Consumer complaint received 2022-01-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
YOU ARE BREAKING THE LAW AND I AM GOING TO SEEK ARBITRATION TO RESOLVE THIS CLAIM. this is not a duplicate complaint. they did not resolve the complaint in a way that was favorable to me the consumer. I have in fact been treated unfairly and discriminated against by cash app block or square whatever they go as. 

im writing this complaint in regards to a response I received from block/square cashapp. I was a victim of phishing and identity theft, I have been getting these emails from cash app requiring me to do something to my account but when I opened the email they hacked my account. I informed cash app of this and I also read their guidelines for unauthorized transactions. They wrote me back accusing me the consumer of giving my information to someone which I did not. They are directly blaming me, discriminating against me and damaging my character/reputation. No results from this investigation was forwarded to me but they said they refuse to refund me my money because I gave my information out. This is a XXXX lie. why is this company lying on me? they took the time to lie and assassinate my character by calling me a liar. why would I go through the trouble of filing a complaint if I voluntarily gave someone my information. they are not even following the rules set up on this app I will inform my familyy friends and colleagues about the outrageous response I received when trying to address a fraudulent transaction. I will also post this on many blogs to inform and warn other of the abusive practices cash app has and encourage them to no long do business with them. They have discriminated against me, ignored my disputes and refused to return me any of my money. at first they lied and said the money didn't come from my cash app account. now in their. response they said it did and that I sent it? can they prove this? I am asking for someone to thoroughly investigate this matter. I intend on taking this matter to Arbitration so we can settle this claim if we can not reach a settlement that I agree with. 

here are the rules on their website Tell us AT ONCE if you believe your XXXX XXXX ( including your card numbers ) has been lost or stolen, or if an electronic fund transfer has been made by logging in to your Account without your permission ( an Unauthorized Transaction ). 

You may contact us through the Support tab of Cash App as described in the Error and Dispute Resolution section above, by calling XXXX, or by writing to us at XXXX XXXX XXXX, Attn : Cash Disputes, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

If you tell us within 2 business days ( Monday through Friday, holidays not included ) after you learn of an Unauthorized Transaction, you can lose no more than {$50.00}. If you do NOT tell us within 2 business days after you learn of an Unauthorized Transaction, and we can prove we could have stopped someone from making an Unauthorized Transaction if you had told us, you could lose as much as {$500.00}. If your statement shows transfers that you did not make, including those made by card, code or other means, you must also tell us at once. If you do not tell us within 60 days of the date we sent you the first statement on which the Unauthorized Transaction appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason ( such as a long trip or a hospital stay ) kept you from telling us, we will extend the time periods. If you have a XXXX for XXXX Account, you may be liable for all Unauthorized Transactions, regardless of when you report the activity to us. 

The following are NOT considered Unauthorized Transactions : If you give someone access to your Account ( e.g. by giving them your login information ) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized ; If you, or someone else with whom you are acting in concert, act with fraudulent intent ; or You reverse engineer or chargeback a transaction made with your XXXX XXXX. 
A misdirected payment, such as a payment that is sent to the wrong person, is an authorized payment, and will not be considered an Unauthorized Transaction. 

nothing listed under the " not considered unauthorized transactions '' happened in my situation. this was done without my knowledge or permission. this transaction was fraudulent they are allowing scammers to profit big off of their platform due to their lack of security and accountability. I DID everything required for me to do as a consumer and they still laughed in my face. this situation has been very stressful. its awful that's these companies are involved with scammers and allow them to use their platform to profit and take advantage of others while they sit back and do nothing. they are telling me to contact the scammer but I have no information for that person. I do not know who scammed my account. Im sure the have the legal name for this person im asking them to turn this information over along with the results of their investigation that proves me as the consumer was liable for this transaction and did in fact give my information to someone. please have this notarized and sworn under the penalty of perjury in an affidavit of truth.

Company response to consumer: Closed with explanation