ComplaintsforProguard Warranty
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Complaint Details
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Initial Complaint
09/22/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On September 5th I had an appointment for an inspection of my truck for a few issues. I advised the dealership I would need a rental as I was temporarily working in South carolina, But from indiana. The dealership diagnosed it as an internal failure of the transmission, needing replacement, And a warped exhaust manifold also needing replacement. The dealership contacted my warranty company, They scheduled an inspector for Friday, the 8th. The inspector the warranty company chose showed up while the technician was still on lunch and refused to wait. So the inspection got pushed back to Tuesday, The 12th. He did not show up until Wednesday the 13th. Which makes 5 days (More than the warranty company covers the rental for). He came to the conclusion that the transmission needed replaced and that the manifold wasn't warped because "it was still on the truck" so they would not cover it. They also would not cover a new nor a reman transmission, instead opted to send a USED transmission with an undisclosed amount of miles. They also would not cover the whole labor amount. They told me there was a shop I could take it to that would, However I would be out of pocket $360 for the diag fees, And rental fees to the current dealer it was at, Totaling over $650 for nothing. So I chose to opt in to pay the difference in labor to keep it there. I was informed there was a $250 handling fee by the dealer for the used transmission that Proguard was refusing to pay. Proguard then purchased the used transmission and I was informed it would not arrive until the 21st. Which is now over $800 in just rental fees which they would not cover. I was just informed that my transmission arrived, But without a programmable valve body. So they added that to my bill. MY PORTION of the bill is now $2,481.66. DO NOT PURCHASE A WARRANTY THROUGH THIS COMPANY expecting to just pay your deductible for "covered repairs". I paid over $3,000 for this warranty FOR NOTHING.Business response
10/13/2023
October 13, 2023
To whom it may concern:
ProGuard Warranty has reviewed the above-referenced complaint and offers the following in response.
After the claim was initiated, ProGuard exercised its right to acquire an independent inspection of the vehicle. An appointment for this inspection was scheduled and mutually agreed upon by the inspector and the repair facility. At the time of appointment, no service technicians were available, so the inspection was rescheduled. We realize this was in no way *** ******’s fault, and therefore an additional three days of rental reimbursement were credited to him.
Failure of the transmission was confirmed by the inspector, resulting in need of its replacement.
According to the terms of the service contract, we located a used transmission with documented mileage for the repair. The repair facility’s labor rate was in excess of industry standard. ProGuard located a local repair facility with industry standard labor rates, and suggested relocating *** ******’s vehicle to avoid out of pocket costs. However, Mr. Vaugh chose to stay at repair facility that diagnosed his vehicle. We covered the industry standard labor rate, and *** ****** was responsible for the additional costs. In addition to the transmission, ProGuard approved the repair of the valve body and applicable programming, so *** ****** should not have incurred the expense stated in his complaint.
And while we are not responsible for handling fees, ProGuard did approve $125 toward this cost. The total approved cost of this repair was $6,898.00.
The inspector could not confirm failure of exhaust manifold, and therefore the claim for repair of this component was not approved.
While we understand *** ******’s frustration, we are also confident his claim was handled fairly.We trust this satisfies your concerns. Please feel free to contact us if you have any additional questions.
Sincerely,
***** ***
Claims ManagerCustomer response
10/16/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:
Regards,
*************************Initial Complaint
08/31/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
We bought a car for our daughter for her birthday with the extended warranty with Pro Guard. After three weeks eve transmission went out in the car. The dealership we purchased from picked the car up , and contacted proguard they had the transmissions available. Pro guard said no , we will send you one , why would we want to pay for a transmission with a warranty when we only need to cover the car for 10 more months. They said that to the car dealer. Little did they know , I've done business with this dealer for 20 years and they told us. My child drives this car , and they could care less if the replacement parts are good and safe. The transmission they sent literally died on her 12 hours after picking up (8 of those hours were sleeping). What kind of car part business would say something like that when a person safety and life could be at risk.Business response
09/11/2023
We have contacted ************************ directly. In addition, we have reviewed all audio related to this complaint and claim and can confirm our representatives did not make any statements described in **************************** complaint. Based on our discussion with ************************, we believe his concerns have been satisfied.Customer response
09/13/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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. Although the denying of it being about money was false I agree
Regards,
