Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.

Question

I had added $500, $200, $200 and tried three times adding another $100 to pay my car insurance yesterday. Keep in mind that they keep $1 for every time you add money so the 500 was $499, the $200 I added $201 and again I added $201. Then it declined my $101 for my car insurance and said I had added the limit for the rolling 7 days. When it also says that I have a $25k limit for weekly money adds and $50k for monthly. Another section does say $1,000 limit weekly and $4,000 for 30 days. So they keep the dollar which I’m not mad about but you can’t say that it’s added to my account when it doesn’t reflect my account. Only cash app’s pocket. Also they have lied about the limits bc I have screenshots that say the limit is in fact $25k for the week. They also told me to take screen shots when I asked for a transcript of our conversation and left me with zero ways to download that transcript. I’m entitled to those transcripts am I not? I can’t be the only person that they are doing this to. A

James L. Arrasmith · Answer

It sounds like you are experiencing some frustration and confusion with the limits and policies of Cashapp. Here are a few thoughts on your situation: 
 
1. Conflicting limit information: It does seem odd that Cashapp is displaying different weekly and monthly transaction limits in different places. The $1,000 rolling 7-day and $4,000 30-day limits may be the actual enforced limits, while the $25k weekly and $50k monthly caps could be maximum theoretical limits that most users wouldn't reach. However, Cashapp should aim to be consistent and clear about applicable limits. 
 
2. Fees not counting towards limits: The $1 fees Cashapp charges for each transaction do eat into your transaction amounts, but based on standard industry practice, those fees likely do not count towards your transaction limit. Only the net amounts transferred would logically apply to the limit. So that part of Cashapp's process seems reasonable.  
 
3. Right to transcripts: When it comes to your right to access transcripts of your interactions with Cashapp support, that likely depends on Cashapp's terms of service and privacy policy that you agreed to, as well as any applicable laws and regulations. While it would be good customer service for them to provide transcripts upon request, they may not be legally obligated to do so in all cases. The suggestion to take screenshots was probably their way of allowing you to retain a record of the conversation. 
 
4. Consistency and transparency: While the specific issues with limits and transcripts may or may not represent Cashapp violating its own policies or breaking laws, your broader concern about consistency and transparency is very valid. Financial services companies should strive to be as clear, consistent and upfront as possible about their fees, limits and policies to avoid customer confusion and frustration.  
 
If you remain dissatisfied with how Cashapp has handled your concerns, I'd recommend filing a formal complaint with their customer service in writing. If you believe they have violated their own terms or any laws, you could escalate to the relevant authorities, such as the Consumer Financial Protection Bureau. But hopefully Cashapp will work with you to clarify the limits and provide the information you need. Don't hesitate to keep pushing for clear, helpful answers. You deserve transparency from the financial services you use.

Q: Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.