Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Crosspoint Financial Inc.
State: TX

Complaint narrative:
CFPB Complaint Against : Crosspoint XXXX XXXX XXXX : Property Negligence / Financial Harm / Federal Non-Compliance What Happened : While living at an apartment managed by Crosspoint XXXX XXXX, I endured unresolved infrastructure issues that resulted in direct harm to my personal property and financial standing. The most severe of these involved unstable electrical output in my unit, which caused my XXXX internal power system to degrade despite responsible use and proper charging. The laptop remained plugged in using official XXXX accessories, yet power instability caused charging failure and nearly led to permanent data loss. I had to purchase a {$50.00} replacement charger and make a time-sensitive trip to XXXX just to preserve the device, which holds critical documentation tied to my legal and personal records. 

This damage occurred despite prior warnings. A XXXX risk report outlining safety concernsincluding faulty wiring, structural hazards, and fire riskswas prepared and effectively submitted through advisory conversations supported by real-time logs from my XXXX XXXX XXXX security system . Crosspoint took no action to inspect or resolve these issues, nor did they respond to multiple federal CFPB filings already lodged against them. These complaints remain open and unanswered. 

Even in the face of federal inaction, I took further steps : I brought Crosspoint to county court and won. Crosspoint never acknowledged any CFPB complaint history during the court process, despite having full knowledge of the active federal complaints. After only two months of tenancy, they tried to hold me responsible for {$1000.00} in alleged property damages and court feesdespite their own negligence being the root cause of the property instability. I expect these charges to be formally dismissed and my name cleared of any Crosspoint-generated damages.

This pattern reveals a deeper systemic issue : Crosspoint ignored federal oversight, failed to address tenant-submitted infrastructure warnings, and attempted to offload blame on me after I had already left the unit and succeeded in a legal judgment. Their conduct not only endangered my health and safetyit imposed financial and emotional strain that no consumer should endure in their own home.

Whats a Fair Resolution : 1. Immediate dismissal of the {$1000.00} property damage and court fee claims. 
2. Full reimbursement of the {$50.00} XXXX charger, plus travel, time, and repair-related costs tied to the device recovery. 
3. Formal acknowledgment that multiple CFPB complaints were submitted and ignored by Crosspoint prior to court.

4. Written admission that the 25-point property warning was accurate and neglected.

5. Investigation into Crosspoints failure to respond to federal complaints and consumer harm escalation.

6. Consumer record correction clearing me of any fault associated with Crosspoint Managements internal records or legal filings.

Company response to consumer: Untimely response