Consumer complaint received 2023-04-25
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I : is to be referred to for both XXXX XXXX XXXX XXXX XXXX simultaneously as to anything that pertains to either if one wishes to or have to respond to any business pertaining to this situation. 

I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( XXXX ) pending even though my account did not have enough funds to make the purchase. 
I exited out of my browser and closed the tabs relating to the creation of the transaction ( XXXX ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Now unless you want to ask XXXX if this is true as far as diagnostics go then by all means you have my cooperation and that will be at a separate non-negotiable dealing. Each time I was shown the total to be money ( s ) totaling {$10.00}. I got into XXXX  in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX  XXXX paired with a sciatic nerve in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have an overdraft allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended or voided for this matter. 
Whether the transaction ( XXXX ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt. To agree that XXXX XXXX was able to void the transaction ( s ) or that they were voided at all means to agree that they pended and XXXX XXXX did not allow that. Cashapp did. Because the total they wanted and the total they displayed to me is irrelevant when I dont HAVE ENOUGH CASH. Whether I was under the impression of that or not you whoever I is or the company Cashapp to keep things direct cant deny or delay remedying me for what Cashapp has caused me. Ill deal with XXXX XXXX and when will never be a concern of yours until it is. To say that the transaction ( XXXX ) had a period of processing is to say that Cashapp released my cash to that company XXXX. Nothing immediately declined because nothing wouldve been removed from my account had it immediately declined. Nothing could process if it didnt pend. My injuries were caused by Cashapp and they have sole obligation as well as responsibility to remedy my injuries. At no point of sale with did I ever have enough cash to even begin the processing of said transaction ( s ) if at every point I was charged more than XXXX. I was never under the impression that the transaction would be more than what was displayed, but whether I was or not Cashapp who has an FDIC insured holding of peoples cash, relinquished mine and had no right to do so. They have agreed that no incremental price adjustment happened from the company XXXX. The company Cashapp still went ahead and what may as well had been the perpetrator of the theft my cash and the injuring person as the person who physically did the injuring to me. Did the transaction ( s ) in question ever have a processing period? Was that processing period the transaction ( s ) pending that are in question? Each time were they totaling more than what was my available balance? How were they able to get the amount that the company Cashapp recovered? Who gave them any amount of the complete total that wouldnt complete the transaction and guarantee a product be shipped to me if they did not receive the entire payment required to complete the transaction to their standards of doing business with anyone. 

These transactions were canceled by XXXX XXXX. And because Cashapp let those funds go to them they were able to void them correct? 

The transaction ( s ) had a processing period correct?

Who authorized the transaction ( s ) for those amounts to go to XXXX for them to be able to cancel them on any day? 

So answer this clear and concise. WHO authorized those funds to be released to XXXX for them to be able to cancel them on any day? 

What company authorized these payments? 

What company released the funds to the company XXXX XXXX? What company is the reason XXXX had possession of those funds to be able to cancel them at any point after my balance didnt cover the total of at any point of XXXX? 

The transaction ( s ) had a period of processing in order for them to voided correct? 

How did XXXX XXXX get my funds in there possession? 

Tell me all the details of how they got my funds. 

How does any business generally gets a hold of a persons cash? 

How does an authorization hold take place for card transactions? 

What creates the authorization hold of the cash? 

How does that enable them to take the cash of any available balance and still have a certain price total displayed on the transaction ( s )? 

How was XXXX able to receive the amounts that they did? 

How did they know how much they could receive? 

How did they know how much they could take out of my account? 

Were there any incremental price adjustments? 

How did they authorize it for a smaller amount exactly to my balance? And when they took what was there did they leave any indication that the greater total was of XXXX each time? 

What part does Cashapp the company have in card transactions going through or denying for whatever reason? 

What part does Cashapp have in the matter regarding any Cash Card transaction ( s ) for any and everyone?

I have been told that the transaction ( s ) did not have any incremental price adjustments. 

Who gave them the money that wasnt just XXXX as the total that the transaction ( s ) pended for? 

I initiated payments for only XXXX each time to my viewing of what was in my cart. XXXX would never know my balance. And so how did they take everything out of my account. 

Who told them hey the transaction ( s ) I see youre charging her for are more than whats in her account. 
Heres whats in her account to hold for whatever reason unknown to Cashapp. 
Because for anything to be able to figure out whats in my account it would evidentially show that they did that making any increase from any starting point. 
To get to what cleared my account. That didnt happen so who gave them my balance information and ultimately my cash to be able to he authorized without my permission or knowledge to whats going on. And to say that you guys couldnt get my cash back to my account before the pending ended is a lie. Because for a long time the XXXX that pended for its correct amount of what I was spending the cash on was just sitting and pending from XXXX. And out of the blue I received a refund of XXXX to my account from the merchant who had no other reason refund me anything other than what was still pending and not even all of that money has been returned but that didnt threaten my life. These transactions from XXXX because of Cashapp did. So answer my questions. 
XX/XX/XXXX at XXXX XXXX XXXXXXXX - The merchant, XXXX XXXX XXXX XXXX, initiated Transaction A as a {$29.00} Cash Card authorization hold. As your Cash App account only held an available balance of {$24.00} at the time this transaction was authorized, Cash App immediately declined this payment due to insufficient funds. Nothing shows that anything immediately declined as I literally have pictures of how long that lasted and that was a picture from the XXXX the only one of its kind so please explain. XXXX XXXX XXXX XXXX re-authorized Transaction A as a {$24.00} authorization, ( ( how did they do this ) ( youre trying to make it seem like the XXXX was the first transaction that decreased my balance to XXXX and kept it that way for a period. ) as I literally have a screenshot of it pending, mind you the only one its kind seeing is that its the same cash. Please do not further neglect that I just about instantly actually just about instantly get an email notification of everything that happens. ) the funds were temporarily removed from your account while both Cash App and the merchant began processing this payment. 
XX/XX/XXXX at XXXX XXXX XXXXXXXX - The merchant, XXXX XXXX XXXX XXXX initiated Transaction B as a {$29.00} Cash Card purchase. As your Cash App account held a {$0.00} balance at the time this specific transaction was authorized, Cash App canceled this payment due to insufficient funds on this same date and time. The two pictures I have submitted along with this should definitely stop anything other than acknowledgement and remedy. Analyze the times. Analyze and please give an honest answer as it does you no good to not do anything other than that. 
XX/XX/XXXX at XXXXXXXX XXXX XXXX - The merchant, XXXX XXXX XXXX XXXX, initiated Transaction C as a {$29.00} Cash Card purchase. As your Cash App account held a {$12.00} balance at the time this specific transaction was authorized, Cash App canceled this payment due to insufficient funds on this same date and time. After this transaction was declined by Cash App, XXXX XXXX XXXX XXXX then re-authorized Transaction C as a {$12.00} Cash Card purchase, and the funds were temporarily removed from your account while both Cash App and the merchant began processing this payment. 
XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX - The merchant, XXXX XXXX XXXX XXXX, initiated Transaction D as a {$10.00} Cash Card purchase. As your Cash App account held a {$4.00} balance at the time this specific transaction was authorized, Cash App canceled this payment due to insufficient funds on this same date and time. After this transaction was declined by Cash App, XXXX XXXX XXXX XXXX then re-authorized Transaction D as a {$4.00} Cash Card purchase, and the funds were temporarily removed from your account while both Cash App and the merchant began processing this payment. 
XXXX XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX - The merchant, XXXX XXXX XXXX XXXX, voided both Transaction A and Transaction C, and funds totaling {$37.00} were returned to your Cash App account balance at that time. 
XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX - The merchant, XXXX XXXX XXXX XXXX, voided Transaction D, and funds totaling {$4.00} were returned to your Cash App account balance at that time.

Company response to consumer: Closed with explanation