Cross RiverReviews of crossriver.com

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.

helli i just apply for this bank and i got aprove and now i see all reviews here saying many bad things what i should do . i notice all info is done already and many many scamers around wolrd and no gov doabout this issues . util someone kill some scammers seriously

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). SBA clarification states that "As long as a borrower submits its loan forgiveness application within ten months of the completion of the Covered Period (as defined below), the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by SBA." You should not have to pay them in advance of remittance by SBA. It's straight up fraud.