Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
CFPB Complaint Update Consumer Demand for Immediate Remediation Under Regulation XXXX Statement of Facts : Since XX/XX/year>, I have repeatedly notified Cash App of an error regarding thousands of dollars in deceptive transactions involving the merchant " XXXX XXXX  ''. Despite my clear requests for a comprehensive list of these transactions and the initiation of a global dispute for all related charges, Cash App has obstructed the process by : * Refusing Documentation : Failing to provide a written transaction history for the merchant " XXXX  XXXX '' despite my request on XX/XX/XXXX. 

* Imposing Unlawful Technical Barriers : Demanding I manually dispute thousands of transactions one-by-one via a mobile application, which is a physical and logistical impossibility. 

* Arbitrary Adjudication : Resolving two identical disputes in my favor on XX/XX/XXXX while denying XXXX identical ones days prior others and ignoring my request to dispute for me the thousands of others that are identical for the same reason as the XXXX they awarded back in my favor. 

* Withholding Mandated Credit : Failing to issue provisional credit for the reported errors that have now exceeded the 10-business-day investigation window.I requested all the thousands of XXXX  XXXX purchased be disputed on XXXX XXXX they have yet to do this for me. Had they not ignored my request now dozens of times to dispute all these transactions I should have had full Provisional credit in my account on XX/XX/XXXX. 



Regulatory Violations of 12 CFR Part 1005 ( Regulation E ) : * Failure to Provide Transaction History ( 12 CFR 1005.18 ( c ) ( 1 ) ( iii ) ) : As a financial institution, Cash App is required to provide a written history of account transactions promptly upon oral or written request, covering at least the preceding 24 months. Their refusal to provide the " XXXX  XXXX '' list since XX/XX/XXXX is a direct violation. 


* Request for Information as a " Notice of Error '' ( 12 CFR 1005.11 ( a ) ( 1 ) ( vii ) ) : Under the law, a consumers request for documentation or additional information concerning a transfer is legally defined as an " error ''. Cash App was required to treat my XX/XX/XXXX request for a transaction list as the initiation of the error resolution process. 


* Unlawful Barrier to Notice ( 12 CFR 1005.6 ( b ) ( 5 ) ) : Notice of an error is considered legally " given '' when a consumer takes steps reasonably necessary to provide the institution with the information. I have provided notice in writing and orally ; Cash Apps requirement for a one-by-one mobile dispute process is an unlawful hurdle designed to prevent me from exercising my rights.They should have XX/XX/year> disputed the thousands of transactions that day. The XXXX I did dispute manually XXXX have been as of XX/XX/XXXX awarded in my favor and all are for the same item purchased all are for the same exactly reason. Thus all should be returned to my account immediately based on the evidence I have provided and Cash App own resolution of the above XXXX disputes. 


* Violation of Provisional Credit Mandate ( XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ) : Because Cash App failed to resolve my XX/XX/XXXX notice of error within XXXX business days, they were required to provisionally credit my account for the full amount of the alleged error by the XXXX business day. They have failed to do so. As well they have failed to even acknowledge my request to have all ever XXXX  XXXX transactions disputed. 


Immediate Demands for Resolution : * Issue Immediate Provisional Credit : I demand that Cash App immediately issue provisional credit for the total sum of all XXXX  XXXX transactions requested on XX/XX/XXXX that span from XXXX as the mandatory XXXX investigation window has expired. The lack of accountability and lack of support and due diligence on cash apps part is not my fault. It is my right to have this company abide by the laws here and it is their obligation to do so immediately and dispute all XXXX  XXXX transactions returned to me in my favor as they clearly have already shown is the correct and legally right thing to do based on the XXXX disputes already rewarded back to me. 


* Provide Complete Transaction History : I demand the immediate delivery of a written XXXX transaction history for all transfers to " XXXX  XXXX '' as required by law. 

* Accept Global Dispute : I demand that Cash App accept the list of all XXXX  XXXX transactions from XXXX that they are withholding from me after a number of requests as valid notice first given on XX/XX/year> for all identified errors and immediately finalize the investigations in my favor, consistent with the favorable rulings they already issued on XX/XX/XXXX. 


* Account Access : I demand the immediate restoration of my account access, as the closure appears to be a direct retaliatory action for my exercise of legal rights under Regulation E.

Company response to consumer: Closed with explanation