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Complaint Details
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Initial Complaint
12/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
The client service department provided false auto insurance policies and details to existing customers like myself who wanted clarification. I simply ask of my vehicles are covered if it was in a collision caused by the other party who is uninsured. I researched the answer to be yes because i have collision coverage but the insurance company *** stated no.Business response
12/04/2024
Hello,
Please see our attached response.
Thank you.Customer response
12/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Sorry that i had to communicate through BBB ( you guys are great/good people in protecting the consumers) as this is the only way to get Connect Auto insurance to reply properly/promptly due to the bad customer service experience / vibe i had with some bad sarcasm. ( Dec 2 2024 around 6pm pst to be precise)1. Upon reading the response: On October 31, 2024, the Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage
was rejected as the complainant submitted a form required to reject the coverage.= For transparency, I only agree to half of the statement above. Correct me if i'm wrong, please share that form that i had uploaded which shows that I also rejected "Uninsured Motorist Property Damage". Clearly, it was only for "Uninsured Motorist Bodily Injury". Again, this is for bodily injuries coverage that i deemed was unnecessary per my personal opinion / rightful decision. I'm bringing this topic up so that i can protect myself for legal reasons on "god forbid" if there is future major auto incident. Look, I just want some clarity and no miscommunication/misunderstanding caused by the auto insurance agents that I had encountered. I believe some people are very bad at their job and they really don't care about the consumers concerns. Maybe some employees are there to only collect the easy paychecks/milk the system.
2. If you need to review the call logs, please listen to a much better agent in explaining my concerns. Her name is ******* which i contacted on Dec 3rd at 11:15 am pst to be precise. This is a world difference in customer service and someone that know how to do her job correctly. She clearly explained everything and ensured me that I am covered properly ( specifically, my auto vehicles property damages will be covered and that I only rejected Uninsured Motorist Bodily Injury). I had also request to escalate to a manager for consistency and review of previous encounters but never heard back.
3. I will upload and share my current auto policy by Connect so that you can help explain/point out again where is the part that states : I rejected "Uninsured Motorist Property Damage". From my understanding, the agent I had a bad encounter with told me that my vehicles property damages are NOT COVERED in case of an accident cause by the other party who are uninsured.
I hope American Family Insurance/ **************** take this matter seriously and truly help their customers sincerely, clearly and professionally. No customers should be misguided or mistreated by American Family insurance establishment:
American Family Insurance Purpose states:
The American Family Enterprise is a family of companies dedicated to delivering unparalleled service and exceptional protection to our customers.Our Vision
To be the most trusted and valued customer-driven *********************************************.Our Mission
To inspire, protect, and restore your dreams. Because we believe a dream is the most valuable thing youll ever own.Our Values
Accountable, caring, courageous, inclusive, innovative, and trustworthy.
Regards,
**** ******Business response
12/06/2024
Hello,
Please see our attached response.
Thank you.Customer response
12/06/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Also, ****** from BBB. I love that you guys exist and truly help the consumer in this kind of businesses. Please put this in your hall of fame positive comment or related. Thank you!!!
This is prove that an entity/corporation is AT fault for incorrect/misguided information in the insurance line of businesses. The result are painful, suffering and caused confusion to the consumers. I fight/report back for clarity/truth while others are discouraged/hopeless. I hope they (CONNECT - American Insurance Company from ****** affiliate) properly trained their bad employees because i'm sure that this is not the first time they have done this and i'm not the only victim out there. God bless the innocence.
Regards,
**** ******Initial Complaint
11/19/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am writing to formally lodge a complaint about a significant and unjustified increase in my car insurance premiums with American Family Connect, a provider through ******. My policy has experienced three premium hikes over the past year, which I believe warrant your departments review for potential price ********** December 2023, my premium was $353.87 for a six-month term. In June 2024, it increased to $437.87. While I understand that certain rate increases may occur due to market conditions in **********, I was not prepared for the latest jump in December 2024, when my premium skyrocketed to $772.87a 100% increase for the same coverage.I have been a policyholder with American Family Connect since 2019, have never filed any claims, and have consistently received discounts (see attachments). Despite these discounts, the steep rate hikes are placing a severe financial burden on me, particularly as a senior citizen on a fixed income. These frequent increases are difficult to manage, especially in the current climate of high inflation.On November 18, 2024, I contacted American Family Connect for an explanation or possible resolution, but the representative informed me that nothing could be done.I respectfully request that the Department of Insurance, Securities, and Banking review my case and assess whether these rate increases comply with California regulations. I believe these hikes are excessive and lack transparency, and I am concerned that they may reflect a broader trend of price gouging in the industry.Thank you for your attention to this matter. I look forward to your response.Business response
11/21/2024
Hello,
Please see our attached response.
Thank you.Customer response
11/21/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Please see the attached letter's.
Regards,
******* ******-****Business response
11/22/2024
Hello,
Please see our attached response.
Thank you.Customer response
11/25/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Good Morning,
I am writing to continuously formally express my deep concern regarding the recent rate increase of 100% imposed on my auto insurance. As both a senior citizen and a responsible consumer, I find this increase not only exorbitant but also deeply troubling. It is an unfair burden, and I believe it stands in direct contradiction to the protections afforded by Proposition 103.
The purpose of Proposition 103 was to safeguard consumers from excessive rate hikes and ensure that insurance companies remain accountable. However, these recent increases, with no justification other than profit maximization, raise the troubling question of whether the proposition is being enforced as intended. This situation seems to illustrate a clear disregard for the protections in place, leaving consumers like myself vulnerable to price gouging with no recourse.
It is particularly disheartening that after years of being penalized for using insurance when needed (which I have never filed a claim) that I now find myself punished simply for maintaining coverage without making claims. How can it be that, as required by law, we are compelled to have insurance, yet we are punished regardless of whether we use it? This feels like an unjust cycle that places financial hardship on law-abiding consumers while insurance companies continue to profit from the growing disparity between their rates and the affordability of coverage.
As a senior citizen on a fixed income, I am concerned that these increases will push people like me to the brink, perhaps even causing some to go without insurance entirely. If these unchecked rate hikes continue, I fear it will only worsen the cycle of inequality, with those who can least afford it suffering the most.
I urge you to take swift and meaningful action to investigate these rate increases, as they appear to violate the spirit, if not the letter, of Proposition 103. If we as consumers do not stand up and demand accountability now, it seems likely that these predatory practices will only escalate, harming many vulnerable individuals in the process.
Thank you for your time and attention to this urgent matter. I look forward to seeing how your office responds to this ongoing issue, and I trust that you will advocate for fair treatment for all consumers.
******* ******-****Initial Complaint
11/18/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
On j07/31/2024 is was involved in a accident in ***********, ********** while making a left turn into a fast food lo restaurant. The impact was forceful enough to knock my vehicle into the parking lot and spin me around a complete ******************************************** on my right quarter panel of my vehicle. Their were no injuries, no police report, police were called but would not come since their were no injuries, and no witness came forward. The other party did not apply their brakes at all and there were no skid marks on the pavement. In ********** that is normally an automatic at fault for failure to drive with due diligence. My insurance adjuster spoke with me once and declared me at fault for the accident. I have been a claims adjuster for almost 20 years handing personal, bodily injury and commercial claims. I feel the investigation was incompetent, slipshod, and unprofessional considering that my insurance company has a obligation to protect me and my rights and I feel this claim handling borders on bad faith investigation.Business response
11/18/2024
November 18, 2024
Better Business Bureau of *********
Attn: ****** B
**************************************************************************************
Re:
Regulator File Number: 22566899
Complainant name: ***** ******
Dear ****** B,
The above-mentioned complaint is related to an American Family Connect Property and Casualty Insurance Company policy. Please forward this complaint to American Family Connect Property and Casualty Insurance Company; NAIC ***** for handling.
I am respectfully requesting that you remove this file from our companys assigned complaints to ensure that it will not be used in the calculation of our complaint ratio.
If after reviewing this matter, you determine the complaint belongs to one of our companies, please return it to my attention for immediate handling.
If you have any questions or concerns, please contact me directly at the number provided below.
