Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, fraudsters impersonating XXXX XXXX  defrauded me of {$1000.00} via Cash App ( Tx # XXXX : {$1000.00} principal + {$18.00} instant transfer fee ). Fraudsters instructed me to send funds to " secure '' my account, remove XXXX XXXX  from Cash App, and replace it with XXXX XXXX ( falsely claiming a " XXXX relationship '' ). 

Weeks later, I received an unauthorized XXXX debit card for " XXXX XXXX '' at my address. XXXX confirmed they closed the account for fraud. 

Timeline : XX/XX/XXXX : Fraud occurred XX/XX/XXXX : Reported to Cash App via app XX/XX/XXXX : Filed XXXX XXXX XXXX report ( incident # XXXX, XXXX. XXXX XXXX # XXXX ) XX/XX/XXXX : Followed up with Cash Appthey claimed no dispute on file. Called support ; official dispute logged ( Case XXXX ) XX/XX/XXXX : Cash App denied claim ( agent " XXXX '' ), claiming I " authorized '' transaction XX/XX/XXXX : Clicked link to request denial documentation ; received acknowledgment email ( XXXXXXXX XXXX  ) instructing me to reply with case number XXXX XX/XX/XXXX : Replied to XXXX with case number XXXX ( XXXX XXXX  ) ; no documents received yet XX/XX/XXXX : Emailed supporting documentation to XXXX, XXXX XX/XX/XXXX : Emailed XXXX XXXX XXXX ( XXXX ) requesting full police report XX/XX/XXXX : Filed in-app appeal citing Reg E violations ; escalated to manager XX/XX/XXXX : Received complaint acknowledgment XXXX from XXXX XXXX XXXX XXXX XXXX ; no resolution timeline provided XX/XX/XXXX : Filing CFPB complaint Cash App violated Regulation E : 1005.2 ( m ) : Fraudulently induced transfers = unauthorized EFT ( CFPB FAQs confirm imposter scams qualify, including fees ). I received NO benefitfunds went to fraudster. 

1005.11 ( c ) ( 2 ) : Failed to issue provisional credit within 10 business days ( dispute logged XX/XX/XXXX ; denial XX/XX/XXXX = 12 days with NO provisional credit issued ) 1005.11 ( d ) : Denied without providing investigation findings or proper error resolution notice required by law Failed to provide requested documentation ( requested XX/XX/XXXX, acknowledged but not provided ) Supporting evidence ( provided to Cash App XX/XX/XXXX ) : XXXX XXXX XXXX incident # XXXX ( XXXX. XXXX XXXX # XXXX ; full report requested XX/XX/XXXX. Pending receipt XXXX XXXX XXXX  phishing denial ( Ref XXXX ) XXXX XXXX XXXX confirmation + unauthorized card photos ( last XXXX : XXXX, name " XXXX XXXX XXXX XXXX Cash App denial email ( XX/XX/XXXX, Case XXXX, agent " XXXX '' ) Transaction statements showing {$1000.00} total Appeal acknowledgment ( XXXX, XX/XX/XXXX ) Documentation request acknowledgment ( XX/XX/XXXXXXXX XXXX XXXX XXXX  Request : Full refund : {$1000.00} ( principal + fee ) Investigation of Cash App 's repeated Reg E compliance failures Restitution for financial hardship ( account overdrafts, inability to pay bills, ongoing emotional distress ) Cash App 's internal complaint process has not resolved this issue. Filing CFPB complaint to enforce Regulation E protections.

Company response to consumer: Closed with explanation