Consumer complaint received 2021-04-15
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As per records shown on my XXXX  XXXX XXXX XXXX checking account, on a XXXX  XX/XX/XXXX an unknown person to me, someone supposedly called XXXX WEAKLY used Cash App to send me {$600.00}. Upon checking my checking account, I thought it had been a big mistake XXXX poor person ) and decided at that moment to send the money back to her. But, first I waited for some communication from her since that was so strange! 

Then, the same day she communicated through Cash App that she wanted the money back and I was ready to send it to her. After all it was not my money. And so, I did send the {$600.00} back to her using Cash App as per XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX. For me " all was well, and I was happy that I had helped someone fix a financial mistake and recover her money ''. Not so fast ... 

On XX/XX/XXXX ( one month from the date of that occurrence ) upon checking my XXXX  XXXX XXXX account in the morning, I saw that {$600.00} was being processed in favor of XXXX WEAKLY ( this time as a recurring payment! ). I immediately called XXXX XXXX  XXXX to alert them XXXX there was nothing I could do to stop it because it was still processing ). The XXXX XXXXepresentative saw what had occurred in XXXX because we talked about it, and now it was the opposite. XXXX XXXX was taking money from me. I never heard of her, has never done any business with her, and have no idea of her existence until that moment. 

XXXX XXXXXXXX XXXX representative told me not to worry that they were going to credit my account with that amount and were going to start an investigation. They did credit my account and I waited for the result of their investigation. Assuming that everything was going well, I waited. Then on XX/XX/XXXX upon checking my personal checking account in the morning I see that XXXX XXXX  XXXX reversed and took back the {$600.00} and my account was negative alleging that I purposefully sent the {$600.00} to that person on XX/XX/XXXX! I couldn't believe my ears! 

I called the claims department many times in trying to argue the point of my innocence in all this and offered to help and helped them in all the ways I could including contact and emails with the FBI, and reporting it to the site IC3.gov. 

When I realized that XXXX XXXX XXXXXXXX denied my claim, I went after Cash App calling them many, many times only to hear the same almost recorded message that we are sorry that that happened to you but there is nothing we can do because now it has been over 90 days. And then advised me to go back to Cash app and request the {$600.00} back from XXXX XXXX  which I tried but that name is nowhere to be found in Cash App. Very strange! 

I waited and waited for a favorable solution from either XXXX XXXX XXXX XXXX who did not dispute it the right way, but filed as fraud XXXX or Cash App, but neither company cared enough to do something about it. 

Cash App processes have to be fixed. Had I received a message from Cash App saying " XXXX XXXX  is sending you {$600.00}, do you know this person? '' I would have said NO and it would have been the end of the story. No one had to waste so much time on this scam. 

Recently I found out from Cash App that the so called XXXX XXXX  asked for the money back on that weekend and quickly disputed the transaction with her bank ( no idea which one ). And it seems that that has prevented me from getting my money back! 

Both XXXX XXXX XXXX and Cash App have failed to protect me as their client. And so I need your help because it might be possible that XXXX XXXX is doing this to other innocent victims. Any good person that believes in doing the right thing. GOOD has to WIN over evil.

Company response to consumer: Closed with explanation