Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/19/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My card was hacked and the above amount charged to me. I did receive product, i didn't order and tried to return it. The agent said to keep the product and they would issue a refund which i have never received. This began in January 25 and this is April 19, 2025 and nothing has arrived as of yet. I keep calling and always informed that it has been issued or it is on the way. As of this date I have never received anything. No e-mail conformation, no phone calls, all were promised but I have never received anything. This is after several calls since January.

  Business Response

  Date: 04/21/2025

  Hello ******,
   
  We have checked our systems using your email ********************************* and we do not see we have had any communications with you nor do you have any pending payments in our system. We are a payment processor and we do not sell any products or issue any refunds for products. You will need to contact the sender of your payment as it appears they have yet to issue any payments for you through Checkbook. 
   
  Warm regards,

• Initial Complaint

  Date:04/09/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Signing up with checkbook.io is one experience no serious business should have to encounter. I was initially caught with their false $2,000 transaction limit as a free user which would have been sufficient for my business as we normally don't do more than that daily. After sending a $2 payment, my limit was disabled and i was forced to proceed with the limit increase procedures. They have not responded to me since Monday 7th of April even though i started this limit increase procedure last week. I wonder what type of business keeps you in the dark with no reasonable response if you ever even get a response. This is one service i would never recommend.

  Business Response

  Date: 04/21/2025

  Dear Mr. ******************** you for taking the time to share your feedback.
  
  We also appreciate your patience while we corresponded during the verification process. It is important that we complete the verification process entirely in order to ensure Checkbooks and your financial safety. Unfortunately we were unable to successfully complete the verification process for you so your account will remain disabled for this time. 
  
  If you ever have any questions or if there is anything we can do for you please do not hesitate to contact Checkbook Support at ******************** and we will be here to assist you.
  
  Warm regards,
  
  

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23183971
  
  I am rejecting this response because:

   

  the falsehood of this business is appalling. I have requested that my account be deleted as they did not correspond in any way. All efforts to reach out to them was futile. They are not straightforward.
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 04/21/2025

  We have sent multiple emails to this user confirming their account has been deleted. We were unable to successfully verify this user which is why their account was not reinstated. 
  
  Warm regards,

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23183971
  
  I am rejecting this response because:

  your reply to BBB is a horrible lie. As a matter of fact, i am the one who has been sending numerous emails asking for a resolve. After realizing i might not get a response , i proceeded to request my account be deleted on the 19th of April as against what your reply here is. By the way, you do not need to respond to this, we have no business anymore. 

  
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom It May Concern,I am filing this formal complaint against Checkbook.io due to their unacceptable handling of my account and the mishandling of a $2,000 payment that I attempted to send through their platform.After initiating a check payment of $2,000 via Checkbook.io, I was immediately locked out of my account. I followed their instructions and submitted all required documentation to verify my identity and regain access, yet I was repeatedly asked to resend the same documents without explanation or resolution. Despite complying multiple times, I have been denied access to my account and have received no meaningful support or accountability.This experience has been not only frustrating but professionally damaging. I run a legitimate business and rely on timely, secure, and transparent payment processing. Because of this situation, *** had to contact my bank to request a stop payment on the transaction to prevent further ******* of today, I demand the following actions:1.Immediate suspension and permanent deactivation of my ***************** confirmation that no funds will be withdrawn or issued from my account moving *********** full explanation of why access was denied and why your support team failed to assist in resolving a basic account access issue.This is unacceptable behavior for any financial services platform. If I do not receive a satisfactory resolution, I will escalate this matter to the ************************************ (****) and explore all legal remedies available to recover any lost funds or damages.

  Business Response

  Date: 04/10/2025

  Dear Ms. ********************** you for taking the time to share your feedback here.
  
  Anytime a Checkbook account is disabled it is done for Checkbook and Checkbooks customers protection. We always want to ensure legitimate and verified transactions are occurring within Checkbook. Our recommendation is to request a limit increase through Checkbook before initiating payments. We were unable to reinstate your Checkbook account based on the information you provided, and we do see you were not debited for the $2000 payment created as it was held before any processing could begin. At this time you are not approved to send payments through Checkbook and your account has been disabled.
  
  If you have any questions or if there is anything we can do for you please contact Checkbook Support at ******************** and we will be here to assist you.
  
  
  Warm regards,
  

• Initial Complaint

  Date:02/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for checkbook.io on February 14, 2025 and provided my bank account and routing numbers for verification. That evening the test transactions posted to my account successfully. When logging back in to my account the following morning, I was presented with the error: "Your account is temporarily disabled for your protection and Checkbooks. Please contact support for assistance."Checkbook.io took my banking details, verified them, and then immediately locked me out of their platform such that I can no longer utilize their service, nor remove my account and routing numbers or revoke consent to store/utilize this information. They now have sensitive payment details granting them access to my checking account, while preventing me from managing the the storage and utilization thereof. Attempts to reach their support contact have gone unanswered.

