Cash App (cash.app) has a 1.7 out of 5 rating on OK.one, based on 207 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. 76% of reviews are 1 star, a relatively high share; The business has replied to 96% of negative reviews. Last updated 2026-08-10.
Cash app has gotten so bad at taking your money now they're so greedy that I got $500 it sent to me and I only got 400 and 87 of it talk about a rape of money how dare you guys take my money like that It was received you greedy people. Then you guys charge and unreal amount just to send it you guys are getting so greedy I don't even know why people use you anymore
Reply from Cash App2026-07-01
We understand how important your money is, Kayla, and we would like to better understand what happened to the remaining $100, to give you accurate information. Please write in and we'll investigate: https://help.cash.app/3SvB0EX.
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Nick Vogen美国 · 7 reviews · Experienced 2026-03-08 ·
★★★★★
Cash App Used Evidence From a Merchant They Previously Blocked — DFPI, CFPB, and FTC Now Involved
This review outlines multiple procedural failures in Cash App’s dispute process and identifies compliance risks that require immediate internal escalation. It must be read alongside my separate Trustpilot review of Famous.ai, as the merchant’s public statements directly contradict the evidence Cash App relied upon.
I. Unauthorized Activity and Block Circumvention
On Feb 20, 2026, I blocked Famous.ai due to repeated unauthorized $144.20 attempts. Cash App’s own logs show continued attempts after the block (Feb 28–Mar 8), including charges routed through alternate merchant IDs.
This constitutes block circumvention, which Cash App failed to detect or address.
II. Cash App Previously Flagged Deal.ai as Fraud — Jan 8
On Jan 8 at 12:28 PM, Cash App declined a Deal.ai transaction “for my protection.”
Cash App’s fraud system had already identified Deal.ai as a risk.
This is a critical compliance data point.
III. Cash App Denied My Famous.ai Dispute Using Evidence From Deal.ai
On Mar 27, Cash App denied my Famous.ai dispute based solely on an IP match.
On Apr 5, Cash App provided the evidence packet used to justify the denial — and it was for Deal.ai, not Famous.ai.
The packet includes:
Merchant: DEALAI INC
Website: Deal.ai
Product: “Subscription update”
No subscription ID
My exact email
Timestamp: Mar 8, 2026
Cash App denied a Famous.ai dispute using evidence from a merchant previously flagged as fraudulent.
This is a material investigative error.
IV. Merchant Publicly Misrepresented Their Ability to Locate My Account
Famous.ai publicly stated they “cannot locate” any account associated with me.
This is disproven by their own evidence packet submitted to Cash App, which contains:
My exact email
My Famous.ai profile
My account creation timestamp
This is documented merchant deception, which Cash App failed to consider.
V. Merchant Attempted to Suppress My Review
Famous.ai repeatedly flagged my review, resulting in its removal for nearly a month.
Trustpilot later confirmed I violated no guidelines and restored the review immediately.
The merchant has a pattern of flagging negative reviews and maintains an unverified business status.
Cash App disregarded this behavioral evidence.
VI. Cash App Support Acknowledged the Investigation Was Flawed
Multiple Cash App representatives acknowledged:
the evidence used does not match the disputed Famous.ai transaction
the merchant circumvented my block using alternate merchant IDs
the “subscription update” claim contradicts the merchant’s own admin panel
the merchant publicly misrepresented their ability to locate my account
the investigation was incomplete and required human review
These acknowledgments directly contradict the denial issued by Cash App’s dispute team.
VII. Regulatory Escalation: DFPI → CFPB → FTC
DFPI and CFPB complaints were filed.
CFPB reviewed the case, accepted my rebuttal, and forwarded the matter to the FTC for inclusion in their law‑enforcement database — a step reserved for cases indicating systemic merchant abuse or deficiencies in a financial institution’s dispute‑handling procedures.
VIII. Summary of Compliance Failures
Cash App:
relied on evidence from the wrong merchant
relied on evidence from a merchant previously flagged as fraudulent
relied solely on an IP match
ignored post‑block attempts
ignored block circumvention
ignored merchant identity mismatch
ignored contradictions in the merchant’s own admin panel
ignored documented merchant deception
ignored internal support acknowledgments
ignored Reg E investigative requirements
ignored DFPI, CFPB, and FTC escalation
ignored timestamps proving the wrong merchant was used
This constitutes a procedurally deficient investigation with clear compliance implications.
Final Notice to Cash App’s Compliance Team
A complete review requires examining:
this review
my Famous.ai review
the Jan 8 Deal.ai fraud block
the Mar 8 Deal.ai evidence packet
the merchant’s public “cannot locate account” statement
the evidence packet containing my exact email
the DFPI complaint
the CFPB complaint and rebuttal
the FTC forwarding notice
Your denial cannot be reconciled with the documented record.
If these materials were reviewed, the denial is indefensible.
If they were not reviewed, the investigation was incomplete and non‑compliant.
Finally, an IP match does not establish authorization.
My Feb 20 block of Famous.ai revoked all future authorization.
Cash App closed the investigation after receiving an IP match from a merchant previously blocked for fraud, disregarding extensive evidence — including evidence stored on Cash App’s own servers.
This is not a dispute error.
It is a compliance failure.
Reply from Cash App2026-07-02
Hello Nick, we hear that you're disappointed with the outcome of you dispute and believe important information was not fully considered during review. We understand how important it is to have confidence in the dispute process. Please allow us to take a deeper look into your account and help clarify what happened. You can reach out to us directly at: https://help.cash.app/4wsIp6B.
One of the must awful experiences I’ve ever had with a company. They restricted our account and made the business verification process very difficult. After speaking with people, everyone has provided a different answer. This has been a huge inconvenience and I utterly cannot believe they make it so hard to do business with them.
Reply from Cash App2026-06-30
Hi Tevarius, this is not the experience we want you to have! We'd love for an opportunity to change your mind and resolve any issues you may have. Feel free to reach out to us here: https://help.cash.app/3128
Faithfully used Cash App for my business for a few years. Logged into my account and to my surprise Cash App deactivated both accounts for “violating terms of service”! Literally done nothing to violate the agreement! After an appeal and a few phone calls, all I was told was to read their terms of service. No one could explain to me why my account was deactivated. After reaching out to social media to see if anyone else had experienced this, I found there were many people that had. I think it’s very unprofessional that your customer service representatives cannot explain why the accounts are randomly disabled for no apparent reason! You make money off consumers only to treat them as if they are nothing! Bad business for sure!
Reply from Cash App2026-06-30
Hi there, we understand that your accounts were deactivated and that these kinds of situations aren’t ideal. If you want more information about what might have happened, please review our Terms of Service: http://squ.re/1HSv2Ss however we can take a closer look into this with you tapping here: https://help.cash.app/3128
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Nic Poole美国 · 1 review · Experienced 2026-06-30 ·
★★★★★
absolutely ridiculous and rude as heck
absolutely ridiculous and rude as heck. not helpful at all, had a terrible attitude, and then said “are you in the car? okay bye.” and hung up. super scammy, won’t be using cashapp again.
Reply from Cash App2026-06-30
Hi Nic, we'd like to know more about what exactly you're referring to. Mind sending our team a message, so we can make sure you are getting taken care of? https://help.cash.app/3128.
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Amber美国 · 6 reviews · Experienced 2026-06-29 ·
★★★★★
Customer service was no help after…
Customer service was no help after paying back loan and the amount to borrow was lowered without notification which complicated my financial situation. They acted very cold and unhelpful.
Reply from Cash App2026-07-01
We understand you need answers about why your Borrow amount was reduced, Amber, and you may not have received the assistance you were expecting in the past, but we’d like to turn this experience around. Please write in again and we'll take a look right away: https://help.cash.app/443BHI7.
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kiptooOM · 2 reviews · Experienced 2026-06-30 ·
★★★★★
friendly and transparent!
A very friendly and transparent app to use☺️
I will recommend million times🫂
Reply from Cash App2026-06-30
Hi there, thank you for this great rating! We are so happy to hear that you are having a great experience with Cash App. If you ever need our assistance, just message us, here: https://help.cash.app/3128
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Alex Hamza美国 · 1 review · Experienced 2026-04-01 ·
★★★★★
My account was affected by an…
My account was affected by an information subpoena, and instead of responding only to the legal request, Cash App froze my entire account and has refused to let me access my own funds for over three months. An information subpoena is a request for information—it does not automatically require an account freeze. Yet Cash App chose to lock my funds without providing a clear explanation or timeline.
What has been even more frustrating is the customer service. I’ve called multiple times, and each time I was told, “Your account will be fully restored within seven days.” Every single time, that promise came and went with no action, no update, and no explanation. I kept getting the same answer over and over, but nothing ever changed.
If there is a legal reason to restrict an account, customers deserve honest communication. Instead, I received repeated assurances that turned out to be inaccurate while my money remained inaccessible.
Freezing a customer’s funds for months without meaningful updates or transparent communication is unacceptable. I expected much better from a financial services company.
Reply from Cash App2026-06-29
Hey Alex, we totally understand how frustrating it can be to have your account frozen and to be unable to access your funds. This is not the experience we want you to have. We want to ensure you get the assistance you need. We'd like to check deeper into this to see what's happening. You can find all the different ways to reach out here: https://help.cash.app/4xWREgP
their support are so bad. they cant do what they say, i keep getting fraudulent charges they refuse to fix the problem. they lie over and over. so i closed my account.
Reply from Cash App2026-06-29
We understand how troublesome it can be to have fraudulent charges and to be unable to get the support you need. This is not the experience we want you to have. We want to ensure you get the assistance you need. Please allow us to take a look into this for you. You can find all the different ways to reach out here: https://help.cash.app/4xXlPV7
Cash App is a complete hoax of a banking system and I knew it was going down hill when they merged with Afterpay. There customer service is AI run and they refuse to have phone calls with anyone and have no escalation channels. They say you're dealing with real people but the responses on emails are auto generated and half the time have the same template instructions with different names used to respond. Most customer support cases are supposed to be handled by one individual not multiple people or AI bots. And even if you request management they say there is none. The BBB isn't much better. If you have numerous, separate complaints about a business that people have the right to know about you are only allowed one complaint and can't amend any previous complaints, which let's me know businesses are now paying BBB to lessen the valid complaints against these businesses. This all started because I just needed a simple name change and after repeatedly providing cash app with what they needed they said they still needed the same information resent. This is over the course of MONTHS. Just repeating myself over and over again. A normal bank you can walk into and get this done in 30 minutes cash app, however, is not helpful at all. This is on top of transactions holds that were not released and money was stolen from me or cash app charges fees that have not been properly disclosed and changing how accounts recieve different statues on deposits. And don't let yourself have a dispute with a business because you WILL need to get a lawyer involved to resolve anything. Just unhelpful and frustrating. Do not bank with this company. Just go get a standard account elsewhere. If you cant then I recommend your local credit union or credit karma who has better support by leaps and bounds and you can actually CALL someone.
Reply from Cash App2026-06-28
We understand that you may not have received the assistance you were hoping for in the past with your account and money, Tealjoy, but we are happy to assist you from here. If there was anything wrong, we would be happy to look into it further. Please contact us, we're just a message away: https://help.cash.app/3128.
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Ms McCoy · 3 reviews · Experienced 2026-05-30 ·
★★★★★
CashApp is an unfair not true to their…
CashApp is an unfair not true to their word on customer satisfactions. My Account was deactivated because of Violating there Terms and Policies. A called and opened a case. They got back to me and denied reopening my case but would NOT tell me what this issue was. Eventually they said Fraud but I had not used my account for 3 weeks prior. I did NOT see any Fraud I did at all. I seen a guy did a Group Cancer request for Cancer Treatment but I did NOT give money! That has nothing to do with me. They will NOT honestly explain to you what exactly happened. That is not Fair Business Practices. I would have preferred to use it since I have had it so long and only did small CASH APP transactions! I escalated my complaint and they said they had head the same thing from several customers. Definitely should NOT be in Business, I truly Dislike them now! Beware they are liars.
Reply from Cash App2026-06-28
This is not the experience we want you to have. We understand how important your account is to you and we're sorry to hear about this. Account closures can happen for a few reasons. Visit https://help.cash.app/4wagsQB to learn more about your options. We're happy to help.
I m trust them to excess my loan I applied for please
Reply from Cash App2026-06-28
We’re not quite sure what you’re referring to, but we want to help you, Murchen. Feel free to contact us with all your questions through any of these channels: https://help.cash.app/3128.
I have had no complaints about Cash App in the last thirteen years I have done business with them but this new tacky style of ur loan date being due at 830a in the morning is offensive, tacky greedy, childish and very unprofessional especially when you have customers who have nvr bn late to pay back the loan w/interest with no time constraints but, I always wind up paying them back first thing in the morning but this particular morning, i am wtg on my check to drop due to sm technical difficulties n once back up I can then have access to it and I am dealing with cash apps unneccessary tactics one being they just grabbed a small amout of money I had there wtg for a bill to be paid through them and now I stand like a criminal, a thief wtg for my check while my account is marked with account overdue on the due date not a past due date really!!!!!!
Reply from Cash App2026-06-26
Thanks for providing us with your feedback, Kalisa, we continuously improve our app based on our customer's feedback and appreciate your input on how we can make it better. To know more about the terms and conditions for the Borrow feature, please contact us: https://help.cash.app/44xpxqY. We are always glad to help.
After four years of using the app and my CashCard, I was notified that my card was being canceled and I was unable to order a new one. I called customer service and they weren't able to give me any reason why it happened; they just said I had "violated their terms of service". They would not give me any more specific information other than that, and I wasn't able to dispute the violation or take it to a higher authority and have my case reexamined. I was aghast. I still have no idea why this happened. I had heard CashApp horror stories from friends before (never keep too much money in your account because if it gets hacked and stolen CashApp won't do anything to help and your money is as good as gone; their customer service is crap; etc., etc., etc.) and so I always used it with caution. Thank God I never kept much money in my account because I'd have been in quite the pickle if I couldn't use my account to shop anywhere and still had money in it! I would not recommend this app to anyone. The reason they have so many 5 star reviews is because they hound their users to leave a review here and keep asking you to until you actually do it. The only way to have that annoying "have you had a good experiencce with us? Rate us today!" pop up window stop hounding you is if you finally just click it and leave a review. I don't doubt that most of the 5 star reviews are solely due to people just wanting that dumb pop up window to stop bugging them every time they open their CashApp app.
EDIT: (Added after reading CashApp’s reply to my review.) The generic reply they sent me just told me to contact CashApp customer support. I already have, many MANY times. As I explained in my review, THEY WERE NO HELP WHATSOEVER. So suggesting that again is ZERO help. My one star review stays.
Reply from Cash App2026-06-27
We know how important it's for you to have clarity about your account, and would like to shed some light on the current situation. Account closures can happen for a few reasons. Visit https://help.cash.app/4v2Rxh5 to learn more about your options. If you have further concerns or need our help, please don't hesitate to reach out to us here: https://help.cash.app/44xzBQH. On the other hand, if your friend is having trouble with their funds or account, please have them reach out to us directly via the app or our Help Center at (https://help.cash.app/4vklkCd). Feel free to pass this info along.
I have been with cash app for more than 11 years. The company used to be good. Now, as of late, for the last 2 years every few months they Hold my money in Pending and do not let it go for several months without explanation. When one tries to find out what is wrong, all that is there to respond is AI. They keep you in a loop on Purpose, so that they can keep your money. They do not ever ask for more documentation or anything further, to move things along to resolution either. They don't care. It's as if they want to keep you in Pending mode so they never have to pay you. How long legally can they hold your money? I'll be checking with an attorney next. I know they had a class action lawsuit and settlement as a result. Looks like it's time for a new one. Right NOW I have 1150 that is being held as pending since APRIL 1, 2026. I have yet to hear from ANYONE about why. Imagine that, in this time of the economy. Be Safe, DO NOT USE CASH APP.
Reply from Cash App2026-06-25
Hello Havana, we hear that pending funds and the support experience have been inconvenient. We understand how important timely access to your money is. If you're open to it, send our team a message, so we can review what happened and make sure you're being supported properly: https://help.cash.app/4vzTdQi.
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Denise · 1 review · Experienced 2026-05-02 ·
★★★★★
Victim of Spam/Fraud
I sent money via Cash App to a person/business for a product I NEVER received. Reached out to the business after they told me they would refund my money to no avail. Filed a complaint with Cash App - they stated they investigated, but could not verify I was scammed/victim of fraud. Beware who/what your purchase on Cash App as they will NOT reimburse you.
Reply from Cash App2026-06-26
We hear you, and we know how inconvenient a scam situation can be, Denise. We generally recommend using the app with the same caution you would with physical cash - only sending payments to others you know and trust. In order to report this account and for us to take a closer look into this payment, please send us any screenshots, the $cashtag, or other evidence you may have here: https://help.cash.app/3R8rGGx.
I have been regularly requesting money from an individual since March 2026. This money is owed to me. My last request for payment from him, I accidentally hit pay. I immediately tried to cancel and reached out to customer service to get it cancelled. They have denied my request AND appeal. I have 13 previous requests for payment from the individual for the same amount and provided proof that the individual admitted to owing the money. I will never use CashApp again. They're unreasonable when it comes to a simple mistake.
Reply from Cash App2026-06-26
Hi Serena, this is definitely not the experience we want you to have, as we know how important your funds are. Our team wants to take a deeper look at this and help clarify what happened. Can you please get in touch with the Cash App team right away? http://help.cash.app/3128.
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Clara Derocher · 2 reviews · Experienced 2026-06-24 ·
★★★★★
Worst customer service
Cash app deactivated my card a few years back and will not replace it. They said that I violated the terms but all that happened was that I inquired about an unfamiliar charge and the representative closed my card without my consent. It was like a small charge nothing crazy I only wanted to know where it came from and apparently asking for help goes against the terms. I did not use rude language simply asked “what’s this charge” and they deemed that enough to deactivate my card and make it unavailable for replacement. So be warned that if you ask more than a few times about an unfamiliar charge because they did not help the first time they will deactivate your account for violating the terms.
Reply from Cash App2026-06-25
We understand how important it is for you to receive answers about your account closure, Clara, and you may not have received the assistance you were expecting in the past, but we'd like to do everything we can to help. You can learn more by checking out this article: https://help.cash.app/4amYQsr. Please reach out if you’d like us to take a closer look: https://help.cash.app/4aky9Vp.
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Pandra Scott · 1 review · Experienced 2026-05-20 ·
★★★★★
O rating
O rating. SENT MONEY TO SOMEONE. THEY HAD TO CREATE ANOTHER ACC I UNT JUDT TO BUY ANOTHER CARD, CARD DOES NOT WORK. ACCIUNT DOES NOT EXIST. CANT GE T MONEY SENT BACK TO ME .. NORRRF.. CAN THEY SEND MONEY BACK, CASH APP CANT SEND MONEY BACL
ACC I UNT DOESNT EXIDT ON THIS SIDE.. THIS HAPPENED May 20,2026 s t I'll today, customers act. Cant be used with t h their brand new card
. HOLDING MONEY HOSTAGE... CASH APPPP STOP IT.. send my money back.. stop messing over seniors
Reply from Cash App2026-06-25
We understand how important your money is, Pandra, and we'd like to better understand the issue you're experiencing with your account. Please write in and we'll investigate: https://help.cash.app/4f4JLOM.
Cash app is usally a great working app. But today when I finally got enough money to go buy some jeans at walmart it FAILED ME! I lost my card and thats why I've been using it. I was so excited to buy some new clothes but had to put a bunch of clothes I picked out back because the app was tweaking out! And was asking me to re put in my card, WHICH I DON'T HAVE back into the system. LEAVING ME STRANDED!.... Disappointed...
Reply from Cash App2026-06-24
This definitely isn’t what we strive for and hope that we can provide a better experience in the future, Katy. We'd be happy to investigate further if there's something amiss. We're always working to improve, and your feedback helps us to do so. Please reach out to us if there's anything else we can do: https://help.cash.app/4uO253n.
