Total CFPB complaints
18
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 18 complaints
CrossCheck, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CrossCheck, Inc.
- False statements or representation
False statements or representation
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Communication tactics
Communication tactics
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 70.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about CrossCheck, Inc.?
CrossCheck, Inc. has accumulated 18 total CFPB complaints across 9 states, with 3 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 9 states, led by Texas with 4 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.3/100 places CrossCheck, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
16.7% of total history
Falling ↓
States active
9
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
B
70.3/100 composite
Response-quality profile
How CrossCheck, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does CrossCheck, Inc. compare to its peers?
CrossCheck, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-01 2025-12
Top Consumer Issues
Attempts to collect debt not owed2 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action3 (%)
False statements or representation4 (%)
Communication tactics3 (%)
Disclosure verification of debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
Where do complaints against CrossCheck, Inc. come from?
The states where consumers have filed the most CFPB complaints against CrossCheck, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CrossCheck, Inc.
Across 9 states with at least one filing
- Texas
Texas
4 complaints
- California
California
3 complaints
- Florida
Florida
2 complaints
- Louisiana
Louisiana
2 complaints
- Arizona
Arizona
2 complaints
- Puerto Rico 1
Puerto Rico
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
What is the most common complaint against CrossCheck, Inc.? ▼
The most common issue consumers report about CrossCheck, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 18 complaints filed with the CFPB.
Are complaints against CrossCheck, Inc. increasing or decreasing? ▼
Complaints against CrossCheck, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is CrossCheck, Inc.'s reputation grade? ▼
CrossCheck, Inc. has a reputation grade of B (score: 70.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does CrossCheck, Inc. respond to consumer complaints? ▼
CrossCheck, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does CrossCheck, Inc. operate? ▼
CrossCheck, Inc. has received CFPB complaints from consumers in 9 states, with the most complaints from Texas (4 complaints).
What can I do if CrossCheck, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CrossCheck, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |