Consumer complaint received 2023-11-26
Company: Block, Inc.
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase through an ad that was on XXXX for a XXXX XXXX XXXX XXXX XXXX hours after payment said company sent me a email stating the XXXX  would be shipped to my home. 
This is not legal in any state and is a violation of federal law. 
Immediately I contacted the seller who has a documented past of fraud. Cash app denied my dispute 5 times now Only replying that is was authorized. 
Yes I attempted to make this purchase In doing so I had the XXXX guarantee of assurance that all transactions are guaranteed not only from fraud but from quality and satisfaction of product. I have worked over 3 months trying to resolve this dispute. 
Cash app has taken action against me in retaliation for not allowing then to deceive their customers with a XXXX  guarantee that is not honored. I paid for a product and received nothing The site I attempted to purchase from has multiple whistleblowers on XXXX I made cash app aware of this illegal scam and the source of my findings To my knowledge made no attempts to even validate the claim The only piece of information they did early on provide was Im guessing the transaction receipt. 
There is. Is not a way possible for them to validate the purchase or receipt of the purchase I provided them all the Emails between me and the fraudulent entity The next step they took was to restrict my account and declined all transactions. 
Only to charge me a fee to transfer the funds to my personal account. 
They refused over and over to give me transparency or access to my account information or the reason for the declined transactions. 
Telling me that my account was restricted but not providing the source or copy of where that information was obtained They are bound to the XXXX  trademark in any situation as they represent and falsely use this XXXX  guarantee to push transactions with no consumer protection and no information to support their decision or any documentation to back their actions. They have a generic chat that each time I requested my account information it was denied and another generic response that they had no further information available and was closing the case.

As I stated I reopened 5 times only to be denied access to my information requested. I reached out through voice call and they refused to discuss my account as in stated I was recording as is stated they record for quality assurance I live in Arkansas which is a one party consensual state and I was with in my right to record They refused to give any of the information as I was recording to only have them responsible for any violations of FDIC regulations and XXXX  customer guarantee. This got me nowhere Moving forward when I would initiate the dispute They started sending me a message instead of the. Information I requested to call. I can screen shot the chat and have their refusals but knew Id get no as before in the actual phone call. 
Ive tried and tried to get them to explain where and how they came to the conclusion it was a legitimate transaction. 
Once they knew they had electrically funded this illegal transaction of fre arms sales They took an aggressive disposition and made internal changes to MY account while refusing to provide the information that substantiates their action motive or resolve. 
They denied refused and closed dispute after dispute. 
This is NOT acceptable. I dont even came about the money refund I care about their blatant refusal to be transparent and have access to my personal information regarding the account of XXXX. They would not provide me any assistance in resolution. 
This is not acceptable and is in no way regarding my interest or position account holders funds secure or even protected Besides this complaint I have filed a lawsuit in the state of XXXX XXXX of XXXX  In their inability to assist resolve or care about the consumer whos transactions the represent as XXXX  guarantee.

Company response to consumer: Closed with explanation