Product: Money transfer, virtual currency, or money service

Good day After tried to communicate with Square , Inc and filing a XXXX complaint, I am now turing to the cfpb office for help. 
To make a long story short, I was scammed out of {$40.00} I was paying someone for babysitting services. I immediately contacted Cash app thought email to try and stop payment. To my amaze there is no way to cancel payments once the transaction has gone thought. No one at Cash app is willing to help or even show the polices and proceeds. There needs to be a way for users who are scammed to cancel payments like XXXX and all the other sites do. I believe this company is defrauding customers and they need to change their polices and proceeds. As you can tell the company doesn't care about their customers and they will not even respond to the XXXX. I'm hoping you can help in this matter. 
Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/2019 against Square, Inc.. Your complaint was assigned ID XXXX. 

The XXXX XXXX XXXX has made two attempts to contact the business regarding your complaint. We regret to inform you that we have not received a response at this time and this case has now been closed as an UNANSWERED complaint in their file. Because we are not a government agency, we can not force a business to respond. You may wish to contact your Attorney General or like agency. 

If the company has contacted you directly and resolved this complaint, please let us know immediately. Should we receive a resolution in the future, we will let you know The XXXX XXXX XXXX develops and maintains XXXX Business Profiles on companies across the United States and XXXX. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the business 's failure to promptly give attention to the matter will be reflected in the review we give to consumers about them. 

XXXX regrets that we were unable to assist you further and wishes you the best in your future efforts in resolving this matter. 

Sincerely, XXXX XXXX 
Disputes Resolution Specialist Phone : ( XXXX ) XXXX Hi XXXX, This is XXXX from Cash Support, thanks for reaching out. I understand your concern regarding this payment, and I am here to provide some insight regarding this! I've reviewed your account and I can confirm that this payment has been delivered to this person. To provide you with some context into this, Cash App is regrettably unable to cancel or refund completed payments. If you would like to recover your funds, please send a request to the recipient. To do so, enter the amount of the transaction on your Cash App home screen, tap Request, then fill in the To and For fields. Then tap Request again to complete the request. To learn more, please visit Cash App Terms of Service at https : //cash.app/legal/us/en-us/tos. If you have any additional questions or issues arise please don't hesitate to reach out! I'm here for you! All the best, XXXX Cash Support ref : XXXX : ref XXXX XXXX XXXX Sat , XX/XX/XXXX, XXXX XXXX  ( 11 days ago ) to Cash good afternoon mrs XXXX if you are unable to cancel my payment when I will have a full investigation done starting with my bank and the attorney general 's office or nc please let me know if that's the route you wish to take respectfully XXXX XXXX Cash Support Sat , XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Hi XXXX, XXXX here again, thanks for  emailing back. I understand that your funds are very important and although I'd love to help you to dispute this payment, Cash App is unable to refund or cancel completed payments. For future reference before sending a payment, we recommend that you : Only send funds to people you know Verify the recipients name before sending funds Double-check the spelling of $ Cashtags Double-check the recipients phone number I really wish there was more that I could do to have a better solution for this, but at this time you'd have to resolve this issue with the recipient of this payment directly. It is within your rights to seek legal advice or resolution outside of Cash App. 
I would like my {$40.00} back along with to see that Cash app changes there polices