Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally report egregious misconduct by Cash App XXXX XXXX XXXX XXXX ) after over {$3000.00} was fraudulently withdrawn from my linked bank account ( routing # XXXX ; account # XXXX ) via XXXX unauthorized " Lift '' charges. On XX/XX/year>, I immediately reported these transactions upon discovering them, as I rarely use Cash App and was unaware of the activity until reviewing my bank statement. Despite clear evidence of identical, fraudulent charges from the same merchant, Cash App subjected me to an unreasonable dispute process : I was not provided a claim number to track my case, was vaguely instructed to submit " additional information '' without being told what documentation was needed, andmost egregiouslywas forced to upload my government-issued identification separately for every single charge ( over XXXX submissions ), despite the identical nature of the fraud. I complied fully with this burdensome demand, yet just XXXX day later, on XX/XX/year>, Cash App denied all disputes and closed my account without justification. This is the second time in XXXX years my account has been abruptly shut down during a fraud dispute, suggesting a pattern of retaliatory conduct against consumers who report unauthorized transactions. Cash Apps actionsincluding their failure to provide a clear claims process, demand for redundant documentation, and summary account closureviolate federal protections under XXXX XXXX ( XXXX ), which mandates prompt investigation of fraud and prohibits institutions from obstructing disputes. I demand immediate intervention to secure a full refund of the stolen $ XXXX, reinstatement of my account, and penalties against Cash App for these deceptive practices. 
for the month of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash App Pay {$10.00} XX/XX/XXXX XXXX Cash App Pay {$9.00} XX/XX/XXXX XXXX Cash App Pay {$16.00} XX/XX/XXXX XXXX Cash App Pay {$10.00} XX/XX/XXXX XXXX Cash App Pay {$12.00} XX/XX/XXXX XXXX Cash App Pay {$8.00} XX/XX/XXXX XXXX Cash App Pay {$13.00} XX/XX/XXXX XXXX Cash App Pay {$9.00} XX/XX/XXXX XXXX Cash App Pay {$11.00} XX/XX/XXXX XXXX Cash App Pay {$8.00} XX/XX/XXXX XXXX Cash App Pay {$7.00} XX/XX/XXXX XXXX Cash App Pay {$22.00} XX/XX/XXXX XXXX Cash App Pay {$10.00} XX/XX/XXXX XXXX Cash App Pay {$6.00} XX/XX/XXXX XXXX Cash App Pay {$10.00} XX/XX/XXXX XXXX Cash App Pay {$16.00} XX/XX/XXXX XXXX Cash App Pay {$12.00} XX/XX/XXXX XXXX Cash App Pay {$10.00} XX/XX/XXXX XXXX Cash App Pay {$14.00} XX/XX/XXXX XXXX Cash App Pay {$8.00} XX/XX/XXXX XXXX Cash App Pay {$11.00} XX/XX/XXXX XXXX Cash App Pay {$8.00} XXXX XXXX XXXX Cash App Pay {$21.00} XXXX XXXX Lyft Cash App Pay {$16.00} XXXX XXXX Lyft Cash App Pay {$16.00} XXXX XXXX Lyft Cash App Pay {$14.00}

Company response to consumer: Closed with explanation