  Business Response

  Date: 02/21/2025

  Hello Mr. ********************** you for reaching out and sharing your feedback.  We initially attempted to contact you via email at ******************************* but the email was not able to be sent because our email provider understood this as an invalid email.  We do not have any emails from ******************************* to ******************** nor do we see any reference of your name in our Support que. 
  
  Please email us at ******************** and we will be able to assist you with the verification process. If you attempt to login to your Checkbook account you will be able to receive payments, but not send payments until you complete the verification process. This is done for Checkbook's and your security. 
  
  If you have any questions or if we can do anything for you please contact us at ********************
  
  Warm regards,

  Customer Answer

  Date: 02/21/2025

   
  Complaint: 22969972
  
  I am rejecting this response because: I also contacted support via ***************** on Tuesday, referencing the e-mail sent from *********************** Further, I attempted calling the support number listed on your website **************) however calls to this number did not go through stating it was not a routable number.

  Attached are copies of both e-mails. If @********* is not an acceptable e-mail domain per your provider, please inform your provider that this domain is a valid forwarding service and is managed by a privacy company ******** (formerly *****). In the interim, if this is a blocker, the pertinent Checkbook account can be updated to use ************************************
  

  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 02/24/2025

  Hello, 
  
  We have searched through our inbox and cannot find an email from this user. We have just reached out to them via their newly provided email. 
  
  Warm regards,

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22969972
  
  I have replied to the e-mail sent to my gmail address, twice, and have not received a response. I likewise sent a follow-up from the original address I signed up with, as requested, which has also gone unanswered. At this point I'm just waiting for my payment quota to be approved so I can actually transact with a vendor through this platform, however that seems to be stalled and contacting support seems to be impossible outside of BBB correspondence... It shouldn't take multiple escalations through BBB to get through all of this red tape to enable an account to send payments, and Checkbook shouldn't be looking to collect sensitive payment information if they're going to just hold it hostage behind a suspended account, null transaction quota, and dead support queue.

  I hope this is an issue with Checkbook's Zendesk integration rather than the company itself... In any case, this is a terrible customer experience and I would really like to see this resolved.
  
  
  Sincerely,
  ***** ********

  Business Response

  Date: 02/27/2025

  We have responded to Mr. ********** two email addresses ******************************* and ************************** multiple times without a response.  We have made it clear on our communication to Mr. ******** on both email threads that his Checkbook account has not been approved to send payments on Checkbook. The account is enabled to receive payments from approved senders. If Mr. ******** ever wishes to have his account disabled please send a request to ********************************
  
  Warm regards,

  Customer Answer

  Date: 02/28/2025

   
  Complaint: 22969972
  
  I am rejecting this response because: As stated, I have replied to all support e-mails in addition to starting my own unanswered support thread. I can't fathom why they aren't being received, but that is of no fault of my own. Certainly ****** mail would be a suitable e-mail provider... I have done everything requested to set up my account, verify banking details, and verify my identity on your platform to request an outbound payment quota. Checkbook is not holding up their end of the terms of service as quoted: "Subject to the terms and conditions of this Agreement, Checkbook agrees to act as your payments processor for ACH and/or Check21 debit, credit and return transactions (Transactions) originated or received on your behalf."

  I don't understand why there is so much friction to simply transact with a vendor that utilizes Checkbook as their payment processor. I suppose I have no option but to look elsewhere and inform this third party that their payment processor is denying service. Unfortunately, since I am clearly unwelcome to use this platform for no stated reason, I must request my account and associated data (specifically my bank account and routing numbers, as well as the state ID photo submitted) be deleted. Consider this my formal request for deletion, since I'm unable to contact Checkbook's support channels via multiple e-mail providers or phone.

  
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 03/03/2025

  Dear Mr. ********************** you for taking the time to share your feedback here.
  
  Anytime a Checkbook account is disabled it is done for Checkbook and Checkbooks customers protection. We always want to ensure legitimate and verified transactions are occurring within Checkbook. We were unable to reinstate your Checkbook account, and per your request your account has been deactivated. If you have any questions or if there is anything we can do for you please contact Checkbook Support at ******************************** and we will be here to assist you.
  
  Warm regards,

  Customer Answer

  Date: 03/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:02/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They will not verify the checks issued and now ********* closed my account to to fraud they wont answer or verify i dont knwo what to do if you issue check you need to verify Better Business Bureau of New York Case # ******** Is linked with *********

  Business Response

  Date: 02/13/2025

  Hello,
  
  My name is **** ******* and I am the Director of Customer Support and Payment Operations at Checkbook.
  
