Why the hell does ANYONE use CashApp

Dear god, this experience with them has been horrible.

I lent some money to a friend via it because they use it. I just wanted them to pay me back via PayPal. The friend forgot and sent the repayment via CashApp so I returned it as CashApp can't Cashout to any of the institutions I bank with. Instead of using my CashApp balance, it decided to charge my debit card for that transaction. No problem, I thought, this is something I've had happen elsewhere and is easily fixed with a phone call.

Checking in the app, they only have Chat listed. I tried the chat and it's either a damn Chat Bot, or their employees are stuck using stock replies and can't reply anything custom. I eventually found their phone number in their Terms of Service which the only option was a callback which took over 2 hours. Once I did get the callback it was very obviously someone overseas who did not understand the situation and was of no help. I ended up hanging up on them.

In the end, I've ended up sending them a "Pre-Filing Requirement to Attempt to Resolve Disputes" as required in their Terms of Service. Thankfully, I do shipping as part of my employment so this costed me nothing to ship a letter overnight with signature required. However, I'm sure I'll have to deal with a lot of bureaucracy now from their legal department's arbitration division.

Not once in my nearly 20 years of banking have I dealt with such a shitty financial company. With my credit union, while they can be a bit slow they've never given me issues trying to fix something. With PayPal, I've never had an overseas rep during a phone call and was able to get someone on the line during the same call (within business hours). Heck, even PNC was clunky to use, but it at least worked. CashApp obviously is doing the bare minimum and I hope they go out of business.