Credit Card Merchant Services
Square, Inc.Headquarters
Important information
- Customer Complaint:BBB’s business profile for Square was created in August
2010. A review of complaints was completed in August 2024. Complaints on file
state issues with consumers’ account being deactivated.
For information related to refunds and code of
conduct BBB encourages consumers to review the General Terms of Use, specifically
section 12 Modifications and Terminations, that details company policy.
https://squareup.com/us/en/legal/general/ua
Complaints
This profile includes complaints for Square, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 3,128 total complaints in the last 3 years.
- 1,096 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:11/14/2023
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a small business (LLC) Approximately 1 1/2 - 2 weeks ago, I got the Square credit card reader app. to be able to take payments from customers. I gave all necessary info requested. Square emailed me that my banking info WAS VERIFIED. Later I got another email saying my banking info COULD NOT BE VERIFIED. I had sold about $135 worth of items. The sales show that they went through to Square. I again I tried to send banking into and checked with my bank to make sure they recognize Square. Guardian ************ does recognize Square. Square is now saying it will take until Fri. 17th to verify banking info. My money is sitting there and there is no telling whether they will say the same thing again. There is absolutely no phone number that allows one to talk to a human to find out why the delay or what the problem is. I've called the number given online but they say they will send an email. Earlier they sent an email saying the same as before. As a small business, I need monies I made to be available. They also say their service is free but have indicated that they charged me $5+. Your help is needed.Business Response
Date: 11/22/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 7 days via email to help.
Thanks,
SquareCustomer Answer
Date: 11/22/2023
Complaint: 20869212
I am rejecting this response because: Since filing the complaint with BBB, I tried again to update banking info., about 3 times. They continue to say that my bank info. cannot be verified. My bank is saying they see NO indication that Square tried to verify my acct. - verification is done via Square attempting to withdraw $1 or less amount from my acct. Guardian rep. continue to say no such withdrawal has come through because it would have gone through. Square is either continuing to try to verify an old acct that has been closed for years or they are not going through the verification process. In the meantime, they still are holding more than $235 that belong to me. And why did they deduct $5.29 from the overall amount if their service is free?
Sincerely,
*****************************Business Response
Date: 12/04/2023
Hello,
Thanks for following up. It looks like we reached out to you via email in regards to this complaint on 11/28/2023. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to the last email sent to you from Square. You can also reach out to support at squareup.com/help.
Thanks,
SquareCustomer Answer
Date: 12/05/2023
Complaint: 20869212
I am rejecting this response because: Square continues to send the exact same response. I cannot count the times I've input the correct bank info. on their site, via their instructions. Yet they continue to verify the acct I closed years ago. I've spoken with my bank and they say they see NO request for debit nor deposit to my account, from **********************. May I add that Square is continuously sending me ads/emails requesting that I open a checking account with them. There is no way I would ever trust them to handle my banking needs when they cannot resolve this issue in a reasonable timeframe. I does seem that they might see their way to get the problem resolved if I did open an acct with them. I've even requested that they mail me my money. And, after all this time, I have yet to be able to talk with a human Square rep. I believe Square is operating half step from a scam. As a small business, I need my sale money when I make the sale. They should mail me my money since they cannot seem to verify a legitimate bank account. They took their fees out of my money instantly.
Sincerely,
*****************************Initial Complaint
Date:11/14/2023
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.
Square has put my funds on hold and completely taken my earned funds out of my account. ********************** says that they randomly review accounts and ask for additional information which is fine once or twice a year but I have been put in this random review over 6 times and have sent in supporting documentation every single time. My reserves were kept and released after 60 days but then they froze my account yet again once they released my reserves that they held for 60 days and my account is at $0 when it should show about $700-800. I did not get any email communication or phone call regarding this and have submitted the necessary documentation again but still no communication and no money. The amount of times my account has been in review is the exact reason I have to leave square because this directly affects my business. My business name is GA Expos LLCBusiness Response
Date: 11/21/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 7 days via email to help.
Thanks,
SquareInitial Complaint
Date:11/14/2023
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.
On July 31st, 2023, our account with ********************** was deactivated without explanation after 1 transaction. We were told that our funds would be held for 90 days, and then be transferred back to our bank account that we have on file. After the 90 days, we were told that we could not have our money. No one will tell us why.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareInitial Complaint
Date:11/14/2023
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.
