Consumer complaint received 2023-05-28
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My company XXXX XXXX, XXXX did third-party work for XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. There are XXXX transactions out of approximately 10 that are the issue. XXXX XXXX was sent invoices which he paid with XXXX and cash app. XXXX in particular {$800.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX or pay through cash app. Both transactions were deposited directly to my XXXX business checking account on XX/XX/XXXX, approximately XXXX XXXX. I receive text messages stating XXXX XXXX filed a dispute with his bank claiming an authorized transactions, which intern reversed the payments out of my chase, checking account. XXXX was the {$800.00} transaction text alert, followed by the {$100.00} transaction text alert from cash app. I contacted Cash App immediately letting them know that these were authorized transactions by XXXX XXXX for the work that I did. I contacted XXXX XXXX via text and he responded by saying he didn't know what was going on. He was asleep. Naturally, I assumed someone hacked his account but after speaking with him a little bit further, the conversation became clear that XXXX was the one who falsely claimed to his bank that the payments were fraudulent. Luckily, cash app shut down XXXX XXXXXXXX XXXX cash app account for too many reverse payment disputes. At this time I began gathering all my evidence of the work, that I did, which included invoicing text messages between XXXX XXXX and myself where this became clearly a joke to him. XXXX XXXX went on to claim that a XXXX stole his phone that it had nothing to do with me or the work that I did. Yet he would not send back the funds that were reversed. I contacted XXXX  bank who did reverse the reversals. In a matter of approximately XXXX days the money was reversed back to XXXX XXXX. Reason being, according to XXXX, Cash App reported myself as the person who authorized the transactions. Cash app listed me as the person who sent the money. This is not true I received the money. Cash app, and my bank found in favor of the recipient of the money which would be me but unfortunately Cash App refuses to look at my claim, which included approximately XXXX pages of documentation proving this to be a scam. In fact, cash app never allowed me to file a dispute or a claim. Instead, they put me on hold and shut me down and would have automated responses stating if I want to talk about anything other than this subject, they would be more than happy to help me. I asked XXXX XXXX  to help me which they did help advocate but unfortunately, cash app will not fix their error in saying that I am the sender. XXXX XXXX sent me money for work. I received the money for the work that I did. So XXXX could not support me because of the false claim from Cash App that I was sender. I looked further into XXXX XXXX XXXX business online. And I was shocked to discover that he is a career scam artist who financially scams thousands and thousands of dollars from hundreds of families and individuals over XXXX decades. XXXX has an XXXX  with the XXXX  with too many complaints to list them all. They include XXXX being featured on the most wanted list in XXXX for financial crimes posing as a real estate agent all the way to approximately XXXX weeks ago, where he took {$18000.00} from a family that they saved to purchase a home with. He scammed them out of that as well. I provided all of this evidence that clearly he is a scam artist, and they still turned around and gave my money to the scammer XXXX XXXX. At this time the funds are sitting in limbo pending because Cash App shut down XXXX XXXXXXXX XXXX account and he can't receive the reversal All they needed to do was look at my case which they have not done nor did they allow me the right to file it with Them. This is a black and white common sense situation. Cash app has failed miserably. I'm protecting me as a consumer or allowing me the right to protect myself. XXXX has done nothing but Ree victimize me all over again. Cash app provided false information to XXXX XXXX, which prevented me in collecting from my claim from XXXX fraud department and they refuse to look at the situation. This is terribly wrong. I'm concerned about multiple transactions that XXXX XXXX could possibly still reverse on cash app so I had no choice but to disconnect my banking from cash app account. What prevents him from taking back all the rest. XXXX has said himself. I had nothing to do with us, but I did earn the money and he has stories about why this happened but all I know is that no one listened to the victim in this situation. It is unacceptable. I can provide all the documentation that I have attempted to provide to cash app. This is gone on for almost a month that I've dealt with this on a daily basis, only to be ignored and blown off and laughed at by a scam artist. {$900.00} is a lot of money for me and I will not stop until I recover it. I am asking for your assistance to force cash app to do the right thing by its consumer. I am in need of consumer financial protection because of cash app. Thank you for your time. 

I apologize for the loaded documents. There are so many and it's very difficult to upload. I hope that gives you an idea of what I'm dealing with. I will upload anything else you need in order to get the assistance i need. Please don't hesitate to reach out to me. 

XXXX XXXX.

Company response to consumer: Closed with explanation