Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CO

Complaint narrative:
Beginning on XX/XX/year> I began receiving emails from cash app that payments in different amounts were being declined due to insufficient funds. other email notifications described XXXX XXXX was attempting payments of different amounts that were declined due to insufficient funds. I called XXXX XXXXnd entered my information to find an account i they were attempting payment for. XXXX confirmed I have no account and they were not attempting to get a payment. I called cashapp and blocked those merchants, I was assured the merchants would not be paid. due to being blocked. I then got a notification that the payment DID GO THROUGH, which put my account in overdraft. I called to dispute the transaction and was told " just because a merchant is blocked, doesnt stop them from getting paid '' ( WHAT?! Was XXXX XXXX of blocking them OR REASSURING ME they wouldn't be paid? I then have a transaction from XXXX on XXXX 2026 where XXXX XXXX withhold more than the order amount ( due to produce being weighed or if an item is unavailable and is traded for an alternate brand/price ). When the XXXX transaction is completed and packed for delivery, they immediately release the overage funds. The XXXX order was delivered XXXX DAYS AGO, and CASHAPP will not release the overage funds, saying, '' the merchants release is still pending. '' I have spoken to XXXX as late as TODAY and they continue to tell me the funds were released on the date of delivery ( XX/XX/year> ) ( and its up to my XXXX XXXX to release it ) i called cashapp back and requested a XXXX, I was informed that management only communication was through email. The email received was completely clueless as to the problem at all. I informed cash app all further communication would be from legal counsel as I fully intend to file a lawsuit against cash app and they continue to postpone the date the overage funds from XXXX will be released, I was told on the phone they were to be released on XXXX XXXX, 2026. I then received an email again from management the funds were to be released no later than the XXXX. I was told again today on the phone it was going to be released in another XXXX days. When asked IF IT WAS TRULY " THE MERCHANT '' holding the funds why wouldnt cash app release them when the merchant did? How can you put any other amount of time on the release if you dont know when that release will happen and if its sooner than XXXX days why wouldnt they be released immediately, the call was transferred to the " refund team '' it sounds incredibly deceptive OF CASH APP to pay a blocked merchant, tell me its my responsibility to contact the ficticious entity and get a refund that put me in overdraft, not refund the overdraft, AND then withold funds that have been released by ANOTHER merchant 10 days ago. It seems like having been sued by the cfpb for deceptive consumer practices would change their behavior and it has not AT ALL. THEY CONTINUE TO ACT DECEPTIVELY, while consumers CONTINUE TO get scammed and DEFRAUDED even as cashapp has been ordered to repay MILLIONS to consumers as a result of this very behavior

Company response to consumer: Closed with explanation