Actually, the money of the Cash app balance is not FDIC-insured. It means this fund is not federally backed if sent to the wrong person or fraudulent transaction. So, to overcome this scenario, you have to verify your identity as well as an account by providing all possible details. Your Cash app dispute is insured with your bank issuer. https://www.cash-app-customer-service.com/blog/can-i-dispute-a-cash-app-payment