Flick Enterprises Inc

Hello [redacted],We’re sorry to inform you that we have deactivated 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 our Payment Terms.We regret...

that you will no longer be able to process transactions using Square. In order to offset any potential refunds or disputes from your customers, 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 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.”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.AbigailSquare Account Services

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]

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]

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]

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.

Complaint: [redacted]I am rejecting this response because:
I was informed by Square when the one account disputed a charge (by mistake) that I was secured and protected for $[redacted] for any dispute
Square is withholding $[redacted] in deposits made prior to deactivating my account.
Thus, Square should be releasing all of the deposit amount now.
I expect my full deposit of $[redacted] to be transferred into my linked bank account by no more than 30 days from the deactivation date of Aug 18
Square did not inform me of any of these withholdings and deactivation policy until after they deactivated my account
Square should be showing me and Revdex.com of this deactivation policy PRIOR to enrolling as well as informing potential new customers
what are the reasons for deactivation in order to avoid it. THEY NEVER PROVIDED THIS INFORMATION PRIOR TO ENROLLING
Thus, the deactivation policy seems to be at the "whim" of the company? Not a fair business practice.
I expect Square to amend their enrollment agreement to include these terms for all new potential customers as well as transfer my $[redacted] to my linked account.
Sincerely,[redacted]

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.

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

For further assistance please contact Support at  800-700-6000 and enter customer code #[redacted]

Square told me my money would be deposited into my account within 90 days. It has been 92 days. This includes the 1-2 day timeframe from deposits. I would like my funds deposited immediately into my account of [redacted] I would like my $[redacted]+ deposited into my bank account.

This message originally read on [redacted]Please refer to the email that was sent to you on August 25: 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. Since your account was disabled on August 25, these funds will be released on November 23.

Hi,Thanks for reaching out. I was able to confirm these funds were directed to your linked debit card. If you can’t find them on your end, your bank can help us trace them.Please provide the information listed below to a branch manager or banker at your local branch to trace your payment, and be...

sure to have them check with their debit card operations department. It’s important to explain that the funds will appear as an unlinked merchant credit/return. This isn’t a missing ACH/direct deposit.Date: 7/24Amount: $[redacted]Your Acquirer Reference Number is: [redacted]Directed to a Card Ending: [redacted]NOTE: If your bank states the funds were rejected, we’ll need them to provide you with written documentation confirming this, as there’s no indication of a rejection in our systems. Once you receive a letter from the bank, please reply directly to this email with a scanned or photographed copy of the document as an attachment. With this information I can return these funds back to the sender.Please let me know if you have any other questions or have any trouble with your bank. I want to make sure we locate these funds quickly. Thanks for your help with this.

Please refer to the latest email correspondence sent by Square on 5/27/**. Hello [redacted]Thanks for writing in. 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 previous email we sent you, we will hold the remaining funds in your Square account for an additional 60 days from the date of notification in order to offset any potential refunds or disputes from your customers. Since you received this email on May 25, these funds will be released on July 24.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. You’ll receive an email as soon these funds have been sent to your bank.Please feel free to write in closer to that date and we can assist you regarding your funds.Thank you,

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.

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.

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]

Initial Business Response /* (1000, 5, 2015/11/02) */
Hello,
Upon further investigation, a member from Square's Support Team has been communicating with you regarding this matter. The last email that was sent to you on October 28, 2015 states: "I checked with out Finance team and can confirm the...

check will be printed on Monday November 2. I will then send it to you via FedEx overnight delivery. There was a delay in printing the check due to a change within of systems."
If you have any additional questions regarding this matter please reply to the last message that was sent to you by the member from Square's Support Team.

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.

Hello,
Square debited your account for these disputes 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."

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.