Consumer complaint received 2020-12-28
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Report of the Theft of {$2000.00} from my XXXX Interest Checking Account using Cash App ( Square ) Notification of Cyber-Fraud and Cyber-Theft on my XXXX Interest Checking Ending in XXXX  The Complainant : I am Ms. XXXX and I live in XXXX Maryland. I have a XXXX interest checking account ( ACCOUNT ) and a Cash App ( Square ) account which I opened on or about XX/XX/2020. My cash app ( Square ) is linked to my ACCOUNT using my debit card. Mr. XXXX, my father, is a joint owner of my ACCOUNT and is jointly writing this notification and report of fraudulent activity and the theft of {$2000.00} from our checking account by the cash app ( Square ). 

Cash App ( Square ) : I have never used the Cash App ( Square ) or authorized Cash App ( Square ) to make any withdrawals from my XXXX Interest account or any account where I have control. 
The Fraud and Theft of {$2000.00} : On the evening of XX/XX/2020, I noticed there was an unauthorized withdrawal of {$2000.00} from my ACCOUNT. Online access to my ACCOUNT shows this withdrawal is dated XX/XX/2020. This withdrawal is marked as PENDING and the monies have already been deducted from my balance. My ACCOUNT shows that on XX/XX/2020 Cash App ( Square ) pinged my interest savings account for {$0.00}, then immediately an unauthorized withdrawal of {$2000.00} was made. The ACCOUNT shows no indication of who received these funds other than they were removed by Cash App. The entry on my ACCOUNT bank statement only indicates a phone number XXXX CA. I believe this is the phone number is for Cash App ( Square ) and this theft was done via cash app ( Square ). 

Reporting This Fraud and Theft to XXXX : At approximately XXXX XXXX  on XX/XX/2020 I contacted XXXX by phone to report this unauthorized withdrawal. I provided the circumstances of this fraud in my ACCOUNT as I outlined above. I was given the reference number XXXX  by XXXX. The XXXX representative indicated XXXX fraud department would attempt to contact the vender. 


Reporting to Cash App ( Square ) This Fraud and Theft of {$2000.00} : There is no customer service at Cash App ( Square ) to call in connection to this Fraud and Theft of {$2000.00}. I immediately attempted to cancel this unauthorized {$2000.00} cash app ( Square ) transaction using the cash app cancel a payment option. Cash App ( Square ) provides no indication of who has received these monies. I attempted to cancel this fraudulent activity using the only cash app ( Square ) mechanism available which is an email. As of XX/XX/2020, I have not received any response from cash app ( Square ). At no time did I speak to any representative of cash app, I have never disclosed any of my cash app ( Square ) information to a third party, my phone is lock protected and has never left my possession. 

Reporting This Fraud and Theft to the Police I am in the process of reporting this theft to the XXXX County Police, Maryland. I also plan to report to the Maryland State Police and the Cyber Crime Unit at the FBI. 

Reporting to the Regulatory Agencies I am reporting this fraud and theft of {$2000.00} to the Federal Trade Commission ( FTC ), the CFPB, the SEC because Square is a public company and to all state and federal banking regulators. 

Status of this Fraud and Theft At this time my money, {$2000.00}, remains unaccounted for by cash app ( Square ) and has not been returned to me.

Company response to consumer: Closed with explanation