Payday Loans
Wakpamni Lake Community CorporationThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for Wakpamni Lake Community Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 95 total complaints in the last 3 years.
- 42 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:07/06/2025
Type:Billing 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.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******** *******ng my account to collections and for a higher amount- I will be making no further payments to ****** ***** *****. I am also revoking ACH and Debit Card authorization. I consider the loan repaid in full.Business Response
Date: 07/11/2025
We are in receipt of a complaint filed on or about 7/6/25 to our Company, ****** ***** *****
outlining ******** ******* concerns. The Company takes these types of inquiries very seriously and
appreciates the opportunity to respond. Nothing in this communication should be construed as a waiver
of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
Our records show that ******** ******* was approved for a loan in 1/16/2025 for $800.00 at which time
she was provided with a copy of her Loan Agreement. ******** *******’s Loan Agreement provided her
Truth in Lending Disclosures, the Terms and Conditions of her loan along with a re-payment schedule.
To date, ******** ******* has paid a total of 9 payments totaling $918.74 toward her loan commitment.
In an effort to resolve ******** *******, ****** ***** ***** will consider her loan as paid in full. There
are no further payments due.
We hope this satisfies ******** *******’s concerns; we will consider this matter closed.
Sincerely,
Compliance DepartmentInitial Complaint
Date:06/17/2025
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.
After discussing with the FIDC CPBC, Attorney General, and several Lawyer groups I was informed that the more than 600% interest rate on the various loans I have taken out with Green Bison Lending (who informed me they are the same company as Wakpamni Lake Community Corporation) were predatory loans that took advantage of my financial situation and rely on tribal laws where they live to make this possible while my New Jersey state would never allow such rates.
I have been in a very difficult situation and did not realize just how bad of interest rates I signed up for. I told this company I simply could not continue the biweekly payments of nearly all interest so they stopped my interest accrual but at that point the interest to be paid in full would still be $1418, nearly double my principle of $1500, by the end of the loan. At this point I have paid back the full in principle of $1500 but still owe $1418 in interest which is nearly 100% on my principle.
Lawyer groups are informing me I should work with them and should not be reaching out to this company looking for their assistance any further and work with the Lawyer group and my attorney general. Lawyer group informed me they can help me get my money back I wasted on these morally ethnically and criminally high interest rates in the high hundreds I have been paying on these loan.
These loans have nearly ruined my life. I just want my account closed as paid in full with them now and never do business with them again. If I can just get this loan closed I won’t pursue legal action on all of the interest I’ve paid with the various loans this company took advantage of me with for nearly a year now.
I would hope Wakpamni Lake and Green Bison lending can deem my account paid in full and close business with me or I will have to take legal action and steps through my attorney general as prescribed.Business Response
Date: 06/25/2025
To Whom It May Concern:
WLCC Lending BGL DBA Bison Green Lending (“Company”) has completed its review of **** ******* complaint. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond. It is Tribal policy that all customer complaints be handled in a prompt and fair manner and customer satisfaction is our top priority. Be advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s sovereign immunity, all of which are expressly preserved.
ACCOUNT HISTORY & BACKGROUND
*** ***** has taken out three loans with Bison Green Lending. For each of these loans, *** ***** was provided with a copy of his signed loan agreements which outlined the Truth in Lending Disclosures along with the Terms and Conditions of the Loan. His most recent loan was taken out in January of this year.
COMPLAINT & RESPONSE
The central drive of *** *****’s concern is that Bison Green Lending’s loan terms are inconsistent with the laws of his home state. WLCC Lending BGL DBA Bison Green Lending (The Company) is a subsidiary agency of the Wakpamni Lake Community Corporation, an arm and entity of the Wakpamni Lake Community, which is a local tribal governmental subsidiary of the Oglala Sioux Indian Tribe located on the Pine Ridge Reservation in South Dakota. This Company is wholly-owned and controlled by the tribe and was established for the tribe's benefit and formed pursuant to tribal law, thus sharing sovereign immunity and, therefore, is not subject to state laws and licensing. As a best Company practice, we willingly follow all applicable federal regulatory guidelines and federal consumer protection laws, as required by Tribal law. Since the inception of our business, we have yet to have a justified regulatory complaint. The Company is fully regulated by, and in compliance with, the consumer laws of the Oglala Sioux Tribe law. To that end, the interest and fees applicable to the loan are permitted by Tribal law and they were accurately and clearly reflected in each loan agreement that was signed before receiving the loan.
PROPOSED RESOLUTION
Although the disputed law is entirely legal under applicable law, we are sorry to hear that *** ***** has been facing financial hardship. We approach every client with empathy and respect, acknowledging the difficulties they may be experiencing. As a goodwill gesture, because the entire principal amount was repaid, and in an effort to prove our commitment to customer care, Bison Green Lending has waived the remaining balance and considers the loan paid in full. No further action will be required by *** ***** and Bison Green Lending will not attempt to contact *** ***** in the future. We hope this resolves *** *****’ concerns. However, if he, or the BBB has any further questions, please contact our Tribal Compliance Department at ************ and ask to speak to our Compliance Manager.
Sincerely,
ComplianceInitial Complaint
Date:06/17/2025
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 April 22, 2025, I decided to consolidate my debt with Help Financial Group because I was in debt. I decided to consolidated FOXHILL CASH with Help Financial and instead of reading my ACH notice from Help Financial, FOXHILL CASH withdrew $322.50 from my checking account bypassing Help Financial and not contacting them. I know and understand that this was a short-term loan and I owe them this money but when I submitted the ACH Form from Help Financial, they DID NOT follow through. Foxhill Cash continues to withdraw money from my account for three consecutive pay periods. On 5/1 withdrew $107.50; on 5/15 withdrew $107.50 and on 5/29 withdrew $107.50 totaling $322.50. I'm demanding that $322.50 be credited back to my checking account.Business Response
Date: 06/18/2025
WLCC Lending II DBA Fox Hills
Cash (Company) has completed its review of your complaint. The Company takes
these types of inquiries very seriously and appreciates the opportunity to respond
to you regarding your concern. Be advised, nothing in this communication should
be construed as a waiver of the Tribe’s or the Company’s sovereign immunity,
all of which are expressly preserved.
With respect to Laray Hay’s correspondence
about attempting to stop payments from being processed through the Company, the
Company did receive the request and unfortunately did not disable the payments.
We apologize for any inconvenience this may have caused. The Company has initiated a refund of
$322.50, but due to the holiday, they may not see the funds in their account
until Friday.
Laray Hay should contact our
office at ************ or via email at ************************ if they have any additional concerns.
Sincerely,
Compliance DepartmentInitial Complaint
Date:06/09/2025
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.
Complaint: ********
I am rejecting this response because:I have checked with the Missouri department of finance and the license you sent is NOT a license for the state Missouri. Which makes this loan Voided and illegal. You did not have the authority to do a contract online in the state of Missouri for a loan.
The state that I am in is the state that has legal authority and you are not licensed in it, that’s why it’s required.
Please adjust this to show it is not owed it your system. And blacklist me as well.
Sincerely,
******* ***********Business Response
Date: 06/10/2025
Please provide me with the name of your lender. We have multiple lenders and need this information to get your request to the correct person.
Business Response
Date: 06/17/2025
Eagle Rock Funding (Company) has completed its review of ******* *********** ** complaint. Customer
satisfaction is our top priority, and we want each customer to know how much we value them. The
Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Our records show that ******* *********** was approved for a loan on 10/24/2024 for $500.00 at
which time they were provided with a copy of their Loan Agreement, which included Truth in Lending
Disclosures, the Terms and Conditions of their loan along with a re-payment schedule. Eagle Rock
Funding discloses the total cost to a borrower if only the minimum payment schedule is followed. All
rates and loan fees are prominently displayed within the Loan Agreement and were acknowledged by
Eagle Rock Funding at each point by electronic signature.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by ******* *********** before receiving the
loan.
To date, ******* *********** has not made any payment toward their loan commitment.
As a courtesy to ******* ***********, we will consider the account closed with no further obligation
upon payment of the principal balance of $500.00 by check or money order to:
** *** **
Solon, IA 52333
Phone: 844-380-3922
Or
******* *********** may contact Customer Service at 866-208-5161 to set up payment arrangements.
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
Compliance DepartmentInitial Complaint
Date:06/09/2025
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.
I have had a loan from enable loans. A subsidiary of this vendor. I paid that loan off and then applied for another one, then realizing that the interest rates are not legal in my state of Arizona. By the time the loan is paid I will have paid %600 of the original loan amount. I would like to revoke ACH authorization and set up a payment plan in the future to pay only the principal loan Amount.Business Response
Date: 06/23/2025
Thank you for submitting your concerns regarding
the interest rates charged by Enable Loans in the state of Arizona.
Enable loans is wholly owned and operated
subsidiary agency of the Wakpamni Lake Community Corporation (WLCC), an arm and
entity organized and governed by the laws of the Oglala Sioux Tribe of the Pine
Ridge Reservation (the “Tribe”), a sovereign nation located within the United
States of America and operates from within the Pine Ridge Reservation.
Enable Loans makes unsecured consumer loans
in accordance with the Tribe’s Tribal Consumer Financial Services Regulatory
Code and is licensed under Tribal law. The loan agreement you entered into with
Enable Loans provided that the loan would be governed by the laws of the Tribe. The loan is not subject to Arizona’s interest
rate limitations as stated in the claim made to the BBB.
The interest rate and fees applicable to the
loan are permitted by Tribal law and were accurately and clearly reflected in
the loan agreement. . The TILA Disclosure outlined the annual percentage rate
and finance charge. .
As requested, we have noted the
revocation of your ACH authorizations from your bank account. This revocation
does not eliminate or forgive the outstanding balance owed on your loan. Your
obligation to repay the loan in accordance with the terms of your loan agreement
remains in effect. Please reach out to customer service at (888) 704-3223 or
email at [email protected] to set up a payment plan for the remaining
balance of this loan.
Customer satisfaction is our top
priority, we want each customer to know how much we value them. Enable Loans
takes these types of inquiries very seriously and appreciates the opportunity
to respond to you.
Be advised, nothing in this communication
should be constructed as a waiver of the Enable Loan’s sovereign immunity, all
of which are expressly preserved. We genuinely appreciate your feedback and the
opportunity to address your concerns. If you have any additional questions or
require further clarification, please do not hesitate to reach out.Initial Complaint
Date:05/18/2025
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.
I would like to reopen the complaint.. they recieved there payment. My loan balance is 565. let me know if they respond .Business Response
Date: 05/20/2025
Good Morning; I would like to help you out but I need the name of the lender that you have your account with.Business Response
Date: 05/27/2025
This letter is in response to
your concerns that were sent to My Full Wallet from the Better Business Bureau
(BBB). Customer satisfaction is our top priority, and we want each customer to
know how much we value them. The Company takes these types of inquiries very
seriously and appreciates the opportunity to respond.
Our
records indicate that you were approved for a $750 loan on April 16, 2025. The
terms of the loan were provided to you at that time, and you reviewed the terms
and electronically signed these documents. The Annual Percentage Rate (APR) was
outlined in the loan agreement, which you signed. As stated in the loan
agreement, we offer our customers the right to rescind the loan. During this
stated period, customers can take the time to review the loan documentation. If
a customer is not satisfied with the loan, they have the ability to repay the
principal amount of the loan with no penalty or interest assessed.
We
appreciate that you may be going through a difficult time financially and would
like to help. We are happy to resolve your concerns by reducing your scheduled
payments to $165.00 and applying these directly to your outstanding principal
balance of $730 with no further interest, fees or charges applied. Starting
with your scheduled payment on May 27, 2025, once further payments totaling
$730 have been received, your loan will be considered paid in full.
We again
sincerely apologize that you are not satisfied with your loan from My Full
Wallet.
Sincerely,
Compliance Department
My Full WalletInitial Complaint
Date:05/13/2025
Type:Order 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.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* *****Business Response
Date: 05/19/2025
Consumer First Credit (Company) has completed its review of ******* ******* complaint. Customer
satisfaction is our top priority, and we want each customer to know how much we value them. The
Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Our records show that ******* ***** was approved for a loan in 1/24/2025 for $500.00 at which time
they were provided with a copy of their Loan Agreement. Consumer First Credit ’s Loan Agreement
provided their Truth in Lending Disclosures, the Terms and Conditions of their loan along with a repayment
schedule. Consumer First Credit discloses the total cost to a borrower if only the minimum
payment schedule is followed. All rates and loan fees are prominently displayed within the Loan
Agreement and were acknowledged by Consumer First Credit at each point by electronic signature.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
As a courtesy to ******* *****, we will consider the account closed with no further obligation upon
payment of part of the remaining balance of $200.00 by check or money order to:
** *** **
Solon, IA 52333
Phone: ************
Or
******* ***** may contact Customer Service at ************ to set up payment arrangements.
We hope this resolved her concerns and will consider this complaint resolved.
Sincerely,
ComplianceBusiness Response
Date: 05/21/2025
Consumer First Credit (Company) has completed its review of * ****** ***** ** complaint. Customer
satisfaction is our top priority, and we want each customer to know how much we value them. The
Company takes these types of inquiries very seriously and appreciates the opportunity to respond. Be
advised, nothing in this communication should be construed as a waiver of the Tribe’s or the Company’s
sovereign immunity, all of which are expressly preserved.
Consumer First Credit is a tribal governmental entity, it is a wholly owned subsidiary of Wakpamni Lake
Community Corporation (“WLCC”). WLCC is the wholly owned tribal economic development arm of the
Wakpamni Lake Community government, a subsidiary municipal tribal government of the federally
recognized Oglala Sioux Tribe of the Pine Ridge Indian Reservation (“Tribe”). The principal place of
business and office of Consumer First Credit is at ** ******** **** **** Wakpamni Lake, South Dakota
57716 on the Tribe’s Reservation. In addition, Consumer First Credit is wholly owned and controlled by
the tribe, was established for the tribe's benefit, and formed pursuant to tribal law, thus sharing
sovereign immunity, therefore, are not subject to state laws and licensing.
The interest and fees applicable to the loan are permitted by Tribal law and they were accurately and
clearly reflected in the loan agreement that was signed by * ****** ***** before receiving the loan.
In an effort to resolve * ****** ***** ’s complaint, Consumer First Credit will consider her loan as paid in
full. There are no further payments due, and consider this matter closed.
We hope this resolved her concerns and will consider this complaint resolved.Initial Complaint
Date:05/05/2025
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.
This business scammed me out of my information. I would like to report it to get this business flagged as a scam. I asked them to remove my personal information from the website and they said no.Business Response
Date: 05/07/2025
Please provide me with the name of the lender. We have multiple lenders and need this information to get your request to the correct person.
Initial Complaint
Date:04/11/2025
Type:Billing 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.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
********* ******Business Response
Date: 04/23/2025
Dear **********
This letter is in response to your concerns that were sent to
My Back Wallet from the Better Business Bureau (BBB). We regret that you are
dissatisfied with your loan. Customer satisfaction is our top priority and we
want each customer to know how much we value them. The Company takes complaints
very seriously and appreciates the opportunity to respond.
Our records indicate that you
were approved for a $800 loan on March 26, 2025. The terms of the loan were
provided to you at that time, and you reviewed the terms and electronically
signed these documents. The Annual Percentage Rate (APR) was outlined in the
loan agreement in which you signed. As stated in the loan agreement, we offer
our customers a three day right of loan recession. During this three day
period, customers can take the time to review the loan documentation. If a
customer is not satisfied with the loan, they have the ability to repay the
principal amount of the loan with no penalty or interest assessed. We are
providing you with an additional copy of the loan agreement along with this
response.
During the application, one of our customer service representatives also
verbally explained the terms of payment to you. We apologize and regret that
the terms of payment have caused you concern.
We are happy to resolve this complaint by confirming that upon
communication with you on April 11, 2025, we have agreed to apply all further scheduled
payments received directly towards your current principal balance of $790 with
no further interest or fees applicable. Once the further $790 has been received
your loan will be considered paid in full.
We again sincerely apologize that you are not satisfied with your loan from My Back
Wallet.
Sincerely,
Compliance Department
My Back WalletInitial Complaint
Date:03/31/2025
Type:Billing 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.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ****Business Response
Date: 04/02/2025
We appreciate your patience and the opportunity to address your concerns regarding your recent loan with Enable Loans. After a thorough review of your request, we would like to provide you with a summary of our findings and outline the next steps.
Your loan was established on January 27, 2025, with a deposit of $300.00 into your bank account ending in 8900. Per your signed agreement, biweekly payments of $126.61 were scheduled to begin on February 7, 2025, with the final payment due on April 4, 2025.
On February 26, 2025, you contacted us requesting to skip a payment but agreed to make a partial payment instead. A payment of $63.31 was made on March 7, 2025, followed by a full payment of $126.61 on March 21, 2025.
According to your loan agreement, you still have a remaining balance consisting of:
?
One scheduled payment of $126.60 due on April 4, 2025
?
The remaining half-payment of $62.59 due on April 18, 2025
At your request, we have stopped all ACH activity on your account. To arrange for your final two payments, please contact our customer support team at ***** ******** or via email at [email protected].
Additionally, we understand that you have experienced login issues with our customer portal. Our support team is available to assist you in resolving this matter and ensuring you have full access to your account.
For your records, we have attached a copy of your signed loan agreement and a detailed payment history. We sincerely apologize for any frustration this may have caused and remain committed to assisting you. Please let us know how we can support you moving forward.
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