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Business Profile

Financial Services

Primerica, Inc.

Headquarters

Complaints

This profile includes complaints for Primerica, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Primerica, Inc. has 850 locations, listed below.

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    Customer Complaints Summary

    • 237 total complaints in the last 3 years.
    • 90 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:06/19/2025

      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.
      My mother has a term life insurance policy for *********. It has been active and paid on time since April 10, 2016. She passed June 11, 2025. Primerica doesnt want to pay out ********* or refund the beneficiaries the money that our mother has spent since April 10, 2016 in order for us to pay for our mothers home going services and family support in our time of need.

      Business Response

      Date: 06/20/2025

      We have received your complaint, please provide your mother's name and policy number so we may review and respond accordingly.  
    • Initial Complaint

      Date:06/09/2025

      Type:Product 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 was told I had to pay $99 for a pre-licensing course and my contract said I could not get a refund once my course was started. My recruiter ****** STARTED MY COURSE to demonstrate how to cheat on the exams by instructing me to use AI tools to answer my test questions. By her starting the coursework for me, this stripped away my right to a refund. I also requested to cancel the $25/monthly POL subscription fee and requested a refund. I was told my account was too new to refund or cancel my subscription. Overall, I am very disappointed at how deceitful this company and its recruiters, Vice Presidents, and Presidents are. Primerica claims to help the community and help families become debt free but is deluding jobseekers to pay "just" $124 to become licensed.

      Business Response

      Date: 07/08/2025

      Better Business Bureau
      Attn: ****** *****
      Dispute Resolution Counselor
      ************************************
      ******** *******; 30022

      July 8, 2025

      RE:    BBB Case:   23447122
      Consumer: ********* ******

      Dear Ms.*****:

      I am writing in response to the complaint that ********* ****** filed with the BBB on June 9, 2025.  Primerica is a corporate general agent that markets financial products, including life insurance, through independent contractor sales representatives.  Recruits,such as Ms. ******* submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee.  Once recruits are properly licensed, they receive commissions, not salary.

      We have researched Ms. ******* complaint and have determined that on or about June 9, 2025, we received her *** that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On Line (POL) fee.  The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that Ms. ****** contacted Primerica on or around June 16, 2025,after she filed her complaint with the BBB, and requested a refund for her IBA fee.  On that same day, Primerica issued a refund of $99 which was rejected by Ms. ******* bank.  Primerica then issued a refund of $99 for her IBA fee and $25 for her POL fee, as a check. Both checks were mailed to Ms. ******* address on file, for a total refund of $124.    

      We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.

      Sincerely,

      ****** M. ******

      ************ (phone)
      ************ (fax)

      Customer Answer

      Date: 07/08/2025

       
      Complaint: 23447122

      I am rejecting this response because I never received any check in the mail for a refund. The morale of this company has been disregarded by all of the employees. No further action required. 

      Sincerely,

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

      Business Response

      Date: 07/16/2025

      Better Business Bureau
      Attn: ****** *****
      Dispute Resolution Counselor
      ************************************
      *******, *******; 30022

      July 16, 2025

      RE:    BBB Case:   23447122
      Consumer: ********* ******

      Dear Ms.*****:

      I am writing in response to Ms. ****** rejecting our initial response.  We do apologize that Ms. ****** did not receive the initial checks that were mailed to her.  We will resend two checks to the address on file.  We would ask that Ms. ****** allows at least seven business days for processing and delivery of her checks.  ************* has any other concerns, she can reach out to me directly, via email, at **************************************************************************.

      We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.

      Sincerely,

      ****** M. ******

      ************ (phone)
      ************ (fax)
    • Initial Complaint

      Date:06/09/2025

      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 signed up with Primerica but decided to cancel my involvement. On June 6th, I took multiple steps to officially cancel my account and Rep **** called ********************** to request cancellation,I emailed the company to document my cancellation request, and I locked my debit card to prevent any further charges.Despite these clear actions, I was still charged $99 on June 9th, which caused my bank account to go into a negative balance. This charge was unauthorized and should not have occurred, as I had already taken the necessary steps to cancel before the transaction.I am requesting a full refund of the $99 and written confirmation that my Rep ** and all associated accounts are permanently deactivated. Primericas failure to honor my cancellation and prevent unauthorized withdrawal has caused financial stress, and I am bringing this to the BBB due to the lack of resolution and accountability.

      Business Response

      Date: 07/08/2025

      Better Business Bureau
      Attn: ****** *****
      Dispute Resolution Counselor
      ************************************
      *******, *******; 30022

      July 8, 2025

      RE:    BBB Case:   23442530
      Consumer: Chancely ******

      Dear Ms.*****:

      I am writing in response to the complaint that Chancely ****** filed with the BBB on June 9, 2025.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as Ms.******, submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee.  Once recruits are properly licensed, they receive commissions, not salary.

      We have researched Ms. ******* complaint and have determined that on or about June 6, 2025, we received her *** that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On Line (POL) fee.  The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that Ms. ****** contacted Primerica on June 9, 2025 and requested a refund for her IBA fee.  Primerica received notification on June16, 2025, that Ms. ******* payment was returned by her bank.  Unfortunately, no refund is due.   

      We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.

      Sincerely,

      ****** M. ******

      ************ (phone)
      ************ (fax)
    • Initial Complaint

      Date:06/04/2025

      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.
      The agent *** in ********** CT struggled to maintain a clear boundary between business and professionalism. She also spent refused to provide the insurance information to bury my relative. To date I was in tears with the insults and disrespect received.The office called the Bloomfield *** to assist and their offer was rejected although she was desperately struggling.They were disorganized and it took a month to sort through all the necessary documents. My sibling and I nearly canceled our policy due to this lack of professionalism. When I inquired about an assistant to help with the process, I was told there wasn't one. Even when calling the agents, their responses were rude and dismissive. One agent made me feel belittled by implying I didnt understand, without knowing my education level or professional background. My bank manager can also attest to the severe unprofessionalism and disorganization we experienced.Furthermore, the ***resentative suggested that we put only one child down for life insurance, completely ignoring the other children. They also insulted me regarding the personal relationship I have with my grandmother. When I mentioned that we were considering investing elsewhere, the ***resentative became aggressive, harassing me daily, and was unhelpful in providing the information I needed. Inappropriately, the ***resentative disclosed what my relatives were entitled to, which is private information I believe should not have been shared. After spending five hours with me without providing the necessary paperwork, the ***resentative ultimately hung up on me.

      Business Response

      Date: 06/05/2025

      We have received your complaint and apologize for the service you have received. So that we may review further and respond accordingly please provide your policy number and agent name.

      Thank

      Customer Answer

      Date: 06/11/2025

       
      Complaint: 23426475

      I am rejecting this response because:

      Policy number attached *** is Lissette 

      Sincerely,

      Whitney Discreet

      Business Response

      Date: 06/18/2025

       

      RE: Complaint ID No. ********

      Dear BBB Analyst,

      Thank you for forwarding Ms. ******* ********'s complaint. On behalf of PFS Investments Inc.("PFSI"), we appreciate the opportunity to address these concerns with Ms. *************** PFSI has already spoken with Ms. ******** and we are working on a resolution to her concerns.  If you have questions, please contact me at ************************************** or *************. 

      Thank you for your attention to this matter.

      Regards, 

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

      Senior Legal Counsel

      PFS Investments Inc. 

       

    • Initial Complaint

      Date:06/04/2025

      Type:Product 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 Priamerica told myself that I had whole life insurance policy when I started. I was also told that I wouldn't have to worry about my payment going up moving forward. I've canceled my policy with them and requested a refund back from last month. I was told that I should receive it but as time goes on their telling me one thing and going behind my back after speaking to me disputing my refund. It's all a scam nowadays can't trust anything.

      Business Response

      Date: 07/02/2025

      We have sent the complainant a detailed explanation of our company's position regarding her belief that she had purchased a whole life insurance policy. Due to privacy concerns, we will not provide those details in this response. However, we trust that our resolution of the matter will be satisfactory.
    • Initial Complaint

      Date:06/04/2025

      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.
      I am filing a complaint because my parents got life insurance with this company back in 2012 and they have been paying for 13 years!!Please keep in mind 13 years! This is a long time and we are not talking about 1 year or even 24 months. Of PAYING coming out of their pocket to pay for this policy. Please keep this in mind. It has been 13 years my parents have been paying this policy and just because they were late for 3 months of payments they decided to TERMINATE their policy in November of 2024.Once my parents sent the money to cover for the missed payments they (PRIMERICA) decided to return the check and they decided to NOT ACCEPT THEIR PAYMENT. Since this is a very important insurance to have obviously it has always been important to my parents to pay. Unfortunately my mom landed in the hospital and unable to work that's the reason they couldn't pay it. And now my mom has passed this May 7, 2025 and now that I am claiming for the insurance they are saying they can no longer help us!!We are extremely upset! there is no way this company can stay with my parents money just for 3 months missed and then my parents trying to make everything right again to continue their very important policy and they (PRIMERICA) just decided to say "sorry there is nothing that can be done" IS RIDICULOUS! Now please, due to my calculations my parents have been paying $396.74 every single month since 2012!! now if you make the calculations for 156 months that has been 13 years! its $61,****** parents had chosen a policy for $150,000. This is not a couple hundred dollars we are talking about. It's 13 YEARS worth of sweat and hard work my parents have been paying off to this company and all for them to just say "sorry" is not enough. Please excuse me if I sound a little rough but this is unacceptable.If they are a true "PROFESSIONAL COMPANY" as they say they are they would help their customers solve the problem and not just say "sorry". Please BBB help me file this claim. Thank you

      Business Response

      Date: 07/01/2025

      We have mailed the complainant a detailed letter of explanation, which explains our position in response to her request. Due to privacy concerns, we will not provide those details in this response.

      Customer Answer

      Date: 07/01/2025

       
      Complaint: 23420522

      I am rejecting this response.

      I have proceeded in involving legal action towards Primerica Inc.

      As to the unfairness of their professionalism in wanting to work with us.

      We will be gathering all in need to take action, and get the funds we are acquired to receive from the policy my parents have been paying for over 12 years of their life.

      This is unacceptable from their so called professional business.


      Sincerely,

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

      Business Response

      Date: 07/02/2025

      Our records show that **** ******** is the owner of the policy. A detailed response was mailed to him on July 1, 2025. 

      Customer Answer

      Date: 07/02/2025

       
      Complaint: 23420522

      I am rejecting this response my dad **** ******** is the primary contact but I am helping him in this situation and I am the only daughter of him and my mom.


      Sincerely,

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

    • Initial Complaint

      Date:06/04/2025

      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.
      I was going to sign up to become licensed and when I told the guy, *** *** who wanted to sign me up that I looked into it and wasnt comfortable moving forward he waited a month and still submitted my application and they took $100 out of my account

      Business Response

      Date: 07/07/2025

      Better Business Bureau
      Attn: ****** *****
      Dispute Resolution Counselor
      ************************************
      *******, *******; 30022

      July 7, 2025

      RE:    BBB Case:   23418208
      Consumer:  ****** *******

      Dear Ms.*****:

      I am writing in response to the complaint that ****** ******* filed with the BBB on June 4, 2025.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as *********** submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee.  Once recruits are properly licensed, they receive commissions, not salary.

      We have researched Ms. ******** complaint and have determined that on or about June 2, 2025, we received her *** that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On Line (POL) fee.  One June 9, 2025, we received notification from the office that Ms. ******* met with someone regarding Primerica, and they advised that Ms. ******** IBA was accidently submitted in error by their system.  As a courtesy, we issued a refund of $99 to the recruit for her IBA fee. We will issue a refund of $25 for her POL charges, back to the account on file.  We would like to apologize to Ms. ******** for any confusion this may have caused.  We take all allegations regarding the Primerica Business Opportunity seriously and we will reach out to the office that submitted her IBA. 

      We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.

      Sincerely,

      ****** M. ******

      ************ (phone)
      ************ (fax)
    • Initial Complaint

      Date:06/02/2025

      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.
      My parents had life insurance policies through Primerica. My mom was a rider on the account till my dad passed away 2011. In the time of her last days, she became more and more hospitalized which I have proof to that. My parents paid this policy 80 times over. They have a problem paying out the ******* for the death of my mother in March of this year. They obviously at this point prey on the elderly and hope they miss a payment. Normally she would get letters, and she did not. I still have all her mail. 14 years since my dad passed. They paid way over 10 years when he was alive.

      Business Response

      Date: 06/03/2025

      We have received your complaint regarding your mother. Please provide the insured's name and policy number so we may review and respond accordingly.    

      Thanks 

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

    • Initial Complaint

      Date:06/02/2025

      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.
      They reached out on LinkedIn, asked me to reach out to someone different, then I was asked for an interview where I was hired on the spot. Then I was asked to provide my SSN multiple times then my bank card so that they could charge me for licensure testing. However they never asked me for anything else a normal job position would after getting a bad feeling I tried to get my money back and now theyre holding onto it even after the representative ******* ******* said I could get my refund.