  Checkbook's customer sent Mr. ***** two checks through Checkbook. Mr. ******************** his checks into his bank account without endorsing the checks. He then reported that his bank did not accept the checks. **************** then put a freeze on his bank account and communicated to him they were closing his account and would be sending him a cashiers check for the funds in his account. Checkbook does not know what ************** has occurred on **************** account that would cause his bank to be suspicious of his account.
  
  Checkbook has called **************** at his request and verified the checks which may allow Mr. ************* proceed with possibly reinstating his account, this is at his bank's discretion.
  
  At this time these two checks have successfully settled and **************** has the funds which they may release to him as they proceed with the verification process. I have personally emailed with Mr. ************* discuss this situation and resolution.  If there is anything else we can do to assist please do not hesitate to let us know.
  
  Warm regards,

  Customer Answer

  Date: 02/27/2025

  Citi bank needs checkbook to verify the check checkbook says they did but citi bank says it was from unverified number? So they need checkbook to call them and verify the check.

   

  Business Response

  Date: 03/03/2025

  ******** had closed **************** account regardless of if Checkbook verified the checks or not. Checkbook has called ********* multiple times to discuss Mr. ******* case and assist however we can, including verifying the two checks he was sent. We cannot speculate why ******** has closed Mr. ******* account, but we have spoke with ******** to verify the checks that have been sent to Mr. ********************** we can assist in anyway further please let us know. 
  
  Warm regards, 

  Customer Answer

  Date: 03/03/2025

   
  Complaint: 22929071

  *************************** Case # ******** Is linked with citi bank
  
  I am rejecting this response because:
  They are saying the number you called from was unverifiable. If you could call the executive office and speak with ***** I think she will be able to settle this.

  
  Citi Executive Response Unit # **************
  
  Citi Inquiry - 202501231718050603536
  
  Option 3 ask for Terry 
  2 minute phone call can settle this

   

  
  Sincerely,
  
  *********** *****

  Business Response

  Date: 03/04/2025

  We have previously already done what is being requested. We called from a verified number, ******** has confirmed this.  At this time we have gone above and beyond to assist Mr. ***** with ********* investigation into his bank account and we will consider this matter closed. 

  Customer Answer

  Date: 03/06/2025

   
  Complaint: 22929071
  
  I am rejecting this response because:

  ***** is saying the number was not verifiable I just got off the phone with her not sure what we can do it is 3/6 1:05 pm , she said she did talk to you but the phone number is unverified 

  Citi Executive Response Unit # ************** ext 0398764

  Citi Inquiry - 202501231718050603536

  
  Sincerely,
  
  *********** *****

  Business Response

  Date: 03/12/2025

  Checkbook spoke to ******** on March 3, 2025 and ******** had confirmed Checkbook was calling from a verified phone number and that Checkbook had done all we could to assist Mr. ***** with his case. Any further communication can be sent to ********************* At this time Checkbook will consider this matter closed. 
  
  Warm regards,

  Customer Answer

  Date: 03/13/2025

   
  Complaint: 22929071
  
  I am rejecting this response because:
  
  10:55 am 3/13/25 

  Just got off the phone with *****, she is still indicating that the number from checkbook.io is unverified and they will not release my money due to this. At this point is there a way to charge back these payments and reissue them? They are holding my money telling me your number is not verified 

   

   

  
  Sincerely,
  
  *********** *****

• Initial Complaint

  Date:02/06/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I rented my timeshare out through *********** and have waited 8 months for payment once the renter occupied it. ******* uses Checkbook.io as a payment processor. When I tried to provide my banking info on thier site, it wouldn't let me in. ******* says its between me and Checkbook.io because they already sent the money to them. 3 emails to ********************* 7 attempted chats through their website went unanswered for over a week. The phone number provided is a recorded message telling you to use the support email. They have $4851 of my money and I cannot get it nor will *********** intercede.

  Business Response

  Date: 02/06/2025

  Hello, 
  
  Thank you for reaching out and sharing your feedback here. Mr. *********** initially emailed Checkbook on February 5, 2025 and Checkbook responded back sharing instructions with them on how to deposit their payment as of February 6, 2025. We are here to assist Mr. *********** with depositing his payment if any further assistance is needed please respond to us at ******************************** 
  
  Warm regards, 

  Customer Answer

  Date: 02/07/2025

  Better Business Bureau:
  
  I have finally received a response from Checkbook.io and Redweek thanks to your reaching out to them.  They said they are going to release the check to my bank account but it has not yet happened. I would like to keep this complaint open untilthe check is received. This should be 2-3 days according to their response.

  Thank you.
  
  Sincerely,
  
  Paulanthony Jan

• Initial Complaint

  Date:02/03/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had settlement check sent to checkbook.io from ***** v ******************************* in the amount of $200 my bank returned since I cant deposit it into a savings account. They said they sent it back sometimes around 2/2/25.I tried to reach out to the company and no one calls back it just goes straight to an answering service.I want the payment to be available again so I can deposit it into my checking account.I need help with this ASAP. Thank you!

  Business Response

  Date: 02/05/2025

  Hello ***** *****, 
  
  Thank you for reaching out and sharing your feedback.  I searched your email address within our Support Email Inbox ********************** and was unable to find an email from you. We have just sent you an email from ******************** (see attached) with instructions on how to correctly redeposit your payment. If you have any questions or if we can do anything for you please let us know. 
  
  Warm regards,
  

• Initial Complaint

  Date:01/30/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is fraudulent and a scam, and they do not answer the phone. On 1/21/24, I received two checks through email from *********** for the **** **** petition referral program. Checkbook.io sent the checks.I deposited the checks via mobile deposit and my bank flagged the checks and CLOSED my account down saying the checks were fraudulent. When I tried to dispute this matter and explained that they are not fraud, ***** Fargo told me they require verification from Checkbook.io to prove the checks were legitimate. I sent over 30 detailed emails as well as attempted to call them. When you call them, it says no support agents are available. Leave your number and email and someone will get back to you and nobody ever calls you.All I needed them to do was call from a verified phone number and tell my bank the checks were legitimate. They couldnt even do that.What financial business does not operate using the phone? It makes no sense.When I finally do get an email back, it isnt helpful at all, and my support inquiry is closed and marked ************ bank is closing my account on 2/4/25 if I cant get the checks verified by then. My funds are being held by bank, and I will have to have my long awaited checks recalled and then re-issued if I cant get this done

  Business Response

  Date: 02/05/2025

  Hello,
  
  My name is **** ******* and I am the Director of Customer Support and Payment Operations at Checkbook.
  
  The ***************************** sent Mr. ******* two checks through Checkbook. Mr. ******* deposited his checks into his bank account and he reported that his bank initially did not accept the checks. Mr. ******* then endorsed the checks to his girlfriend and reattempted to mobile deposit them. ***************** then put a freeze on his bank account and communicated to him they were closing his account and would be sending him a cashiers check for the funds in his account. Checkbook does not know what ************** has occurred on ***************** account that would cause his bank to be suspicious of his account.
  
  Mr. ******* initially contacted Checkbook on January 21, 2025 at 3:38 pm pst and Checkbooks initial response was on January 22, 2025 at 10:53 am. We have been in communication with Mr. ******* since then. Checkbook has also called ***************** at his request and verified the checks which allowed Mr. ******* to proceed with possibly reinstating his account.
  
  The claims from Mr. ******* that Checkbook has not communicated with him are untrue. At this time these two checks have successfully settled and ***************** has the funds which they will release to him as they proceed with the verification process. I have personally emailed with Mr. ******* to discuss this situation and resolution.  If there is anything else we can do to assist please do not hesitate to let us know.
  
  Warm regards,
  
  

• Initial Complaint

  Date:01/08/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My check from ************ bought my computer and sent me $915.00 digital check I had them deposit in my checkbook virtual card account on 12/31/24. As soon as it was cleared checkbook disabled my account I have no way to get my money. I've sent email after email with pictures of my id with a selfie of myself along with bank statements and my account is still disabled I've been trying to get resolved but the last email I got was telling me to stop emailing them cause it was confusing the situation well I'm confused cause my account is still disabled and it's now 1/8/25 that's like 9 days now so what is the hold up I like to know

  Business Response

  Date: 01/14/2025

  Hello ********, 
  
  Thank you for taking the time to share your feedback here.
  
  We also appreciate your patience while we corresponded during the verification process to collect the correct documentation. It is important that we complete the verification process entirely in order to ensure Checkbooks and your financial safety. I see in our system that your account was re-enabled, you were able to deposit your payment and use your virtual card.
  
  If you ever have any questions or if there is anything we can do for you please do not hesitate to contact Checkbook Support at ******************** and we will be here to assist you.
  
  Warm regards,
  
  **** *******
  
  

• Initial Complaint

  Date:12/16/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an e check on December 11, 2024. As of December 17, 2024 this check STILL has not been deposited into my account. I am getting the feeling that this is not a reputable service. A deposit does not take this long.

  Business Response

  Date: 12/19/2024

  Hello ***** ****, 
  
  You were sent a payment through Checkbook for $239.80, which you deposited on 2024-12-11.  On the payment deposit page (which you screenshotted and shared with Checkbook via ********************* it states that you should see your funds by 2024-12-17.  This complaint was filed on 2024-12-16, which is one day before your funds would have been visible. If you do not see your funds in your receiving bank account please contact ******************** and we will be able to assist you. 
  
  Warm regards,

  Customer Answer

  Date: 12/19/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ****