Prepaid card -- Advertising -- Complaint #13834163
Complaint Overview
Complaint ID: 13834163
Company: Block, INC.
Product: Prepaid card
Sub-Product: General-purpose prepaid card
Issue: Advertising
Sub-Issue: Confusing or misleading advertising about the card
State: Texas
ZIP Code: 77075
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I attempted to use Cash Apps Buy Now Pay Later ( BNPL ) feature both in-store and online at Target. The program was advertised as allowing full deferred payment, but in practice, it required an upfront partial payment ( e.g., {$8.00} ) and imposed a {$15.00} minimum purchase limit. These conditions were never disclosed in the user agreement, promotional material, or checkout interface. Details : I used Cash Apps virtual BNPL card via XXXX XXXX at a Target store on XX/XX/year>. The transaction was declined despite proper setup. I attempted online checkout and was forced to pay {$8.00} upfront despite selecting the XXXX option. I reviewed XXXX XXXX XXXX terms and confirmed there was no mention of upfront payment or minimum threshold. Screenshots of the terms and payment screen are included. A XXXX employee verbally confirmed the program is misleading and requires upfront payment. I believe this constitutes deceptive lending practices, failure to disclose material conditions, and consumer fraud. Involved Parties : Cash App XXXX Block Inc. XXXX XXXX ( as participating retail partner )
Frequently Asked Questions
What is Complaint #13834163 about?
Complaint #13834163 was filed against Block, INC. regarding Prepaid card specifically about Advertising. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
How did Block, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Prepaid card) and describe your issue in detail.
Can I see other complaints against Block, INC.?
Yes, visit the Block, INC. company profile at readthecomplaint.com/company/block-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.