Cross RiverReviews of crossriver.com

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.