Consumer complaint received 2026-01-03 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: DC

Complaint narrative:
FORMAL BUSINESS SETTLEMENT DEMAND TO : Cash App Legal Department / Block , Inc. XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX FROM : XXXX XXXX BUSINESS : Fashion Junkie Mobile Store ACCOUNT TAG : $ XXXX ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX PHONE : XXXX DATE : XX/XX/XXXX # # # I. ITEMIZED AUDIT OF UNAUTHORIZED ACTIVITY This claim disputes a series of unauthorized transactions involving XXXX. On XX/XX/XXXX, at XXXX AM, in XXXX account holder received confirmation that the card was LOCKED. Despite this, the following activity occurred : XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) and XX/XX/XXXX : 1. XXXX AM : {$2.00} COMPLETED ( Approved after card was locked ) 2. XXXX AM : {$2.00} DECLINED ( Unauthorized bypass attempt ) 3. XXXX AM : {$2.00} PENDING ( Unauthorized bypass attempt ) 4. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 5. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 6. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 7. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 8. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 9. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) 10. XXXX AM : {$2.00} DECLINED ( Repeated bypass attempt ) # # # II. LACK OF CONSENT & RELATIONSHIP WITH XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have absolutely no subscription, merchant agreement, or business relationship with XXXX ( XXXX ). The claimant has never authorized any recurring charges or service contracts. The fact that XXXX separate attempts were made against a locked business account identifies a major security failure in Cash Apps infrastructure. 


# # # III. CONSEQUENTIAL DAMAGES TO SELF-EMPLOYMENT BUSINESS Under Regulation E ( 12 CFR 1005.6 ) and the Electronic Fund Transfer Act, I am seeking a settlement for the following : 1. Infrastructure Breach : This account was my primary customer payment portal. Due to this security failure, it is now a liability. I have been forced to cease all operations on the $ XXXX portal, causing a total halt in business income.

2. Loss of Revenue : As a self-employed business owner, the time required to build a new payment site has resulted in a direct loss of profit and business opportunity.

3. Investigation Expenses : I have incurred gas and travel costs to physically visit WMATA locations to investigate these unauthorized hits on my account.

4. Reputational Damage : I have had to notify my professional network of a security breach, damaging the trust of the XXXX XXXX XXXX XXXX brand. 


# # # IV. FINAL SETTLEMENT DEMAND I seek a settlement for these direct and consequential business damages. Failure to provide a response within XXXX business days will result in the commencement of formal litigation. 


Signed : __________________________ XXXX XXXX, Owner of Fashion Junkie Mobile Store -- - CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Attorney General ( DC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation