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Cross River BankThis business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 151 total complaints in the last 3 years.
- 56 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:05/02/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took a loan from ****** which provided me $4000 to be available and another $3000 available in a savings account after successful loan payment. The $3000 amount was held in an savings account of **********************. The last four of the account number is 0445. I closed my loan with ****** serviced by Systems and *********************(***) on September 26, 2024. I was eligible to access my savings fund on October 15th, 2024 and opened a request for the funds to be transferred to my personal account on 10/17/2024. Since then I have opened multiple transfer requests on the following dates, 10/21/2024 11/11/2024 11/20/2024 11/24/2024 12/20/2024 12/17/2024 12/30/2024 01/18/2025 02/10/2025 02/18/2025 03/06/2025 03/24/2025 04/11/2025 None of the requests resulted in successful transfer of the funds. When reached out to the loan servicer, they mentioned that cross river bank has my account flagged and no further reasons provided. At this point I am frustrated and broken as I am unable to retrieve the funds. As of this day 05/02/2025, my pending amount is $3009.36. I opened a grievance with FDIC and the response from Cross River Bank and the response was that the matter has been escalated and is reviewing. I would like Cross River Bank to provide me with a check for the amount I am owed and also to be duly compensated for all the hardships I had to endure due to the delay in processing my payment and someone from the bank reach out to me personally for their incompetence. There is no correspondence from the bank and all I get is "It is being reviewed". How long does a bank providing API integrations and ******* expertise take to identify why the transfer is being blocked and what is causing it?Business Response
Date: 05/16/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address Venkata Praveen Puvadis concerns. We are currently working with Systems and *************************** to address the complaint and, in order to protect our customers privacy, ********************** will be responding to ******* directly. ******* can expect a response from Cross River Bank soon. We thank ******* for their patience as we investigate this matter.
Sincerely,
Cross River BankInitial Complaint
Date:04/22/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
April ******* my Upgrade credit card $10000 dollar credit limit was decreased to $1000.This dropped my credit score by 70 points in a span of 7 days. I owed on this card approximately $4800.00 dollars at the time they lowered my credit ********, it looks like Im a delinquent ********************************* had the nerve to send an email stating that this offensive action would not impact my credit score ???????? liars I had never been late on a payment and was paying off the $10,000 expediently. My daughter got married in November 2024.Business Response
Date: 05/02/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address Pearl ******** concerns. *************(Upgrade) has investigated the details of the complaint and, in order to protect our customers privacy, Upgrade responded directly to Pearl regarding their concern on May 2, 2025. We thank Pearl for their patience as we worked with Upgrade to address this matter.
Sincerely,
Cross River BankInitial Complaint
Date:04/10/2025
Type:Product IssuesStatus:UnresolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My issue is I did a complaint with my card being stolen and several atm transactions were made , so I filed a dispute etc cross river is connected with UPGRADE. I was approved for the credit which stated This email is to inform you that we have provisionally credited your account as of 03-20-2025 in the amount of $500.00. This temporary credit is being provided while we investigate your claim. .! I got 5 emails that day in the total of $2503 which I never got after I made complaint my account was restricted instantly now they finally made a decision to close my account and only give me $260 which supposed to be $2763 . I just want all my money and for my account to be open since I have done nothing wrong in the accountBusiness Response
Date: 05/02/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address ********* ****** concerns. ************* (Upgrade) has investigated the details of the complaint and, in order to protect our customers privacy, Upgrade responded directly to ********* regarding their concern on May 1, 2025. We thank ********* for their patience as we worked with Upgrade to address this matter.
Sincerely,
Cross River BankCustomer Answer
Date: 05/02/2025
Complaint: 23186940
I am rejecting this response because: That was a lie, I did not get a response from Upgrade or the CEO May 1st, I received an email from them April 30 saying the same thing that has been said already and Im tired of hearing it.! All I want is my funds because there is still no reason as to why my account had been close ! Because I only literally only had money come from my tax refund ! What did I do wrong to get my account close ! Please send my ******* so I can be done dealing with upgrade and cross river bank!
Regards,
********* *****Business Response
Date: 05/15/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint and their additional concerns. We are working with ************(Upgrade) to address the additional concerns and in order to protect our customers privacy, Upgrade will be responding to ********* directly. We thank ********* for their patience as we work with Upgrade to address this matter.
