What to Do if You Got Scammed on Cash App (recovering funds)

Written By Branson Knowles

Even with all of Cash App’s warnings, users still fall victim to scams on a daily basis. So the question is, what do you do if you have gotten scammed by a scammer?

If you think you’ve gotten scammed on Cash App, the first thing you should do is reach out to Cash App customer support. Let them know in detail what happened and they should be able to freeze your account and investigate the transaction in question.

One of the biggest scams on Cash App is when someone you don’t know “accidentally” sends you some money. They will message you, saying it was a simple mistake and asking for you to refund the money. As I’ve written about this one before, don’t fall for the scam. Reach out to Cash App and let them handle it. 

contacting cash app support

If you send money to someone else and realize it was a scam after your money is gone, you may have a harder time getting it back. You should still reach out to Cash App, but realize their hands are tied. 

Cash App payments are instant and can’t be canceled, so you should always double check that the person you’re paying on Cash App is your intended recipient

Remember, if something sounds too good to be true, it probably is. You really should avoid sending or receiving money to and from people you don’t know online through platforms like Cash App.

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What Should You Do If You Just Got Scammed on Cash App?

If you just got scammed on Cash App you should reach out to their customer service. They’re easy to reach. You can contact them directly through the app. 

Cash App’s customer service is integrated right into the app through a chat feature. You can chat with their support team through messages like you would with any of your friends. 

You can even close the app and direct your attention to something else. Cash App will send you a notification when your customer support agent is ready to assist you. 

Once you have a customer service member, let them know what’s going on. Be sure to tell them specific details about the transaction or transfer in question, so they have all the necessary information needed to help you.

You can include screenshots in the chat too, so feel free to attach images of any messages you have with the scammers or transaction details. 

You can also report the scammer that scammed you without having to chat with an agent:

  1. Head to the profile section of the Cash App
  2. Tap support
  3. Then tap report a payment issue.
  4. From there, you’ll select the payment in question and follow the remaining prompts to complete your report

Cash App also lets their customers know that if the transaction in question is linked with a known scam account, you should first report and then block the account as well. 

To do so, head to your transaction history and find the scam transaction. Clicking on it will bring up the transaction’s details, including the person you transacted with.

Scroll to the bottom of their profile and tap “Report”. Cash App will give you some more prompts and questions to answer.

blocking on cash app

You can also block them from this screen. 

cash app block this person

Will Cash App Reimburse Stolen Money?

This is a tricky one, as there are a couple of different ways to lose money on Cash App, and Cash App themselves treats every situation a little differently. If someone hacks into your account and transacts without your authorization, Cash App will refund you.

If you send money to someone, and falling for a scam in the process, Cash App may not refund you. They maintain that they may not always refund their customers for authorizing fraudulent transactions.

They aren’t just playing defense, though, as Cash App monitors their customer’s transactions and looks for potential scams.

If they catch one, maybe a known scammer in your transaction history, they will cancel the payment on your behalf and refund your money directly to your account. 

If the payment is still pending and you’ve learned the “vendor” is actually a scammer, head to your transaction history and hit cancel. Most transfers are automatic on Cash App, so getting funds back isn’t a guarantee. 

If you see that someone has transacted on your account without your authorization, Cash App will refund you. It may take up to 10 business days to see the funds, but they’ll investigate it and take care of the situation from top to bottom. 

If your Cash Card is stolen, be sure to report it as soon as possible. You should do the same with any fraudulent transactions as well; the sooner you let Cash App know there’s a problem the sooner they can freeze your account to prevent you from losing any more funds. 

What Do I Do If A Random Person Sent Me Money on Cash App?

I’ve written an article on this previously, so if you want to read the in-depth version click here, I’ll summarize it for this article. 

In short, if a random person sends you money on Cash App, contact support. Don’t refund or cancel the transfer, let Cash App support do it themselves. The person who “accidentally” sent you money may reach out themselves, but don’t fall for their scam. 

If you’re unfamiliar, a popular scam with money transfer platforms like Cash App is to hack into someone’s account and send money “accidentally” to another random user. The scammer will then reach out to you, asking for you to send them the money back to you as they’ve sent it to the wrong person. 

If you do believe them, thinking this is just a random mistake and refunding them, they will usually re-route the refund to their own accounts, stealing from the hacked user. Cash App is well aware of this scam and will always step in to take care of it. 

Cash App also makes it very hard to send money to someone on accident. Users have their own unique $cashtags as well as profile names and profile pictures, each intended to distinguish users from each others. 

Plus, who doesn’t double check who they send money to?

If I’m sending more than $0.01, you better believe I’m triple checking that my intended recipient is, in fact, the person who’s about to receive the funds. 

So, you shouldn’t believe anyone who accidentally sent you funds on Cash App at face value. Let Cash App support know what happened, and they’ll investigate them for you. If it turns out it was a mistake, Cash App is more than capable of refunding the transaction themselves.

Can Someone Hack Your Cash App With Your Name?

This was another article I wrote for topmobilebanks.com, so if you want to check out the long version, click here. I saw a lot of people asking this question in relation to general scams on Cash App and what to do, so I thought it would be a good idea if I included it here. 

To summarize, nobody can hack your Cash App account with just your name. Your display name is only used by other people who are trying to find your account through Cash App, there’s nowhere where someone can use it to log in.

You can change your name on Cash App whenever you want as well. It’s completely free and you can change it to any name you want, so long as you’re not impersonating someone else. 

Nobody can hack your account with just your $cashtag either. The worst thing they can do with that is request money from your account. 

How to Contact Cash App Customer Support

Cash App makes it incredibly easy to get in touch with their customer support team. You can reach them through the app directly, using a handy messaging system to talk with them as if you were texting one of your friends. 

To contact Cash App customer support, open Cash App. Click on the profile icon in the upper right hand corner. If you have a profile picture, it will be there. From your profile, scroll down until you see a button that says support. 

Click on support. On the support page, you can either look at Cash App’s frequently asked questions pages or you can get in contact with one of their support “advocates”. 

The chat feature is one of my favorite parts of Cash App.

I reach out to them a lot while doing research for articles like these, and messaging them is easy.

They’re usually available within seconds of me sending a message, but on the rare times that I’ve had to wait, I can just close Cash App and put my phone down. 

Cash App customer support advocates will send your phone notification to let you know that they’re ready. Head back into Cash App when they notify you, and the support advocate can help. 

More Useful Articles About Cash App

About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at TopMobileBanks.com.

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining TopMobileBanks.com, breaking down banking like only an ex-banker could.

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