Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Subject : Immediate Release of Settlement Payment & Resolution of Account Issues I am formally demanding the immediate release of funds held in my Cash App account ( $ XXXX ) and a resolution to the improper handling of my account. Despite multiple attempts to resolve this issue, Cash App has failed to take appropriate action. If this matter is not resolved immediately, I will escalate further, including legal action and formal complaints with federal agencies. 

Personal Information Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : XXXX Phone : XXXX / XXXX Mailing Address : XXXX XXXX XXXX, XXXX, AL XXXX Last Four of SSN : XXXX Legal Violations & Consumer Protection Laws Cash Apps failure to release my funds and properly handle my dispute constitutes multiple violations of federal laws and regulations, including : XXXX. XXXX XXXX Transfer Act ( XXXX ) ( XXXX XXXX. XXXX et seq. ) Cash App is required to investigate errors within XXXX business days and resolve disputes within 45 days. Your failure to do so violates this law.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Holding my money without justification, failing to provide clear communication, and improperly handling my dispute are unfair business practices. 



XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB has previously fined Block , Inc. ( Cash Apps parent company ) {$170.00} million for failing to address fraudulent transactions and deceptive practices.

4. Unfair and Deceptive Trade Practices ( State-Level Consumer Protection Laws ) Cash Apps refusal to release my funds and lack of dispute resolution violate these protections. 




Supporting Legal Precedents XXXX XXXX Cash App ( XXXX ) Users sued Cash App for unauthorized transactions and lack of fraud protection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) Consumers won financial restitution for XXXX XXXX failure to investigate fraud. 

Doe v. Cash App ( XXXX ) The court ruled against Cash App for refusing to return unauthorized funds.

Demands for Immediate Action I demand the following actions within 48 hours : 1. Immediate Release of My Funds The full balance in my account must be sent without further delay.

2. Refund for Unauthorized Transactions Any missing or unauthorized deductions must be reimbursed immediately.

3. Formal Investigation & Written Response A full review of my account activity with a detailed explanation of why my funds were withheld.

Payment Instructions You may send my payment via : Direct Deposit : Account Number : XXXX Routing Number : XXXX Paper Check : Recipient : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX Consequences of Non-Compliance If these demands are not met, I will take the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

Pursue legal action for financial damages and emotional distress caused by Cash Apps negligence. 

Publicly expose Cash Apps violations through consumer protection advocacy channels. 


You are now on legal notice. I expect a response from a qualified representative within 48 hours. Any further delay will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : XXXX Phone : XXXX / XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX Last Four of SSN : XXXX

Company response to consumer: Closed with explanation