Consumer complaint received 2026-05-18 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : The Consumer Financial Protection Bureau ( CFPB ) & Federal Deposit Insurance Corporation ( FDIC ) Subject : APPEAL AND EXPEDITED COMPLAINT Regulatory Bad Faith, Ledger Alteration, and Misappropriation of FEMA Funds ( TREAS 310 ) by Block , Inc . To the Investigating Agents, I am filing this expedited complaint because Block, Inc. ( Cash App ) is acting in regulatory bad faith and actively obstructing federal oversight. They successfully manipulated the automated closure of my previous CFPB complaint by falsely claiming they could not verify my identity. This claim is a provable lie. I have held this Cash App account since XXXX, and my residential address at XXXX XXXX XXXX, XXXX, KY has remained completely unchanged for over XXXX years. Furthermore, Cash App recently issued a detailed, nine-page legal response to me regarding this exact account history. The issuance of that multi-page defense proves definitively that they have full access to my data, know exactly who I am, and have already verified my identity. They are weaponizing a fabricated verification issue to dodge accountability for draining protected federal disaster relief funds. I have attached my state-issued ID and my Cash App profile settings to completely eliminate this excuse. I am requesting a full, unredacted investigation into the following documented Regulation E and compliance violations perpetrated by Cash App and its partner banks ( XXXX XXXXXXXX XXXX and XXXXXXXX XXXX ) : I. Retaliatory Balances and the Siphoning of FEMA Disaster Relief After I successfully won a bank dispute for unauthorized charges, Cash App retaliated in direct violation of Regulation E by manually forcing my account into a negative - {$400.00} status. This manufactured negative balance is being used to illegally siphon my protected FEMA TREAS 310 disaster relief deposits. They recently intercepted a {$140.00} refund, followed by a {$180.00} withdrawal. Furthermore, they launched a " velocity attack, '' successfully attempting to withdraw {$180.00} XXXX consecutive times in a matter of minutes. Despite formal complaints, bank disputes, and regulatory inquiries, the company continues to drain these protected federal funds. XXXX. The " XX/XX/XXXX Flip '' and Retroactive Ledger Tampering I have forensic proof that Cash App manually changes transaction statuses weeks after the fact. A payment originally marked as " XXXX XX/XX/XXXX '' was retroactively flipped in the app to " XXXX XX/XX/XXXX. '' However, their own nine-page legal response contradicts this, stating the money was not refunded until XXXX. I did not file a dispute until XXXX, proving they altered my financial records prior to any reported problem to fabricate a {$100.00} " phantom debt '' for canceled orders. No actual funds were ever returned to my account. XXXX. Double-Ledger Discrepancies and Concealed Withdrawals The front-end application interface directly contradicts the back-end raw CSV data, hiding the movement of funds. A XXXX screen recording I have provided captures a sequence of daily withdrawals appearing as " Declined '' in the app interface, stripped of all identifying metadata. However, the raw XXXX ledger identifies these exact same transactions as " COMPLETE. '' IV. Missing Records and Fabricated Timelines Cash App 's internal practices are actively destroying consumer records. The ongoing practice of unauthorized withdrawals has rendered the XX/XX/XXXX periodic statementsthe exact timeframe when this begancompletely unavailable. In addition to missing records, they are fabricating impossible dates : I possess a formal document from Cash App issued in XX/XX/XXXX that cites a refund issued in the future ( XX/XX/XXXX ). Block, Inc. is currently under a {$170.00} XXXX federal consent order for these exact practices. They are lying to federal regulators to hide the fact that they are draining FEMA funds from a long-term, verified account holder. I am formally requesting that the CFPB and FDIC compel Block, Inc. and its partner banks to immediately cease all withdrawals from my account, restore the illegally drained FEMA funds, and submit to a full audit of the contradictory double-ledgers outlined in this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation