Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
So this is actually the second time cashapp has closed my account, first because they refused to get my funds back for a purchase I did not make and now for some alleged violation of their terms of agreement though I only take payments for services rendered doing XXXX work and most certainly have violated no terms. They both times refused to tell me anything just that they can confirm my account is closed. Last time it took me getting the company that took my funds fraudulently returning every XXXX  of it for them to reverse the decision. This involved over a week where my money was literally locked into my account there and I could not get it out ( my bank at the time was a competitor they refused to allow me to withdraw to or even add as my bank ). This time I already had an account somewhere they allow only because of the issue from last time so I got my money out immediately. They have thus far refused to allow me a fair chance to prove they are wrong as they wont even tell me what term I supposedly violated so its impossible to gather proof of their incompetence as I dont even know which of their numerous pages of terms they are accusing me of violating. This is absolutely unacceptable from a banking institution and has cost me the ability to take payment from some of my clientele and has brought real world damages to my business. These guys legit have the worst customer service ever, they refuse to tell you anything then act like they have given you information and once escalated they again claimed that they had given me the outcome of the escalation in spite of not having done so. This has to literally violate laws of some variety cause its deceptive and shady and has messed with money that is not theirs without any ability to defend my business. Please hold them accountable for what seems like a gross over stepping of a financial institutions bounds. 

Its simple. I want a chance to properly defend my account which has not and does not do any of the things they say arent allowed. Thus an explanation of what they suggest was the violation is required so I can furnish undeniable proof that they are incorrect in their assumption. Either way, if they are going to mess with someones money that person deserves to know exactly why they have chosen to do so. As such I demand to see their proof and an explanation as to which term they claim has been violated. Id put money on them not having any proof of a violation of their terms ( cause Im not using my account for illegal purposes accepting funds for XXXX  work ), which means they arbitrarily chose to mess with my income in sudden and very disruptive ways while making it XXXX  difficult to get your funds back out of their clutches. A simple XXXX search will show this is a common practice from these scammers and many of the users were not able to get their money back out so they lost their funds.

Company response to consumer: Closed with explanation