Sincerely,
Consumer Affairs Department
American Family Insurance Company
6000 American **************************
E-mail: *************************Customer response
11/18/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Can you forward the complaint to the correct company or make the company provide the information regarding where the complaint should be addressed. Thank you.
Regards,
***** ******Business response
11/20/2024
Hello,
Please see our attached response.
Thank you.Initial Complaint
11/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This insurer is engaged in fraudulent and decptive practices. The underwriter for this company is trying to collect auto insurance fees twice for the same driver on 2 seperate policies.Connect by AmFam, which is underwritten by American Family Insurance, has added a driver to my policy without my consent or valid reason. This same driver already has auto insurance with The General which is also underwritten by American Family Insurance.Connect by ***** has refused to investigate and resolve.Business response
11/04/2024
Hello,
Please see our attached response.
Thank you.Customer response
11/04/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Connect has not been able to provide any documentation indicating the driver lives at my address.The NC state driver's licensing agency does not show this driver living at my address as Connect has claimed.
I do not believe this driver can levallybe added to my insurance policy without my request or consent.
Regards,
**** ****Business response
11/11/2024
Hello,
Please see our attached response.
Thank you.Customer response
11/11/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Connects repsonse to this matter is dishonest and deceptive
Regards,
**** ****Initial Complaint
10/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear BBB,I am writing to formally lodge a complaint regarding the customer service I have received from *************************. My experience has been deeply frustrating, primarily due to a lack of communication and support from their representatives.I initially attempted to remove my son from my policy after learning he would not be living with me and has never driven the vehicle. I made this change online, but later realized I needed to call for confirmation. During my call, I was assured that if I submitted the necessary documents, I would not be responsible for the remaining balance on my account.Despite this **********************, I was charged and threatened with service termination if I did not pay the balance by the end of the month. I have communicated my situation, including that I am currently out of work due to medical reasons, but their responses have been unhelpful and dismissive.This experience has been incredibly stressful, and I feel that I have no choice but to cancel my services after this six-month premium. I hope that by bringing this matter to your attention, I can facilitate a resolution and prevent others from experiencing similar issues.Thank you for your assistance.Sincerely,[***** terrible [Policy Number: BX13290966]Business response
11/01/2024
Hello,
Please see our attached response.
Thank you.
Initial Complaint
10/29/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Car insurance from American Family Connect They offer multiple car discounts, good driver discounts but can not supply the consumer with the amount you are saving for the items. When I spoke to representatives they said it is in the system but they can not supply the information to the customer/ *********** real discount for using this company through ******, and the road service has been very unreliable.Overall poor business practices.Business response
10/30/2024
Hello,
Please see our attached response.
Thank you.Initial Complaint
10/15/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 09/25/24 My truck ***** F-150)and car ******* Crosstrek) were hit by someone insured by American Family Insurance. When my truck was impacted it was pushed forward into my car resulting in both being damaged where they connected. It is obvious that they connected and yet AmFam is trying to devalue the appraisal on the truck by saying the front bumper was previously damaged and that the damage to the ****** was pre accident so the ****** would not be covered. Neither of the vehicles had damage to them in that area previous to the accident. This is the second time that ***** has tried to ***** responsibility for damage that their insured caused.Business response
10/16/2024
6000 American Parkway
*******************
October 16, 2024
BBB of *********
Attn: ****** B
*******************************************************************
***********************************************************************************
Re:
File Number: 22428133
Complainant name: **** *******
Dear ****** B,
The above-mentioned complaint is related to a CONNECT powered by American Family policy. CONNECT operates as a separate entity, and is responsible for all policy servicing, claim processing, and premium billing.Please forward this complaint to CONNECT (**************************************************************************************).
I am respectfully requesting that you remove this file from our companys assigned complaints.
If you have any questions or concerns, please contact me directly at the number provided below.
Sincerely,
******* ********, Associate Consumer Affairs Specialist
American Family Insurance Company
6000 American **************************
Phone: ***********************
E-mail: **********************************
Fax: **************Customer response
10/16/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I would like to change this complaint to "CONNECT powered by American Family Insurance" and keep this complaint ID number if possible. It is essentially the same business as it is a subsidiary of American Family Insurance and shares the same address as well as email addressesIf possible I would like to change the complaint to...
CONNECT, powered by American Family Insurance
6000 American Parkway
*******, WI 53777-0001Instead of...
American Family Insurance Group
6000 American **********************************
Regards,
**** *******Business response
10/17/2024
Hello,
Please see our attached response.
Thank you.
Customer response
10/17/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Please type your response here.]
Regards,
**** *******Customer response
10/18/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I don't see that as a proper response. The fact that CONNECT powered by American Family Insurance is rejecting the damage done to my ****** has absolutely nothing to do with the privacy of their customer. It is an invalid response.
Regards,
**** *******Business response
10/24/2024
Hello,
A response was sent directly to the customer today, October 24, 2024.
Thank you.
Customer response
10/24/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I do not accept this response. I am in the process of having the rear bumper cover pulled off of the ****** Crosstrek so I can line up the damage on both cars to show that they do indeed correlate. The damage happened on the morning of the accident and there is zero doubt in my mind that once the cover is pulled off the ****** you will be able to see the connection points.
Regards,
**** *******Business response
10/25/2024
Hello,
Please see our attached response.
Thank you.
Customer response
10/25/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
CONNECTS Powered by American Family's response does not resolve anything on this matter. They are basically just saying that they choose not to respond here.
Regards,
**** *******Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Two & one half years ago a man in a pick up truck rear-ended me at a busy 5 street intersection as I was waiting for some pedestrians to finish crossing the street. The claims adjuster, May, first said ***** was not going to accept responsibility for the accident since their insurer said I had committed road rage. ???? How when he rear-ended my car? Then they agreed to pay 50%but only pay bills for same day or within 1-2 days of accident. I am a senior with health issues so I saw doctors for the following weeks.Outrageous!Business response
10/14/2024
6000 American Parkway
*******************
October 14, 2024
BBB of *********
**************************************************************************************
***********************************************************************************
Re:
File Number: 22411842
Complainant name: ******* *****
Dear ****** B,
The above mentioned complaint is related to CONNECT powered by Amerian Family, which operates as a separate entity, and is responsible for all policy servicing, claim processing, and premium billing. Please forward this complaint to CONNECT for handling (**************************************************************************************).
.
I am respectfully requesting that you remove this file from our companys assigned complaints.
If you have any questions or concerns, please contact me directly at the number provided below.
Sincerely,
******* ********, Consumer Affairs Advocate
American Family Insurance Company
6000 American **************************
Phone: ************************
E-mail: **********************************
Fax: **************Customer response
10/14/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Please type your response here.]Pls see included attachment which shows the response from adjuster who email & website state AFI & on behalf of American Family Insurance. The last response that they gave is misleading since I have never communicated or connected with anyone from Connect. As my complaint stated, it has been two & 1/2 years since the accident & Amer. Fam. Insurance still has not resolved the claim. I even hired a lawyer & they have given him the run-around.
Regards,
******* *****Business response
10/15/2024
Hello,
Please see our attached response.
Thank you.Customer response
10/18/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[Please type your response here.]
American Family first offered $500. but then went up to $1500. which I reject since my medical bills were over $15,000 so I will get a lawyer to sue them. Thanks for your help.
Regards,
******* *****Initial Complaint
10/03/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Access to our online homeowners policy has been interrupted by Connect. Attempts to restore the access through company agents on the telephone have not been successful. The issue is that the username on our policy was somehow changed without our knowledge or consent, and that has caused Connect to discontinue all access to our policy, including payment. This situation comes about when the policy is being handed off to a subsidiary of Connect. The policy number changed due to this handoff at the same time our username mysteriously changed and prevented access to our policy.Business response
10/04/2024
Hello,
Please see our attached response.
Thank you.
Customer response
10/04/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Even though the response to this complaint from Connect indicates they no longer service homeowner policies, it is the very transition to the Homesite company that they indicate that resulted in this complaint. The transition to Homesite caused our policy to become inaccessible and unserviceable. It is not acceptable that the company (Connect) simply wash their hands of the issue when they were the initiator of this transition.i have canceled my policy with Connect/Homesite,after 16 years with them due to my sheer frustration with this situation.
