Unlike credit card payments or bank wire recalls, Cash App P2P payments are treated as final — if you send money to the wrong person by mistake or are a victim of a scam, you likely cannot get your money back.
Consumer impact
Cash App's Terms bind users to mandatory individual arbitration and a class action waiver, effectively removing the right to take Cash App to court for any financial dispute, including unauthorized transactions, account closures, or fee disputes. The agreement also limits Cash App's maximum liability to just $200 or fees paid in the prior 12 months — whichever is greater — even in cases involving significant financial loss. You can opt out of arbitration within 30 days of first agreeing to these Terms by mailing a written opt-out notice to Block, Inc., 1955 Broadway, Suite 600, Oakland, CA 94612.
What you can do
⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
Dispute a Fee
Within 2 days
If you sent money to the wrong person or were scammed, immediately report the transaction in the Cash App app by tapping the transaction, selecting 'Need Help & Cash App Support', and choosing the dispute option. The faster you report, the better your chances of recovery.
Applicable agencies
CFPB
The CFPB enforces Regulation E and has issued guidance on authorized push payment fraud liability for P2P payment platforms, accepting complaints from consumers who cannot recover funds.
The FTC accepts complaints about payment fraud and has authority to pursue enforcement against platforms with inadequate fraud protection under Section 5 of the FTC Act.