Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

On XX/XX/XXXX, I accepted a payment from who was at that time a friend on my mobile app called " Cash App '' for {$120.00}. He had sent me too much money, so I returned {$70.00} by sending it back that same day, XX/XX/XXXX, using the same service he used to send the money, which was sent through the Cash App. So, in total, I received {$50.00} that day from him. 


Two months later, on XX/XX/XXXX, I saw that Cash App had deducted {$120.00} from my personal checking account. I inquired with my personal bank about the {$120.00} withdrawal from my account, and they said Cash App was disputing a charge and told me to contact them for additional information. I contacted XXXXash App by phone, and they told me that the person I received the {$120.00} payment originally from on XX/XX/XXXXXXXX  had now disputed the transaction with his bank. They stated his bank contacted Cash App disputing the amount of {$120.00}, and so they took action by withdrawing that alleged disputed amount of {$120.00} from my personal checking account that was previously listed on my Cash App but not currently because I did not have a balance on my Cash App virtual account for them to withdraw funds from. When I asked for the alleged bank 's name and contact information, they refused to supply me with the information and told me to contact the person I had received the money from on XX/XX/XXXX. I asked Cash App customer service how I could verify that the bank even disputed any charge and that Cash App actually received a dispute from another financial institution. They told me again that they would not supply me with the disputing bank 's contact information. My bank only had Cash App 's information as the institution disputing the money that they took out of my personal checking, so the alleged disputing bank was not disputing it with my personal checking but with Cash App. 
So, I contacted the person who sent me the money, and he told me he stole his dads card and used it that day on his Cash App account. 


Several issues : 1 ) There is no way I would have been able to know that he fraudulently used his father 's bank account to fund his Cash App account. I do not have access to or legal rights to Cash Apps customer account information. I can not verify who Cash App lets sign up an account. I can not verify what payment method people have placed on their Cash App account to fund their Cash App balance funds. As far as I know, it's a balance they have on their Cash App account from money they received from another Cash App account holder. 

2 ) The money I received from him was coming from the funds placed in his Cash App account, not from the bank he fraudulently listed on his Cash App account. This means that the bank was disputing a transaction that Cash App made on the account my friend listed on his account. The bank was not disputing a withdrawal from my bank. 

3 ) This means that anyone can just dispute a payment that they have made on their Cash App account with someone else and receive it back fraudulently and easily, and it can even be months later. When I explained this to Cash App by text through their app, they told me yes, I was correct, but if there was a pattern of doing it, then they would shut down your account. 


So, in the end, I had to pay {$120.00} to a bank that didn't even dispute the charge with me, and I only received a total of {$50.00}. So, I lost {$70.00} from the transaction. 

I am held responsible for verifying someone elses credit card or bank information they may place on their Cash App account without having access to any information. 

This all occurred almost two months after the original transaction, which should not have been allowed in the first place. 

Cash App should not be allowed to take money from a bank account that I no longer even have listed on my Cash App account and that I removed weeks before that. 

Cash App should at the very least give the customer the bank name or contact information from the disputed charge because, as far as anyone knows, Cash App could just claim they received a dispute, and there is no way of verifying that information because they will not provide it to you, and my personal checking bank shows Cash App as the one disputing the charge.

This is a fraudulent business practice on so many levels. 

Its not my responsibility to verify the Cash Apps customer accounts. How would I even be able to do that? 

I have the chat saved from the Cash app about this incident. I have screenshots of the chat with Cash App and my Cash App monthly statements showing all of the information stated above, which includes the dates of transactions, amounts, and who they went to. 

I reported this issue to the XXXX XXXX XXXX Complaint ID : XXXX on XX/XX/XXXX, and the reason why I did not report this to the XXXX XXXX XXXX until that date was because I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX between the time that these transactions were made and now. 

The XXXX  was not resolved, and Cash App even replied to me directly with something different than what they sent as a reply to my complaint to the XXXX XXXX XXXX, which is available to the public, which proves they are still unethical and carrying out the same types of fraudulent business practices. I have that email and the history of the XXXX  complaint to prove that as well.