Consumer complaint received 2022-12-23
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
reference case XXXX for dates. Attached is cash apps first response to me along with my notes within it it pointing out that they are full of XXXX. What follows is a demand for the federal government to step up protect its people from things like this. Cash app is going to be held accountable for their theft from Americans. And the CFPB will be held accountable if they ignore it. It may seem like a small in itself but this is the tip the iceberg. Cash app and many other institutions are intentionally violating federal laws and stealing millions of dollars from Americans and the government. 


To whom it may concern, Cash app is and has flat out refused to follow federal regulations as they relate to regulation e and disputes for unauthorized transactions. Which in this case was the theft of money fro my account. 

They are required by LAW to cover funds that are stolen from my account provided i do what I am required to do as a consumer. 

1. I reported it the day found out this money was missing. Not a day later. Even though the dates of the transactions are a couple weeks from when I found out about it. Still within 60 days for sure. 

2. I informed you in writing, over the phone and through your app. All recorded by me via audio recording of my phone calls to you. Screen recordings of my interactions with you which are in the high hundreds. And receipts of the certified letters I mailed to you. All of which explained that these were unauthorized transactions. And i had zero knowledge of the transactions. 

According to federal regulations I have zero liability for these transactions based on these facts. Not only federal law but XXXX 's very own policy, XXXXXXXX XXXX policy and CashApps own policy. 

Cash app is 100 % knowingly denying disputes and they are committing felonies in the processes of doing so. Not only that that but they are contributing to the financial oppression of vast amount of Americans but also willfully participating in American rights violations by doing this. 

I demand that cashapp be thoroughly investigating for doing this on a missive scale, When it is found that they are doing this you will also find that they are submitting claims for these disputes and collecting money from the federal government as if they had done their part when they have not. Which would make them guilty of defrauding the federal government. 

Not only that but i happen to know for a fact that they are charging consumer fees for something tht does not exist. They are charging people fees for the expedited delivery of XXXX  which they do not have any control over on top of the transaction fee they charge. Not only that but they are collecting the money for these fees on the back-end after the transactions have been made so they avoid the taxes from their stolen money. All you have to do is look. I know the CFPB isn't going to do anything but I know you will get to the people that will. 
Not only are you stealing from the American people but you are stealing from the American Government and for that you will surely pay. 

Thanks again CashApp, XXXX

Company response to consumer: Closed with explanation