Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
FORMAL NOTICE OF DISPUTE, DEMAND FOR IMMEDIATE CURE, AND PRESERVATION OF EVIDENCE Account Misapplication of Funds Unfair & Deceptive Trade Practices To Whom It May Concern, This letter serves as formal legal notice of an improper and unlawful application of my incoming deposit and a demand for immediate correction. 

FACTUAL BASIS 1. I received an incoming deposit into my account.

2. Your automated support system explicitly advised me that if I wanted to retain immediate access to incoming funds for spending, I must disable overdraft protection.

3. I relied on this representation, disabled overdraft, and I possess screenshot evidence confirming overdraft was OFF at the time the deposit posted.

4. Despite this, the deposit was still applied toward a negative balance, and I was denied access to the {$5.00} that should have been immediately available to me. 

Your systems guidance directly conflicted with your actual processing behavior, and I relied on that guidance to my detriment. 



LEGAL VIOLATIONS Your actions constitute violations of, but are not limited to, the following : 1. Federal Unfair & Deceptive Acts and Practices ( UDAP ) Under 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act ), it is unlawful to engage in : Deceptive representations Material omissions Practices that mislead consumers acting reasonably Providing instructions that disabling overdraft would preserve access to deposited funds, while still sweeping the funds into a negative balance, constitutes deception and misrepresentation.

2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 Improper handling, disclosure failures, and misleading representations related to electronic funds transfers are federally actionable. Consumers are entitled to : Accurate disclosures Proper application of funds Error resolution and provisional credit when applicable XXXX. North Carolina Unfair & Deceptive Trade Practices Act Under N.C. Gen. Stat. 75-1.1, it is unlawful to engage in : Unfair methods of competition Unfair or deceptive acts affecting commerce A violation of this statute entitles victims to : XXXX damages Attorneys fees Injunctive relief This conduct satisfies all three elements : 1. Act in commerce 2. Deceptive representation 3. Actual financial harm 4. Consumer Reliance & Estoppel Because I relied on your stated overdraft policy representation to my detriment, your institution is legally estopped from enforcing a contrary result after inducing that reliance. 



FORMAL DEMAND FOR CURE You are hereby formally demanded to : Immediately restore and make available the {$5.00} that was wrongfully withheld Cure the account error in full Confirm in writing that overdraft was disabled at the time of posting and that the correction has been made NOTICE OF ESCALATION IF NOT CURED If this matter is not corrected immediately, I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau File a complaint with the North Carolina Attorney General Submit evidence to the Federal Trade Commission Preserve this incident for civil action under state and federal UDAP statutes Seek treble damages, court costs, and all available statutory remedies All screenshots, transaction records, and system messages are preserved as evidence. 



DEADLINE This matter must be corrected immediately upon receipt of this notice. 
Failure to cure constitutes willful non-compliance and bad-faith conduct.

Company response to consumer: Closed with explanation