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Business Profile

Financial Services

Vista Services

Complaints

Customer Complaints Summary

  • 92 total complaints in the last 3 years.
  • 34 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:16/07/2025

    Type:Order Issues
    Status:
    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 July 13, 2025, my tankless water heater, which I rent through a 12-year (144-month) contract from Vista Services (Vista Credit Corp.) and installed by *************************, stopped functioning. A technician confirmed that the unit is completely non-functional ("dead"), and I was told it would take approximately one week for repair. This left my household without hot water, which is an essential service, especially in ********Despite being under an active rental agreement that includes service and maintenance, no interim solution was provided, and I was not offered a replacement unit. I have contacted the company to request immediate repair or cancellation of the agreement without penalty, given their failure to provide essential service within a reasonable ************ date, I have not received a satisfactory response. I am continuing to be billed for a non-functional product, and no solution or timeline has been confirmed.I am seeking assistance from the BBB to help resolve the issue by having the business:Terminate the contract without penalty,Cease future billing,Arrange prompt removal of the equipment, and Refund any payments made after July 13, 2025.I have already filed a complaint with Consumer Protection Ontario and am prepared to proceed to Small Claims Court if necessary.

    Business Response

    Date: 18/07/2025

    We strive to dispatch service requests as promptly as possible upon receipt; however, scheduling is also dependent on technician availability. We are pleased to confirm that Vista has successfully connected with the customer and confirmed the appointment date and time.
  • Initial Complaint

    Date:11/07/2025

    Type:Billing Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The hot water tank rental was assigned from ***************** to VISTA Services. Once the OneBill program under Enbridge ended, VISTA Services started issuing statements and payments have been made promptly. But for some reason, VISTA Services has assigned the account to a 3rd party collection agency, Kingston Credit. I have been going back and forth with VISTA Services for the last 7 months to no success. I have provided them with statements showing proof of payment.Address of hot water tank rental: ********************************************************************************** Thanks,Arjun ******

    Business Response

    Date: 17/07/2025

    Dear Mr. ******************** you for reaching out and for your continued efforts to resolve this matter.

    Weve reviewed your account in detail and would like to clarify a few key points. Your hot water tank rental was originally billed through Enbridge under the OneBill program. That program officially ended on November 30, 2023, at which point Vista Services assumed direct billing responsibility for your account.

    Unfortunately, we did not receive any payments following the transition from Enbridge until January 2, 2025, when you began making payments directly through your bank. During the period between December 2023 and December 2024, no payments were received, despite multiple attempts on our end to connect with you.

    As a result of the prolonged non-payment and the absence of a resolution, the account was referred to our third-party collection partner, Kingston Credit. We understand youve expressed a preference not to work with the agency and instead deal directly with us, and were happy to accommodate that request.

    At present, your account reflects an outstanding balance of $772.12, which covers rental charges from December 2023 through December 2024.

    Wed be glad to work with you directly to bring the account up to date. Please let us know how youd prefer to proceed, and feel free to reach out if you need a copy of your account summary or payment options.

    Sincerely,

    Customer Answer

    Date: 17/07/2025

    Complaint: 23586916

    I am rejecting this response because:

    Please refer to the original attached documents which I have re-attached. Payments have been made promptly after the Enbridge OneBill program ended.
    Can you kindly review your accounting records as I believe the error is in your system. Is this a known issue on your end?

    And why I am only finding out about this now? I have been going back and forth with your customer service team (******) since December 2024.

    And I would like to see what documents you issued to resolve this matter before this was assigned to Kingston Credit incorrectly.

    Please review and advise.

    Sincerely,

    Arjun **********

    Business Response

    Date: 24/07/2025

    Hi Mr. ******************** you again for your patience and for providing the payment records they were a big help in getting this resolved.

    Ive completed a full review and reconciliation of your account. Everything is now fully up to date, and the file with Kingston Credit has been officially closed. You wont receive any further contact from them.

    Im truly sorry for the time and frustration this situation has caused. I understand how discouraging it must have been to deal with this over several months, especially after doing your part to make payments on time.

    As a gesture of goodwill and appreciation for your patience, Ive applied a two-month credit to your account. Youll see this reflected on your upcoming statements.

    If youd like a copy of your updated account summary or have any other questions, please dont hesitate to reach out Im happy to help.

    Warm regards,

    Customer Answer

    Date: 28/07/2025

    Complaint: 23586916

    I am rejecting this response because:

    Hello BBB/Vista Servics, 

    Thanks again for your help.

    I would like the following:

    -please re-assign account to ***** ****** (owner of 1168 Drawstring Lane)

    -Details:

    Account holder: ***** ******

    Mailing Address: *******************************************************************************************

    -please provide account summary

    -please provide confirmation that account holder information has been updated

    Once the above has been completed, I will review and advise.


    Thanks,
    ***** ******

  • Initial Complaint

    Date:10/07/2025

    Type:Billing Issues
    Status:
    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 writing to formally dispute the following account listed on my ********** Canada credit file, as I did not open or authorize this account. The details of the disputed account are as ******************************** Name: Vista Services Account Number: 3374 Original Balance: $4,957 CAD Current Balance: $4,957 CAD Date Opened: March 24, 2025 This account is fraudulent, and I have no knowledge of or responsibility for it. I never signed any document authorizing the opening of this account. Under the Canadian Consumer Credit Reporting Act and Personal Information Protection and Electronic Documents Act (PIPEDA), I request that this is removed from my ********** Canada and Provide me with written confirmation of the resolution

    Business Response

    Date: 11/07/2025

    Dear Mr. ********************* note that the account referenced was originally opened with Cricket Home Comfort, which has since been acquired by Vista Services. A copy of the signed lease agreement is attached for your reference.

    Our records show that your last payment of $192.81 was made on July 15, 2024, by credit card. Since that time, no further payments have been received. As of today, the outstanding balance is $681.60.

    Monthly invoices have been sent to the email address on file: ********************* Before the account was transferred to an external collection agency, it remained in our internal collections department for approximately 8 months with multiple attempts to resolve the mater.

    After an additional 90 days of non-payment with our external agency partner, the account was reported to ********** in accordance with applicable laws and standard reporting practices.

    If you believe this account was opened fraudulently, please provide a police report or relevant documentation for us to investigate further. In the absence of such documentation, the tradeline will remain as the account is valid and active under a signed agreement.

    If you would like to settle the account or discuss repayment, we are happy to assist you directly. 

    Sincerely,

    Vista Services

  • Initial Complaint

    Date:09/07/2025

    Type:Service or Repair Issues
    Status:
    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.
    Toward the end of May and early June, Vista Services of whom we were already a client of for 10 years contacted us as out hot water tank was at it's 10 year warrnaty limit and they advised of it's replacement. Vista instigated the contact and offered a deal to pay half of the involved instaltion costs for the new, tankless system. This was all agreed and the tankless system was installed by Brillia Heating on 4th June. We have tenants in that townhouse but al lwas apparently completed on the day. On 26th of June we heard from the tenants, after they had been a way for a few days, that there was a serious water leak coming through the main floor ceiling and walls. It was abundantly clear that the leak could be traced to the upstairs cupbaord and the new install of the new water tank system. My tenant had to shut the water off at the main entirely. We repeatedly have tried to contact Vista Services since that date and are still yet to even have someone deign to discuss this with us or even acknowlege our communications. This is now 7 emails and 5 voicemail/messages later. Brillia Heating who did install at least contacted us back after 2-3 days and sent round an engineer who discovered a fault with the new valve that had been fitted. They replaced this and since then there has been no more leaks, however, there is a good amount of damage to the ceiling and walls form the leak. This needs to be repaired. All I want to discus and point out to Vista is that the old system was working fine and without their salesmanship and contacting us for an "upgrade" we would not have made any changes. I am also trying to point out to them that they were very contactable when taking our money and arrnaging Void cheques, etc, so why can they not even discuss this issue. Our stance is that either they or the *************** that completed the install need to be culpable for repairs as the leak was determined to be with their parts and it occured so close to the install date.

    Business Response

    Date: 15/07/2025

    Thank you for your message. Vista has been in direct communication with Mr. ********* to address and resolve his inquiry

    Customer Answer

    Date: 15/07/2025

     
    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.

    Sincerely,

    **** *********
  • Initial Complaint

    Date:06/06/2025

    Type:Order Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I purchased a home with hot water tank installed. The payments were collected by Vista through ********. ******** has discontinued third party billing. I subsequently contacted Vista that the tank was showing signs of wear and that I also no longer wish to have it in my home. They insisted that a repair person attend. I reiterated that I will no longer use their services and to attend and retrieve their tank. I have sent many emails to Vista to collect their tank and to cancel their service and to stop billing me as I am not using their equipment. I have received letter from a lawyer threatening to put a lien on my home. Also I have receive letter from Vista that my information has been sent to collections. i contacted the collections D & A and spoke to ***** requesting a copy of my so-called contract. I called Vista and emailed them many times to produce to me a copy of my so-called signed contract that I may see my obligations to keep their services and why they refuse to cancel this service but keep billing me. This has been going on and on, around in a circle, I call Vista, they tell me they cannot access my so called account because it is with collections. I ask for a contract, they say, they don't have one. I keep being billed. There is no good faith on Vista's part to resolve this issue. I very much would like to no longer receive any more invoices from Vista, I would like to be relieved of any obligation to continue as a client of Vista. I wish Vista to provide compensation for their negligence in having my personal information being compromised and hacked. I want an apology from Vista which has been acting in bad faith by not agreeing to cancel a non-existent contract that they cannot produce, yet they keep sending me bills. I have sent numerous emails trying to resolve this and Vista simply keeps sending me bills. Vista is required to provide a copy of contract so I am informed in writing of my obligation; cancel bills, no more contact

    Business Response

    Date: 13/06/2025

    Dear Ms. *************** appreciate the opportunity to respond and work toward a resolution.

    After reviewing your account and the concerns you've raised, Vista Services has taken the following steps in the interest of closure:

    Your account has been terminated effective immediately.

    All future invoicing has been suspended, and the outstanding balance has been waived in full.

    We have recalled your account from the collection agency and requested that they cease any further contact with you.

    Your information will be removed from our active database, and no further communication will be made unless specifically requested by you.

    We regret any inconvenience or frustration this matter may have caused. Please consider this confirmation that your obligations to Vista have been resolved, and no further action is required on your part.

    If you require written confirmation directly from our office, you are welcome to contact us and we will be happy to assist.

    Kind regards,
  • Initial Complaint

    Date:31/05/2025

    Type:Customer Service Issues
    Status:
    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.
    We have a long term hot water tank rental with Vista Services (**************************************). We called Vista to place a service call today because we have no hot water and we would like our hot water tank be repaired as soon as possible. The company did not pick up the phone and had an outsourced company take our phone call. The outsourced call centre company instructed us to call another third party company called Brilia at ************ (***************************). We called Brilia and no one picked up the phone or returned our phone call. We called back the outsourced call centre for Vista and said they could not help us and we will have to wait until Monday to find out when our hot water tank will be repaired. This is not acceptable and would like a specific timeline when our unit will be repaired, financial compensation for living without hot water and an apology.

    Business Response

    Date: 09/06/2025

    Thank you for the opportunity to respond. We apologize for the delay in addressing the customers concern.
    The issue involved the homes internal plumbing, which is not covered under our rental agreement. A team member visited the property, diagnosed the issue, and advised the customer accordingly. We also provided information to help them understand the cause and potential next steps.
    We appreciate the chance to clarify and remain committed to supporting our customers.
  • Initial Complaint

    Date:27/05/2025

    Type:Sales and Advertising Issues
    Status:
    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.
    Vista services provides hot water tank as a rental service for my home in ******. They charged me a technicians visit for 124.30$ without my consent. I sent them an email twice within last 2 months for the refund and spoke to their customer service agent who asked me to email their service team. But there is no response for the email.We called vista service for not getting hot water in the house earlier (Feb,2025) this year. They sent a 3rd party technician who powercycle the unit and suggested to clear the outside vents and then provided an invoice with 0.0 $. But later after a month Vista services sent an invoice of 124.30$ and then withdraw the money from the account without my consent(pre paid billing) for the said visit claiming that the issue wasn't with the equipment but with something else. There are 2 issues with them, the way they are running their business 1) They should have guided us to perform basic steps like clearing vents, powercycle etc and inform about the charges in case the issue is not related to equipment OVER THE PHONE.2) If the consent is not given to withdraw any money outside the rental contract charges, how can they charge without seeking consent.

    Business Response

    Date: 30/05/2025

    Dear *********,

    Thank you for your follow-up.

    To clarify, our email dated March 21, 2025 clearly explained why the charge of $124.30 was applied. As outlined, your rental agreement covers mechanical failure of the equipment (parts and labor), but it does not cover:

    Blocked vents or ducts not caused by the equipment

    Thermostats requiring battery replacement

    Electrical issues within the home

    Missed maintenance, such as not replacing filters

    These exclusions are standard under your agreement, and the service call was billed accordingly. That same email also advised that the amount would be charged and invited you to contact us if you had any concerns or objections.

    That said, we value your business and, in the spirit of customer care, **** issued a one-time courtesy refund of $124.30. Please allow a few business days for it to appear on your account, depending on your financial institution.

    We consider the matter resolved and appreciate your understanding. Should you need further assistance, feel free to contact us at **************.

    Warm regards,
    Vista Services
  • Initial Complaint

    Date:12/05/2025

    Type:Service or Repair Issues
    Status:
    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.
    There was an unprecedented ice storm recently in our area and the power was out for 5 or more days. Our area was declared a disaster Emergency! I did my best to bail out water from my flooded basement and when I was able to borrow a genererator to get the sump pump working, I successfully got the water level down. Called Vista to let them know that insurance company inspector had declared the hot water tank needed to be repaired or replaced due to bottom of tank being under water for so long. This tank was put in April 2024 and this was just April 1st 2025 so tank is only 1 year into the rental agreement. Should have been under warranty one would assume?Vista said no to repair and no to replacement. They demanded I buyout the unit for $$1795.65 And told me to go through my home insurance coverage. They will then do a new rental agreement and replace with a new unit and give me a $200 prepaid MasterCard for signing up.I think they should be honouring the warranty on service and parts, not make me buy it out and renew. After reading all these negative comments regarding the lack of repair and service warranty and the push back from Vista to immediately force buyouts is very disturbing. Why would I want to sign up again with them and what happens next time there is an unforseen natural disaster? Another forced buyout?

    Business Response

    Date: 16/05/2025

    Thank you for reaching out and sharing the details of your experience. We understand the difficulties and stress that such an unprecedented ice storm and resulting power outage have caused.
    Please note that the warranty provided with the rental unit covers mechanical failures due to normal usage. Unfortunately, damages resulting from external events such as natural disastersincluding water damage caused by floodingare not covered under this warranty (please reference clause #** on your contract). In such cases, homeowners are advised to file a claim with their home insurance provider, as these types of incidents fall under insurance coverage rather than warranty service.
    In situations where the unit has sustained damage due to fire, water, or similar external factors, the cost of the damaged unit would typically be covered by the homeowners insurance. Once the insurance claim is processed, the homeowner may then choose to either replace the unit under a new rental agreement or purchase the unit outright.
    We understand your concerns and appreciate your feedback. While the situation is unfortunate, our procedures align with standard industry practices regarding damage caused by natural events. Should you have any further questions or require assistance please reach out to Vista Services Client Relations ******************************************************************. 
  • Initial Complaint

    Date:22/04/2025

    Type:Order Issues
    Status:
    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.
    Ive been using Vista Services hot water tank rental since March 2023, paying $56 monthly until December 2024, when the price increased to $60 per month. In total, *** paid approximately $1,300 to date. I find the $60 monthly fee too costly and wish to cancel the service and have them retrieve their tank. When I contacted customer service to request cancellation, they were unhelpful and rude, stating that I cannot cancel and demanding $4,808.29 to terminate the contract. My contract number is ******V. Its unfair to charge me $4,808.29 for a $2,000 unit, especially after paying $1,300 already. Please assist me in resolving this issue with Vista Services.

    Business Response

    Date: 23/04/2025

    We understand your concerns and would like to clarify that the contract rates for the water rental agreements are fixed and cannot be changed once the agreement is signed. There is an increase on the rental payments by 3.5% annually on the anniversary of the commencement date, for your account this happens every March. Please refer to Terms and Conditions #6 Additional Charges. The rental price pricing is based on factors such as the product type, contract length, service and warranty coverage and financing costs. Your current rental rate is $53.23+HST year 2-3 on the contract.

    Please find attached copy of the contract. The contract cannot be cancelled by returning the unit, a buyout is needed. The buyout as of todays date is $4,808.29 tax included, fulfilling the remaining of the 12 year term. The maturity date is March 14, 2035.  To receive your contract purchase price, refer to the Buyout Schedule posted on our website (*****************************************************************).

    The contract is not a LOAN where the payments you have made reduces a principal balance as explained in the factors outlined above. 

     

    Thank you, 

  • Initial Complaint

    Date:17/04/2025

    Type:Order Issues
    Status:
    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 dispute the lien that Vista Credit has placed on our property. This action is completely unjustified for the following reasons:We were never informed that there was a rental hot water heater (***) associated with the property at the time of purchase.- The real estate listing made no mention of a rental ***** At no point during the purchase or closing process did we agree to assume responsibility for any rental contract for the ***** Vista Credit does not have a rental agreement signed by either myself or my wife.- Upon learning of the situation, we informed Vista Credit that they were welcome to retrieve the *** or that we would return it. They refused both options. The unit has been disconnected and stored in our garage for over six years.- Vista Credit should be pursuing the original contract holder, not us, for any outstanding rental obligations.Placing a lien on our property under these circumstances is both unreasonable and legally questionable. The failure of the previous owner and ******* to disclose the *** rental agreement is not our liability. Vista Credit should direct their claim to the individual who originally signed the contract.We are fully prepared to escalate this matter to small claims court, where we are confident a judge will find in our favor and order the immediate removal of the lien.We request that Vista Credit remove this lien promptly to avoid further legal action.

    Business Response

    Date: 22/04/2025

    The account in question was terminated and closed in 2023. The Notice of Security Interest (NOSI) has been discharged; a copy of the discharge is attached for your reference.

    This information was provided to the lawyer in 2023 after it was confirmed that the rental unit was not included in the Agreement of Purchase and Sale. At that time, the debt was written off, as the previous owner had passed away.
    It was communicated by you at the time upon taking possession of the home that the unit had been discarded.

    Thank you.

    Customer Answer

    Date: 23/04/2025

     
    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.

    Sincerely,

    ******* *********

    Customer Answer

    Date: 24/04/2025

    Follow-Up on BBB Complaint ID: ******** Outstanding Lien

    Following a detailed review with our real estate lawyer, we discovered that there were two separate liens placed on our property related to the same hot water heater.
    While the second lien dated January 26, 2023 has been successfully removed, the original lien from October 4, 2018 still remains on title. We believe this lien should also be discharged, as it pertains to the same matter outlined in our original BBB complaint (ID: *********.

    For your reference, I have attached:
    A copy of the Parcel Register highlighting the outstanding lien.
    The Discharge document provided by Vista Credit in response to the initial BBB complaint.

    We kindly request that the remaining lien be removed promptly, consistent with the resolution of the prior complaint.
    Thank you for your attention to this matter.

    Customer Answer

    Date: 28/04/2025

    Please confirm you have received the additional information for BBB Complaint ID: ******** Outstanding Lien.

    This was closed but after further investigation we realized Visit Credit had actually placed 2 liens on our property for the same HWT rental.  I added addition information and attached 2 additional documents.

    Business Response

    Date: 29/04/2025

    Hello,

    Please find copy of Discharge.

    Thank you.

    Customer Answer

    Date: 30/04/2025

     
    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.

    Sincerely,

    ******* *********

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