Someone Used My Debit Card on Cash App

By Jim Marous 9 Min Read

Someone used my debit card on Cash App, what do I do now? You first report the transaction to your bank, and then Cash App (if you have a Cash App account that has that debit card). I have used Cash App for years now, and have this experience. So, yes, your experience is not new. However, whenever you have issues like this, Cash App will say, “Contact your bank.” That is because it has to do with your debit card. Your debit card is compromised. Also, don’t bother finding out “who”, instead, you should be concerned about how to get your money back. This post will help you get your money back.

Someone Used My Debit Card on Cash App

Someone Used My Debit Card on Cash App

If someone used your debit card on Cash App, do the following, whether you have a Cash App account or never created one.

Contact Your Bank Immediately

If someone has used your debit card on Cash App, inform your bank immediately. You don’t need to play detective; once you report it, your bank will handle the potential fraudsters. Banks tackle such issues regularly, so you are in good hands.

Given that this involves a debit card, your bank is the go-to solution. Sometimes, Cash App may not even acknowledge the issue because the transaction was made using your debit card. I once called my primary bank to report that my card number was stolen, and there were unauthorized Cash App charges under a different name. My bank was quick to act. They canceled the debit card, issued a new one, and refunded the amount while investigating the issue. If possible, you can visit your bank and discuss filing a chargeback due to fraud. It might take a few weeks or even a month, but you will recover your funds.

Mark Your Debit Card Stolen on Cash App

Is the compromised debit card your Cash App Cash Card? If you have a Cash App account, and your debit card is linked to it, mark the card stolen.

  1. Go to the Cash Card section on your Cash App main page.
  2. Click your Cash Card’s image.
  3. Choose Problem With Card.
  4. Click Card Stolen.
  5. Verify with your PIN or Touch ID.

Contact the Merchant

Is there a strange transaction on your Cash Card or your traditional debit card? Contact the merchant to stop any ongoing payment. Once put on hold, Cash App may require up to 10 business days to process a refund. If anything seems off during this period, reach out to the merchant.

The merchant involved might be able to assist you. If this does not work, you have an alternative, which has to do with disputing the transaction on Cash App. Before you can dispute a transaction, it needs to be finalized. If it’s still in the pending stage, the merchant is the best person to help. Once it’s completed, you can consider disputing it.

File a Dispute on Cash App

If talking to the merchant doesn’t resolve the issue, dispute the transaction in Cash App.

  1. Open Cash App.
  2. Tap the Activity tab.
  3. Find and select the transaction you’re concerned about.
  4. Tap the three dots (…) on the top right.
  5. Choose Need Help & Cash App Support.
  6. Finally, tap Dispute this Transaction.

Report to the Police

Someone used my debit card on Cash App! You can report them to the police. However, this is only secondary. The primary thing to do is report it to your bank and Cash App as mentioned earlier. Don’t worry about identifying the person responsible. Your main priority is to report the unauthorized transaction.

Go to your local police department and inform them about the situation. Provide them with any details you have about the unauthorized use of your card on Cash App. The police are trained to handle these situations. They will take it from there and investigate further. It also helps to get a copy of the police report. This will be useful when you communicate with your bank or credit card company to prove that you weren’t the one making the transaction on Cash App.

How to Protect Yourself from Cash App Scams

Even Cash App encourages you to protect your money. If an offer seems too good, such as getting free cash for a small fee or receiving money from a random person, it’s probably not genuine.

Keep your Cash App information safe

Look out for people who pretend to be from Cash App’s customer service. They might try to trick you into giving away your details. Cash App representatives will never ask for:

  1. Your unique sign-in code. This code is crucial for your account’s safety.
  2. Personal details like your full debit card number, PIN, bank details, or social security number. Don’t share these with anyone, even if they say they’re from Cash App, whether it’s over the phone, email, social media, or texts.
  3. Money transfers to any Cash App account. There’s no legitimate reason for someone to request money claiming to represent Cash App or its affiliates.
  4. Downloading apps for “remote access” or doing a “test” transaction, such as using AnyDesk.

If someone from “Cash App Support” does any of the above, they’re likely trying to scam you. If this happens, stop talking to them and reach out to us directly through our official channels at Contact Cash App.

Report suspicious Cash App accounts

  1. Open Cash App.
  2. Click on a Customer Avatar to see their profile. You can also search using a Name, $Cashtag, Phone Number, or Email.
  3. At the profile’s bottom, click on Report or Block.
  4. Choose an option and proceed with the next steps.

Do Not Share Your Debit Card Details

While Cash Support might need some details to be sure they are helping the right person, such as your name, email, phone number, or the last few digits of a linked account or card, they’ll gather this securely via Sprinklr and SendSafely. However, never share your Cash App PIN or sign-in code. Cash Support won’t ask for your sign-in code, PIN, or bank details, or ask you to send money, buy something, download “remote access” apps, or do a “test” transaction. Always be cautious.

Beware of Free Money Scams

Cash App holds fun sweepstakes on their official Twitter page ( where you can win some cash. However, they will never ask you for your sign-in code, PIN, or to make any “test” transactions. Also, Cash App will not request you to download any apps for remote access or send payments. Cash App payments come from an account with a blue checkmark.

Ultimately, if an offer seems too tempting or too good to be true, like getting a lot of money for just a tiny payment, it’s probably not legit. Once you send money through Cash App, it’s usually instant, and can’t be reversed.

Read also: Steps to Put Money on Cash App Card at ATM

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  • Unauthorized Payment. Cash App
  • Dispute a Purchase. Cash App
  • Recognize Scams and Keep Your Money Safe with Cash App. Cash App
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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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