Credit card or prepaid card -- Getting a credit card -- Complaint #4789532
Complaint Overview
Complaint ID: 4789532
Company: Block, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Oklahoma
ZIP Code: 73120
Date Received: 2021-10-07T12:00:00-05:00
Date Sent to Company: 2021-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Thursday, XX/XX/2021, I received a " CashApp '' credit card via USPS mail, which was issued by Square , Inc. I did not submit a credit application to Square Inc. or to Cash App for this line of credit, and this account was instead opened fraudulently by someone using my identity. Upon receiving the card, I immediately attempted to make contact with Square , Inc. using the Cash App 's support phone number, which would not connect me with any person who could close this fraudulent account. I additionally attempted to contact Square , Inc directly through its support phone number, which also refused to connect me with any representative who could provide assistance. I am therefore submitting this complaint to the Consumer Financial Protection Bureau, noting the following additional facts : - As I have a fraud alert currently active on all major consumer credit bureaus, opening a line of credit requires additional verification of identity. This verification was not performed by Square , Inc. - Failure to conduct identity verification for individuals with active fraud alerts puts Square , Inc., in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Willful noncompliance with the Act makes Square , Inc. liable for " any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, '' and additionally, " the costs of the action together with reasonable attorneys fees as determined by the court '' in the event of any successful action. - Failure to provide reasonable means for individuals to call over telephone to resolve FCRA noncompliance issues constitutes negligence on behalf of Square , Inc. - Numerous news reports ( https : XXXX, https : XXXX, https : XXXX ) indicates potentially thousands of individuals have received CashApp cards fraudulently, or have had their CashApp accounts illegally hacked, implicating that Square, Inc. is negligent in managing highly sensitive user data, unwilling to comply with FCRA, or otherwise is acting in bad faith as a creditor and as a business concern.
Frequently Asked Questions
What is Complaint #4789532 about?
Complaint #4789532 was filed against Block, INC. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2021-10-07T12:00:00-05:00.
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 (Credit card or 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.