Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
Reference Account XX/XX/XXXX $ XXXX Dispute Regarding Unauthorized Transaction Conditional Resolution Request Attn : Cash App Support Team, Block , Inc . XXXX XXXX and XXXX XXXX, I am writing to formally dispute a transaction that occurred on my account. I recently have been notified of a Repayment Reminder in the amount of " XXXX '', and after reviewing my transaction history and account activity, I am confident this notification is a billing error or through unauthorized access. 

I am requesting that this transaction be promptly investigated and reversed. As part of resolving this issue amicably, I am willing to offer a conditional resolution : if the funds are restored to my account within [ 35 ] business days, I will consider the matter resolved without further escalation or reporting to financial regulatory authorities. 

I trust Cash Apps commitment to customer safety and integrity will ensure a swift resolution. Please confirm receipt of this message and advise on the next steps in the dispute process. 

Thank you for your attention to this matter. 
NOTICE OF CONDITIONAL ACCEPTANCE To Whom It May Concern at Cash You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16, and RCW 19.86, regarding your above referenced file number and are presented with a CONDITIONAL ACCEPTANCE OFFER.

CONDITIONAL ACCEPTANCE If you and your agency/firm can state your claim, please provide supporting documentation and a completed IRS Form W9. The Affiant will also require your firms EIN to forward to the IRS via Form 1099/1096 reflecting taxable gain on any payments made or incurred as part of this contract.

In an effort to resolve this matter efficiently, Affiant CONDITIONALLY ACCEPTS your demand for payment only upon fulfillment of the following conditions : CONDITIONS FOR ACCEPTANCE Condition # 1 A notarized copy of the original wet ink signed contract pursuant to 15 U.S.C. 1681.

Condition # 2 Provide a sworn and notarized affidavit signed under penalty of perjury, addressing the following points : ( a ) Proof of original contract holder ( b ) Full chain of interest ( c ) Confirmation you are not the debt purchaser ( d ) Contract of adhesion clause knowledge ( e ) Evidence of due diligence ( f ) Debt collector identification compliance ( g ) All claims made truthfully and transparently Condition # 3 Affidavit from the creditor authorizing your agency to act on their behalf. Condition # 4 Full account ledger signed by a
person with first-hand knowledge.

Condition # 5 Proof you are a license
d collection agency in Florida : Business license Bond filed Assignment letter with signatures Condition # 6 Statutory enforcement making me liable for this alleged debt.


Condition # 7 Laws allowing for the collection of this alleged debt.

Condition # 8 Legal basis for issuing a Notice of Debt Collection.

Condition # 9 Proof of all relevant signatures and your legal claim.

Condition # 10 Names and contact info of all actual creditors involved.

Condition # 11 Certified claim copies showing names of all debtors and creditors.

Condition # 12 Rules governing credit/debit card and ATM transactions.

Condition # 13 Affidavit confirming no violations of said network rules.

Condition # 14 Proof of actual loaned funds, not just ledger entries.

NOTICE Contacting the Affiant again without first proving lawful obligation will be deemed as fraudulent interstate communication, including deception, coercion, and violation of FDCPA. Any further action will be pursued at your own risk and will be treated as intent to cause harm.

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond point-by-point via sworn affidavit under full commercial liability. 

Failure to do so will result in your stipulated agreement that no debt is owed and that your claim is null and void. Any further action will also be deemed dishonor and subject to immediate penalty of {$75000.00} USD payable to : XXXX XXXX XXXX Agent for Principal : XXXX XX/XX/XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation