Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I was the victim of an organized online puppy scam that used Cash App to collect multiple fraudulent payments totaling approximately {$6100.00}. Despite providing screenshots and proof showing that no puppy or services were ever delivered, Cash App denied my dispute and refused to re-investigate. This was a clear case of fraud-induced payments, not a buyers remorse issue. I am requesting that Cash App reopen my case, classify it correctly as fraud under the Electronic Fund Transfer Act, and issue a full refund. 

Despite this evidence, Cash App closed my dispute stating that I received the Cash App sent a message saying they had completed my request for documentation and would take no further action. They refused to explain their reasoning or reopen the case, even though I provided screenshots showing that the seller and fake delivery agency scammed me. 

Dates : XX/XX/XXXX. First payment. Down payment for the dog to be placed on hold for me. It was XXXX. 
XX/XX/XXXX. Second payment. Final payment for the dog before I even picked her up. It was XXXX. 
XX/XX/XXXX. Third payment. Said the dog needed a food payment. I sent XXXX dollars more. 
XX/XX/XXXX. Said she needed payments for final vaccinations, still no dog. Paid XXXX She said asked for a XXXX payment because apparently the dog swallowed something. I helped out by only paying XXXX on XX/XX/XXXX and another XXXX on XX/XX/XXXX. 
I had asked my dog to be picked up on XX/XX/XXXX. Well the night before her pick up, she apparently had an emergency and we could not pick up our puppy. She said she would contact an agency to bring us our puppy. The agency had asked for thousands of dollars more. 
XX/XX/XXXX. We were asked to pay for a crate air conditioned transport crate for XXXX. 
Now they wanted us to pay insurance. XXXX, XXXX, XXXX. The lady we had bought the dog from said she would help pay. She said that I only needed to pay XXXX dollars and she would cover the rest for the XXXX. Well she ended up saying that we took too long and the only insurance plan we can go with is the XXXX. 
So she asked me to pay XXXX on top of the XXXX. 
XX/XX/XXXX. The payment for the crate was XXXX. 
XX/XX/XXXX. The other payment for the crate XXXX. 
Now they asked for XXXX dollars for a nanny fee. 
XX/XX/XXXX. XXXX dollars sent for the nanny fee and told this was the last fee. 
They ended up calling me saying since the dog was with them for extra days they needed XXXX for a 3 day nanny fee XX/XX/XXXX. XXXX dollars was sent for the additional nanny fee and again I was told this was the final payment. It was sent in increments of XXXX. 
Now the dog ended up with XXXX after they said the nanny fee was the last payment and requested another XXXX. I ended up in an argument with the breeder on how I still havent gotten my puppy and she said she would pay half to ensure, I got my puppy. 
XX/XX/XXXX. The last payment I sent was XXXX. In increments of XXXX, XXXX and XXXX. 
And now XXXX said she didnt have the other XXXX and tried to get me to pay. Thats when I stopped responding blocked both and reported them. I also reported my card stolen and filed the disputes on XX/XX/XXXX when my payments were done pending. Along with the other ones in XXXX. 
I have provided the proof that I think is very important to the case, I have tons more proof if needed.

Company response to consumer: Closed with explanation