Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
CASH APP AND XXXX XXXX XXXX XXXX SCAMMING AND SCHEME TO DEFRAUD. PLEASE SEE THE BELOW REPORT SHOWING CASH APP CRIMINALLY WORKING TO DEFRAUD CONSUMERS BY NOT REFUNDING MONEY A MERCHANT OWES ME AND PROMISED TO PAY BACK. INCLUDED IS THE SCAM ARTIST PUBLISHER, NAME, PHONE NUMBER, THE RECEIPT FOR {$200.00} STOLEN, SAMPLES OF THE BOOK PUBLISHER BOOK COVER SABOTAGE, AND THE XXXX XXXX EMAIL ASSURING I WOULD GET MY MONEY BACK AND CASH APP VIOLATED THE LAW BY DISREGARDING THE EVIDENCE AND NOT REFUNDING MY MONEY. CASH APP IS BEING USED FOR AIDING AND ABETTING THIS PUBLISHER FRAUD. CASH APP IS CRIMINALLY USING ELECTRONIC FUND TRANSFR LAWS IN A MANNER THE LAW WAS NOT INTENDED TO BE USED. CASH APP IS BEING USED TO FURTHER VICTIMIZE THE VICTIM AND WROTE A FRIVOLOUS RESPONSE SUBTERFUGING PAYMENT FOR MY REFUND. 

Subject : Formal Demand for Immediate Refund Due to Fraudulent Practices and Harassment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASH APP AND XXXX XXXX XXXX XXXX  SCAMMING AND SCHEME TO DEFRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASH APP CRIME INFLICTIONS include : 1. Wire Fraud ( 18 U.S.C. 1343 ) Wire fraud occurs when electronic communications are used to carry out a scheme to defraud someone of money or property. If Cash App is used as the medium for transferring stolen funds or enabling fraudulent transactions, this offense may apply. Each instance of wire fraud can result in : Up to 20 years in prison, Substantial fines, and Restitution payments to victims. 
If the fraud affects a financial institution or involves disaster-related fraud, penalties can increase significantly. 

2. Aiding and Abetting Fraud ( 18 U.S.C. 2 ) Aiding and abetting occurs when an individual or entity knowingly assists another party in committing a crime. If Cash App fails to implement proper safeguards ( such as verifying user identities or flagging suspicious transactions ) and this negligence enables fraudulent activities, it could be considered complicit under aiding and abetting laws. Penalties depend on the underlying crime but typically mirror those for the principal offender. 

3. Conspiracy Against Rights ( 18 U.S.C. 241 ) Conspiracy against rights involves two or more parties conspiring to deprive someone of their constitutional rights under color of law or through illegal means. If Cash App knowingly facilitates theft that deprives individuals of their property without due process, it could be implicated in this charge. Penalties include : Fines, Imprisonment up to 10 years, and Enhanced penalties if bodily harm results from the conspiracy. 

4. Money Laundering ( 18 U.S.C. 1956 ) Money laundering involves processing illicitly obtained funds to make them appear legitimate. If stolen money is funneled through Cash App accounts with its knowledgeor if its lack of compliance with anti-money laundering ( AML ) regulations allows such activityit could face charges under this statute. Penalties include : Up to 20 years in prison, Fines up to {$500000.00} or twice the value of the laundered funds, whichever is greater.

5. Negligent Facilitation of Fraud ( Civil Liability ) While not strictly a criminal offense, negligent facilitation refers to an entitys failure to take reasonable steps that prevent fraudulent activities on its platformsuch as failing to validate users identities or investigate disputes adequately. This can lead to civil lawsuits seeking damages from victims who suffered losses due to these lapses.

Company response to consumer: Closed with explanation