Scammed on Cash App? How to Try to Get Your Money Back

Scammed on Cash App? Report the payment in the app right away, check whether it can still be canceled, and file a dispute. Cash App says it can’t cancel a completed payment, but it investigates disputes and says it reimburses eligible claims. Here’s what to do now, what you might get back, and where to report it.

1. Report the payment and the scammer in Cash App

The FTC says to report it to the app immediately and ask it to reverse the payment.

• Report the payment. Open the Activity tab, select the payment, tap Report an issue and follow the prompts (Cash App).
• Start a dispute. Tap your profile icon, then Support > Payments > Report an Issue. Cash App asks you to dispute within 60 days of getting the monthly statement that shows the payment (Cash App).
• Or call 1 (800) 969-1940. Cash App says it’s the only phone number customers can call for support (Cash App).
• Report the scammer’s account. Open their profile, scroll to the bottom and tap Report. Blocking someone doesn’t create a formal report (Cash App).

Don’t send more money. Before you block the scammer, save screenshots of your chats, their $cashtag and profile, and the payment details. Write down any case number.

2. Check whether the payment can still be canceled

Cash App says payments between Cash App accounts are instant and usually can’t be canceled. To be sure, select the payment in your Activity feed and look for a cancel option (Cash App).

• If it’s pending: it may be waiting for you to take a step. Don’t complete it. Cash App says a payment pending for 24 hours is canceled automatically and shows as “failed” (Cash App).
• If it’s completed: Cash App says it can’t cancel or refund it. Only the person you paid can send it back, and if they don’t respond, you may not recover the money that way (Cash App).

3. Call your bank if a linked card or account paid for it

If the money came from a linked bank account or card rather than your Cash App balance, call that bank or card issuer too. Use the number on the back of the card and ask whether it can help. For scam payments made by debit or credit card, the FTC says to report it to the bank or card issuer immediately and ask for a refund.

Report it to Cash App too. Cash App’s terms say a dispute filed with your bank doesn’t count as notice to Cash App, and that your rights with the bank depend on that funding source (Cash App Terms of Service).

4. Secure your account if someone else got in

Act now if you see payments you didn’t make, get sign-in codes you didn’t ask for, or gave anyone your sign-in code, PIN or card number. Cash App’s terms say to report unauthorized activity as soon as possible, or “you could lose all the money in your Account” (Cash App Terms of Service).

Then follow Cash App’s security steps:

• Go to Profile > Your Devices and log out any device you don’t recognize.
• Turn on Security Lock, so the app asks for your face, fingerprint or a PIN before it opens or sends money.
• Turn off your Cash App Card in the Card tab if its number may be exposed.
• Change the password on the email linked to Cash App and turn on two-factor authentication.

If you also gave out your Social Security number or a bank account number, let someone into your computer or phone, or clicked a link in a fake message, follow those guides too.

Can you get your money back from Cash App?

Maybe. It depends mostly on who moved the money. Ask anyway: the FTC says it’s always worth asking the company you used whether there’s a way to get it back.

If someone else sent it

Cash App’s terms apply the error-resolution rules of Regulation E, a federal rule, to transfers from your account, including unauthorized ones (Cash App Terms of Service). Under those terms:

• Report within 2 business days after you learn of it, and you can lose no more than $50; later, up to $500. Report more than 60 days after the first statement that shows it, and you may not get back money taken after that.
• Cash App says it will update you within 10 business days. If it can’t finish by then, it gives eligible disputes a temporary credit while it keeps investigating, for up to 45 days (Cash App).

Were you tricked into sharing your sign-in code? The CFPB says the transfer still counts as unauthorized under Regulation E. That applies when a scammer tricks you into sharing login details, a texted code or a card number, then uses it to move money (CFPB). Tell Cash App exactly how the scammer got in.

If you sent it yourself

This is the hard case. Cash App’s terms warn that scams “may result in the loss of your funds with no recourse” (Cash App Terms of Service). For P2P payments you approved, Cash App says reimbursement “depends on the circumstances”.

File the dispute anyway and describe the scam plainly. One limit: Cash App says temporary credits don’t apply to disputes about goods or services never received or not as described, and those investigations may take longer (Cash App). The same line applies to banks and other apps; see the Zelle and Venmo guides.

Where to start, by situation

What happened	Where to start	What Cash App says
You paid a scammer	Activity > the payment > Report an issue	Reimbursement “depends on the circumstances”
Someone got into your account and sent money	Contact support right away	Handled under its Regulation E terms
Card charges you didn’t make	Support > Cash App Card > Dispute a purchase	“Zero fraud liability” if reported within 60 days
You paid by Cash App Card and got nothing	The same card dispute; contact the seller too	You can appeal a denial within 60 days
A stranger paid you “by mistake” and you sent money back	Report the payment you sent	Next time, use Refund, not a new payment

Scammed with bitcoin on Cash App?

Bitcoin is the hardest to get back. Cash App says on-chain crypto payments are final and it is “unable to reverse or refund crypto transactions that you initiate” (Cash App). Bitcoin sent to an outside wallet can’t be reversed. Its terms say bitcoin sent to other Cash App users in a fraud may be lost “with no recourse.” They also limit Cash App’s responsibility when someone breaks into your account and takes bitcoin (Cash App Terms of Service).

The FTC agrees that crypto payments typically aren’t reversible: you usually get money back only if the person you paid sends it back (FTC).

Report it anyway, to Cash App, the FTC and IC3. For crypto fraud, the FTC also lists two market regulators, the CFTC and the SEC (FTC).

Then watch for “recovery” offers. The FBI warns that fake law firms target crypto scam victims, and notes that the U.S. government “does not request payment for law enforcement services provided” (IC3).

Fake “Cash App support” calls, texts and messages

The CFPB found that for years Cash App didn’t offer live phone agents, which led to fake customer service lines that stole people’s information (CFPB).

Cash App says its real support will never:

• ask for your sign-in code, PIN, password or full card number (Cash App);
• ask you to send money or bitcoin, or to share your Social Security number or bank account number (Cash App);
• ask you to download a “remote access” app or make a “test” transaction (Cash App).

Cash App also says it never asks customers for money, and there’s no such thing as “claiming” a payment by sending money to Cash App (Cash App). If someone claiming to be Cash App does any of this, stop replying and contact support through the app.

Already gave a fake agent your sign-in code or PIN? Treat it as an account takeover and go back to step 4.

Cash App settlement checks (CFPB order): who gets paid and how

On January 16, 2025, the CFPB ordered Block, Inc., the company behind Cash App, to pay at least $75 million and up to $120 million to consumers, plus a $55 million penalty. It found failures in customer service, fraud prevention and the handling of disputes about unauthorized transfers (CFPB). The order is still posted on the CFPB’s enforcement page.

• Who gets money. People whose unauthorized-transfer claims weren’t investigated or refunded as required. Also, people whose accounts were locked for a long time or who got no temporary credit during a delayed investigation (CFPB, archived release). It covers July 1, 2019, through January 16, 2025 (settlement administrator).
• No claim to file. Cash App says eligible people get a notice by mail with a check attached (Cash App). The administrator says checks began going out June 8, 2026, in batches on a rolling basis (settlement administrator). Its number is (888) 832-1301.
• The state deal adds no new payments. In July 2026, 46 states reached a separate $45 million settlement with Block. Oregon’s attorney general said it ensures the promised restitution is paid (Oregon Department of Justice). Cash App says that agreement “does not include additional customer payments” (Cash App).

These payments are for past problems. For a scam that happens now, use Cash App’s dispute process. Got a settlement email, text or check and not sure it’s real? See how to tell a real settlement payment from a scam.

How to report it

After Cash App and your bank, report the scam. Agencies use reports to investigate and bring cases, but they can’t resolve cases for individuals.

1. Federal Trade Commission: report it at ReportFraud.ftc.gov.
2. FBI Internet Crime Complaint Center: if the scam involved the internet at all, file at IC3.gov. IC3 doesn’t investigate cases itself, and you won’t hear back from it (IC3). More: what happens after you file at IC3.
3. CFPB: if Cash App or your bank mishandles your dispute, submit a complaint. The CFPB says most companies respond within 15 days.
4. Your state attorney general: find your office on the Find my AG page.
5. Local police: use the non-emergency number or website (CFPB) and ask for a report number.
6. If you’re 60 or older, or helping someone who is: call the National Elder Fraud Hotline at 833-FRAUD-11 (833-372-8311), Monday through Friday, 10 a.m. to 6 p.m. Eastern (Office for Victims of Crime).

The report-a-scam tool shows where each kind of scam goes, and the scam recovery checklist helps you track each step.

Watch for the follow-up scam

The FTC calls refund and recovery scams “the worst of the worst,” and says scammers buy and trade lists of people who have already lost money (FTC). Be on guard for:

• anyone who wants a fee to get your money back. Government agencies and legitimate organizations never ask for money to help you get a refund (FTC);
• someone who says they’re from IC3. IC3 says it never contacts people directly and never asks for payment to recover lost funds (IC3);
• messages about a “Cash App settlement” that ask for a fee or your login. Cash App warns about fake claim helpers (Cash App). Real CFPB payments come as a check by mail;
• a “Cash App agent” who calls about your dispute and asks for a code or a payment. Hang up and use the app.

What varies

• Who moved the money. Unauthorized transfers have the clearest protections. Payments you sent yourself are much harder to recover.
• Who had access. If you knowingly gave someone your login, such as a relative, Cash App’s terms don’t count their transfers as unauthorized. That changes once you tell Cash App their transfers are no longer allowed (Cash App Terms of Service).
• Your account type. With a Cash App Business Account, the terms say you may be liable for all unauthorized transactions.
• The rules. Cash App’s terms (updated September 11, 2026) and help pages change often, so check the current versions in the app.