Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On or about XX/XX/2023, my email account was taken over/hijacked, I was locked out, and unable to get back into my account for several days until XX/XX/2023. Somebody logged into XXXX, XXXX, and CashApp, with my email after they unlawfully took over my email. During this time, cash app, XXXX and XXXX we're all compromised. Fortunately, I was able to file the complaint with XXXX and XXXX to recover those funds, and CashApp is the only one I have had issues with regarding my dispute. On XX/XX/2023 I reported this issue with XXXX XXXX, my financial institution who closed my Bank Account without notice, after stating that they were only going to reissue me a new debit card since my account number was NOT compromised. 

In the Denial of Fraudulent activity, I'm not sure how the two page document substantiates that it was a " valid transaction ''. I disputed several transactions and on the basis that I didn't dispute one ( 1 ) transaction doesn't invalidate the claim of fraud taken on that account, it means the dispute should be expanded to include that amount. Furthermore, CashApp stated that I only disputed a charge of {$300.00} which is a combination of the {$6.00} fee CashApp charged me and the {$290.00} transaction ( hence both transactions were disputed ). CashApp automatically declined several of other transactions that were attempted, so even the CashApp system flagged what was occurring as suspicious and fraudulent. 

Furthermore, CashApp stated and XXXX XXXX used in their determination, that 10 undisputed transactions went through despite the fact that CashApp declined, eight attempted transfers because their system detected the requests as being fraudulent. So there were only two charges which are both fraudulent. As shown on my claim, with XXXX XXXX and CashApp, I disputed the {$290.00} charge and the {$6.00} charge. I didn't need to dispute the eight additional charges on CashApp because their system detected it was fraudulent activity and didn't allow the transactions to go through ( hence there was nothing to dispute ). 

As you can see in the attached activity log from CashApp, The transactions clearly reflect as " failed '', and " Cancelled '' We're done by CashApp as they were reflected as fraudulent by their automated system. So clearly their system was detecting this was fraudulent, as can be shown by two examples of the charges that were failed and the reason being " The transaction was canceled for your protection ''. 

The amount of {$6.00} + {$290.00} was disputed as reflected on my claim, and I would imagine the IP address would be the same because it was the same person performing the fraudulent activity using my email account. 

How exactly can they claim I was the sender of the funds and the recipient of the funds when Cash app doesn't allow you to send money to yourself? 

Furthermore, how can the reason for the denial being that I allegedly received or am in possession of alleged merchandise? 

I was robbed and didn't receive anything, can they provide tracking if I had supposedly " received '' merchandise? 

What exactly did I receive?