Flick Enterprises Inc

Hello,
 
Square sent you the following email regarding your account status and any pending deposits, on January 2;
"Our Account Services team has reviewed your account and determined that we are no longer able to support processing your payments. Starting today, your account with Square is...

deactivated.Any funds currently in your account balance will be released to you on January 02, 2018 and will be available in your bank account within two business days.
Please be advised that the release date and amount available for release are subject to change based on factors that include receiving additional chargebacks after this notice. In addition, chargeback activity on payments unrelated to these funds will result in additional debits from your linked bank account.
For payments that haven’t been deposited (generally in the last few days), you may consider having your customer pay you by another method (cash, check, etc.) and refunding the payment(s) back to the original payment card(s). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here (https://squareup.com/help/us/en/article/5060-process-refunds).
For more information about our policies, please review the Square Payment Terms [redacted]
We appreciate you considering Square for your processing needs."

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.

Initial Business Response /* (1000, 5, 2015/09/09) */
Hello,
Upon further investigation, a member from Square's Support Team reached out to you on September 3, 2015 regarding this matter.
The message stated: "Both transactions are posted on 8/18. It is your bank that chooses in what order...

credits and debits appear on your statement. You were credited once and debited once because we couldn't complete your request. No funds appear to be missing."
If you have any additional questions regarding this matter please reply directly to the last message that was sent to you by Square's Support Team.

Complaint: [redacted]I am rejecting this response because:
I paid for this device with the intentions of using it at my business, after my first weekend using it the account was deactivated by you with no explanation. You cannot sell something and not allow someone to use it without an explanation as to why. I also recently found out one of my customers from that weekend also had $[redacted] taken out that I have not received in my account. This looks bad to my business. I have not been able to contact your customer service and have not been offered anything for my loss of time or money.
Sincerely,[redacted]

Please refer to the latest email correspondence sent by Square on 5/9/16. 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 ([redacted]).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 ([redacted]).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

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Square is sorry to inform you that Square is deactivating your account. Square reviewed your account and found a persistent pattern of transactions generally associated with high-risk activity.
Square regrets 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 Square extend this reserve period. If you do not want Square to reserve your funds, you may refund the payment back to the cardholder account.
Square Compliance Team
This 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/help
Privacy 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, 2015/11/11) */
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, 7, 2015/11/12) */
Square has emailed me and said that they have made the final decision to deactivate my account. With no reason as to why. In the email it said to issue refunds which I did and it said it will take to business days to receive the refunds... I have a bad feeling that they will not refund the money..
________________________________________
Final Business Response /* (4000, 9, 2015/11/24) */
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.

This message originally read on 10/26/[redacted] Cardholders are afforded the right to issue a billing dispute for any transaction processed by their credit-issuing bank.  While Square does its best to represent you in challenging the chargeback with the information provided, your customer's card-issuing bank is the ultimate arbiter of each dispute.  Square debited your account for this dispute in accordance with Article 28 of the Square Seller Agreement: "For any transaction that results in a Chargeback, we may withhold the Chargeback amount in a Reserve. We may debit the amount of any Chargeback and any associated Fees, fines, or penalties listed in the Fee Schedule or assessed by the Association or our processor from your Square Account (including without limitation any Reserve), any proceeds due to you, your bank account, or other payment instrument registered with us. If you have pending Chargebacks, we may delay payouts from your Square Account. Further, 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 under this Agreement until such time that: (a) a Chargeback is assessed due to a Buyer's complaint, in which case we will retain the funds; (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. If we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of us in connection with the collection of all Square Account deficit balances unpaid by you." For more information on Square’s Chargeback Protection please visit https://squareup.com/help/us/en/article/5394-square-chargeback-protection.

Please refer to the following email sent on [redacted] 8: 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

Final Consumer Response /* (2000, 6, 2015/10/21) */
Square finally paid me the money they owed me. I was finally able to "trick" the system into connecting me with a live person. Once I called to complain, they finally advised me that I needed the further verify who I was. I found the process...

extremely insulting as it is business that hired them to process credit card transactions. I still think the public should be warned about these very questionable business practices. Thank you for your help. The issue has been resolved.
[redacted] B.

Initial Business Response /* (1000, 5, 2015/10/19) */
Hello,
Upon further investigation, a member from Square's Support team reached out to you through email on October 2, 2015. The email stated: "once a payment is initiated and the money leaves your account, Square Cash recipients can expect to...

see the deposit reflected on their card statement within 1-2 business days. Please ask the recipient to check their bank statement for a credit labeled "SQC*."
Additionally, the the email states: "If the recipient is still having trouble finding their funds, feel free to reply to me here with their email address - I'd be happy to reach out to them directly." If this matter has still not been resolved please reply to the email sent to you on October 2, 2015 for further assistance.

Square can confirm that this payment was successfully sent and delivered to your linked debit card as a credit. These funds were not sent via ACH. Instead, Square credited your debit card via EFT. [Your bank should research these funds the same way you would research a debit card refund that...

didn’t credit to the account holder as expected. If you are still having trouble with locating the payment, feel free to reach out to Square directly to trace the payment. https://squareup.com/help/us/en

Final Consumer Response /* (2000, 6, 2015/08/26) */
They deposited the money yesterday after reaching out over Twitter. Problem is resolved.

Complaint: [redacted]
I am rejecting this response because: there's no reason they can't find me or my complaint. I've attached my emails with Square that show they refuse to get on the phone, and I've highlighted where they've copied and pasted a few stock answers they have that gives the run-around to the people seeking support, while simultaneously not helping.[redacted]
Sincerely,
[redacted]

Please refer to the following email sent on [redacted] 28:  Hello, Square is sorry to inform you that Square is deactivating 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 our policies, you can review section 36 of the Square Payment Terms. Square regrets to inform you 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 Square 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, Square's decision to deactivate your account is final. Due to security reasons and the obligations of Square's agreements with card networks and other financial institutions, Square cannot reverse this decision and are unable to provide additional details.

Hello [redacted]We're sorry to inform you that we are deactivating your account. We reviewed your account and found that your business is prohibited by Section 6 of the Square Seller Agreement, which means we cannot accept payments related to your business.We regret that, starting today, you will no longer be able to process transactions using Square.Your outstanding Square balance will be paid out per our normal payment schedule.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/help (https://squareup.com/subscriptions/r?ee=f041ff272eab75be5eecbfb66709a644daab926...⇄ 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 (https://squareup.com/subscriptions/r?ee=b9df8e9a4529b4b785280c63b03d9ae2e930930...⇄

Please refer to the latest email correspondence sent by Square on 5/22/**. 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

Complaint: [redacted]I am rejecting this response because:
The original transaction was in September 2016.  I was advised that the funds WOULD be released[redacted].  I will copy the two emails I have received below.  Now you're telling me it's due to potential chargebacks.  Stop changing the story and release my funds.
Sincerely,[redacted]
 
RECEIVED [redacted]
Hello [redacted],
Thanks for writing in. Currently phone support is only available for customers with an active Square account. For more information regarding account terminations, please see our Seller Agreement.
We understand that it can be frustrating to have your account deactivated. Unfortunately, our review found that we cannot support any Square accounts for you or your business.
As stated in the deactivation notice, we will hold the remaining funds in your Square account for 90 days from the date of deactivation in order to offset any potential refunds or disputes from your customers. Since your account was disabled on [redacted], these funds will be released on Wednesday, [redacted] 11, [redacted].
Depending on your bank’s policies, you should see these funds one to two business days after we release them to your linked bank account. We will notify you as soon as we deposit the funds.
If you don’t want to wait 90 days for your funds to be deposited, you may consider refunding the payments back to the original cards and seeking an alternate form of payment. Please note that all refunds must be issued within 60 days of the original transaction date.
To refund a payment, please log in to the Square Dashboard from a computer.
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.”
It usually takes two to seven days for refunded payments to get credited back to the original payment card. The full purchase amount, including the fees, is always returned to your customer.
?We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.
GeraldSquare Account Servicesref:_00DE0Y7ru._5000LizVKm:ref
RECEIVED [redacted]
Hello [redacted],
We have revisited your account and have decided to place an extension of the hold on your account for 60 days. These funds are due to be released on [redacted] 12. We are not able to provide specific details around the reason for the extension.As mentioned in the deactivation notice, hold periods are subject to change based on any of the following:
Chargebacks received after the deactivation of your account
A recent inquiry by one or more of your customers about a payment you’ve accepted
Any activity deemed high-risk
For more information about our policies, please visit section 37 of the Square Payment Terms.Sincerely,Square Account Servicesref:_00DE0Y7ru._5000LjwEQd:ref
Thu, Jan 12, [redacted] at 11:08 AM
Thu, Jan 12, [redacted] at 11:08 AM
Thu, an 12, [redacted] at 11:08 AM

Thank you for writing in, based on your reply "I am rejecting this response because: the money has not returned to [redacted] bank and it has been 3 months since the transaction. They need to refund her because her bank states it went into my account. " If the funds went into your account why would Square need to issue a refund?

Hello,
In order to maintain a secure processing environment, Square reviews all Square Cash payments and may return a payment back to the original sender for security purposes. In these cases, the funds are automatically returned to the sender’s bank account within 1-2 business days.