*****************************Initial Complaint
08/28/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Purchased a vehicle with a warranty. I purchased Proguard 3 warranty to be exact. This covers all issues identified by auto shops that Proguard has sent me to or with the original manufacturer. Proguard sent me to an auto shop from their list of partners to fix my vehicle. Without success, I was told that I would need to take my ********** to an actual ********** dealership to fix inner engine issue. I took my vehicle to ********** where I had to get an $800 engine teardown completed. ********** gave me the inspection report after opening my engine. When ********** tried to use my warranty with Proguard, Proguard refused to fix the issues and instead told me to go back to the previous mechanic who had already exercised all basic solutions to fix my vehicle. I had it towed back to the original auto shop where I was told that the replaced parts were fine and no longer a viable area of concern. The original shop that Proguard sent me to, told me exactly what ********** told me. "There's an issue with the Camshaft that is not associated with the newly replaced parts." I told Proguard who instructed me to take my car to a THIRD auto shop to get an inspection. The third auto shop said that the sound is normally associated with the newly replaced parts and could not possibly be related to the newly replaced parts. This all leaves the deeper engine issue (Cam Shaft Replacement) as the root issue. Proguard is scamming me by trying to make me pay for another $800 inspection instead of taking the written report from **********. Proguard Warranty could have sent their personal inspector to ********** to verify issues when it was originally with **********. They did not send an inspector. They completely refused to allow me to exercise my warranty with ********** so that my policy could not be used to correct the issue. This is extremely manipulative/corrupt, lacks good faith. I've been tangle up in this for eight months with no car!Business response
09/08/2023
We have reached out to this customer directly and believe his concerns are satisfied.Customer response
09/13/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: My vehicle is now in a shop and the issue is pending the claims being processed and accepted. This issue can't be considered as resolved until the warranty is exercised and the work is completed without resulting in a balance at the end of the transaction when it's time to pick up my vehicle. I will call the business today and ask for the agreement in writing or via email. If the terms of the solution are provided to me in writing, I would *** more than happy to close this complaint in "resolved" status.
Regards,
***************************Business response
09/19/2023
Our records indicate repair is complete, with no additional cost related to covered repair incurred by ***************** Additionally, we have spoken with him directly, and we believe his concerns are satisfied.Initial Complaint
08/17/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I purchased a used ******** * ***** . And decided to buy a warranty and chose pro guard #3 pretty much covers everything. Kess than a month after the car purchase I discovered the car had an oil leak. I called proguard being a first time extended warranty customer I asked them where I should take my car. And was advised that *** **** was a partner with them or something and would be the easiest and fastest because they were pre approved with proguard.after two days ivwas told it was just sn out pan leak and would be done in a few days. Fast forward 6 weeks of going between them and proguard and asking for my car to be towed to a ******** specialist because *** **** was in way over their head. Because proguard has an agreement with *** **** they kept giving them more time to destroy my car. Well the day came 6.5 weeks and 2 engine removals layer and instructions how to put it back together again. I received a call saying my car was dine. And inspected and running great. Well when I picked it up I noticed 2 spits on the roof where paint and ********* were gone . I took it to a paint shop and was told ****************************************************************** something. I complained to both proguard and *** **** and 24 hours was told they watched 6 weeks of video in one day and they didn't cause the damage . Well I was gonna ****** it however. My car didn't even make it a mile till it completely went boom. . I then had itvtiwed to a ******** specialist that basically had to rebuild the motor. The cost to fix what *** **** destroyed was around 9k. Proguard covered it. Now here is where proguard is completely in the wrong. They are refusing to cover any more repairs that still fall under the tome and millage frame of my warranty. Claiming they paid out more then the cars value. . That may be true. However it was their suggestion and theirvworking partner that caused it. I've since paid out if picket 3k in repairs that they have rejected.Business response
09/11/2023
September 8, 2023
To whom it may concern:
ProGuard Warranty has received the above-referenced complaint and offers the following in response.
*** ******* purchased a service contract, which contains a limit of liability. In accordance with the terms of the service contract, ProGuard has processed several claims for repair of *** *******’s vehicle.
The total of claims paid out has exceeded the limit of liability of the service contract. The *** **** repair is not included in the calculation of claims paid out.
While we understand *** *******’s frustration, we are confident his claims have been handled fairly.
Sincerely,
Claims ManagerCustomer response
09/12/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:
Regards,
*************************Initial Complaint
08/09/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
I purchased a $92,000 ******** with a full remaining factory warranty. The dealer forced an extended warranty on me . The extended warranty coverage doesn't began until the factory warranty ends.I sold the car 5 months later before the extended warranty even began and the warranty company will not give me my money back.Business response
08/21/2023
August 21, 2023
To whom it may concern:
ProGuard Warranty is in receipt of the above-referenced complaint and offers the following in response.
Our records indicate *** ********** purchased a 2021 ******** **** from *** **** ******* on or about 2/7/2023. At the same time, *** ********** also purchased a ProGuard Warranty service contract through *** **** *******. The service contract purchase price was $5,680.00.
