Flick Enterprises Inc

Hello [redacted], Thank you for reaching out.Looking at the bank online portal the payment dispute is still showing to be active with your sender's bank.  Looking at the attached files they don't clearly show that your sender's bank has cancelled the payment dispute on this transaction. If...

a dispute cancellation letter cannot be obtained from your customer’s bank, please provide a copy of your customer’s bank statement. The statement must show the following:the original charge, the provisional credit and the proceeding debit applied to the credit card following the cancellation of the disputePlease ensure the statement displays the card holder name and last four digits of the payment card.If you receive a copy of your customers statement as outlined above, please reply directly to this email with it attached in either PDF or JPG format. If we are able to determine the case has been officially canceled, we will be happy to close the dispute for you.[redacted]Square Disputes

Complaint: [redacted]I am rejecting this response because: Square is not responding to the complaint! They are repeteing the same thing over that was said to me on the phone, they reading the respond sheet. There system allows for delayed clicks on the slow internet connection to issue a refund!! This is a bad system flaw!! This needs to be fixed!!! Sincerely,[redacted]

One of the payments may be a pending charge, but if that pending charge does not disappear, then I recommend disputing one of the payments with your bank. Looking at your history, there is only one payment sent for $[redacted].

Hello, We’re sorry to inform you that we deactivated your account. We reviewed your account and found a pattern generally associated with high-risk activity. Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 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 apologize for any inconvenience this may cause. Sincerely,

We're sorry to inform you that we are deactivating your account. We reviewed your account and found a persistent pattern of transactions generally associated with high-risk activity. 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 180 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.

Square was not able to locate the account you are referring to. 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, the business name and activation name used to open the account. Once Square receives this information, Square will be able to investigate further.

Please see last response, Square doesn't release policies and procedures beside what is posted on our TOSV, thanks

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. However, the response is the same response that was provided tome prior to me filing this complaint. the over all process on how this was handled is what I have an issue with.
Sincerely, [redacted]

Hello,
To investigate your claim further, please reply to the email sent to you by Cash Customer Support, asking for the following;-Date(s) you contacted the Merchant/Recipient-Merchant/Recipient’s response and resolution (email content, receipts, etc.)-Method used to contact the Merchant/Recipient...

(email, phone, social media, etc.)
Once Square receives this information, we will be able to investigate your claim further.

Square is sorry to inform you that Square is deactivating your account. We 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 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.

Square has confirmed that the account Dugger Concrete Inc. associated with [redacted] is connected to Homeowner's Choice Concrete. Currently this investigation is closed and this decision is final. If you would like us to reopen this investigation, please provide government issued...

formation documentation certifying that these are separate entities which are permitted to commingle funds to [redacted]Please review section 16 of Square’s Payment Terms, which states that Square may offset liability between connected accounts. Most often, this liability is due to chargeback related negative balances which have gone unaddressed.

Complaint: [redacted]I am rejecting this response because: 
Square has no reason to withhold the remaining $[redacted]. The customer who paid me via Square on this invoice was a repeat customer and someone I know personally. Square terminated my account without notice and still accepted the transaction, therefore collecting the credit card fees, yet holding my money for a further 90 days. I received no phone call or email notice to let me know that this was taking place. I would expect to have 100% of my funds released ASAP.
Sincerely,[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.

Square has checked with it's engineers and confirmed Auto Cash Out was turned on and a U.S. Bank card was linked at the time of the payment. Unfortunately, Square is not able to initiate disputes with a customer's bank on their behalf. Additionally, as a financial institution, Square has strict...

banking regulations that Square must adhere to, so Square cannot make unauthorized debits to a user's account without the appropriate avenues having been taken. When receiving funds, it is the user's responsibility to ensure that they have checked their settings before funds are sent. Since these funds have been successfully delivered to this bank and because Square cannot make an unauthorized debit to their account, you will need to have the sender work with their bank directly on initiating a dispute.

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

Hi [redacted], Here are the answers to your questions: Amount of the transaction = $[redacted]Date of the transaction = Saturday, 30 July [redacted]Last 4 digits of the card charged = [redacted]Card brand = [redacted] Please feel free to call me on my mobile if you have any...

questions. Regards,[redacted] | Home +1[redacted] | Mobile +[redacted] | Email: [redacted]

Hi, Thanks for reaching out. So that I can look into this for you, I’ll need you to provide the following information: The email & phone number that was used to open the Square account
Once I receive this information, I’ll be able to investigate further.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Please refer to the email that what sent on [redacted] 22: Due to the status of your Square account, Square can answer any questions or concerns you may have regarding your pending payment through email as phone support is only available for customers with an active Square account. Square would...

be happy to work with you to resolve this issue. After reviewing the information, Square will be releasing $[redacted] (25% of the total balance) of your funds to your linked bank account today. You should expect those deposited within 1-2 business days. In order to offset the potential for chargebacks, Square will be holding 75% of your current Square balance for 90 days. This figure amounts to  $[redacted].  Assuming there are no chargebacks, you will receive the remaining balance on [redacted].

Initial Business Response /* (1000, 5, 2015/06/21) */
Hello [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.
Please note that the issuing banks and card networks will hold a merchant liable for returning funds to the cardholder should they accept payment on a stolen credit card.
Square attempted to debit 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."
Article 27 further states that: "The amount of a transaction may be reversed or charged back to your Square Account (a "Chargeback") if the transaction (a) is disputed, (b) is reversed for any reason by the Network, our processor, or a Buyer or our financial institution, (c) was not authorized or we have any reason to believe that the transaction was not authorized, (d) is allegedly unlawful, suspicious, or in violation of the terms of this Agreement."
Upon further investigation, it appears that Square's financial services team emailed you on June 12th, 2015 to assist you in addressing the negative balance on your account. If you have further questions about the reason for the billing dispute or about paying off the owed amount of $2,412.35, please reply directly to that email.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company failed to include the sherriff office report of theft by deception and the other documents that were submited to the claim. They lied and promised to insure my lost and charged me close to 100.00 for the transaction. Their is a conflict of interest on Squares' part because they told me something different in writing and then turned around and did something else to throw me under the bus. Paperwork will be forthcoming.
Bus.
Final Business Response /* (4000, 10, 2015/07/06) */
Hello,
Upon further investigation, I see that a representative from Square emailed you on June 12, 2015 to confirm that they had received the information you had provided and that it would be on file to represent you in the case. You will be notified by Square once a decision on this matter has been received.
As was previously mentioned, cardholders are afforded the right to issue a billing dispute for any transaction processed by their credit-issuing bank. Please note that the issuing banks and card networks will hold a merchant liable for returning funds to the cardholder should they accept payment on a stolen credit card.
With regards to the email sent to you on June 8, 2015, please reach out to Square by replying directly to the email that was sent to you. There you may ask for more information about Square reimbursing you for processing fees up to $1,000.00.