Cash App does not guarantee refunds for scam-related peer-to-peer (P2P) payments, as these transfers are authorized by the sender and controlled by Cash App's platform policy rather than merchant refund rules or credit card chargebacks. The official path starts with contacting Cash App disputes through your Account in the app, by phone, or by mail to Block, Inc., Attn: Cash Disputes, 1955 Broadway, Suite 600, MSC 211, Oakland, CA 94612, per the Cash App U.S. Terms of Service. Regulation E may apply to certain unauthorized electronic fund transfers (EFTs) involving fraud-obtained account access, but most P2P scams fall outside this as authorized transactions. Next steps include gathering transaction evidence and reporting to the FTC.
Cash App Policy on P2P Scam Payments
Cash App's U.S. Terms of Service outline a disputes process but do not promise reversals or refunds for completed P2P payments, which users authorize at the time of sending. To initiate a dispute, contact support through the app's Account section, by calling the provided number, or by writing to the Block, Inc. address above. Outcomes depend on the case review.
Under CFPB guidance on Electronic Fund Transfers FAQs, Regulation E treats EFTs initiated using account access information obtained through fraud or robbery as unauthorized. However, platform policy primarily governs Cash App P2P transfers.
| Aspect | Cash App Policy Detail |
|---|---|
| Controlling Rule | Platform disputes process (TOS) |
| Contact Methods | App Account, phone, mail to Block, Inc. |
| Refund Guarantee | None stated |
| Regulation E Scope | Unauthorized EFTs via fraud-obtained access (CFPB); most scams authorized |
What Does Not Apply to Cash App Scam Disputes
Cash App scam disputes follow P2P-specific platform policy, not merchant refund procedures, credit card billing disputes, or standard bank EFT reversals for non-P2P transactions. For example, chargebacks apply to credit card payments, while P2P uses bank account-linked EFT or debit rails.
Scam payments are often not classified as "unauthorized" under platform rules or Regulation E if the sender approved the transfer. U.S. law like Regulation E provides secondary protections but does not override Cash App's policy on authorized sends.
Practical Next Steps and Escalation
Gather evidence before contacting Cash App: transaction ID, timestamps, screenshots of communications, recipient details, and any scam reports.
Checklist for Cash App Dispute:
- Log into app > Account > Support or Disputes section to submit.
- Note reference number if provided.
- Follow up by phone or certified mail to Block, Inc. address if no app response.
If denied, report the scam to the FTC at ftc.gov/complaint for consumer fraud tracking. Contact CFPB if issues involve a linked bank account.
FAQ
Can I get a Cash App scam refund under Regulation E?
Regulation E covers unauthorized EFTs from fraud-obtained access (CFPB), but Cash App policy controls P2P disputes and most scams are authorized transfers.
Why contact Cash App disputes first?
TOS requires disputes via app, phone, or mail to Block, Inc. for case review.
What evidence helps a Cash App dispute?
Transaction details, scam messages, timestamps--submit via app or mail.
After contacting Cash App, what next if denied?
Report to FTC and CFPB.
Does Cash App policy differ by U.S. state?
Platform policy applies uniformly; state laws secondary.