Consumer complaint received 2023-09-14
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Cash app owed me a refund for a hotel booking and after I paid and got to the hotel XXXX XXXX in XXXX Texas, they lady at the front desk after taking my payment informed that the hole hotel had no hot water due to a problem with their hot water heaters so I told her she should have told me the before taking my payments and I told her I wasn't staying and pay XXXX for a hotel room for XXXX night and not being able to shower or take a cold shower so the lady immediately refunded my money but cash app did not put it back on my card and back to my balance and I called them the very next morning when they opened and after submitting a receipt to cash multiple times and calling every single day cash app kept telling me I had to wait 14 days and they couldn't speed up the process on refunded my money back to my account and on the 14 day I went to support chat and they refunded my money but the 2 night later with my card locked did a transaction for {$170.00} - {$69.00} - {$69.00} and took qnd said the merchant did the transaction but I know it wasn't XXXX XXXX because I was at a friend 's house and my card was locked and cash app says the 3 transaction happened on different days {$170.00} XX/XX/XXXX - and the XXXX {$69.00} - {$69.00} happened on XX/XX/XXXX when I know when all my money was taken out of my account and all XXXX transactions happened the same night and then cash app took the last XXXX dollars I had out of my account and had my account negative XXXX dollars when there is no way for me to be negative because cash app does not have overdraft and will not cover as much as a XXXX if im making a transaction and I'm short cash app only let 's u make transactions for the money u have in ur cash app account and if it's a XXXX short for what u are making the transaction for cash app declines the transaction for insufficient funds and not enough money to cover the transaction they don't spot u a XXXX more less say they covered an XXXX dollar hotel room for me that caused me to be negative and owning cash app {$69.00} dollars cash app stole my money from my account it was not the XXXX XXXX XXXX because there is no way possible because I keep my card locked for this reason im going through right now and anytime something trys to go through my account and its not me doing the transactions I get a notification through email and text messages and on my cash app transactions saying transaction got declined due to cash card being locked please unlock cash card and resubmit my transaction and the night my money got pulled out of my account looking XXXX XXXX XXXX did the transaction my cash card was locked like I keep it at all times so if it had XXXX XXXX XXXX the merchant they would have not been able to get any of my money because my cash card stays locked until I'm ready to pay for a transaction so again the only way possible for some XXXX to go in to my account with my cash card locked would be cash app itself and steal my money and how they can get away with stealing my money is what better way then make it look as if the merchant XXXX XXXX took the money out of my account and did all XXXX transactions on my account because there would be no way to prove cash app was the one that took every XXXX I had out of my account and then put me XXXX dollars negative so it wasn't good enough they had just stole XXXX out of my account they had to lie and say I owe them XXXX more dollars and put me negative and I have filled disputes on all XXXX transactions because I did not make them transactions but cash app keeps denying my disputes and if I wasn't the one that did thes transactions then some how someone else made these transactions so there is no reason why cash app keeps denying my disputes and with out sending me any information on why they were denying my dispute and I keep requesting that information but cash app has yet to give me any information on why they keep denying my dispute so something needs to be done with cash app and they should be closed down for good because they been stealing money out of my account and I have had money just disappeared out of my account since I started using them just not a lot of money like this time and it wasn't worth calling them every day and trying to get someone that cares enough to go in and see the truth for what cash app has been doing and like that still are doing cash app is a dishonest company that steals from anyone using their services they are crocks and theft

Company response to consumer: Closed with explanation