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Business Profile

Class Action Settlement Administrator

JND Holdings, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Class Action Settlement Administrator.

Complaints

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

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    Customer Complaints Summary

    • 159 total complaints in the last 3 years.
    • 42 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/12/2025

      Type:Product Issues
      Status:
      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.
      Business is not paying me my settlement money owed and is not responding

      Business Response

      Date: 08/22/2025

      JND Legal Administration is the Court-appointed Claims Administrator for the class action lawsuit captioned In re: Blue Cross Blue Shield Antitrust Litigation MDL 2406, N.D. Ala. Master File No. 2:13-cv-20000-RDP (the Settlement). Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court.  Further updates and the most current updates regarding the Settlement can be found on the Settlement Website (*******************************************).  

      The Court resolved all appeals, and the Settlement is final. *** is now reviewing claims and sending claim determination notice emails and postcards to people who filed claims. Ms. ***** filed a claim and has been sent a premium notice which provided a link allowing her to see the Total Premiums Paid and/or Total Administrative Fees Paid, according to the records of BCBS.  

      Individual Settlement payment amounts will depend on several factors including, among other things, the number of valid claims that are filed, the premiums paid to one or more of the Settling Defendants during the class period, and whether the *********************** was fully insured or self-funded. More information regarding claim payments is available in the Proposed Plan of Distribution, Question 8 of the Long Form Notice, and Section D of the Settlement Agreement.  Each of these documents can be found on the Settlement website noted above.

      Customer Answer

      Date: 08/23/2025

       
      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:08/07/2025

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      BCBS settlement refuses to update my address so I can receive my settlement check. Have claim number also. Submitted over 40 emails to update my address. Submitted old addresses and ID number. Per **** at *** I will not be sent a check or anything because my address isn't verifiable or valid. This must be a SCAM. No one will contact me or correct my address after almost 1 year of emails.

      Business Response

      Date: 08/11/2025

      JND Legal Administration (JND) is the Court-appointed Claims Administrator for the class action lawsuit captioned In re: Blue Cross Blue Shield Antitrust Litigation MDL 2406, N.D. Ala. Master File No.2:13-cv-20000-RDP (the Settlement). Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court. 


      The Court resolved all appeals, and the Settlement is final.  We are now reviewing claims and sending claim determination notice emails and postcards to people who filed claims on a rolling basis.


      Ms. ***** address has been updated at her request on multiple occasions.  It has now been updated again based on this most recent request. As noted above, claim determination notices are being set out on a rolling basis. 

    • Initial Complaint

      Date:07/26/2025

      Type:Service or Repair Issues
      Status:
      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 am a claimant in the Blue Cross Blue Shield Antitrust Litigation settlement, for which JND Legal Administration (JND Legal Holdings, ***********) is the designated settlement administrator. My claim was submitted timely and accepted, but despite the settlement being finalized long ago, I have yet to receive any payment or meaningful update.For months, the status of my claim has remained listed as "In Review," with no estimated timeline or communication from JND. Repeated attempts to contact them via the official settlement support channels have gone unanswered. This level of delay and lack of transparency is unacceptable for a professional claims administrator tasked with managing a court-ordered class action distribution.If this issue is not addressed promptly, I will escalate my complaint to the court-appointed class counsel, including ******* ******** of Hausfeld LLP and ***** ***** of ***** ******** Flexner LLP, and consider formal complaints to the relevant bar associations and judicial oversight bodies responsible for monitoring class action processes.I request a clear update on the status of my claim and a payment date. Transparency and accountability in class action administration are not optionalthey are a matter of due process.

      Business Response

      Date: 07/31/2025

      JND Legal Administration (JND) is the Court-appointed Claims Administrator for the class action lawsuit captioned In re: Blue Cross Blue Shield Antitrust Litigation MDL 2406, N.D. Ala. Master File No. 2:13-cv-20000-RDP (the Settlement). Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court.  The Court resolved all appeals,and the Settlement is now final.  Further updates and the most current updates regarding the Settlement can be found on the Settlement Website (*******************************************). 

      Mr.********** filed a timely claim on 5/10/2021.  He was sent a Claim Notice on February 7, 2025.  The Claim Notice provided a link allowing him to see the Total Premiums Paid and/or Total Administrative Fees Paid, according to the records of Blue Cross Blue Shield. If he agrees with those amounts,there is nothing further to do at this time. If he disagrees with those amounts, he may dispute them by logging on to the website link, providing dispute details, and uploading supporting documentation. There is also an option to mail dispute details and supporting documentation. 

      Mr.********** has reached out to *** by email, and we responded to his email on May 19, 2025. 