Sincerely,
Cross River BankCustomer Answer
Date: 05/19/2025
Complaint: 23186940
I am rejecting this response because: the timing and the lies! I have been waiting long enough. My issue has not been resolved at all
Regards,
********* *****Initial Complaint
Date:04/05/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My taxes was sent to this bank to be direct deposited into my personal account bank from the *** but my personal bank sent the check back to them but they still havent sent the check back to the irs for them to issue me my paper check I have called for weeks without a response.Business Response
Date: 04/17/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address ****** Whitleys concerns. We are working with *********** (******) to address the complaint and, in order to protect our customers privacy, ****** will be responding to ****** directly.****** can expect a response from ****** soon. We thank ****** for their patience as we work with Intuit to address this matter.
Sincerely,
Cross River BankInitial Complaint
Date:04/04/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a letter from Cross River Bank indicating that my loan application was denied. I have never applied for a loan with your bank and had never heard of it, therefore, I am very glad the loan was denied! I would love to know who the application was from so that I can immediately report the person for attempted fraud. How much was the attempted loan for?? Can you please contact me with this information as soon as possible? I would really appreciate it. Also please remove any information pertaining to this matter from my credit file. Thank you and have a great day.Business Response
Date: 04/16/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to customers and welcome the opportunity to address ******* ********* concerns. We are working to address the complaint and, in order to protect Carolyns privacy, Cross River Bank will be responding to ******* directly. ******* can expect a response from Cross River Bank soon. We thank ******* for their patience as we investigate this matter.
Sincerely,
Cross River BankInitial Complaint
Date:03/27/2025
Type:Billing IssuesStatus:UnresolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Cross River Bank has an account holder who is committing wire transfer fraud. ******* ****** has an account #********** with routing #*********. I transferred ******* on December 20th 2024 and another ****** on February 18th 2025 for a rental property pool home in ***************. It was a scam with the contact person impersonating the owner of the property. The bank, Cross River, has been NO HELP during the various phone calls and emails etc. They said the routing number on my receipts is an Upgrade Account. Upgrade has been no help in finding the account number etc. The Banking ********************************** has been NO HELP either in the situation. Almost seems like everyone is in the same bed together protecting a fraudulent account being used for wire transfer fraud. I filed a complaint with the *** and have not heard anything back from them either. THIS BANK AND ALL INVOLVED needs investigated for harboring this account clearly being used as a cleansing account for FRAUD. ********************** number is ************. Upgrade Bank number is ************. Department of ********************* number is ************. Perhaps something by someone can be done to shut this corruption down before others get scammed along the way. The impersonator phone number is ************ and strangely was still active when a similar post came across ******** of another pool home in ***** was using the same number for contact information about a week after our scam came to light back on March 1st. Shut the no good slime b******* down before others get hurt financially. **** *******Business Response
Date: 04/08/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service and welcome the opportunity to address ******* Boswells concerns.
Cross River Bank can confirm that our Fraud Investigations team is working with Upgrade to address this matter. We thank ******* for bringing their concerns to our attention and are sorry to hear that their experience has not met expectation. If ******* has any additional information to assist Upgrade and the Banks review of this matter they may send it to the Bank via email at ************************************************************* We thank ******* for their continued patience.
Sincerely,
Cross River BankCustomer Answer
Date: 04/09/2025
Complaint: 23122886
I am rejecting this response because:
It states nothing to the effect of their efforts to CLOSE OR SHUT DOWN the account in question. The previous mentioned account information is relative to fraudulent activities and was used in obtaining funds thru wire transfer for the SCAM.Shut them down NOW.
Regards,
******* *******Business Response
Date: 04/17/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the rejection of our response to ******* Boswells complaint. Cross River welcomes the opportunity to further address ******** concerns. While Cross River appreciates that ******* remains dissatisfied with our response, Cross River is unable to disclose details of the investigation for privacy and security reasons. We are sorry to hear that ******** experience has not met expectation and thank them for their continued patience as we worked with Upgrade to address this matter.
Sincerely,
Cross River BankCustomer Answer
Date: 04/22/2025
Complaint: 23122886
I am rejecting this response because:
It merely sounds like a canned preset response and this claim needs to stay open until the account is closed and or frozen to prevent any further scams and cleansing of funds due to fraudulent wire transfers etc.
Regards,
******* *******Business Response
Date: 04/30/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the second follow up submitted by ******* ******* regarding BBB complaint 23122886. Cross River welcomes the opportunity to further address ******** concerns. As previously mentioned in our April 17, 2025, response, Cross River is unable to disclose details of the investigation for privacy and security reasons. We apologize for the inconvenience, however,rest assured that this matter is being addressed.
