Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I have money missing out of my balance on my cash app checking account I have my direct deposit set up on my cash app as well as I receive payments for odd jobs that I do in the evenings and on weekends throughout the week and the weekend. The most recent incident of missing money from my cash app account occurred this morning when I received money from a customer who I did yard work for just this morning XX/XX/XXXX in the amount of {$190.00} I didn't spend any of the money and I also have a {$50.00} overdraft protection because I have direct deposit and i hadn't used any of the overdraft protection. I went to work at my regular full-time job and after finishing my job i tried to make a purchase and pay using my cash app debit card but my purchase was declined so I was puzzled. I ended up paying with a different card on a different bank account and when I got outside to the car I pulled up my cash app to see what was going on. I honestly thought that maybe I had my card locked but it was not locked and it showed I had a XXXX balance and I had already used my {$50.00} overdraft protection. That is completely false. where did the XXXX go that I did not use and I had XXXX on my balance when I received the XXXX so I have several XXXX dollars missing from my cash app account and this isn't the first time I've noticed my money come up missing I've made several complaints about it I filed several tickets and they promised me that someone will be contacting me back when they figure out where my money went no one has contacted me to this day I just contacted them again and asked where my money was that I just received the XXXX and he started talking over me would not let me talk then he hung up in my face cash app is stealing my money and I need my money back another example is I have a loan taken out from cash app and I owe a balance on that loan of {$47.00} well every time I receive a deposit from a customer who pays me for a job I conpleted I get a notification that I received the deposit and that XXXX was paid toward my loan that I have with them and that my remaining balance on that loan is {$47.00} That's what it tells me every single time I receive money and they take 10 % and apply it to my loan balance it never changes from {$47.00} that was the first thing that raised a red flag for me and made me start looking at my bank transactions that's when I started noticing discrepancies and money missing out my accounts they're doing nothing about it they're not calling me back my tickets are not being resolved and my money is not going back into my account I need some help here please because this isn't the only bank that has done this to me and nothing 's being done about it and I only make {$15.00} an hour I can't afford for businesses to be taking my hard earned money and im homeless! XXXX XXXX  was taking my money and when i caught onto it and contacted them and informed them i was filing with the FTC then emptied my account and closed the account they hit my credit report with false information saying i was 90 days past due on a XXXX dollar loan i got from them. They never loaned me a dime! That derogatory remark is still on my credit and I never got my money back that was stolen out of my account why is nothing being done about this? XXXX XXXX XXXX XXXXXXXX XXXX XXXX my money. The day I open accounts at XXXX XXXX I made XXXX transactions I had just enough money in my credit union with XXXX XXXX XXXX open a checking account and start it with {$20.00} open a savings account start it with {$20.00} and open a certificate of deposit or a CD and I started it with {$15.00} All three transactions went through from my credit union cuz I got each notification as they went through and therefore my accounts should have been opened and in good standing at XXXX XXXX but they were not I go I didn't do anything with the accounts I wasn't going to mess with him I was going to let them draw interest and I was going to save That's what the whole point was but like a week or XXXX later I get an email from XXXX XXXX telling me that my account is going to be penalized or I'm going to have to pay a an overdraft fee because of the insufficient funds on my account My checking account I was confused so I called in to see what the deal was he proceeded to tell me that when he debited my credit union account for the {$20.00} the first {$20.00} to open the checking account it was declined for insufficient funds so he tried it a second time and the second time debited the {$20.00} out of my credit union account and into my XXXX XXXX but because the first transaction that they did was declined for insufficient funds then they hit me with the {$25.00} insufficient funds fee for the transaction not going through so he said The other XXXX transactions he said went through the CD was opened I also had the savings account open with the correct amount in it so I called my credit union my credit union about why they declined the payment cuz they didn't hit me with insufficient funds fee and I find out from my credit union that they hit me with a {$35.00} insufficient funds fee because the credit union debited my account for the first XXXX and they honored that because I had that in my account then the credit union turned around XXXX XXXX of minutes later and tried to debit my checking account a second time for another {$20.00} and that's the {$20.00} that my credit union declined for XXXX XXXX cuz I did not have the funds to cover it and I do not have overdraft protection turned on at my credit union for this very reason so I got hit by them for the XXXX by the XXXX XXXX XXXX  for their XXXX XXXX XXXX which put me in the negative Now they hit my credit report with a derogatory remark saying I owe them a balance at the bank that I bailed out on them own a balance but my certificate of deposit and my savings account is XXXX I don't know where they went so I mean you know I'm really confused about all these fraudulent banks and credit repair businesses but it's really messed up that they can put those lies on my credit report and I can do nothing about it and to get it removed because I've filed disputes on it I've tried to get it removed I've filed with FTC I've filed with the Attorney General I filed with the CFPB and no one has done anything nor have they contacted me and gave me any direction on what i can do. Please help

Company response to consumer: Closed with explanation