Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX $ XXXX Email : XXXX Subject : Final Demand Before Legal Action Unlawful Retention of Reversed Funds and Request for Compensation To Whom It May Concern : This letter serves as my formal notice of intent to initiate legal proceedings against Cash App ( Block , Inc. ) for its unlawful failure to return funds after a merchant-initiated reversal, as well as for the resulting financial damages and emotional distress I have endured. 

On XX/XX/year>, I was charged {$150.00}, which I disputed the same day with a cash app and was subsequently reversed by the merchant despite this reversal being processed and acknowledged by the merchant approximately 5 days ago, Cash App has refused to return the funds to my account, nor have they granted a provisional credit upon my request this clear violation of their legal obligations. 

I made multiple good faith attempts over the past 14 days to resolve this through Cash App 's support system. Including submitting evidence of the merchant, I was met with generic responses, no action, multiple complaints opened up and still no refund. This unjust delay has caused severe financial hardship, preventing me from purchasing essential items and even hindering my ability to work as a uber delivery driver as I was left without gas to make deliveries my sole source of income. 

This is not merely poor service it is a violation of the Electronic Fund Transfer Act ( Regulation E ), which requires that financial institutions : Promptly investigate disputes, Provide resolution within 10 business days ( or issue provisional credit ), And notify consumers of their rights and outcomes. 

Cash App has failed on all three fronts. Additionally, Block , Inc. is currently under regulatory oversight by the Consumer Financial Protection Bureau ( CFPB ) and is bound by a consent order issued in XX/XX/year>, which reinforces these obligations and mandates timely resolution of user complaints. 

Demand for Immediate Action I am demanding the following, 1. Full return of the reversed funds {$150.00} 2. An additional {$350.00} in compensation for the time lost, financial damages, and emotional distress caused by this egregious mishandling and violation of my rights ; XXXX. Written acknowledgment of the mishandling of my account and commitment to compliance going forward. 

Notice of Intent to Sue If these demands are not met within the time specified above, I will proceed without further notice to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit a report to the XXXX XXXX XXXX XXXX XXXX XXXX and relevant state Attorney Generals office ; Pursue legal action in small claims court for the full amount owed, plus damages, court costs, and any additional statutory penalties available to me ; Publicly document my experience to inform other consumers. 

Please be advised that this is your final opportunity to resolve this matter without legal action. 

Sincerely, XXXX XXXX $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation