How do I dispute my cash app transaction?
February 17, 2022 3:33 AM Subscribe
I have a cash app card I use for bars only. Yesterday I noticed it went down to $5. Most charges were small some mmm but all were for bars. Curious I found a $3000 (!) charge from Ticketmaster. I went to go to see on the card how to dispute it but the app says o need to resolve this with Ticketmaster. I can’t find a fraud person to talk to, any idea how to resolve this?
Try again with the app, it's a fraudulent transaction you didn't authorize on the card and you have no relationship with the vendor.
Switch to using a credit card in the future that has more protection against fraudulent transactions.
posted by TheAdamist at 5:59 AM on February 17, 2022 [17 favorites]
Switch to using a credit card in the future that has more protection against fraudulent transactions.
posted by TheAdamist at 5:59 AM on February 17, 2022 [17 favorites]
Best answer: Seconding TheAdamist. This is a dispute with the app, not Ticketmaster. They authorized a sale that you did not.
posted by wile e at 7:31 AM on February 17, 2022 [4 favorites]
posted by wile e at 7:31 AM on February 17, 2022 [4 favorites]
If you don't have success with them, try filing a complaint with your state AG and the CFPB. The ability each may have to address individual complaints may be limited but often such complaints shake loose a response that's better than a canned-level-1-rep response.
posted by praemunire at 7:34 AM on February 17, 2022 [2 favorites]
posted by praemunire at 7:34 AM on February 17, 2022 [2 favorites]
Are you in the US?
Under the Fair Credit Billing Act in the US, you typically have 60 days to dispute a credit card charge, although it's a bit unclear to me when that clock starts ticking if you have an account that doesn't issue regular statements. (Also, I'm not entirely sure that CashApp is regulated like a traditional credit card. They could easily be doing something sketchy and Uber-esque in dodging regulation. Caveat emptor.)
So, while working other avenues, I would write up a letter and send it (yes, on paper, with a stamp and everything) to their official mailing address:
Cash App
1455 Market Street Suite 600
San Francisco, CA 94103
Include as many details about the transaction as you can (screenshots, transaction ID numbers, dates, etc.) and your account number / user ID or equivalent. Make sure you state clearly that the transaction or amount was not authorized.
That will at least give you a legal "foot in the door" if they try to run out the clock on the 60 day limit and stick you with the charge, in order to keep their backcharge/fraud metrics down. Not saying they will do that, but it's a not-uncommon tactic for shady financial companies (and full disclosure, I am heavily biased against any company that provides financial or banking-ish services without being, you know, an actual, no-shit, regulated bank or CU).
And all the usual rules for dealing with faceless corporations that don't have your best interests in mind apply: keep copies of everything, document everything, and strongly prefer written communication that leaves records to doing anything on the phone or online.
posted by Kadin2048 at 8:49 AM on February 18, 2022 [1 favorite]
Under the Fair Credit Billing Act in the US, you typically have 60 days to dispute a credit card charge, although it's a bit unclear to me when that clock starts ticking if you have an account that doesn't issue regular statements. (Also, I'm not entirely sure that CashApp is regulated like a traditional credit card. They could easily be doing something sketchy and Uber-esque in dodging regulation. Caveat emptor.)
So, while working other avenues, I would write up a letter and send it (yes, on paper, with a stamp and everything) to their official mailing address:
Cash App
1455 Market Street Suite 600
San Francisco, CA 94103
Include as many details about the transaction as you can (screenshots, transaction ID numbers, dates, etc.) and your account number / user ID or equivalent. Make sure you state clearly that the transaction or amount was not authorized.
That will at least give you a legal "foot in the door" if they try to run out the clock on the 60 day limit and stick you with the charge, in order to keep their backcharge/fraud metrics down. Not saying they will do that, but it's a not-uncommon tactic for shady financial companies (and full disclosure, I am heavily biased against any company that provides financial or banking-ish services without being, you know, an actual, no-shit, regulated bank or CU).
And all the usual rules for dealing with faceless corporations that don't have your best interests in mind apply: keep copies of everything, document everything, and strongly prefer written communication that leaves records to doing anything on the phone or online.
posted by Kadin2048 at 8:49 AM on February 18, 2022 [1 favorite]
Cash App isn’t a credit card, and your balance is not FDIC insured either. There may be a way in the app itself to dispute a payment, it doesn’t appear there’s any federal law requiring them to handle such disputes in any fair way.
posted by decathecting at 12:14 PM on February 18, 2022
posted by decathecting at 12:14 PM on February 18, 2022
Response by poster: CashApp took care of the charges, they hide their not a credit card aspect really well.
posted by geoff. at 8:27 PM on February 19, 2022 [3 favorites]
posted by geoff. at 8:27 PM on February 19, 2022 [3 favorites]
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posted by fight or flight at 5:13 AM on February 17, 2022 [1 favorite]