Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: WV

Complaint narrative:
XXXX  Product Type XXXX XXXX XXXX  Installment loan ( or select " Other financial service '' and describe as short-term cash advance via mobile app ) XXXX XXXX Company XXXX XXXX XXXX Block, Inc. ( doing business as Cash App ) XXXX XXXX Issue : XXXX XXXX  Unfair, deceptive, or abusive acts or practices ( UDAAP ) related to lending terms, limit adjustments, and pressure to engage in unwanted spending. 

XXXX XXXX  Summary of Complaint XXXX XXXX XXXX I have been using Cash App for over a year without ever setting up direct deposits or depositing any funds into the Cash App account. The Borrow feature ( short-term cash advances, each a separate closed-end loan with a flat fee ) was offered to me unsolicited. I began borrowing small amounts, repaying them on time or early every time, as a way to build reliability for future needs. 

Over approximately one year, Cash App repeatedly and voluntarily increased my Borrow limit based solely on my consistent, timely repaymentsno spending threshold was required initially, and I never requested these increases. The limit reached what I believe was the maximum available at the time ( or close to it ) through this repayment history alone. 

Recently ( after the introduction of Cash App Green status in XX/XX/year> ), Cash App reduced my Borrow limit because I did not meet the $ 500 monthly spending requirement on qualifying purchases via the Cash App Card or Cash App Pay. This reduction occurred despite my perfect repayment record and no prior requirement to spend a specific amount through their app to maintain the higher limit. 

This practice feels deceptive and misleading because : - The initial limit increases were presented as rewards for responsible repayment, implying ongoing access based on that behavior. 
XXXX The later condition ( spending XXXX XXXXXXXX to retain or regain higher limits via XXXX  status ) was imposed after the fact, creating a " bait-and-switch '' where access depends on routing unnecessary everyday spending through XXXX XXXX pressuring me to shop more to keep borrowing power I earned through repayments. 
- I do not deposit money into Cash App and have no obligation to use it as my primary spending platform. Banks and lenders are supposed to help with financial stability and saving, not require increased spending to maintain credit access. 

This design pressures users into more spending and potential debt cycles, which is particularly harmful for individuals with addictive personalities, gambling issues, or compulsive spending tendenciesit could XXXX  financial stress or push toward unnecessary borrowing/shopping just to preserve access. The terms may disclose discretion over limits, but the shift from repayment-based to spending-based maintenance feels unfair and XXXX, taking advantage of users who built trust through good behavior.

I have not experienced direct financial loss yet, but the reduction limits my ability to access emergency funds responsibly, and the pressure to spend more is coercive. I request the CFPB investigate whether this violates UDAAP standards under the Consumer Financial Protection Act, especially for non-traditional short-term lending products like Cash App Borrow.

Giving someone loan privileges when they dont even have money deposited to your application would be considered risky, especially if they have addictive personalities. Why are they offering the service? Is it a form of entrapment to get you to keep paying or to get you to put a direct deposit on, Im unsure. Why would you loan money to people if you dont even know if they have an income

Company response to consumer: Closed with explanation