Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to persistent issues I have encountered with their customer service and unfair business practices, which violate the Consumer Financial Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Due to serious issues, I have experienced with their customer service and unfair business practices regarding a financial transaction involving my aunt ( XXXX XXXX ). 
These experiences have not only caused me frustration but have also raised concerns regarding their adherence to consumer protection laws. Note : This only one issue I've experience, and this one was my most concern because the amount of money that scammed from us.

Despite multiple attempts to resolve my concerns directly with Cash App, I have found their customer service to be inadequate. Specifically, my experienced-on XX/XX/year>, My aunt sent me {$5000.00} as a loan to help with my bills after I was laid off from my job. Unfortunately, the first transaction did not go through, and she subsequently sent the money again. I received the second {$5000.00} and, following Cash App 's instructions, I sent it back. However, after explaining my situation to Cash App, they requested additional information. Ultimately, I never received the original {$5000.00} loan from my aunt, leaving her out of a total of {$10000.00}. 

This situation has caused immense emotional distress for both of us. My aunt was devastated and cried, and I felt helpless, leading to a XXXX XXXX and increased anxiety that required me to seek prescription medication. The mental anguish we both experienced during this time of need, when my family was trying to support me, has been overwhelming.

I firmly believe that Cash App 's inadequate handling of this matter may violate the Consumer Financial Protection Act. Therefore, I am requesting that the CFPB assist in recovering the total {$10000.00} that my aunt sent me. Additionally, I seek compensation for the emotional pain and suffering caused by this situation. 

I hope to see a resolution that allows me to restore my aunt 's faith and bring a smile back to her face at the age of XXXX. 

I believe these practices may violate the Consumer Financial Protection Act, as they compromise the rights of consumers to receive fair and equitable treatment. 

I request that the CFPB publish this complaint to inform others of my experience and to encourage Cash App to improve their customer service and practices. 

Furthermore, their dispute resolution process was unfair, and deceptive, as they did not comply with the error resolutions see below : Unfair or Deceptive Acts or Practices : Failing to provide adequate customer service and resolving transaction issues can be viewed as unfair practices. 

Timely Resolution of Disputes : The inability to resolve your transaction issues promptly may violate consumer protection standards.

Transparency : Not providing clear information about the transaction process and the reasons behind the failures could be seen as a lack of transparency.

Duty to Investigate : If Cash App did not adequately investigate the issues surrounding your transactions, this could also be a violation.

under electronic fund act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations. Thank you in advance for your assistance in this matter! God Bless!

Company response to consumer: Closed with explanation