Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : Subject : XXXX XXXX XXXX Cash App ( Block , Inc. ) Account Closure and Withheld Funds I am submitting this formal complaint regarding the unethical and potentially unlawful behavior of Cash App ( operated by Block , Inc. ) in relation to the abrupt and unjustified closure of my account and the withholding of my funds without recourse or communication. 

On or around XX/XX/year>, my Cash App account was unexpectedly closed without warning or proof of explanation or conclusion. Following this, I attempted multiple times to reach out to Cash Apps customer support to understand the reason behind this action and to arrange for the release of the remaining funds in my account. To this date, I have not received my money back, nor any concrete explanation, and have been denied access to withdraw or transfer the balance held in my account. I had a balance not including my other account that had bitcoin. You guys removed my account, Unlinked my email without my permission and are withholding my funds. 

This conduct is not only unethical but also appears to violate several consumer protection laws, including : Electronic Fund Transfer Act ( EFTA ) Cash Apps actions have denied me the right to access my own funds and failed to provide timely and transparent notice of adverse action as required under the EFTA. 
XXXX XXXX XXXX XXXX and Consumer Protection Act Cash Apps failure to properly investigate my inquiries or respond adequately may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under this law. 
Fair Credit Reporting Act ( FCRA ) If Cash App used any consumer reporting or internal risk scoring to make this determination without providing me proper notice, that could be a violation of the FCRA. 
Breach of Contract and Bad Faith As a user who abided by their terms of service, I believe this account termination and seizure of funds was done in bad faith and without proper justification. 

Furthermore, I am aware that Cash App is currently the subject of a class action lawsuit related to similar account closures and the illegal XXXX of funds from customer accounts without due process or recourse. The pattern of behavior they have exhibited toward consumers, including myself, reflects systemic malpractice. 

Relief Requested : Immediate reimbursement of the full balance that was held in my account at the time of closure.

Compensation for financial and emotional distress, loss of access to my own funds, and time wasted attempting to rectify this issue. 
Investigation and enforcement by the appropriate federal agencies to ensure Cash App is held accountable for these potentially unlawful actions. 

I urge the CFPB to take this matter seriously and investigate Cash Apps abusive and predatory practices. Consumers deserve better protection from companies that manage financial assets, especially when those companies appear to be operating without transparency or accountability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation