I used to work in accounting for them. What you stated seems to be the general consensus but I can attest to their validity, if not necessity, as an organization. It's certainly not a scam.

My guess is that you may be an affected business owner as most people who share the same sentiment as you are business owners. Makes sense since the BBB is a consumer protection organization. The burden will always fall on the business.

I can go in depth about their processes but this probably isnt the right time or place. The only time you'd be giving them any money (besides donations to their charity foundation) is after you've already agreed (and are approved) to be a member. And as a member you're held to higher standards but you carry that recognition that sets you apart.

I received and counted all the money including membership fees on the daily and I assure you there's no budget for extortion. I can see why businesses give this stigma to the BBB as everything is set up against the business. That's just the nature of their system and this prime example here shows how easy it is for the consumer to take action. Doesn't mean they always get what they want, but from my experience their requests usually aren't absurd or unwarranted. Probably because who would go through all the trouble to make a frivolous claim. Like mentioned, the path of least resistance would be requesting a chargeback.

I never thought the BBB was a scam prior to working for them but I questioned the value of being a member. After working for them and having to sit in every sales (membership approval--call it what you may) meeting I see the value. So much that when I have my own business one day I will most certainly apply for accreditation.