Flick Enterprises Inc

Initial Business Response /* (1000, 5, 2015/11/20) */
Square was unable to locate a Square account associated with this name and email address. If you could provide the name and email address on the account of which you are inquiring, Square can further assist you.
Initial Consumer Rebuttal /*...

(3000, 7, 2015/11/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response does not resolve the complaint. The information that Square has requested to locate the account is the following:
Name: [redacted] M [redacted]
Email: [redacted]@att.net
Final Business Response /* (4000, 9, 2015/12/07) */
According to Square's Merchant User Agreement Article 42. 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 you. We 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 final. Any funds currently in your account will be held for 90 days. If you do not wish to wait the 90 days, you may issue a refund at any time within 60 days of the date of the transaction. To learn more about issuing refunds, please reference this article found on the online Help Center: https://squareup.com/help/en-us/article/5060-process-refunds
Final Consumer Response /* (4200, 11, 2015/12/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square business practices specifically Article 42 puts small businesses and small organizations at risk. Square verified the bank account and sent communications via email that the account was fine. Terminating a new account without explananation is part of the agreement but it alienates customers and the potential for new ones. People talk about and share their experiences with businesses. Our experience with Square has not been positive and the lack of customer service and support to rectify problems is not good. Information such as this is shared at our local, Cluster and National meetings as members share what things work well and what does not work well for fundraising and for hosting conventions. Square refuses to say if the account was terminated due to suspected fraudulent activity. Again Square is alienating customers and the potential gain new ones if it does not provide specific reasons as to why accounts are terminated due to suspected fraud.
We should be afforded the opportunity to refute the claims.
The organization can provide Square with its bank documentation, tax id number, IRS nonprofit status and incorporation status to prove that we are a legitimate organization. We can also provide the bid sheets containing the names and contact information from the winning bidders from event where we used the Square app.
Square needs to reactivate the account and allow us access to the funds.

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So that Square can look into this for you, Square will need you to provide the following information: The email & phone number that was used to open the Square account. Once Square receives this...

information, Square will be able to investigate further.

Hello,
Square understands it's frustrating to receive a chargeback - however, this is something the sender has the ability to do with their card issuer. 
Unfortunately, due to the regulations set in place by the card networks and other financial institutions, Square cannot reopen and continue to re-challenge this payment dispute on your behalf. Although Square doesn’t have any further rights to challenge this dispute with the card issuer, it is within your rights to seek legal advice or resolve the issue with the sender directly.

Complaint: [redacted]I am rejecting this response because:
 
This isn't even a response... I mean the first line says "refer to the email sent on DATE"  and doesn't give a date!!!!
And then goes on to be what seems like random cut and paste sentences that are not even matching!
What the heck is this?
Sincerely,[redacted]

Hello,
 
Square is sorry to inform you that Square has deactivated your account. Square's Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity. For further information about Square’s policies, you can review section 36 of the...

Square Payment Terms. Square regrets to inform you that, starting from the date of your deactivation notice, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days from the date of deactivation before being released to your linked bank account. If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that Square will refund all the fees for refunded payments.)

Hi [redacted]Thanks for your email. I’m really sorry we can’t give you another chance to apply, but there’s nothing else we can do to change this decision.To protect your privacy and security, we don’t have access to the information you entered during the application process, so I cannot provide a more...

specific reason for why your application wasn’t approved.We are required, for regulatory purposes, to maintain certain records associated with your Square account. Rest assured, Square’s approach to security is designed to protect you and your data. All information submitted during the activation process was encrypted and submitted to our servers securely.I understand this situation is frustrating, and I wish I could be more helpful. I recommend speaking with other companies that offer similar services, like your bank or other mobile payment providers.AllisonSquare Support

Initial Business Response /* (1000, 5, 2015/11/03) */
Hello,
Upon further investigation, a member of Square's Compliance Team recently conducted a review of your Square account and after further review, it was determined that excessive prepaid card transactions were processed with your Square...

account. This activity is a violation of the Square Seller Agreement.
According to Section 47 of Square's Seller Agreement: "All transactions taken with Square must represent a bonafide sale of a good our service. Excessive gift card use is an indication of a violation of this term. "47. Representation and Warranties. You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business, including any applicable tax laws and regulations; (h) except in the ordinary course of business, no sales transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) your use of the Services will be in compliance with this Agreement."
Furthermore, Section 42. Suspension or Termination by Us states "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to you. We 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 final. For security purposes, Square cannot disclose further details regarding the reason for account deactivation.
Initial Consumer Rebuttal /* (3000, 7, 2015/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, I don't care that my Square account has been deactivated. My concern is the theft of my money with no explanation nor appeal process.
There is absolutely NO MENTION anywhere in the Square Seller Agreement of "excessive prepaid card transactions" nor does it mention what exactly "excessive" means.
Section 47 of the Square Seller Agreement says (as of 11/4/15 at 9:03 AM Eastern time):
47. Representation and Warranties
You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each Buyer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business and employees, including any applicable tax, wage and hour, and tip laws and regulations; (h) except in the ordinary course of business, no transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) no transaction submitted by you through the Services will involve your Cards (except for reasonable test swipes); and (k) your use of the Services will be in compliance with this Agreement.
All of my transactions are in compliance with the published agreement. As for Section 42, nothing I have done specifically falls into their problem list so they use this catch-all to steal my money and simply refer to Section 42 as the reason, which is really no reason at all.
And then on their Revdex.com response above they say "For security purposes, Square cannot disclose further details regarding the reason for account deactivation." Come on Square - this is my money and my situation - why can't you be honest and open with me and everyone else? I give you permission to tell them everything! Stop hiding behind these T&Cs that you keep making up as you go along.
Again, I don't care that Square terminated my account. My concern is that they STOLE $2000 from me and do not provide any way to contact them, appeal the decision, or any other form of recourse.
Final Business Response /* (4000, 9, 2015/11/17) */
According to Square's Merchant User Agreement Article 42. 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 you. We 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 final. Any funds currently in your account will be held for 90 days. If you do not wish to wait the 90 days, you may issue a refund at any time within 60 days of the date of the transaction. To learn more about issuing refunds, please reference this article found on the online Help Center: https://squareup.com/help/en-us/article/5060-process-refunds
Final Consumer Response /* (4200, 13, 2015/11/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They haven't proposed any sort of resolution - it's like they simply copy & pasted all the previous emails. Square still has not provided any details on what I did wrong, they simply refer to the catch-all paragraph in their user agreement that says they can do whatever they want for whatever reason they want. Beyond this, the even worse part (besides stealing my money) is that they don'r provide an appeal process or a way to contact them and discuss the problem. Their word is final and they won't listen to reason or discuss options. An absolutely horrible company with disgusting business practices.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

I spoke to my bank and they have not received any funds. They informed mme that it only takes 3 to 7 business days to process. It has been nine business day, so my assumption is my bank has not received any fund. I can not express how imperative I receive my fund quicker then 45 days. Again this is my rent we are speaking of.Complaint: [redacted]I am rejecting this response because:Sincerely,Roberta [redacted]

Hello,
Square's Compliance team sent you the following email on February 19, regarding your account and pending deposit;
"Thank you for your patience with our account review inquiry. We periodically review account activity on the Square system to ensure a secure experience for all our...

customers.
We are happy to inform you that we have completed our review of your account and have removed the deferred payout status on your account. If your account has a pending deposit, your funds will be deposited within 1-2 business days.As each bank has its own deposit processing procedures, some banks will reflect the deposit within twenty-four hours, while other banks may take longer. Most banks do not process deposits during weekends and holidays.
Visit the Square Help Center to learn more about deposits: [redacted]
Thank you for your cooperation.Sincerely,
Square Compliance Team"

Initial Business Response /* (1000, 5, 2015/09/03) */
Hello,
Upon further investigation, a member from Square's Disputes Team reached out to you on August 4, 2015 with instructions on how to expedite the dispute process.
Another email was sent to you on August 5, 2015 asking you to "Please...

request from your customer a copy of the cancellation letter from their bank. Another option will be to request a copy of your customer's credit card statement showing the cancellation of the chargeback dispute. Please note that when there is a payment dispute, we have to hold the transaction amount in your Square account until the dispute is resolved. If your available Square balance is less than the disputed amount, we must debit the funds from the bank account linked to your Square account".
Please reply directly to the message that was sent to you by Square's Disputes Team with a copy of the requested information in order to have the process expedited.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Square is happy to report our engineers have successfully merged your accounts on March 25th with a corresponding response via email on the same date. You’ll be able to see this the next time you sign in to the app. You may want to inform your friend you are now able to access these funds.

Please refer to the latest email correspondence sent by Square on 6/24/16. Hello [redacted],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 days. Please note that your account...

status remains unchanged.We appreciate your patience and apologize again for any inconvenience this may have caused.Sincerely,Square Account Services

Hi [redacted],Thanks for reaching out! My name is Nick. I'm a supporter here at Square, and i'd be glad to help you out.I just tried to give you a callback, but I wasn't able to get ahold of you, so I left a voicemail. I’m sorry we weren’t able to connect.Please feel free to give us a call back at...

855-700-6000 between 6am-6pm PT Monday-Friday, as we will need to verify some information over the phone to help you clear your two-step verification phone number. Your customer code is (Please see you email).Looking forward to hearing from you!Warmly,NicholasSquare Support

Square does not release its policies and procedures, as to the refund its something you would need to speak with [redacted] on..

Initial Business Response /* (1000, 5, 2015/10/27) */
Hello,
Upon further investigation, a member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article 42 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 you. We 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 43 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 Services. Any 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 final. Any funds currently in your account will be held for 90 days from the date of the deactivation. If you do not wish to wait the 90 days, you may issue a refund at any time within 60 days of the date of the transaction. To 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, 2015/10/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
By law you have no right to hold my money for 90 days or any days. This company hold funds to make interest of the funds. I hope their is a class action suit!!!!
Final Business Response /* (4000, 9, 2015/11/05) */
Hello,
According to Square's Merchant User Agreement Article 42. 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 you. We 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 final. For security purposes, Square cannot disclose further details regarding the reason for account deactivation.

Please refer to the email that Square sent you on April 11, [redacted]: 
Square wrote to you to notify you of a Tax Levy received from the California Board of Equalization for your account. As such, Square has placed a freeze on your account for all available funds up to the amount of the...

imposed levy, and any available funds will be remitted to the Board of Equalization. Please contact the Board of Equalization to resolve this matter, If Square receives notification that the levy has been lifted, Square will remove the current freeze on your settlement and deposits will resume as normal. In the instance Square has not received any notification of release from the California Board of Equalization, Square is legally obligated to remit the funds to the Board of Equalization. For any additional information, please reach out to Square directly.

Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard. Use the date selector tool to locate the specific payment. Click the payment you'd like to refund, then click "Issue Refund". Select the reason you're refunding the payment, and click...

"Issue Refund."

Complaint: [redacted]I am rejecting this response because:
I think Suqareup deserve severest punishment. They don't have customer support number to talk to them because they never reply to emails. They should be fined and punished, I don't know why courts and higher authorities of the USA are not taking this matter seriously. A financial/credit card processor company WITHOUT CUSTOMER SUPPORT CONTACT NUMBER. Is it serious business?
I trapped in the situation just because I really had no idea I could face situation like this. 
They never respond to actual problem rather they would be running all around except subject matter. 
I am complaining about my 2 different Squareup accounts ([redacted]) and the funds they are deducting from my two different bank accounts. You are deducting money without any reason but you are not addressing subject matter.
I am not going to accept the response which I already know or I can find that information on your website. I want my money back that you deducted from my both bank accounts attached to my mentioned Squareup accounts. 
 
Sincerely,
[redacted]