On August 8, 2023, ProGuard received a cancellation request from *** **** ******* for the abovereferenced service contract. The cancellation is currently processing. Upon completion, the full amount of the contract purchase price will be refunded to the lienholder, ***** *****, unless *** ********** produces evidence that the vehicle’s loan has been satisfied. Considering mailing and processing time, ProGuard usually advises customers that a cancellation can take up to thirty days to be complete.
We trust this satisfies your concerns. However, please feel free to contact us if you should have any other questions.
Sincerely,
Dealer Relations SpecialistInitial Complaint
07/20/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I spoke with Pro Guard Warranty on June 29th, 2023 to inquire how to get service on my vehicle, as I am a new customer. They were able to recommend a local mechanic that has recently worked with Pro Guard Warranty. I spoke with the mechanic about my vehicle, and told them to contact Pro Guard before completing any repairs. They acknowledged having worked with Pro Guard and would contact them and receive authorization prior to completing repairs. When I picked up the vehicle on July 7th, 2023, they said they were on the phone with Pro Guard for 1.5 hours, but were unable to get through to Pro Guard. The bill from the mechanic was for $2028.77. I paid the bill and took the car home. I contacted ProGuard regarding reimbursement and they advised me to email the Claims department with the necessary information. I emailed ProGuard Claims Department on July 10th, 2023 with the information, including images of the itemized mechanic bill. A ProGuard employee called me on July 12th, 2023 and let me know they received the claim and it would be reviewed, typically resolved within 30 days. This employee acknowledged the original employee gave me known bad advice and that employee had been spoken to. This employee also stated that the labor charges would be reimbursed, among some other things the claims department would have to review. When I received the response from the claims department, they were only reimbursing $1214.37 of the total bill. This included only the parts that my purchased warranty covered, plus the labor for only those parts. They used the mechanic's labor charge of $149/hour in their calculation for this portion of the reimbursement, for a total of $551.30 for labor. However, this contradicts what the ProGuard employee told me on the phone. I emailed ProGuard to dispute this and ask for full reimbursement, as their known bad advice is the cause of this. They refused to pay any more than originally quoted in the reimbursement.Business response
08/09/2023
August 8, 2023
To whom it may concern:
ProGuard Warranty has reviewed *** *******’s complaint and submits the following in response.
On 6/29/23, *** ******* contacted our customer support department to inquire about initiating a claim for repair. A representative instructed *** ******* to take his vehicle to a licensed repair facility near him. When *** ******* asked if ProGuard recommended any repair facilities near him, the ProGuard representative searched facilities with which ProGuard has previously worked in *** *******’s zip code.
ProGuard’s representative gave *** ******* the name of the repair facility, which was ***/ ********* *********** ****** in Arlington Heights.
Neither the repair facility nor *** ******* contacted ProGuard to obtain authorization prior to completion of repairs. Therefore, ProGuard was unaware of any repairs until after completion of
repairs. When *** ******* contacted ProGuard, he was instructed to submit a copy of the repair bill for review by our claims department. Upon review, ProGuard approved repairs in the amount of $1214.37.The following repairs and corresponding cost were not approved, as they are noncovered components:
Part and labor for brake disc and brake pad $479.61
Alignment $139.00
Shop supplies $40.00
Sales tax $88.25In addition, our claim team did not approve $22.84 (related to overpricing of ball joint) or $44.70 (related to labor time on a covered component). However, in consideration of the circumstances, ProGuard will reimburse *** ******* an additional amount of $67.54. As a result, *** ******* will be fully reimbursed for all costs related to repair of covered components, totaling $1281.91.
The remaining costs related to the vehicle’s brakes and alignment are not covered by the terms of the service contract. In addition, the service contract specifically excludes the cost of shop supplies and sales tax. Please refer to Section 10. Exclusions F., W., X., and Z. for more information.
We hope this satisfies your concerns. Please feel free to contact me with any additional questions or concerns.
