Square, Inc.

Initial Business Response /* (1000, 5, 2016/01/28) */
Square has reached out to you via phone and email and this issue was resolvedA total of five deposits were made to your linked bank account on 1/26/Please refer to the latest email correspondence between you and Square for any
additional questions
Initial Consumer Rebuttal /* (2000, 7, 2016/01/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They did contact me and deposited my funds into my account as square advised in their responseIt took a full weeks before anyone reached out to me with any information

Used the cash app to transfer money to an individualThey debited my account but did not deposit the money on the recipients end, even though the recipient selected to have it deposited instantlyPhone customer service is basically useless unless you're an actual customer, and the email support team seems to have no clue what is going onWhen you are dealing with peoples money they want answers, not a webpage directing them all over the place

Final Consumer Response /* (2000, 6, 2015/10/21) */
Square finally paid me the money they owed meI was finally able to "trick" the system into connecting me with a live personOnce I called to complain, they finally advised me that I needed the further verify who I wasI found the
process extremely insulting as it is business that hired them to process credit card transactionsI still think the public should be warned about these very questionable business practicesThank you for your helpThe issue has been resolved
*** B

Complaint: ***I am rejecting this response because:it has not been forwarded to the correct individualI do not wish to hear from *** again since he, apparently, is not the correct person to be notified and has still refused to have a manager or supervisor contact
me. Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/09/09) */
Hello,
Upon further review, a member from Square's Compliance Team reached out to you on May 20, requesting information about your account
The verification was completed on August 26, and another message was sent to you
by Square's Compliance Team on August 27, informing you that the review of your account was completed and the deferred payout status on your account had been removed
Initial Consumer Rebuttal /* (2000, 7, 2015/09/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They resolved the issue, released my funds and returned my account status to active

Initial Business Response /* (1000, 5, 2014/03/10) */
Hello ***,
After further investigation Square was unable to find any contact from you with regards to this issueSquare uses Bankers' Rounding for all of their processing fees and payout accountingThis method of rounding is designed
to eliminate the possible bias or "skew" you may be referring toIf you have any information that indicates otherwise please feel free to send Square an email or respond through the Revdex.com so that Square can further investigateHow much have you found the rounding has taken from your fees?
Square unfortunately cannot speak to Quickbooks' rounding method so Square suggests you reach out to Quickbooks directly for more information on how they round or why they round a certain way
Initial Consumer Rebuttal /* (3000, 7, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response contradicts their own help topic:
***
For processing fees, we round to the nearest $
Note: Transaction and item tax is calculated with bankers' rounding, or round half to even
Two different descriptions for rounding: The first for the charges they collect from their customers, the second for the charges their customers collect for each transaction
This is a double-standard that applies a skewed method to their advantage, and a non-skewed method to small businessesMy business with a few hundred transactions will never gain anything noticeable from the skew, nor my customers suffer, but billions of transactions for Square suggests the bias accumulates to significant extra income for them, collected from hundreds of small businesses
Final Business Response /* (4000, 9, 2014/04/01) */
Dear ***,
Thank you for providing the link to that articleSquare is escalating this matter to its payment engineers for further research to determine if this article is up to datePlease feel free to respond to this case and leave it open so that Square can provide more information as soon as the investigation is complete
You may also contact Square directly so they can address your concern via email as well
Final Consumer Response /* (2000, 11, 2014/04/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
From Square in a private email:
We have confirmed with our payments engineers that you are partially right about our rounding system, however, the reasons for that being the case are not due to potential gainThe reason why the rounding differs from your tax calculation and our processing calculations is due to a different programming language being used on our backendThis programming language only supports a very technical type of rounding that is not ideal as Square grows
For the last several months our engineers have been rewriting/updating this system to make a variety of internal uses more efficient, one of which, includes a switch to Banker's Rounding for all of Square's calculations (both in-app and for back-end processing)We expect the work to be completed and released within three months, after which, we will update the Help Center article you provided, to reflect this new information

I'm a building contractor and I have an client who I work almost exclusively for After years of being paid by this client with Amex with no problems Square out of the blue decided they would not accept my clients card to" protect me from fraud" They virtually put me out of business until I could set up a new payment system There's no way to speak to anyone by phone I think there Twitter and email are all computer generated Stay away

Please refer to the latest correspondence sent by Square on 4/14/Hi Scott, BACKGROUND->My name is Mo here with Square SupportI came across your email and I am more than happy to help.Phone Support:I went ahead and generated a customer code for youPlease give us a call at *** between 6am-6pm PT Monday-FridayYour customer code is ***One of our supporters will be ready to get you taken care of.When you call in, you’re welcome to use the Callback option if there’s a bit of a hold timeThat way, you won’t have to wait on the phoneWe’ll keep your place in line and give you a call back as soon as possible.Please keep in mind that this is a permanent customer code and is tied directly to your Square account, so make sure you don’t share it with anyone else for security reasonsAlso, in order to share account-specific details, we need to talk to the account owner or administrator directly.We look forward to hearing from you!Best,

Initial Business Response /* (1000, 5, 2014/06/18) */
Hello ***,
Upon further investigation, I see that Square sent you an email on June regarding your deposits and bank accountAs stated in the response, your new bank account was only just verified, which is why your deposits
were delayedI see that Square deposited your funds into your linked bank account on June At this time there are currently no other pending deposits for this account
Initial Consumer Rebuttal /* (2000, 8, 2014/06/18) */
Since I listed my complaint square has made good on the problemI thank you for your time

Square is threaten to charge me $for a payment I never even received! I contacted Square customer support, and Rachel was less than helpfulVery rude actually! Couldn't answer simple questions because she was afraid to once she realized they "square" are in the wrongRachel acknowledged that they have possession of the $and that it never went into my accountHowever, I'm still being threatened by square to have $charged to my account?!
I refused to dispute it, and said to just give the person their money backRachel, acting as though she now controls my account, said that they are going to dispute it against my wishesI had actually contacted them and visa when the costumer wanted to make the payment, and told them both that I believe it's a fraudulent transactionNeither square or visa chose to do a thing! Then months later I'm dealing with this!
I then posted this info on squares threads, and was immediately banned from the site! I've had to stress, waste my time, and be disrespected by this company to the point that I would never recommend anyone ever use their service!
*** *** (Loveland CO)

Hi,
This case has been resolvedPlease cancel this complaintThanks!
Sincerely yours,
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*** *** *** *** *** *** *** *** ** *** *** ** *** *** *** *** *** *** *** *** *** *** *** ***

Initial Business Response /* (1000, 5, 2015/10/05) */
Hello,
Upon further review, a member of Square's Compliance 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."
Upon further inspection, it appears that the funds were sent to be deposited into your linked account on September 28,
Initial Consumer Rebuttal /* (2000, 7, 2015/10/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
THANK YOU Revdex.com!!! It took Square over the days they said they will hold the money to return it to its rightful owner! If it wasn't for you, i'm sure Square would still have my money!
Square, you can quote your seller agreement all you wantYou emailed me this "form" letter a dozen timesIt doesn't give any good reason why a business that has been conducting business for over years would pose a credit risk or be involved in illegal activiesDo you think we would still be in business? Maybe if you had some customer service and someone to talk to, that would go a long way in resolving mattersI will do my best to warn people to stay away from SquareThanks for nothing...it has certainly NOT been a pleasure doing business with you!

I have been using Square up for more than months for my retail furniture businessFirst of all they have the work customer service, I had to call them twice both times the representative was horribly rudeThe biggest reason I hate Square up and I am going to quit using them is; NO REFUND AFTER DAYSSo if you issue the refund via check you obviously loose the fees charged by Square which is unfair

Initial Business Response /* (1000, 5, 2014/10/15) */
Hello ***,
Upon further investigation of your account, I see that a Square representative sent you an email on October with the status of your funds
In order to comply with Square's legal and regulatory obligations, Square
conducts periodic reviews of Square Cash accountsSquare apologizes for the inconvenience caused by the delay you've experienced in receiving your funds
Square is also happy to inform you that a review of your account has been completed and the payments have been sent to your accountNote that while each bank has its own deposit processing procedures, you will likely see the funds settled to your account within the next 1-business days
If you have further questions, please respond directly to the email that was sentThere are no further updates for this account
Initial Consumer Rebuttal /* (2000, 7, 2014/10/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Have been using Square for over a year now and have never had any issues with anything - equipment, customer service, deposits, etcMoney from transactions always goes into our bank account the next morningCustomer service is always available and always knowledgeable (and speak fluent English with no foreign accent)Their rates are very competitive as well with no hidden fees or charges and no monthly fees or chargesSame rate for all four major cards (MC, VISA, DISC, AMEX)

Initial Business Response /* (1000, 6, 2014/12/19) */
Hello ***,
Upon further investigation of your account, a representative from Square's Support team emailed you on December 6th informing you that the contact information from the payment card in question has been disassociatedIf
you are still experiencing this issue, please reply to the original email with your inquiryThere are no further updates at this time
Initial Consumer Rebuttal /* (2000, 8, 2014/12/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Hello *** *** by ***,Thank you for your response.Due to recent Chargebacks on your account we have placed an additional day hold as been placed on your funds, if no other chargeback are received within the next days the funds will be released to your
accountThanks,Square Dispute Resolutions Team

Initial Business Response /* (1000, 5, 2016/01/25) */
Please refer to the latest email correspondence between you and Square from 1/12/The message states: "I just wanted to reach back out and let you know that I was able to have that $credited back to your Square accountThe
total of $4,was sent by Square last night and you should see it in your bank account this morning." Please respond directly to the email with any additional questions or concerns
Initial Consumer Rebuttal /* (3000, 7, 2016/01/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My customer service number is still deactivated which means that I cannot receive customer service when I have issues with any of my transactions/ deposits
It was not my fault that Square completely dropped the ball when it came to handling their customer service issue with me and as a customer, I should not have to bear the weight of their lack of response
I understand that I was able to finally get credit for the what I was originally told I would get, even though it took me creating another account to be able to finally contact customer service department and speak to an employee who was willing to take care of my issueThe manager I spoke with was rude & completely inconsiderate during this whole ordealShe was not willing to hear my side of the story at all - no sympathy or empathy, just an attitude
If I can't have my code reactivated, then there is no point in continuing to use Square for my online client needs
In closing, I need my customer code reactivated in order for this issue to be resolved
Final Business Response /* (4000, 9, 2016/02/04) */
This issue has been resolved your customer code was reactivated and you spoke with a Square Support representative on 1/28/
Final Consumer Response /* (2000, 11, 2016/02/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Hello ***,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 daysPlease 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

I had a former client dispute a credit card chargeSquare fought for me and got me my money backEveryone I spoke with treated me great