Consumer complaint received 2019-03-10
Company: CrossCheck, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is XXXX XXXX, I am the XXXX and XXXX of XXXX XXXX & XXXX XXXX XXXX in XXXX Georgia. I was referred to CFPB by the XXXX in California. 
My complaint is against Cross Check Inc. Although this is a very detailed complaint, I am asking that Cross Check return XXXX with interest immediately to XXXX XXXX & XXXX XXXX XXXX. 

I will to cover the most important information involved in this complaint. In XXXX of XXXX, I requested an investigation of my business account named XXXX XXXX & XXXX XXXX XXXX with XXXX XXXX XXXX, my banking institution of over 20 years. It was discovered that Cross Check was illegally and fraudulently over debiting my account for a gross19 years. The discovery was confirmed in XXXX of XXXX that Cross Check replicated, used the exact same company identification number as well as the exact same source identification code of my chosen merchant processing company to fraudulently debit money from my account. 

This Scam went on for years undetected because Cross Check, in addition to using the important banking information of my chosen merchant processing company, they also used unidentifiable information, so that neither my bank nor I would discover them. This scam made it appear that my chosen merchant processing company was over debiting my account. I have only used two merchant companies in 18 years, this also made it difficult to detect that Cross Check was fraudulently debiting my account. 
XXXX XXXX XXXX is ready and willing to offer the findings from an investigation of my account at my request. 
I have reached out to Cross Check on numerous occasions to get them to return these funds to XXXX XXXX & XXXX XXXX XXXX immediately, they have refused, but tried to offer me a small percentage of the XXXX they illegally and fraudulently debited from my account. 
It was explained to Cross Check that my company did not have a check acceptance policy, however, on the rare occasions that I received a check, it was processed through my own merchant processing company and my bank. Cross Check claims that they have processed 17 checks for XXXX XXXX. This is false, and misleading, if Cross Check processed any checks after XXXX, they did so without my knowledge or my consent, or a contractual agreement giving them permission to do so past XXXX. 
Cross Check contacted my company in XXXX of XXXX, one check was processed with Cross Check with permission. This was determined at this time that XXXX XXXX & XXXX XXXX XXXX did not want to have a relationship with Cross Check. I have not had a relationship with Cross Check past XXXX. 
I have never had a phone call, or conversation with Cross Check in 19 years. 
I have never gotten a message or any form of communication from Cross Check in 19 years to evidence a continued relationship. 
I have never received any US Postal mail, Certified, mail, deliveries of any sort ever. 
I have never ever received a kit of any kind, as they claimed. If that were true, I would have contacted Cross Check myself in XXXX. 
My address, email address, and phone & fax numbers have been the same for 20 years. 
XXXX XXXX/ XXXX XXXX & XXXX XXXX XXXX has not signed any kind of contract or agreement giving Cross Check consent or permission to debit my account past XXXX, nor I have I had any type of communication with Cross Check past XXXX to evidence a business relationship past XXXX. Cross Check maliciously and deceitfully continued debiting my account year in year out because they knew they were not being detected. This is illegal, fraudulent, bank fraud, unscrupulous business practices and a Complete Scam. 
I am asking for the full XXXX, plus the interest on the XXXX that was illegally and fraudulently debited from my account returned to XXXX XXXX & XXXX XXXX XXXX immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation