I know you are reading this article because you or someone you know is a Cash App user and there have been some forms of transaction error that need to be corrected. And for this reason, you are asking “Can I Dispute a Cash App transaction with my bank?” Don’t worry, as you read through it you will find answers and ways to do it.
A quick answer is Yes, but how can you dispute the transaction? Pay attention to every piece of information that will be divulged in the lines of this article to know how you can go about such an action. No matter the level of the anomaly with Cash App transaction, we got you covered on how to file a dispute.
What Is Cash App Transaction Dispute?
A Cash App transaction dispute is any disagreement that arises in the process of sending and receiving payments through the app. As you already know, Cash App is a payment application. It can be used for sending and receiving money among peers, businesses, and so on.
Therefore, any problem that comes up in the process of sending and receiving payments is a dispute hence it is called a Cash App transaction dispute. It could be from the end of the sender or the receiver. It could also be from your linked bank account or an imposter (identify theft) and so on.
When such a situation arises, it is not out of place to ask “Can I Dispute a Cash App transaction with my bank?” See the answer to this in the next paragraph.
Can I Dispute A Cash App Transaction With My Bank?
Yes, you can dispute a Cash App transaction with your bank. Cash App in a bid to satisfy every user has put certain avenues in place to dispute transactions if there was an error of any kind. It could be that the transaction was done in error or it was not authorized by you. Rather than losing your funds, you can give a dispute to your bank. When this is done, there are chances that you could get back your money.
Note: you are to file a dispute to the bank with whom you have an account which the money used for the Cash App transaction was drawn from. So, you don’t have to visit just any bank to dispute your transaction. You will see more about why you should dispute a transaction with your bank as we move on.
Why Should I Dispute A Cash App Transaction With My Bank?
The following are some of the events that will necessitate disputing a Cash App transaction with your bank.
- Unauthorized Transaction.
- Incorrect Information.
- Cash App glitches.
- Cash App scams/frauds.
How To Dispute A Cash App Transaction With My Bank
We stated above that you can dispute a Cash App transaction with your bank. And that it must be to the bank that is linked to your Cash App account. Here is how to dispute the Cash App transaction with your bank.
Call Your Bank
Calling your bank is the first action to take in disputing a Cash App transaction with your bank. Call the customer service unit of your bank or your account manager to notify them of the problem with the transaction. This is to prompt the bank to swing into immediate action. If it is possible, they could truncate the process before it is completed.
Of course, I don’t need to show you the number to call as it varies from one bank to the other. So search through your banking documents or your bank’s website to find the phone number to call.
Send An Email
While it is most likely that the phone call has prompted your bank to action, it is also important to send an email. This brings us to the second way to dispute a Cash App transaction with your bank. This step involves you sending an email to explain the details of the transaction to your bank. This step is important because you can document your email for reference purposes. And the bank can also give you feedback through this channel.
To do this, get the official email address of your bank and send a complaint about the Cash App transaction in question to them. Note that it will be more concrete to use your email address which is the same as that attached to your bank account and Cash App account. Also, do not forget to include the details of the Cash App transaction in the email. You could download the statement and attach it to the email.
Send A Written Notice
Another avenue to explore or step to take when you want to dispute a Cash App transaction with your bank is to send a written notice. You could decide to skip this if you do not want it. However, it is necessary to send a written notice to the bank. And like the email, the notice should include the details of the Cash App transaction in dispute such as
- Date of transaction.
- Channel (Cash App)
- $cashtag of the sender and supposed recipient(s), etc.
Visit Your Banking App
Now, the next thing is to visit your bank to finalize the process. This is necessary if you haven’t gotten any feedback after some days. See how long the process is supposed to take below.
Other Ways To Dispute A Cash App Transaction
While filing a Cash App transaction dispute with your bank, do not forget to file a dispute to Cash App also. This can be done by visiting www.cash.app/support or taking the following steps.
- Open your Cash App and navigate to the Activity Tab.
- Find the payment in question and click on the three dots (…) at its side.
- Click on Need Help & Cash App Support.
- Now tap “Dispute A Transaction”
- Follow the prompts to provide other info.
With this, both Cash App and your bank will come together to investigate the issue and get back to you.
Quick Fix : Cash App Notification Won’t Go Away
How Long Would It Take To Get My Money Back If I Dispute A Cash App Transaction With My Bank?
When you file a Cash App transaction dispute with your bank. It is expected that the two financial institutions will investigate it within 10 business days and get back to you in 3 days. If after 14 days of filing a dispute, you have not gotten feedback, contact your bank and Cash App again and explore other ways of reporting that issue.
Will I Get My Money Back If I Dispute A Cash App Transaction With My Bank?
The chances of getting your money back are determined by several factors. One of which is the type of transaction that was made and how fast it was reported. If Cash App was able to stop the transaction before it was delivered, be assured that you will get back your money. However, if it was delivered, you are most likely not going to get your money back unless the recipient refunds it.
How To Avoid Cash App Transaction Disputes.
- Double-check all details before sending payments.
- Always keep the details of all your transactions on Cash App.
- Avoid all forms of Cash App Scams.
- Protect your accounts with strong passers and two-factor authentication.
If you find yourself in a situation that demands you dispute a Cash App transaction with your bank, follow the processes explained in this article. And I know you will be alright.