      Customer Answer

      Date: 07/31/2025

       
      Complaint: 23658111

      I am rejecting this response because: I have never received a claims notice on February 7th, 2025 or any other date.

      Sincerely,

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

      Business Response

      Date: 08/05/2025

      We again confirm that Mr. ********** was sent a Claim Notice on February 7, 2025. We have now resent the Claim Notice to him.  The Claim Notice includes the portal login instructions.  

      The link will allow him to see the Total Premiums Paid and/or Total Administrative Fees Paid, according to the records of Blue Cross Blue Shield. If he agrees with those amounts, there is nothing further to do at this time. If he disagrees with those amounts, he may dispute them by logging on to the website link, providing dispute details, and uploading supporting documentation. There is also an option to mail dispute details and supporting documentation. 

      Customer Answer

      Date: 08/06/2025

       
      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:07/24/2025

      Type:Sales and Advertising Issues
      Status:
      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.
      JND Legal Administration was assigned as the administrator to a legal agreement with ***********. This legal agreement entitled me to a check for $951.56. I was unaware of the first check that had been issued, and therefore, the check did not get cashed before it expired. I contacted JND Legal Administration on March 12, 2025, to request that the check be reissued. On April 7th, I called the provided phone number to request a status update on the check reissuance and was told that I am eligible for check reissuance and was also informed that no information could be provided regarding the status of the check. On June 30th, still having not received the check, I sent an email follow-up requesting confirmation that my request had been received. I did receive a response indicating my request was received and if further information was needed I would be contacted. However, as of July 24, 2025, I have yet to receive the reissued check or any further correspondence from this company.

      Business Response

      Date: 07/28/2025

      JND Legal Administration is a third-party administrator appointed by the ************************************ to administer the *********** redress matter.  ****** ****** was issued a check in connection with this matter but did not cash it before the expiration.  ****** ****** has requested a reissue of the check, and such request has been in active check processing.  Ms. ******** reissued check is scheduled to go out by August 15th.  

      Customer Answer

      Date: 07/28/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution (if completed as stated) will be satisfactory to me. I reserve the right to reopen my complaint if the check is not received by a reasonable date following the issuance schedule noted by the business.

      Sincerely,

      ****** ******
    • Initial Complaint

      Date:07/21/2025

      Type:Product Issues
      Status:
      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.
      Subject: Failure to respond in a timely manner or reissue settlement check for deceased Spouse-JND Holdings To Whom It May Concern, I am writing to formally file a complaint against JND Holdings regarding their failure to respond in a timely manner to repeated communication and their refusal to reissue a settlement check that was sent to my deceased Husband. JND Holdings issued a check as part of the class action settlement related to Lexington Law. The check was addressed to my late Husband, who has since passed away. I have reached out to JND Holdings multiple times via email to request that the check be reissued in my name as the lawful next of kin. I have included the necessary documentation in those emails, such as copy of death certificate, small estate affidavit, marriage license, and my contact information. Despite my numerous good faith efforts, JND Holdings has yet to resolve this issue. It has been an incredibly frustrating and emotionally exhausting experience trying to resolve what should be a simple and compassionate process. I am seeking the following resolution:1. A formal response from JND Holdings 2. A reissue of the settlement check in my name. Given the circumstances, I believe it is reasonable to expect acknowledgment, clarity and empathy. I respectfully ask the BBB to assist me in holding this organization accountable for their lack of response and failure to resolve this issue. Thank you ***** *******

      Business Response

      Date: 07/25/2025

      JND Legal Administration is a third-party administrator appointed by the ************************************ to administer the Lexington Law and **************** redress matter.

      We recently received Ms. ******** complete documentation which was necessary for the check to be reissued.  Ms. ******** reissue check is among the next batch of reissues and will be mailed out this week.  

      Customer Answer

      Date: 07/27/2025

       
      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:06/27/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      They had initially sent me a payment on December the 14th telling me that I received my second payment in which I did it was 14. Dollars and some change. I had emailed them back asking where my first one was. I have proof from their employees telling me that it was confirmed they would resend the email so I could activate the first payment just from this last Monday. I have proof that another employee from today said it was their fault I never received the first payment. They are not willing to allow me my first payment and I still don't know how much it was for.

      Business Response

      Date: 07/07/2025

      JND Legal Administration (JND) was appointed by the **** District Court for the Northern District of ******* to serve as the Settlement Administrator in the matter captioned In re: Equifax Inc. Customer Data Security ********************** Litigation,Case No. 1:17-md-2800-TWT. Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court. *** may only pay claims that meet the requirements set forth in the relevant Settlement Agreements and Court Orders. Further information can be found at ****************************************************************************************;

      We have reached out to the third-party service provider (*********) to assist Ms. **** in connection with her first prepaid card.  ********* has confirmed that they reached out to her and provided her the code and assistance.  We have also reached out to Ms. **** directly but she has not returned the call.  Therefore, we believe this issue is resolved. 

    • Initial Complaint

      Date:06/24/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I own a 2022 Subaru and was initiated for the windshield class action settlement. Within 2 years of owning my car a truck driving in front of me on a road kicked up a small rock which hut my windshield causing a small, star shaped, chip that morphed into a crack from one side of the windshield to the other within 5 minutes of the chip. I had never experienced anything like this with a simple chip before and I have always been diligent about patching chips to prevent this kind of damage. I paid nearly $2000 to replace my windshield. Fast forward to the windshield settlement, I was happy to be initiated and quickly submitted photos and supporting documents requested thinking that obviously my crack would qualify for reimbursement because it fit the settlement description for a qualifying crack to a T, and because of how the crack happened I knew something was off with the windshield when I first experienced it.I just received my rejection notice in the mail claiming that the crack did not qualify. And wouldn't you know it? I check the Subaru forum on Reddit and it doesnt seem like anyone has had a crack qualify of any of the posts i have read. So was this class action for the consumers or for lining attorney pockets?

      Business Response

      Date: 07/08/2025

      JND Legal Administration (JND) was appointed to serve as the Settlement Administrator in the class action settlement matter captioned ******, et al. v. Subaru of *************, et al., Case No. 119-cv-19114-***, ****************************, **********************. Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court. *** may only pay claims that meet the requirements set forth in the relevant Settlement Agreements and Court Orders. Further information, including important court documents, claim information and documentation requirements, and FAQS, can be found at ***********************************************************************************.

      Ms.Fords complaint states that her Desired Settlement is contact by JND.  We have attempted to reach out to Ms. **** by telephone on four separate occasions, but she did not answer, and her voicemail was full.  We also emailed her and requested a good time and telephone number for us to reach out to her.  However, she has not replied to our email.  *********** requests additional information regarding this matter, she can respond to the email to set up a telephone call at a time convenient to her. 

    • Initial Complaint

      Date:06/18/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I asked for a phone call Claim PP469CZ7VN To be notified that my address change was updated. I sent this in March. As of today I received NOTHING. I asked for a phone call at my number listed and email. I received neither. Please help. When will funds be released this has been going on for YEARS. Excessive amount of time. Accordingly to the reviews of ***, why would a JUDGE give your company any money to distribute to anyone.Government should be able to verify if a company has a positive BBB. Crazy Claim PP469CZ7VN

      Business Response

      Date: 07/01/2025

      We have reached out to Ms. ******** directly.  This matter is resolved. 
    • Initial Complaint

      Date:06/12/2025

      Type:Customer Service Issues
      Status:
      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 company is facilitating payments for a class action on an Equifax Data breach. They have issued a paper check which I did not receive until after the check expired,The company is not willing to re-issue the check and Im not getting a reply from my customer support tickets.I want to know all monies I am entitled to and what my options are to be fairly compensated.First ticket ******* Check Assistance - Ticket *******

      Business Response

      Date: 06/16/2025

      JND Legal Administration (JND) was appointed by the **** District Court for the Northern District of ******* to serve as the Settlement Administrator in the matter captioned In re: Equifax Inc. Customer Data Security ********************** Litigation,Case No. 1:17-md-2800-TWT. Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court. *** may only pay claims that meet the requirements set forth in the relevant Settlement Agreements and Court Orders. Further information can be found at ****************************************************************************************;

      JND has reached out to Mr. ********** directly to resolve this matter. We have left voicemail messages requesting a call back but have not heard back from him. 

      Customer Answer

      Date: 06/19/2025

       
      Complaint: 23462113

      I am rejecting this response because:

      I need a breakdown of what amount is owed and re-issue a check to my permanent address:

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

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

      I am currently working overseas, difficult for phone calls. 

      Sincerely,

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

      Business Response

      Date: 06/30/2025

      JND Legal Administration has reached out to Claimant to provide details regarding his reissued check. The check was reissued and the check was mailed to the address referenced. 

