CrossCheck, Inc

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, * ***

Revdex.com Complaint Number *** (old complaint number ***)
Complaint by *** *** *** *** *** *** *** *** ***
CrossCheck is in receipt of the above-referenced complaint dated March 22,
On August 29, 2007, CrossCheck, Incand
*** *** *** entered into a written agreement for check approval serviceSubsequently, on January 2, CrossCheck sent *** *** *** an updated Service Agreement to the address listed on the complaint*** *** *** may refer to the section entitled “Terms and Conditions” of the original Service Agreement which provides in pertinent part: “All terms and conditions of this Agreement, to include the Agreement in its entirety, may be changed by Check Center at any time upon ten (10) days written noticeSuch changes shall supersede any previous terms and conditions.” The new Service Agreement went into effect on January 15, 2012, which gave *** *** *** plenty of time to inquire about the new terms of the Service Agreement.
Pursuant to the written terms of the Service Agreement, in order to effectuate cancellation of the agreement, *** *** *** was required to send thirty (30) days written notice. *** *** *** may refer to Terms and Conditions section of the active Service Agreement which provides in pertinent part: “The terms of this agreement shall be for a twelve (12) month period from the date of acceptance by an officer of Check CenterUpon expiration of the twelve (12) month term, this Agreement will automatically renew for successive twelve (12) month periods unless terminated by written notice from YOUR STORE(s) at least thirty (30) days prior thereto…YOUR STORE(s) understand and agrees that should YOUR STORE(s) terminate this Agreement prior to the conclusion of the applicable term, YOUR STORE(s) shall be billed $as an early termination fee.”
On December 11, CrossCheck received written notice of cancellation from *** *** ***Thereafter, CrossCheck closed the account effective January 9, 2016, in accordance with the terms of the Service Agreement. Because the Service Agreement was cancelled prior to the end of the term of the agreement, a $fee was incurred
On April 4, 2016, CrossCheck received payment in full from *** *** ***CrossCheck considers the account closed and the matter resolved
CrossCheck hopes this addresses *** *** *** complaint is a satisfactory manner

Revdex.com Complaint Number ***Complaint by *** *** - *** *** CrossCheck, Incresponds to *** *** further rebuttal.CrossCheck confirms it received the return of *** *** loaner equipment on August 21, In this regard, *** *** has not incurred any charges for the equipment*** *** may refer to the terms of the Service Agreement and Loaner Equipment Agreement

Better Business Complaint Number [redacted]
Complaint by [redacted]
 
CrossCheck, Inc. is in receipt of the above-referenced complaint dated February 22, 2018.
 
By way of background, CrossCheck, Inc., a check guarantee company, analyzes a variety of factors in determining whether it...

will approve a check, which is CrossCheck’s acceptance of the risk that the check may be dishonored and prospective guarantee of the item for the merchant.  CrossCheck’s service does not verify whether or not funds are in a consumer’s account.  As CrossCheck may refuse to approve an item for reasons other than negative file data associated with a particular consumer or business, a decline should never be viewed as a reflection on a consumer’s credit worthiness or financial responsibility.  Moreover, a CrossCheck merchant may always accept a check despite having received a decline.  Pursuant to CrossCheck’s standard Service Agreement in effect with every CrossCheck subscriber, the ultimate decision to accept or reject any check rests solely with the merchant.  
 
In order to provide the information requested by Mr. [redacted], CrossCheck requires additional information.  In this regard, on February 26, 2018, CrossCheck mailed Mr. [redacted] a Consumer Information File Report Disclosure, which identifies the additional information it requires from him in order to complete its investigation and to provide the requested information on the transaction which is the subject of his complaint.  CrossCheck would also like to apologize to Mr. [redacted] for any perceived maltreatment when speaking with a  representative.
 
Cross*

(The consumer indicated he/she DID NOT accept the response from the business.)We never received a Fax nor letter in the mail of the rate change and demand to see proof of service. Also, every phone conversation mentioned was made with absolutely no results or answers. All we ever got was a run around and never a concrete answer or explanation of why we were being charged these outrageous fees. I would like to personally hear the phone conversation with Mr. [redacted] in which you claim he "agreed" to lower pricing. I would also like to hear the pricing that was quoted to him. I am hereby demanding adequate proof of your claims by providing proof of service of the letter you claim you send and the phone conversations you must have recorded. You may submit this proof by emailing it to [redacted]

Revdex.com Complaint Number [redacted]Complaint by [redacted] - [redacted] CrossCheck, Inc. responds to [redacted] rebuttal.CrossCheck's Customer Service Department does not record telephone calls, however, CrossCheck's position is that Mr. [redacted] and [redacted] all know what transpired during their telephone conversations with CrossCheck representatives concerning the service. As a commercial business, it is the responsibility of [redacted], not CrossCheck, to ensure that the terms, conditions and pricing proposed in agreements are reviewed and understood prior to entering into them. As CrossCheck previously stated, up until the date of cancellation, CrossCheck provided [redacted] the check approval and guarantee services [redacted] contracted for, and at the rates agreed upon by [redacted] and confirmed by CrossCheck in writing. In its complaint, [redacted] acknowledges that it actively used the check service and says it processed over $25,000.00 in checks in an 8 month period (the correct amount is actually $46,816.00 in processed checks since December 2014), however, [redacted] continues to be silent on the fact that CrossCheck has paid it over $8,000.00 in claims. CrossCheck again confirms that [redacted] accounts were canceled effective August 15, 2015, which was 30 days after receipt of the cancellation request. In addition to the remaining billing owed through the effective date of cancelation, [redacted] has not returned the loaner equipment to CrossCheck, and it will also incur this additional billing for the equipment if not timely returned. These terms are expressly set forth in [redacted] Service Agreement and Loaner Equipment Agreement.

Revdex.com Complaint Number [redacted]Complaint by [redacted] - [redacted] CrossCheck, Inc. is in receipt of the above-referenced complaint dated July 15, 2015. CrossCheck, Inc. and [redacted] entered into an agreement for check approval services effective October 10, 2014, for...

three separate store accounts for [redacted]. Subsequently, in March 2015 upon review of the accounts, CrossCheck determined that in order to be able maintain the accounts, a change in [redacted] monthly minimum fee was necessary, in accordance with the terms of the parties' signed agreement. Accordingly, on March 6, 2015, CrossCheck, Inc. sent [redacted] written notice that the monthly minimum fee would be changed to $1,647.00 effective March 19, 2015, however, the rate would remain the same. The written notice was sent to [redacted] both by fax and by mail to the same address as appears on [redacted] complaint. Pursuant to the terms of the agreement, in the event [redacted] did not agree to the change in the monthly minimum fee, it could terminate the agreement within ten (10) days of the notice. Upon receipt of the notice of change of monthly minimum fee, not only did [redacted] not terminate its agreement with CrossCheck, but instead, as it acknowledges, it continued to actively use the check service, submitting checks for approval and claims for payment to CrossCheck. By way of example, since December 2014, in addition to approving over $46,816 in checks processed by [redacted] for approval, CrossCheck has paid to [redacted] over $8,000.00 in claims.CrossCheck representatives had multiple telephone conversations directly with Mr. [redacted] as well as with [redacted] and [redacted] of [redacted] regarding the monthly minimum fee and the terms of the service. In June 2015, CrossCheck representatives had a conversation directly with Mr. [redacted], and explained to him the reason for the monthly minimum fee change, as well as CrossCheck's contractual authority for the change. CrossCheck offered to lower the monthly minimum fee and credit [redacted] back for a portion of the charge if [redacted] would stay with the service. After some discussion over the course of several days, Mr. [redacted] advised CrossCheck that he agreed to the lower pricing for the service, and on June 15, 2015 CrossCheck mailed [redacted] written confirmation of the further change in pricing. After Mr. [redacted] had verbally confirmed acceptance of the new pricing, [redacted] then contacted CrossCheck by telephone and email to cancel the accounts and demand a refund, apparently ignoring the fact of prior communications with CrossCheck as described herein about pricing on the accounts, as well as its communicated acceptance of the revised pricing. Notwithstanding, on July 17, 2015 the accounts were canceled, effective August 15, 2015, which is 30 days after receipt of the cancellation request, per the express terms of the agreement. In addition to the remaining billing owed through the effective date of cancelation, [redacted] has not returned the loaner equipment to CrossCheck, and it will also incur this additional billing for the equipment if not timely returned.

