Flick Enterprises Inc

Complaint: [redacted]I am rejecting this response because:I am not worried about the person who said they were not there on the night of [redacted] , I am wanting to know where rest of the money is.  I did a benefit for a ** year old boy who has had a bone marrow transplant on Friday [redacted]th.  The first complaint I made to you was because they were holding funds for 90 days. The total was $[redacted]  minus what square takes plus the $[redacted] that the person disputed.  So somewhere there is $[redacted] that should of been in my account on [redacted]th which was 90 days.  If this money is not dispersed by this Friday I will get in touch with my lawyer.  I do not want to do that if I don't have to as it just takes more money from a family who are struggling to pay their bills. Please help me get this taken care of. How can a business be run like this?  I gave them all the information they asked for and still held these funds. Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because: I was told by a Square Cash Representative that he couldn't do anything due to the funds being taking out of my account, that I would have to contact Square Cash...I did that and no one has done anything to fix this issue!Sincerely,[redacted]

Square can confirm the refund was initiated and is currently pending. Refunds can take up to 7 business days for Square to process. Once that process is complete, it is up to your customer’s card-issuing bank to post the funds to their account. Depending on the issuing bank’s processing speeds, the...

refund should show in your customer’s account 2-7 business days thereafter.Thank you for your patience.

Complaint: [redacted]I am rejecting this response because:I created an account with Square. I processed 1 credit card payment for $[redacted]. I processed it manually, which was an option given. Our clients sign a credit card form giving us authorization to charge credit cards once a month for their website hosting with us. They are not physically in front of us to sign for it. That is why we did it manually. 
The next day I went into our square account and it said that my account was deactivated. The funds have yet to be transferred into my account. I never received any communication from the company in regards to why my account was terminated. I then called their 855 number and you can't talk to anyone unless you log into your account and go to square.com/code. They give you a call in code however if your account is deactivated there is no way to get a code. I had to set up a decoy Square account in order to get a call in code. In the mean time I sent an email to Square asking what happened. I received a message (which I am attaching) showing that someone would get back to me shortly. No one ever did. I went to their Facebook page as well and was talking to someone on messenger who said someone would contact. No one has ever contacted me.
I called in with the decoy code that I received and was told that they would escalate it to the account department and that someone would get back to me soon. It has been now 3 weeks. You still have my money. My client is mad at us and doesn't want to do anymore business because of this. I am frustrated and want to talk with someone to straighten this out. Why was my account deactivated??
I am also attaching the signed credit card form by our client for the [redacted] we charged.
I want the following:
- To find out why my account was deactivated
- For square to implement a better system for customer service. We should be able to contact the company regardless if our account is deactivated or not. They make it impossible to talk to anyone.
- I want my money deposited into my account immediately
- And I want my account reactivated.
Thank you.Sincerely,[redacted]

Please refer to the latest email correspondence sent by Square. The message states: “We’re sorry to inform you that we deactivated your account. We reviewed your account and found a pattern of transactions 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. If you do not want us to reserve your funds, you may refund the payment back to the cardholder account.”

Hello,After a recent review of your transfer of funds, Square detected the use of Square Cash for activity in violation of Square’s Terms of Service. As a result, you will no longer be able to use Square Cash to send or receive payments.You can visit the Square website for more information regarding...

the Square Cash Terms of Service[redacted]

Square is unable to release the funds early and will be held for 90 days. 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:

Complaint:[redacted]I am rejecting this response because: I Want My Money Now, There Is No Valid Reason For Square To Hold The $[redacted] I Processed With Them For 90 Days. Square's Policies Are Dense And Makes Absolutely No Sense. This Entire Transaction Could Have Been Avoided If Square Would Have Screened Me And My Business Before Allowing Me To Sign Up And Process Transactions. Square Says Activity On My Account Is Associated With High Risk, But I Have All The Proper Documentation Including An Electronically Signed Credit Card Authorization Form From My Client To Process The Transaction. Square Could Have Even Contacted My Client To Make Sure That They Are Approving The Transaction, Instead The People At Square Apparently Sit Around And Decide To Cancel Peoples Merchant Services Because They Feel Like It, Which Is Unfair.Sincerely,[redacted]

Please refer to the latest email correspondence sent by Square on [redacted]. 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 (https://squareup.com/subscriptions/r?ee=39148d2b52cf8d49380aed1c05cea44a8315ea0...⇄ 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 (https://squareup.com/subscriptions/r?ee=d7414c3a5d78a208969ff04b1334e2e6503e71d...⇄ 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.

Please refer to the following email sent on [redacted] 6:  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

Your issue has been escalated to Square's Dispute and Recovery team. Keep an eye out for a response. You can also reach out to Square directly. https://squareup.com/help/us/en

I have got nothing but empty , fake , robot recited responses from these crooks that call themselves "processors" they keep giving excuses and the last one I received stated they couldn't find the transaction even though I emailed them the confirmation email and the merchants email and account name , you people should not be allowed to continue business like this , what you are doing is nothing more than aiding fraud and trying to sweep the issue under the rug.. First they tell me to contact my bank even though that's what I did in the first place and they refused to cooperate with them which is why they were unable to retrieve the funds and my bank account was put into the negative standing over 3 months later , then they tell me to file a complaint with law inforcement but they know law inforcement will not pay a civil matter like this any attention again nothing more than an attempt to shoo me away so they don't have to do the right thing , I assure you I am not going to let this go and I'm keeping a record of each and every attempt by square to blow this off and neglect the issue , you cannot do this to people.
 
 
 
 
Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/08/01) */
Hello,
For security purposes, Square will occasionally refund a Square Cash payment back to the original sender.
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.

Hi [redacted], Thanks for reaching out. I look into your account and noticed that you free processing expired on [redacted]. Even though you still had free processing remaining, you had 180 calendar days to use your free processing when you sign up. Unfortunately, I can not extend the time limit when...

the free processing expires. As always, please feel free to write back in if you have additional questions. All the best,

Hello,
On January 28, Square received notice from your card-issuing bank that this transaction had been disputed. Square will work directly with your card-issuing bank regarding the billing dispute.Please note that the dispute process can take up to 90 days to resolve.Your card-issuing bank will be...

in touch once an official resolution is available.

Square located the transaction you mentioned, and Square can confirm it’s been voided. That means the payment was not successfully captured and you were not charged. It’s important to note that a voided payment may show as a pending transaction on your bank statement but will typically drop off...

within a few business days. Square has already sent a void notification, and it’s your bank’s responsibility to release any hold on the pending funds. If you are having trouble with locating these funds, feel free to reach out to Square directly. https://squareup.com/help/us/en

Complaint: [redacted]I am rejecting this response because: they keep telling me this it's been over 2 months now. I WANT SOMETHING DONE IMMEDIATELY!!!Sincerely,[redacted]

Initial Business Response /* (1000, 10, 2015/08/11) */
Hello,
A message was sent to you on July 10, 2015 stating that your account had been reviewed and that a recent payment was in violation of Square's Terms of service. The message also stated: "Under our Terms of Service, you cannot process...

prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square".
Upon further investigation, a member from Square's Account Services Team reached out to you through an email sent on July 13, 2015 stating that your account had been returned to good standing and re-enabled to accept regular deposits to your linked bank account after you had refunded the payment found to have been in violation of Square's Terms of Service.
Initial Consumer Rebuttal /* (3000, 12, 2015/08/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This does not resolve anything. I asked them several times specifically for a reason as the transaction did not fit any of those criteria.
"Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square"
It lists several possible issues with the transaction; however, when I asked what the actual issue was so I can resolve it I just kept receiving that response. To this day I am still unclear what the actual issue was. It was for parts for a customer and they paid with a company card. The funds were held and as I sat there trying for almost a week to get the real issue as why the funds were being held, I got no where and eventually they completely stopped replying to my inquires. Was this issue supposed to be in violation because of the card used, or Square didn't think it matched their definition of legitimate goods and services?
Final Business Response /* (4000, 14, 2015/08/31) */
Hello,
Upon further investigation, a member from Square's Account Services Team reviewed your account and found some payments that violate the Square Terms of Service. The payment was refunded by you and your account has been returned to good standing and enabled for deposits.
For security purposes, Square cannot disclose further details regarding this matter.

Initial Business Response /* (1000, 5, 2015/08/20) */
Hello,
Upon further investigation, a member from Square's Disputes Team reached out to you on August 4, 2015 to inform you that "Square no longer has the rights to continue challenging this case on your behalf".
Furthermore, 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."
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."
Initial Consumer Rebuttal /* (3000, 7, 2015/08/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this at all.I still haven't received any information on how they represented me or who they shared my personal information with regarding the dispute.they claim the customer paid by other means using a different credit card in an amount that did not match the total amount owed on the work order I supplied them.I would like to know how after a 4 month wait, a customer was able to say he suddenly noticed he was double charged.I sent them texts of this customer and myselves conversation after the charge, verifying the issue was with my inability to do further car work for him and he states he wants his money back.this should have been a matter for small claims court.I explained this to square.they failed to even update me after the dispute was resolved.it took me multiple attempts of calling their joke of a customer service line just to find out I had lost the dispute.but no information as to why I wasnt told.I could not reach square the night of the issue to preform a credit refund and was forced to pay him a portion in cash. In order to reach them I had to find a customer code online, call a number, hear a song, leave my number and wait for a return call.talk about professional I was forced to pay this customer cash due to their inability to provide me with customer service and now they cost me over 2200.00 and cant tell me how I was defended in this case.I want answers as to who when and what information was used to help this customer commit an act of fraud
Final Business Response /* (4000, 9, 2015/09/08) */
Hello,
If you would like more information regarding this matter please reply directly to the last email message sent to you by Square's Disputes Team.
For security purposes, Square cannot disclose further details regarding this matter.
Final Consumer Response /* (4200, 13, 2015/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is rediculous. How am I not entitled to ANY of the information regarding my personal and financial information that wss shared?! AGAIN, I WOULD LIKE TO KNOW HOW I WAS REPRESENTED IN THIS CASE. A DETAILED LIST OF WHO WAS CONTACTED, WHAT INFORMATION THEY RECEIVED, AND HOW I WAS ROBBED FOR 2231.38 4 MONTHS AFTER THE TRANSACTION WAS COMPLETED ON A JOB WITH A 30DAY WARRANTY.I GAVE THEM A COPY OF THE ORIGINAL WORK ORDER AND ALL COMMUNICATION BETWEEN THE CUSTOMER AND MYSELF.I WAS VERY PERSISTENT IN CALLING THEM FOR UPDATES, AND ALL I GET ARE THESE VAGUE EMAIL RESPONSES WITH NO ACTUAL ANSWERS.I DO NOT ACCEPT THIS "RESPONSE"

Complaint: [redacted]I am rejecting this response because Square in no way, shape or form, is acknowledging the core issue - the fact that I am not a merchant. This payment in question was a person to person payment, exactly the type of payment the app is set up to facilitate. The way in which Square handled this transaction, seriously jeopardizes the party receiving the funds. It is something Square needs to address, or simply shut down the app if it won't take on any of the risk associated with P-P payments. 
I'd like to officially post a warning on the Revdex.com site against Square. 
Sincerely,Imran[redacted]