Initial Business Response / [redacted] (1000, 5, 2015/11/04) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 / [redacted] (3000, 7, 2015/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the explanation as I did not violate any policies, I did not pose a risk for fraud, and I did not misrepresent myselfI was told to provide a copy of my license and proof of invoiceNot only did I immediately provide it, but it was shortly terminated thereafterFeel free to close this ticket as Square is obviously denying the fact that they are wrongI will definitely steer people away from using this service in the futureThey are not ones to do business with Final Business Response / [redacted] (4000, 9, 2015/11/17) */ A member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article 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 youWe 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 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 ServicesAny 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 finalAny funds currently in your account will be held for days from the date of the deactivationIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 Final Consumer Response / [redacted] (4200, 13, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no resolution statedJust a copy and pasted response that is identical to the last one
Hello, Thanks for getting back in touchYour referenced account is currently under review by our Account Services Team for high risk activityUntil your account has been cleared, funds will be heldUnfortunately, we do not have a specific release date that we can provided at this timeDue 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 detailsFor further information about our policies, you can review Sections and of the "Square Seller Agreement":https://squareup.com/legal/seller-agreementThank you for your patience and understanding
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, Rosalind [redacted]
Complaint: [redacted] I am rejecting this response because: The payments were already refundedThe same dayThese are double refundsSincerely, [redacted]
Thank you for writing in, on 6/25/ [redacted] a Chargeback was filed on the charge for $ [redacted] on 7/11/ [redacted] it was closed in merchants favor, you would need to contact your bank concerning the funds
Complaint: [redacted] I am rejecting this response because: I have contacted my bank several times and they have told me that they cannot issue my money back and that I have to deal with square directlyAs I’ve stated the contact who I sent the money to did not answer or acknowledge my money back requestSo again I’m out of $and neither Square or [redacted] has issued me a refund or a satisfying resolutionI’ve been using Sqaure for years and have never had this issueI will NEVER use it again and will be letting everyone know about this experience via [redacted] , [redacted] , [redacted] , [redacted] and any other social media platform I can think ofThis is outrageous and by me contacting the Revdex.com THEY STILL HAVENT CANE UP WITH A DIFFERENT SOLUTIONEveryone is pointing the finger at the other person [redacted] and SQUARE!Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2016/01/25) */ Square's approach to security is designed to protect both merchants and their customersIf you would like more information about the security of selling and purchasing through Square please see their privacy and security page here:https://squareup.com/help/article/and the buyer agreement here: https://squareup.com/legal/buyer-agreement Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't see how the links provided pertain to my complaintI understand that as a buyer, I make a transaction at my own riskHowever, my complaint towards Square was not just about a fraudulent transactionIt was about the fact that a merchant was created through Square to commit the fraudulent transactionIf there was fraud committed through a Square transaction, I should be able to go to the merchant to have this dispute settled and to inform them that their system was hackedBut the merchant that the transaction went through was a fraud itselfThe merchant doesn't exist! After numerous emails back and forth with Square, and it was difficult to even get a response to begin with, they could not provide me or my bank with ANY information regarding this "merchant." What measures of security do you have when allowing someone to set themselves up as a merchant? This merchant had no contact name, no phone number, no email, no website, and no physical location Final Business Response / [redacted] (4000, 15, 2016/02/19) */ Square's Account Services team has been notified of this sellerThey will handle the situation accordingly Final Consumer Response / [redacted] (2000, 17, 2016/02/23) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Complaint: [redacted] I am rejecting this response because:I have never received any documentation from Square to my email address stating the my account was deactivatedFor some reason they have completely locked me out of my accountI am fine with not being able to process any further transactions on the accountBut I would need my actual account to be reactived to login so that I can keep an eye on my account until square decides to release the funds on my accountI accidentally deactivated the account myself and just would like for it to be reactivated to login not to process transactionsI want to be able to keep an eye on my balance until you release it back to meI will accept the deactivation of my account processing transactions but I would like to request that my account dashboard be activated so I an login and see my pending deposits still in the account until square releases itSincerely,Mayomi [redacted]
Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo learn more about issuing refunds, please reference this article found on the online Help Center: [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is the problem with Square, there was no notice to me stating my account is under suspension! According to Square's merchant user agreement article you must provide notice to me that my account is being suspended or terminated! Square didn't do either! Square should not be in business and you can't reach anyone at the terrible company! Final Business Response / [redacted] (4000, 9, 2016/01/28) */ Square sent a notification email about your account status on September 15th, at 1:PMThe message states: "We're sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity." Final Consumer Response / [redacted] (4200, 11, 2016/01/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Square never sent any form of notificationI've emailed square and searched for a number to contact someone in them customer service department repeatedlyYou can not get in touch with anyone at this company by phone! What legal business doesn't have a phone for clients to get in touch with someone at their company? This company is a fraud! It needs to be shut down, not going public!
Hello ***, As a reminder your account balance is negativeCurrent Account Balance: -$ [redacted] We'd like to work with you to resolve this as quickly as possibleFor your convenience, we can provide the following options to resolve your negative balance: # One time payment of $ [redacted] # Ten bi-weekly payments of $ [redacted] Please respond to this email with your preferred form of paymentAs soon as we hear from you, we'll provide further instructions relating to your chosen form of paymentSquare partners with a collections agency, TrueAccord, who will be in touch if we are unable to come to a mutually agreeable payment planIf you would like to schedule a call to discuss your options please follow this "link":https://squareup.com/appointments/buyer/business/AX1J5D/square-finance-op...⇄ you have any questions please let me knowBest,
Complaint: [redacted] I am rejecting this response because: the urls that I outlined in my request still contain misleading information that is advertisingThe resolution is to fix the issue - or - remove any mention of "round trip" syncing or anything to do with more than one way snycningKeeping the current language is advertising because those features do not exist.Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ Hello [redacted] , Upon further investigation, it appears the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed For more information, please view the most recent email from Square sent on June 15th, The information from that email is as follows: "You have linked a bank account successfully to the Square account associated with the email address [redacted] @gmail.comTwo deposits were sent to this account *However, the Square account associated with the email address [redacted] @gmail.com does not have a linked bank accountNo deposits have been sent to this account Please sign in to your Square account using the email [redacted] @gmail.com, and update your bank account informationTo sign in, head to "squareup.com/login":https://squareup.com/loginIf you have trouble with the password, you can always "reset it online":https://squareup.com/password [redacted] from the Square Register app." If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, for further assistance Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) On January 28th 2015, Square indicated that my bank account link was successfully activated with my Branch Banking and Trust account"We will be making a one-time 49c deposit and withdrawal within the next one to three business days"On Feb4th "Square is unable to expedite processing on timeI sent them my Branch Banking and Trust, information including my email as [redacted] @gmail.comPlease, if you refer to the notice square sent to me on Jan28th through Feb 2015, they had my correct information I couldn't transact or process my credit card payment immediately I contacted them about the missing deposit and I was referred to the help centerI told them my credit card payment was not going through any moreConsequently, I was told to reset my pass [redacted] and emailBefore then, I was told about the pending deposit nearly $ When I made the changes to my email : [redacted] @gmail.com only two payments of $and $was deposited into my account.They kept saying such and such amount ($is pendingI called several times and they never answeredMy banker is a witness to this because he made the calls in his office with me there"We got your message everytime I text them for three weeksI begged them to please make the deposit because my business was jeopardyNo bill was paid and still not yet square refused to deposit this money into with the pretext that they don't have my bank account But according to their rules for missing money it only takes five working business days for the refund to be doneIt's nearly two months now and the depending deposit is still on Now I am faced with overdraft and returned chargesMy account is currently inactive pending this deposit to be done "You can continue to accept payments before verification is completedAny funds you process will be maintain in your square balance until your bank account is verified Final Business Response / [redacted] (4000, 9, 2015/07/08) */ Hello, After investigating the matter in more depth, it still appears that the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed For more information, please view the most recent email from Square sent on June 15th, The information from that email is as follows: "You have linked a bank account successfully to the Square account associated with the email [redacted] @gmail.comEATwo deposits were sent to this account *However, the Square account associated with the email address [redacted] @gmail.comEA does not have a linked bank accountNo deposits have been sent to this account Please sign in to your Square account using the [redacted] @gmail.comEA, and update your bank account informationTo sign in, head to "squareup.com/login":https://squareup.com/loginIf you have trouble with the password, you can always "reset it online":https://squareup.com/password [redacted] from the Square Register app." If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, for further assistanceA phone number was also provided to you through an email message sent on June 15th, so that you may call and have a representative from Square explain the process to you
Although your account is deactivated, you are still able to log in to your Square account to issue refunds and view your account history.You can process a refund directly from the Transactions page in your online accountTo process a refund, log in to the Square Dashboard from a computerUse the date selector tool to locate the specific paymentClick 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 business days to process but can take up to business daysThe full purchase amount, including the fees, is always returned to your customer
Initial Business Response / [redacted] (1000, 5, 2015/11/03) */ Hello, Upon further investigation, a member of Square's Compliance Team recently conducted a review of your Square account and after further review, it was determined that excessive prepaid card transactions were processed with your Square accountThis activity is a violation of the Square Seller Agreement According to Section of Square's Seller Agreement: "All transactions taken with Square must represent a bonafide sale of a good our serviceExcessive gift card use is an indication of a violation of this term"Representation and WarrantiesYou represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business, including any applicable tax laws and regulations; (h) except in the ordinary course of business, no sales transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) your use of the Services will be in compliance with this Agreement." Furthermore, Section Suspension or Termination by Us states "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to youWe 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 finalFor security purposes, Square cannot disclose further details regarding the reason for account deactivation Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) First, I don't care that my Square account has been deactivatedMy concern is the theft of my money with no explanation nor appeal process There is absolutely NO MENTION anywhere in the Square Seller Agreement of "excessive prepaid card transactions" nor does it mention what exactly "excessive" means Section of the Square Seller Agreement says (as of 11/4/at 9:AM Eastern time): Representation and Warranties You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each Buyer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business and employees, including any applicable tax, wage and hour, and tip laws and regulations; (h) except in the ordinary course of business, no transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) no transaction submitted by you through the Services will involve your Cards (except for reasonable test swipes); and (k) your use of the Services will be in compliance with this Agreement All of my transactions are in compliance with the published agreementAs for Section 42, nothing I have done specifically falls into their problem list so they use this catch-all to steal my money and simply refer to Section as the reason, which is really no reason at all And then on their Revdex.com response above they say "For security purposes, Square cannot disclose further details regarding the reason for account deactivation." Come on Square - this is my money and my situation - why can't you be honest and open with me and everyone else? I give you permission to tell them everything! Stop hiding behind these T&Cs that you keep making up as you go along Again, I don't care that Square terminated my accountMy concern is that they STOLE $from me and do not provide any way to contact them, appeal the decision, or any other form of recourse Final Business Response / [redacted] (4000, 9, 2015/11/17) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 Final Consumer Response / [redacted] (4200, 13, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) They haven't proposed any sort of resolution - it's like they simply copy & pasted all the previous emailsSquare still has not provided any details on what I did wrong, they simply refer to the catch-all paragraph in their user agreement that says they can do whatever they want for whatever reason they wantBeyond this, the even worse part (besides stealing my money) is that they don'r provide an appeal process or a way to contact them and discuss the problemTheir word is final and they won't listen to reason or discuss optionsAn absolutely horrible company with disgusting business practices
Thank you for your patience with our account review inquiryWe periodically review account activity on the Square system to ensure a secure experience for all our customers.We are happy to inform you that we have completed our review of your account and have removed the deferred payout status on your accountIf your account has a pending deposit, your funds will be deposited within one to two business days.As each bank has its own deposit processing procedures, some banks will reflect the deposit within twenty-four hours, while other banks may take longerMost banks do not process deposits during weekends and holidays
Hello, Square is sorry to inform you that Square has deactivated your accountSquare's Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about Square’s policies, you can review section of the Square Payment TermsSquare regrets to inform you that, starting from the date of your deactivation notice, you will no longer be able to process transactions using SquareAny funds currently in your account will be held for days from the date of deactivation before being released to your linked bank accountIf 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 Square will refund all the fees, tooRefunds are available within days of the original payment
Complaint: [redacted] I am rejecting this response because: you deleted my account forcing me to return funds back to all my buyers with me netting $in depositsSincerely, [redacted]
Hello, If you’d prefer to receive funds more quickly, you may consider refunding the payments back to the original cards and seeking alternate forms of payment Although your account is deactivated, you are still able to log in to your Square account to issue refunds and view your account history.You can process a refund directly from the Transactions page in your online accountTo process a refund, log in to the Square Dashboard from a computerUse the date selector tool to locate the specific paymentClick 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 business days to process but can take up to business daysThe full purchase amount, including the fees, is always returned to the cardholder
Initial Business Response / [redacted] (1000, 5, 2015/11/04) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 / [redacted] (3000, 7, 2015/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the explanation as I did not violate any policies, I did not pose a risk for fraud, and I did not misrepresent myselfI was told to provide a copy of my license and proof of invoiceNot only did I immediately provide it, but it was shortly terminated thereafterFeel free to close this ticket as Square is obviously denying the fact that they are wrongI will definitely steer people away from using this service in the futureThey are not ones to do business with Final Business Response / [redacted] (4000, 9, 2015/11/17) */ A member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article 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 youWe 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 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 ServicesAny 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 finalAny funds currently in your account will be held for days from the date of the deactivationIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 Final Consumer Response / [redacted] (4200, 13, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no resolution statedJust a copy and pasted response that is identical to the last one
Hello, Thanks for getting back in touchYour referenced account is currently under review by our Account Services Team for high risk activityUntil your account has been cleared, funds will be heldUnfortunately, we do not have a specific release date that we can provided at this timeDue 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 detailsFor further information about our policies, you can review Sections and of the "Square Seller Agreement":https://squareup.com/legal/seller-agreementThank you for your patience and understanding
Thank you for writing in, after reviewing your account I can see a refund for $ [redacted] was issued to Visa on 6/7/***
Square can not release information on our MerchantWe would recommend that you have a dispute to the charged and have your bank issue an investigation
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, Rosalind [redacted]
Complaint: [redacted] I am rejecting this response because: The payments were already refundedThe same dayThese are double refundsSincerely, [redacted]
Thank you for writing in, on 6/25/ [redacted] a Chargeback was filed on the charge for $ [redacted] on 7/11/ [redacted] it was closed in merchants favor, you would need to contact your bank concerning the funds
Complaint: [redacted] I am rejecting this response because: I have contacted my bank several times and they have told me that they cannot issue my money back and that I have to deal with square directlyAs I’ve stated the contact who I sent the money to did not answer or acknowledge my money back requestSo again I’m out of $and neither Square or [redacted] has issued me a refund or a satisfying resolutionI’ve been using Sqaure for years and have never had this issueI will NEVER use it again and will be letting everyone know about this experience via [redacted] , [redacted] , [redacted] , [redacted] and any other social media platform I can think ofThis is outrageous and by me contacting the Revdex.com THEY STILL HAVENT CANE UP WITH A DIFFERENT SOLUTIONEveryone is pointing the finger at the other person [redacted] and SQUARE!Sincerely, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2016/01/25) */ Square's approach to security is designed to protect both merchants and their customersIf you would like more information about the security of selling and purchasing through Square please see their privacy and security page here:https://squareup.com/help/article/and the buyer agreement here: https://squareup.com/legal/buyer-agreement Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't see how the links provided pertain to my complaintI understand that as a buyer, I make a transaction at my own riskHowever, my complaint towards Square was not just about a fraudulent transactionIt was about the fact that a merchant was created through Square to commit the fraudulent transactionIf there was fraud committed through a Square transaction, I should be able to go to the merchant to have this dispute settled and to inform them that their system was hackedBut the merchant that the transaction went through was a fraud itselfThe merchant doesn't exist! After numerous emails back and forth with Square, and it was difficult to even get a response to begin with, they could not provide me or my bank with ANY information regarding this "merchant." What measures of security do you have when allowing someone to set themselves up as a merchant? This merchant had no contact name, no phone number, no email, no website, and no physical location Final Business Response / [redacted] (4000, 15, 2016/02/19) */ Square's Account Services team has been notified of this sellerThey will handle the situation accordingly Final Consumer Response / [redacted] (2000, 17, 2016/02/23) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Complaint: [redacted] I am rejecting this response because:I have never received any documentation from Square to my email address stating the my account was deactivatedFor some reason they have completely locked me out of my accountI am fine with not being able to process any further transactions on the accountBut I would need my actual account to be reactived to login so that I can keep an eye on my account until square decides to release the funds on my accountI accidentally deactivated the account myself and just would like for it to be reactivated to login not to process transactionsI want to be able to keep an eye on my balance until you release it back to meI will accept the deactivation of my account processing transactions but I would like to request that my account dashboard be activated so I an login and see my pending deposits still in the account until square releases itSincerely,Mayomi [redacted]
Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo learn more about issuing refunds, please reference this article found on the online Help Center: [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is the problem with Square, there was no notice to me stating my account is under suspension! According to Square's merchant user agreement article you must provide notice to me that my account is being suspended or terminated! Square didn't do either! Square should not be in business and you can't reach anyone at the terrible company! Final Business Response / [redacted] (4000, 9, 2016/01/28) */ Square sent a notification email about your account status on September 15th, at 1:PMThe message states: "We're sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity." Final Consumer Response / [redacted] (4200, 11, 2016/01/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Square never sent any form of notificationI've emailed square and searched for a number to contact someone in them customer service department repeatedlyYou can not get in touch with anyone at this company by phone! What legal business doesn't have a phone for clients to get in touch with someone at their company? This company is a fraud! It needs to be shut down, not going public!
Hello ***, As a reminder your account balance is negativeCurrent Account Balance: -$ [redacted] We'd like to work with you to resolve this as quickly as possibleFor your convenience, we can provide the following options to resolve your negative balance: # One time payment of $ [redacted] # Ten bi-weekly payments of $ [redacted] Please respond to this email with your preferred form of paymentAs soon as we hear from you, we'll provide further instructions relating to your chosen form of paymentSquare partners with a collections agency, TrueAccord, who will be in touch if we are unable to come to a mutually agreeable payment planIf you would like to schedule a call to discuss your options please follow this "link":https://squareup.com/appointments/buyer/business/AX1J5D/square-finance-op...⇄ you have any questions please let me knowBest,
Complaint: [redacted] I am rejecting this response because: the urls that I outlined in my request still contain misleading information that is advertisingThe resolution is to fix the issue - or - remove any mention of "round trip" syncing or anything to do with more than one way snycningKeeping the current language is advertising because those features do not exist.Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ Hello [redacted] , Upon further investigation, it appears the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed For more information, please view the most recent email from Square sent on June 15th, The information from that email is as follows: "You have linked a bank account successfully to the Square account associated with the email address [redacted] @gmail.comTwo deposits were sent to this account *However, the Square account associated with the email address [redacted] @gmail.com does not have a linked bank accountNo deposits have been sent to this account Please sign in to your Square account using the email [redacted] @gmail.com, and update your bank account informationTo sign in, head to "squareup.com/login":https://squareup.com/loginIf you have trouble with the password, you can always "reset it online":https://squareup.com/password [redacted] from the Square Register app." If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, for further assistance Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) On January 28th 2015, Square indicated that my bank account link was successfully activated with my Branch Banking and Trust account"We will be making a one-time 49c deposit and withdrawal within the next one to three business days"On Feb4th "Square is unable to expedite processing on timeI sent them my Branch Banking and Trust, information including my email as [redacted] @gmail.comPlease, if you refer to the notice square sent to me on Jan28th through Feb 2015, they had my correct information I couldn't transact or process my credit card payment immediately I contacted them about the missing deposit and I was referred to the help centerI told them my credit card payment was not going through any moreConsequently, I was told to reset my pass [redacted] and emailBefore then, I was told about the pending deposit nearly $ When I made the changes to my email : [redacted] @gmail.com only two payments of $and $was deposited into my account.They kept saying such and such amount ($is pendingI called several times and they never answeredMy banker is a witness to this because he made the calls in his office with me there"We got your message everytime I text them for three weeksI begged them to please make the deposit because my business was jeopardyNo bill was paid and still not yet square refused to deposit this money into with the pretext that they don't have my bank account But according to their rules for missing money it only takes five working business days for the refund to be doneIt's nearly two months now and the depending deposit is still on Now I am faced with overdraft and returned chargesMy account is currently inactive pending this deposit to be done "You can continue to accept payments before verification is completedAny funds you process will be maintain in your square balance until your bank account is verified Final Business Response / [redacted] (4000, 9, 2015/07/08) */ Hello, After investigating the matter in more depth, it still appears that the inability of Square to deposit your funds is due to the fact that you do not have a bank account linked to the Square account through which the payment was processed For more information, please view the most recent email from Square sent on June 15th, The information from that email is as follows: "You have linked a bank account successfully to the Square account associated with the email [redacted] @gmail.comEATwo deposits were sent to this account *However, the Square account associated with the email address [redacted] @gmail.comEA does not have a linked bank accountNo deposits have been sent to this account Please sign in to your Square account using the [redacted] @gmail.comEA, and update your bank account informationTo sign in, head to "squareup.com/login":https://squareup.com/loginIf you have trouble with the password, you can always "reset it online":https://squareup.com/password [redacted] from the Square Register app." If you have further questions on how to link your bank account to receive your pending deposit, please reply directly to the email from Square on June 15th, for further assistanceA phone number was also provided to you through an email message sent on June 15th, so that you may call and have a representative from Square explain the process to you
Although your account is deactivated, you are still able to log in to your Square account to issue refunds and view your account history.You can process a refund directly from the Transactions page in your online accountTo process a refund, log in to the Square Dashboard from a computerUse the date selector tool to locate the specific paymentClick 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 business days to process but can take up to business daysThe full purchase amount, including the fees, is always returned to your customer
Initial Business Response / [redacted] (1000, 5, 2015/11/03) */ Hello, Upon further investigation, a member of Square's Compliance Team recently conducted a review of your Square account and after further review, it was determined that excessive prepaid card transactions were processed with your Square accountThis activity is a violation of the Square Seller Agreement According to Section of Square's Seller Agreement: "All transactions taken with Square must represent a bonafide sale of a good our serviceExcessive gift card use is an indication of a violation of this term"Representation and WarrantiesYou represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business, including any applicable tax laws and regulations; (h) except in the ordinary course of business, no sales transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) your use of the Services will be in compliance with this Agreement." Furthermore, Section Suspension or Termination by Us states "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to youWe 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 finalFor security purposes, Square cannot disclose further details regarding the reason for account deactivation Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) First, I don't care that my Square account has been deactivatedMy concern is the theft of my money with no explanation nor appeal process There is absolutely NO MENTION anywhere in the Square Seller Agreement of "excessive prepaid card transactions" nor does it mention what exactly "excessive" means Section of the Square Seller Agreement says (as of 11/4/at 9:AM Eastern time): Representation and Warranties You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each Buyer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/or your business and employees, including any applicable tax, wage and hour, and tip laws and regulations; (h) except in the ordinary course of business, no transaction submitted by you through the Services will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; (j) no transaction submitted by you through the Services will involve your Cards (except for reasonable test swipes); and (k) your use of the Services will be in compliance with this Agreement All of my transactions are in compliance with the published agreementAs for Section 42, nothing I have done specifically falls into their problem list so they use this catch-all to steal my money and simply refer to Section as the reason, which is really no reason at all And then on their Revdex.com response above they say "For security purposes, Square cannot disclose further details regarding the reason for account deactivation." Come on Square - this is my money and my situation - why can't you be honest and open with me and everyone else? I give you permission to tell them everything! Stop hiding behind these T&Cs that you keep making up as you go along Again, I don't care that Square terminated my accountMy concern is that they STOLE $from me and do not provide any way to contact them, appeal the decision, or any other form of recourse Final Business Response / [redacted] (4000, 9, 2015/11/17) */ According to Square's Merchant User Agreement Article 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 youWe 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 finalAny funds currently in your account will be held for daysIf you do not wish to wait the days, you may issue a refund at any time within days of the date of the transactionTo 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 Final Consumer Response / [redacted] (4200, 13, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) They haven't proposed any sort of resolution - it's like they simply copy & pasted all the previous emailsSquare still has not provided any details on what I did wrong, they simply refer to the catch-all paragraph in their user agreement that says they can do whatever they want for whatever reason they wantBeyond this, the even worse part (besides stealing my money) is that they don'r provide an appeal process or a way to contact them and discuss the problemTheir word is final and they won't listen to reason or discuss optionsAn absolutely horrible company with disgusting business practices
Thank you for your patience with our account review inquiryWe periodically review account activity on the Square system to ensure a secure experience for all our customers.We are happy to inform you that we have completed our review of your account and have removed the deferred payout status on your accountIf your account has a pending deposit, your funds will be deposited within one to two business days.As each bank has its own deposit processing procedures, some banks will reflect the deposit within twenty-four hours, while other banks may take longerMost banks do not process deposits during weekends and holidays
Hello, Square is sorry to inform you that Square has deactivated your accountSquare's Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about Square’s policies, you can review section of the Square Payment TermsSquare regrets to inform you that, starting from the date of your deactivation notice, you will no longer be able to process transactions using SquareAny funds currently in your account will be held for days from the date of deactivation before being released to your linked bank accountIf 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 Square will refund all the fees, tooRefunds are available within days of the original payment
Complaint: [redacted] I am rejecting this response because: you deleted my account forcing me to return funds back to all my buyers with me netting $in depositsSincerely, [redacted]
Hello, If you’d prefer to receive funds more quickly, you may consider refunding the payments back to the original cards and seeking alternate forms of payment Although your account is deactivated, you are still able to log in to your Square account to issue refunds and view your account history.You can process a refund directly from the Transactions page in your online accountTo process a refund, log in to the Square Dashboard from a computerUse the date selector tool to locate the specific paymentClick 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 business days to process but can take up to business daysThe full purchase amount, including the fees, is always returned to the cardholder