Flick Enterprises Inc

Complaint: ***I am rejecting this response because: I can not get in touch with anyone at Square about this no one with contact meIt has cost me time and money! I would like for Square to reimburse me for insufficient funds that I incurred because of there incompetence of how to run a businessGoing through the Revdex.com is the only way I have been able to get a response from SquareAlso I'd like for them to know I will no longer be doing business with them and I will be letting everyone know on social media how the do business!Sincerely,*** ***

Square reviewed your account and found some payments that violate the Square Terms of ServiceAs a result, Square was not able to deposit funds for these payments into your accountUnder Square’s Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your
Square accountThe Square Terms of Service also prohibit using Square as a money transfer systemYou must provide a legitimate good or service in exchange for every payment processed with SquareSquare contacted you on January to refund the payment in questionBecause refunds are only available within days of the original transaction date, Square's Account Services team is reaching out to you directly today for a resolution

Hello,Once informed on January of the activity in question, Square reached out to you by phone to resolve the issue within hoursThe account is now in good standing - We’re constantly reviewing our processes to make sure we improve the experience for our sellers, and we appreciate your
feedback about your experience on-call

Initial Business Response /* (1000, 5, 2015/10/13) */
Hello,
Upon further review, a member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article of the Square Seller Agreement: "We may terminate this Agreement and close your
Square Account for any reason or no reason at any time upon notice to youWe may also suspend the Services and access to your Square Account (including the funds in your Square Account) if you (a) have violated the terms of this Agreement, any other agreement you have with Square, or Square's policies, (b) pose an unacceptable credit or fraud risk to us, or (c) provide any false, incomplete, inaccurate, or misleading information or otherwise engage in fraudulent or illegal conduct."
Article further states that: "We will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Services, or in connection with any termination or suspension of the ServicesAny termination of this Agreement does not relieve you of any obligations to pay any Fees or costs accrued prior to the termination and any other amounts owed by you to us as provided in this Agreement."
The decision to deactivate your account is finalAny funds currently in your account will be held for days from the date of the deactivationIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo learn more about issuing refunds, please reference this article found on the online Help Center: https://help.squareup.com/customer/portal/articles/XXXXXX-how-do-i-process-a-ref...⇄ /> For security purposes, Square cannot disclose further details regarding the reason for account deactivation
Initial Consumer Rebuttal /* (3000, 7, 2015/10/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because I didn't do anything wrong, and they deactivated my account for no reason, now if they could point out any fraudulent activities I was doing than I will accept it.I have been doing the same type of businessAnd sending the very same type of invoice out for over a year with no p from square upI felt like when my business start picking up they just decided to start costing trouble for my businessI have lost a customer that I had for years, because of thisAnd to be honest I don't think I could ever accept any response they give meThey have done a lot of businesses wrong, and I can't wait to see them what will happen to square up at the endI don't understand why this company has a good rating with the Revdex.com, I thought the Revdex.com suppose to help small and big business watch out for crooks like this company
Final Business Response /* (4000, 9, 2015/11/02) */
Hello,
According to Square's Merchant User Agreement Article Suspension or Termination by Us: "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to youWe may also suspend the Services and access to your Square Account (including the funds in your Square Account) if you (a) have violated the terms of this Agreement, any other agreement you have with Square, or Square's policies, (b) pose an unacceptable credit or fraud risk to us, or (c) provide any false, incomplete, inaccurate, or misleading information or otherwise engage in fraudulent or illegal conduct."
The decision to deactivate your account is finalFor security purposes, Square cannot disclose further details regarding the reason for account deactivation
Final Consumer Response /* (4200, 13, 2015/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because they can't give me a good enough reason why they deactivated my accountI think it's a bunch of ***, and I think they should take square up off the marketI will never accept their proposal, or proposed resolutionIt's to many people getting hurt behind their actionsAnd I don't think it right that they have a A,B,C,Or D ratings for their company while they are taking advantage of small businesses like mine and others

Complaint: ***I am rejecting this response because what they are saying is not trueI didn't have any prepaid transactions and none of my usage is high riskI want proofI deserve proof and a clear explanationWho made this determination and how did they determine it? What evidence was obtained that makes any implication of what I am being wrongfully accused of? There is no proof because I didn't do this and it is aggravating that I cannot get a clear explanation besides some blanket statementWhat transactions are even being discussed? Why is the customer not allowed to dispute this with the companyI will tell you whyThey are screwing over small business owners because there are people in this world who violate the terms of agreementYou can just point the finger at someone and accuse them of wrong doingI also owe them no money as all transactions are valid and not questionableTherefore, as per the terms of use, this should not be held from me. Sincerely,*** ***

Hello *** ** ***,We’re happy to report that after reviewing your Square account, we’ve returned your account to active status and resumed regular deposits to your linked bank accountThank you for your patience and cooperation throughout this processWe understand it can be a frustrating
experience and apologize for any inconvenience it may have caused.Depending on your bank’s policies, you should see your remaining Square balance in your linked bank account in one to two business daysIf you have any questions about Square’s deposit schedule, please read this Support Center article.We value the security of your Square account, and the verification process helps us keep your account safePlease note that you won’t have to go through this process after every transaction.Sincerely,Square Account Services

Complaint: ***
I am rejecting this response because: Square needs to be specific about the transaction in questionThis will help me know what I am dealing withWithout this, I am in limbo
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/12/23) */
Please refer to the email correspondence from Square on 12/1/that states: "Square is unable to cancel Cash transactions after they've completed transferring to your recipient's bankHowever, you're able to request the same amount of money
from your recipient with the Cash app or by email to receive the equivalent amount of money back." Please contact your card issuing bank who holds the rights to assist you with this dispute
Complaint Response Date bumped because: Holiday

