Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I use cash app as a secondary place to store money for miscellaneous purchases, I deposit some money and then either withdraw it later or use my cash app card. On a Wednesday when I got paid I made a couple of deposits and then later withdrew that money when my bills went through, I see thrusday that the deposits and withdrawals all went through so I made another deposit paid for my cars gas, then withdrew the rest of the money and again the next day on friday I see that everything went through as intended and nothing was wrong. That following morning I wake up to a - {$150.00} in my cash app account and all it says is returned to and then my bank account. After calling my bank they told me that they didnt have any failed purchases or returned deposits or any money disputes, I even double checked my transaction log for my bank and cash app and not a single deposit for {$150.00} was made anywhere on cash apps side and XXXX XXXX After hours of trying cash app support and being told " good luck getting your money back '' from their customer support, and having them refuse to even try to solve it and just repeat back information I gave them or blame my bank and me, I sent a complaint on here and cash app did the exact same XXXX!!! They said since I agreed to their " contract of terms and conditions '' they legally aren't at fault and apparently in said terms and service it states any transaction faults are not their responsibility and to refer to your bank. That was the first thing I did and ive called them 3 times now asking the same questions and getting the same answers, THERE IS NO FAILED DEPOSIT BECAUSE OF INSUFFICIENT FUNDS, i told my bank my situation and what I needed checked, they helped me for hours and there was and always has been nothing to show that deposit, let alone that it failed and was returned or disputed. The fact is XXXX XXXXXXXX is supposedly " responsible '' for solving this but they dont have anything to solve because they have nothing on their end to fix or do. They have nothing to show that matches cash apps random claim, especially when I waited until the next day to see if they went through and every single one did, then you're telling almost a week later I randomly get a notification that im now - {$150.00} in my cash app account with no proof of transaction or record to even show what deposit on what day didnt go through, but all it shows is the day my account became negative which was that tuesday I believe and I made my deposits and withdrawals on Wednesday and thursday, by Friday morning they all went through no problems or disputes or anything. My bank and cash app account showed that what I had deposited and withdrew went through as expected. So if everything went through on both ends, why did I randomly become negative days later on a deposit neither bank nor cash app can find and provide details for?? Cash app i know you're reading this, first off I hope your customer support team gets to work every holiday with no bonus, Secondly you know someone on your end XXXX up and now you're trying to deny responsibility by just saying " oh well our terms say its your banks fault and not our problem '' but thats when an actual problem has occurred, not when a magical deposit i never made is disputed because of insufficient funds and somehow both cash app and my bank dont know where it came from just a probably explanation with no clear answers. I trust my bank because they care, I dont trust cash app because you're people basically told me to get XXXX and have fun losing my money in a tone that implicates you guys are at fault. When your customer support is telling people have fun and good luck getting their money back in sarcastic XXXX attitudes, then yeah you guys definitely just made my cash app account negative and are now denying everything and deflecting blame onto my bank with the terms of service as your safety bet basically saying, " see it says right here not our fault, told you so haha good luck getting your money back '' on multiple times cash app has implicated they were the actual cause of the problem and mocked me for it. Im not paying you money for a deposit that I didnt make, have no record or log showing I made it, or having documentation that it was denied or returned or disputed. I've said everything in every possible way so that you cant just repeat the same XXXX back to me in different words and just keep deflecting blame onto my bank who by the way also finds it suspicious that I was negative and neither they nor cash app could find it. Im not paying you {$200.00} for a XXXX mistake your company or app made, because its not me or my banks problem anymore

Company response to consumer: Closed with explanation