Crosscheck

Initial Business Response / [redacted] (1000, 5, 2015/12/22) */ Better Business Complaint Number XXXXXXXX Complaint by [redacted] CrossCheck, Incis in receipt of the above-referenced complaint dated December 15, 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 merchantCrossCheck's service does not verify whether or not funds are in a consumer's accountAs 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 responsibilityMoreover, a CrossCheck merchant may always accept a check despite having received a declinePursuant 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, CrossCheck researched the decline, and responded to Mr [redacted] the next day, December 16, 2015, with a written Consumer Information File Report DisclosureAs 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 factorsBecause 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 / [redacted] (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 meFrom 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 oneGreat 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 realizeHad 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 / [redacted] (4000, 9, 2016/01/05) */ Better Business Complaint Number XXXXXXXX Complaint by [redacted] CrossCheck, Incresponds to Mr [redacted] 's rebuttal regarding the above-referenced complaint The check service CrossCheck, Incoffers 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 merchantAs 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 responsibilityAs 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 complaintCrossCheck 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, Final Consumer Response / [redacted] (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 changeIn their infinite parameter wisdom they can do whatever the [redacted] they wantNo explanations, no apology, no real answer just hide behind a faceless website and nonsensical letters Have to give them credit for a great business modelThey actually get paid for this great "service." The originators would make great politicians Thanks [redacted] M [redacted]

Revdex.com Complaint Number [redacted] Complaint on behalf of [redacted] by [redacted] CrossCheck, Incis in receipt of the above-referenced complaint dated July 20, On May 4, 2015, CrossCheck, Incand 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 $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 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 June 9, CrossCheck received written notice of cancellation from [redacted] ***, which was not at least thirty days prior to the expiration of the termThereafter, CrossCheck closed the account as provided by the terms of the parties' Service AgreementBecause the Service Agreement was cancelled prior to the end of the term of the agreement, a $fee was incurredNotwithstanding 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 accountCrossCheck considers the account to be closedCrossCheck hopes this addresses [redacted] complaint in a satisfactory manner

Complaint: [redacted] I am rejecting this response because: They were asked 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 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]

(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 backAnother negative experience I had to endure while dealing with CrossCheck

CrossCheck, Incresponds 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

Revdex.com Complaint Number [redacted] Complaint by [redacted] - [redacted] CrossCheck, Incresponds to [redacted] rebuttal.CrossCheck's Customer Service Department does not record telephone calls, however, CrossCheck's position is that Mr [redacted] , [redacted] and [redacted] all know what transpired during their telephone conversations with CrossCheck representatives concerning the serviceAs 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 themAs 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 writingIn its complaint, [redacted] acknowledges that it actively used the check service and says it processed over $25,in checks in an month period (the correct amount is actually $46,in processed checks since December 2014), however, [redacted] continues to be silent on the fact that CrossCheck has paid it over $8,in claimsCrossCheck again confirms that [redacted] accounts were canceled effective August 15, 2015, which was days after receipt of the cancellation requestIn 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 returnedThese terms are expressly set forth in [redacted] Service Agreement and Loaner Equipment Agreement

Initial Business Response / [redacted] (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, On August 20, 2007, CrossCheck, Incand New Orleans Laptop entered into a written agreement for check approval service through a CrossCheck partner, RBS LynkSubsequently, on January 2, CrossCheck sent New Orleans Laptop an updated Service Agreement to the address listed on the complaintNew 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 noticeSuch 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 noticeNew 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 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 7, CrossCheck received written notice of cancellation from New Orleans LaptopNew Orleans Laptop requested the cancellation be effective on January 1, 2016, which was not at least thirty days prior to the expiration of the termThereafter, CrossCheck closed the account as requested by New Orleans LaptopBecause the Service Agreement was cancelled prior to the end of the term of the agreement, a $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 $CrossCheck considers the account to be closed CrossCheck hopes this addresses New Orleans Laptop's complaint is a satisfactory manner Initial Consumer Rebuttal / [redacted] (2000, 12, 2016/01/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I'm fine with the fee being wavedBut just let it be remembered that I didn't receive anything from you guys for yearsLooked 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-statementBut I do thank you for your response and satisfactory solution

Initial Business Response / [redacted] (1000, 5, 2015/12/04) */ Revdex.com Complaint Number XXXXXXXX Complaint by [redacted] dba [redacted] CrossCheck, Incis in receipt of the above-referenced complaint dated November 23, CrossCheck, Incand [redacted] entered into an agreement for check approval services on July 13, 2015, through a CrossCheck partner, AmeriBanc NationalOn July 14, CrossCheck sent [redacted] via Federal Express, point-of-sale equipment which allowed [redacted] to utilize CrossCheck's servicesCrossCheck received confirmation that the equipment was delivered on July 16, 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 timeThese 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, Neither Mr [redacted] nor anyone from [redacted] ever followed up on the numerous calls or to letters from CrossCheck to complete the trainingAs a result, CrossCheck terminated its Service Agreement with [redacted] effective October 12, After the Service Agreement was cancelled, on October 15, 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 AgreementAfter the cost of the equipment had been charged to [redacted] , on November 9, CrossCheck received the loaner equipment back [redacted] , however, it was missing the data cableOn November 25, 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