My Card is Lost, and Cash App Denied Dispute for Unauthorized Transactions; What Should I Do?

Losing a debit card can be a frustrating experience, especially if it leads to unauthorized transactions. If you have lost your Cash Card and experienced unauthorized transactions, you may feel helpless and unsure of what to do next. So, let’s begin and discuss some steps you can take to protect yourself and seek resolution.





The Situation

"My Cash Card was lost/stolen and not in my possession when multiple unauthorized transactions were made. I found out the following day after checking my email when I saw several alerts from Cash App for unauthorized transactions. I immediately blocked the card on Cash App and reported the card lost/stolen. Then I filed a dispute for the two unauthorized transactions leaving detailed notes explaining that the card was lost/stolen & not in my possession at the time the unauthorized transactions took place & also, I included the fact that my PIN was written on the back of the card. Cash App denied my dispute twice within less than 48 hours, stating "no error occurred," prompting me to believe that Cash App is not investigating my dispute because the determination to deny my claim makes no sense. Cash App says that I will be held liable for unauthorized transactions made with my lost/stolen card & which is absolutely against the law. I am looking at options for legal recourse because this is beyond ridiculous."


Steps to Take-

Report your lost or stolen Cash Card: If you have not already done so, report your lost or stolen Cash Card to Cash App immediately. This will prevent any further unauthorized transactions from taking place.

File a dispute: If you have experienced unauthorized transactions on your Cash Card, file a dispute with Cash App as soon as possible. Provide detailed notes explaining that the card was lost or stolen and not in your possession when the unauthorized transactions occurred. Mention that your PIN was written on the back of the card.


Follow up with Cash App: If your dispute is denied, do not give up.

  • Follow up with Cash App and ask for more information about why your dispute was denied.
  • Remember that sometimes disputes are denied because of insufficient information, so make sure your dispute is thorough and includes all relevant details.


Seek legal recourse: If Cash App continues to deny your dispute and you believe you are being held liable for unauthorized transactions that were not your fault, consider seeking legal recourse. Talk to an attorney specializing in consumer protection or financial fraud to learn about your options.


Conclusion

Losing a debit card and experiencing unauthorized transactions can be a frustrating experience, but there are steps you can take to protect yourself and seek resolution. If your Cash Card is lost or stolen and you experience unauthorized transactions, report the card immediately, file a dispute with Cash App, and follow up with them if your dispute is denied. If necessary, seek legal recourse to protect your rights and seek a fair resolution.



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