Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This correspondence serves as a formal notice of continuing legal and regulatory violations arising from Cash Apps handling of my account and its response to CFPB Consumer Complaint No. XXXX. 

Despite your XX/XX/year> response, Cash App remains in ongoing noncompliance with federal consumer protection laws and has failed to cure defects previously raised. Your response does not resolve the violationsit confirms them.

1. Continued Violation of Regulation E ( 12 C.F.R. 1005 ) Cash App continues to withhold : - The specific transaction ( s ) allegedly at issue - The precise Terms of Service provisions allegedly violated - Any factual basis or evidence supporting account termination Regulation E requires financial institutions to conduct a good-faith investigation and provide a meaningful explanation when consumer access to funds or services is restricted. A generic reference to possible violations does not satisfy this obligation and constitutes an ongoing violation.

2. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) Your assertion that Cash App may terminate an account at any time for any reason does not override federal law. The continued refusal to disclose the basis for termination : - Prevents meaningful review or appeal- Deprives the consumer of procedural fairness - Creates a coercive and abusive imbalance of power This conduct meets the statutory definition of abusive and unfair practices under 12 U.S.C. 5531 and 5536 and is compounded by the use of scripted, non-responsive communications.

3. Bad-Faith Reliance on Boilerplate Terms Courts have repeatedly held that discretionary termination clauses do not immunize companies from liability when exercised arbitrarily, discriminatorily, or without due process. Your response confirms that : - No individualized explanation was provided - No human review has been disclosed- No evidence has been produced This establishes bad faith performance and a failure of fair dealing.

4. Ongoing Harm and Exposure to Civil Liability Cash Apps continued refusal to cure these violations exposes the company to : - Civil liability for wrongful account termination - Statutory damages under Regulation E - State-level unfair trade practices claims - Discovery related to internal policies, automated decision-making systems, and discriminatory enforcement patterns DEMAND Cash App is hereby provided one final opportunity to cure these violations by providing, in writing : 1. The specific Terms of Service or Acceptable Use provisions allegedly violated 2. The specific tr
ansaction ( s ), dates, and amounts relied upon 3. Confirmation of whether the decision was automated or human-reviewed 4. Written confirmation that all funds remain fully accessible without restriction Failure to cure these violations will result in immediate escalation, including but not limited to : - Supplemental CFPB filings - State Attorney General complaints- Initiation of civil litigation without further notice Nothing in this correspondence constitutes a waiver of rights. All rights and remedies are expressly reserved. My cash app needs to be reactivated because they are in total violation of law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation