Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( Square ) - Systemic XXXX Violations & Unlawful Fund Withholding To : Consumer Financial Protection Bureau XXXX CFPB ) From : XXXX XXXX XXXX XXXX XX/XX/XXXX -- - I. XXXX Summary Block, Inc. ( XXXX ) has unlawfully withheld funds from my merchant account ( GAME GO EXPERIENCE LLC ) for over XXXX year ( since XX/XX/XXXX ), violating federal law and demonstrating systemic non-compliance. Key issues include : 1. Indefinite fund hold without evidence of chargebacks or high-risk activity.

2. False claims of excessive chargebacks despite only XXXX transactions processed. 
XXXX. Violations of XXXX XXXX and XXXX standards through deceptive practices. 

This complaint is supported by : - XXXX documentation for alleged chargebacks or risks. 
- Generic, boilerplate responses from XXXX citing security concerns without evidence. 
- XXXX CFPB complaints against XXXX XXXX XXXX XXXX nationwide harm. 

XXXX. Factual Chronology | Date | Event | Legal Violation | | -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| | XX/XX/XXXX | Merchant account opened ( " XXXX XXXX XXXX XXXX '' ). | N/A | | XX/XX/XXXX | Account deactivated ; funds withheld indefinitely. | EFTA 1693 ( f ) ; Reg E 1005.11 ( c ) ( 1 ). | XXXX | First inquiry for fund release ( Case # XXXX ) Denied. | XXXX ( unfair practice per CFPB XXXX XXXX ). | | XX/XX/XXXX | XXXX # XXXX : XXXX repeated " final decision '' without evidence. | XXXX ( deceptive practice under 12 U.S.C. 5531 ( c ) ). | | 11/12/2024 | XXXX claimed high-risk activity but provided no proof. | XXXX ( abusive practice under CFPB Exam Manual XXXX ). | -- - XXXX. Legal Violations A. EFTA/Regulation XXXX Violations XXXX. Unlawful Fund Hold XXXX year hold violates XXXX limit ( *12 C.F.R. 1005.11 ( c ) ).

2. No Provisional Credit Violates 1005.11 ( c ) ( 2 ) ( ii ) ; CFPB v. Chime ( XXXX ). 
3. Fraudulent XXXX XXXX XXXX documentation provided per XXXX ( f ). 

XXXX XXXX Violations 1. Deception False claims of excessive chargebacks despite only XXXX transactions. 
XXXX. Unfairness Indefinite hold without evidence violates CFPB Policy Statement ( 88 FR 5170 ).

3. Abuse Retroactive use of high-risk label violates Washington Consumer Protection Act ( RCW 19.86 ).

C. Post-Consent Order Violations- CFPB Consent Order 2023-CFPB-0012 : Continued indefinite holds despite $ 175M penalty.

- DFPI Order 2025-BA-044 : Failure to provide written justification for holds. 

-- - XXXX. Evidence of Systemic Harm A. Blocks Admissions - SEC XXXX ( XXXX ) : Admits regulatory risks from unresolved consumer complaints. 
- Squares Responses : Repeated use of template replies ( e.g., security concerns ) without evidence.

B. Regulatory Context - 1,200+ CFPB Complaints : Highlighting Blocks pattern of withholding funds.

- FTC Action 2024-AB-112 : Ongoing probe into Squares deceptive practices.

C. Direct Harm - Business Losses : Inability to access {$390.00} critically impacted operations.

- Credit Impact : Delayed vendor payments damaged commercial relationships.

V. Relief Requested Under 12 U.S.C. 5563, I demand : 1. Immediate Release of {$390.00} withheld funds + statutory interest ( 15 U.S.C. 1693m ).

2. Documentation Chargeback evidence within XXXX days ( XXXX XXXX XXXX ( f ) ). 
3. Penalties Referral to CFPBs Repeat Offender Unit and DOJ ( 15 U.S.C. 1693o ).

4. Injunctive Relief Court order barring future violations ( 12 U.S.C. 5564 ).

5. Audit Review of all Block accounts held XXXX days since XXXX. 

XXXX XXXX VI. Attachments XXXX. Exhibit A : Account statements ( XXXX XXXX ). 
2. Exhibit B : Square communications ( Cases # XXXX, # XXXX, # XXXX ). 
3. Exhibit C : CFPB XXXX XXXX XXXX ( highlighted ). 
4. Exhibit D : Washington XXXX XXXX XXXX ( XXXX XXXX ) excerpt. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation