Flick Enterprises Inc

Initial Business Response /* (1000, 5, 2016/02/23) */
Please refer to the last email Square sent you on February 16th, 2015 regarding the usage and activity on your account stating: "Hello [redacted],
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 account. Thank you for your patience and cooperation throughout this process. We 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 days. If you have any questions about Square's deposit schedule, please read this Support Center article ([redacted]).
We value the security of your Square account, and the verification process helps us keep your account safe. Please note that you won't have to go through this process after every transaction.
Sincerely,
Square Account Services"
Initial Consumer Rebuttal /* (3000, 7, 2016/02/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They didn't resolve anything!!!! What about the product that they approved to leave my store? how do I get it back and the 4 overdraft charges on my bank account!!!! I need someone at square to please help me with this issue. I have been calling for two weeks and no one even returns my call.
Final Consumer Response /* (3000, 13, 2016/03/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square is one of the worst companies I have ever done business with. Is not about seeking legal advise against my customer. The point is that square approved the sale and then decided to hold the funds.
I stopped using square and switch over to clover with my bank . We recharged the same cards for the same amounts and didn't see have any issues.
My advise to everyone is do not use square . They are the worst at customer service and couldn't at least refund me the overdraft charges caused by there negligence
Final Business Response /* (4000, 15, 2016/03/23) */
Square is unable to refund any overdraft charges and has no additional information to provide at this time.

Complaint: [redacted]I am rejecting this response because:
It is irrelevant to my problem. Please reread.
Sincerely,[redacted]

You can return your Square hardware within 30 days of the date of purchase. To get started with your return, visit squareup.com/shop/return.
Your business is prohibited by Section 3 of the Payment Terms and/or Section 4 of the General Terms, which means we cannot accept payments related to your...

business.

Please refer to the latest correspondence sent by Square on 5/12/**. Hello [redacted],We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.For further information about our...

policies, you can review section 42 of the Square Seller Agreement (https://squareup.com/subscriptions/r?ee=0d1bbcdc1ce04bc8c20d7fc17311a96391b227d...⇄ regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days 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 we will refund all the fees, too.)Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard (https://squareup.com/subscriptions/r?ee=ef950b75b9e77d97e35cfc8836db8239c718f5a...⇄ 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."Unfortunately, our decision to deactivate your account is final. Due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.Again, we apologize for any inconvenience this may have caused.Sincerely,Square Account Services

Hello,
Failed attempts to debit your linked bank account were made in October, November and December.
 
Please re-enter your bank account information by accessing your Bank Account tab on your Square Dashboard. You can also visit Square's Support Center for a step-by-step guide on linking your bank account [redacted]Once your bank account is verified, please let Square know if you continue to experience trouble refunding payments.
Square will work directly with the card-issuing bank regarding any payment disputes for transactions made using your Square account.

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]

Complaint: [redacted]I am rejecting this response because:False advertising.Sincerely,[redacted]

Revdex.com:I will allow the Square company to hold my funds for 180 days, as Square has requested. 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]

Initial Business Response /* (1000, 5, 2015/10/22) */
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.

Complaint: [redacted]I am rejecting this response because:This canned response is the same one you provided before, basically no response at all. My business does not fall within this prohibited category.  I bill my customers for advertising services, Square has never even inquired about what business services we perform.  I can't even imagine how Square would determine this, since I have been unable to speak with their customer service since day one.  If you handle a business' money and have access to their bank account, that customer should have a right to be able to reach you by phone- instead calls are blocked because a special code is required.  This is a terrible way to do business and there are better options available such as Stripe and Paypal to get this job done, and they answer their phone.  Your rating should be F- with Revdex.com.
Sincerely,[redacted]

Square has already released these funds. Please refer to the following email sent to you on [redacted] 29:  Hello [redacted],Square 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.

Initial Business Response /* (1000, 5, 2015/06/22) */
Hello [redacted],
Upon further investigation, it appears the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed.
For more...

information, please view the most recent email from Square sent on June 15th, 2015.
The information from that email is as follows:
"You have linked a bank account successfully to the Square account associated with the email address [redacted]@gmail.com. Two deposits were sent to this account.
*However, the Square account associated with the email address [redacted]@gmail.com does not have a linked bank account. No deposits have been sent to this account.
Please sign in to your Square account using the email [redacted]@gmail.com, and update your bank account information. To sign in, head to "squareup.com/login":https://squareup.com/login. If you have trouble with the password, you can always "reset it online":https://squareup.com/password ** from the Square Register app."
If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, 2015 for further assistance.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On January 28th 2015, Square indicated that my bank account link was successfully activated with my Branch Banking and Trust account. "We will be making a one-time 49c deposit and withdrawal within the next one to three business days". On Feb. 4th "Square is unable to expedite processing on time. I sent them my Branch Banking and Trust, information including my email as [redacted]@gmail.com. Please, if you refer to the notice square sent to me on Jan. 28th through Feb 2015, they had my correct information.
I couldn't transact or process my credit card payment immediately I contacted them about the missing deposit and I was referred to the help center. I told them my credit card payment was not going through any more. Consequently, I was told to reset my pass [redacted] and email. Before then, I was told about the pending deposit nearly $2600.00.
When I made the changes to my email :[redacted]@gmail.com only two payments of $30 and $50. was deposited into my account.They kept saying such and such amount ($2600.00 is pending. I called several times and they never answered. My banker is a witness to this because he made the calls in his office with me there. "We got your message everytime I text them for three weeks. I begged them to please make the deposit because my business was jeopardy. No bill was paid and still not yet square refused to deposit this money into with the pretext that they don't have my bank account.
But according to their rules for missing money it only takes five working business days for the refund to be done. It's nearly two months now and the depending deposit is still on.
Now I am faced with overdraft and returned charges. My account is currently inactive pending this deposit to be done.
"You can continue to accept payments before verification is completed. Any funds you process will be maintain in your square balance until your bank account is verified.
Final Business Response /* (4000, 9, 2015/07/08) */
Hello,
After investigating the matter in more depth, it still appears that the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed.
For more information, please view the most recent email from Square sent on June 15th, 2015.
The information from that email is as follows:
"You have linked a bank account successfully to the Square account associated with the email [redacted]@gmail.comEA. Two deposits were sent to this account.
*However, the Square account associated with the email address [redacted]@gmail.comEA does not have a linked bank account. No deposits have been sent to this account.
Please sign in to your Square account using the [redacted]@gmail.comEA, and update your bank account information. To sign in, head to "squareup.com/login":https://squareup.com/login. If you have trouble with the password, you can always "reset it online":https://squareup.com/password ** from the Square Register app."
If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, 2015 for further assistance. A phone number was also provided to you through an email message sent on June 15th, 2015 so that you may call and have a representative from Square explain the process to you.

Initial Business Response /* (1000, 5, 2015/09/28) */
Hello,
Upon further investigation, a member from Square Support Team reached out to you on September 18, 2015 in response to your email.
If you have additional questions please reply directly to the last message sent to you by the Square...

Support Team representative.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response from the business. They want to use an e-mail as a formal way of contact. PayPal for example has a way to file a claim from fraudulent merchants through their website and by phone. Square is a get over just like the merchant I encountered. They favor the merchant over the consumer. There's a number for merchants but not for consumers.Very Shady!!!
Final Business Response /* (4000, 9, 2015/10/14) */
Hello,
Upon further investigation, a member from Square's Support team reached out to you on September 18, 2015. The message states: "Square is not able to process a refund for the payment in question. You need to contact your bank or credit card company and dispute the charge. Once that happens and we receive notification of the billing dispute from your bank or card issuer, we will work with them to resolve the dispute as quickly as possible. We understand that you may be due a credit and will do what we can to streamline the return of any owed funds to your account."
Final Consumer Response /* (2000, 13, 2015/10/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yes, I went to my bank to file a fraudulent claim and was given a refund. The point is the situation shouldn't have had to go to that extent. There should be a protocol in place for both parties not just one. Even now that I watch this company's social account there are buyers complaining about the same problem of not receiving their merchandise and Square Up, Inc. lack there of of protecting the buyer as well, not just the seller. It's like the seller is stealing and you're benefiting from the heist in the process, which means you're guilty by association. Situations like this make it hard for the buyer who spends their hard earned dollar and new potential sellers. I will not purchase from any company that uses your services as an invoice services. I'm pretty sure there's thousands of others as well. Have a blessed day!

Hello [redacted],The safety of your Square account is very important to us. To ensure the safety and security of both you and your customers, we would like to confirm some additional information about your account.Until we have confirmed this information, deposits to your bank account will be...

deferred. During this period, you will still be able to accept payments using Square.We realize the difficulty this may cause and we want to resume deposits to your bank account as soon as possible.With your cooperation, we hope to resolve this situation in 1-2 business days.Please log in to the Square Dashboard on a computer at https://squareup.com/login. Then, click the "Verify account" button in the banner at the top of the page in order to confirm some details about your account.Thank you for your cooperation.Sincerely,Square Compliance TeamThis is a non-commercial message sent to you by Square, Inc.

The company has sent the same response as before.  There is no answer to the financial theft of $[redacted]+ that remains in my Square account.  I do not care about the use of that account or that it is closed as this company is fraud.  You have stolen said funds and they still have not been released to my checking account.  To say I can refund to my buyers is out of the question when the products have been in their position for many weeks.  How could you possible think that is a choice to refund the buyers when they have the products we sold them?  Where is my money?  I am filing a report with law enforcement for the theft of my funds.  You are unprofessional scam company who steals money.  Financial crime is what you have done here.  
Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:My bank will not cancel the transaction or dispute the charge as I have stated many times. They have directed my to Square and informed me that I need to get my money back through Square. Square is telling me that I need to contact my bank. Everyone is pointing the finger and no one seems to want to help resolve this matter. Sincerely,[redacted]

Square has given multiple options on receiving a free reader. Square has no new information to provide at this time. To request another reader, please refer to the latest email correspondence between you and Square.

Initial Business Response /* (1000, 5, 2015/07/26) */
Hello,
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.

Hello [redacted], Thank you for sending this letter. Square reviewed this document and unfortunately, Square was unable to approve an early release of the held funds. The letter we received does not confirm the dispute was cancelled.Dispute Reason: U 70 EMV Liability ShiftDisputed Amount: [redacted]Payment Date: [redacted] at 4:21pm CDTPayment Card: [redacted]Due the EMV Liability Shift, your customer’s bank has resolved the dispute below in your customer’s favor. Please 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 customers. As a result, businesses will need to upgrade their payments terminals to accept chip cards. To make sure you’re covered, you’ll need a reader to process chip cards. Fortunately, 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 cards. Visit the Square Shop to learn more. The Square chip card reader: Accepts chip cards and magstripe cards. You can purchase yours online or drop by a local Staples or Best Buy to pick one up. You can find more information about the transition to an EMV payments system in Square’s Liability Shift Guide. If 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 counsel.

Hello,
Square took a look at your account and can see that there was an authorization on your card on 12/18 for $55.73. At that point, the funds were held, but not charged.
Typically, merchants will capture these authorizations promptly and your Cash balance will reflect the correct amount of...

funds. However, in this instance, the funds were captured later than the authorization, on 12/20 and 12/21 in two separate amounts.
The late charge caused a negative balance in your Cash App balance. While you are still able to receive funds with Cash App, any payments taken go towards the rectifying the negative balance.