Sincerely,
Claims ManagerCustomer response
08/17/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: ProGuard is denying responsibility for their actions and attempting to place blame on me, their client. The statement in ProGuard’s response “Neither the repair facility nor *** ******* contacted ProGuard to obtain authorization prior to completion of the repairs” is an attempt by ProGuard to place the responsibility for the issue on me, the client, and deny their involvement. The ProGuard representative recommended the repair facility APC/ ********* *********** ******, as noted in ProGuard’s response; “ProGuard’s representative gave *** ******* the name of the repair facility, which was APC/ ********* *********** ****** in Arlington Heights.” The ProGuard representative instructed me to talk to the people at ***/ ********* *********** ****** and let them know they need to talk with ProGuard prior to completing any repairs. I had that conversation with a staff member of ***/ ********* *********** ******. ProGuard’s response implies it is also my responsibility to manage the actions of the staff at ***/ ********* *********** ****** to verify they take the steps I instructed them to take. In addition, as mentioned in my initial complaint to BBB and ProGuard’s response, ProGuard’s representative gave me the name of the repair facility “with which ProGuard has previously worked.” A ProGuard representative, different from the one who provided the recommendation, contacted me over the phone on July 12th and admitted that the repair facility ProGuard recommended was in fact, not a repair facility that met their criteria. I have complied with all of the instructions, policies and procedures asked of me by ProGuard, yet ProGuard continues to put the responsibility on me, their client. ProGuard’s actions, which they confirmed to be knowingly incorrect, are to blame for this entire issue.
Regards,
**** *******Initial Complaint
05/23/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 17 May 2023 my 2015 ******** ************** broke down, still under warranty (PG3). The oil cooler broke which gummed up the thermostat causing the engine to overheat. With increased pressure from overheating, the Radiator then began leaking. ProGuard is now refusing to pay for the Oil Cooler, and only pay for the Radiator and Thermostat. On top of this, while the ******** Dealership charges $250/hour for labor, ProGuard will only cover $100/hour labor leaving me at cost for the rest. You can even see their warranty levels and coverage on their website (included below) and nowhere on there do I see any statement about a labor cost cap. What is listed on their website is the same as what is on the contract that I signed when I bought the vehicle. This is the second time I have dealt with a warranty claim for this vehicle and I can wholeheartedly say that I wish I had gone with another company. Nothing but headaches and half truths. Warranty Coverages: ********************************************Business response
06/13/2023
To whom it may concern,
We contacted this customer directly and believe we have resolved any concerns he had at the time of complaint.
Regards,
ProGuard Warranty Inc.
Initial Complaint
02/21/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
The car dealership knew my vehicle I bought in late October 2022, was already making a noise from the engine, offered me a 6 month warranty . I am still under warranty and now the vehicle needs a new motor. The shop where my vehicle is located filed a claim, pro guard warranty isnt even wanting to pay half , they are offering $1200 and the bill is over $5200.00 . The agent stated their libable is on page 3 well, I didnt get page 3 from the dealer I only got the one I attached to this complain. This is unacceptable and I need help immediately.Business response
02/24/2023
February 23, 2023
To Whom It May Concern:
Please accept the following as ProGuard Warranty’s response to the above-referenced complaint.
Our records indicate *** **** purchased a 2015 ********* ***** from ******** **** ***** on or about 10/8/2022. At the time of vehicle purchase, the dealer provided *** **** with a 6 month/7,500 mile PG1 service contract. The service contract was free of cost to *** ****.
Section 2. LIMITS OF LIABILITY Section B. reads: “PG1 (LIMITED POWERTRAIN) ONLY. The total of all benefits paid or payable shall not exceed the **** ***** Official Used Car Guide clean retail value at the time of repair. In addition, the total of all benefits paid or payable are limited to the following: three (3) and six (6) month Terms – one thousand two hundred fifty ($1,250) dollars ~ twelve (12) month Term – one thousand seven hundred fifty ($1,750) dollars ~ twenty-four (24) month Term – three thousand ($3,000) dollars.”
*** ****’s claim was processed and payment in the amount of $1,250 was approved. No deductible applied to this benefit.
We have contacted the selling dealer to inquire about *** ****’s claim that she only received one page of her contract. Although we are still awaiting a response, we would like *** **** to know that we take this claim very seriously and will take further action to ensure our selling dealers are issuing proper documentation at time of purchase.
While we regret that *** **** is not satisfied with her ProGuard experience, we remain confident that her claim was handled fairly in accordance with the terms of her service contract. Furthermore, we believe the service contract provided a valuable benefit at the time of her vehicle repair. We suggest
*** **** contact the selling dealer to discuss the vehicle’s repair, since she indicated the dealer was aware of a mechanical issue at the time of sale.
