Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing issue -- Complaint #18192459
Complaint Overview
Complaint ID: 18192459
Company: Crosspoint Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-Issue: Problem with personal statement of dispute
State: Texas
ZIP Code: 75703
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What happened : After a court judgment was already entered, CrossPointe XXXX XXXX contacted me directly through an informal SMS text message from representative XXXX XXXX. The message stated : XXXX XXXX I have adjusted your account to the balance owed according to the judgement of {$1000.00}. Please let me know payment plans when you have them. Thank you. XXXX XXXX CrossPointe XXXX XXXX Reply STOP to unsubscribe. This communication is improper, misleading, and outside the legal process required for post-judgment matters. The company : Attempted to solicit a payment plan outside of court channels Claimed to have adjusted my account, implying modification of financial records without authorization Used marketing-style unsubscribe language, which is not appropriate for legal or debt-related communication Contacted me directly and informally, bypassing proper court procedures Post-judgment collection attempts must follow court-approved processes, not text messages or internal account adjustments. This communication creates confusion, pressure, and violates standard post-judgment consumer protections.
Frequently Asked Questions
What is Complaint #18192459 about?
Complaint #18192459 was filed against Crosspoint Financial INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing issue. It was received by the CFPB on 2025-11-19T12:00:00-05:00.
How did Crosspoint Financial INC. respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Crosspoint Financial INC.?
Yes, visit the Crosspoint Financial INC. company profile at readthecomplaint.com/company/crosspoint-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.