Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
Subject : Formal Complaint Against Cash App for Unauthorized Account Actions & Retaliatory Customer Service Block Company Name : Cash App ( Block, Inc. ) Product/Service : Mobile Payment Platform & Debit Card Issue Type : Unauthorized Account Restrictions/ Withheld Funds / Retaliatory Customer Service Block Details of the Complaint : I am filing this complaint against Cash App ( Block , Inc. ) due to multiple violations of my consumer rights, including : 1. Unauthorized Deactivation of My Debit Card Without Notice On XX/XX/2025, I discovered that Cash App had deactivated my debit card without prior notice or authorization. 

This prevented me from completing an important business transaction, causing financial harm. 

As a result, I was forced to use an alternative bank account, incurring an avoidable fee of {$2.00}. 



2. Unlawful Blocking of My Fund Transfers On XX/XX/2025, I attempted to transfer funds from my Cash App account to my linked bank account, but Cash App blocked my transaction without justification. 

This resulted in additional financial hardship, including {$12.00} in unnecessary fees. 



XXXX. Unjustified Removal of My Linked Bank Account Cash App removed my linked bank account without my authorization, preventing me from accessing my funds. 

This action violated the Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693, which prohibits financial institutions from unreasonably restricting consumer access to their own funds. 



4. Denial & Retaliatory Blocking of Customer Service Access When I initially discovered my debit card was blocked, I was able to reach a Cash App customer service agent. 

However, after this initial call, my ability to reach customer service was completely blocked. 

This retaliatory restriction on customer service access further prevented me from resolving my account issues. 

Regulation E ( 12 CFR Part 1005 ) requires financial service providers to allow customers to dispute transactions and obtain support, which Cash App has failed to do.

5. Financial & Reputational Harm Due to Cash Apps unlawful restrictions, I experienced financial loss, emotional distress, and reputational damage. 

While opening a new account at XXXX XXXX, my Cash App card was repeatedly declined, leading me to wrongfully accuse the bank employee of discrimination. 

This issue caused embarrassment, wasted time, and harmed my credibility. 




Relief Requested : I demand that Cash App : 1. Immediately restore access to my account, debit card, and linked bank account.

2. Refund all financial losses ( {$6700.00} in total damages, including lost time, fees, and emotional distress compensation ). 


3. Provide a written explanation for the unauthorized deactivation of my card, blocking of my transactions, and denial of customer service access.

4. Ensure future compliance with federal and state consumer protection laws.

Cash Apps actions violate multiple consumer protection laws, and I expect the CFPB to investigate this matter thoroughly. If my complaint is not resolved in a timely manner, I will pursue legal action.

Company response to consumer: Closed with explanation