Consumer complaint received 2023-03-11
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday XX/XX/2023 I send a payment for half the payment towards a shed I was supposed to be buying that day. I used cashapp to send the amount or {$270.00} to $ $ XXXX whom belongs to a XXXX XXXX. XXXX XXXX was to be being the shed I purchased to my home that day. However she never showed. I immediately the same day reached out to cashapp to stop the payment. However they refused to do so and instead requested a refund from the party. I am filing this complaint due to cashapp negligently handling of my request. I paid with a visa and payment and the charges were still in the processing phase and could have been stopped before posting to the account and XXXX XXXX would have been owing the amount of {$270.00} and not myself. I contacted cashapp numerous times over the next three days to get them to stop the paid ent made via my debit card yet they just refused to off me any type of help whatsoever. I was 100 % scammed. I do not know if this girl even is a real person or not. I requested from cashapp if they could advise if this person has other complaints like mine because clearly I can not be the only one. I would advise that this information be prevalent in the matter as if it further add to cashapps failure to protect the actual consumer and legitimate party in the matter while aiding in the thiefs scam. Cashapp was well aware the payment wasnt directly transferred out of the account immediately from my bank account but instead on my visa debit card where charges were not finalized. Cashapp refuses to offer any type of customer resolution. They told me almost immediately that were not willing to do anything in regards to the matter and I simply just needed to wait for this XXXX person to issue a credit which she doesnt have to. Its at her discretion. However, clearly shes not going to issue a refund. She already told me that she spent all my money and did not deliver the product. Ive made every attempt to work it out with both XXXX or cash app, and they refused to give me my money back in anyway shape or form. I had filed a complaint a claim with my. Bank, XXXX XXXX they are requesting from cash app to reimburse me the money. However, my bank told me most likely theyre not gon na do it because they dont offer any type of consumer resolutions for the most part they avoid any and all accountability being the middle man. Which doesnt make any sense to me if I make a payment with visa debit card and a charge is not fully taken from the account and still pending theres no reason why we couldnt have stopped that payment from going through and made the scammer responsible for the funds. Also cashapp makes things very confusing with how to go about this process. first off I had blocked her, but was afraid that because I had her blocked my refund would not go through. So then I reached out to find out how to unblock somebody because I didnt know if my refund would come through to my account if I had somebody blocked. It takes cash app several and I mean several hours to respond to you and when they do respond its usually in the early hours of the XXXX.. as you can see the responded to my initial request of canceling the payment at XXXX XXXX in the morning. Clearly, I was sleeping yet. The representative waited all of four minutes for me to respond to him before he end of the chat. Basically, they have offered no resolution whatsoever any type of assistance or help. Ive received nothing from cash app. They do not offer the consumer to be able to obtain a copy of the chat messages. Therefore, I took pictures and have added them. They may be a bit out of order but the details my accounts with cash app via chat.

Company response to consumer: Closed with explanation