Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was I looking for a personal loan and was scammed on XX/XX/year> involving my bank and CashApp. XXXX scammer said they were with XXXX XXXXXXXX XXXXking and the second one was with XXXX XXXX. The XXXX scammers- XXXX XXXX deposited XXXX fraudulent checks into my bank account in the amount of {$130.00} each for a total of {$410.00}. Then wanted me to CashApp the money back to them. This process is what they called was a way of verifying my actual checking account. Then I was supposed to CashApp the money back to them which I did to a XXXX debit or checking card, I wrote down and have the actual card number. in which I end XXXX they charge me {$600.00} for taxes and {$800.00} for origination fees. I asked them to send me some paperwork with a contract. I felt like something was wrong and stop this process. A case was filed for this but it was eventually closed by CashApp. I started getting individual email questions for items that I had already answered and then I was emailed more questions and because I didnt answer in 3 days the case was closed. 
The second scammers were from XXXX XXXX and presented me some paperwork for an approved loan and again deposited XXXX checks {$200.00} XXXX. So I would need to CashApp the money back to them. They ask me for my cash app account to send the funds back. It has been a long time since I had gotten a loan and thought this was a new process. But unbeknownst to me they end of paying XXXX merchants in XXXX transactions. XXXX transaction to XXXX in the amount of $ XXXX XXXX in the amount of {$1500.00} to XXXX. Once I realized that I was scammed I contact CashApp and the payments to the merchant account was still pending. I wanted them to reverse the charge but they told me I could only dispute payment once the transactions had gone thru. Then the representative told me that I would not probably get this money back. However I said that I would try at least XXXX of the transaction to see if I would be refunded this money back. On XX/XX/year> XXXX refunded {$980.00} back to my CashApp account. After seeing this I disputed the remaining XXXX merchant payments. On XX/XX/year> these transactions were denied. The XXXX merchants XXXX & XXXX were foreign merchants and during my 7 years with CashApp I have never had any foreign merchant transactions in my account. Cashapp did not help me as a customer who had been scammed even when I supplied them evidence of the fraudulent activity. My bank XXXX XXXX even had reverse the fictious checks because they knew this was a scam. When I went back to appeal the merchant checks on XX/XX/year>, CashApp then closed my account stating that I violated there terms of service policy. Cashapp act as if they did not believe this was a scam and even stated that I was part of the scam or associated with the participants. Cashapp should have gone after these merchants and reverse the fraudulent unauthorized merchant payments and also the payments for taxes and origination fees on a loan that never took place.

Company response to consumer: Closed with explanation