Complaints
This profile includes complaints for Marcus by Goldman Sachs's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,707 total complaints in the last 3 years.
- 673 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:03/27/2024
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 not reliable for the debt with the charter communications. I do not have a contract with Goldman Sachs Bank ***. They did not provide me with the original contract as requested.Business Response
Date: 04/03/2024
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 27, 2024. The Bank appreciates the opportunity to address the concerns raised by ************************* (the Customer)related to validation of the debt owed for the *********************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on October 1, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
The Bank does not have a record of a previous request for debt validation. The Bank sent the Customer the requested documents on March 29, 2024, validating the Customer's debt including a copy of the Apple Card Customer Agreement and full statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $3,865.22.
Based on the above details, the Bank kindly requests for this complaint to be closed.Initial Complaint
Date:03/27/2024
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 need to have the late payment removed from my Experian report because Apple Credit Card reported inaccurate information to my credit bureau, therefore affecting my credit score. Report #************.Business Response
Date: 04/03/2024
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 27, 2024. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to credit reporting for the Apple ******************** conducted an investigation and confirmed no error occurred. The Customer did not make a successful payment to satisfy at least the minimum amount due by October 31, 2023, until December 12, 2023. As a result, the Bank reported the account past due to the ************************** The Bank confirmed the account was reported accurately to the **************************** The Bank is obligated to report accurately to *************************** and is unable to update the Customers credit reporting.
Based on the above details, the Bank kindly requests for this complaint to be closed.Initial Complaint
Date:03/26/2024
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 opened 5 CD accounts with Marcus last fall. This week and last week, two of them matured. I set the closure method to return the money back to the original bank account, but waited over a week and no transaction happened. Yesterday and today, I made phone calls to their customer service, but they couldn't provide me with a satisfactory explanation for the delay in returning my money after the CD matured, citing vague "security reasons." All I received was a request to wait. Now, I find myself in a frustrating situation where I'm unable to access my funds (which should automatically go back to my bank account as per the account setting), and I'm left in the dark about when I can expect them to be returned or even receive an update.Business Response
Date: 04/03/2024
BBB Response ****
ID ********
**********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to the closure of their Certificate of Deposits (CD).
On September 18, 2023 and October 31, 2023, the Customer provided the Bank with Early Instructions for two of their CDs to close at maturity and transfer the funds to a linked account. On November 3, 2023, the Bank identified security concerns regarding the Customers identity and restricted their online banking access. On January 17, 2024 and January 18, 2024, the Bank attempted unsuccessfully to contact the Customer to resolve the security concerns. Unfortunately, this restriction impacted the Banks ability to process the Customers request to close the two CDs at maturity.
On March 25, 2024, the Customer contacted the Bank inquiring on the closure of their CDs; however, Bank was unsuccessful in authenticating the Customer and the security concerns remained. As an alternative verification method, the Bank mailed an Affidavit of Identity ***** to the Customers address on file to resolve the security concerns on April 3, 2024. The Bank is currently waiting to receive the completed documentation from the Customer.
Based on the above details, the Bank kindly requests this complaint to be closed.Initial Complaint
Date:03/26/2024
Type:Product 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.
Last Friday, on 3/22/22, I opened an online saving account at ******************** using a referral link, and everything went smoothly and quickly, with the money being transferred from my BOA account to the ******************** account promptly. However, to my surprise, when I tried to log in on Monday, 3/25/24, it said my account was locked. I assumed it was a simple identity verification matter, so I called customer service. They informed me that they couldn't send a one-time passcode to my phone because it wasn't linked to my name. I use a ******** prepaid plan, and my phone is registered with my real name. Other banks haven't had any issues with this number. Moreover, because I don't have a driver's license yet , they couldn't verify my identity, and thus would not explain why my account was locked. Even when I answered all verification questions correctly, they insisted they couldn't verify me without my phone number, and they couldn't use my email for verification either. They didn't provide any other ways to verify myself.One representative mentioned that someone would contact me within 1-3 business days, but when I requested their supervisor to explain further, the supervisor said I should follow up after 7 business days, or alternatively, I could force close the account.I argued that they didn't mention during registration that my phone number wasn't working or that not having a driver's license would be an issue. If I was told about these, I wouldn't have opened an account in the first place. Now, using these reasons to indefinitely block my access to my funds is unacceptable and unreasonable. Therefore, I demand the forced closure of my account. However, since it hasn't been a full week since I transferred the money in, and the funds are not yet "available", they said I should call again next Monday to request the closure to have my money returned to my original bank account.Business Response
Date: 04/01/2024
BBB Response ****
ID ********
**********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank appreciates the opportunity to address the concerns raised by ************** (the Customer) related to accessing their ************** Accounts (OSA).
On March 22, 2024, the Customer opened and funded their OSA. On March 25, 2024,the Bank identified security concerns regarding the Customers identity and restricted the Customers account until the security concerns could be resolved.Later that same day, the Customer contacted the Bank regarding their account access;however, the Bank was unsuccessful in authenticating the Customer and the security concerns remained.
On March 29, 2024, the Bank contacted the Customer to address the security concerns. A Bank specialist then successfully verified the Customer using alternate methods and restoring their online access.
On April 1, 2024, the Bank attempted unsuccessfully to contact the Customer to assist with the closure of their account. If the Customer wishes to proceed with the closure of their OSA, the Bank requests the Customer contact the Bank at ************** ***************),Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET for further assistance.
Due to the experience, the Bank provided the Customer with a token of goodwill to the Customers OSA.
Based on the above details, the Bank kindly requests this complaint to be closed.Customer Answer
Date: 04/02/2024
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,
**************Initial Complaint
Date:03/26/2024
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 had Reach out several times regarding help referring payments. My father its in hospice and I am helping with his care. Only working 2 days a week now.I have an outstanding payment on time record.I am just looking to defer payments up to 3 months so I can be able to take care what its more important my father *** it looks like the only way they are willing to help is, if my account goes to collection ! *** I am not going to do that because I care about my credit score.I really need a refer payment starting March 2024Business Response
Date: 04/03/2024
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above referenced complaint via the Better Business Bureau (BBB) Complaint Portal on March 26, 2024. The Bank appreciates the opportunity to address the issues raised by ************************* related to their personal loan (the Loan)serviced by ****************************************. (SST).
The Bank sends our deepest sympathies for your situation.
Please be advised the Bank transferred the servicing of the Loan to SST effective December 11, 2023. The Bank has asked SST to reach out to you to discuss potential hardship options. Please expect SST to contact you.
Please contact SST at ************** if there are any questions regarding the Loan.
Based on the above details, the Bank kindly requests this matter be closed.Initial Complaint
Date:03/26/2024
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've been trying to close my account and have my money moved to another financial institution for several weeks. Despite more than 10 phone calls to resolve the matter, they have not closed my account and have not moved my money. The representatives have been a combination of incompetent, rude, and just plain unhelpful. They have not provided a reason as to why the account hasn't been closed or why they continue to hold onto my money, which is directly contrary to my request. This is a large sum of money they're holding onto (several hundred thousand dollars) and having a significant negative impact to me via the inability to use the funds to pay bills. The resolution I'm seeking is very simple, move the money out of their account to a different financial institution (that is already linked to this account) and close this account - immediately. For context, I recently went through a similar transaction with another financial institution and the account was closed the same day and the money transferred within 3 business days so there is no justification for Marcus's incompetence to complete a similar transaction.Business Response
Date: 04/02/2024
BBB Response *******
ID ********
**********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank
appreciates the opportunity to address the concerns raised by *************************** (the Customer) related
to closing their ************** Account (***).
On March 18, 2024, the Customer contacted the Bank requesting to close their *** and transfer the
funds to a linked account. During the transfer processing review, the Bank identified security concerns
with the transfer as the funds needed to be returned to the original funding account. Subsequently, the
Bank contacted the Customer advising that the funds needed to be returned to the respective funding
accounts. The Bank then declined the transfer.
On March 21, 2024, the Customer contacted the Bank to re-initiate the closure of their **** ******************** specialist did not inform the Customer of the appropriate amount of funds that needed to be
transferred to the respective funding accounts. Consequently, the Bank declined the outgoing transfer
which led to a delay in closing the Customers ****
On March 27, 2024, the Customer contacted the Bank to transfer the appropriate amount of funds to
the respective funding accounts and close the **** The Bank successfully processed the transfers and
closed the *** on March 29, 2024.
Based on the above details, the Bank kindly requests this complaint to be closed.Initial Complaint
Date:03/26/2024
Type:Product 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.
Goldman Sachs stole 260$ from my credit card account. I opened a depute for 260$ ( D-********) with a plant store that sold sick dead plant to us. I have provided pictures and evidences to them. Goldman Sachs did not run an investigation and 3 days later denied with a disputed. However, Goldman Sachs charged my card additionally 260$ that they never credited back when dispute was opened. So the total charge is 520$ for a plant that never made it. I demand to place my money back as well provide full investigation results on why my dispute was disregarded Disputed transaction: D-********Business Response
Date: 04/02/2024
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 26, 2024. ******** appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to a transaction dispute with the Merchant Amelias Smartyplants in the amount of $260.00.
******** conducted an investigation and confirmed no error occurred. The Customer initially disputed the transaction on March 20, 2024, and reopened the dispute on March 26, 2024. ******** applied temporary credits while the disputes were investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the Merchant because the Customer requested to withdraw the disputes. As a result, the temporary credits that were applied to the Customers account were reversed on March 26, 2024, and March 27, 2024. ******** sent the Customer emails detailing the dispute outcomes. ******** confirmed that the balance correctly reflects the dispute credits and reversals.
The dispute was reopened on March 27, 2024, and the Bank applied a temporary credit while the dispute is reinvestigated. The dispute with the merchant ******************** remains under investigation, and the Bank expects completion within 2 billing-cycles from the date of receipt and no later than 90 days from date of receipt. During the investigation, the account does not incur interest for the amount in dispute and the Customer is not responsible for repayment.
Based on the above details, the Bank kindly requests for this complaint to be closed.Customer Answer
Date: 04/02/2024
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,
***********************Initial Complaint
Date:03/25/2024
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 opened an online savings account at ******************** on May 2023, and on Feb. 14, 2024, I received a mail stating my account was closed without anyone telling me ahead of time and without my confirmation. I have money in the bank account and didnt know where they go now. I called 6 times regarding retrieving my account. However, they told me they couldnt verify my information because first, when they cross-referenced my phone number, it did not match my name publicly (I used the exact same number when I opened the account), so they refused to send me the one-time pin code to verify me (deposit department would be able to send me the verification code though). I even put my phone carrier on the phone, and the agent refused to talk to them. Ive been using this phone number for other banks, for health care, for anything! Then, because my drivers license was issued in **, they couldnt use my driver's license to verify either. I just dont get it; when I opened the account, I was using the exact same phone number, and I also entered SSN, birthday, and email address; unfortunately, none of these would be used for verification; however, every single time, when I called them, the person picked up the line would verify my information by asking those information!! Two weeks from now, I was told there would be a form for verification purposes expedited to me. However, it never came. So, I called again, and one agent told me the form would be mailed to me only after the investigation was done on my case; she told me someone would call me on the case, and then I asked her how long the investigation would take, she told me there would be no time frame!! Then I called again and talked to another agent, who assured me the form was mailed out already! Their agents couldnt do much to help and just asked me to wait without advising a time frame! Last Tuesday, I have received a call from the **************** to verify my information and she told me it should be only taking a couple of days for them to figure out my account and someone should reach me to let me know a resolution. Then I have waited for a week, nothing happened, so I called again today, another agent from the fraud department was trying to tell me the same thing again!! The agent told me she couldnt use my phone for verification and I will need to fill out the form, then I explained everything again including I already verified with an agent a week before my information. She then said would reach out to her supervisor and asked me to called again the next day during ************** hours to talk to supervisor. I will call tomorrow, but I dont really know when this will come to a resolution... why is this so difficult and disappointing? This is the worst experience I ever had with banking.Business Response
Date: 04/02/2024
BBB Response *****
ID ********
**********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank
appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to
accessing their ************** Account (OSA)
On July 31, 2023, the Bank identified security concerns regarding the Customers identity and restricted
the OSA until the security concerns could be resolved. Due to the ongoing security concerns, on
February 13, 2024, the Bank made a business decision to close the Customers OSA.
On March 6, 2024, the Customer contacted the Bank regarding their account access; however, the Bank
was unsuccessful in authenticating the Customer and the security concerns remained. As an alternative
method of verification, the Bank requested the Customer to complete an Affidavit of Identity (AOI).
After further review, the Bank made an exception to resolve the security concerns without an **** On
March 19, 2024, the Bank contacted the Customer and verified the Customer using alternate methods
to resolve the security concerns. Subsequently, the Bank specialist restored the Customers online
access.
On March 26, 2024, the Customer contacted the Bank regarding the status of their OSA. A Bank
specialist then assisted the Customer with re-opening their account which was successfully completed
by the Bank on March 29, 2024.
Based on the above details, the Bank kindly requests that this complaint be closed.Initial Complaint
Date:03/25/2024
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 invested in Marcus online banking last year. And because of my name and phone number didnt match, they cannot send me codes through phone, also I didnt have driver licenses to prove my ID, they didnt accept passport. And they locked my account and closed it this Jan. I have a complaint about the tax form. Since I cannot log in my account, and I cannot download my 1099 form there. I called them this Feb to ask them give it to me either online or send it to my mail box. But they said you need a affidavit to prove your ID and sent it back. It costs them about 7-10 business days to review and they will give me the 1099. I received their affidavit and wrote, then sent it back a month ago. I called them almost every three days after 10 business days as they promised. but there is no update and staffs who picked up the phone always said there is nothing I can do. They even didnt help me ask their managers or others. They put me in hold for half a month and I still dont have any updates. They even told me I can call them everyday to monitor the updates.But what actually happened is there is no updates, every time I called them, they said it still needs a few steps.Business Response
Date: 04/02/2024
BBB Response Feng
ID ********
**********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
complaint via the ********************** Complaint Portal on March 25, 2024. The Bank
appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to the
receiving their 1099-INT.
On January 12, 2024, the Bank mailed the appropriate tax documents to the Customers address on file.
On January 25, 2024, the Customer contacted the Bank inquiring on the tax documentation related to
their account; however, the Bank was unsuccessful in authenticating the Customer. As an alternative
verification method, the Bank requested the Customer to complete an Affidavit of **************************** the security concerns which the Bank received on February 28, 2024. Unfortunately, there was a
delay in reviewing the ***.
On April 1, 2024, the Bank approved the *** and a Bank specialist contacted the Customer to assist the
Customer with accessing their tax documentation as requested.
Based on the above details, the Bank kindly requests this complaint to be closed.Initial Complaint
Date:03/25/2024
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.
Hello,I opened my saving account with ******************** in May'2023. I transferred fund of $2500 in this account from my chase account. But after couple of weeks, my online access was disabled and I am not able to access my account from last 7-8 months. I have called Marcus multiple times, requesting them to either enable my access or refund the money from my account. Everytime I speak to new representative and have long conversation with them, but none of them are able to help me. It more than 6 months, I am chasing to either get my online account access or get the fund. I need help in this. Marcus account number: ************ I want fund transferred to my chase account:Chase Account number: ********* Chase Routing number: *********Business Response
Date: 04/01/2024
BBB Response Garg
ID ********
**********************, a brand of Goldman Sachs Bank *** (the "Bank"),received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 25, 2024. The Bank appreciates the opportunity to address the concerns raised by ********************* (the "Customer") related to accessing funds in their ************** Account (***).
On May 17, 2023, the Bank identified security concerns regarding the Customers identity and for the protection of the Customer, restricted the *** until the security concerns could be resolved.
On June 5,2023, the Customer contacted the Bank regarding their *** access; however, the Bank was unsuccessful in authenticating the Customer and the security concerns remained. Due to ongoing security concerns, on July 29, 2023, the Bank made a business decision to close the ***.
On February 18, 2024, the Customer contacted the Bank regarding the status of their *** and a Bank specialist assisted the Customer in transferring the funds from their ***, to the original funding account. Unfortunately due to a processing error,there was a delay in transferring the funds back to the Customers external account.
On March 28, 2024, the Bank successfully processed the transfer and closed the Customers ***.
Based on the above details, the Bank kindly requests this complaint to be closed.Customer Answer
Date: 04/02/2024
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,
*********************
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