      Business Response

      Date: 07/01/2025

      Better Business Bureau
      Attn: ****** *****
      Dispute Resolution Counselor
      ************************************
      *******, *******; 30022

      July 1, 2025

      RE:    BBB Case:   23407658
      Consumer: Skylar ****

      Dear Ms.*****:

      I am writing in response to the complaint that Skylar **** filed with the BBB on June 2, 2025.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as Ms.****, submit an Independent Business Application (IBA) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 IBA fee.  Once recruits are properly licensed, they receive commissions, not salary.

      We have researched Ms. ***** complaint and have determined that on or about May 29, 2025, we received her *** that authorized payment of the one-time $99 IBA fee and the $25 monthly Primerica On Line (POL) fee.  The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that Ms. **** contacted Primerica on or around June 2, 2025,the same day she filed their complaint with the BBB, and requested a refund.  On the same day, Primerica issued a standard refund of $69 for the recruits IBA fee and $25 for the POL fee.  As a courtesy, a refund of the $30 non-refundable fee was issued back to the account on file, for a total refund of $124.    

      We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.

      Sincerely,

      ****** M. ******

      ************ (phone)
      ************ (fax)
    • Initial Complaint

      Date:05/29/2025

      Type:Product 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.
      April 30th, 2025 11:30am mountain time. I was advised by Primerica Regional Vice President ****** ******, that another Primerica Regional Vice President by the names of ****** and ******* ********* have been going around and disclosing my protected health information which I disclosed with them while attempting to apply for a life insurance policy. They are going around and telling people that I am sick in the head, have mental problems and that I just got release from a mental facility so they should stay away from me or not listen to anything I say.

      Business Response

      Date: 06/17/2025

      We have received your complaint, please provide your policy number so we may review and respond accordingly.

      Customer Answer

      Date: 06/17/2025

       
      Complaint: 23392905

      I am rejecting this response because we decided to wait after the 3 year mark to submit the life insurance application. So there is no policy or application number. I was told by another *** that ****** ********* and his wife ******* are going around telling other agents about my medical diagnosis 

      Sincerely,

      **** Guzmn Iii

      Business Response

      Date: 07/07/2025

      July 7, 2025        

      ****** *****
      Customer Experience Specialist
      **********************


      Re:       Complaint Case # ********     
                  Complainant- **** ******, III          
                  Primerica Life Policy Number:  N/A   


      I am responding to the correspondence submitted by **** ******, III regarding the complaint against Primerica Life Insurance Company (Primerica Life), in which he expressed his discontent with the services provided by servicing representatives ****** and ******* ****************                                       

      Please note that I spoke with Regional Vice President ****** ********* and he stated that the application process was never initiated and Mr. ****** never answered any medical questions.  We show no record of any term life insurance application for Mr. *************


      Sincerely,


      ***** *****
      Field Investigator
      Regulatory and Consumer Relations



      Customer Answer

      Date: 07/09/2025

       
      Complaint: 23392905

      I am rejecting this response because:

      My medical history was discussed with ****** ***** who works underneath regional vice president ****** & ******* *********. A question on the life application is have you been hospitalized within the last 3 years? At that time I disclosed that I had been hospitalized for about a week back in December of 2022 for severe depression. I then decided to not proceed with the application and wait until the three year anniversary so that the chances of approval would be higher. On 30APR2025, I was advised by Regional Vice President ****** & **** ****** that ****** & ******* ********* had gone to ***** ******** and told them that guy is sick in the head, he has mental problems and just got released from the mental hospital. After I had reached out to ***** ******** and reported ****** & Claudias unprofessional behavior during interactions with them. 

      Kind Regards,

      **** Guzmn III

      Business Response

      Date: 07/14/2025

      July 14,2025        

      ****** *****
      Customer Experience Specialist
      **********************



      Re:     Complaint Case # ********     
                  Complainant- **** ******, III          
                  Primerica Life Policy Number:  N/A   


      I am responding to the 2nd correspondence submitted by **** ******, III regarding the complaint against Primerica Life Insurance Company (Primerica Life), in which he rejected the initial response and continued to express his discontent with the services provided by servicing representatives ****** and ******* ****************                                      

      As stated in the initial response, RVP ****** ********* stated that the application process was never initiated and Mr. ****** never answered any medical questions.  We show no record of any term life insurance application for Mr. *************

      In addition, servicing representative ****** ****** advised that she did not tell Mr. ****** that anyone was disclosing his medical and/or personal information.


      Sincerely,


      ***** *****
      Field Investigator
      Regulatory and Consumer Relations 

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