Consumer complaint received 2026-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date : XX/XX/XXXX Cash App Disputes XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX Re : Demand for Investigation and Repayment Account # XXXX. Routing # XXXX. Cash tag : itsapparent Gambling-Related Losses Dear Cash App Disputes Team, I am writing pursuant to your account statements dispute instructions to report errors in my Cash App account activity from XXXX thru XX/XX/XXXX totaling approximately {$64000.00} based on statements. These errors stem from Cash Apps failure to protect me as a consumer from known patterns of gambling transfers to clearly stated online casinos per statements attached. despite repeated high-frequency transactions indicative of casino/gambling activity. Key Facts from Attached Statements : XX/XX/XXXX, Back to back to back to back Cash App card purchases to XXXX XXXX XXXX XXXX with {$1000.00} dollar repeated transactions with no red flags raised for high risk activity or possible fraudulent activity. XXXX : XXXX transactions to Clearly stated Casinos totaling {$22000.00} dollars with no interactions from Cash App protecting me the consumer. No flagged high risk activity. No pausing of account to verify activity. * This account was never monitored for anything as you can clearly see on the provided statements. We can go as far back as XXXX and easily see the repeated patterns of gambling activity that would exceed $ XXXX to $ XXXX dollars ( including all bitcoin transfers to online casinos ) and nothing at all was ever done to prevent or protect me as the consumer. Clearly Laws and Regulations were broken or just dismissed all together. My statements acknowledge : Contact us as soon as you can, if you think your statement is wrong, and promise investigation within 10 business days with provisional credit. Cash App, as a financial services platform ( not a bank ), has a duty under federal Electronic Fund Transfer Act ( Reg E ) and state consumer laws ( Louisiana Unfair Trade Practices Act ) to monitor and prevent predatory patterns, especially gambling, which is restricted on your platform. I believe these were unauthorized or error-facilitated losses due to : ( 1 ) lack of transaction monitoring/blocking for known gambling hallmarks ( frequent small to high transfers and purchases ( WITH CASH APP CARD ) + XXXX conversion ) ; ( XXXX ) no consumer alerts despite patterns ; ( XXXX ) enabling transfers to likely gambling proxies ( XXXX purchases and immediate XXXX ) Demand : Investigate immediately and repay {$64000.00} within XXXX business days, as stated in your policy. Provide a written explanation of your monitoring processes and why no protections activated. If unresolved by [ XX/XX/XXXX ], I will escalate to arbitration ( per your terms ), Louisiana Attorney General, CFPB complaint, and private counsel for recovery, including punitive damages. Attached : Account statements ( XXXX thru XX/XX/XXXX ) transaction spreadsheet summary. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation