Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MO

Complaint narrative:
This is a response from SQUARE, BLOCK OR CASH APP?? Not quite sure anymore. I used square XXXX until they closed/locked me out of my account for no reason that I was made aware of. Other than square claiming a bunch of disputes that I didnt make nor did my customers. Maybe XXXX disputes were valid idk I wasnt given the opportunity for due process. Square froze me out for over a year. Finally able to access my account again. XX/XX/XXXXXXXX They claimed to have represented these items on my behalf which spanned over a year. Almost directly parallel to time I was frozen out of my account. XX/XX/XXXXcustomers & banking institutions have verified that no funds were sent back. Square has been holding proof of these facts and has been very aware yet refuses to acknowledge. XX/XX/XXXXupon miraculously being able to sign into my square account finally after XX/XX/XXXX. XX/XX/XXXX I linked my Cash App account as an external transfer account. Within a few days of verifying my Cash App account square attempted to try and withdraw that negative amount like thieves in the night.. XXXX XXXX XXXX every other day or So-just moments before XXXX. I called & emailed many many times. They basically advised me to contact Then comes Cash App, the last XX/XX/XXXX months of processing through cash app has been Almost mesmerizing. The illegal XXXX violations, regulation violations & their customer service is truly appalling. They seem to not be in fear of any regulation violations whatsoever. They have become overly brazen with manipulating statements. Erroneous reasons for dispute denials. Extenuating time frames that are XXXX & XXXX violations. Changing cXX/XX/XXXXing on types of transactions. Claiming a dispute was resolved in my favor only to refund me the atm fee that Cash App charged. The app shows no deposit trace ID only just credits the original transaction. Also periodically sends me generic email responses that have no validity or logic pertaining to the case at hand. Then sends a survey request. Constant random call drops. Missing instant transfers. The biggest concerns XX/XX/XXXX recently my email, phone number and all of my external links were removed. My primary account strangely started logging in under my business account. An account they claim has no green status capability, purchase or Cash App card transferring source other than transfers only directly to my personal account. This was recently randomly changed without my authorization or knowledge. To this day when I call a Cash App representative they claim to not have any information they can verify to access the personal account. The only account capable of purchases and transfers. In every situation the common denominator is that the customer/Cash App user either has to wait for the money to be returned to balance or money is never returned to balance. Every phone call tells me something completely different. Can someone please step in here, please. Square, Cash App any governing agencies? XXXX XXXX NO FUNDS SENT TO THIS ACCOUNT- XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~Celebrate the XXXX Fs. Food, family & friends~ On XX/XX/year>, at XXXX, Cash App Support XXXX wrote : Hi XXXX, My name is XXXX with XXXX Support. I hear you, and appreciate you writing back to provide feedback regarding your experience. We have thoroughly reviewed your Cash App account and the correspondence related to the issues you have flagged. I understand your frustration and I apologize that you received information from us previously that you feel did not address your question or issue. To confirm, a payment of {$78.00} was made to your Borrow loan XXXX on XX/XX/year>. To view your loans : XXXX. Tap the Money tab on your Cash App home screen XXXX. Tap Borrow XXXX. Scroll down to Borrowed ( this will display your active and repaid loans ) You can view all of your Cash App payment activity in-app or online. XXXX. To view your transaction history in-app : XXXX. Select the clock icon in the bottom right corner of your Cash App home screen to open your Activity tab XXXX. Scroll down to see your account transaction history XXXX. Select a payment for specific payment details To view it on the web : XXXX. Sign in at XX/XX/XXXX XX/XX/XXXX ) using your email or phone number XXXX. Scroll through the Activity page for your transaction history XXXX. Click on a payment for more details To find recipients or payment types, click into the search bar at the top of your activity and type in it. You also can filter by date or payment amount by clicking filter to the right of your search bar to view or download your transaction history. Lending decisions are made in accordance with applicable laws and regulations and based on objective factors that do not include any reference to a customers race, ethnicity, gender, XXXX orientation, or religion. You may also review our Borrow loan agreement using the link below XX/XX/XXXXXXXX If you have any questions or need further support , please don't hesitate to reach out. Kind Regards, XXXX Cash App Borrow Support This is a service email from Square Financial Services , Inc., an independently governed subsidiary of Block , Inc. All Borrow loans are issued by eitherXX/XX/XXXXXXXX Bank or Square Financial Services , Inc. , bothXX/XX/XXXXXXXX Banks , located in XXXX XXXX XXXX XXXX UT XXXX Square Financial Services , Inc. is collecting this debt on its own behalf or for the current holder of the loan. All rights are reserved. This communication is an attempt to collect a debt and any information obtained will be used for purposes of debt collection. thread : XXXX : :

Company response to consumer: Closed with explanation