Initial Business Response /* (1000, 5, 2015/07/21) */
Hello,
Upon further investigation, a member from Square Compliance reviewed your account and found a persistent pattern of transactions generally associated with high-risk activity
A notice was sent on July 8, stating that "your
outstanding Square balance will be reserved for days unless circumstances require that we extend this reserve period."
in accordance with Article of the Square Seller Agreement: "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to youWe may also suspend the Services and access to your Square Account (including the funds in your Square Account) if you (a) have violated the terms of this Agreement, any other agreement you have with Square, or Square's policies, (b) pose an unacceptable credit or fraud risk to us, or (c) provide any false, incomplete, inaccurate, or misleading information or otherwise engage in fraudulent or illegal conduct."
For security purposes, Square cannot disclose further details regarding the reason for account deactivation
Initial Consumer Rebuttal /* (3000, 7, 2015/07/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Greetings Square IncRisk Management,
Let it be known that *** ***, LLC disputes the day timespan for which your organization, Square, Inc., is claiming right to holdback settlementWe are with reasonable belief that your contingent 'high-risk' liability began at the time of the transaction, which was April 9th 2015; and not at the time in which you elected to deactivate our account on April 29th A deactivation that went without proper notice from you, by being delayed until July 6th (days later)Thus, not in harmony with our Square Seller Agreement- which states: "We may terminate this Agreement...for any reason or no reason at any time upon notice to you." However, the deactivation of the account is little of our concernAlthough your procedure does give arise of concern as to your accountability in regards to upholding integrity amongst our agreement, as well as your compliance to other applicable laws and regulations
As The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation possess statutory authority to supervise third-party servicers, such as Square Inc., that enter into contractual arrangements with their regulated financial institutionsThus, the Federal Reserve (Merchant Acquirers and Payment Card Processors: "A Look inside the Black Box") upholds that the timespan cardholders have to claim a chargeback begins with the later date of which the transaction was processedMoreover, in purview of Regulation-Z, the consumer has days from receiving the issuing bank's statement to report a dispute (days if State law allows)
Whereas The Office of the Comptroller of the Currency in its Comptroller's Handbook for National Bank Examiners, "Merchant Processing- Section 212A.1" states: "....the customer has four months days after a credit card purchase to dispute the purchase." Furthermore, Visa (Visa E-Commerce Merchants' Guide to Risk Management) states that "Issuers have days from the central processing date (CPD) to charge back transactions in which the cardholder claims to have not participated." In addition to the Federal Deposit Insurance Corporation upholding that the acquiring bank's contingent 'high-risk' liability generally spans to days (but up to days for 'certain' transactions)."
As there were no international 'certain' transactions made on April 9th with *** ***, LLC that would warrant a contingent 'high-risk' liability of daysThus, we are with reasonable belief that, under applicable law and regulation, the expiration date of contingent 'high-risk' liability for Square, Incand its acquiring banks is August 7th (days)You are without merit in claiming right to holdback settlement until October 26th (days)Moreover, without merit with your claim of right to begin a settlement holdback time based on the account deactivation date of April 29th 2015, and not from the transaction process date of April 9th
As our Square Seller Agreement- states: "....if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you.....until such time that:.....(b) the period of time under applicable law or regulation by which the Buyer may dispute that the transaction has expired; or (c) we determine that a Chargeback on the transaction will not occur."
Therefore, we respectfully demand settlement on August 7th (days)A date that is well in accords with a timespan upheld under applicable law and regulation for the expiration of the acquiring bank's contingent liability, moreover, Square Seller Agreement- 'high-risk' liabilityFurthermore, take notice that we possess no affiliation with the cardholder outside of providing goods and servicesTo the best of our knowledge the cardholder's April 9th transaction was legitimateWe do not possess, claim or have any knowledge of the responsibility for the repayment of any debt incurred by the cardholderAs we share a valid concern for chargeback liabilities, thus requested a certified statement from the cardholder waiving all claims and defenses (see attachment)
So, with respect to oversight authorities, in purview of Regulation-Z, Square Seller Agreement- (b) (c), and the good faith actions taken to insure that no fidelity liabilities commence, we respectfully demand settlement on August 7th (days)We are with reasonable belief that a settlement date of August 7th (days) is balance, for all partiesIf you wish to hold your position regarding this matter we shall file a Demand for Arbitration; and we accept your offer of payment of all arbitration fees to settle our dispute(s)
May we all do well in our endeavors,
*** ***, LLC
Final Business Response /* (4000, 9, 2015/08/11) */
Hello,
Upon further investigation, a member from Square reached out to you on August 5, to inform you that the funds being held in your Square account had been released

Initial Business Response /* (1000, 5, 2016/01/19) */
Please refer to the latest email correspondence between you and Square dated 1/11/The message states: "We are happy to inform you that we have re-activated your account and your pending deposit will be sent to your bank account tonight
Depending on your bank, you should see the funds in your account within 1-business days."
Initial Consumer Rebuttal /* (2000, 7, 2016/01/20) */
This was resolved- they finally released the funds last week
*** ***
XXX-XXX-XXXX

Please refer to the following email sent on *** 18: Hello***, Square is happy to report that after reviewing your Square account, Square has returned your account to active status and resumed regular deposits to your linked bank accountThank you for your patience and cooperation
throughout this processSquare understands it can be a frustrating experience and apologizes for any inconvenience it may have caused.Depending on your bank’s policies, you should see your remaining Square balance in your linked bank account in one to two business daysIf you have any questions about Square’s deposit schedule, please read this Support Center article

Square looked into this for you, and Square is happy to report that these funds will be automatically sent to your bank this evening around 8pm PT, so you should see them post to your account tomorrow morningSquare has reviewed your account and is confident that it has not been compromised
Square apologizes for any frustration this has caused, and wanted to ensure the safety of your accountIf you’d like to check the status of your deposits, you’re always able to view your next and previous deposit from your online Square Dashboard.You can find more information on Square’s deposit schedules in our Support Center

Complaint: ***I am rejecting this response because: will file a claim with Texas attorney of general on mistreatment from Square and how they abuse their customersSincerely,** ***

