Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
Hi, I am writing to formally dispute the unauthorized debit of {$870.00} that was withdrawn from my personal linked bank account on XX/XX/2025, and to demand immediate resolution and compensation for Squares ongoing negligence, misinformation, and disruption to my business. 

On XX/XX/XXXX, I submitted a mobile deposit for {$870.00}, which was declined shortly after due to blurry imagery. I re-deposited the same check at XXXX XXXX that day, and it showed as pending. 

On XX/XX/XXXX, I contacted Square support to confirm the checks status and was assured that it was legible and would be processed normally, with funds typically becoming available within 6 business days. 

However, on XX/XX/XXXX, I received an email stating the system showed the check had been deposited twice and that {$870.00} would be deducted due to double payment. I called support immediately and was told the first deposit had been declined and that only the second deposit was valid. I was advised to disregard the email, as it was an automated message. 

Later that same day, I received another email with the same message. I called again and received the same instructionsto disregard the automated email. 

Despite this, on XX/XX/XXXX, {$870.00} was debited from my personal bank account, which resulted in a negative balance. I called support again, and the representative confirmed this was a Square error and escalated the case for resolution. However, no resolution has occurred. 

Then on XX/XX/XXXX, I received a phone call from a Square representative who assured me that the matter was fully resolved and that everything was in good standing. Based on that confirmation, I made the decision to continue using Squares platform for my business.

Now, I have discovered that Square is holding my funds and applying all card processing activity toward the same unresolved {$870.00} balancethe very amount that was wrongly deducted from my personal account. I am being told the dispute was never resolved, despite being assured otherwise just days ago. 

This is completely unacceptable. Your ongoing mishandling of this situation has disrupted my business operations, impacted my personal finances, and caused emotional stress. Square has provided inconsistent and inaccurate information at every turn, and I am no longer willing to tolerate this negligence. 

I am demanding the following : 1. Immediate return of the {$870.00} wrongfully debited from my personal account ; 2. Immediate release of all funds currently being held from card transactions ; 3. Written confirmation that this matter is resolved in full and that my Square account is no longer subject to withholding or incorrect negative balances ; 4. Appropriate compensation for the financial harm, emotional distress, and loss of business continuity caused by this situation. 

If this is not resolved immediately and in full, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action for the financial and reputational damage Squares negligence has caused.

Company response to consumer: Closed with explanation