Cash App complaint: Fail to return my funds

About a few months I had a business account. About 4 months or longer to be exact. I have notice that every time money was sent to me I was charged 2.5% on every transaction or money sent to me. I looked everywhere on the app to find a switch back to personal account. I could not find it. So for months, every transaction or money sent to me I was taxed 2.5%. This however was very frustrating. One can imagine. It was not until recently, I searched on google and YouTube how to change from a business account to a personal account. This is ridiculous. So I reached out today to cash app to refund me the money from those transaction, they began to say “we do not refund more than 7 days”. WHAT! Is this company serious! How was I supposed to know? Where does it say 7 days? Where is the option to switch back to a personal account. Why did I have to search google and YouTube to fix my problem? How is this transparency? How is this great customer service? Does this call for legal action? In my case this does warrant legal actions. There need to be FULL TRANSPARENCY ON THIS APP. I demand a refund. This is why legal actions is the correct action at this time.