Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent {$4000.00} via Cash App to $ XXXX in exchange for a promised product or service. No product or service was ever delivered. After waiting nearly four months and exhausting all efforts to resolve the issue directly with the seller, I filed a formal dispute with Cash App. 

Facts Supporting My Dispute : I attempted multiple times to retrieve the goods/services after payment was made. 

The seller claimed illness and hospitalization, but ultimately failed to deliver anything. 

No tracking number, shipping confirmation, or item was ever received. 

I sent a formal refund demand letter via XXXX  ( Tracking # : XXXX ). 

I filed police reports both in XXXX ( the sellers jurisdiction ) and in my home jurisdiction. 

I provided Cash App with clear proof, including : Screenshots of all communication with the seller, A copy of the refund demand letter, XXXX tracking confirmation, Police reports filed against the seller. 



Despite this extensive and valid documentation, Cash App denied my dispute within 24 hours, citing activity from my device. This reason is entirely unrelated to the actual nature of my complaint which is based on a breach of contract and fraud by the seller. 

I immediately submitted a formal appeal, requesting : 1. A copy of the evidence or logs allegedly justifying the denial ; 2. A specific citation from Cash Apps Acceptable Use Policy or User Agreement that I allegedly violated ; 3. A transparent explanation of the denial.

Cash App ( Block, Inc. ) refused to provide any of the requested evidence or explanation, and closed the case without further review. This directly violates : The Electronic Fund Transfer Act ( 15 U.S. Code 1693f ) which mandates a reasonable investigation of disputes and obligates companies to provide documentation upon request ; Cash Apps own Terms of Service and Acceptable Use Policy which require a fair process and protection against fraud and misuse of the platform.

Clear Misconduct by Cash App : Their stated denial reason ( device activity ) does not address the actual basis of my dispute : the sellers failure to fulfill their end of a transaction.

Cash App failed to conduct a proper, thorough investigation, as required by federal law.

They denied the dispute on irrelevant grounds and refused to show any proof justifying their action.

They failed to protect me as a consumer despite receiving overwhelming evidence of seller fraud.

Legal Demand : Given the above facts and supporting documentation, I am demanding : 1. A full reversal of the {$4000.00} transaction due to fraud and breach by the recipient ; 2. An official review of the mishandling of my dispute by Cash App ; 3. Disclosure of any logs or evidence used in their original decision which I have repeatedly requested in accordance with my rights under the EFTA ; 4. A formal written explanation of what policy I allegedly violated.

-- - This dispute is not about device misuse or user error it is about the seller, $ XXXX, committing fraud by accepting payment and refusing to provide the agreed service. My device was not compromised, and no unauthorized activity occurred on my part. The seller violated both the Acceptable Use Policy and the Electronic Fund Transfer Act. 

I have complied fully with the dispute process. I provided evidence, followed all procedures, and upheld every term of the User Agreement. Cash App did not. 

As such, I am requesting a reversal of funds as a proper remedy for the commercial dishonor caused by both the seller and the platform that failed to protect me.

Company response to consumer: Closed with explanation