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MOHELAThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for MOHELA's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 4,115 total complaints in the last 3 years.
- 1,404 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:03/31/2023
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.
On January 8th, 2023, I received a letter from MOHELA located in Chesterfield MO stating that 'We determined you have successfully met the requirements of the PSLF program and your loans listed below have been forgiven. (see attachment).
Since that time, I have repeatedly asked MOHELA in email exchanges the following:
1) is that the only document I need for proof that my loans are forgiven and the amount owed is 0.00
2) when will that information in their letter stating that my loan is forgiven and my amount owed is 0.00 be updated with the credit reporting agencies. Mohela has not updated any noting to the credit bureau reporting agencies since Dec 2022.
I do not clear and concise answers to the above two questions. I need clear and concise answers.Business Response
Date: 04/03/2023
MOHELA has received this customer’s inquiry. Please be
advised that MOHELA will send a written response to, and/or will speak directly
with, the customer addressing the issues raised in their complaint. Financial
privacy laws prevent MOHELA from providing your office with borrower-specific
information, or any specific information regarding MOHELA's response to the
complainant. If, however, your office receives further communication from the
complainant regarding this matter, please do not hesitate to contact MOHELA
directly.Customer Answer
Date: 04/03/2023
Complaint: ********
I am rejecting this response because: it is an example of the same vague run around I've received from MOHELA since January 8th 2023. MOHELA has time to burn apparently when it comes to everything but actually update my credit reporting bureaus to reflect the fact that loan is paid in full and balance is zero. Why is it they can immediately respond to this complaint instead of updating my credit reports?Again I need a specific date not a vague dodge yet again for the 30th time as to when specifically they will fulfill their responsibility and update to the credit bureaus that this date has been paid in full since at least Jan 8th 2023.
When is the exact date this will be done?
Sincerely,
******* ******Initial Complaint
Date:03/31/2023
Type:Customer Service IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 3/21 I uploaded paperwork to Mohlea. I noticed it did not post on my account. On 03/24/23 I spoke with ***** on the Customer Advocacy Team explained the situation. He told me to send the paperwork to the customer advocacy team attention : *****, and they would upload the information to my account. They sent a letter stating they received the information BUT all they did was take and old application from DECEMBER FROM MY ACCOUNT THAT ALREADY EXISTED AND PUT PROCESSED 03/30/2023. This was not the information I included in the email that was sent 03/24/23. On the tag line that show the document was received it provides the date and time I uploaded the document (BorrowerDoc572940962103212023093556AM)MARCH 21, 2023 09:35:56 AM.Customer Answer
Date: 04/01/2023
Please withdraw my complaint. ****, at Mohlea provided an explanation concerning my account and everything has been clear up,
Thank you
Business Response
Date: 04/03/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Initial Complaint
Date:03/31/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In August 2022, I submitted my PSLF *** to Mohela. In October 2022, my form was processed and my account reflected 120 payments reached for forgiveness and that forgiveness should happen within 90 business days. I also got a letter stating I was not eligible for forgiveness because I only had 120 payments, but that I am eligible if I resubmit the **** I resubmitted the *** with updated employment dates though October. This was recently marked duplicate. I have contacted them multiple times and they give different excuses every time. They have said we have no idea, we will nudge it, you consolidated and that takes longer (I did not consolidate), the doe needs to apply the waiver (waiver counts were already done on my account in October 2021). Every time they say it will take an additional 90 days. Nobody can tell me if its even been sent to DoE for discharge.Business Response
Date: 04/03/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 04/03/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*****************Initial Complaint
Date:03/30/2023
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 completed my 10 years of public service on August 31, 2022. I submitted my Public Service Loan Forgiveness paperwork on September 1st, 2022. The U. S. Department of Education verified my 120 months (ten years) of qualifying payments prior to transferring my information (account) to MOHELA. Since then, I have been waiting for months for my student loans to be forgiven. This process has been dragging on for 6 months and there is NO transparency or expedition in the process of any kind. I call every few weeks and they just tell me that the process takes a while. Since this involves my credit history and all the information is reported to the major credit reporting bureaus, I feel that six months is an unacceptable amount of time for this process. If a consumer were 6 months behind in getting paperwork into a business or the government, we would face serious financial and credit consequences. As a teacher, a taxpayer, and a consumer who has fulfilled my obligations of a contract, I feel this length of time for processing of information needs to be investigated, revamped, and made clearer. I also feel that a cap should be placed on the processing time, to something like 90 business days total, since that is the amount of time that such a default on the part of a consumer would begin to seriously impact our credit scores. This is a deal students have accepted from the government and I feel the government and Mohela are derelict in their duties and failing their customers. In the short term, I would like Mohela and the Department of Education contacted and my loans forgiven. In the long term, I would like the Department of Education and Mohela to review their loan processing process and provide clear consumer information as to the process of loan forgiveness and to shorten the wait times. I feel that I and all other borrowers, have the right to have their credit history reflect an accurate amount of debt in a timely manner.Business Response
Date: 04/03/2023
MOHELA has received this customer’s inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 04/03/2023
Complaint: ********
I am rejecting this response because: accepting it would close my case with the BBB.I accept that MOHELA can't release personal information to the BBB. I don't accept a resolution that has not yet occurred.
Sincerely,
********* *********Initial Complaint
Date:03/30/2023
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 submitted an accurate Public Service Loan forgiveness form, properly signed with wet signatures, to MOHELA on 8/19/2022. After waiting 4 months, on 1/20/2023 the form was improperly processed. One of the employers, ************ ******* ** ****** ********* with 20 months worth of eligible payments was missed and not approved. On 1/23/2023 I called MOHELA and spoke with an agent who confirmed that it was a mistake on MOHELA's part, that the employer information was correct and had an appropriate signature and should have been processed with the others. A note was made and I was told that it would be corrected, so I waited another 2 months for it to be processed again. AGAIN, the employer with the missing 20 months of eligible payments was not processed and there has been no change to my number of eligible payments. I have jumped through every hoop, done my due diligence, called and asked for clarification and been told it is was MOHELA's mistake and that there is nothing more for me to do. It has been impossible to get a straight answer about what is wrong with this form that it keeps not getting processed.
The form for ************ ******* ** ****** ******** needs to be processed immediately or someone needs to contact me to explain why it has not been processed twice now over a 6 month period.Business Response
Date: 03/31/2023
MOHELA has received this customer’s inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Initial Complaint
Date:03/29/2023
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 submitted two PSLF certification forms in the fall of 2022 and was told my account would show the number of qualifying payments in 60 days. On March 27th, I was notified that my qualifying payments were 13, when the number of qualifying payments should be 106 (84 payments plus the 24+ COVID release months, which we were told would count as qualifying payments). I just spent 30 minutes on hold with MOHELA, and was told that I needed to call back tomorrow, since no one was available to take my call. Apparently they are having a high call volume, but they have my phone number and apparently the ability to track who calls, so why not look into my issue and call me back, rather than having the onus on me to call them? I feel taken advantage of. My loans were first held by ****** ** **** * ***** **** ******* 2014-2021. During that time I was enrolled in IBR and IDR, so that I was able to make on-time payments. I also worked at least full time, often more than full time (30+ hours a week), but as adjunct faculty in the CSU, our "contract status" is called "part-time temporary," due to the nature of our contracts being contingent on enrollment, so perhaps that language has caused some confusion. I was reassured last summer and in previous years that my employment did qualify. Last summer, I was told that the Nelnet payments would also count toward my PSLF. Thank you for assisting me in resolving this important matter.Business Response
Date: 03/31/2023
MOHELA has received this customer’s inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Initial Complaint
Date:03/29/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I uploaded employment certification in November 2022 certified the months of employment Feb-Nov 2022. These were to be my last payments for my PSLF loan, however my payment count stopped being counted at January 2022 - leaving me with still 2 payments to go (which had been paid and certified by my PSLF qualified employer in November 2022). After over 90 days, I called and was told decision should be imminent. Decision - nope - you still have 2 outstanding payments. I called again, asking why as this made zero sense. **************** person agreed, resubmitted on my behalf and told me it would take **** business days to re-review. I contacted MOHELA on 3/28 asking about status. Received response it would take 21 business days - then notification that my form was done being processed next day. NO UPDATE to my payment count despite them informing me that my employment had been certified through November 2022. If that were the case, payment 119 and 120 would be updated to reflect my certified employment for February and March 2022. It has not. This is messing with people's lives, and now I potentially have another month to have them reprocess when I have in good faith certified my employment annually? I never had these issues when Fed Loan was servicing my loans, and promptly had my employment certified and payments appropriated counted and updated in the system. I understand they are overwhelmed, however this is just not ok. This has huge financial implications when this is CLEARLY someone not understanding how to update the system. I technically have 132 payments as of today. MOHELA needs to make this right!Customer Answer
Date: 03/30/2023
It seems this has been resolved, my count has FINALLY been updated. I will be suggesting that MOHELA be more clear in their communications which would also likely significantly reduce the amount of time people would need to sit on hold and wait to see if a customer service rep can assist them. No further action is needed.Business Response
Date: 03/31/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Initial Complaint
Date:03/29/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I submitted my **** Certification Form on March 1, 2023 to certify the qualifying payments made this year. I have been with the same qualifying employer for 10 years and submit my **** yearly in order to keep my payment counts updated. When submitting the **** form on March 1, 2023, I wanted to have the final payments certified because I have reached the 120 payment threshold. However, when I checked the status of my form on March 28, 2023, the status of the form was changed to "a duplicate application was processed as Canceled." This was a processing error on MOHELA's part, as this is the only **** form I completed and submitted to them this year. When I called on March 29th, 2023, I was told that it was probably a glitch and would be resubmitted for processing. However, I was told that the waiting process would start over and it would take up to 90 business days to review the form. When I asked whether this can be expedited, since it was MOHELA's error in marking it as a duplicate, I was simply told it would be 90 business days. To restart the waiting process over does not seem like a good business practice. There should be a mechanism for expediting forms that are improperly canceled by MOHELA because of a glitch on their part, rather than placing the form in the back of the line again, especially when it takes up to 90 business days to review the form.Business Response
Date: 03/31/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 04/04/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************************Initial Complaint
Date:03/29/2023
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 asked for a refund for payments made during COVID. They did not refund payment made on 12/21/2020 of $25,000. Told me I did not make the payment even though it reflects on my financial transaction summary payment was made. However, they did increase my principal balance to reflect a $25,000 increase in principal.
