Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
on at XXXX at approximately XXXX XXXX. I got a notification on my phone saying that I had a charge to my cash app account for {$53.00} from XXXX. I immediately opened my cash app saw that in fact there was a charge that overdrafted my account by {$34.00} and some cents from XXXX. I immediately locked my card and contacted cash app support while simultaneously using my other phone to open my XXXX account. I subsequently discovered there is no {$53.00} charge from my XXXX account anywhere in the history of that account. cash app support after three different phone calls the first I was hung up on the second I was unsatisfactorily referred to wait for an email from a supervisor because according to them even though the card was inactive it was a card on file with XXXX so cash app let it through and when I inquired as to why it was allowed to overdraft my account by {$34.00} when I only have {$10.00} of overdraft protection they had no answer at all to me their answer was we understand your concerned about this when I informed them that I needed to be able to get the {$85.00} out of the savings portion of my cash app account they told me the only way was to run it past the regular cash balance which would pay off the overdraft of {$34.00} so now instead of XXXX I'm out {$87.00} because I have to remove the money that I had in savings I need that for my rent which is due tomorrow. I called Cash app again because when going through the process of inquiring to XXXX if they could find out who charged my cash app account I noticed that the card used to make the charge was not an active card it was my old virtual card that was discontinued when my physical card arrived that card has not been able to make charges since my physical card was activated I know this because I accidentally tried to use it from my XXXX wallet several days after my physical arrived. once again I was put on hold for a very long time and when the support member came back she just repeated the same thing the first support member tried to hand me that cash app allowed the charge to go through because XXXX said it was a card on file and she didn't know why I was allowed to overdraft past my amount she had no idea and no there was no way for me to remove my savings account balance without having {$34.00} of it taken out to pay for the overdraft that they let happen. because of this I'm going to be short on my rent tomorrow and will be forced to borrow money or be delinquent on my rent payment which I will be charged a fee for. the sheer audacity Of telling me that XXXX was the one that was at fault here when the charge never should have been allowed to go through it should have immediately been denied when it was for an amount past what I had in my account and passed my overdraft allowance and while we're at it on a card that is no longer active. I don't feel that XXXX is at fault although I am following through with XXXX as well to see if they can discover whose account charged my card. I have not had XXXX respond to me yet. this is absolutely insane to me. I feel like this borders on fraud from the cash app people because at the very least even if the card was still usable which it's not at the very least it shouldn't have been able to overdraft my account by {$24.00} more than my overdraft allowance. I didn't realize until I was gathering the screenshots for this complaint that cash app actually took another {$10.00} from me because their system only recognized a {$10.00} overdraft so when I took my savings money out through the cash balance it charged me a {$10.00} overdraft fee but it also took the {$34.00} and a XXXX I some odd sense as well so it basically took {$44.00} from me just for me to get my money out of savings that's on top of the {$53.00} that it allowed an inactive card to charge me and it's very clear through the notifications on my phone and the activity logs from cash app that cash apps system did not understand did not recognize me being overdrafted by that amount either there's no way I should have been overdrafted {$34.00} it seems to me like it's either a problem with the system or somebody forced this through it couldn't have happened to accidentally like this.

Company response to consumer: Closed with explanation