Cash App Unauthorized Deductions

Summary

The user, based in Florida, reported unauthorized changes to their Cash App account from personal to business, leading to deductions of 2.5% on every transaction. The user did not consent to these changes and has been unsuccessful in resolving the issue with Cash App. The user has been advised to file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Florida Department of Financial Services. The user has also been advised to seek legal advice from a local attorney.

Full Conversation

No I did not I am legally blind and never authorized them to do anything that pertain to business account I didn't even know they had a business account and personal account until that happened to me
Did you receive any email or notification from Cash App about the change in your account type?
No I did not
Did you contact Cash App's customer service regarding this issue?
Yes I did they told me that they gave me a one-time currency cash back for $* and that they couldn't do no more and that's bull crap right there shows negligence and they were in the wrong for taking my money by even refunding me any kind of money back
Did you keep a record of your transactions showing the *.*% deductions? This could be crucial evidence. In general, unauthorized account changes may violate consumer protection laws.
All my transactions that were made is on cash app
Have you considered filing a complaint with the Consumer Financial Protection Bureau (CFPB) regarding this issue?
No I don't know what to do or how to do this or what step to take
What state are you located in? This will help me provide you with the most accurate information.
I'm in Florida
Have you considered seeking legal advice from a local attorney? In Florida, unauthorized account changes may violate consumer protection laws. You can contact the Florida Bar Association for assistance.
No like I said I don't know what steps to take and I need to do everything online cuz I have my son that helps me because like I said I am disabled I am blind
Have you considered filing a complaint with the Florida Department of Financial Services? They can assist with financial disputes.
No can't you help me resolve this issue I'm tired of going back and forth back and forth to cash up with this it's been months months months and I'm going through this and they're not helping me I just need to get the results so I can get my money back I'm not rich I'm just able I'm on disability I don't have money and they took money from me and I need it back ASAP
Have you considered filing a complaint with the Federal Trade Commission (FTC)? They handle issues related to fraudulent business practices.
How can you connect me whatever
What is the total amount you believe Cash App owes you? This information can be crucial when filing a complaint with the FTC or CFPB.
Probably like $* can't you please just resolve this for me I don't want to have to go through nobody else please you help me more than anybody else has in months
What evidence do you have to support your claim against Cash App?
I'm on my transactions every single one from when I first got cash up to now and I just got to figure out what a month I was on the business account which you should be able to pull up I can give you my cash app information and you can pull up my files
Can you provide the exact date when you noticed the switch to a business account? This will help in determining the duration of the unauthorized deductions.
November * but I didn't realize that they were taking money from me until recently
What steps have you taken so far to resolve this issue with Cash App?
Contacting them through phone call and app
What was Cash App's response when you contacted them about this issue?
They told me they gave me a one time courtesy refund for $* and that they didn't owe me I'm aware that they gave me a refund but they never told me it was one time courtesy thing or anything and I didn't know anything about this until I researched it
Did you sign any agreement or terms of service with Cash App when you created your account? This could potentially contain clauses about account type changes.
No I did not I was not aware that they switched it
What steps have you taken so far to resolve this issue with Cash App?
I've contacted them many different ways for months now I get no resolution please help me
What evidence do you have to support your claim against Cash App?
Have every one of my transactions on cash app I can do my information and you can go in my cash up and see
Can you provide the exact dates and amounts of the transactions where the *.*% was deducted? This will help in calculating the total amount deducted.
No but they have it on file
Can you request a transaction history from Cash App to verify the deductions? This could be crucial evidence for your case.
Like I said this is all hard for me because I am blind and my son helps me but he's young so it's hard for him to help me and understand what's going on
Can your son help you to request a transaction history from Cash App? This could be crucial evidence for your case.
Yes I have all my transaction history on my cash app
What is the total amount deducted as per your transaction history? This information will be crucial in determining the exact amount you may be owed.
*.*% with every transaction made either you send money or you receive money they take money from you
What is the total amount of money you have sent or received through Cash App during the time your account was switched to a business account?
I don't know the exact amount but I know it's been hundreds of dollars maybe even thousands it was for 8 months and that's how I do all my money and my banking and everything
Can you provide the exact date when you first noticed the unauthorized deductions from your transactions?
I noticed it last year around November they're trying to resolve it ever since
What steps have you taken since November to resolve this issue with Cash App?
I've contacted them by phone by app try to dispute it nothing is working I need your help please can I give you my cash up information so you can go in it and see what my transactions were
I'm sorry, but as a legal information provider, I can't access your personal financial information. Have you tried contacting the Florida Department of Financial Services for assistance?
No I have not tried to contact them I'm contacting you please help me please what do I need to do for you to help me
Have you tried filing a complaint with the Consumer Financial Protection Bureau (CFPB)? They handle issues related to unauthorized account changes and fraudulent business practices.
No I didn't know anything about this stuff can you just help me please or direct me to the right person
What is the total amount you believe Cash App owes you? In Florida, you can file a complaint with the Florida Department of Financial Services or the Consumer Financial Protection Bureau.
Hundreds of dollars like $* maybe a thousand
What steps have you taken to dispute these charges with your bank or credit card company?
It's through cash app not through my banker credit card company because I always use cash app card
Have you tried contacting the Consumer Financial Protection Bureau (CFPB) to file a complaint against Cash App for unauthorized account changes and deductions?
No I haven't like I said I don't know anything about this stuff just help me or send me to somebody that can help me you have a supervisor l
Have you tried contacting the Florida Department of Financial Services? They handle issues related to unauthorized account changes and fraudulent business practices. Their contact number is *-*-*-*.
No please direct me to somebody remember I am blind and my son is Young and trying to help me to the best of his ability
I understand your situation. The Florida Department of Financial Services can assist you. Their contact number is *-*-*-*. They can guide you on how to file a complaint.
Okay thank you for your time
You're welcome, Delana. If you need further assistance, don't hesitate to reach out. Good luck with your case.