The increasing use of online transfer and mobile money apps has resulted in plenty of scammers and con artists that can rip you off your money. Consequently, events like Cash App hacks, getting scammed through the Cash app, or identity theft have become quite common. So if you have lost funds recently, you might be wondering how to get money banked on Cash App if scammed.
- You can report a Cash app scam to authorities and request for a refund immediately.
- To request a refund you have to Open Cash App > Account Activity > Scam Transfer > Refund > Confirm.
- You can avoid Cash App scams by not interacting with accounts you don’t personally know.
…and Much More!
How To Get Money Back on Cash App If Scammed On Cash App?
“I got scammed on Cash App, what do I do?”
We can imagine how panicky one would get if this happened.
Cash app is one of the most popular mobile payment apps in the US. Although it allows you to make swift transactions to other accounts, you can lose funds if you are careless with its use.
Therefore, it is important to know how to avoid common scams on Cash App, how to delete history, report a transaction, how to deal with a failed transfer, dispute a transfer, etc.
How To Report Someone On Cash App and Get Money Back – Cash App Refund Policy
Those who have been a victim of fraud on Cash App must report the happening to the authorities as soon as possible. If you know the merchant or the account holder that has scammed you, it is also advisable to dispute the transaction. This may increase the chances of you getting your money back. Here’s how you can report the scam on Cash App.
- Open your Cash App account and click on the Settings icon towards the top right of the screen.
- View your Account Activity from here and tap on the fraudulent transaction that you want to report.
- Tap on the three small dots and click on Need Help & Cash App Support.
- Proceed to click on Dispute Transaction.
- This will be followed by a series of questions which you need to respond to.
Attention! You should contact the merchant and request for a refund before you proceed to report it as scam and dispute the transaction.
After Cash App receives your dispute request, it will investigate the transaction and also refer it to Visa Network for detailed scrutiny. The company will contact the merchant and look into the transfer as well as the promised products/services to determine if the transaction was fraudulent or not.
- If your claim is proven correct, Cash App will issue a refund to your account immediately.
In some instances, you may also have to report the fraud to the government. You can do so by going through either FTC or IC3. However, keep in mind that you will be required to share legit information as well as strong reasons why you are disputing the money transfer.
Any scam on Cash App reported to the government may have serious consequences. However, it can help you get your money back quickly and protect others from scammers as well because government officials will arrest if the fraudulent activities are detected.
Method To File a Refund Request on Cash App
Cash App has certain fraud protection services in stock for you. However, when it comes to getting a refund, the best-case scenario is that the payment on Cash App is pending. Otherwise, it would become a bit tricky to get your money back. Here’s how you can cancel a fraudulent pending transaction on the app and get your money back immediately.
- Open your Cash App account and then click on the icon toward the top right corner of the screen.
- View Account Activity and identify the transfer that you think is a scam.
- Tap on Cancel.
If you don’t see the option to cancel the payment, it is typically because the transfer has already gone through. Now the next step should be to request a refund from Cash App and here’s how you can do that.
- Open your Cash App account and again click on the icon towards the top right corner of the screen.
- Identify the fraudulent transaction and click on Refund.
- Then tap on OK.
After this, the authorities will get in touch with the merchant or the other account holder to scrutinize the situation. It can take up to 10 days to get the refund if your request is approved.
How Long Will Cash App Refund Money If Scammed?
If you realize that you have been scammed and cancel the transaction immediately, the amount will be reimbursed right away. This means you won’t be charged for the transaction and all is safe.
However, if the payment has been processed, you need to report it to Cash App authorities and the linked back about the scam. This may take up to 3 business days to refund the money.
Extra Reading
Other Things To Do If You Got Scammed On Cash App
Your security measure against being scammed on Cash App should not stop at simply reporting the transaction and requesting a refund. You can take additional precautions to ensure safety.
- Block the Spam Account
If you have identified a potential scam account, you should take possible steps to block the scammer.
You can do so by opening a Cash App account and searching for the scam account. Open the account and scroll to select Report or Block. Follow the on-screen instructions to complete the process.
- Freeze Your Cash App Credit
Some scammers take advantage of you through unauthorized transactions. However, there are others who may hack into your account. In this case, the credit is not safe and you must freeze your credit by contacting the major credit bureaus.
Steps To Avoid Cash App Scams In Future
Cash app scams are relatively not that difficult to avoid. This is because you have layers of security that you can use to stay safe from scammers and hackers.
The most useful tip is to never send money to someone you don’t know. Since Cash App can only cancel pending payments, if you have transferred funds to an unknown account and need a refund, there is little the authorities can do.
Moreover, make sure you have checked the Cash app account number and routing number before sending money. You may end up making a transaction to the wrong recipient if you are not careful enough.
- You should also use your Cash App account on a dedicated device.
Log in on your phone and avoid opening the account on secondary devices, for example, a friend’s phone, your laptop, etc.
You might be interested in reading: Cash App Clearance Fee and Sugar Daddy Scam.
The Bottom Line
If you have been scammed, it is fair to say that such events are a financial and emotional shock. Although there are several ways to get a refund and methods to report scams as well, none of those guarantee, 100%, that you will get your money back.
Mobile app users or account holders who constantly utilize online banking apps should always opt for additional security features such as fingerprint scans or face identification as a way to avoid common scams in the future. These measures can considerably reduce the chances of becoming victim of a fraud.
Frequently Asked Questions
How can I recover my lost funds from a scammer?
The first thing is to report the fraud to the bank as soon as possible. You should also inquire about the refund policy after sharing all the transaction details.
Will my bank give back the money that I lost in a scam?
You should contact the bank and see what they can do about the scamming case. Most banks are quick to offer a refund if you have been the target of a fraud.
How to get money back on Cash App if scammed?
You can get your money back easily if the payment is still pending. Otherwise, you would have to request a refund from the authorities.
Will Cash App refund money if scammed?
Cash App may or may not refund the amount you have lost in a scam but you must report to the bank as it holds the authority to cancel or refund an unauthorized transaction.
Can I dispute a Cash App transaction with my bank?
You can dispute a Cash App transaction by notifying the bank attached to your account. If you have noticed any unauthorized transaction, the best approach is to report it to the bank immediately.
Jamie Johnson is very enthusiastic Kansas City – based freelance writer, and her core expertise are finance and insurance. She has been endorsed on several personal finance, insurance & business website to share her thoughts. Her publications can be found on famous sites like Bankrate, The Balance, Business Insider, Chamber of Commerce and many others.
From many years, she served more than 10,000 hours of research and writing to more than 2000 articles related to personal finance, credit building, mortgages, and personal and student loans.