Sincerely,
Cross River BankCustomer Answer
Date: 05/01/2025
Complaint: 23122886
I am rejecting this response because: it does not address the request for closing the account that was used in the scam.Waiting till we know the account has been closed and the owners of the account have been reprimanded for their fraudulent use of the account in question.
Regards,
******* *******Initial Complaint
Date:03/14/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This business is sending fraudulent *** refund checks from ******. There is no way to to deposit, cash or reconsile the tax refund of countless people. They will not answer phone calls. There has not been any step to rectify the situationBusiness Response
Date: 03/26/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address the concerns of **** ******. *********** (******) has indicated that they are working to address this matter, as part of their response to BBB Complaint ID No. ********. ****** will work with **** to address their concerns. We thank **** for bringing this matter to our attention.
Sincerely,
Cross River BankInitial Complaint
Date:03/07/2025
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On June 26th and 27th of last year, I received a payment from a customer. Although I have encountered some challenges with their customer service regarding fund transfers and vendor payments, I proceeded to transfer funds from my business account to my ******** account. While the transfer was initially successful, I was later prompted by ******** to provide documentation concerning the $110,000 transfer. I complied with their request, but unfortunately, my account was closed shortly thereafter, and I lost access to over $100,000 in funds. I reported this situation on ******** last year, which was quite stressful. They informed me that I needed to provide a Hold Harmless Agreement before they could release my funds. After an extended wait, ******** requested this hold harmless agreement from ***** ********* *******, as the funds originated from my business account there. I reached out to ***** ********* ******* for assistance with ********'s request. Initially, they advised me to communicate with ******** to contact them via email provided for me to clarify the necessary format for the agreement. However, ******** stated they do not engage with third-party banks. They did provide a fax number for the Hold Harmless Agreement, which I forwarded to ***** ********* *******. They declined to provide ******** with a hold harmless agreement and have now requested that I approach my customer to obtain a hold harmless agreement from them as well, before they can proceed with providing one to ********. I found it quite surprising to be asked for this agreement, especially considering that the payment in question has been outstanding for over 7 months. After expressing my concerns about this request, I felt that ***** ********* ******* has been somewhat inconsistent in their communication, asking for various forms of proof despite my having already provided all necessary documentation, including payment confirmations and invoices. I can't type in as much as I wat. PLS HELP ME!Business Response
Date: 03/28/2025
Dear
April:
On behalf of
Mr. Gilles G***, CEO of Cross River Bank, I am writing to acknowledge receipt
of the referenced complaint. At Cross
River Bank, we strive to provide the highest level of service and welcome the
opportunity to address ***** ****** concerns.
A
review of Cross River’s records was unable to locate the referenced transaction
or account with the details provided. Cross River recommends the Complainant
contact the entities referenced in the complaint for resolution.
Sincerely,
Cross River BankBusiness Response
Date: 03/28/2025
Dear
April:
On behalf of
Mr. Gilles G***, CEO of Cross River Bank, I am writing to acknowledge receipt
of the referenced complaint. At Cross
River Bank, we strive to provide the highest level of service and welcome the
opportunity to address Debra Gray’s concerns.
A
review of Cross River’s records was unable to locate the referenced transaction
or account with the details provided. Cross River recommends the Complainant
contact the entities referenced in the complaint for resolution.
Sincerely,
Cross River BankCustomer Answer
Date: 03/28/2025
Complaint: ********
I am rejecting this response because:I believe ***** ********* deposits are facilitated through Cross River Bank. But to provide further clarity, I have maintained a Business Checking Account with ***** ********* for over two years. The transaction in question, amounting to $110,000, was initiated on July 21, 2024. The transaction reference number from ***** ********* is *************** And my Business Checking Account number is **********. The funds were deposited into my personal ******** account on July 25, 2024.
I have reached out to ***** ********* multiple times but have not received any resolution. They first claimed Cross River Bank is on it but nothing till now. However, ******** is requesting a Hold Harmless agreement following intervention from the Better Business Bureau last year. They have informed me that they will not respond further unless ***** ********* provides this agreement, before they could issue a check for my balance. My experience with ******** and ***** ********* has unfortunately led me to lose a significant amount of trust in banks. It seems that they approach their customers with suspicion, often without conducting thorough investigations. I have attached the response I received from ******** when I reported my concerns to the Better Business Bureau and my ***** ********* January statement for your reference.
Regards,
***** ****Customer Answer
Date: 03/28/2025
Complaint: ********
I am rejecting this response because:I believe ***** ********* deposits are facilitated through Cross River Bank. But to provide further clarity, I have maintained a Business Checking Account with ***** ********* for over two years. The transaction in question, amounting to $110,000, was initiated on July 21, 2024. The transaction reference number from ***** ********* is (************), And my Business Checking Account number is **********. The funds were deposited into my personal ******** account on July 25, 2024.
I have reached out to ***** ********* multiple times but have not received any resolution. They first claimed Cross River Bank is on it but nothing till now. However, ******** is requesting a Hold Harmless agreement following intervention from the Better Business Bureau last year. They have informed me that they will not respond further unless ***** ********* provides this agreement, before they could issue a check for my balance. My experience with ******** and ***** ********* has unfortunately led me to lose a significant amount of trust in banks. It seems that they approach their customers with suspicion, often without conducting thorough investigations. I have attached the response I received from ******** when I reported my concerns to the Better Business Bureau and my ***** ********* January statement for your reference.
Regards,
***** ****Business Response
Date: 04/08/2025
Dear
******
On behalf of
Mr. Gilles G***, CEO of Cross River Bank, I am writing to acknowledge receipt
of the referenced complaint and their additional concerns. We appreciate that ***** **** remains
dissatisfied Cross River Bank’s response, however, as advised in Cross River’s
response on March 28,2025, our records do not show a transaction or account
with the details provided.
Cross
River has notified ***** ********* of the complaint, who has also confirmed
that the transaction does not concern Cross River. We are sorry to hear about
the difficulty and encourage Debra to continue working with ***** ********* on
this matter.
Sincerely,
Cross River BankBusiness Response
Date: 04/08/2025
Dear
April:
On behalf of
Mr. Gilles G***, CEO of Cross River Bank, I am writing to acknowledge receipt
of the referenced complaint and their additional concerns. We appreciate that ***** **** remains
dissatisfied Cross River Bank’s response, however, as advised in Cross River’s
response on March 28,2025, our records do not show a transaction or account
with the details provided.
Cross
River has notified ***** ********* of the complaint, who has also confirmed
that the transaction does not concern Cross River. We are sorry to hear about
the difficulty and encourage ***** to continue working with ***** ********* on
this matter.
Sincerely,
Cross River BankInitial Complaint
Date:02/28/2025
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
There is a *** filing on my home from this company and I have been unable to speak to anyone at this organization that can help me. Property address *****************************************Business Response
Date: 03/21/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address Sauna Gordons concerns. We are working with ****************************, doing business as Best Egg (Best Egg) to address the complaint and, in order to protect our customers privacy, Best Egg will be responding to Sauna directly. ***** can expect a response from Best Egg soon. We thank Sauna for their patience as we work to address this matter.
Sincerely,
Cross River BankInitial Complaint
Date:02/25/2025
Type:Product IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Filed taxes through TurboTax who uses cross river as a 3rd party payment processor. My tax refund for over $8,000 was mailed to me instead of going direct deposit like my state did. The check cross river mailed was a fake check according to my bank and the check cashing place. Now Im banned from check cashing because they think I had a fraudulent check. They showed me multiple customers checks from intuit/******************************************* and we all have the same check numbers!!! None of us are allowed to cash our checks. Where my federal tax return??? You cant even call cross river because it goes to voicemail. I need my money sent direct deposit now that cross river banks checks are flagged in systems. I need someone to contact me immo!Business Response
Date: 03/14/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the referenced complaint. At Cross River Bank, we strive to provide the highest level of service to our customers and welcome the opportunity to address the concerns of ******* *****.
Our records confirm that we received a duplicate complaint from the **** regarding this matter. We are working with ****** to address the complaint. ******* can expect a response from Cross River Bank, soon. We thank ******* for their patience as we investigate this matter.
Sincerely,
Cross River BankCustomer Answer
Date: 03/14/2025
Complaint: 22989394
I am rejecting this response because:
Intuit resolved my payment issue but cross river has 0 communication skills and they need to be fixed. A person should be able to call a bank and get assistance not a voicemail.
Regards,
******* *****Business Response
Date: 03/26/2025
Dear April:
On behalf of Mr. ****** ****, CEO of Cross River Bank, I am writing to acknowledge receipt of the rejection of our response to ******* ****** complaint.
We are committed to excellent customer service and are sorry to hear that Kortneys experience did not meet expectations. We value their feedback as it enables us improve our services and thank ******* for sharing.
Sincerely,
Cross River BankCustomer Answer
Date: 03/27/2025
[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.
Regards,
******* *****
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