Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
The company I wish to file a complaint against is Cash App. I am a user of their service. On XX/XX/XXXX, while shopping online, I encountered a prompt stating that I could access full details associated with a specific phone number by making a {$1.00} donation. Out of curiosity, I entered my Cash App debit card details and submitted the payment. At the time, the interface indicated that the transaction was a {$1.00} donation ; however, upon completion, I discovered that my account had been debited twiceonce for {$3.00} and again for {$1.00}. Having encountered such a predatory company, I immediately blocked the entity named " XXXX '' within the Cash App interface. Six days later, on XX/XX/XXXX, I suddenly received an email notification stating that {$30.00} had been deducted from my Cash App account. I had not used my debit card at all at that time. Upon investigation, I discovered that XXXX had inflated the original {$1.00} donation amount by thirty-fold. I immediately contacted the Cash App technical support team to report the situation and formally dispute the transaction, asserting that the charge from XXXX was entirely fraudulent and that I had never authorized a transaction of {$30.00}. Cash App assisted me in filing the dispute ; however, I immediately received a follow-up email from Cash App informing me that my account had been temporarily frozen pending a review and was currently unusable. I contacted customer service once again to explain the situation ; they informed me that this is a standard procedure for Cash App and asked me to wait patiently. That same evening, I received their final decision : my account had been permanently closed and would not be reactivated. When I inquired about the reason, they simply stated that I had violated their Terms of Service. I was utterly astonished ; I felt that I was the victim in this scenario. I was also baffled as to why Cash App had approved this transaction in the first place. At the time, my account balance was {$0.00} ; Cash App utilized my {$25.00} " overdraft protection '' featurewhich was insufficient to cover the {$30.00} chargeand proceeded to push my account balance directly into a negative deficit of {$11.00} in order to satisfy the payment to XXXX. It is abundantly clear that my overdraft protection was inadequate to cover the full {$30.00} amount ; yet, Cash App approved this highly suspicious transaction anywayeven at the cost of leaving me with an additional debt of {$11.00}. While reviewing my account statements in bed, I discovered that the dataspecifically the transactions, dates, and amountswas completely fabricated. My mobile records indicate that XXXX charged me for two separate transactions on XX/XX/XXXX ; however, upon examining the monthly statement, I found that for the entire month of XXXX, XXXX was listed as having charged me only $ XXXXand that charge was dated XX/XX/XXXX. This contradicts the facts, as I am currently still required to repay a {$25.00} overdraft protection fee to Cash App, in addition to a - {$11.00} outstanding balance, totaling {$36.00}. Yet, if one goes by the monthly statement 's settlement figures, Cash App supposedly paid only {$11.00} to XXXX. Why does my account show two completely different settlement figures? Although Cash App is not a banking institution and reserves the right to close my account at any time without providing a reason, what if fraudulent activity is involved here? Any deceptive behavior targeting consumers is inexcusable. It is worth noting that after I filed a dispute regarding the transactions, XXXX sent me a receipt claiming that I had subscribed to some sort of membership service with them, valid until XX/XX/XXXX, with the subscription date listed as XX/XX/XXXX. This is absolute fraud. I had entered my debit card information and completed a {$1.00} donation on XX/XX/XXXX, and I had already initiated a dispute regarding the charges by XX/XX/XXXX ; how, then, could I possibly have subscribed to their membership on XX/XX/XXXX? They are doing this solely to cover up the truth about their unauthorized chargestheir acting skills are truly terrible. I have provided screenshots from both Cash App and XXXX to substantiate my claims. I sincerely hope that companies like these twowhich prey on consumersface severe penalties ; they have completely betrayed the trust placed in them by their customers.

Company response to consumer: Closed with explanation