Complaint: [redacted]I am rejecting this response because: They were asked 2 weeks after the fact if all was good they advised it was in processing 
Then in a couple weeks checked on it again they after no replies for 3 times of trying they advised they did not have the correct original checks 
They apologized for not letting us know then stated if we sent the originals and explained the situation they would process - we did and they did not 
Very disapointed with them and their response
Sincerely,[redacted]

Revdex.com Complaint Number [redacted]Complaint on behalf of [redacted] by [redacted] CrossCheck, Inc. is in receipt of the above-referenced complaint dated July 20, 2015. On May 4, 2015, CrossCheck, Inc. and ETSO LLC - [redacted] entered into a written agreement for check approval services....

[redacted] agreed to a service rate based on a certain percentage as well as a minimum monthly fee. [redacted] was also provided loaner check processing equipment at no cost except for a shipping cost of $13.00. Pursuant to the written terms of the Service Agreement, in order to effectuate cancellation of the agreement, [redacted] was required to send thirty (30) days written notice. [redacted] may refer to Terms and Conditions section of the active Service Agreement which provides in pertinent part: "The terms of this agreement shall be for a twelve (12) month period from the date of acceptance by an officer of Check Center. Upon expiration of the twelve (12) month term, this Agreement will automatically renew for successive twelve (12) month periods unless terminated by written notice from YOUR STORE(s) at least thirty (30) days prior thereto...YOUR STORE(s) understand and agrees that should YOUR STORE(s) terminate this Agreement prior to the conclusion of the applicable term, YOUR STORE(s) shall be billed $249 as an early termination fee." On June 9, 2015 CrossCheck received written notice of cancellation from [redacted], which was not at least thirty days prior to the expiration of the term. Thereafter, CrossCheck closed the account as provided by the terms of the parties' Service Agreement. Because the Service Agreement was cancelled prior to the end of the term of the agreement, a $249.00 fee was incurred. Notwithstanding that CrossCheck is entitled to all fees charged to [redacted], in an effort to show goodwill, CrossCheck will refund [redacted] the amount of $79.50, which is a total of all fees paid by [redacted], and waive the remaining amounts due on the account. CrossCheck considers the account to be closed. CrossCheck hopes this addresses [redacted] complaint in a satisfactory manner.

CrossCheck, Inc. responds further to the complaint. 
As a commercial business, [redacted]s Furniture is expected to review athe Service Agreement nd understand the terms of service.  When [redacted]s Furniture inquired into the status of the claims, CrossCheck advised that it had not submitted the original checks, which is required by the terms of the Agreement.  Any delay in processing the claims in this regard was due to Schneiderman's Furniture not following proper procedure for claims submission.  Furthermore, once the original checks were submitted and the claims were under review, CrossCheck properly advised [redacted]s Furniture that the claims were in the review process.  At no time however did CrossCheck represent to  Schneiderman's Furniture that the claims it had submitted met the terms and conditions of the Service Agreement or otherwise qualified for payment.  Indeed, upon completion of the review process and the determination that the claims were non-compliant, CrossCheck notified Schneiderman's Furniture of the reasons for non-compliance and properly returned them.
CrossCheck recommends that for any future approvals, claims or processing services, Schneiderman's Furniture review the Service Agreement and  Confirmation Letter, so that it may be fully familiar with the approval process and requirements for claims.
Sincerely,
 
CrossCheck, Inc.

Complaint: [redacted]I am rejecting this response because: They did not honor there word - please have them review there phone conversations and emails regarding thisSincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/12/22) */
Better Business Complaint Number XXXXXXXX
Complaint by [redacted]
CrossCheck, Inc. is in receipt of the above-referenced complaint dated December 15, 2015.
By way of background, CrossCheck, Inc., a check guarantee company, analyzes a...

variety of factors in determining whether it will approve a check, which is CrossCheck's acceptance of the risk that the check may be dishonored and prospective guarantee of the item for the merchant. CrossCheck's service does not verify whether or not funds are in a consumer's account. As CrossCheck may refuse to approve an item for reasons other than negative file data associated with a particular consumer or business, a decline should never be viewed as a reflection on a consumer's credit worthiness or financial responsibility. Moreover, a CrossCheck merchant may always accept a check despite having received a decline. Pursuant to CrossCheck's standard Service Agreement in effect with every CrossCheck subscriber, the ultimate decision to accept or reject any check rests solely with the merchant.
Regarding Mr. [redacted]'s check decline, CrossCheck received both an on-line inquiry and a voicemail message on December 15, 2015. CrossCheck researched the decline, and responded to Mr. [redacted] the next day, December 16, 2015, with a written Consumer Information File Report Disclosure. As Mr. [redacted] was informed, in this instance the decline was based solely on CrossCheck's industry parameters, which refers to a broad range of proprietary and confidential data, which may include general statistical data regarding check transactions as well as other risk factors. Because this data is proprietary and confidential to CrossCheck's business, it is unable to disclose further details, however, CrossCheck has confirmed for Mr. [redacted] that the decision was not based on any negative data associated with him.
CrossCheck again confirms there is absolutely no negative data in its database associated with Mr. [redacted], and the decline has no connection to any credit rating, which was a concern raised in the complaint.
CrossCheck would like to apologize to Mr. [redacted] for any inconvenience, and hopes this resolves Mr. [redacted]'s complaint.
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2015/12/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
How nice! Their response to the Revdex.com is just as ambiguous as their reply to me. From reading their responses it seems they can do just about anything they darn well want based on their oh so secret parameters and are accountable to no one. Great business model.
I am astounded a business as large as AutoNation actually pays money to this bunch! The PR damage to Automation is much more than they realize. Had I known before hand that my check would be declined I would have taken my new vehicle elsewhere for the accessories.
[redacted]
Final Business Response /* (4000, 9, 2016/01/05) */
Better Business Complaint Number XXXXXXXX
Complaint by [redacted]
CrossCheck, Inc. responds to Mr. [redacted]'s rebuttal regarding the above-referenced complaint.
The check service CrossCheck, Inc. offers its subscribing merchants entails analyzing a variety of factors in determining whether or not it will approve a check, which is CrossCheck's decision on whether or not it will accept the risk that the check may be dishonored, and in turn trigger CrossCheck's contractual obligation to guarantee the item for the merchant. As occurred with Mr. [redacted]'s check at issue, CrossCheck may decline to approve an item for reasons other than negative file data associated with a particular consumer or business, and in this regard a decline should never be viewed as a reflection on a consumer's credit worthiness or financial responsibility. As previously stated in CrossCheck's response, a CrossCheck merchant may always accept a check despite having received a decline.
CrossCheck has confirmed that Mr. [redacted]'s decline was not based on any negative data associated with him, and that the decline has no connection to any credit rating, which was a concern expressed in his complaint. CrossCheck will also point out that immediately upon receipt of Mr. [redacted]'s check decline inquiry on December 15, 2015, it investigated the decline and mailed Mr. [redacted] a written response/Consumer Information File Report the very next day, on December 16, 2015.
Final Consumer Response /* (2000, 11, 2016/01/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Might as well "accept" their "answer." They are not going to answer any question concerning their "parameters." I can pound the keyboard until I bleed but nothing will change. In their infinite parameter wisdom they can do whatever the [redacted] they want. No explanations, no apology, no real answer .... just hide behind a faceless website and nonsensical letters.
Have to give them credit for a great business model. They actually get paid for this great "service." The originators would make great politicians.
Thanks
[redacted] M. [redacted]

Revdex.com Complaint Number [redacted]
Complaint by [redacted]s Furniture
 
CrossCheck is in receipt of the above-referenced complaint dated September 6, 2017.
 
CrossCheck, Inc. and [redacted]s Furniture entered into an agreement for check approval and guarantee...

services on or about July 15, 2014. Pursuant to the terms of [redacted]s Furniture’s Service Agreement, all claims submitted for prospective reimbursement must meet express terms and conditions in order to qualify for payment.  The terms and conditions for warranty reimbursement of claims are expressly set forth in the Service Agreement, including under the Sections entitled “Submission” and “Warranty Exclusions”.  As stated in the Service Agreement, check approval alone does not qualify a check for claim reimbursement.
 
With regard to the two claims identified in [redacted]s Furniture’s complaint, initially, the first in the series of three checks accepted by [redacted]s Furniture from the same checkwriter was never approved by CrossCheck as required.  Thereafter, the originals of two of the checks which were approved were not sent to CrossCheck as required.  Subsequently, [redacted]s Furniture sent the two original checks to CrossCheck as claims, however, neither claim met all the contractual prerequisites as expressly set forth in the Service Agreement, and did not qualify for payment.  The claims were returned to [redacted]s Furniture. 
 
CrossCheck hopes this resolves [redacted]s Furniture’s complaint. If there are any questions, please contact us at ([redacted].
 
Sincerely,
 
CrossCheck, Inc.

Revdex.com Complaint Number [redacted]
Complaint by Liberty Scrubs; [redacted]
 
CrossCheck is in receipt of the above-referenced complaint dated August 11, 2017.
 
On March 15, 2016, CrossCheck and Liberty Scrubs entered into a written agreement for check approval...

services.   Pursuant to the written terms of the Service Agreement, in order to effectuate cancellation of the agreement, Liberty Scrubs was required to send thirty (30) days written notice.  Liberty Scrubs may refer to Terms and Conditions section of the active Service Agreement which provides in pertinent part: “The terms of this agreement shall be for a twelve (12) month period from the date of acceptance by an officer of Check Center. Upon expiration of the twelve (12) month term, this Agreement will automatically renew for successive twelve (12) month periods unless terminated by written notice from YOUR STORE(s) at least thirty (30) days prior thereto….”  Additionally, Liberty Scrubs’ Service Agreement contained a provision whereby CrossCheck reserved the right to change the terms of the agreement, including the monthly minimum, upon ten days’ notice to Liberty Scrubs, and Liberty Scrubs had ten days after an increase in fees to terminate the agreement.  As a business owner, Mr. [redacted] should have reviewed and been familiar with the terms of the Service Agreement. 
 
On July 27, CrossCheck sent Liberty Scrubs written notice that it was increasing the amount of the monthly minimum.  On August 9, 2017, CrossCheck received written notice of cancellation from Liberty Scrubs, which was more than ten days after the notice of increase in fees.  Thereafter, CrossCheck closed the account effective September 9, 2017, which was 30 days after receipt of notice.  Accordingly, Liberty Scrubs will incur monthly billing for August and pro rata billing for September. 
 
Notwithstanding that CrossCheck is entitled to all fees incurred by Liberty Scrubs, in an effort to show goodwill, CrossCheck has retroactively closed the account effective August 9, and will waive the billing after that date.
 
CrossCheck hopes this addresses Liberty Scrubs’ complaint in a satisfactory manner.

(The consumer indicated he/she DID NOT accept the response from the business.)The Loaner Equipment was mailed back to CrossCheck via U.S.Postal Service Tracking number [redacted]. Although we were never provided with a return label not return instructions we found the address and mailed the loaner equipment back. Another negative experience I had to endure while dealing with CrossCheck.

Initial Business Response /* (1000, 5, 2015/12/04) */
Revdex.com Complaint Number XXXXXXXX
Complaint by [redacted] dba [redacted]
CrossCheck, Inc. is in receipt of the above-referenced complaint dated November 23, 2015. CrossCheck, Inc. and [redacted] entered into an...

agreement for check approval services on July 13, 2015, through a CrossCheck partner, AmeriBanc National. On July 14, 2015 CrossCheck sent [redacted] via Federal Express, point-of-sale equipment which allowed [redacted] to utilize CrossCheck's services. CrossCheck received confirmation that the equipment was delivered on July 16, 2015.
Thereafter, CrossCheck made no less than thirteen (13) documented attempts to train [redacted] on the service and equipment, however, each time a CrossCheck representative called, they were told either that no one was available, or to call back another time. These attempts were on July 16, July 22, July 27, August 4, August 5, August 6, August 7, August 28, September 14, September 21, September 22, September 23, October 2, and October 9, 2015, with a letter on August 6, 2015. Neither Mr. [redacted] nor anyone from [redacted] ever followed up on the numerous calls or to letters from CrossCheck to complete the training. As a result, CrossCheck terminated its Service Agreement with [redacted] effective October 12, 2015.
After the Service Agreement was cancelled, on October 15, 2015 CrossCheck mailed [redacted] a courtesy reminder letter that it was required to return the equipment within ten (10) days of cancellation to avoid any cost-of-replacement charges to its account. [redacted] did not return the equipment, and on October 21, 2015, CrossCheck debited [redacted] bank account as previously authorized by [redacted] pursuant to the terms of the Service Agreement. After the cost of the equipment had been charged to [redacted], on November 9, 2015 CrossCheck received the loaner equipment back [redacted], however, it was missing the data cable. On November 25, 2015 CrossCheck mailed [redacted] a refund for the amount charged for the value of the equipment which had been (untimely) returned by [redacted]. It is not CrossCheck's policy to refund merchants for bank fees charged by the merchant's bank, and in this instance, CrossCheck made every possible effort to contact [redacted], including sending it written notices to inform [redacted] of its obligations under the terms of the parties' contract.
CrossCheck hopes this addresses Mr. [redacted]' and [redacted]'s complaint in a satisfactory manner.

Initial Business Response /* (1000, 10, 2016/01/15) */
Revdex.com Complaint Number XXXXXXXX
Complaint by [redacted]; New Orleans Laptop
I am in receipt of the above-referenced complaint dated January 11, 2015.
On August 20, 2007, CrossCheck, Inc. and New Orleans Laptop...

entered into a written agreement for check approval service through a CrossCheck partner, RBS Lynk. Subsequently, on January 2, 2012 CrossCheck sent New Orleans Laptop an updated Service Agreement to the address listed on the complaint. New Orleans Laptop may refer to the section entitled "Terms and Conditions" of the original Service Agreement which provides in pertinent part: "All terms and conditions of this Agreement, to include the Agreement in its entirety, may be changed by Check Center at any time upon ten (10) days written notice. Such changes shall supersede any previous terms and conditions." The new Service Agreement went into effect on January 15, 2012, which gave New Orleans Laptop plenty of time to inquire about the new terms of the Service Agreement.
Pursuant to the written terms of the Service Agreement, in order to effectuate cancellation of the agreement, New Orleans Laptop was required to send thirty (30) days written notice. New Orleans Laptop may refer to Terms and Conditions section of the active Service Agreement which provides in pertinent part: "The terms of this agreement shall be for a twelve (12) month period from the date of acceptance by an officer of Check Center. Upon expiration of the twelve (12) month term, this Agreement will automatically renew for successive twelve (12) month periods unless terminated by written notice from YOUR STORE(s) at least thirty (30) days prior thereto...YOUR STORE(s) understand and agrees that should YOUR STORE(s) terminate this Agreement prior to the conclusion of the applicable term, YOUR STORE(s) shall be billed $249 as an early termination fee."
On December 7, 2015 CrossCheck received written notice of cancellation from New Orleans Laptop. New Orleans Laptop requested the cancellation be effective on January 1, 2016, which was not at least thirty days prior to the expiration of the term. Thereafter, CrossCheck closed the account as requested by New Orleans Laptop. Because the Service Agreement was cancelled prior to the end of the term of the agreement, a $249.00 fee was incurred.
Notwithstanding that CrossCheck is entitled to all fees charged to New Orleans Laptop's account, in an effort to show goodwill CrossCheck will waive the termination fee of $249.00. CrossCheck considers the account to be closed.
CrossCheck hopes this addresses New Orleans Laptop's complaint is a satisfactory manner.
Initial Consumer Rebuttal /* (2000, 12, 2016/01/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I'm fine with the fee being waved. But just let it be remembered that I didn't receive anything from you guys for years. Looked back in my email and it was XX-X-XXXX when I had gotten a bunch of past statements emailed to me after I called in and after that was when I received monthly information via e-statement. But I do thank you for your response and satisfactory solution.