Flick Enterprises Inc

Hello ***,Thanks for writing inWe understand that it can be frustrating to have your account deactivatedUnfortunately, our review found that we cannot support any Square accounts for you or your business.As stated in the deactivation notice, we will hold the remaining funds in your Square account for days from the date of deactivationSince your account was disabled on June 30, these funds will be released on September 28.Depending on your bank’s policies, you should see these funds one to two business days after we release them to your linked bank accountWe will notify you as soon as we deposit the funds.If you don’t want to wait days for your funds to be deposited, you may consider refunding the payments back to the original cards and seeking an alternate form of paymentPlease note that all refunds must be issued within days of the original transaction date.To refund a payment, please 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.”It usually takes two to seven days for refunded payments to get credited back to the original payment cardThe full purchase amount, including the fees, is always returned to your customer.Per your note about sending a letter, please reply directly to this email with your letter as an attachment and I will ensure it reaches the appropriate department

Please refer to the email that was sent to you on October 17: I looked at your Cash account, and can confirm these funds have already been successfully delivered to your recipientSquare is unable to cancel Cash transactions after they’ve completed transferring to your recipient’s bankHowever,
you’re able to request the same amount of money from your recipient with the Cash app or online at cash.meIf you’re unable to resolve the matter with the recipient, please contact your card-issuing bank for assistance

Complaint: ***I am rejecting this response because:
Square did nothing in
their response to resolve the issueRather than simply ask for additional information needed to identify the account, they attempted to divert me from the consumer advocacy power of the Revdex.com by directing me to call their customer service departmentContacting Square customer service has already in the past been attempted, and resulted in an incredible waste of my time
To assist Square in regaining their integrity position with regard to this complaint, my account with them was identified by the username: ***.
Sincerely,*** ***

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,***
***

Hello *** ** ***,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 accountThank you for your patience and cooperation throughout this processWe 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 daysIf you have any questions about Square’s deposit schedule, please read this Support Center article.We value the security of your Square account, and the verification process helps us keep your account safePlease note that you won’t have to go through this process after every transaction.Sincerely,Square Account Services

Complaint: ***I am rejecting this response because: I do not believe this situation was properly represented Square was sent four "California Legal Contracts" signed by the Client clearly stating NO REFUNDSThis is a health care practitioner's office People do NOT get refunds on discounted packages, services rendered or products sold This client's contacts with the Bank surely were personal as a "Merchant Services Company" such as *** and others would have point blank rejected such foolishness with four signed contracts, including a signed Square receipt stating "no refunds, credit only" Merchants are vulnerable as soon as they hang a shingle It is deplorable that a Merchant protects their business with legal contracts that are viewed of no value with Square or ???? We have no idea who the bank was, after numerous attempts to contact Square for feedback this dragged out without ONE request to us for more information or communication Square does NOT support the Merchants they get paid from if we submit LEGAL CONTRACTS and they are allowed to be tossed aside with no value.Sincerely,*** ***

Hello,Once informed on January of the activity in question, Square reached out to you by phone to resolve the issue within hoursThe account is now in good standing - We’re constantly reviewing our processes to make sure we improve the experience for our sellers, and we appreciate your
feedback about your experience on-call

Hello,On 3/12/your account was given a provisional credit in the amount of $The Visa card network is providing you with this provisional credit because they are still investigating your dispute claim with the merchant
The Visa card network will determine the resolution of your claim as
quickly as possible, but no later than 4/26/This is a temporary credit and you have full use of these provisional funds while this investigation is underway.In the event the Visa card network awards the dispute claim to the merchant, the Visa card network will automatically reverse the provisional credit from your available Cash BalanceFor this reason, Square recommends leaving the provisional credit in your Cash Balance until the claim is fully resolvedThis will prevent your Cash Balance from potentially being put into a negative balance

Hello,If you believe your associate has accessed your Cashapp without your permission, Square recommends you take these steps to secure your email andSquare accounts:1. Change your password to your email address.2. Turn on 2-step verification for your account.3. Enable Security Lock in your Cash app (If you have security lock enabled on your Square Cash account, please change your passcode).As for the funds sent to that card, you will have to resolve it with your associate, or the bank

In order to contact Square Support you'll need to login to your account and go to the following site.
***

Phone support is available for all active Square users at *** A customer code is required for proper routing and securityPlease refer to the latest email correspondence between you and Square to obtain your customer code

Please refer to the following email sent on *** 22: Hello ***, Thank you for sending this letterWe have reviewed this document and unfortunately, we are unable to approve an early release of the held fundsThe letter we received does not confirm the dispute was cancelled.Dispute
Reason: U EMV Liability ShiftDisputed Amount: ***Payment Date: *** at 4:21pm CDTPayment Card: *** ***I have checked on the status of this case and can see that, due the EMV Liability Shift, your customer’s bank has resolved the dispute below in your customer’s favorPlease note, this decision was made by your customer’s bank, not by Square. In an effort to reduce credit card fraud in the U.S., banks are now issuing new, more secure chip cards (EMV cards) to customersAs a result, businesses will need to upgrade their payments terminals to accept chip cardsTo make sure you’re covered, you’ll need a reader to process chip cardsFortunately, Square has two options for you: The Square contactless and chip card reader: Accepts chip cards, contactless payments, and works alongside the magstripe reader to accept magstripe cardsVisit the Square Shop to learn moreThe Square chip card reader: Accepts chip cards and magstripe cardsYou can purchase yours online or drop by a local Staples or Best Buy to pick one upYou can find more information about the transition to an EMV payments system in Square’s Liability Shift GuideIf you wish to pursue this matter further with your customer directly, it is within your rights to do so outside of the dispute process or to seek the advice of counselPlease see this Support Center Video for best practices when accepting credit cardsIf you have any additional questions or concerns, please feel free to reach out and we'll be happy to help
Best regards, Neil Square Disputes