On November 10th Square took out $81.39 from my account without my permission. I did not even know what this company was. I am disabled and do not drive. When I contacted them they couldn't tell me where my money was. They kept asking me for an email. I never got any email. I checked all emails and spam. There was nothing. I finally spoke with a Supervisor and with a slip of a tongue she said they get the debit card numbers from stores. But wouldn't tell me what store she got my number from without a Sapina. This needs to be looked into. It is costing me $50 to dispute these charges. Please keep me informed. Thank you.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareCustomer Answer
Date: 11/18/2023
Complaint: 20868037
I am rejecting this response because: They said it would say SQ and the ********'s name that gave them my card number. That is not what my account says. Also I would like them to reveal how they go my card number. If they are not doing shady business this should not be a problem for them. I am on social security and Reply solely on a monthly check. These people took my money without my permission. Someone needs to help me. This is not okay. This is Theft! I want the ********'s name who gave out my card number please and my money. I have started a dispute of charges with my bank but this with cost me also. I believe that this company is scamming numbers, atleast they scammed mine.
Sincerely,
*****************************Business Response
Date: 11/22/2023
Hello,
Thanks for following up. It looks like we reached out to you via email in regards to this complaint on 11/17/2023. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to the last email sent to you from Square. You can also reach out to support at squareup.com/help.
Thanks,
SquareCustomer Answer
Date: 11/27/2023
Complaint: 20868037
I am rejecting this response because: you did not answer any of my questions. Nor did you give me a solution to giving me my money back. I need to know how you received my debit card without my permission and I want my money back. This last response was just a bunch of jumbled words. I want the Merchants name that gave you my card number. You cleared out my bank account and find no fault in this. You are wrong on so many levels. But you act like this is an okay thing to do. You robbed me!
Sincerely,
*****************************Initial Complaint
Date:11/14/2023
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.
Bank transfer payment: 11/1/23 @11:20 AM Amount: $1,670.00 Receipt #nfMT Actions taken: I provided all required documents requested from Square. Square responded back and said nothing else was needed. The funds cleared my client's bank through an ACH transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. Bank transfer payment: 11/1/23 @7:09 PM Amount: $30,000.00 Receipt #5YeA Actions taken: I provided all required documents requested from Square. Square responded back and said nothing else was needed. The funds cleared my client's bank through an ACH transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. Bank transfer payment: 11/2/23 @5:26 AM Amount: $30,000.00 Receipt #jvr0 Actions taken: I provided all required documents requested from Square. Square responded back and said nothing else was needed. The funds cleared my client's bank through an ACH transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareCustomer Answer
Date: 11/20/2023
Complaint: 20867221
I am rejecting this response because: I have sent in all required documents that Square **** has asked for and still the decision to hold my funds is unacceptable. They give no reason but yet take the fees that Square *** charges out of the money transfered to me. This is a hinderance to my business, it is now causing a domino affect of problems. My personal bills are due, my rent is now overdue, in which now i'm being evicted for non payment. Square *** is using my funds to be a asset to fund and operate their company. This is illegal and it should not be allowed. The funds has cleared my clients account and is now sitting in the account of ********************** **** it is not ethical or right for this company to hold my funds for 90 days for no solid legitimate reason. The funds needs to be released immediately due to the hinderance of my business, causing negative actions being taken by client and problems with personal life.
Sincerely,
*************************Business Response
Date: 11/22/2023
Hello,
Thanks for following up. It looks like we reached out to you via email in regards to this complaint on 11/21/2023. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to the last email sent to you from Square. You can also reach out to support at squareup.com/help.
Thanks,
SquareCustomer Answer
Date: 11/27/2023
Complaint: 20867221
I am rejecting this response because: The following response given by Square **** is vague and unacceptable. Written below is the response given and still they refuse to honor a detailed answer of reasoning. This theft and beyond a stall tactic to continue holding funds illegally. Per conversation with Square funds were agreed to be released once cleared by the *** transfer. Square since has collected the fees and obtained the monies for there services but fail to release the monies earned by my business. The use of my companies hard earned money is not suppose to used for the interest of there corporation. This is illegal and warrants immediate attention to get resolved in satisfaction of customer/client relations. Each response given by Square *** is not a valid answer to why the funds are being held. The funds are in no jeopardy of a charge back being they have cleared through an *** transfer.Please read the below following message sent to the support team of Square *** in which the company still disregards the complaint by stalling and giving vague responses.
*************************
*****************************************************************
**************************
Ph: **************
November 27, 2024
Square ****
Customer Support: Attention ****
***********************************************************************
Subject: Complaint Letter Regarding Theft of Holding Funds and Failure to Release
Dear **** (Square Complaints Manager),
I am writing this formal complaint letter to express my extreme disappointment with the unethical business practices exhibited by Square **** I have incurred an extremely frustrating situation involving the improper withholding of funds in my Square account.
I am using Squares payment processing services for my small business. Square was recommended for small business owners to complete money transfers, and up until now, I have been mostly satisfied with how your services work. However, the recent incident has left me deeply dissatisfied, frustrated, and distrustful towards your company.
On November 1, 2023 @ 11:20 AM I processed a customer transaction of $1,670.00 (receipt #nfMT), November 1, 2023 @ 7:09 PM I processed a customer transaction of $30,000.00 (receipt #5YeA) and lastly on November 2, 2023 @ 5:26 AM I processed a customer transaction of $30,000.00 (receipt #jvrO) through Square, which was successfully completed and confirmed. As per the usual procedure, I expected these funds to be deposited into my linked bank account within the standard settlement period of 1-2 business days. However, to my utter dismay, the funds were not released and remained in my Square account for an unreasonable period of time. Square **** has successfully deducted and collected fees for the transactions above mentioned but failed to release funds to my bank account so that I can operate my business as well as use hard-earned money to pay my bills and live life.
When I realized that the funds were not being transferred as expected, I immediately reached out to Squares customer support through phone and email support. I was instructed to verify account information, verify bank information, and when everything asked from Square **** to be answered and verified Square's customer support team confirmed and verified that funds would be released within a few days of approval through a cleared transfer from the client. Though initially being assured that it was a mere delay due to an unexpected decision solely decided by Square. I have since been given inconclusive and vague responses from your representatives without any concrete explanation or resolution.
Naturally, this has caused severe financial distress for my business, as I rely heavily on these funds to cover operational expenses, purchase inventory, and meet financial commitments. Furthermore, the lack of responsiveness from your team has made the situation even more unbearable and unprofessional.
I demand immediate action to address this issue and an explanation for the unjustified withholding of my funds. It is completely unacceptable and unethical for a company of Squaress stature to engage in such deceptive practices, resulting in theft of my hard-earned money.
I insist that you rectify this issue without any further delay by immediately releasing the funds and compensating me for the financial losses and mental agony caused by your negligence. I expect a prompt resolution of this matter, or I will be left with no choice but to escalate this complaint to the appropriate legal authorities including the *********************** and take further legal action to protect my rights as a consumer.
I look forward to receiving your immediate response within a reasonable time frame of 3-5 business days. Your prompt attention to this matter is greatly appreciated.
Yours sincerely,
*************************
Take7 Enterprises LLC
**************
Sincerely,
*************************Initial Complaint
Date:11/13/2023
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'm a small woman-owned business, NW Tech Supply. Square deactivated my account without reason in July 2023, and sent me an email saying that my funds ($1,788.04) would be delivered to my bank account on Oct 25, 2023 (a 90-day waiting period). The date has come and gone and I have emailed 3 times asking for an update. I have received only automated responses that provides no information or direction. The live chat option has been disabled, and when I call the phone number, I cannot speak to anyone. The system tells me to refer to the email I received with the date the funds will be released. I have verified that I have an active/verified bank account attached to my account. I simply want the money that they said would be delivered. Please assist me in getting this resolvedBusiness Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareInitial Complaint
Date:11/13/2023
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 re established our Square account on November *********, account verification was made by $.01 deduction and deposit on the same day. Additionally we made a $5.00 charge from another card to check that it would go through, we saw it was immediately deposited. We then billed our customer in two charges totaling $53,147.08. via **************** number provide by the client. the option again for immediate/same day transfer was selected and the extra fee accessed. We did not see the money hit our business account but the transaction was being held without explanation? I called the Square number and was told that it was under review and I asked to escalate our case number (********). I was told that someone from Square was going to contact me in 1 to 2 business days?! as of Monday 12:00Pm PST I have not received a contact,call or otherwise. I believe its fraudulent to sell such services; conduct business in this way in regards to banking. We could have used our own bank to do the transaction, but we had the account set up and had seen the transactions go through (attached PDF) and because of the same day transfer option we went forward. Again, Had I known they would hold our money I would have explored other options.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareInitial Complaint
Date:11/13/2023
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.
