Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX seen over XXXX Individually different fraudulent transactions hit my Cash App account right after I got my financial aid dispersement on XXXX XXXX XX/XX/XXXX I Received over a XXXX different transactions in {$1.00}, {$4.00}, {$9.00}, {$5.00}, XXXX, $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX I blocked all these transactions from coming into my account when i noticed the fraudulent activity.O never made transactions like this in the past and the transactions were still coming to my acct even though I blocked them. 
XXXX I Disputed the transactions for XXXX XXXX XXXX XXXX XXXX XXXX Claims for unauthpriced purchases. I called XXXX on XXXX and they said that these transactions were not XXXX at all that they are not transactions they ever completed. It is just a transaction with the location of their corporate headquarters. 
XXXX XXXX XXXX were denied due to not being truly a XXXX XXXX. 
XXXX XX/XX/XXXX - I To make a dispute through the Cash app dispute process through their application and every time I went to start the dispute and the app had a searching icon and did not let me ever make a dispute on the app. O couldn't get passed the XX/XX/XXXX transactions after I blocked them. 
XXXX ( XXXX phone call ) Cash App made me singly dispute every single transaction along with provide answers to XXXX different questions per transaction for the XXXX plus transactions dated XXXX. I was asked to provide evidence which I Uploaded my identity theft information along with the police report at FTC report and my 14 039 IRS form for identity theft and my California State tax information stating that they knew that I had identity theft this year. 

XXXX I received an email stating that none of my disputes were gon to go through because my identity wasn't verified. I know that block inc. Has a policy to not trade or disperse XXXX through the cash app application unless you verify your live identity front and back and alive picture feed of your face and your face to the side. I had done this 2 times that I purchased XXXX in XXXX of XXXX and XX/XX/XXXX. I have verification emails stating that my identity was verified. Somebody went into my account at cash app headquarters and deleted my verification of my identity to detour from my transactions being submitted as fraud. 
XXXX I submitted my identity information agwith live feed which they asked for. 
XXXX My identity was verified and submitted in an email stating my identity was verified. 
XXXX My cash app account was closed due to my verification my identity wasn't submitted when it was submitted and I made many calls and complaints to cash app on this day. 
XXXX I noticed my statements and found out that I had more fraudulent charges in XXXX and also dating all the way back to XX/XX/XXXX. I submitted all disputes from XX/XX/XXXX and on that I knew were actually fraudulent. XXXX more disputes were submitted. I went through all my XXXX accounts and subscriptions through android and found out I only had one recurring charge that ever happened. 
XXXX I was confirmation that my dispute was denied due to identity verification not being completed. 
I sent numerous emails with proof that my verification of my identity was done and Under my claims after my identity was submitted on XXXX it said that I had nothing else I needed to do it could take up to 45 days max for a dispute to go through 10 days a specialist will be incontact with me. Every person I talk to told me that there's nothing I need to do they'll catch it and you won't have any problems with the dispute just let it go and so I let it go. 
XXXX cash app says under each claimed dispute for fraudulent transactions that identity isn't verified and their investigation is complete. 
XXXX I made a video of my account to show that I should have been credited back during that time that all my transactions were crossed out under my history part of my transactions through cash app and they never gave me a credit back because they said that my identity wasn't verified and they weren't gon na give me my account so they locked me out of my account and instead of me getting a credit back I got locked down instead. 
I made a video of this because I knew the second I called Cash App And stated the law from consumer affairs and they unlocked my cash app but I wasn't allowed to put another dispute through because once you do it you can't do it again. Even though my identity was verified already way prior to that and I was being told that's why they denied my dispute. 
I contacted the federal trade commission about this and the XXXX XXXX XXXX. I noticed that on my cash app account I have screenshots of everything showing how I have not sufficient funds and these people are trying to take out money all the time when I don't have any funds to take out. 
Sent many emails showing all the fact I even got a XXXX spreadsheet to highliggt With different transaction from fraudulent transactions identity verification dates depsoit dates and verified with proof transaction. 
Happen to make someone singly dispute every single transaction and answer 6 questions is very deteering towards anybody trying to make a dispute for anything like that especially when you had a XXXX disputes to make and you had to put evidence in each one of them 's for proof. 
I kept all my evidence with that video of the transaction XXXX disputed the first XXXX and they crossed all those transactions out and I was supposed to give an provisional credit but instead they took my verification of identity off so I would get locked out of my account and I couldn't get the provisional credit and I had the proof because right after I did that it all changed and I got a video of that too. 
This is obviously A computer making these transactions and I'm not the only one this is happening to this is happening to so many other people in the world and they're not doing anything about it or putting blocks to prevent fraud or make verifying transactions when they look fraudulent I don't know why they wouldn't do this considering that so many people use them and make money off them every day. 
XXXX Received an email from their specialist at cash app stating that I would have to go redispute all my transactions in order to wait 45 more days to have the transactions reviewed again but I wouldn't be able to get a provisional credit that was stated in the text. That yes my Identity was verified on XX/XX/XXXX. With no apologies making it seem that I had to confirm my claims I thought I'd confirm my claims when I made the claims on the phone with the agent. He said my disputes work had gone through and yeah your claims are submitted I don't know why they're saying I've had to verify my claims afterwards when I did verify my claims. 
XXXX The next email I received stated that the CFPB Had a settlement that I'm entitled XXXX a XXXX XXXX from cash app for issues amongst these deceitful ways and unethical ways of treating our customers like they're idiots. It would give someone enough of a headache just to dispute a XXXX different transactions individually it took me 2 work days 3hrs call and another 3hrs call to make my first XXXX plus disputes on XX/XX/XXXX and XX/XX/XXXX They make you want to give up and not go through with anything and it's determined to make you want to do anything like that no other banks do that and other banks would have froze up the account and verified that you knew the funds were being transacted at the account they wouldn't let them continue. 
They owe their customers a fidiciary duty Since they make them so much money and they're such a popular application. But when you are making deposits to their bank they make you a confirmation that you are an account holder now not a prepaid account holder a debit account holder and I have a right to have my transactions disputed correctly not wait over 90 days now to be able to get my transactions disputed. 
XXXX The same issue I had trying to dispute the first transactions with With it just searching and searching on the application was still happening so I called cash app and I had to make over a XXXX plus Fraudulent disputes that you took almost a 5 hour phone call. That's 3 days I've been out of work and I had to sit there and deal with this and give myself a XXXX trying to figure it out or just give up which they hoped I do. And now I have to wait longer for my money and this dress is too much this is wrong that they're not doing what they're supposed to as a debit account holder and why are they able to delete my identity. And then my transactions don't go through and now I have to have it resubmitted because my identity was verified when it comes down to it. I even had to send them screenshots just to let me make another dispute and read issue out all the claims because they didn't believe me that I was able to make another claim for the same disputes so I had to send them screenshots to the email because they said that's not allowed. This is happening to so many people and it's a computer system that's doing this and I don't doubt it's from someone from Cash App that's doing it because of all that My statement being different from the actual cash app profile. 
Another detail I noticed that non sufficient funds Transactions was from XXXX pay which is XXXX 's pay account information to a guy named XXXX XXXX. He tried taking out {$3.00} and XXXX dollars out of my account when there wasn't sufficient funds in my account along with XXXX. I had so many non sufficient funds transactions that were done on that account they should notify me of this so this would have never happened in the first place and why they weren't letting transactions approve when no one person can make XXXX total XXXX trans. In one minutes time and back to back for the next 4 minutes that 24 trans in 4 min only a computer could do something like that. 

Thank you

Company response to consumer: Closed with explanation