Flick Enterprises Inc

Please refer to the following email sent on [redacted] 19:  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.

Initial Business Response /* (1000, 5, 2016/01/25) */
Square's approach to security is designed to protect both merchants and their customers. If you would like more information about the security of selling and purchasing through Square please see their privacy and security page...

here:https://squareup.com/help/article/3796 and the buyer agreement here: https://squareup.com/legal/buyer-agreement
Initial Consumer Rebuttal /* (3000, 7, 2016/01/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't see how the links provided pertain to my complaint. I understand that as a buyer, I make a transaction at my own risk. However, my complaint towards Square was not just about a fraudulent transaction. It was about the fact that a false merchant was created through Square to commit the fraudulent transaction. If there was fraud committed through a Square transaction, I should be able to go to the merchant to have this dispute settled and to inform them that their system was hacked. But the merchant that the transaction went through was a fraud itself. The merchant doesn't exist! After numerous emails back and forth with Square, and it was difficult to even get a response to begin with, they could not provide me or my bank with ANY information regarding this "merchant." What measures of security do you have when allowing someone to set themselves up as a merchant? This false merchant had no contact name, no phone number, no email, no website, and no physical location.
Final Business Response /* (4000, 15, 2016/02/19) */
Square's Account Services team has been notified of this seller. They will handle the situation accordingly.
Final Consumer Response /* (2000, 17, 2016/02/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Complaint: [redacted]
I am rejecting this response because:this is directing me to seek support from the same avenues I've already attempted to receive support. If they wanna reach out directly and make amends that's fine, but I'm not going to re-go through the process of submitting a complaint and going through emails for weeks again. 
Sincerely,
[redacted][email protected]

Initial Business Response /* (1000, 5, 2015/10/11) */
Hello,
Upon further investigation, a member from Square's Account Services team reached out to you through email on September 17, 2015 requesting additional information about your recent payment. Upon review of the information that was...

provided it appears that the account was returned to active status on September 29, 2015.

Hello S,
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 June **, these funds will be released on September 14.
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.

Initial Business Response /* (1000, 5, 2016/01/05) */
Square is unable to process refunds on behalf of merchants. If you have filed a dispute, Square will work directly with your bank once they receive notification of the billing dispute. Square does not have the rights to assist buyers with...

complaints or payment disputes.
Security is Square's top priority. If you would like more information about the security of purchasing through Square please see our privacy and security page here:https://squareup.com/help/article/3796
Initial Consumer Rebuttal /* (3000, 7, 2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted my bank the day of the issue, 09/18/15, and they tried to coordinate with you on the matter. However, you have responded with an illegitimate solution, costing me $200. [redacted] is the culprit, take the money from his square account and refund it back to me, or, contact wells fargo and let them know this was an issue on your companies part, not mine, and have my bank reissue me the money. The complaint number for Wells Fargo I filed is, Claim Reference Number: XXXXXXXXXXX.
Final Consumer Response /* (3000, 25, 2016/02/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Okay sounds good, I'll accept the proposed resolution once the money is refunded.
Final Business Response /* (4000, 27, 2016/03/01) */
Square is unable to provide an update on the status of this dispute, due to the rules and regulations set by the card issuing banks. Please reach out to Wells Fargo or your card issuing bank on the latest status.

Hello,The personal identifiable information provided does not match any of our merchants. 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. If you have any further questions please reach out to Square directly. [redacted]nTell us why here...

Thank you for writing in, You would need to contact your customer and charge the correct amount. If you ask your customer to check their credit card statement they'll see that you didn't charge them the correct amount.

Square is unable to reach out to the customer on your behalf. It’s important to note that with Square, a payment is never finished until you have gotten past the signature screen and received notification in the app that the payment was successful. A good way to confirm this is by checking your online Square Dashboard. Note that payment processing can be interrupted due to a loss of network connectivity from an incoming call, text message or weak network connection. When processing a payment, always make sure you have a strong 3G/Internet connection.

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, Lauren [redacted]

Initial Business Response /* (1000, 5, 2015/12/23) */
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
Complaint Response Date bumped because: Holiday

Complaint: [redacted]I am rejecting this response because: it's been about 2 months now and last time checked 2 months is way more than "10 business days"Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2016/01/11) */
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:[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2016/01/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is the problem with Square, there was no notice to me stating my account is under suspension! According to Square's merchant user agreement article 42 you must provide notice to me that my account is being suspended or terminated! Square didn't do either! Square should not be in business and you can't reach anyone at the terrible company!
Final Business Response /* (4000, 9, 2016/01/28) */
Square sent a notification email about your account status on September 15th, 2015 at 1:45 PM. 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."
Final Consumer Response /* (4200, 11, 2016/01/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square never sent any form of notification. I've emailed square and searched for a number to contact someone in them customer service department repeatedly. You can not get in touch with anyone at this company by phone! What legal business doesn't have a phone for clients to get in touch with someone at their company? This company is a fraud! It needs to be shut down, not going public!

Hello,
Square is sorry to hear about your experience and thank you for letting Square know about the fraudulent transaction. Square's team is working hard to stop this type of activity.Please contact your bank as soon as possible to dispute the charge. When the dispute is filed, Square will be...

notified and will work with your bank directly to resolve this.
Square is happy to cooperate in a formal investigation of these transactions - If there is an investigation being conducted by law enforcement on these transactions, please ask them to contact [redacted] to reach Square.

Complaint: [redacted]I am rejecting this response because the company continue to allow transaction that is fraudulent, and has not taken any action against the business to prevent current and future customers from being defrauded.
Sincerely,[redacted]

The decision by the card issuing bank is a preliminary decision. Your customer has a 60 period from the preliminary decision date to re-open this dispute.

Thank you for writing, you'll need to contact your credit card issuer and dispute the charge.

Initial Business Response /* (1000, 5, 2015/11/19) */
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, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have no idea why this company deactivated my account they sent an email asking for articles of corporation a invoice I sent the information to then as requested and had no more communication with them after that. I tried every process to call them I emailed them and no one ever responded to me. I had [redacted] that processed my credit cards for over 10 years I switched to square because I liked what they had to offer. so my company is not new in the credit card business. I would like to speak to a live person about the funds that they are holding I tried to do a refund but that did not work. if someone could help from square that would be great. This has been almost 48 days and no one has communicated to me from square. I have requested a access code several times so I could call I have had no notice that my account has even been closed.
I did do a refund from the square account over 2 weeks ago and it said the refund could take up to 7 days. Still my client did not get a refund back on his card
It was on XX-X-XX square took 1.00 out of my Bank Account and then made a deposit of 0.81 this they said activated my account and said I was ready to use Square. On XX-X-XX the next day I processed my client card for 3,008.81 and they show a deposit of 2,903.36 after their fee. Then I get a email saying they needed some info articles of corporation ,invoice so I emailed them the documents and never did the money get deposited into my account I tried calling and emailing never did get any response or did they say my account was closed so I don't understand how my account was open and closed all in 2 days.
Final Business Response /* (4000, 11, 2015/12/06) */
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.

A chargeback occurs when a cardholder contacts their bank and asks that a payment be reversed. When a cardholder initiates a payment dispute, the card issuer requires that the recipient return the funds for that payment to the sender. If this is your first dispute, Square will protect you by...

challenging it automatically on your behalf. If Square is unable to win this dispute, the full amount will be debited from your Cash app, which may result in a negative Cash balance. If this occurs, any new payments will be used to cover the negative Cash balance resulting from the dispute. We challenged the dispute with your sender’s bank, but unfortunately the bank has resolved the dispute in the sender’s favor. Because this resolution is final, we no longer have rights within the credit card networks to continue challenging this payment dispute. If you do not agree with this outcome, you must resolve it directly with the sender. Please note Square reserves the right to recover funds for disputed transactions. Excessive disputes may lead to termination of services.

Please refer to the latest email correspondence sent by Square on 5/15/**.Hello [redacted],To ensure the financial security of both you and your customers, we need to verify some information about your account.Unfortunately, we cannot deposit funds to your bank account until we verify this...

information, although you will still be able to accept payments using Square during this period. Our goal is to resume deposits to your bank account as quickly as possible. We’re sorry for any inconvenience this may cause.If you’re unsure why you received this email, please see this article (https://squareup.com/subscriptions/r?ee=e952a5e65460a1e6c21c25b5a55a900967ff098...⇄ verify your account, please do the following:Log in to the Square Dashboard (https://squareup.com/subscriptions/r?ee=2b9001b578d01eb4be436a2d3aafb5eda019239...⇄ "Begin verification" next to the alert icon at the top of the page.Please answer the verification form with as much detail as possible. You can upload documents directly through the questionnaire or fax them to us.Click "Submit."Once you've completed the form, you'll receive an email confirmation and should expect to hear back from us within one to two business days.If you have questions regarding the form, or are unsure of what documentation to send, please read our list of frequently asked questions (https://squareup.com/subscriptions/r?ee=3b9cfd7a62f55c60396432a6b5d561c4f3bd5fe...⇄ If you still have questions, please call +1-855-700-5000 and have your customer code ready: 8685-2047-4463. We're available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.We apologize for the inconvenience this may cause. We hope to make this process as easy as possible so you can get back to business.Thanks in advance for your cooperation.Square Account Services