Consumer complaint received 2023-01-25
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My first complaint is that CashApp deceptively refuses to provide an easy method to correct accounts which ARE NOT for business use so that they can collect fees to which they would not otherwise be entitled. 

My daughter, who is a XXXX, has a CashApp account which is set as a business account and she does not, nor has she ever used her CashApp for business payments.Her CashApp name is XXXX XXXX, her name is XXXX XXXX. 

We have known for some time that her account is set up as a business account AND have repeatedly requested information on how to change it to personal.The majority of what she received is from me and I have documented in the comments for what reason it was sent. 

The support agents at CashApp continually circumvent the question and DO NOT provide the steps requested. 

This has resulted in 2.75 % of any amount she received being taken of the top. Based on the amount listed on the 1099-K, CashApp has stolen approximately {$53.00} from her in XXXX. As she did not receive a 1099-K for XXXX, I do not have the total amount that CashApp skimmed from her account. 

My 2nd complaint is that CashApp disseminated by personl and confidential information to an account holder other than me, including my SSN. 

On XXXX, a 1099-K was received with my name and SSN to an account that is not mine. It was sent to my daughter. 
I am shown as the the payee and my SSN is listed as the TIN. My name and SSN were not used to create her CashApp account, nor am I listed on the bank account to which her account is tied. 
Therefore, the most pressing question is, " Where did CashApp obtain my SSN to place on the document? 
Next, why was this sent to my daughter as a 1099-K for her account? 

Her CashApp is XXXX XXXX My CashApp is XXXX XXXX I did not receive a 1099-K as I do not operate a business and I do not use CashApp for business purposes, I contacted CashApp support last night and I am attaching screenshots of the communication. 
This communicates the intial support agent 's circumvention of my question on how to change the account from business to personal. This typifies the standard runaround that is given when this question is posed. 

Next, when I ask inquire about why by PII was sent to another account holder, the support first asks me to hold a moment, then states " While I ; d be happy to help you with anything else, I'm unable to provide further info for this particular case. Thanks for understanding. '' I then ask again " How do you change a Cash App Business Account to a personal account? '' The agent again does not answer the question and states " Snce I can't provide any additional help, I'm going to go ahead and end the chat. '' The agent ended the chat while I was in the process of typing a response. 

As such, another agent entered the chat and finally provided information on how the account could be changed to personal. 

However, because I was not logged into my daughter 's account, I couldn't complete this task their suggestion was to have her attempt it from her account. 
We will do that. 

That aside, this is a violation of several federal regulations and must be addressed immediately. 
Additionally, I now have the added task of fighting the IRS so that I don't have to declare {$1900.00} of income I DID NOT RECEIVE.

Company response to consumer: Closed with explanation