An unauthorized charge was processed on my **** Card on 7/20/23 for $2,098.80. The charge was made by Square, and the records show that someone manually keyed my credit card information into the Square App. I contacted the merchant whose name appears on the transaction, and that merchant does not even use the Square App. It looked like someone stole my credit card number, and falsely listed a merchant name when they made the transaction.I immediately informed my bank, and they did remove the charge. I waited the 90 days for the *************************** to do their investigation. My money was fully refunded. However, I want to know the identity of who made this unauthorized charge on my account.I called ********************** today to find out the name on the Square account of the merchant who fraudulently used my credit card. The representative who I spoke to said that he couldnt give me that information, and then he hung up on me. I cant fathom that the Square App has no way to track down a charge that was made using their app. This transaction has to be recorded on the Square App account user. Please assist me in holding ********************** accountable for their part in this fraud, and finding out the identity of the person who made this unauthorized charge on my account.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareCustomer Answer
Date: 11/19/2023
Complaint: 20864305
I am rejecting this response because I feel like I am again getting the runaround from this company. I will accept the response once they provide information on who charged over $2,000 on my credit card using their Square App.
Sincerely,
*****************************Business Response
Date: 11/22/2023
Hello,
Thanks for following up. It looks like we reached out to you via email in regards to this complaint on 11/21/2023. In reviewing that interaction, we can confirm we have provided the correct information for this issue, consistent with our Terms of Service. If you have any additional questions, please respond directly to the last email sent to you from Square. You can also reach out to support at squareup.com/help.
Thanks,
SquareCustomer Answer
Date: 11/27/2023
Complaint: 20864305
I am rejecting this response because I am seeking to find the identity of the Square account holder who fraudulently charged $2,098.80 on my credit card using the Square App. My bank did an investigation and determined that fraud was committed using the Square App. My husband's bank account was also hacked around the same time. We are trying to find out if the same person is responsible for both hackings. Square was complicit in this fraud, yet Square is taking no responsibility for the fraud, and is refusing to assist me in finding the identity of the criminal.
Sincerely,
*****************************Initial Complaint
Date:11/13/2023
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.
My account was deactivated and I had a $1000 balance which was held for 90 days per their terms and conditions. Its been almost 2 weeks since the 90 day **** and I call everyday and am told it would be taken care of that same day. For 12 days Ive called and was told by a representative the money would be transferred into my linked bank account the same day. Its now been 14 days and ** being told the same thing everyday and a manager isnt availableBusiness Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
SquareInitial Complaint
Date:11/13/2023
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 am writing to file a formal complaint against Square regarding the unjust and unprofessional deactivation of my account. According to an email from the Square Secure Team, my account was deactivated due to an alleged inability to support my business needs. This decision is not only disappointing but also causing significant inconvenience and financial distress.I currently have $1000 in my account, and the lack of communication or explanation for this deactivation is deeply concerning. The email stated that my funds will be held for 90 days, with release scheduled for February 06, ****. This timeline is unreasonable and excessive, especially considering I rely on these funds to operate my business.I demand a more detailed explanation for the deactivation and a prompt resolution to this situation. The inability to reach anyone at Square for further discussion adds to my frustration. I insist on speaking with a Square representative to address this matter effectively and urgently.This sudden deactivation feels borderline fraudulent, and I am left with no option but to seek assistance from the Better Business Bureau to resolve this issue. I trust that you will take this matter seriously and help facilitate a swift resolution. Failing to do so may compel me to explore further legal actions to protect my interests.I appreciate your prompt attention to this urgent matter and look forward to a timely response.Business Response
Date: 11/17/2023
Hello,
Thanks for reaching out and making us aware of this issue. Were sorry to hear about your experience. A member of our team is investigating your issue and will follow up with you within 6 days via email to help.
Thanks,
Square
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