The principal either decrease $25,000 to reflect the payment made as it was before or return $25,000 to my bank account. As well as ALL loans they are servicing for others to have a proper review they are making MAJOR accounting errors.Business Response
Date: 03/31/2023
MOHELA has received this customer’s inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Initial Complaint
Date:03/29/2023
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This is a complaint against Mohela company regarding to student forgiveness program PSLF. I sent my application back in august 2022 (8 months ago) they have not done anything!
in the past 20 years, I already paid over 125 payments. they told us we must consolidate all loans. I did. in their portal, they said they processed the application, we never got any letters!! when we send application again, they say, duplicate?? when we send letter to get status update, they change code to duplicate again?? we sent letters to our senators and congressman in Washington, they never return any response to the congressional requests!! when you call, it is impossible to get anyone on the phone after 2 hours on hold. by getting contract from government for $ millions you expect them to hire 1-2 more people to help process applications!! (Mohela income in 2021= $130 millions/ year) I wish the Department of education could send contract to other companies with more staff . any letter you send them , the artificial intelligent system/ AI they have, codes it as duplicate. very very frustrated, terrible system. I think they hate students and people in general.Business Response
Date: 03/31/2023
MOHELA has received this customer’s inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 03/31/2023
Dear BBB:
Thank you for your update. as of today, no response to me yet. the Mohela did not contact us via tel or e-mail or fax or mail yet. will wait . still the issue is not resolved yet.
respectfully yours,
regards,
**** *******
Customer Answer
Date: 03/31/2023
Complaint: ********
I am rejecting this response because: as of today, the Mohela after 8 months shows no record of my application and transfer in their system!! see attached. I sent my application many times, still no show in their system after 8 months even when senators and congressman requested an update!! do you think they lost the whole application after many months??see attached.
Sincerely,
**** *******Customer Answer
Date: 04/04/2023
Dear BBB:
attached is the letter we sent to Mohela. in the past 20 years, we paid over 120 payments to student loans but Mohela is only showing 3 payments?? that is wrong and totally incorrect.
regards,
***********************
Customer Answer
Date: 04/09/2023
Dear BBB:
But we already paid over 125 payments for years but still in Mohela system does not show as of today! that is a mistake. they have not updated their system.
Thank you.
regards,
***********************
Business Response
Date: 04/12/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 04/13/2023
Complaint: 19867505
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and they are making progress in fixing the issue after 8 months ( they just sent me letter with explanation for the first time) but still many payments to student loans are not showing for the past 14 years yet!! to get credits. would you ask them to fix that issue also? that should be over 125 payments to fix the issue.
Sincerely,
*********************************;
Sincerely,
***********************Customer Answer
Date: 04/17/2023
Dear BBB:
we just sent them additional information to Mohela/. it did not show in their system yet.
regards,
***********************
Customer Answer
Date: 04/21/2023
Dear BBB:
the response from Mohela is still very very slow! it is impossible to get anyone on the phone or get someone respond to our e-mails! in the past 20 years we made many payments to have PSLF qualify payment, but Mohela only shows 9?
it is very frustrating after 8 months since we sent application still the process is very very slow . can they hire more people 1-2 to process the applications?
regards,
***********************
Customer Answer
Date: 04/25/2023
Dear BBB:
still Mohela is not responding to our request?
do you know if there are open? any letter we sent them, they show as cancelled or duplicated?? immediately. they don't read any letter we send them. it is impossible to get any one on the phone!
very frustrated!
regards,
***********************
Business Response
Date: 05/01/2023
MOHELA has received this customers inquiry. Please be advised that MOHELA will send a written response to, and/or will speak directly with, the customer addressing the issues raised in their complaint. Financial privacy laws prevent MOHELA from providing your office with borrower-specific information, or any specific information regarding MOHELA's response to the complainant. If, however, your office receives further communication from the complainant regarding this matter, please do not hesitate to contact MOHELA directly.Customer Answer
Date: 05/04/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************
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