Cross River Avis 

Real help was the company on my profile.

Cross River facilitated a fraudulent chargeback scam by a customer of my online business by the name of Shannon Corman. I provided evidence of the fraudulent claim, however, without any specified reason, Cross River Bank accepted the claim and took the money.

This bank facilitates fraud. An online gaming company, Living Pixels Studio, created a Ponzi scheme and stole millions of dollars. Many tried to use their credit card purchase protection to chargeback the unfulfilled purchases. Cross River Bank worked with Living Pixels Studio to lie and cheat in their evidence to avoid financial consequences for the fraud. Do not do business with this bank.

Terrible. I payed off a personal loan with a balance transfer credit card from Citi and they’re saying the funds went to a different bank. Citi has provided proof funds went to Cross River and they’re still saying it didn’t happen, even though they cashed the check.

Why did my tax refund go to this bank that I have no dealings with whatsoever nor am I in the same state as? It is almost impossible to contact or get a response from them! I need an explanation! Since I see the bank is responding through this Review platform to their business complaints. Thank you.

I have been trying to contact this bank for over an hour and a half and all i get is their voicemail. they somehow recieved my tax return when i dont even use this bank let alone do i live in the same state... but trying to get them to respond has been the worst hassle ever. This bank is obviously a scam. Stay Away!!

My account was flagged and suspended. I called various times and requested to know why. I used my card for two small transactions totaling under $13 from a small convenience store and Taco Bell. It was suspended due to fraudulent activity I was told. How I do not know. I called at least 5 times and it's been nearly two weeks with no resolution. I stopped my small direct deposit into this account. I have a loan from them (Ugrade) which did not allow the payment to go through and now it is delinquent. I am filing a consumer complaint through the Federal Reserve. Avoid this bank!

Someone fraudulently opened a credit card under my name with this bank. I called their number - it went to a fax or something. I got on their website to notify them of fraudlent activity. They didn't respond, but started sending me advertisements via email.

You overcharged my account.

I paid off my loan and was debited 4 additional months resulting in an overpayment of $2,000. I have since been completely unable to reach somebody that can assist for over two weeks now.

I had a loan with you people from Jan 2020 which you took out of my banking account for 201.37 a month for a loan of 5000.00 you stopped taking out of my account starting June 2021 now I get a call from spring oaks that says I stopped paying when it was you guys that stopped taking out which I only owe 1979.00 left on my loan now they want be to pay double what I owe you when they only took the loan 95 days ago don't think it is fair that they can charge more then owed to you

They restricted my account, it has been over a month without any communication. I do not have access to my funds. Front representatives cannot provide any updates nor I can speak to someone who can.

I have had a credit line with Cross River Bank for over two years through Upgrade. I have to say this is the worst lender that I have ever dealt with. I have not been late on any of my payments with them or any creditor, ever.

I have good credit and my credit utilization rate is below 30%. While other creditor cards and credit lines have increased my credit during that time, Cross River keeps reducing my credit. This year so far, they have reduced my credit line three times. Sometimes, they give very odd reasons. One of the reasons they gave the last time is "Inconsistent trend in payment amounts of bank-issued credit cards". The fact is I pay much more than the minimum balance on all my credit cards. Sometimes I pay double, sometimes I pay triple, sometimes I pay a card off. Cross river seems to think this is bad.

Jason Brinkman, in lender finance at Cross River has to be the most ignorant, novice I’ve ever communicated with in banking. It’s literally like dealing with an 8th grade hoodlum.This bank needs to consider who they hire to represent it. I’m the CEO of an investment firm with 20+ years in the business. Never have communicated with an intern like skill set at a high level before until now.

They used people to profit off of PPP Loans. Everyone with an issue should report them to Small Business Administration (SBA) Office of the Inspector General (OIG).

Horrible experience and going on 2 years of trying to get answers due to their numerous errors. They continuously try to charge interest when the loan is deferred until SBA says different. There should be a class action lawsuit brought against them and cross river bank!

This Bank apparently oversees the operation of a so-called 3rd party "Partner" known as AFFIRM, Inc.
I was recently made aware of this fact in the form of an email response to a formal complaint filed against AFFIRM due to their demands to provide photos of my personal identification (Driver License, Passport, etc.) and also a photo of myself, simply to update my phone number that I recently changed. I've refused to submit to the demands and therefore have been locked out of my online AFFIRM account for almost 2 months. I cannot manage my payments for financed items that I purchased via AFFIRM financing. Now I'm behind in payments and expect they will damage my Credit Rating as a result. Furthermore, they have already updated my new phone number in their system but I am still denied access because I don't provide the photos that I suspect will open me up to I.D. Theft in the event that they sell my information for a profit. I've got 3 Government entities involved in this matter because AFFIRM personnel have been unbending in their demands for photo images of myself and my I.D. just because I changed my phone number. On multiple occasions, during phone conversations with AFFIRM Reps, they sent a 4-digit code to my phone as a text message which was immediately verified by me as we spoke. When I attempt to log into my online AFFIRM account, my new phone number receives the code as usual but will not allow me access until I provide the photos as they demand.

I've not applied for a loan from this company, yet I received a letter informing me that I have been denied, what a hoax !!!!!

Now, I need to check with Experian, to determine the reason was denied, even though my score is over 700. LOL.

I've never gone to them, for anything, and after this, I never will.

BEWARE !!!!!!!

So..I am a sole proprietor. Care Taker/ Cleaning Lady. Around Febuary 2020 small guys like me could apply for PPP loan. I was approved. 7500.00. I used the money correctly and my business is open. I am still my only employee and I am still working and trying to rebuild. Cross River Bank denied me forgiveness because they say I don't qualify as per the old rules for PPP..which changed around Feb 2021. I use quickbooks and Turbo tax. Long time customer. So Quickbooks Capitol says I don't qualify for any forgiveness. I appealed but with no numbers to real humans ultimately I was arguing with an A I who provided only one answer to any questions. Then Quickbooks opened the SBA PPP LOAN FORGIVENESS PORTAL . I applied for forgiveness. Over a year has passed with no correspondence. Yesterday, I went to get gas and all my accounts we locked. Credit cards too. They withdrew the 7500 and looks like fees too. I have done some research..and Cross River on behalf of Quickbooks Capital did not turn in my SBA forgiveness paper work and as of now I can't appeal because the SBA never seen the paperwork hence no decisions either way. I am trying to figure this out. It feels like fraud to me and I am employing the advice of the SBA, my bank and some lawyers. I am sure I am not the only small fry that Cross River/ Quickbooks Capital is taking advantage of and frauding.

I have had just a few nightmare situations with various companies over the years. This one though, Sunlight Financial together with Cross River Bank, deserves a special mention. I am so sorry that I used this institution for my solar loan. They are completely unresponsive to customer service requests. Look out - they'll ghost you too.

Scammed us using PPP. Lied to us. Said we wouldn't get forgiveness and then took more money than they paid out. Do not trust Cross River.

I am receiving notices that I was denied. I have never applied to this bank. Upon researching, I keep seeing comments about a PPP loan. I have never received anything from that program.