Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/year> I received my Tax Advance Loan from XXXX XXXXXXXX XXXX for {$3000.00}. After taking XXXX hours to access funds because the process to update a phone number requires a birth certificate and photo id. I was truly excited to spend some time with my kids and pay some debt off. I attempted to add {$1000.00} to my cash app account because I lost my XXXX XXXX card and this is how i used the funds last year. Unfortunately when I added {$500.00} it triggered a fraud alert ( not sure why if the limit for my account is {$25000.00} per week to add funds - SCREENSHOT ATTACHED ). So I decided to send it to my daughter XXXX XXXX XXXX to send it back to me. I sent XXXX XXXX {$500.00} transactions. I told her to keep {$200.00} and I added {$200.00}. I made sure the card was locked and put my phone on the charger. While I was getting dressed my daughter received at least XXXX alerts that I was disputing transactions on her Cash App totaling {$520.00} and the {$200.00} she kept in her Cash App was gone ( her card was locked as well ) ; and the remaining funds was taking out of her personal checking account through XXXX XXXX XXXX XXXX XXXX. 


I received a call from XXXX XXXX stating she received an alert I was disputing {$50.00} and another gentleman I bought perfume from outside reached out to me for a {$45.00} dispute. Everyone was extremely upset with me, not only did I not dispute any transactions the funds were deducted from there accounts immediately causing extra fees. XXXX XXXX states her Cash App account was deemed fraud now she wont talk to me anymore. THIS IS A NIGHTMARE. When I looked my phone the {$1200.00} in my account was GONE!! I am a single mother with XXXX kids facing an eviction. This could not come at a worse time. My daughters cash app card was locked as well. Not sure what the LOCKED FUNCTION IS FOR IF THEY CAN JUST STEAL YOUR MONEY. 
I contacted Cash App immediately via chat ( SCREENSHOT ATTACHED ) after all these transactions. The representative stated they could not see what I was talking about. Funds were never added back to my XXXX XXXX account. I found a number for Cash App. The first representative said they could not see anything and if the funds were declined the money would be sent back to the merchant. Called XXXX XXXX XXXX they did not have any record of what was going on either. Called Cash App back, a gentleman advised me of a dispute on a XXXX card XXXX. That is my grandmother 's account through XXXX XXXXXXXX XXXX. They stated they took my money to resolve a dispute through XXXX XXXX XXXXXXXX and any extra funds were sent to that account. HOW??? 
First issue, how can any institution go into my daughters personal checking account and take money. If there was a dispute issue with a card on my cash app why wasnt a document sent to me to resolve this issue without involving other parties ( XXXX ). As of today, I still have not received my money back, I filed a dispute with XXXX XXXX XXXX who is working with Cash App to resolve this issue. I have lost trust in both companies. Cash App closed my account in addition to all this activity. When I asked why my account was closed, all agents stated they did not know why, Read the agreement ( over XXXX pages ). 
I am still shocked this happened. My current situation, lack of food, eviction in a few days, and I am stuck not being able to do anything because my money is being held by XXXX XXXX dollar companies. I have XXXX credits in XXXX XXXX. If I had funds to pay an attorney I would sue Cash App this breaches all types of business and ethic laws. I NEED TO RESOLVE THIS ISSUE IMMEDIATELY. My remaining tax funds are going to this card and I really hope I will never have this problem again. I will not use this loan service anymore I will use my XXXX account.