Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Previous Claim XXXX was closed due to we are unable to verify that you are the owner of the Cash App account in question. Cash App shares information in accordance with its Privacy Policy. 

When reaching out, please be prepared to provide the following information so that we may appropriately address your concerns The XXXX XXXXXXXX : XXXX XXXXXXXX ( XXXX XXXX XXXX ) Email address : XXXX Phone number associated with the account - XXXX On XX/XX/2025, at XXXX XXXX, I was defrauded of {$6400.00} by XXXX XXXX, who has since been indicted by a New York grand jury ( Case Docket XXXX ) for multiple fraud felonies. 

The funds were sent through Cash App XXXX ID : XXXX of the amount {$6400.00}. 

The recipient was XXXX XXXX, and in the payment memo I wrote : S.D ( security deposit ) & first month rent for XXXX XXXX XXXX XXXX XXXX. 

XXXX posed as a legitimate landlord/property manager. He showed me the apartment, provided deceptive lease documents, and induced me to transfer funds for first months rent and security deposit. Only later did I discover this was a sophisticated housing fraud with multiple victims. 

I reported the fraud immediately to both Cash App and XXXX  XXXX XXXX ( the linked funding account ). Cash Apps response : They refunded only {$250.00} out of {$6400.00} and then closed my claim, despite being given clear evidence : the deceptive lease documents, my XXXX police report, proof of multiple victims, and confirmation of XXXX indictment. 

XXXX  XXXX XXXX response : They also denied my Regulation E claim, saying that because I pressed send, it was authorized and thus a scam. I escalated to the OCC ( Case XXXX ), and although XXXX  XXXX XXXX reopened it, they denied it again on XX/XX/2025, telling me Cash App is the party responsible. 

This leaves Cash App as the payment provider directly responsible for handling this transfer under Regulation E ( 12 CFR Part 1005 ). Fraud obtained by deception is not a valid authorization I did not intend to pay a criminal, I intended to pay a landlord. 

Why This Violates Regulation E : Cash App failed to : Apply proper error-resolution procedures as required under Reg E. Provide provisional credit or reimbursement for the fraudulent transfer. Recognize that this was an unauthorized electronic fund transfer, despite the transaction being clearly induced by fraud.

The CFPB already fined Block , Inc. ( Cash Apps parent ) in XX/XX/2025 for this exact conduct, finding that Cash App : Failed to establish error-resolution procedures that comply with Regulation XXXX Misrepresented consumers rights in cases of fraud. Refused to reimburse fraud-induced transfers in violation of federal law. 

My case is a direct repeat of these violations. Evidence I provided Cash App transaction ID and memo ( S.D & first month rent for XXXX XXXX XXXX XXXX XXXX ). Deceptive lease documents created by XXXX XXXX. XXXX  police report and case number. 

Confirmation of grand jury indictment against XXXX on XX/XX/2025. Proof of multiple victims tied to the same fraud scheme. 

" XXXX District Attorney XXXX XXXX XXXX XXXX today announced the indictment of XXXX XXXX, XXXX, for allegedly stealing approximately {$20000.00} from at least five individuals by purportedly advertising a XXXX XXXX apartment for rent in XX/XX/2025. XXXX  is charged in a New York State Supreme XXXX  indictment with five counts of XXXX XXXX  in the XXXX XXXX, five counts of XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX and one count of XXXX XXXX XXXX in the XXXX XXXX. [ XXXX ] '' https : XXXX XXXX on Me. The {$6400.00} was my entire savings. I am a recent college graduate who moved to XXXX XXXX  XXXX with only two suitcases. Because Cash App refused to follow Regulation E, I have been left homeless and financially devastated. Requested Resolution I request that the CFPB : Compel Cash App ( Block, Inc. ) to reimburse the full {$6400.00} under Regulation E. Investigate Cash Apps systemic denial of fraud claims by misclassifying them as scams. 

Ensure Cash App brings its practices into compliance with the XX/XX/2025 CFPB enforcement order. Consumers should not lose everything simply because they were tricked into pressing send. This is exactly why Regulation E exists, and Cash App has failed to honor it.

Company response to consumer: Closed with explanation