Flick Enterprises Inc

Please refer to the following email sent to you on [redacted] 10:
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 36 of the Square Payment Terms.We 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.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."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

Complaint: [redacted]I am rejecting this response because the business has just copied in the articles of his agreement and did not clarify what fraud, in case of any, had occurred. No one from customer service is available to declare or advise the broken or the dishonored terms of the agreement with Square.  
Also, I am asking for a full refund of the Square Reader purchased from [redacted], as it can not be used anymore. 
Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/08/03) */
Hello,
Upon further investigation, Square's Compliance Team reviewed your account and "found a persistent pattern of transactions generally associated with high-risk activity" and chose to deactivate the account.
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. Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days (but no less than 150 days), from the date of the notice sent to you on June 8, 2015.
For security purposes, Square cannot disclose further details regarding the reason for account deactivation.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There has been absolutely no violation on my part of Square terms. There has been no unacceptable credit or fraud risk; there has been no false, incomplete or misleading information, or any illegal conduct! There has been absolutely no "high risk activity." If there had been, provide PROOF of such activity. Keeping my funds was randomly decided, without merit, without cause. There have been no complaints by my clients: for any of the funds I processed. There is absolutely no reason to continue keeping possession of my money. Because of this, there is no reason for me to believe the money will ever be returned. The money in my account, as well as others' who are suffering the same thievery, will be kept indefinitely, in other words: stolen by the administrators at Square. Imagine their profits!
Final Business Response /* (4000, 9, 2015/08/18) */
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. Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days (but no less than 150 days), from the date of the notice sent to you on June 8, 2015.
For security purposes, Square cannot disclose further details regarding the reason for account deactivation.
Final Consumer Response /* (4200, 11, 2015/08/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
1. Firstly, the "Square Merchant User's Agreement Article 42" which has been quoted in Square's response is not available anywhere to Square users upon signing up.
2. Secondly, the "Square Merchant Users Agreement Article 42 a: violation of terms of agreement" were never violated on my part. Square has never been able to provide any documentation that they were.
3. Article b: "pose an unacceptable credit or fraud risk." Again, there is no proof or documentation that there has been any credit or fraud risk on my part.
4. Fourthly, Article c: "provide any false information or otherwise engage in fraudulent or illegal activity." Again, I demand proof that I have engaged in such activity.
There has been no unusual or high risk activity associated with my account. I therefore demand the release of my money.
Lastly, Square's statement: "For security purpose, Square cannot disclose further details regarding the reason for account deactivation."
Once again, I demand "details," which they know, and I know, do not exist.
There have never been any complaints from any of my clients who provided monetary compensation for my services. I do not want to "reactivate" my account with square. I simply want them to release my funds that they have had no reason for taking from me. Square has stolen my money.

Initial Business Response /* (1000, 5, 2015/08/14) */
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.
Initial Consumer...

Rebuttal /* (3000, 7, 2015/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response seeks further information and does not include anyway to make me whole again.
I was a victim of fraud and was further victimized by "Square"
My account info was
[redacted]@aol.com
[redacted]
Final Business Response /* (4000, 9, 2015/09/02) */
Hello,
Upon further review, Square was unable to successfully debit your account for the funds that were disputed, so even though the disputes were resolved in your favor, there were no funds to return. The failed attempts occurred on June 30, 2013 for $2,625.75, July 2, 2013 for $3,890.00, July 3, 2013 for $2,625.75, July 8, 2013 for $3,890.00 and July 12, 2013 for $2,431.25.
Furthermore, Square emailed to notify you of the disputes and payment holds. The first of these emails was sent to you on June 30, 2013.
If you have any further questions, please reply directly to the email sent by Square regarding this matter. Square strives to respond to all inquiries within 24 hours.
Final Consumer Response /* (4200, 13, 2015/09/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Any replies to Square by email go unanswered. By this last message they now say was resolved in my favor, yet my bank account was withdrawn by Square to be in the negative of approximately $2XXX-XXXX, including the balance they stole as well.
That account is still in the negative with interest accruing.
I read this message that is clearly asking to "debit" my account and not "refund".
Yet resolved in my favor?
Crooked business practices.
Withholding funds and collecting interest on money stolen!
Return the funds via check to
[redacted]
[redacted] XXXXX
(XXX) XXX-XXXX
Again. Square debited large sums of money from my account without my knowledge or consent, and now admits they were to return the funds, yet have not done so in over a year.
They now want another account so they can "debit" (steal) some more?
THAT''S CRIMINAL!

Initial Business Response /* (1000, 5, 2015/10/11) */
Hello,
Square's Support Team currently only communicates via email in order to maintain an accurate record of all correspondence and best explain policies and procedures. Square strives to respond to all inquiries within 24 hours. If you have...

additional questions about your Square account, Square recommends searching the online Help Center, found at: squareup.com/help . The Help Center contains many troubleshooting tips as well as detailed articles that explain policies and procedures.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is just a ridiculous, generic response from Square. It is in NO WAY an answer to where my money is. I made over $200 in credit card sales a month ago and my deposit has not posted to my bank and the status on my Square account says "pending". I'm only asking that they release the money I earned to my bank account. I keep getting the same computer generated, generic response similar to the one above. It keeps directing me to their website. I've visited the website...several times! I've emailed them asking the same question over and over, which is basically why are they withholding the money my customers paid me with their credit cards through Square. All I want is for them to post my money to my bank account. Please someone help me! I'm being scammed and there seems to be nothing I can do about it.
Final Business Response /* (4000, 9, 2015/11/02) */
Hello,
Upon further investigation, it appears that these funds have been deposited into the bank account linked to your Square account.
If you have any additional questions, please email Square's Support Team. Square strives to respond to all inquiries within 24 hours. If you have additional questions about your Square account, Square recommends searching the online Help Center, found at: squareup.com/help .

Please refer to the following email sent on [redacted] 22: Hello [redacted],We're sorry to inform you that we are deactivating your account. We reviewed your account and found that your Square account processed an excessive amount of prepaid card transactions, which violates the Square Seller Agreement.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 180 days (but no less than 150 days), unless circumstances require that we extend this reserve period. If 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 responsibilities. For an explanation of how Square protects your personal information, please visit the Square website to read our Privacy Policy.

Initial Business Response /* (1000, 5, 2015/09/28) */
Hello,
Upon further investigation, upon signup, merchants are automatically enrolled in standard pricing. The pricing is the following:
2.75% for swiped card transactions, dipped chip card transactions, paid Square Invoices, and online...

orders
3.5% + 15 cents for manually entered transactions
The higher fee for manually entered transactions is due to the greater risk involved with these payments, as neither the card nor the buyer have to be present for this type of payment to occur.
Every card accepted has the same rate, and fees are taken out of the total amount of each transaction, including tax and tip.
If this has not been the case, please contact Square through email for assistance. Square's Support Team currently only communicates via email in order to maintain an accurate record of all correspondence and best explain policies and procedures. Square strives to respond to all inquiries within 24 hours. If you have additional questions about your Square account, Square recommends searching the online Help Center, found at: squareup.com/help . The Help Center contains many troubleshooting tips as well as detailed articles that explain policies and procedures.

Initial Business Response /* (1000, 5, 2016/02/02) */
Please refer to the latest email correspondence between you and Square from 1/28/16. The message states: " I rechecked your account and can confirm that all necessary actions to prevent any further unauthorized use of your information have been...

taken. I can confirm that there is currently no account associated with your email address. In additional I was unable to view the attachment please feel free to resend the document in as a photo document or copy and paste it into the email if you have any additional concerns."
Initial Consumer Rebuttal /* (2000, 7, 2016/02/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/02/01) */
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:
Initial Consumer Rebuttal /* (3000, 7, 2016/02/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I gave what information was asked for. I had only three transactions and do not understand how in three transactions it was decided that my account was high risk. There was no prior warning to let me know that my account was being investigated unless the decision was based on the ONE last transaction so that I could have known to use another service or asked for another form of payment. "Final" or not, this decision and the way Square Inc. went about it are unethical, unprofessional and UNFAIR if not illegal. Had Square Inc. warned me, then I would have closed it myself and saught another form of payment. "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to you." Any reason or no reason? That sounds like shady practices to me. Moreover, the agreement says "upon notice to you" I WAS NOT NOTIFIED that my account was terminated UNTIL 4 days AFTER my account was already terminated. AND just because you decided your "decision is final" does not mean you CANNOT change it. That means you CHOOSE NOT TO and that is the same as Theft. I am a busy man and I really really don't want to have to spend my days and nights on social media sending copies of the hundreds of similar complaints to all the news stations or camping out on their front door to be heard. Excersize your power to unfinalize your decision and give me the money that you know is rightfully and lawfully mine TODAY PLEASE and save us all the trouble of having to prepare a public statement. How much MORE money will this company have to spend to explain this away for the media. Think about it and do the right thing by your customer please. I DO NOT ACCEPT THIS EXPLANATION AND RESPECTFULLY DEMAND THAT SQUARE INCS BUSINESS PRACTICES AND THEIR SO CALLED LEGAL AGREEMENT BE LOOKED INTO AS UNETHICAL AND POSSIBLY UNLAWFUL.
Final Business Response /* (4000, 21, 2016/03/15) */
Please refer to the email correspondence sent on 1/12/16 about your account status. The message states: "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." Square does not have new information to provide at this time.
Final Consumer Response /* (4200, 23, 2016/03/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The people in charge of this whole fiasco know full well that there was NO QUESTIONABLE activity when it came to my account and my ONE transaction. Weather the decision is final or not, I think it only fair and ethical to waive the transaction fees originally charged to my account. In this day and age of advanced technology, I'm sure they have someone who can manage that. I have had to beg, borrow and scrimp up up the money to cover for the money that square has put on hold FOR 90DAYS! Not to mention the strain it has put on my relationship with my fellow workers both on a personal level as well as on a business level. I will not now nor will I ever "accept this business proposed resolution" such as it is. they have not tried in the least to resolve ANYTHING. They just continue to cut and paste the same rubish from the agreement. NO! I DO MOT ACCEPT. WILL THEY ACCEPT MY RESOLUTION? Waive the fees. That is my final and only proposed resolution.

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.

Complaint: [redacted]
I am rejecting this response because: I have already contacted Square multiple times by email and any customer support person worth anything would easily be able to find a company called [redacted] that's had its account deactivated, and see that those emails are there. This feels like an automated message and a stall tactic, and the link to their support page - which obviously would not and does not have a solution to this problem - is insulting.
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because:  This is the same exact response I first received when our account was deactivated, there was no resolution then or now.  Also I learn that the 855-700-6000 number is only available to businesses that have "active" accounts.  If your account is deactivated by Square there is no way to contact these people either by phone or e-mail.  Believe me I have tried, I want the money held.  I earned it, they didn't.  I have also learned that many people have waited over a year and still not received the funds being held into their account, so the "90 days funds held" is also an inaccurate statement.  Having had a solid business for over  11 years, I would like to know what the high risk factor was we were labeled with. 
I am surprised that any business that wants to be considered a credible business would have virtually  NO CUSTOMER SERVICE.  Having been self employed our entire life, we find that customer service and how you related to your customers needs are the most important aspect of any business. 
I would truly like to see their A+ rating lowered as I feel they are continually taking advantage of businesses, especially small ones, and are not honest in their dealings or communications.
 
 
 
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
I went through FULL payment process AND received a message in the app that the payment WAS successful, and THEN your app froze!!! I also had to app set to offline mode which meant if there was no internet, then the payment would go through when the phone reconnects to wifi, and there was internet where I was at, but somehow my payment was still voided??? I've done everything right. I didn't get paid because your app is flawed and now you're making up excuses not to pay me. This is pathetic, send me my $[redacted]!!!!!!!!!!!!!!! This is not right at all!!!Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
 
I have already tried to request money to the sender, but I did not get a respond. 
So... I lost $[redacted] because Square cancelled the transaction, and Square will not help me for the money I lost? 
If you cannot help me get back money from the sender, would you reimburse the money? 
Since the sender does not respond to me anymore, I do not think requesting money will work. 
Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/12/14) */
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
Initial Consumer Rebuttal /* (3000, 11, 2016/02/22) */
As it stands, SQUARE owes me $7,000 and has yet to return my funds.
What or how do I go about finding a resolution?
And moreover, why has no one responded to my inquiries or calls?
[redacted]
XXX XXX XXXX
Final Business Response /* (4000, 14, 2016/03/09) */
Square has released the hold and the funds will be available in your linked bank account in 1-5 business days. Please refer to the latest email correspondence between you and Square for any additional questions.

Complaint:[redacted]I am rejecting this response because: the urls that I outlined in my request still contain misleading information that is false advertising. The resolution is to fix the issue - or - remove any mention of "round trip" syncing or anything to do with more than one way snycning. Keeping the current language is false advertising because those features do not exist.Sincerely,[redacted]

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

There are no funds pending on the account for the email you provided. If you are inquiring about another account, 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.
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After further review of your account we’re able to see any charges on 6/10/[redacted], we recommend you contact your customer and reprocess the payment for $[redacted].

You agreed to Square's Seller Agreement upon signing up for Square. 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."