Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TX

Complaint narrative:
Your Name : XXXX XXXX Business Name :XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX 
Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this formal regulatory complaint against Square , Inc. ( Block , Inc. ) regarding the unlawful holding of my business funds, the abrupt closure of my account after identity verification, and the refusal to release my money for 180 days without justification. Also to include representatives refusal to speak with supervisor and hung up on calls, totally disrespectful. 

Summary of XXXX XXXX XX/XX/XXXX, my business XXXX XXXX received customer payments for legally completed sales. Shortly afterward, Square flagged my account for identity verification. I immediately complied and submitted all requested documentation. 

On the same day, I spoke with a Square manager named XXXX, ( XX/XX/XXXX Case number XXXX XX/XX/XXXX & Case number XXXX by XXXX ) who confirmed via email that : My funds were verified, A transaction credit was applied, and My account was in good standing. 

Despite this, the funds were never released. 

Account Closed After Verification When I contacted Square again, I was informed without explanation that : My entire account had been permanently deactivated, Square would not allow me to speak to a manager, and My money would be held for 180 days before they may release it.

This occurred after Square confirmed my verification and after my sales were completed and delivered to the customer. 

Financial Hardship Created by Square Because Square wrongfully withheld my funds : I was unable to buy groceries, My family and I could not eat XXXX dinner, I am currently unemployed, and This action placed significant financial and emotional hardship on my household. 

Squares decision has directly caused extreme distress, instability, and a loss of trust in their financial services. Their refusal to escalate my concerns or provide a legitimate basis for holding my funds appears to violate basic consumer protections and raises questions about unfair and deceptive practices. 

Requested Resolution I respectfully request that this matter be reviewed and that Square be required to : Immediately release the funds associated with transactions on XX/XX/XXXX, ( ReceipXX/XX/XXXX- {$370.00} ) Provide a written explanation for the account deactivation after verification, Provide regulatory review of Squares unfair and inconsistent account closure practices, Ensure that Square ceases withholding funds without due cause. 

I have attached supporting details, including dates, communications, and transaction information, and I am prepared to submit all evidence, including the email from manager XXXX confirming my funds were approved. 

Conclusion Squares actions were unfair, punitive, and harmfulespecially to a small business owner who relied on these funds for essential family needs during a holiday. I am seeking regulatory intervention to correct this serious injustice and prevent further harm. 

Thank you for your time and attention to this matter. I am available for any additional information needed. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation