Consumer complaint received 2022-11-15
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I notified Cash App on XXXX XX/XX/2022 that the twXXXX merchants XXXX XXXX issued me a refund of {$120.00} and I also provided Cash App the emails from XXXX XXXX of them verifying that they had already processed my refund. Cash App posted the refund to my account at XXXX EST but took it back and left the {$120.00} pending from the merchant after the merchant cancelled the pending authorization. I have provided cash app with the emails to verify. They have stop responding to me and closed my account because I reported them to the Consumer Financial Protection Bureau regarding fraudulent transactions that I filed disputes on but cash app failed to investigate, process chargebacks for the fraudulent amounts and then denied my claim. Cash app employees are beyond unethical and they do things to customers out of spite or when a customer reports them to a higher authority. Thats not good business. Thats not how companies and business in the United States treat their customers.Their support team lacks knowledge and they never have solid resolutions or answers for customers. They also hard posted the transaction from XXXX after they refunded me the {$270.00} on XXXX XX/XX/2022 because I sent them the email from XXXX XXXX well and it also stated that the transaction had been refunded and that it would be up to cash app on when they would release it to my acccount. Instead of them releasing it they settled it to my account AFTER I provided them the email stating it was refunded by XXXX. They also have failed to refund me on all the fraudulent transactions I reported and then close my account today after they received the complaint from the CFPB. Starting that I broke their terms and conditions. Thats an absolute flat out lie. This company needs to be investigated and shut down or laws should be put in place to hold them responsible for scamming customers and thinking they can just get away with this. They think that because the governement isnt letting them know what they are doing is wrong and they need to be fined for their unethical business practices. Its wrong! I will be taking them to small claims court. Also the supervisor XXXX emailed me and Im thinking she would resolve the issue and she even responded with some Computer generated message. I would be shocked if XXXX was an automated email reasonse that Cash App is putting off like a real human! This company needs to be banned because all they do is steal from customers and receive the credits from XXXX but never post them back to the cardholders accounts. Thats why theyre revenue is up the past few quarters. Because theyre stealing XXXX XXXX and the cardholders when XXXX issues the funds back to accounts during dispute process. They never provide any documentation. They act as if they dont wont to speak with customers after they deny claims. They even reply to customers from an email address that does not accept incoming emails. They bounce back. THIS COMPANY AND ITS WORKERS ARE A XXXX AND A BUNCH OF XXXX

Company response to consumer: Closed with explanation