Regards,
**** ****Initial Complaint
09/29/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Policyholder: **** ******** Policy Number: HX01024662 Claim Number: ************ Incident Date: November 18, 2023 Subject: Inadequate and Delayed Insurance Response to Home Rebuild Claim I am writing to formally express my dissatisfaction with the handling of my claim by American Family Insurance. My home was severely damaged on November 18, Here are the key issues:The accident occurred on November 18, 2023.After American Family assessed the damage, the adjuster recommended a complete demolition and rebuild of the home.Despite this, it took until February 28, 2024more than three monthsfor the adjuster to send the initial estimate.The initial estimate provided was $355,000.However, the minimum required amount to rebuild is $450,000.I repeatedly requested an adjustment to the estimate and submitted estimates from my ************* contractor would not commit to a rebuild contract for less than $450,000.3.Lengthy Adjustment Period:Despite my consistent follow-ups and submissions, American Family took until July 2024 to raise the estimate to $422,000.This extended delay in adjusting the estimate further slowed down the rebuilding process, as we were unable to proceed without the necessary funds.4.Inadequate Living Benefits:My policy included 12 months of rental coverage while the house was being rebuilt.Due to the significant delay in receiving adequate funds from American Family, the rebuilding process only began in September 2024nearly a year after the accident.I requested a 3-month extension of rental benefits. American Family denied this request.Despite my dwelling coverage being $461,000, American Family has not offered more than $422,000 for the rebuild, which is inadequate for the required $450,000 rebuild costs.Sincerely,**** ******** *************Business response
09/30/2024
Dear ****** B,
Attached is American Family Insurance Company's response requesting this complaint be reassigned.
Sincerely,
******* ******
Associate Consumer Affairs Specialist
**********************************
Customer response
09/30/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Pleasse resend offer or resolution. I did not see either in the reply from american Family.Thankyou,
**** ********Business response
10/08/2024
Hello,
Please see our attached response.
Thank you.Customer response
10/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
While the response from the insurance company indicated they will resolve the items I stated in my complaint, they did not state specific details Regarding the number of months my living expense will be extended or the decision on the estimate increase they will be offering me. Once I find out these details I will be able to indicate the complaint resolved.
Regards,
**** ********Business response
10/08/2024
Response AttachedCustomer response
10/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The response the not resolve my complaint at this time. The company has promised to answer me with their decision by 10/17/24. Until then I must continue to have this case remain open.
Regards,
**** ********Customer response
10/24/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am requesting the following:Extention of my ALE ( additional 3 months)
Extention of the storage cost of my contents ( additional 3 Months)
Remove cost of the pack out from my Dwelling coverage. The pack out is not part of the dwelling.
Policyholder: **** ******** Policy Number: HX01024662 Claim Number: ************ Incident Date: November 18, 2023 Subject
Regards,
**** ********Business response
10/25/2024
Hello,
Please see our attached response.
Thank you.
Business response
10/28/2024
6000 American Parkway
*******************
October 28, 2024
Better Business Bureau of *********
c/o ****** B
**************************************************************************************
Re:
Regulator File Number: 22475317
Complainant name: **** ********
Dear ****** B,
The above-mentioned complaint is related to an American Family Connect Property and Casualty Insurance Company policy. Please forward this complaint to American Family Connect Property and Casualty Insurance Company;NAIC ***** for handling.
I am respectfully requesting that you remove this file from our companys assigned complaints to ensure that it will not be used in the calculation of our complaint ratio.
If after reviewing this matter, you determine the complaint belongs to one of our companies, please return it to my attention for immediate handling.
If you have any questions or concerns, please contact me directly at the number provided below.
Sincerely,
Consumer Affairs Department
American Family Insurance Company
E-mail: *************************Business response
10/29/2024
Hello,
Please see our attached response.
Thank you.
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Get a QuoteCustomer Complaints Summary
167 total complaints in the last 3 years.
56 complaints closed in the last 12 months.
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