Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
On or about XX/XX/year>, my Cash App account was permanently deactivated without meaningful prior notice, clear factual explanation, or adequate procedural transparency. Prior to closure, the account had been actively used for legitimate and lawful personal and independent business purposes, including receiving payments for DJ services, music writing, computer repair work, bill payments, and providing financial assistance to family members. My account functioned as an essential financial platform for both personal and professional income. It was regularly used to receive customer payments for contracted DJ engagements, songwriting services, computer repair labor, and other independent income-generating activities. The sudden loss of this payment infrastructure materially disrupted my business operations and directly interfered with my ability to efficiently collect earnings. My account activity consisted of normal consumer and small-business financial transactions, including deposits, peer-to-peer transfers, Borrow repayments, and ordinary expenditures. No fraudulent conduct, prohibited commercial abuse, money laundering, or intentional Terms of Service violations occurred. Despite this legitimate usage history, Cash App abruptly restricted and then permanently closed my account, significantly disrupting my financial operations and causing immediate economic hardship. The account closure interfered with : Receipt of independent business income from customers paying for DJ engagements, music-related services, and computer repair work Payment of personal household obligations and recurring bills Financial support regularly provided to family members Management and repayment of an existing Borrow balance Access to an established payment platform relied upon for daily financial activity As a direct result of this disruption, I experienced measurable financial damages, including : Estimated lost business revenue from interrupted customer payments : {$4500.00} Administrative time loss, dispute preparation, and complaint filing burden ( estimated XXXX hours ) : {$2000.00} Transportation costs and additional expenses associated with alternative payment arrangements : {$750.00} Emotional distress, financial instability, and prolonged economic disruption : {$5000.00} Ongoing business interference, reputational harm, and customer inconvenience : {$7700.00} TOTAL ESTIMATED DAMAGES : {$20000.00} Following closure, I repeatedly sought clarification, including formal written disputes requesting : Manual human review of the account decision Identification of the specific alleged Terms of Service violation Documentation supporting the closure decision Clarification of disputed Borrow-related balances and increasing fees Fair compensation for financial harm caused by service disruption Instead of providing substantive responses, Cash App primarily relied on vague, repetitive, and seemingly automated communications that failed to meaningfully address the core issues raised. My documented correspondence was repeatedly overlooked or disregarded, and support channels often responded with generic templates requesting redundant information already provided. This pattern strongly suggests overreliance on algorithmic or automated account enforcement systems without sufficient human oversight or individualized factual review. Cash Apps conduct created significant damages, including but not limited to : Loss of business revenue due to interruption of customer payment channels Reduced access to income opportunities due to inability to use a widely accepted digital payment service Time loss and administrative burden associated with repeated dispute efforts, complaint filings, and documentation gathering Transportation burdens and added costs resulting from the need to seek alternative payment arrangements Emotional distress, inconvenience, and financial uncertainty Continued collection pressure and interest accrual on disputed balances during unresolved disputes Although Cash App later issued a partial refund of certain finance charges, the company failed to fully resolve the disputed principal balance, failed to provide specific factual evidence supporting account termination, and continued asserting broad discretionary authority under its Terms of Service while withholding meaningful transparency. Cash Apps actions demonstrate potentially unfair account servicing practices, inadequate dispute investigation procedures, and harmful automated decision-making that materially impacted my livelihood, earning capacity, and financial stability. I am seeking : Full written disclosure of the factual basis for account termination Elimination or correction of disputed balances and associated fees Assurance against negative reporting or improper collections Formal acknowledgment of the economic harm caused Fair compensation in the amount of {$20000.00} for the substantial financial, professional, and personal damages resulting from this wrongful account disruption

Company response to consumer: Closed with explanation