Complaints
Customer Complaints Summary
- 1,344 total complaints in the last 3 years.
- 617 complaints closed in the last 12 months.
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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:04/29/2025
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 am writing to inform you about a fraudulent account that has been opened in my name with ACIMA DIGITAL (formerly known as SIMP). I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:
Creditor Name: ACIMA DIGITAL FKA SIMP
Opened Date: 11/1/2020
Account Number: *******
High Credit: $1,671.00
I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.
Thank you for your prompt attention to this matter.Business Response
Date: 05/01/2025
Ms. ****** ***** alleges
identity theft. We conducted a preliminary investigation into Ms. ******* fraud
allegation. Acima Leasing takes fraud allegations very seriously and conducts
immediate investigations upon notification. Upon completing our investigation,
we were unable to determine whether the lease in question was created as a
result of fraud. We request Ms. ***** file a police report and provide us with
a full and complete copy of the same so we may continue our investigation of
this lease. We request they send a copy of the police report, which must
include Acima Leasing as an affected lease, to [email protected]. Alternatively, Ms. *****
may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC
Affidavit”). Upon receipt of the requested documentation, we will further
investigate. If it is determined that this lease is in fact fraudulent, we will
terminate this lease and remove all reporting. Absent additional information,
we are unable to make a determination as to whether fraud occurred on this
lease.
As we are awaiting
additional documentation, we consider this complaint closed. Ms. ***** may
contact Acima Leasing’s customer service at ***** ******** with any additional
questions.Initial Complaint
Date:04/29/2025
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.
In June of 2024 me and my wife purchased a table from bobs furniture in ******** ********. Not having cash on hand that day we decided to use there leasing company acima to finance the table. That Friday when we got the table we paid it off in full. Then realized the table was the wrong table. Went back to the store the manager informed me it would be an easy store exchange. I asked if acima would be affected he told me no it wouldnt it would stay paid off. In December 2024 I received the full amount for the table in a refund from acima . I reached out to acima to have them tell me they didnt deal with that the store did. I then called the store for them to tell me acima delt with that. I then called acima back for them to tell me they didnt want it back and exact words think of it as a Christmas gift. Now Im January ************************************ to pay money and sign a contract I told them no and they needed to talk to a manager they said they would get back with me. Now present day they are taking money from my account without me ever signing a new contract when I did no such thing and making me pay all the money back. There mistake made he have to pay for a table twice the same table I would like a formal apology and my money back but now cant not get a hold on anyone at the companyBusiness Response
Date: 04/30/2025
Pursuant to our records, on January 26, 2025, Mr. ****** entered an independent third-party retailer Bobs Discount Furniture (the Retailer). While with the Retailer, he applied and was approved for our leasing services. On that same date, he selected property described as a dining table (the First Property). Acima Leasing purchased the First Property, and Mr. ****** electronically entered into a rental-purchase agreement (the First Agreement) wherein he agreed to rent the First Property from Acima Leasing or exercise an early purchase option. On February 6, 2025, Mr. ****** exercised an early purchase option. On February 27, 2025, we received a request from the Retailer to cancel the First Agreement, as such, we canceled the First Agreement and refunded all monies paid.
We can confirm that Mr. ****** again applied for our services through the Retailer and entered into a new rental-purchase agreement (the Second Agreement) on March 12, 2025. On April 26, 2025, he initiated a payment to execute the early purchase option of the new property (the Second Property). Once this payment has successfully cleared, Mr. ****** will have ownership of the Second Property.
In conclusion, we confirm Mr. ****** entered both Agreements and he initiated both purchase payments. Furthermore, we confirm he received a full refund of the First Agreement. As such Mr. ****** is not entitled to a refund.
If Mr. ****** has any further questions, he may contact our resolutions department at **************.Customer Answer
Date: 05/01/2025
Complaint: 23262039
I am rejecting this response because:
I want them to own there mistakes and admit they falsely had me sign a second agreement when I didnt and I want them to refund me
Sincerely,
****** ******Business Response
Date: 05/02/2025
We confirm Mr. ****** elected to utilize our services and entered both Agreements on his own device. As we thoroughly addressed Mr. ******* concerns in our previous response, we consider this matter closed.Initial Complaint
Date:04/25/2025
Type:Order 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 filing a formal complaint regarding the unacceptable treatment I received from Acima Leasing representatives during calls on 04/25/2025. The following issues occurred:
Initial Settlement Offer:
I contacted Acima Leasing to discuss financial hardship due to job loss and requested assistance with a past-due balance.
The Resolutions Department offered a settlement
of 1,900, payable in three monthly installments of 600 (call was recorded).
Supervisor Hang-Up:
I requested a supervisor to discuss lower payments per month due to unemployment.
The supervisor pretended not to hear me and hung up while the call was still recording.
Misrepresentation of Policy:
Upon calling back, a Resolutions manager falsely claimed Acima "does not offer settlements," contradicting the prior offer.
When reminded that calls are recorded, the manager said I was offered the 1900 but if I wanted to go lower I would have to speak with collections so she transferred me to Collections.
Collections Hang-Up:
I asked to speak to a supervisor in Collections to avoid further misinformation.
The representative hung up on me without resolution.
This behavior is unacceptable. I have already paid $8,000 toward my lease and sought a reasonable solution, only to be misled and disrespected.
Requests:
Honor a $1,000 settlement with revised payment terms reflecting my financial hardship.
Provide a written explanation for the misleading statements and hang-ups.
Ensure staff are retrained to prevent this treatment of other customers.Business Response
Date: 04/28/2025
Please note, Ms. **** does not have the right to keep possession of the leased property if she does not make timely renewal payments. Further, Acima Leasing is not obligated to offer settlements. However, we may do so to assist customers in obtaining ownership of the leased property.
Currently, our resolutions department is authorized to offer Ms. **** a settlement and as confirmed by her, a settlement was offered, which she declined. Our resolutions department may also assist her with the termination of her lease. She may contact them directly at (385) 463-2340. Alternatively, she may make arrangements to cure her past due rent with our collections department by phone at (801) 297-1983.
We confirm Ms. **** is not entitled to a billing adjustment, as such we consider this matter closed.Customer Answer
Date: 04/29/2025
Complaint* ********
I am rejecting this response because: At no point did Acima address the customer service issues.
Sincerely,
******* ****Business Response
Date: 05/07/2025
Our records indicate Ms. ****’s calls were dropped on three occasions, resulting in the calls ending prematurely. As such, we deny her implication that our agents hung up on her. In our previous response we clarified that our resolutions department is authorized to offer a settlement. To further clarify, our collections department is not currently authorized to offer a settlement. We apologize if there was any confusion. Our records further indicate that Ms. **** has reached our resolutions department and successfully made arrangements to settle her lease. If Ms. **** has further questions, she may continue to contact our resolutions department at (385) 463-2340.Initial Complaint
Date:04/24/2025
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.
Dear BBB,
I am writing to file a formal complaint against Acima for their ongoing and unauthorized attempts to withdraw funds from my bank account. Despite multiple attempts to resolve this issue, Acima has continued to process transactions without my consent and has ignored my requests to cease these actions.
I have contacted Acima on several occasions, both verbally and in writing, informing them that I did not authorize any payments and requesting that they stop attempting to take money from my account. Each time I have received a response from them in the form of emails stating that I verbally agreed to their terms, which I have refuted in my replies. I have explicitly told them I did not agree to any contract or payments, but they continue to send these emails and make attempts to withdraw funds.
The specific dates on which Acima attempted to withdraw funds from my account are as follows:
3/10/2025
3/19/2025
3/25/2025
4/5/2025
4/14/2025
4/19/2025
Each attempt has incurred a $35.00 fee, which has caused me significant financial strain. These ongoing unauthorized withdrawals and associated fees are causing me distress, and I am seeking your assistance in resolving this matter. I am requesting that Acima be held accountable for their actions and that they immediately stop any further attempts to withdraw funds from my bank account.
Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that this issue is resolved.Business Response
Date: 05/02/2025
Pursuant to Ms. **** ******* request, we turned off all payment authorizations for her lease. Ms. ***** will not have further payments attempted. Additionally, we placed a no-contact order on her lease, and we confirm she will not receive further communications from us. We are currently investigating Ms. *****’s other claims. As she has requested no further communications, we are unable to provide updates regarding the status of the investigation, however, she may contact us at (801) 297-1982 with further questions or concerns.Customer Answer
Date: 05/05/2025
Complaint: ********
I am rejecting this response because: there was another traction on the 30th..which caused another 35.00 fee, and I never stated couldn't mail me the fees.
Sincerely,
**** *****Business Response
Date: 05/08/2025
We completed our review of Ms. ******* lease. Pursuant to our records, prior to the receipt of the complaint, we did not receive any requests from Ms. ***** to cease automatically attempting rent payments. Additionally, pursuant to paragraph 12 of the lease-purchase agreement (the “Agreement”), it states, “You authorize us to initiate an electronic fund transfer (“EFT”) over the ACH network (or another network of our choosing) from any bank account (or if no bank account is specified, then any account or card) listed on your application, or subsequently authorize us to debit or charge, for any renewal payment provided in this Agreement by its renewal date.” As such, we conclude the payment attempts were authorized.
We note that the most recent payment attempt was from April 25, 2025, and was already processing on April 24, 2025, (the date we received Ms. ******* initial complaint and request for cessation of automatic rent payment attempts). Pursuant to paragraph 12 of the Agreement, “We will honor your termination or modification request if you contact us ... in time for us to receive your request at least 3 business days before the payment is scheduled to be made or far enough in advance for us to reasonably act on it.” As previously stated, Ms. ***** will have no further rent payments attempted by Acima Leasing.
Ms. ***** requests payment for fees charged to her by her bank. We are unable to grant this request. Pursuant to paragraph 12 of the Agreement, “We are not responsible for any bank fees you incur resulting from returned payments.” We further note that as of today’s writing, Ms. ***** has paid a total of $49.00, and has not met her agreed-upon payment obligations, nor has she returned the property that is the subject matter of the Agreement. Ms. ***** has received the benefit of our services, namely, she has received the property she selected, and has not made the agreed-upon rent payments, or exercised the termination option. If Ms. ***** does not intend to make the agreed-upon rent payments, she must return the property to Acima Leasing. Ms. ******* lease is currently 131 days delinquent, and has a past-due rent amount of $614.26 before tax. Her lease was charged-off on May 2, 2025, due to non-payment.
As a courtesy, we have waived the past-due fees on her lease, totaling $255.00, to assist her in exercising a future purchase or termination option. As we have completed our investigation, granted the majority of Ms. ******* requests, and provided details of the Agreement, we consider this complaint closed. Ms. ***** may reach out to our customer service department at (801) 297-1982 with further questions or concerns.Customer Answer
Date: 05/09/2025
Complaint: ********
I am rejecting this response because: I want to clarify that I did not request to cease communication through mail. I am still open to receiving updates and correspondence via postal mail.
Specifically, I am requesting a detailed, mailed response outlining the fees
Sincerely,
**** *****Business Response
Date: 05/12/2025
Pursuant to Ms. ******* request, we have mailed her a copy of the Agreement, which details any fees that may be accrued. We note the Agreement has been perpetually available to Ms. ***** via the Acima Leasing customer portal, at **************************. We have additionally mailed her a statement of payments.
We have noted that Ms. ***** has given permission for mailed communications in our system. However, if she has questions or concerns, she may contact our customer service department at (801) 297-1982.Customer Answer
Date: 05/13/2025
Complaint: ********
I am rejecting this response because: When the fees are addressed is when I will close this case
Sincerely,
**** *****Initial Complaint
Date:04/24/2025
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.
We purchased a piece of furniture for approximately $2,000 through financing offered by a company associated with the store (AcceptanceNow, now Acima). We have been making bi-weekly payments of about $150 for over a year, so the balance should be paid off by now. However, the company continues to charge us, threatens to damage our credit, and offers no clear information on the remaining balance.Their website doesnt show payment history or balance information. We called and spoke with a representative named *****, who treated us poorly. He claimed that because we didnt pay off the furniture within the first two months, the total cost jumped to $4,500something we were never told and is not in any contract. Another representative later told us we owed about $3,000, which shows serious inconsistencies.We never received a signed copy of any contract. A supervisor was supposed to call us back and never did. The store where we bought the furniture told us they no longer work with this company due to similar complaints. On top of that, the company withdrew funds from my partners bank account without permission, leaving us with no money for a planned expense. This caused significant emotional and financial stress.Desired resolution:1.Full cancellation of the debt.2.Refund of all overpayments.3.Compensation for damages caused by unauthorized charges and emotional distress.Business Response
Date: 05/02/2025
Acima Leasing (hereinafter we, us, our) received the complaint filed by Ms. ******* ******* ****** on April 24, 2025. We are still looking into this matter as of todays writing, and consider this complaint open. We will provide an updated response directly to Ms. ******* ****** once we have completed our review. In the meantime, Ms. ******* ****** may contact our customer service department at ************** with further questions.Initial Complaint
Date:04/22/2025
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 purchased a kitchen table and 3 bedroom sets from Rooms to Go Outlet. The items were delivered as a drop off in box and we completed the installation. The kitchen table and 1 of the bedroom set didnt not fit in space. I contacted rooms to go would advise I couldnt return the items because it was purchased with Acima leasing. I contacted Acima on 3/18/25 in spoke with someone from the resolution **** who advised I couldnt return the items that did not fit and my bill would be adjusted. It was instructed to drop the items off to a Rent-A-Center, which I did. Its impossible to get through their customer contact number. I spoke with a supervisor in the resolution department who had no knowledge that the items were drop off because their agent failed to put in notes and provided me information that is not correct. The supervisor advise they do not accept partial returns and I would need to return everything in order for an adjustment which doesnt make sense. I do need the other 2 bedroom sets. Now I have to be inconvenience because someone provided me with incorrect information and they are not willing to make this right. Ive already paid towards the bill and now my kids are without a bed bc they refuse to make the adjustmentBusiness Response
Date: 04/24/2025
Ms. ***** Jeans rental-purchase agreement (Agreement) contemplates a termination option. If Ms. ***** **** chose to terminate her Agreement, she would be required to return all the leased property. There is no option to terminate part of the Agreement while leaving part operative.
Pursuant to our records, there is a return for Ms. ***** **** scheduled for April 25, 2025. If Ms. ***** **** has further questions or concerns, she may contact our returns department at **************.Initial Complaint
Date:04/21/2025
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 was charged ****** from acima. Which they did not have permission to take money out of my bank account. When I called them they had took my money and paid someone else's account which is not mine and it doesn't even have my name on the account.. now they are saying that I have to take the lady to court or ask her to refund me my moneyBusiness Response
Date: 04/23/2025
Acima Leasing (hereinafter we, us, and our) received the complaint filed by Ms. ********* ******* through the Better Business Bureau on April 21, 2025. We have reviewed her complaint and the leases in and transaction in question. We confirm that the leaseholder of the lease where the referenced transactions were made, contacted Acima Leasing to request a refund. We confirm that both transactions were successfully refunded on todays date back to the originating payment method. We additionally have removed the payment method associated with the transactions from our system. We confirm that this issue has been resolved, as such we consider this complaint closed. ************** has additional questions, she may contact our customer service department at **************.Initial Complaint
Date:04/21/2025
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 rented 2 pieces of furniture from Bob's Discount furniture on 01/04/2025. I have decided to return an ottoman. I contacted customer service and I was told that I could not return one of two items. I can either return both or none of them. I am a senior and for me to return a couch would be very challenging. Additionally, I reviewed my contract and I do not see anywhere that states I can not do a partial return! (This is rental furniture).Business Response
Date: 04/24/2025
Ms. ********** rental-purchase agreement (“Agreement”) contemplates a termination option. If Ms. ******** chose to terminate her Agreement, she would be required to return the leased property (“Property”). The Property is described as a sofa and ottoman. There is no option to terminate part of the Agreement while leaving part operative.
If Ms. ******** has further questions or to terminate her Agreement, she may contact our customer service department at ***** *********Customer Answer
Date: 04/24/2025
Complaint: ********
I am rejecting this response because: it does not state anywhere in your contract that I must return all items or none of them. Show me where it states this and I will abide by it. I was told that i could c return any item I decided to without penalty. So, basically if someone rents a bed and a sofa but the sofa hurt there back they would have to return the bed too and the re-rent the bed after?? It makes no sense. Please respond.
Sincerely,
**** ********Business Response
Date: 04/28/2025
Paragraph 1 of the Agreement, titled Definitions, defines “Property” as the sofa and ottoman. Paragraph 10 of the Agreement, titled Termination, states the Agreement may be terminated by returning the Property, which consists of the sofa and ottoman. As previously explained, there is no option to terminate part of the Agreement while leaving part operative. As we have addressed Ms. Caldwell’s concern and confirmed that her request falls outside the scope of her Agreement, we consider this matter closed.Customer Answer
Date: 04/29/2025
Complaint: ********
I am rejecting this response because: while I understand the content of the agreement you provided specifies "property" it is still not a response to my question and it is very vague as to what the "property" is.
Sincerely,
**** ********Business Response
Date: 05/07/2025
As we have thoroughly addressed Ms. ********** concerns in our previous responses, we consider this matter closed.Initial Complaint
Date:04/18/2025
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 purchased Furniture in March 2025. The first payment was taken from my account . The second was taken 4/12/25 and another on 4/15/25. When asked to return the unauthorized payment from 4/15/25 I was told repeatedly theres no guarantee that it would be returned and theres nothing I can do about it. My payments are to be withdrawn biweekly. ACIMA refuses to answer questions or refund the overpayment which has put my account into overdraft status.Business Response
Date: 04/18/2025
Acima Leasing (hereinafter we, us, and our) received the complaint filed by Ms. ****** *********, through the Better Business Bureau on April 18, 2025. We reached out directly to Ms. ********* and resolved her concern. If Ms. ********* has additional questions, she may contact our customer service department at **************.Initial Complaint
Date:04/17/2025
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 have been overcharged by acima. The buyout is expensive. They are telling me to return mu merchandise and i need my glasses to see. I cant see to well. It is very expensive but the buyout is more money that already leased it for. I have spoken to them about it and they are not being reasonableBusiness Response
Date: 04/21/2025
Ms. ******** purchased the leased property on April 17, 2025, pursuant to her rental-purchase agreement. As such, we deny her allegation that she was overcharged. Ownership of the property is hers and she has no further payment obligation to Acima Leasing in connection with this lease.
If Ms. ******** has any remaining questions related to her closed lease, she may contact our customer service department at **************.
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