Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, my account was hacked via XX/XX/XXXXdevices ( I use an XXXX XXXX XXXX ) and {$1200.00} was stolen. I filed an initial claim on XX/XX/XXXX ( Case XX/XX/XXXXXXXX ) and a XX/XX/XXXX on XX/XX/XXXX ( Case XX/XX/XXXXXXXX ). Cash App has violated Regulation XXXX by failing to provide a provisional credit within XXXX business days of my initial report. Here is the letter that I will be sending to them : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Cash App / Block , Inc . XX/XX/XXXX: Legal Department / XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/year> NOTICE OF DISPUTE & DEMAND FOR REFUND CASE XX/XX/XXXXXXXX andXX/XX/XXXXXXXX To the Cash App Legal and Support Teams, This is a formal notice of dispute under Regulation XXXX ( XXXX XXXX XXXX ) regarding unauthorized electronic fund transfers totaling {$1200.00}. These transactions occurred on XX/XX/year>, without my knowledge or consent. Evidence of Unauthorized Access : I am the sole user of this account and I exclusively access Cash App via my XXXX XXXX Pro. My account activity log for XX/XX/XXXX and XXXX shows multiple unauthorized logins from XXXX devices located in XX/XX/XXXX, andXX/XX/XXXX. I have never owned these devices nor have I been in those states during the time of these transactions. History of Reporting : XX/XX/year> : I immediately notified my primary financial institution, XXXX XXXX XXXX, upon discovering the activity. They advised that because the breach occurred within the Cash App ecosystem, the dispute must be handled by Cash App. XX/XX/year> : I filed my first formal claim with Cash App Support. XX/XX/year> : Due to a lack of professional handling and errors by support staff, I was forced to re-file the claim. Specific Fraudulent Transactions to " XXXX XXXX '' : I have identified XXXX specific transfers totaling {$1200.00} sent to an individual named XXXX XXXX. These are clearly fraudulent : XXXX. {$210.00} ( XXXX. ID : XXXX ) XXXX. {$240.00} ( XXXX. ID : XXXX ) XXXX. {$250.00} ( XXXX. ID : XXXX ) XXXX. {$240.00} ( XXXX. ID : XXXX ) XXXX. {$240.00} ( XXXX. ID : XXXX ) The remaining balance consists of XXXX questionable loan-repayment charges and duplicate attempts triggered by the hacker 's activity. I owe a loan payment for {$260.00}, but aside from that, it is a clear case of fraud. There are multiple withdrawal attempts for the same amounts. Legal Demand : Under the Electronic Fund Transfer Act, a financial institution must investigate and, if the investigation exceedsXX/XX/XXXX days, provide a provisional credit. Cash Apps failure to recognize a clear hardware mismatch ( XX/XX/XXXXvs. XXXX ) and geographical impossibility constitutes a failure of its duty to protect my funds. I am demanding a full refund of {$1200.00} immediately. Ill be sharing this documentation with the XXXX XXXX Department XXXX XXXX XXXX, the CFPB, the FTC, and the FBI ( XXXX ). Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation