Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
Subject : Formal Complaint - Cash App Fraud & Repeated Dismissal - Complaint To : CFBP This complaint is against Cash App for repeatedly dismissing my claims of unauthorized transactions and failing to investigate clear fraud. 

Cash App has closed my case ( XXXX ) XXXX times without resolution. They falsely claim my transactions were " authorized, '' despite : XX/XX/year> : {$XXXX} transferred from my XXXX XXXX account. 
XX/XX/year> : {$XXXX} transferred from my XXXX XXXX account. 
Cash App refuses to : Provide evidence of authorization. 
Acknowledge a potential security breach. 
Escalate the case for proper investigation. 
Refund my stolen funds. 
This is not a " security best practices '' issue. It is fraud. Cash App 's inaction is unacceptable. 

I demand the CFBP intervene and force Cash App to : Conduct a genuine investigation. 
Refund my {$XXXX} immediately. 
Subject : URGENT : Unacceptable Response & Continued Fraud - Cash App & CFPB Failure - Escalation Demanded I am writing to express my extreme dissatisfaction and outrage at Cash App 's response to my previous complaint, as relayed through the CFPB. This response is wholly inadequate and demonstrates a continued pattern of disregard for my legitimate claims of fraud.

Cash App 's Response is Unacceptable : They are attempting to dismiss my specific fraud complaint by referencing a general " Consent Order '' with the CFPB. This is a transparent attempt to evade responsibility for the direct theft from my account.

They state, " You do not need to do anything at this time to obtain redress ( including potential compensation ), which also means you do not need to file a complaint with the CFPB. '' This is patronizing and insulting. I have filed a complaint, and I demand a resolution to the specific fraudulent transactions on my account, which are not adequately addressed by a broad consent order.

They provide generic " helpful information '' requests, despite having already been provided with these details multiple times. This is a clear indication they have not reviewed my case properly.

My Experience with Cash App and the CFPB : This is the FIFTH time Cash App has closed my case without resolution.

The CFPB has proven to be ineffective in holding Cash App accountable. They are allowing Cash App to dismiss legitimate fraud complaints with generic, irrelevant responses.

I have been a victim of unauthorized transactions totaling over {$1800.00}, and Cash App continues to ignore my demands for a refund and a proper investigation.

I demand the following immediately : Direct Action from the CFPB : I demand the CFPB take direct action to investigate Cash App 's handling of my specific fraud complaint. Their reliance on a general consent order is unacceptable.

Cash App Investigation : I demand Cash App conduct a thorough, independent investigation into the unauthorized transactions on my account.

Full Refund : I demand a full refund of the stolen funds to my Wells Fargo account.

Escalation : I demand this case be escalated to the highest level within Cash App.

Accountability : I demand Cash App be held accountable for their repeated dismissals and their failure to protect their customers from fraud.

Company response to consumer: Closed with explanation