Flick Enterprises Inc

Hello,Square looked at your account, and there were no attempts recorded to connect a bank account with your Square account in that time-frame. Currently, there is no bank account linked with your Square account. Square cannot attempt to refund customers for payments already deposited to your bank account, unless there is a bank account linked to withdraw funds from. Please follow the steps previously listed to relink a bank account to your Square account.
In regards to the balance of your Square account, this has been affected by payments on the account which have been disputed by the cardholders. 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 debits 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."

Thank you for writing back in. Please understand that this dispute has to do with the EMV liability shift, which was communicated to merchants through other teams here at Square. However, I can additional provide you with a brief overview of this liability shift. In an effort to...

reduce credit card fraud in the U.S., banks are now issuing new, more secure chip cards (aka EMV cards) to customers. As a result, businesses need to upgrade their payments terminals to accept chip cards. In the past, if you swiped a fraudulent card, banks absorbed any costs. Now, if you're not set up with an EMV reader to process chip cards, the bank isn't responsible. The responsibility to cover costs from certain types of chip card-related fraud has shifted to the merchant. The liability shift is only applicable for in-person transactions when the card is physically present, which means online orders and manually entered payments aren't affected. A liability shift related chargeback can happen if a fraudulent chip card is processed as a magstripe transaction through a magstripe reader (chip cards have magstripes too), instead of being processed through a chip card (EMV) payment terminal. To protect your business, make sure you can accept chip cards with either the "Square chip card reader":https://squareup.com/shop/reader or the "Square contactless and chip card reader":https://squareup.com/contactless-chip-reader. To review "best practices for safely accepting credit cards":https://squareup.com/help/article/5079, and for more information on "Square's chargeback protection":https://squareup.com/help/article/5*94, visit our Support Center. Please let me know if you have any further questions. I am happy to help. Best,

Complaint: [redacted]
I am rejecting this response because:Under your Terms of Service, I did not  process prepaid cards, gift cards, or my own card.. it was a customers card and I was paid for my service and product they bought from me. I have not violated and square terms.. 
Sincerely,
[redacted]

Hello,
Square is happy to report that after reviewing your Square account, Square has returned your account to active status and resumed regular deposits to your linked bank account as of March 19. Thank you for your patience and cooperation throughout this process. Depending on your bank’s...

policies, you should see your remaining Square balance in your linked bank account in one to two business days. Please note that you won’t have to go through this process after every transaction.

Complaint: [redacted]I am rejecting this response...

because: there is no immediate resolution nor is there a schedule to resolve this issue. Because of this all mention of round trip syncing or full syncing or any kind of syncing besides 1-way-sync is considered false advertisement. The appropriate resolution is to remove all instances of "syncing" from Square's site. I outlined every single instance in my complaint. 
Removing all instances isn't needed if there is a planned resolution to this issue, including putting it on the roadmap and communicating a date. This should also be addressed in a support article and also noted on any page that talks about "round trip" syncing to let customers know that this feature doesn't work but there is a planned resolution on xx date. This complaint will remain open until the false advertisements are taken down (because I fell for the false advertisements!) - or - a resolution to the issue is planned. 
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:Not only is Square's reason for deactivating our account false, it borders on defamation.First, NO products we carry contain anything illegal. We work closely with our vendors and our regional FDA enforcement representative. If and when a lot number of any product is recalled, we promptly return or destroy it, as per the order. Even these recalls sometimes turn out to be testing error, as the chemical structures of many ingredients can suffer from mistaken identity due to poor sensitivity in testing methods. We comply with all industry requirements.Second, if this deactivation is due to the fact that some of the ingredients we carry are under review by the FDA, review DOES NOT EQUAL illegal. Much in the same way as a food product, OTC drug or prescription medication, until a recall or ban is formally issued, sales are allowed, and I am CERTAIN Square works with companies that offer controversial products, ingredients under review, or products that could qualify, as their abysmally vague Payment Terms read: "(2) paraphernalia that may be used for illegal activity." That can mean anything. They've provided a tidy loophole to drop any client they wish.Third, there is NO basis for the claim that we carry illegal "designer steroids." Square appears to be making a rash and poorly informed decision, based either on misinformation, misunderstanding, or bias. Clients have a right to be informed of exactly how they have breached a contract before a service is terminated, and if that explanation cannot be provided, it is the service provider who is in breach of contract. In short, Square, Prove It. Sincerely,[redacted]

Still you didn't show me any documents to prove what you are saying.Complaint: [redacted]I am rejecting this response because:Sincerely,Shirin [redacted]

Please refer to the following email: 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

Hello,
Square automatically challenged this dispute on your behalf. However, the card network has resolved this dispute in favor of the sender.
As previously stated, Square reserves the right to recover funds for disputed transactions.To learn more, please visit Square's Cash Terms of Service and Payment Terms.

Please refer to the latest correspondence sent by Square on 4/13/**. Hello [redacted],We’re happy to report that after reviewing your Square account, we’ve returned your account to active status and resumed regular deposits to your linked bank account. Thank you for your patience and cooperation...

throughout this process. We understand it can be a frustrating experience and apologize for any inconvenience it may have caused.Depending on your bank’s policies, you should see your remaining Square balance in your linked bank account in one to two business days. If you have any questions about Square’s deposit schedule, please read this Support Center article (https://squareup.com/subscriptions/r?ee=5b1ca0c60cd120f557c62686c207513f65d8c2f...⇄ value the security of your Square account, and the verification process helps us keep your account safe. Please note that you won’t have to go through this process after every transaction.Sincerely,Square Account Services

Square Account Services team conducted a review of your account and determined it to be high risk. As a result, you will no longer be able to use Square Cash to send or receive payments.Square exercised its right under the Square Cash Agreement and have elected to deactivate your account. To learn more about the Square Cash Agreement, please visit: squareup.com/legal/cash-ua and squareup.com/legal/payment.For security reasons, Square cannot provide further details regarding your account closure.Thank you for understanding.

Hello,
Square sent you the following email on December 29, regarding this matter;
 
"Our Account Services team has reviewed your account and determined that we are no longer able to support processing your payments. Starting today, your account with Square is deactivated.
Any funds...

currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after March 29, 2018.Please be advised that the release date and amount available for release are subject to change based on factors that include receiving additional chargebacks after this notice. In addition, chargeback activity on payments unrelated to these funds will result in additional debits from your linked bank account.
For payments that haven’t been deposited (generally in the last few days), you may consider having your customer pay you by another method (cash, check, etc.) and refunding the payment(s) back to the original payment card(s). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here [redacted]For more information about our policies, please review the Square Payment Terms ([redacted]
We appreciate you considering Square for your processing needs."

(The consumer indicated he/she DID NOT accept the response from the business.)Every piece of information I provided (estimate , bank statements , ID, Business Licence )was NOT false ,inaccurate or incomplete . If I did not provide a requested file or a proof is because I did not understand what exactly I have to send . Those requirements were not clear enough .If I did something fraudulent or illegal I wouldn't have not complain here . My customer didn't complain about anything regarding the transaction . Nothing wrong happened here . Why am I called a thief by a company who is holding my money that worked hard for it ?My business is all checks or cash .Once in a while I have a customer that insists on paying by CC and I said to my self let's try this Square thing . Didn't know I was walking into a trap .The fact that thousands of other people are complaining about the exact same problem is proof enough that I didn't do anything illegal and that's how this company does business. Like communism , they seize founds whenever they feel like .One thing that I don't understand is WHY is Square doesn't verify every user before they allow anybody to use their product ? Why are they doing it only after they have your money ?I really doubt that I would ever see the rest of my money so this complain if for other people to think twice before they use this company .Thank You

Complaint: [redacted]I am rejecting this response because: Square has not responded nor have they contacted me I have sent necessary documentation Sincerely,[redacted]

Complaint:[redacted]I am rejecting this...

response because:
It is not a direct resolution, only a request for further information.  Please forward the following to Square, as they request:  My e-mail to open the account was [redacted], telephone number [redacted].  Thank you.
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:This is the same autogenerated response that they keep sending. My buisiness is not at all "high risk", as I have all required licenses and do EVERYTHING by the book. I have provided such licenses to the company. Being that I deal in the most heavily regulated industry there is, and that I am licensed, background checked, etc, by the Federal government, US department of justice, NY state government and I have done nothing but comply 100%, I fail to understand how this is "high risk".Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/09/15) */
Hello,
Upon further investigation, a member from Square's Support Team communicated with you through email to assist you with this matter. The last message that was sent to you on July 23, 2015 stated: "Because your bank won't provide...

account-specific information to anyone but the account holder, we're unable to reach out to them on your behalf."
The representative sent a message on July 21, 2015 requesting information from you that would be necessary in order to investigate the matter further.
If you were unable to obtain this information please reply directly to the representative from Square's Support Team that was assisting you with this matter.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I provided all the information requested that I could provide. The final correspondence was my advising of my intent to file complaints if not resolved. They never again responded.
Final Business Response /* (4000, 26, 2015/12/06) */
Square is still waiting for you to provide written confirmation that the funds were rejected as there is no indication of rejection in Square's system. Please reference your latest email correspondence between you and Square with that information and any questions.
Final Consumer Response /* (4200, 28, 2015/12/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
How many times will they make the same, ignorant, statement, prompting for the same response??? (All caps intended). THE BANK WILL NOT WRITE A LETTER, MAKE A STATEMENT, OF GIVE ANY VALIDATION OF ANY KIND!!
Last time for me asking this: Will a bank statement that I print out, for the month in question and the next month, suffice as proof??

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. Thanks for your help!

Complaint: [redacted]I am rejecting this response because:They cannot provide proof of fraudulent activity that would warrant account closure.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 /* (2000, 7, 2015/11/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I ONLY received this notification AFTER they began holding my funds. I have been a square customer for several years and never had any issues with anything. I did issue refunds through the company and had to rebill for the amounts Square was holding. This is terrible business practice and I will be telling everyone I know to stay away. Their withholding of these funds resulted in bank charges on my end because the money was not there when expected. I still believe it to be VERY shady, and the fact that they say customers can talk to a representative using a "customer code" that is impossible to obtain once they have your account in lock down is also very shady. DO NOT TRUST SQUARE WITH YOUR MONEY.