Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I recently experienced a serious issue with Cash App ( Block , Inc. ) due to their lack of customer service and unfair business practices, which ultimately resulted in financial and personal distress. After encountering a problem with my accountwhether it was an unauthorized transaction, a frozen account, or difficulty accessing my fundsI found that Cash App had no direct customer service phone number to resolve urgent issues. Instead, I was left with automated responses and delays, making it nearly impossible to receive timely support.

Furthermore, I discovered that Cash App had questionable practices regarding the handling of personal data. Many users, including myself, have reported instances where their personal or financial information appeared to be compromised, leading to potential fraudulent transactions or identity theft. This raises concerns about whether Cash App is in compliance with federal laws designed to protect consumers, including : The Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531, 5536 ) The CFPA prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) by financial service providers. Cash Apps failure to provide adequate customer service, their lack of transparent dispute resolution, and their potential mishandling of personal information could be considered violations under this law. If their negligence led to financial harm or an inability for consumers to access their own funds, they may be held accountable under CFPA provisions.

The Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531, 5536 ) The CFPA prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) by financial service providers. Cash Apps failure to provide adequate customer service, their lack of transparent dispute resolution, and their potential mishandling of personal information could be considered violations under this law. If their negligence led to financial harm or an inability for consumers to access their own funds, they may be held accountable under CFPA provisions The Gramm-Leach-Bliley Act ( GLBA ) This law requires financial institutions to protect customers nonpublic personal information. If Cash App failed to properly secure sensitive data, they may have violated this law.

The Electronic Fund Transfer Act ( EFTA ) ( Regulation E ) This la
w protects consumers against unauthorized electronic transactions. Cash Apps failure to provide adequate dispute resolution processes and timely customer service could be seen as a violation of this act.

The Federal Trade Commission Act ( FTC Act ) This law prohibits unfair or deceptive business practices. If Cash App misrepresented their security measures or failed to provide necessary customer support, they may be in violation.

The California Consumer Privacy Act ( CCPA ) ( if applicable ) If Cash App mishandled personal data for users in California, they could be in violation of the CCPA, which requires companies to disclose how they collect and use consumer data and allows users to request deletion of their information. 

Due to these failures, I was left in a vulnerable positionunable to access my funds, resolve disputes, or protect my personal information. The lack of customer support made it clear that Cash App prioritizes profit over consumer protection, which is unacceptable for a financial service provider. As a direct result of these actions, I have experienced significant inconvenience, undue stress, and financial loss. Given the violations outlined above, I demand an immediate reimbursement for the funds that were wrongfully withheld or lost due to Cash Apps negligence, along with appropriate compensation for damages caused by their failure to provide adequate customer service.

I expect full reimbursement and a resolution to this issue within 10 business days from the date of this notice. Furthermore, I request written assurances that corrective measures will be taken to prevent future occurrences of these issues.

Company response to consumer: Closed with explanation