Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I was recently involved in a scam with a prospective employer via a false job offer, and this scam involved CashApp. I will leave the detailed description of the scam below : I applied to a job position on XXXX for a XXXX XXXX position with XXXX XXXX during middle to late XXXX of XXXX On XX/XX/year>, the company reached out, specifically XXXX XXXX with the company 's HR department about the position and requested that I fill out an " interview '' form that asked me questions about the qualifications for the position and my work experience that would correlate to the job description. This, to my knowledge and based on my experiences, were normal interview questions, and I also believed that the form was normal protocol for the position since the job was for a remote position. This was accepted, and after a few days, XXXX XXXX reached back out to offer me the position. Their demeanor, attitude, and general process and time frame for the hiring process lined up well with what I considered to be normal for any job position. 
I accepted the position, and I was then sent an employment contract to sign. This also looked to be legitimate, as it had an agreed upon salary, training period, etc. listed for the position, so I signed the form- this was with my handwritten, legal signature, and I printed out the form, signed it, and scanned it into XXXX Scan to send as a pdf back to XXXX XXXX for my employee file. 
I was informed via the contract that the equipment ( computer, printer, desk necessities, etc. ) required for the position was mandatory to have, but all expenses would be covered by the company. I inquired about whether I would have to pay for the equipment and then be reimbursed for it or if the company would send the money up front for a budget for the equipment, and XXXX informed me that the company would send a check for me to deposit into my bank account for the equipment. I was sent the check and I deposited the funds into my account ; the XXXX was written for {$4800.00}. With banks, or my bank in particular ( XXXX XXXX ), the funds of the check show as if they are in my account and the amount is spendable before the back end of things is officialized and the check is officially processed manually, according to my banker. I wanted to be safe and wait until the check was fully processed before I moved forward with buying the equipment, but XXXX staff informed me that its important to get the equipment as soon as possible to begin working in the position I was hired for, which I understood. 
XXXX XXXX then put me in touch with the XXXX XXXX Procurement Manager, XXXX XXXX, which I was contacted by via text from the phone number provided on the claim information. XXXX walked me through the rest of the financial aspects of the position. He informed me that for the equipment, since the company sent me a specific amount, this was for an affiliated company that supplied all of the supplies and equipment for the company, and the reason that XXXX XXXX didnt send the equipment directly to the employee is due to previous shipping and receipt issues, which I understood. He also informed me to forward the funds from the check in total to the affiliated company in order for the equipment to be ordered with my specific information already on file. 
Originally, on XX/XX/year>, a wire transfer was attempted through my banks mobile app, and this was not successful. We had also tried just a simple external transfer, which was also unsuccessful. Then, once it was confirmed that the forward of funds wasnt successful, on XX/XX/year>, a XXXX transfer was attempted and still had no luck. I was getting mildly irritated at the situation because I wanted to get the funds transferred to the affiliated company and staff so I could officially start my position at XXXX XXXX as a XXXX XXXX, and XXXX seemed very understanding and supportive for the first while. The last method of fund transferring that was attempted was CashApp. 
He assured me that the accounts were registered business accounts, but since the amount of money being forwarded was so large, the only way that it could be transferred in CashApp was via Bitcoin. I was very unfamiliar with transferring this amount of money, and he seemed to be very knowledgeable. He said that we would start with transferring only {$2000.00} of the funds first to be sure that the transfer would work, and he walked me through the process step by step of sending the money through Bitcoin, and the transaction was completed with no complications. He confirmed with me that the transaction went through on his end as well, and that we would make sure the balance reflected on both my bank account and the XXXX affiliate business and we would forward the rest of the funds the next morning. 
Later in the evening after the {$2000.00} in Bitcoin was fully processed and transferred out of my account, my bank account balance was suddenly in the negatives by well over {$3000.00}. I was confused and very scared, so I contacted my bank immediately, and they had informed me that the original check of {$4800.00} that was deposited into my account had been refunded back to XXXX XXXX due to incorrect account information and a chargeback due to that information. Incorrect account information should have been impossible because it was a check that was scanned clearly and successfully into my bank account, unless the check was faulty. 
I then immediately reached out to XXXX, who was assisting me with the money transfer difficulties, and he said that he would have another check sent over to me. I received this check, and all of the information on the check was the exact same as the previous check that bounced from my bank account. The next day, I confirmed with my banker that the entire employment offer and company had scammed me out of {$2000.00}, and if I had proceeded with the further planned transactions that they would have stolen the full {$4800.00} out of my account, plus more if I deposited the second check XXXX XXXX had sent me. They now have my email and phone number which is attached to several online accounts such as XXXX, Indeed, my bank accounts, accounts for student loans, and many social media platforms, as well as my legal handwritten signature which they could use to forge my identity. 
XXXX XXXX and staff have refused to cooperate with me as far as refunding the {$2000.00} that is missing from my account is concerned, and they have yet to reach out to me once I confronted XXXX XXXX about the issues I faced with their company. 
I plan to file a separate claim in regards to my experiences with CashApp due to their lack of security and flags/warnings on accounts frequently involved with these sorts of transactions. I want something done about this company and the staff involved in laundering peoples funds who are in need of employment. I no longer have the money to pay my bills, afford groceries, or pay my loans. XXXX XXXX has heavily and negatively impacted my financial stress and instability, since I was job searching for the sole reason of needing more income to afford my monthly expenses. 

As stated above, I am filing a complaint against CashApp due to their lack of security measures with account interactions and proper warnings and notifications of accounts that are commonly associated with fraudulent transactions. I was instructed by XXXX XXXX from XXXX XXXX to send the {$2000.00} in Bitcoin to an account that had a seemingly official link and user profile that was business-affiliated, but there were no signs, warnings, or anything about the account Im sure has been used plenty of times for the same transactions. Additionally, with a large amount of money that was being transferred whether it be in Bitcoin or otherwise, there were notifications to verify the amount, verify the sender, etc., and I could have potentially sent the funds to an entirely wrong account with no way of fixing it. 
Not to mention, with an account that hadnt made any transactions over {$120.00} since it was made years ago interacting with an account that has probably made dozens of $ XXXX transactions even just in the past few months, there should have been a notification of suspicious account activity and a confirmation period after sending that much money on an account like that instead of immediately sending ALL of the funds at once while being non-refundable on the senders end. 
CashApp has no security in transfers, and theres no error-proof/scam-proof systems in place to prevent people from mistakenly sending large amounts of money to fake accounts, or even just the wrong account in general. The lack of assistance in verification and confirmation through the sending process is pitiful. I have already filed a strong complaint with the XXXX XXXX XXXX against both XXXX XXXX and CashApp, and I will be filing a complaint with the CashApp support team, and even the Federal Bureau of Investigation if I am not refunded my lost funds and further security measures are not taken to prevent others from experiencing this same loss. I can not afford to pay by bills, I have to cut back severely on groceries/food, and I will be late on all of my monthly loan payments and made to overuse my credit card, affecting my credit score negatively since I cant afford to make my payment on time this month since my bank account is so negative that I will not see a penny of my paycheck for another month, thanks to CashApps terrible security.

Company response to consumer: Closed with explanation