Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Subject : Formal Complaint and Request for Investigation into Fraud, Negligence, and Mishandling of Dispute Cash App ( Block, Inc. ) To Whom It May Concern, I am writing to file a formal and urgent complaint against Cash App ( operated by Block , Inc. ) regarding a series of fraudulent transactions that occurred between XXXX and XXXX of XXXX, which led to an egregious loss of {$6500.00} and further resulted in unjust account closure, mishandling of my dispute, and a lack of accountability from the institution. 

Summary of Incident : Between XXXX and XX/XX/year>, I was misled and defrauded by an individual impersonating a courier representative under the Cash App handle $ XXXX. This individual convinced me to send multiple payments through Cash App in anticipation of receiving currency that was never delivered. Once it became apparent that I was a victim of fraud, I immediately reached out to Cash Apps support team to report the incident and request assistance. 

Instead of supporting mea long-time, loyal user with a clean transactional recordCash App responded by denying liability, refused to initiate a recovery of the funds, and ultimately closed my account, alleging that the dispute and related activity constituted a violation of their policy. This claim is baseless, punitive, and wholly misaligned with the reality that I was the victim of a criminal scheme. 

Legal, Ethical, and Financial Concerns : 1. Failure to Detect Unusual Activity : I had never conducted transactions of that magnitude on the platform. The sudden surge of high-value paymentsespecially to a single unverified recipientshould have immediately raised red flags under Cash Apps fraud prevention protocols and triggered internal review or alerts.

2. Negligence in Consumer Protection : Cash Apps refusal to act in accordance with established consumer protection laws is deeply troubling. The Electronic Fund Transfer Act ( EFTA ) under Regulation E ( 12 CFR 1005 ) requires financial institutions to investigate and resolve unauthorized electronic fund transfers when reported in a timely manner. I reported the fraud within the required timeframe, and yet no meaningful investigation or effort to assist was undertaken. 
XXXX. Unfair and Deceptive Practices ( UDAP ) : Cash Apps conduct may fall under the definition of unfair, deceptive, or abusive acts or practices, as outlined in Section 1031 of the Dodd-Frank Act ( 12 U.S.C. 5531 ). Their failure to provide dispute resolution or transparency while penalizing the victim of fraud is a direct contradiction to their obligations as a digital financial service provider.

4. Violation of My Rights as a Service Member : As an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am afforded additional protections under the Servicemembers Civil Relief Act ( SCRA ). While this issue may not directly relate to traditional lending, my status should have invoked heightened care and fair handling, not abandonment. 
5. Constitutional and State Protections : The mishandling of my funds without due process may constitute a violation of my 14th Amendment right to due process and fair treatment, particularly in the closing of my account without explanation, evidence, or recourse. I also reserve all rights protected under Mississippi state law regarding fraud, electronic commerce, and consumer protection.

Company response to consumer: Closed with explanation