Consumer complaint received 2024-06-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MN)

I had received the deposit on XX/XX/XXXX within 40 mins after my deposit. There was a {$100.00} ( supposedly for ) multiple instant paychecks. So I clicked/reviewed the transactions. 
Transaction as follows : XX/XX/XXXX instant paycheck - {$7.00} XX/XX/XXXX instant paycheck - {$18.00} XX/XX/XXXX instant paycheck - {$5.00} XX/XX/XXXX instant paycheck - {$20.00} XX/XX/XXXX instant paycheck - {$10.00} XX/XX/XXXX instant paycheck - {$30.00} XX/XX/XXXX instant paycheck - {$10.00} Fees - {$0.00} Amount deducted- {$100.00} So I proceeded to Investigate, since it didnt have any year stamped. I assumed it must of been from my transaction from XXXX, because the time of the issue was XX/XX/XXXX. And the dates They are mentioning in the transaction are from XX/XX/XXXX to XX/XX/XXXX. I reviewed all my transactions from XXXX of XXXX. Yes there was a couple instant paycheck deposited into my account, but the total was {$45.00} dollars. But two days after that deposit, they was a deduction for {$95.00} dollars, which would have equaled out the instant paycheck that I made in XXXX of XXXX and XXXX of XXXX. 

So then I proceeded to go to the Cashapp support messenger and talk to a support representative, when talking to the support, they first start by asking to choose the transaction that you want to dispute. I choose the {$100.00} that was deducted from my account on XX/XX/XXXX. Then the support put me on a long hold, can back with the following message. 

Due to regulatory restrictions, we are unable to discuss questions about Cash App Lending concerns here over messaging/the phone. Im happy to transfer your case to that team, who only communicates via email, for more assistance. For assistance, please provide the information below : XXXX. What is the best email to reach you? 
XXXX. Is this regarding Borrow or pay over time? 
XXXX. If applicable, what is the loan ID? 

So I provide them with the information and waited a couple of days, yet no response. So I went back onto cashapps chat support and demanded answers to questions like who did this payment go too, why was I charged now, if this is from an issue from a year ago ( Again Im only assuming, because there wasnt any transactions related to instant paycheck, since XXXX of XXXX ) and pleading with cashapp to helping me. Yet I was either told to wait or the Support would not reply and end the session without a goodbye or ending statement. ( Pretty much like getting HUNG UP ON ) so I then found cashapps customer service phone number and give them a call, told the representative everything that had happened, she transferred me to a supervisor. Which again the supervisor reminded me that they cant help me with this issue and that I should just wait for an email. 

Two days later, I received an email from XXXX at Cashapp, Email as follows My name is XXXX  and I am a Specialist with Cash App. I am contacting you about a complaint that you made on XX/XX/XXXX. I understand that you are experiencing an issue with a lending payment. 
I am unable to discuss the concern raised in your Support case, however Im happy to transfer you to the correct team to address the issue. I am transferring your case to a specialty team to begin an investigation, and a member of that team will reach back out via email. 
All future correspondences will be sent from the Account Services team. Please relay any future questions or concerns directly to that email. 
Thank you for your continued patience as we work to resolve this issue. 

And now its XX/XX/XXXX, still have not heard from the so called Account Service Team and my last message from cashapp support XXXX  was this morning, they werent helpful.

All I get now is information like While Id be happy to help you with anything else, Im unable to provide further info for this particular case. Thanks for understanding. 

Or We've provided as much info as possible to help with this issue. Since I can't provide any additional help, Im going to go ahead and end the chat. Youre welcome to contact us in the future through the app. 

Clearly lying to me, because they HAVE NOT even TRY to provided an inch of information. They started by saying they cant talk about it, and now it feel like there brushing me off.