Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am writing to formally express my profound disappointment and grave concern regarding the dispute resolution process and apparent security vulnerabilities within the Cash App payment network. My personal experiences, compounded by the recent findings in the Consumer Financial Protection Bureau ( CFPB ) lawsuit, reveal a systemic failure that leaves consumers like myself exposed to significant financial and personal risk. 
On multiple occasions, I have utilized Cash App for transactions, only to encounter discrepancies that required formal disputes. Each time I reported these issues, my claims were met with a dismissive and unhelpful response from both my financial institution and, by extension, Cash App. I was informed that recovering the funds was " impossible '' and that tracking the transactions was " unfeasible. '' This response is not only inadequate but also factually questionable for a modern digital payment system, suggesting a willful refusal to implement a robust and transparent investigation process. 
The recent CFPB lawsuit validates my experiences on a national scale. The XXXX XXXX  findings indicate that Cash App has not only failed to establish adequate safeguards for consumer protection but has also fostered an environment where repeat offenders can exploit the platform with impunity. The assertion that Cash App 's role is merely that of a messaging service between banks is a convenient abdication of responsibility. When a platform facilitates the transfer of billions of dollars, it bears a fundamental responsibility for the integrity and security of those transactions. The current framework, which places the entire burden of risk on the consumer, is unacceptable. 
This failure extends beyond mere financial transactions and touches upon the bedrock principles of digital security and privacy. We live in an era where personal data is a highly valuable asset. Stolen informationranging from financial details to personal identifiersfuels a multi-billion dollar illicit industry on the dark web. A platform that moves money with the speed of Cash App, yet lacks commensurate security protocols and consumer protections, becomes a prime vector for fraudsters to liquidate their ill-gotten gains from data breaches. 
I am not speaking in hypotheticals ; I have been a repeated victim of fraud and identity theft. The consequences of these security failures have been devastating and far-reaching. My personal information, which should be protected, has been compromised, leading to a cascade of financial hardship. As a direct result of the fraud perpetrated against me, my access to essential financial tools has been severed. I am unable to secure funding or even basic credit cards, effectively locking me out of significant parts of the economy. The so-called " credit repair '' industry has proven to be an ineffective and costly joke, offering no real recourse for victims whose foundational data has been permanently exposed. 
My information is my personal data ; it possesses inherent value and is integral to my identity and financial well-being. The lack of accountability from platforms like Cash App demonstrates a galling disregard for this reality. When consumers are told that their lost funds can not be tracked or recovered, it is a clear signal that their security is not a priority. This negligence creates a fertile ground for scams and erodes the very trust that digital finance is built upon. 
It is imperative that Cash App and its partner financial institutions undertake a XXXX overhaul of their security measures and dispute resolution protocols. Consumers deserve transparency, accountability, and a meaningful process for recourse when they fall victim to fraud. Anything less is a betrayal of consumer trust and a direct contribution to the rampant insecurity that plagues the digital world.

Company response to consumer: Closed with explanation