just don't ever need to actually speak with a live human or ask for a transaction to be disputed and you will be golden. Cash app has a million excuses and hoops for you to jump through. They have nearly gotten me killed sending me to a merchant directly that was obscene and irrational, yet that is there response to everything. You may have to wait 2 hrs to speak to them but if it takes you longer than 5 minutes when they resoond you get to start all over. Absolutely the worst service ever