We hope our response has satisfied your concerns. If you have any additional questions, please feel free to contact us.Sincerely,
ProGuard Warranty Inc.Initial Complaint
02/08/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Case #*********** FEB 1, I took my truck into the shop for covered repairs. I was told that the manifold bolt had broken off. Problem starts when the representative [*******} from my warranty company told me that I would have to purchase a new warranty. because mine expires on FEB 2.I was told that this was a covered item, and to leave my truck at the repair shop, for warranty purposes, because they did not want to cover the items until I pushed my warranty. FEB 2, Spoke with *******, who assured me that inspector would get to my truck soon. FEB 3, I had to get a rental vehicle, the day FOLLOWING my drop off at the repair facility; ******* again assured me that they would cover this. FEB 6, I was called by ******* and told that the adjuster had an accident, and he could not make it to evaluate the truck repairs. FEB 8, I contacted ******* and inquired about my vehicle; he said that they authorized the repair which is the original diagnosis. When I questioned how to get my rental refund, ******* said that they would only cover $200. Although I exclaimed that the person that they chose to look had the vehicle got into an accident, I had nothing to do with their delay and should not be held responsible.Business response
02/14/2023
February 14, 2023
To Whom It May Concern:
Please accept the following as ProGuard Warranty’s response to the above-referenced complaint.
Our records indicate *** ******* initiated a claim on or about 2/1/23. Our representative informed *** ******* that an inspection would be ordered to verify cause of failure. The inspection was delayed due to circumstances beyond our control. However, the claim was approved after inspection was complete. According to the terms of the service contract, Section 11. RENTAL CAR REIMBURSEMENT, “In the event that a covered component breakdown requires labor in excess of eight (8) hours, Administrator will provide rental car reimbursement of fifty ($50) dollars per day for a total of no more than four (4) days from a licensed provider. Delays caused by unavailability of parts, shipping, Licensed Repair Facility schedules, or other factors do not qualify for rental reimbursement.” Although *** *******’s claim was not eligible for rental car reimbursement (the covered repair required less than 8 hours of labor), our claims department authorized the maximum payout for rental service due to the inconvenience *** ******* had experienced as a result of the inspection delay.
We reviewed all audio of phone calls related to this claim and can confirm the following. A ProGuard representative did not inform *** ******* that he would be required to purchase a new service contract. In fact, when *** ******* expressed concern that his contract would be expiring the next day, our representative informed *** ******* that any covered component experiencing a failure prior to expiration of the contract would still be covered, even if repair took place after expiration.
We regret that *** ******* is not fully satisfied. However, we remain confident that his claim was processed fairly. We believe our claims department went above and beyond to achieve customer satisfaction.
If you have any additional questions or concerns, please do not hesitate to contact us.
Sincerely,
Steve F
Initial Complaint
11/09/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been going back and fourth for a week now with this warranty company. My car broke down 10/28/2022. I called progaurd 10/31/2022 to go over coverage and in network dealers that accept their contract amount. I was given vague information and was told to go online or to call the dealership and see if progaurd warranty was excepted which I did. #1 ******* in south hills Pa advised me that they accept the warranty. So I called Progaurd back in spoke to roadside assistance. They told me that they towed the car if they find an Network Tow company for them if not they wanted me to pay they was always asking for payment for stuff and I told them to get somebody that they will pay so they got somebody thats are covered under them. The car was dropped off at #1 ******* ********** they did a diagnostic test they found out that the campshaft was completely disintegrated. Progaurd said that the campshaft wasn’t covered. #1 ******* also discovered that the timing chain needed replaced which showing that it is a covered benefit underneath the progaurd warranty 3 now all of a sudden they’re asking me to pay an additional $50 out-of-pocket an hour for labor. This is completely absurd not only did I speak to a supervisor so called and they hung up now I’m just keep on going in a circle and losing out on my workday working longer days because I have to call the warranty company and the dealership all day. I still don’t have a rental or nothing like I’m just paying to get rides back-and-forth to work so I’m out and more money than I was to begin with anyway so why would I pay $50 more an hour and my deductible should only be $100. I wouldn’t recommend this company to my worst enemy this is a complete circus and they need more employees because the never answer you gotta call 5 times. If need be I can print out my call records as well.Business response
11/23/2022
November 23, 2022
To Whom It May Concern:Please accept the following as ProGuard Warranty's response to the above-referenced complaint.
A ProGuard representative reached out directly to the customer, and we believe all concerns are satisfied.
Attached, please find a call log which shows all calls made between ProGuard and *** *********** and/or his significant other, identified as *******, in our call logs. We believe the record shows ProGuard has been diligent in communicating with the customer(s).
If you have any other questions or concerns, please feel free to contact me directly.
Sincerely
Meghan L*********Compliance Manager
Customer response
11/28/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: the are lying as you can see I had to call them repeatedly and they also lied about coverage. I spoke to a couple people don't get me wrong but they don't covered what they promised and they are frauds. The company wanted me to move my car to someone cheaper.
Regards,
***** ***********
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Customer Complaints Summary
40 total complaints in the last 3 years.
25 complaints closed in the last 12 months.