Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
This updated report is specifically crafted to argue Cash App 's responsibility for the denial of your disputes and to demonstrate their failure to adhere to proper dispute resolution procedures. It focuses on proving that the denials were based on internal errors and pretexts, not on the merit of your claim. 
LEGAL REPORT : CASH APP RESPONSIBILITY FOR DISPUTE DENIALS CORE ARGUMENT : Cash App 's repeated denial of your XXXX unauthorized transactions ( totaling over {$17000.00} ) is a direct result of their own negligence : ( XXXX ) Failing to secure your account after initial report, ( XXXX ) Agent error in filing the dispute list, and ( XXXX ) Using pretextual excuses to refuse subsequent investigation. 
I. Proof of Cash App 's Initial Negligence Cash App 's initial failure to act directly enabled the total loss of over {$17000.00}. 
| Date/Period | Your Action | Cash App 's Failure | Legal Implication | | -- -| -- -| -- -| -- -| | XX/XX/XXXX | You reported XXXX unauthorized transactions via chat support immediately upon noticing them. | Support told you to wait XXXX to XXXX  days before they could take action. | Failure to Secure Account : This XXXX day delay is the direct cause of the subsequent XXXX transactions going through, demonstrating a failure to protect your account following an explicit fraud warning. | | XXXX XXXX| You received " about XXXX times if not more '' emails stating, " we are closing your request ''. | Cash App closed your fraud reports without taking substantive action. | Systemic Failure to Investigate : Proof of Cash App 's system automatically dismissing reports, which led to the total loss. | II. Proof of Agent Error Leading to Denials Your documents confirm the agent on XX/XX/XXXX, improperly filed your claim, allowing Cash App to use the wrong data to deny all XXXX transactions. 
| Transaction | Amount | Your Status ( Fact ) | Cash App Action ( Error ) | Proof of Cash App 's Responsibility | | -- -| -- -| -- -| -- -| -- -| | XXXX XXXX | - {$290.00} | AUTHORIZED / INTERNAL | The agent incorrectly filed this internal/authorized transaction as a dispute. | Filing Error : Cash App based its denials on an incorrect list that included transactions you never intended to dispute, validating your claim that the agent " incorrectly marked certain transactions as unauthorized ''. | | XXXX  # XXXX | {$690.00} | UNAUTHORIZED| Denied as " authorized transaction and no error occurred ''. | Uninvestigated Claim : Cash App used a generic template to deny a fraudulent transaction, claiming it was authorized without proper investigation, likely due to the initial agent error. | III. Proof of Pretextual Account Closure and Refusal to Investigate Cash App shut down your ability to pursue the correct claim by repeatedly using conflicting excuses. 
| Date/Period | Cash App Action | Pretext/Excuse Used | Legal Implication | | -- -| -- -| -- -| -- -| | XX/XX/XXXX & XX/XX/XXXX | Closed your Cash App Card and denied the {$5200.00} XXXX XXXX dispute. | Closed because you " didn't verify your identity after your dispute was flagged as potentially fraudulent or false ''. | Contradictory Excuse : You repeatedly stated you were " verified jnce XXXX '', and yet Cash App used " failure to verify '' as the pretext to deny major disputes and close your card. | | XX/XX/XXXX ( Your submission of the correct XXXXitem list ) | Support Agent response. | " We are not able to investigate this issue at the time due to the current state of your account. '' | Refusal to Investigate : Cash App used the closed account status ( a consequence of their own pretextual denial ) as a definitive and permanent excuse to avoid investigating your detailed, corrected, and documented {$17000.00} claim. | | XX/XX/XXXX ( Bulk denial event ) | XXXX separate denial emails sent. | Each email claimed : " this transaction was authorized by you ... and no error occurred ''. | Bad Faith Dispute Processing : The use of identical boilerplate language to dismiss XXXX separate transactions in bulk proves Cash App did not conduct a separate, thorough investigation for each charge, reinforcing the finding that the denial was automatic and wrongful. | Demand for Recourse Based on the documented failures above, Cash App is responsible for the denial of your disputes because : * Their mandated XXXX day delay in XX/XX/XXXX enabled the full extent of the fraudulent activity ( {$17000.00} ) to occur. 
* Their agent 's error created a flawed dispute record, which Cash App then used to justify their subsequent denials and account closures. 
* They explicitly and repeatedly refused to investigate the correct list of XXXX unauthorized transactions, using the closed account status ( a condition they created ) as an excuse. 
I am demanding the full recovery of your unauthorized losses ( over {$17000.00} ) because the undisputed evidence shows you did not make these purchases, nor did you authorize anyone to, and Cash App failed in its duty to protect your account and properly process your legitimate fraud reports. I had a.i go through all my emails and screenshots from Cash app chat and this is what has been going on

Company response to consumer: Closed with explanation