Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had XXXX in a cash app I never got back. 
Because I couldn't talk to a real person and when I finally did they claimed they could verify me but with my number changing it was nothing that they could do or tell me. 
That was a direct violation. 
And I opened a new one and it closed with XXXX dollars in it and I could never retrieve that either.. 

To Whom It May Concern at Cash App, I am writing to express my deep frustration and anger regarding the ongoing discriminatory practices, improper handling of my account, and the unresolved unauthorized transactions that have persisted for far too long. I am XXXX XXXX, born on XX/XX/XXXX. My contact information is as follows : Email : XXXX Phone Number : XXXX Last 4 of Social Security : XXXX The failure of Cash App to address these issues in a timely and competent manner has led me to this point of escalation. I am demanding immediate access to the funds held in my account, and I will not tolerate any further delay. Failure to act swiftly will compel me to pursue legal action, which I am confident I will win because the facts are on my side. Cash App has violated multiple laws and regulations in its handling of my account. 

Legal Violations : Cash App 's actions and neglect are clear violations of federal and state laws designed to protect consumers. I am invoking the following legal codes and regulations that protect consumers from fraudulent and unfair business practices : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Cash App 's failure to properly investigate unauthorized transactions and resolve disputes in a timely manner is in direct violation of this act, which prohibits deceptive and abusive practices related to debt collection, including fraudulent transactions.

2. The Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

This law requires financial institutions to investigate and resolve unauthorized electronic fund transfers. Cash Apps mishandling of my disputes and failure to resolve fraud cases violates my rights under this act, which guarantees protection for consumers against unauthorized withdrawals and failures to resolve disputes.

3. Consumer Financial Protection Bureau ( CFPB ) Violations : Unfair Practices and Failure to Provide Effective Customer Service : The CFPB fined Block , Inc. for violating Section 5 of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45, due to unfair, deceptive, or abusive practices that harmed consumers, including failure to provide timely customer support and misrepresentations of fraud protection.

Failure to Properly Address Fraud : The CFPB also found that Cash App and its parent company, Block , Inc., failed to address fraudulent transactions effectively, violating consumers ' rights under the EFTA and the regulations that govern electronic payment systems.

4. Unfair and Deceptive Trade Practices ( State-Level Consumer Protection Laws ) Your companys failure to provide accurate, effective customer service and address fraud on the app violates my rights under state-level consumer protection laws, which are designed to prevent unfair or deceptive business practices that harm consumers. 



In addition to these specific laws and regulations, the CFPBs findings about Cash Apps systemic issues with fraud detection, customer service, and chargeback handling further strengthen my position. The {$170.00} XXXX fine against Block , Inc. for these exact violations underscores the systemic issues that persist at Cash App. 

Similar Cases : XXXX XXXX XXXX XXXX XXXXXXXX : This class action lawsuit was filed by Cash App users who experienced similar issues with fraud, unauthorized transactions, and a lack of resolution. The plaintiffs argued that Cash Apps failure to properly investigate fraud claims violated the EFTA and consumer protection laws, and the case resulted in a significant settlement. 

XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ), XXXX : In a case against Block , Inc. ( Cash Apps parent company ), plaintiffs alleged that the companys negligent handling of customer service and failure to address fraud complaints led to financial harm. The case was settled with a refund for affected customers and a review of Cash Apps fraud protection measures. 

XXXX XXXX XXXX XXXX XXXXXXXX : A lawsuit filed after unauthorized transactions were made and Cash App refused to refund the amounts despite evidence of fraud. The case resulted in a ruling in favor of the consumer, with Cash App forced to settle and implement changes in its fraud investigation process. 


My Demands : Based on the violations listed above, I am demanding the following actions : 1. Immediate Release of Funds : I demand that my account be released immediately, and I be granted access to my funds without further delay.

2. Refund for Unauthorized Transactions : I request a full refund for any unauthorized transactions and compensation for the inconvenience and distress caused by Cash Apps failure to address my disputes.

3. Immediate Investigation of Fraudulent Activity : I demand that Cash App properly investigates all unauthorized transactions linked to my account, and I receive the full results of the investigation.

4. Proof of Action : I request proof of any actions taken to address the systemic fraud issues with my account and any internal review conducted in light of the CFPBs findings. 



If these demands are not met, I will pursue legal action. I will be contacting legal counsel and the appropriate regulatory bodies to escalate this matter. Furthermore, I will be seeking damages for both financial loss and emotional distress caused by Cash Apps negligence and discriminatory practices. 

You have been put on notice. I expect to hear from a qualified representative within XXXX hours. Any further delay will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation