Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
BLOCK INC. VIA CASH APP, NOTICE OF INTENT TO SUE WITH LAWSUIT, FOR REPEATED VIOLATIONS OF CONSUMER PROTECTION LAWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XX/XX/XXXX https : //www.consumerfinance.gov/complaint XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Intent to Sue and Request for Settlement Discussions Regarding Cash Apps Repeated Violations of Federal Consumer Protection Laws While Under Current Consumer Financial Protection Consent Order for The Exact Violations of Law Inflicted On Potential Plaintiff XXXX XXXX, Please See : https : //files.consumerfinance.gov/f/documents/cfpb_block-inc-consent-order_2025-01.pdf XXXX COMPARE WITH XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau and Block Inc. Administrators : I am writing to formally notify you of Cash Apps continued violations of consumer protection laws as detailed in the attached lawsuit. I was burdened, harmed and injured by this Cash App unwarranted and replicated violations of consumer protection laws, and disregard of merchant fraud, while under the below linked Consumer Financial Protection Bureau and Block Inc. Consent Decree at : https : //files.consumerfinance.gov/f/documents/cfpb_block-inc-consent-order_2025-01.pdf I seek an end to the targeting of innocent people for these unwarranted, malicious, loss of quality of life, time, and money Cash App violations of law. My intent to initiate legal action against Cash App for their malicious, persistent and willful violations of consumer protection laws, which have caused me substantial harm, is exemplified in the attached lawsuit, enclosed with this letter. You will find an extensive draft of the lawsuit that details the specific Cash App repeated violations of consumer protection laws inflicted on me, while Cash App is under Court Order. 
The lawsuit includes the legal claims against Cash App, the nature of the unlawful conduct, and the extent of damages I have incurred as a result of Cash Apps willful non compliance with the above linked and current CFPB Order. 

Despite being subject to a court order issued by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, aimed at curtailing violations of consumer protection statutes, Cash App has egregiously continued its illegal practices. These actions not only flout the court order but also inflict considerable harm on consumers, as evidenced in the enclosed lawsuit. Among the many infractions, Cash App has repeatedly engaged in the following violations of federal consumer protection laws : 1. Failure to Investigate Unauthorized Transactions : In direct contravention of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and as previously noted by the CFPB, Cash App has systematically neglected its duty to investigate disputes regarding unauthorized transactions promptly and adequately. This disregard for regulatory requirements has wrongfully shifted the burden of resolution onto consumers, including myself, who have been directed to pursue chargebacks through banks or card issuers or to resolve issues with merchants, a clear violation of federal law. This Cash App violation of the Electronics Fund Transfer Act in and by itself, serves to aid, abet and facilitate fraud, as has been done to me. 

2. Deceptive Practices in Customer Support : Cash App has misrepresented its customer support services, claiming to offer live telephone assistance for reporting unauthorized transactions. In reality, consumers assaulted by merchant organized fraud, seeking urgent help, such as myself, have been met with pre-recorded messages and inadequate online communication channels, leaving us exposed to fraud and exacerbating financial losses due to ineffective support. 

3. Inadequate Fraud Prevention Measures : The CFPB 's findings indicate that Cash App has failed to implement sufficient protocols to detect, prevent, and respond to fraud on its platform. This failure has allowed fraudulent activities to flourish, targeting users like myself. My experience of merchant fraud, compounded by Cash App 's refusal to provide dispute resolution, provisional credit, or my rightful refund, is testament to the platforms complicity in perpetuating such fraud. 

The repercussions of Cash App 's illicit activities have been profoundly damaging to me, not only financially but also emotionally, due to the protracted and XXXX  XXXX  and distress caused by their inaction, lack of support and repeated violations of law. The detrimental effects I have endured are symptomatic of a systemic issue that affects numerous Cash App users who use the platform for secure transactions. 

In light of the aforementioned, I am seeking fair compensation for the damages resulting from Cash Apps repeated legal infractions. I am open to settle this matter amicably through settlement discussions. However, please be advised that the attached lawsuit is prepared for immediate filing should we fail to reach an acceptable resolution. 

I respectfully request that a designated legal representative from Block Inc. or the CFPB Consent Order Administrator contact me within seven ( 7 ) days of receiving this notice to discuss a potential settlement. Should I not receive a timely response, I will proceed with filing the lawsuit to seek justice and statutory remedies for the repeated and unwarranted violations of law inflicted on me that I have suffered from. 








This communication serves as a dual-purpose document : a notice of my intent to sue and an invitation for Block Inc./Cash App to remedy the replicated and preventable violations of consumer protection laws. Considering Block Inc.s legal obligations under federal statutes, including EFTA , Regulation E, CFPA, and the CFPB 's recent enforcement orders, I expect this matter will be addressed with the seriousness and urgency it demands. 

For all correspondence related to this matter, please contact me via phone, email, certified mail, or fax at the following : Phone : XXXX XXXX XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosure : Lawsuit Draft

Company response to consumer: Closed with explanation