Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: DE

Complaint narrative:
SUBJECT : FORMAL COMPLAINT UNAUTHORIZED TRANSACTIONS AND ERRONEOUS DISPUTE DENIAL Account : Transactions Dates : XXXX XXXX XXXX To the Complaints Department : I am writing to file a formal complaint regarding the egregious breach of my Cash App account and the subsequent, incorrect denial of my dispute for multiple unauthorized transactions. I demand an immediate re-investigation and the full restitution of the stolen funds. 

I am a XXXX XXXX and my work schedule is critical to establishing the factual impossibility of the disputed transactions. On Friday, XX/XX/year>, I completed my shift at XXXXXXXX XXXX XXXX XXXX XXXX at XXXX AM and immediately commuted to my home in Delaware. 

The timeline of events, supported by digital evidence, is as follows : XXXX of XX/XX/year> : I was physically present in XXXX  after my commute from XXXX XXXX 
XXXX AM : I made a legitimate purchase using my Cash App card via XXXX XXXX at the XXXX grocery store in XXXX. This transaction conclusively proves my physical location in XXXX  at that time. 
Approx. XXXX PM - XXXX PM : I was asleep at my home in XXXX to prepare for my next XXXX PM shift in XXXXXXXX XXXX 
Late Evening : I commuted back to XXXXXXXX XXXX, for my XXXX PM shift. 
Approx. XXXX AM, Saturday, XX/XX/year> : While at my workplace in XXXXXXXX XXXX, I discovered multiple unauthorized transactions and attempts on my account. I immediately locked my Cash App card and filed a formal dispute for each transaction. 

The fraudulent activity is as follows : XXXX ATM Withdrawals : XXXX. Transaction ID : Date/Time : XX/XX/year> | Amount : {$260.00} | Merchant/Location : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) XXXX. Transaction ID : | XXXX : XX/XX/year> | Amount : {$400.00} | Merchant/Location : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX Rite XXXX ) XXXX. Transaction ID : | XXXX : XX/XX/year> | Amount : {$300.00} | Merchant/Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Fraudulent Attempts : A fourth ATM withdrawal for {$100.00} was correctly declined by Cash App. 
XXXX other transactions at the same location ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ) were declined for my protection. 

Your initial claim that I " authorized '' these transactions is factually impossible. As the timeline proves, during the period these withdrawals occurred at XXXX XXXXXXXX XXXX XXXX XXXX  I was either asleep in XXXX or commuting to XXXX, XXXX. It is a physical impossibility for me to have been present at that XXXX ATM. Furthermore, I have not visited XXXX in over XXXX years. My ATM card was never stolen, and my PIN has never been shared with anyone. The series of rapid-fire transactions and declines clearly indicate a criminal pattern of fraud. 

The evidence I can provide includes : XXXX. XXXX Timeline data confirming my location in XXXX XXXX XXXX XXXX  throughout XXXX XXXX XXXX 
XXXX. The legitimate XXXX XXXX transaction receipt from XXXX in XXXX, timestamped XXXX AM on XX/XX/XXXX. 
XXXX. My work schedule at XXXX XXXX, XXXX, confirming my XXXX PM shift on XX/XX/XXXX. 

The failure of your initial investigation to account for this clear geographical and timing evidence is deeply concerning. This is not a case of a disputed authorization, but one of clear-cut fraud. 

I expect this matter to be escalated immediately and resolved in my favor. I demand a full refund of the stolen amounts, totaling {$980.00}, to my account. 

If this complaint is not resolved satisfactorily and promptly, I will be left with no alternative but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and taking legal action against Block , Inc .

Company response to consumer: Closed with explanation