Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Introduction I, XXXX XXXX XXXX XXXX XXXX  XXXX am submitting this formal complaint against Cash App for the closure of my accounts, which occurred without notice, factual basis, or consent. These actions represent a violation of my constitutional rights, statutory protections, and principles of due process. 

Background On [ XX/XX/XXXX ], Cash App arbitrarily closed my accounts without providing any factual justification or prior notification. The closures were allegedly based on assumptions that I engaged in prohibited activity ; however, these allegations are baseless, unsubstantiated, and discriminatory. 

Furthermore, the closures caused harm by depriving me of access to my funds, interfering with my ability to transact, and damaging my financial standing. Cash App has failed to address this issue despite my requests for an explanation and resolution.

Violations 1. Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) Under the Equal Credit Opportunity Act, creditors and financial institutions are prohibited from taking adverse actions based on discriminatory assumptions or arbitrary decisions. 

Maxim of Law : " No one is to be punished for the intent in their mind, which does not appear. '' Case Citation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Established criteria for proving discrimination in decisions by institutions. 
2. Breach of Due Process By closing my accounts without notice or opportunity to dispute the claims, Cash App deprived me of procedural fairness guaranteed under the Fifth Amendment of the U.S. Constitution. 

XXXX XXXX XXXX XXXX XXXX  Justice is to be denied to none. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. 67 ( 1972 ) : Individuals can not be deprived of property or rights without adequate notice and opportunity to be heard. 
3. Fair Credit Billing Act ( 15 U.S.C. 1666 ) If these closures are related to alleged billing issues or errors, Cash App violated its duty under the Fair Credit Billing Act to notify and correct such errors promptly. 

XXXX XXXX XXXX XXXX " An omission is equal to a commission where duty is imposed by law. '' XXXX at Large : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Requires financial institutions to investigate and resolve billing disputes in good faith. 
4. Breach of Fiduciary Duty Cash App, as a financial custodian, owed me a fiduciary duty to safeguard my accounts and act in good faith. The closures constitute a breach of this duty, which caused harm to my financial interests.

Maxim of Law : " He who acts in bad faith gains no right. '' Case Citation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary duties require fairness and good faith in handling customer assets. 
5. Discrimination and Targeting Cash Apps actions suggest discriminatory targeting without factual evidence, violating fundamental anti-discrimination laws. 

XXXX XXXX XXXX XXXX XXXX  The law does not permit any person to be oppressed by another. '' Case Citation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes the need for institutions to respect individual rights without unjustified burdens.

Relief Demanded I hereby demand the following relief : Immediate Restoration of Accounts : Reopen my accounts and restore full access to my funds.

Written Explanation : Provide a clear and documented explanation of the reasons for the account closures. 
Correction of Billing Errors : Investigate and address any alleged billing errors under the Fair Credit Billing Act. 
Compensation for Damages : Compensate me for financial harm, inconvenience, and reputational damage caused by these closures. 
Implementation of Policy Changes : Review and revise your policies to ensure compliance with applicable laws and avoid future violations.

Failure to comply with this demand within 15 business days will leave me no choice but to escalate this matter by filing complaints with the, Federal Trade Commission ( FTC ), and other regulatory agencies. I also reserve the right to pursue legal remedies in a court of law. 

Conclusion Cash Apps actions have caused me significant harm and violated my fundamental rights under federal law, maxims of law, and constitutional principles. I trust that Cash App will act promptly to resolve this matter in good faith and avoid further escalation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation