Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to deliver the promised goods/services, and I immediately attempted to resolve the issue directly. After realizing I had been scammed, I contacted Cash App support through the app on Thursday, XX/XX/year> to dispute the transaction. 

Cash App failed to provide a reasonable investigation or refund as required under Regulation XXXX ( XXXX XXXX  Part XXXX ). Instead, I was informed that the dispute was closed in favor of the merchant with no clear explanation or supporting documentation. I appealed this decision on Thursday, XX/XX/year>, but again Cash App refused to reverse the charge. 

This represents an unauthorized/fraudulent transaction. I complied with all procedures, provided supporting evidence ( screenshots of the agreement and communications ), and reported the issue within the required time frame. Cash App did not provide me with : Written notice of the investigation results, Documentation relied upon in denying my claim, or A provisional credit as required by law. 


I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute, XXXX. Provide full documentation of the investigation, and XXXX. Refund the {$40.00} consistent with Regulation XXXX requirements. 


XXXX. False promise of goods/services I sent {$40.00} on XX/XX/year> for a promised item/service. The other party never delivered anything. That is textbook fraud. 


XXXX. Misrepresentation The recipient knowingly misled me to obtain funds without intent to fulfill their obligation. 


XXXX. Unauthorized retention of funds Once I revoked consent by reporting the issue, the transaction should have been treated as unauthorized/fraudulent. 


XXXX. Pattern of deception I provided screenshots of communications proving the other party engaged in deceptive conduct. 


XXXX. No merchant accountability Unlike a legitimate business, the recipient can not prove delivery, receipt, or service rendered. 




-- - Why I Am Lawfully Entitled to a Refund XXXX. Regulation XXXX ( XXXX CFR XXXX ) Cash App must investigate errors, provide written notice of results, and issue a provisional credit within XXXX business days. 


XXXX. Constructive denial By closing my case without proof, Cash App failed to meet its legal burden. That constitutes a violation of my consumer protection rights. 


XXXX. Burden of proof is on XXXX XXXX XXXX must show the transaction was valid and authorized. No such evidence was provided. 


XXXX. CFPB guidance Peer-to-peer payment apps like Cash App must treat fraud claims with the same protections as debit card transactions. 


XXXX. Entitlement I complied with all reporting timelines and provided evidence. By law, I am owed a refund of {$40.00} plus any fees. 


XXXX. No proof of delivery The recipient provided no shipping, receipt, or service documentation. 


XXXX. Violation of Cash Apps own policies Their User Agreement prohibits fraudulent use and obligates them to reverse fraudulent transactions. 


XXXX. Deceptive inducement The transaction was induced by false promises, meeting the FTCs definition of unfair/deceptive practices. 


XXXX. Failure of consideration No goods/services were provided in exchange for payment. 


XXXX. Unjust enrichment Recipient benefited financially without legal or contractual basis. 


XXXX. Unauthorized electronic fund transfer XXXX XXXX XXXX, a transfer obtained through fraud is treated as unauthorized. 


XXXX. Failure to mitigate harm Once I reported the fraud, Cash App had a duty to stop further harm by reversing funds. 


XXXX. Denial without evidence Cash App closed the dispute without presenting supporting documentation, violating XXXX XXXX XXXX ( d ). 


XXXX. Failure to provide provisional credit No temporary credit was issued within XXXX business days as required by law. 


XXXX. No clear investigation process I was not informed of the investigation scope or method, violating transparency requirements. 


XXXX. Consumer detriment The decision placed all risk of fraud on me, contrary to federal protections. 


XXXX. Asymmetric information Cash App has records and technical data to verify fraud, yet withheld them from me. 


XXXX. Denial of due process I was not given the opportunity to review or challenge evidence against my claim. 


XXXX. Bad faith handling The speed and lack of detail in denial indicate no good-faith investigation. 


XXXX. Pattern of complaints CFPB and BBB databases show numerous similar complaints against Cash App, proving systemic failures. 


XXXX. Violation of fair banking practices Unlike banks, Cash App can not escape XXXX XXXX obligations as a money transmitter. 


XXXX. Failure to protect users Cash App markets safety/security but refused to stand behind their own protections. 


XXXX. Public interest XXXX Cash App to deny fraud claims without evidence enables further scams. 


XXXX. Contractual breach As a consumer, I relied on Cash Apps representations of fraud protection. 


XXXX. XXXX oversight requirement As a licensed money transmitter under state/federal law, Cash App must comply with consumer protection statutes and refund fraudulent charges. 


Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. This violates my rights under Regulation XXXX ( XXXX XXXX Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. 


XXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. 


XXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. 


XXXX. I complied with all requirements by reporting promptly and submitting evidence of fraud. 




Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. 

This violates my rights under Regulation XXXX ( XXXX XXXX  Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. 


XXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. 


XXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. 


XXXX. My account was suspended without due process, clear reasoning, or response to my appeals. 



I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, and XXXX. Restore or clearly justify my account suspension consistent with consumer protection standards. 


On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. 

This is not an isolated incident. For several years, I have experienced repeated issues with Cash App involving : Disputes being denied without explanation, Lack of documentation or transparency in investigations, Failure to issue provisional credits as required by Regulation XXXX, and Account restrictions or suspensions imposed without clear reasoning or timely responses to appeals. 


This long-standing pattern shows Cash App/Block XXXX XXXX XXXX XXXX XXXX XXXX comply with federal consumer protection laws and is denying users the protections guaranteed under XXXX XXXX  Part XXXX ( Regulation XXXX ). 

I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, XXXX. Address the wrongful suspension of my account, and XXXX. Correct ongoing compliance failures that have harmed me and many other consumers over the years. 


On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. 

This situation is aggravated by the fact that my identity and Cash App account have been compromised and used without my full authorization. I have reason to believe my account has been accessed or manipulated fraudulently, which qualifies as an unauthorized electronic funds transfer under Regulation XXXX ( XXXX XXXX  Part XXXX ). 

This is not an isolated issue. For years, I have experienced repeated problems with Cash App involving : Unauthorized transactions or account activity, Disputes being denied without clear evidence, Failure to issue provisional credits within the legal timeframe, and Account suspensions without explanation or response to appeals. 


XXXX XXXX XXXX XXXX XXXX XXXX to provide basic consumer protections and is denying me the right to secure access to my own account. 

I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Address the fact that my identity/account has been compromised and take corrective action. 




On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. 

What frustrates me most is that this has been going on for years. I have faced repeated problems with Cash App, including : Unauthorized account activity and compromised security, Disputes being denied without any evidence or transparency, Failure to issue provisional credits as required under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions that leave me locked out without explanation or resolution. 


I have spent countless hours trying to get Cash App to follow the law and their own stated policies. Each time I report fraud, I get vague form letters, no documentation, and no accountability. It feels like Cash App is deliberately ignoring its legal obligations and leaving consumers like me powerless. 

This is extremely frustrating and unacceptable. Cash App markets itself as safe and secure, but in reality, they are shifting all the risk of fraud and identity compromise onto their users while refusing to comply with basic consumer protection laws. 

I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct their ongoing systemic failures that are harming consumers. 




Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. 

This has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without evidence or transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or resolution. 


I have invested significant time and effort trying to get Cash App to follow the law and their own policies. Each time I report fraud, I get vague responses, no documentation, and no accountability. It is extremely frustrating and unacceptable. 

I expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct ongoing systemic failures that continue to harm consumers. 







Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. 

What frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. 

This has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or cooperation. 


I have invested significant time and effort trying to get Cash App to follow the law and their own stated policies. Each time, I am stonewalled by a support process that feels engineered to deny responsibility. It is extremely frustrating and unacceptable. 

I expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. 




Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. 

Cash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. 

What frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. 

This has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX CFR Part XXXX ), and Account suspensions imposed without explanation or cooperation. 


In addition, I am a high-profile candidate for public office. This means I must carefully manage financial activity and strictly adhere to XXXX XXXX XXXX ( XXXX ) regulations. Cash Apps suspension of my account and failure to provide documentation not only frustrate me personally, but also jeopardize my ability to demonstrate compliance with campaign finance law. 

I expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. 



For the sake of transparency, I want this matter and my complaint to be published publicly so that regulators, voters, and the public can see both the seriousness of Cash Apps failures and my persistence in holding them accountable.

Company response to consumer: Closed with explanation