Consumer complaint received 2023-05-16
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had been a cash app customer for three years unable to get any other bank account from the fallout of the last reports to this agency and secrete bank list they keep and share. In XX/XX/XXXX XXXX started to charge around {$70.00} a month in fraudulent charges. Immediately i told cash app amd once i think they accepted my claim that i didnt approve the transaction and gave my money back. I closed my XXXX account after the charges would not stop and XXXX said would not stop making them or even tell me whos account they paid for. I lost several XXXX dollars in audio books closing that account and told cash app who dis not care and refused to accept the challenge to the legitimacy. After a week if arguing this matter unsuccessfully despite the laws if consumer protection they would not accept my challenge of the charges still coming and increasing in frequency and total amount. Finally cash app told me i could block the merchant and so i did in XX/XX/XXXX. Today XXXX tried to charge the account 3 tunes today alone. They have rried multiple times a week since XXXX when i closed my XXXX account despite all this cash app refused to accept or pay back any of the charges i had told them were not mine since XX/XX/XXXX. I changed the card number didn't help XXXX somehow was still able to and was still trying to charge me mire aggressively than ever. Some XXXX charges since i closed my XXXX account. XXXX were all blocked except about {$300.00} worth that went through and cash refused to repay even though they knew about the issue.. 
In XXXX i got stuck in XXXX and stayed two nights waiting for a nee fight at XXXX XXXX XXXX XXXX. They took a {$100.00} deposit and somoly refused to give it back or even make up a reason why they were stealing it. So I challenged the transaction and told the whole true story to cash app. They immediately closed my account refusing to say why or for what reason and because they are unbelievably slow witted and seem to hate their customers, they had no answer when i asked how tgey planned to five me back the {$630.00} in the account when they closed it as punishment for disputing totally honestly the fraudulent charges by XXXX. When they could not provide any option of how i was to recover the funds they just would just hang up as they read over the too of my asking questions that bothing they could tell me about the account. In total this year alone cash app has facilitated the theft of {$300.00} at least from my account. I have challenged every cent provided irrefutable evidence and reported the fraud to cash app in every conceivable way. They just refuse to fiollow the consumer protection laws. This is a trend with banks. You fail to regulate them and they go crazy like a XXXX kid in a cake factory. They dint fear the government ir consumer advocates became they will destroy a persons finacalial lofe as they have mine out of petty spite and wildly unprofessional childlike behavior. I mean all three corporations in this story are scting in a criminal way. Choosing not to oay their due and breaking the law doing so. This is basically my inly recourse that I personally have never seen do XXXX but leave the whistleblower hanging high and dry to survive on their own with no access to wealth at all. I have zero ability to believe this effort will do anything but harm to me. My complaints to this office started when my paycheck was held for XXXX minths by chase you did nothing and i lost my home. Then chime failing to repay the same hotel deposits after they received them, you did nothing and my business was closed. Now again a financial scam out fit is letting my money be stolen then tried to steal all my money closing my account in retaliation amd refusing me any way to get my money back. Why because the hotel is also allowed to just take my XXXX and my government wont protect me. At this point I know you will do nothing to help me just like you never have but i am out of reasons to support your even existing because what is the point. I am kot a corporation so i dont benefit from weak leadership and toothless government officials. So go ahead and tell cash app sow they can do even more harm to me. I am a XXXX vet so all my life i will be poor having suffered endlessly. I know California hates veterans but does the federal government feel the same l? Or is this the time you do something to help me

Company response to consumer: Closed with explanation