Money transfer, virtual currency, or money service -- Unauthorized transactions or other transaction problem -- Complaint #19639318
Complaint Overview
Complaint ID: 19639318
Company: Block, INC.
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem
State: Texas
ZIP Code: 77042
Date Received: 2026-02-19T12:00:00-05:00
Date Sent to Company: 2026-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding an unauthorized electronic transaction in the amount of {$96.00} that was processed through my Cash App account by XXXX without my authorization. I initially reported this unauthorized transaction to Cash App on XX/XX/scrub> 2026, and completed the required dispute form. Cash App confirmed receipt of my dispute on XX/XX/year>2026, and began an investigation on XX/XX/year>2026. This dispute was submitted as an unauthorized electronic fund transfer. I did not authorize this XXXX transaction from my Cash App account. During the course of the investigation, I followed up with Cash App requesting clarification regarding whether provisional credit would be issued while the investigation was ongoing, as this transaction was reported within the required timeframe under the Electronic Fund Transfer Act ( Regulation XXXX ). My request for this information was not addressed. Cash App has since responded by stating that there is no automatic XXXX-business-day provisional credit for " Service Claims '' and has indicated that my claim may take up toXX/XX/XXXX days to investigate and resolve. This response suggests that my dispute may have been categorized as a service-related merchant dispute rather than an unauthorized electronic transaction, despite my report that I did not authorize this charge. The continued lack of access to funds that were withdrawn without my authorization has caused financial inconvenience. I am concerned that my claim is not being reviewed under the appropriate classification for unauthorized electronic fund transfers, which impacts the applicable investigation timelines and consumer protections under Regulation XXXX. I am requesting reimbursement of the unauthorized {$96.00} charge, issuance of provisional credit during the investigation if the review remains ongoing, and written confirmation that this matter is being handled in compliance with applicable consumer protection requirements under the Electronic Fund Transfer Act.
Frequently Asked Questions
What is Complaint #19639318 about?
Complaint #19639318 was filed against Block, INC. regarding Money transfer, virtual currency, or money service specifically about Unauthorized transactions or other transaction problem. It was received by the CFPB on 2026-02-19T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.