Flick Enterprises Inc

Complaint: [redacted]I am rejecting this response because: Yet again we have been promised OUR money and Square has failed to deposit they promised in 1-2 business days. That was last Thursday and it is now Tuesday, 4 business days later. Not to mention I am also requesting the "said email"  from them sent on 6.9.**? I never received one. Again a lie.  This feels like I am getting the run around from them AGAIN. I am prepared to take legal action if MY money isn't deposited into my account by 12 noon on 6.29.**. This has gone on way to long. I will also be seeking 15% interest on my deposit for the 6 months they have held my money. 
Thank you Revdex.com for your help, I hope that other Square users who have had this happen to them are directed your way to resolve there issues as well. 
Sincerely,[redacted]

Hello,
A user who previously sent you money through Square Cash has disputed the transactions with their credit-issuing bank.
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. To learn more, please visit Square’s Cash Terms of Service and Payment Terms.

Complaint: [redacted]I am rejecting this response because:The bank did investigate and did reverse the charges and the very next day after the...

charges were reversed Square put the charges through again.  This complaint was not about any merchant in particular but someone other than me or my daughter opened an account using her routing and banking account number.  When I attempted to contact Square via telephone I was unable to speak with anyone because I didn'thave a customer code.   Sent Square an email and response.  Opened this complaint and still Square is not being responsive at all how do they expect to deal with fraud if at no time do they speak with or respond to consumers in good faith.Sincerely,[redacted]

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]

Hello,As Square explained to you on 08/28/17 Square reviewed your account and found some payments that violate the Square Terms of Service. Due to security reasons and the obligations of Square's agreements with card networks and other financial institutions, Square cannot is unable to provide additional details. If you have any further questions please reach out to Square directly at [redacted] As a result, we won’t be able to deposit funds for these payments into your account. We apologize for any inconvenience this may cause. Under our Terms of Service, you must provide a legitimate good or service in exchange for every payment processed with Square.On 08/24/17 and on 09/07/17 you were asked to refund the full amount. The amount in question is not going to be released to you. This decision is final. You can process a refund directly from the Transactions page in your online account. 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.” Refunds typically take 2 business days to process but can take up to 7 business days. The full purchase amount, including the fees, is always returned to your customer.Thank you.

Initial Business Response /* (1000, 5, 2015/11/04) */
Square does not have the rights to dispute payments on behalf of cardholders. Square is unable to process refunds on behalf of merchants. If you are unable to resolve this with the merchant, it is within your right to contact your bank who holds...

the rights to assist you further.
For more information about troubleshooting Square Cash transactions, please visit:
https://squareup.com/help/us/en/article/5136-square-cash-troubleshooting
For more information about the security of sending money through Square Cash, please visit:
https://squareup.com/help/us/en/article/5144-square-cash-security
Initial Consumer Rebuttal /* (3000, 7, 2015/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Again. Square does not address the issue.
The company has no protocols that protect the consumer. Or their responses reflect a refusal to protect the consumer and/or merchant.
Square's response is to contact the bank. Which bank? Both banking institutions are only the holder of the funds. Square is the medium that facilitates the transfer. In addition, their canned responses are links if payment has not been received.
To reiterate my point, Sqauare's response opens the door for future fraud with no protection from manipulating parties.
The responsibility to protect the buyer and the seller should rest in Square's shoulders. For example, their competitor Paypal offers this protection:
13. Protection for Buyers.
13.1 Types of Problems Covered. PayPal Purchase Protection (also known as PayPal Buyer Protection) helps you if you encounter either of these problems:
You did not receive the item you paid for with PayPal - "Item Not Received" (INR), or
You received an item you paid for with PayPal but it is "Significantly Not as Described" (SNAD) (as described below)
Final Business Response /* (4000, 9, 2015/11/24) */
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
Final Consumer Response /* (4200, 11, 2015/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Again, Square is not addressing the issue. Instead of answering the direct question, they are responding with canned responses that does not address the issue/question.
I did file a dispute with Bank of America. Bank of America got a response from Square stating, "Cash or Load Transaction Value disbursed correctly."
The was a question by Bank of America of Delivery Information? "Has the Merchandise been delivered?"
Square response: BLANK
RE: Their privacy and security. Again another canned response that does NOT answer the issue of consumer protection against FRAUD, not PRIVACY.

Hello [redacted], Please refer to the following email sent on [redacted] 24: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.

Hi,Thanks for reaching out, the reason you havent received your dep**it is due to issues with your bank account. Please calls us at 855-700-6000, you need to make sure you used token#[redacted]

Hello Katherine,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.To verify your account, please do the following:Log in to the Square Dashboard.Click "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. If you still have questions, please call +1-855-700-5000 and have your customer code ready: 4751-9429-9262. We're available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.

Complaint: [redacted]I am rejecting this response because: I cannot accept that they took my money by their complicated policy. I requested the sender to pay me money through Square Cash like they recommended me to, but the sender does not respond to it. I at least need their help to get my money back from the sender.Sincerely,[redacted]

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

Initial Business Response /* (1000, 5, 2015/10/06) */
Hello,
Upon further investigation, there was a refund that was issued for the amount specified in your message on October 2, 2015. If you have additional questions regarding your Square Cash account please email Square for further assistance....


Initial Consumer Rebuttal /* (2000, 7, 2015/10/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I did finally get my refund from Square. I consider this case closed but I would never use this company again based on the experience I had. They wouldn't have acted upon this if it wasn't for my Revdex.com complaint.
Thanks Revdex.com!

Initial Business Response /* (1000, 5, 2015/11/03) */
Hello,
Upon further investigation, a member from Square's Compliance Team has communicated with you through email regarding this matter on October 26, 2015. Please follow the steps provided in the email for further assistance.

Please refer to the latest correspondence sent by Square on 5/20/**. Hello,Thank you for contacting Square and I am sorry you have been having issue with another Square merchant. The fastest way to get this resolved is to go directly through your credit card or card issuing bank and file a...

dispute.Square is not able to process a refund for the payment in question. You need to contact your bank or credit card company and dispute the charge. Once that happens and we receive notification of the billing dispute from your bank or card issuer, we will work with them to resolve the dispute as quickly as possible.We understand that you may be due a credit and will do what we can to streamline the return of any owed funds to your account.Please let me know if I can do anything else for you.

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.
I just put in this complaint less than an hour ago but in further review, the issue seems to be solved. No further action is needed...

with Revdex.com. Thank you for your time. Sent from my iPhone Sincerely, [redacted]

Initial Business Response /* (1000, 5, 2016/02/05) */
Please refer to the last correspondence with Square on January 18th 2016 that addresses the bank's institution's final decision to close the dispute in your customer's favor. Square submitted the documentation you provided however the dispute...

was closed in the favor of the customer.
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."
Initial Consumer Rebuttal /* (3000, 7, 2016/02/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square stated that this was an airline ticket so they have no clue what they are talking about, I demand proof, a copy of the corespondance substantiating the chargeback by the customers' credit card company. I do not believe that square represented my interests and provided the customers credit card company with the vacation rental. The customer rented my townhouse and stayed for a week so they are required to pay for their stay in accordance with the contract, square needs to return my $1000 that the customer used in lodging
Final Consumer Response /* (3000, 19, 2016/03/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square has no idea what they are doing or talking about, they were given copies of the contract, copies of the credit card authorization and they have failed to provide any documentation as requested y me, on multiple occasions, The request by me was for any proof of denial of payment from the customers bank, I highly doubt that they actually have any documentation or actually pursued this on my behalf. I don't believe a word from Square. They need to fund the $1,000 that they unjustly took from my account.
Final Business Response /* (4000, 21, 2016/03/23) */
Square has opened a good faith collections request with Chase Paymentech. The process can take up to 6 months to complete.

I was not asking about how to remove my email from 4Square. I want my CREDIT CARD INFORMATION deleted from 4Square's database. Why is this so difficult to understand? 4Square has refused to delete my CREDIT CARD...

INFORMATIONS. They are comprising my CREDIT CARD INFORMATION by keeping it in their database. 
This is quite an aggregating situation and I feel like the Revdex.com needs to have the authority to make a company comply with deleting a customer's CREDIT CARD INFORMATION to receive a good Revdex.com rating. Why is my CREDIT CARD INFORMATIONS being held by 4Square?

Hello [redacted]We've received notice of a $[redacted] payment dispute on a payment you processed on August 23, [redacted].Our Dispute Resolutions team is here to guide you through the dispute process. Click here to send in supporting documentation for this dispute and help us advocate on your...

behalf.Please be aware that your linked bank account will be immediately debited for the amount of $[redacted] if these funds are not available in your Square balance. The disputed amount will remain on hold in your Square account until we receive an official resolution from your customer's bank.You can visit your Dashboard for more information about the disputed payment, including the dispute claim and a copy of the transaction receipt.Thanks,Square Dispute Resolutions Team

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
6/13/20**

Complaint: [redacted]I am rejecting this response because:
As long as I continue to receive generic responses such as this and as ong as the daily automaticly generated e-mails harassing me for money continue, I will continue to dispute this matter.  I sold a product to a customer in good faith, that customer is still using the product and loves it and states that she is not aware of any fraud claimbs against my company.  Had Squared reached out to the customer early in the investigation process they would have determined this to be the case.  I have no intention of paying the money to Square that they claimb has been collected by the customer's bank.  I serve a blind and low vision customer base and business is challenging enough without this type of extortion.  How many ways do I need to explain, customer purchased product that helps her see and read, customer is happy with product.  this is ridiculous that I am even having to write this as I did nothing wrong.     
Sincerely,[redacted]