Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
STATEMENT FOR CFPB COMPLAINT Complainant : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, GA XXXX What Happened : In XX/XX/year>, I experienced unauthorized garnishment and account restraints based on court judgments I was never properly notified of. One judgment, under Index XXXX. XXXX in XXXX XXXX Supreme Court , claimed service via USPS to an address I do not reside at and have never used. A second judgment, Index XXXX. XXXX, followed the same pattern. A third case, XXXX, was filed in XXXX XXXX XXXX XXXX completely false address of XXXX XXXX XXXX, XXXX, GA. 

While my correct address of XXXX XXXX XXXX, XXXX, GA XXXX does appear on at least one court document, there is no verifiable trail or proof of proper service as required by law. I was not personally served, nor was any valid notice provided. No affidavit of service has been lawfully executed, and I had no knowledge of these actions until after funds were taken and my accounts were restrained. Therefore, any claim of service is legally insufficient and can not justify the enforcement that followed.

The law firms and individuals involvedXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX judgments and restrained accounts without confirming lawful service or validating the debt. These parties used fraudulent documents and affidavits to obtain judgments that violated my due process rights. 

As a result, {$5100.00} was seized from my XXXX XXXX account, and my Cash App account was unlawfully frozen, depriving me of personal funds and causing financial instability. These actions were taken without court verification, without my knowledge, and without an opportunity for me to contest the matter. 

Furthermore, I recently became aware that a fraudulent check or credit exceeding {$32000.00} was deposited and used as the basis to justify the seizure of my personal funds. I did not authorize, receive, or benefit from this deposit. It was falsely attributed to me in an attempt to enforce an invalid claim. The use of this fabricated financial instrument is a gross violation of my rights and serves as additional proof of coordinated fraud.

Cash App Account Restrained : My Cash App account was unlawfully frozen without notice or legal justification. Despite my attempts to contact them and request documentation, I received no court order or valid garnishment paperwork. I believe Cash App participated in enforcing an invalid judgment, and I request that the CFPB investigate their conduct and require them to produce any legal basis for the restraint.

How I Was Harmed : I experienced serious financial hardship and emotional stress due to the unlawful restraint and seizure of funds. These funds were necessary for transportation, living expenses, and care for my permanently disabled son. My credit reputation has also been harmed, and I was forced to begin legal proceedings to vacate default judgments that should never have been issued.

What I Am Requesting : I request the following relief from the companies and legal firms involved : Immediate reversal of all garnishments and account restraints Full reimbursement of the {$5100.00} taken from my XXXX account A formal investigation into the actions of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and any related firms Permanent cease and desist against the use of any court orders derived from improper service or falsified documents Assurance that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld Legal Precedent Cited : I reference legal precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX, which affirm the importance of proper service and verification before any legal enforcement can occur. These cases further support that default judgments based on defective or fraudulent service are void and unenforceable. 

I respectfully request the CFPB take swift action to ensure my rights as a consumer are protected, and that the parties involved are held accountable for their unlawful conduct. 

STATEMENT FOR CFPB COMPLAINT Complainant : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, GA XXXX What Happened : In XX/XX/year>, I experienced unauthorized garnishment and account restraints based on court judgments I was never properly notified of. One judgment, under Index XXXX. XXXX in XXXX XXXX Supreme Court , claimed service via USPS to an address I do not reside at and have never used. A second judgment, Index No. XXXX, followed the same pattern. A third case, XXXX, was filed in XXXX XXXX using the completely false address of XXXX XXXX XXXX, XXXX, GA. 

While my correct address of XXXX XXXX XXXX, XXXX, GA XXXX does appear on at least one court document, there is no verifiable trail or proof of proper service as required by law. I was not personally served, nor was any valid notice provided. No affidavit of service has been lawfully executed, and I had no knowledge of these actions until after funds were taken and my accounts were restrained. Therefore, any claim of service is legally insufficient and can not justify the enforcement that followed.

The law firms and individuals involvedXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX judgments and restrained accounts without confirming lawful service or validating the debt. These parties used fraudulent documents and affidavits to obtain judgments that violated my due process rights. 

As a result, {$5100.00} was seized from my XXXXXXXX XXXX  account, and my Cash App account was unlawfully frozen, depriving me of personal funds and causing financial instability. These actions were taken without court verification, without my knowledge, and without an opportunity for me to contest the matter. 

Furthermore, I recently became aware that a fraudulent check or credit exceeding {$32000.00} was deposited and used as the basis to justify the seizure of my personal funds. I did not authorize, receive, or benefit from this deposit. It was falsely attributed to me in an attempt to enforce an invalid claim. The use of this fabricated financial instrument is a gross violation of my rights and serves as additional proof of coordinated fraud.

Cash App Account Restrained : My Cash App account was unlawfully frozen without notice or legal justification. Despite my attempts to contact them and request documentation, I received no court order or valid garnishment paperwork. I believe Cash App participated in enforcing an invalid judgment, and I request that the CFPB investigate their conduct and require them to produce any legal basis for the restraint.

How I Was Harmed : I experienced serious financial hardship and emotional stress due to the unlawful restraint and seizure of funds. These funds were necessary for transportation, living expenses, and care for my permanently disabled son. My credit reputation has also been harmed, and I was forced to begin legal proceedings to vacate default judgments that should never have been issued.

What I Am Requesting : I request the following relief from the companies and legal firms involved : Immediate reversal of all garnishments and account restraints Full reimbursement of the {$5100.00} taken from my Chase account A formal investigation into the actions of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and any related firms Permanent cease and desist against the use of any court orders derived from improper service or falsified documents Assurance that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld Legal Precedent Cited : I reference legal precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, which affirm the importance of proper service and verification before any legal enforcement can occur. These cases further support that default judgments based on defective or fraudulent service are void and unenforceable. 

I respectfully request the CFPB take swift action to ensure my rights as a consumer are protected, and that the parties involved are held accountable for their unlawful actions. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation