Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a wrongful chargeback and subsequent account deactivation by Cash App. This situation has caused me financial loss and significant inconvenience, and I believe Cash App has mishandled my case and treated me unfairly. 

Details of the Transaction : * Date of Transaction : XX/XX/year> * Amount : {$70.00} * Nature of Transaction : Sale of goods ( XXXX XXXX XXXX XXXX  ) to a buyer who paid through Cash App. 
On XX/XX/year>, I sold XXXX XXXX XXXX XXXX  to a buyer who agreed to pay {$70.00} through Cash App. The payment was successfully processed, and I shipped the XXXX to the buyer as agreed. After the buyer received the XXXX, they filed a chargeback, falsely claiming that the transaction was unauthorized. Cash App subsequently reversed the payment and deactivated my account. 
Evidence of Fraud by Buyer : 1. Proof of Transaction : I have a Cash App transaction record showing the completed payment of {$70.00} on XX/XX/year>. This proves the buyer authorized the transaction. 
2. Conversation with Buyer : I have attached screenshots of my conversations with the buyer through XXXX XXXX and XXXX. These messages confirm that the buyer agreed to purchase the XXXX, provided contact information for the transaction, and later acknowledged receiving the item. 
3. Verification of Buyers Identity : The buyer 's phone number, as shown in the screenshots, matches the phone number linked to their Cash App account. This provides clear evidence that the buyer is the same individual who completed the transaction and later filed the chargeback, proving their claim of an unauthorized transaction to be false. 
4. Buyers Behavior : After the chargeback was filed, the buyer blocked me on messaging platforms, which is suspicious behavior and suggests intent to defraud. 

Communication with Cash App Support : Prior to filing the dispute, I contacted Cash App support to inquire about the impact of a chargeback dispute on my account status. A Cash App representative assured me that my account would not be deactivated if I proceeded with disputing the chargeback. This was my first chargeback, and I trusted Cash Apps guidance. Despite following their instructions and providing the necessary information, my account was still deactivated, and my funds were reversed in favor of the buyer. 

Attachments Included with This Complaint : 1. Cash App Transaction Record : * File Name : cash app transaction.PNG * Description : Screenshot showing the {$70.00} payment made by the buyer through Cash App, disproving their claim that the transaction was unauthorized. 
2. Screenshots of XXXX XXXX XXXX : * File Names : XXXX, XXXX, XXXX, XXXX * Description : These screenshots capture the buyers confirmation of the transaction, including their agreement to purchase the XXXX, contact details for the exchange, and acknowledgment of the transaction. This proves that the chargeback was fraudulent on the buyers part. 
3. Screenshots of XXXX Conversation : * File Names : text XXXX, text XXXX, text XXXX * Description : Images showing my communication with the buyer, including their agreement to meet for the transaction, completion of the sale, and their subsequent blocking of me after I notified them of the chargeback. This supports my claim that the chargeback was fraudulent and that the buyer attempted to deceive me.

Company response to consumer: Closed with explanation