      Customer Answer

      Date: 07/02/2025

       
      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:06/04/2025

      Type:Product Issues
      Status:
      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 company is supposed to be handling the payments from various settlements from class action lawsuits. Currently they are telling me they mailed a check to me for the first payment on the Equifax suit. when I got email saying I was eligible to get a second payment I called them and they said they paid me by check but the check wasn't cashed but now it's too late to issue another check. To add insult to injury, on the second payment they sent me to the company that I believe is running a scam operation., myprepaidcenter,, which gave me a card number and an expiration date and code, but when I went to add this card to my ****** account. The message I got was invalid number (and I got that over and over again). When I called to speak to someone at myprepaidcenter I was transferred and asked for the credit card number. The line went dead. Over and over. When I called *** they said they couldn't do anything. Personally I think this will end up bein a criminal investigation. And btw, try googling myprepaidcenter. That will give you an idea of the size of the problem

      Business Response

      Date: 06/10/2025

      JND Legal Administration (JND) was appointed by the **** District Court for the Northern District of ******* to serve as the Settlement Administrator in the matter captioned In re: Equifax Inc. Customer Data Security ********************** Litigation,Case No. 1:17-md-2800-TWT. Settlement administration procedures and protocols are dictated by the Courts Orders and Settlement Agreement which was approved by the Court. *** may only pay claims that meet the requirements set forth in the relevant Settlement Agreements and Court Orders. Further information can be found at **********************************************************************************.


      Ms. ******* filed an online Initial Claims Period claim on July 30, 2019, requesting the Alternative Compensation Payment/Cash Payment.  She was approved for this Benefit, and on December 22, 2022, was mailed a check to her address on file (the same address in her BBB Complaint).  The check was not cashed. On January 31, 2023, she was sent the Check Reminder email informing her to either cash the check or reach out to us to have it reissued.  We did not hear from her, and the check expired March 22, 2023.  We can no longer issue Initial Claims Period checks.


      Due to the leftover Settlement Funds, Ms. ******* was eligible for an additional Pro Rata Payment which was issued via pre-paid card to her email address on file on December 19, 2024.  Our records show the email as Opened.  On May 6, 2025, we sent her a Pro Rata Payment Reminder Email (to activate her card if she had not already done so).   Because she has noted that she has had difficulty with her pre-paid card, we have asked ********************* (the pre-paid card vendor) to reach out to assist her.  

      Customer Answer

      Date: 06/10/2025

       
      Complaint: 23419854

      I am rejecting this response because:

      Two things:  

      1. I did not receive a check ( which is why it was not cashed) and I did not receive a subsequent email reminder for the first payment. Since I had chosen to be monetarily compensated for the settlement I was on the lookout for correspondence. Its pretty easy now to just say that they sent the check and an email. And, ***, when I first called asking about a first payment because I received an email talking about a second payment I was told I had been sent a check and CASHED it. Any honest and responsible company would want to make good on something like this instead of lying and then saying theres a rule stipulating they cant.

      2. With respect to the second payment they sent me to another company (subsidiary?) I was initially told they couldnt find me on their list. I called back and said the administrator found me on their list. Suddenly I was found and given a credit card number, which I used. A little later I saw that that money was listed as being for a ******** settlement. Huh?

      2. When I called back after being told that wasnt possible, eventually I was sent once again to the same people who gave me a credit card number for a ******** settlement. They gave me another number and this time when I went to use the card I was told it was invalid. Why would I trust these people?

      As I said initially I want both payments. And this time they can put them in my ****** account so there wont be any confusion about whether it was paid.


      Sincerely,

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

      Business Response

      Date: 06/16/2025

      We have reached out to Ms. ******* directly to resolve and left a voicemail requesting a call back. 

      Customer Answer

      Date: 06/17/2025

       
      Complaint: 23419854

       



      I am rejecting this response because:Once again these people are lying. I got no message from them on my
      phone. They did send an email saying they would provide the second
      payment, figuring they can continue to scam me out of the first one.
      Clearly (and I've googled other unsatisfied "customers" and there are
      plenty of them) they must get to keep whatever they don't disperse. So
      there's no incentive for them to pay me what they owe me.

      I did have an email asking what they owed me. Since I hadn't received anything from them after I filed the paperwork to get money instead of credit protection I would have no idea how much I was owed. And given that these are people hired by Equifax, the company that allowed my personal information to be spread far and wide on the internet, why would I expect any better. In the

      Sincerely,

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

      Business Response

      Date: 06/23/2025

      We have reached out to Ms. ******* directly and this matter is resolved.

      Customer Answer

      Date: 06/23/2025

       
      Complaint: 23419854

      I am rejecting this response because: there has yet to be an acceptable resolution. I told a representative for this company that their responsibility to the court (and to me) is to pay out the monies set aside for members of the class. As of today I have received neither the first payment nor the second payment

      Sincerely,

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

      Business Response

      Date: 07/02/2025

      As previously noted, *** reached out and spoke with Ms. ******* on June 23, 2025 and this matter was resolved.  Her check, as discussed was subsequently prepared and mailed out on June *******.

      Customer Answer

      Date: 07/02/2025

       
      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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