Consumer complaint received 2022-01-23
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, a guy named XXXX called from a company called XXXX XXXX because I had expressed interest in his mentoring program. XXXX sent me something to sign electronically while he had me on the phone. I didn't get a chance to read it and they never sent me a copy. I was under the impression, the money he charged me for in the amount of {$870.00} was for marketing mentoring from XXXX XXXX. And it was the 1st payment of 4 payments they were going to withdraw from my account in 30-day increments to equal {$3500.00} in order to help me start an online business. As soon as I gave them my cash app debit card number, they sent me an email from a guy named XXXX to join a zoom meeting with him in about an hour. I joined and they recorded it. XXXX 's email was from another company called XXXX and it looks fraudulent now that I looked it up. I thought I was going to be receiving help from XXXX XXXX. The guy named XXXX spoke with a very heavy foreign accent and gave me his email : XXXX to contact him with questions on starting my own business. And, I could not understand his accent. In the meeting, I asked for a refund because I felt this wasn't what I signed up for. He told me to send an email to XXXX. I have sent several emails. They refuse to give me a refund. I reported my card stolen to Cash App  and it has been canceled so they won't charge me anymore. The support at XXXX XXXX told me they are now going to keep my money for a course. I told them I would take a look at it. I went through the first few modules and there was another guy named XXXX who was training and also does live training on Thursday who also has a very heavy foreign accent. And, I can not understand what he is saying. The course is useless to me. I have begged them to give me a refund. I have no use for the training I can not understand in a foreign accent. This is not what I expected. I have filed a dispute with the Cash app. After I go through the process and tell them what happened, they respond with the same email asking me to file a dispute. they have done this many many many times. They always send me an email telling me the steps to file a dispute which I have already done a whole bunch of times. They do mention that they will send a link to something they call an Information Retrieval Form. But they have never sent that link. In the email, they mention a toll-free number I can call to get help. The number goes to voice mail saying they have no one to answer the lines and help. I sent several emails with the name of the merchant, the amount of the transaction, the date it was made, and the reason for the dispute. Then they always tell me if I need help, I have to Go through the app and contact support. I have done that many many many many times. And every time, they say they have no information and I need to follow the steps to file a dispute. Today is XX/XX/2022, and I have been going through this ever since XX/XX/2022, with no help from anyone at all. I want a chargeback for the {$870.00} they took from me for services I never received and a course I do not want because it is useless to me.

Company response to consumer: Closed with explanation