Complaint: ***I am rejecting this response because:
Square has yet to contact me There has been no discussion There has been no resolve Square doesn't even know what the issue is because there has been zero effort to understand the problem Several of my vendors and myself are already in the process of switching our processing business to another company
Sincerely,*** ***

Hello,
When a cardholder initiates a payment dispute, the card issuer requires that the recipient return the funds for that payment to the senderBecause this resolution is final, Square no longer has rights within the credit card networks to continue challenging this payment disputeIf you wish
to challenge this case further, please resolve it directly with the sender.Please note Square reserves the right to recover funds for disputed transactionsExcessive disputes may lead to termination of services.To learn more, please visit Square’s Cash Terms of Service and Payment Terms

Phone support is available for all active Square users at *** A customer code is required for proper routing and securityPlease refer to the latest email correspondence between you and Square to obtain your customer code

Complaint:***I am rejecting this response because: I have a legitimate businessAgain, I opted for square because most of my facilities clients preferred having a physical signature and being able to slide their card versus entering it onlineI thought then having anA+ business was a good thing but they have THOUSANDS of NEGATIVE comments about their poor service
I don't care about reopening my account with Square because of their POOR customer serviceI want my FULL funds deposited into my account faster than the daysI shouldn't have to ask my clients to do a refund and recharge them because Square fails as a card processing company and I shouldn't be faulted for THEIR actions.
*** ***

SquareHello ***,We're sorry to inform you that we are deactivating your accountWe reviewed your account and found a persistent pattern of transactions generally associated with high-risk activity.We regret that, starting today, you will no longer be able to process transactions using Square.Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to days (but no less than days), unless circumstances require that we extend this reserve periodIf you do not want us to reserve your funds, you may refund the payment back to the cardholder account.We appreciate your having chosen Square and apologize for any inconvenience this may cause.Sincerely,Square Compliance TeamThis is a non-commercial message sent to you by Square, Inc.Email preferences: Please note that you may receive non-commercial email in accordance with your Square Seller Agreement, whether or not you elect to receive promotional email.FAQ: If you have any questions about Square, please see our help center at: https://squareup.com/helpPrivacy and security: Keeping your personal information secure is one of our most important responsibilitiesFor an explanation of how Square protects your personal information, please visit the Square website to read our Privacy Policy

Please refer to the following email sent on *** 5: Hello***, We wanted to let you know that the hold on your Square account has expired, and your funds are scheduled to be deposited to your linked bank account within one to two business daysPlease note that your account status remains unchangedWe appreciate your patience and apologize again for any inconvenience this may have causedSincerely, Square Account Services

Please refer to the following email sent on *** 22: Hello ***, Thank you for sending this letterWe have reviewed this document and unfortunately, we are unable to approve an early release of the held fundsThe letter we received does not confirm the dispute was cancelled.Dispute
Reason: U EMV Liability ShiftDisputed Amount: ***Payment Date: *** at 4:21pm CDTPayment Card: *** ***I have checked on the status of this case and can see that, due the EMV Liability Shift, your customer’s bank has resolved the dispute below in your customer’s favorPlease note, this decision was made by your customer’s bank, not by Square. In an effort to reduce credit card fraud in the U.S., banks are now issuing new, more secure chip cards (EMV cards) to customersAs a result, businesses will need to upgrade their payments terminals to accept chip cardsTo make sure you’re covered, you’ll need a reader to process chip cardsFortunately, Square has two options for you: The Square contactless and chip card reader: Accepts chip cards, contactless payments, and works alongside the magstripe reader to accept magstripe cardsVisit the Square Shop to learn moreThe Square chip card reader: Accepts chip cards and magstripe cardsYou can purchase yours online or drop by a local Staples or Best Buy to pick one upYou can find more information about the transition to an EMV payments system in Square’s Liability Shift GuideIf you wish to pursue this matter further with your customer directly, it is within your rights to do so outside of the dispute process or to seek the advice of counselPlease see this Support Center Video for best practices when accepting credit cardsIf you have any additional questions or concerns, please feel free to reach out and we'll be happy to help
Best regards, Neil Square Disputes