Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Cash App / Block Inc regarding XXXX fraudulently induced unauthorized transfers totaling {$2600.00} from my account, both funded via my XXXX Bank debit card ending XXXX. Transaction XXXX : {$2000.00} to Cash App user XXXX, cashtag XXXX XXXXXXXX, a stranger not in my contacts. Initiated XX/XX/year>. Cash App transaction number XXXX. Transaction XXXX : {$600.00} to Cash App user XXXX XXXX, cashtag XXXX XXXX, also a stranger not in my contacts. Initiated XX/XX/year>. Cash App transaction number XXXX. The {$2000.00} transfer was fraudulently induced. My Cash App activity log shows that immediately before this transaction, the same user XXXX generated a failed {$2000.00} transaction labeled " Hope this helps '' - a deliberate manipulation designed to create the false impression that money was coming TO me, causing me to accidentally accept what was actually a payment request that sent {$2000.00} FROM my account. I did not knowingly or intentionally authorize this transfer, received no goods, services, or benefit, and immediately requested a refund which XXXX actively and deliberately declined. Critically, the memo note on the {$2000.00} transaction reads " For for help '' and the memo note on the {$600.00} transaction reads " For for helping me with mra ''. The identical double word " For for '' typo appears on both transactions from XXXX supposedly different accounts. This is not coincidental. It is direct evidence that these XXXX accounts are connected and likely operated by the same person or fraud ring, and that neither memo was composed by me. The requesters pre-filled these notes. This pattern also suggests the {$600.00} transaction was a secondary scam commonly known as a money recovery scheme, where fraudsters who have already extracted funds from a victim pose as helpers to extract additional payment under the guise of assistance. Furthermore, Cash App shows that XXXX XXXX has been paid by people in my network previously. This indicates a targeted social network fraud scheme where the fraudster identifies and exploits connections to prior victims. Cash App has this network data and failed to use it to flag or prevent this transaction. Both recipients are strangers not in my contacts who deliberately and actively declined my refund requests after receiving the funds. Innocent recipients of mistaken payments do not typically refuse to return them. Active declination is evidence of fraudulent intent. Cash App has failed to investigate the connection between these XXXX recipient accounts, the fraudulent failed transaction used to induce the {$2000.00} payment, device and session logs for both transactions, fraud pattern indicators, or the request and payment flow. Cash App has made no effort to freeze the recipient accounts, recover the funds, or provide any substantive response to my report. As a platform holding consumer funds and facilitating electronic fund transfers, Cash App has independent obligations under Regulation XXXX and CFPB supervisory authority to meaningfully investigate consumer fraud reports. It has failed entirely to meet those obligations here.

Company response to consumer: Closed with explanation