and all the expenses that come with it. It is simply wrong that they cannot answer the real estate agents questions, or won't deign to pick up the phone and help us. They have customer service as a bot that automatically answers questions. The bot is not helpful and is not real.Business Response
Date: 09/15/2023
Hello *******,
Thank you for reaching out to us. We are sorry to hear that our chat bot is not working for you. We have launched a new and improved chat bot, please try to access our chat bot again for any assistance needed. You can access the support chat box by visiting the Rhino website or through our ******************* We have live agents that are available to assist you via live chat from 10am-5pm EST Monday through Friday.
Initial Complaint
Date:08/31/2023
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Ive reached out to Rhino several times over the past 8 months to cancel a security deposit policy thats based on a lease agreement which ended in January 2023. In their tenant and landlord agreements (2 separate documents), its indicated that the rental property was required to submit a lease termination date in order to file a claim; this should have subsequently ended the security deposit policy. When initially contacted for a solution to this issue, Rhinos customer service department indicated that the policy can be cancelled, provided I submit the cancellation request through their website. Following their guidance, *** tried multiple times to complete this process, to no avail. The website does not offer a direct method for policy cancellation, opting instead for a cancel policy button that is non-functional in the internet browser recommended by the representative.In reviewing other complaints made against Rhino through the BBB, its evident that this is a recurring problem. When asked whether the company had implemented a new policy or procedure to address renters concerns, I was informed that no such action had been taken and that a policy cannot in fact be cancelled if there is an active claim against a renter.The problem is not the claims made against my previously active security deposit policy; Ive acknowledged the validity of those claims and have since been paying off the balance. My issue concerns whether or not an active policy is necessary to resolve a claim, and if so, why this isnt an explicitly stated condition within the tenant agreement. Im currently awaiting a response from Rhinos customer service department in regards to the specific location and/or language used in the tenant agreement that addresses this.Customer Answer
Date: 09/08/2023
Better Business Bureau:
After furnishing proof that a renewal lease was never signed, I have received the requested policy cancellation and refund. This particular matter has been resolved.
Sincerely,
*******************
Initial Complaint
Date:08/31/2023
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 used Rhino for a year when i moved in to Harbor Cove apartments from April 2022 and moved out of my apartment in April on *************************************************************************************************************************************************** to speak to anyone. I have been charged every month since i moved out and am now owed a total of $265.72 dollars for the 4 months i have been charged.Business Response
Date: 09/12/2023
Hello *******,
Thank you for reaching out to us regarding your experience regarding your cancellation.
Upon review, a cancellation request was submitted, however your property manager denied it. You should have received an email communication advising as such and to reach out to your property manager if you feel a mistake was made.
Your policy has expired but there was a system error in which the premium payments continued; We have processed your refund for the amount of $265.72. You should receive it with **** business days.
We apologize for the inconvenience and if you have any further questions, please reach out.
Initial Complaint
Date:08/18/2023
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.
This business advertises itself as an alternative to a security deposit - they advertise that the monthly payment of ************************** replaces an actual security deposit when renting. It does not. The monthly payment solely provides insurance for the landlord. Rhino charges the RENTER for any damages, despite in my case $6500 in ************************** that i was told by a RHINO representative would cover any move out damages, those damages were not covered. This business practiced false advertising and is extremely predatory. I am not the only person complaining.Business Response
Date: 08/29/2023
Hello ***,
Thank you for reaching out to us regarding your recent Rhino experience.
We are sorry to hear that our product was not to your liking, however we have helped many renters save money on upfront move-in costs.
We provide all renters with a Tenant Acknowledgement Agreement and bond to review prior to sign up. These documents provide the details of how the ************************** Policy is used and what happens when a property manager files a claim. You can log into your account at sayrhino.com to review your documents at any time.
If you have any further questions, please let us know.
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