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. This company is still a horrible business to base transactions from years and years agoThis company needs a worse rating that is hasI am not the only business that feels this wayThank youSincerely, Reginald ***

Complaint: ***I am rejecting this responseWhat exactly is Square doing here? They sent me this identical, copied response twiceIt's apparent that they are not even reading my complaintPlain and simple, again: Square processed $*** from my customer to meThey have held that payment for almost daysRelease the funds which are so clearly owed to my businessThis is ludicrous and just plain bad businessIf the money is not released to me within hours, I will go out of my way to let the world know how atricious Square's "services" areWith the click of a button, we can release a bad review letter to over online sourcesI prefer not to have to do this, but Square is devastating small business owners
Sincerely,*** ***

Complaint:***I am rejecting this response because: I have a legitimate businessAgain, I opted for square because most of my facilities clients preferred having a physical signature and being able to slide their card versus entering it onlineI thought then having anA+ business was a good thing but they have THOUSANDS of NEGATIVE comments about their poor service
I don't care about reopening my account with Square because of their POOR customer serviceI want my FULL funds deposited into my account faster than the daysI shouldn't have to ask my clients to do a refund and recharge them because Square fails as a card processing company and I shouldn't be faulted for THEIR actions.
*** ***

It sounds likely you may have received someone else’s receipt by mistakeWhen a payment is completed using Square, customers can receive an email or text message receiptIf an email address or phone number is entered incorrectly, the receipt may be sent to the wrong recipientThis receipt doesn’t
indicate that your card was chargedIt only means this email address or phone number was entered for receipt deliveryTo unlink your email address, click the “Not your receipt?” link on the bottom of the receipt you receivedIf this is the first receipt you receive from Square, you’ll also see a Don’t Recognize This Charge link at the top of the receiptBoth will unlink your email address from the payment card so that you won’t mistakenly receive receipts meant for someone else

Complaint: ***I am rejecting this response because: will file a claim with Texas attorney of general on mistreatment from Square and how they abuse their customersSincerely,** ***

Hello,
When a cardholder initiates a payment dispute, the card issuer requires that the recipient return the funds for that payment to the senderBecause this resolution is final, Square no longer has rights within the credit card networks to continue challenging this payment disputeIf you wish
to challenge this case further, please resolve it directly with the sender.Please note Square reserves the right to recover funds for disputed transactionsExcessive disputes may lead to termination of services.To learn more, please visit Square’s Cash Terms of Service and Payment Terms

Complaint:***I am rejecting this response because:this us the same message you send everyoneI have seen the complaints about this companyWhy even accept the account why not do all of our investigating before opening account? Why wait until there is money in the account to cancel? Why when you have over $*** of my money can I not speak to someoneThis a scamI wont my money deposited into my accountMy customers are satisfied with there order and wrote emailsYou have no right to do thisWhen will I get my funds?
Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/07/21) */
Hello,
Upon further investigation, a member from Square Compliance reviewed your account and found a persistent pattern of transactions generally associated with high-risk activity
A notice was sent on July 8, stating that "your
outstanding Square balance will be reserved for days unless circumstances require that we extend this reserve period."
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."
For security purposes, Square cannot disclose further details regarding the reason for account deactivation
Initial Consumer Rebuttal /* (3000, 7, 2015/07/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Greetings Square IncRisk Management,
Let it be known that *** ***, LLC disputes the day timespan for which your organization, Square, Inc., is claiming right to holdback settlementWe are with reasonable belief that your contingent 'high-risk' liability began at the time of the transaction, which was April 9th 2015; and not at the time in which you elected to deactivate our account on April 29th A deactivation that went without proper notice from you, by being delayed until July 6th (days later)Thus, not in harmony with our Square Seller Agreement- which states: "We may terminate this Agreement...for any reason or no reason at any time upon notice to you." However, the deactivation of the account is little of our concernAlthough your procedure does give arise of concern as to your accountability in regards to upholding integrity amongst our agreement, as well as your compliance to other applicable laws and regulations
As The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation possess statutory authority to supervise third-party servicers, such as Square Inc., that enter into contractual arrangements with their regulated financial institutionsThus, the Federal Reserve (Merchant Acquirers and Payment Card Processors: "A Look inside the Black Box") upholds that the timespan cardholders have to claim a chargeback begins with the later date of which the transaction was processedMoreover, in purview of Regulation-Z, the consumer has days from receiving the issuing bank's statement to report a dispute (days if State law allows)
Whereas The Office of the Comptroller of the Currency in its Comptroller's Handbook for National Bank Examiners, "Merchant Processing- Section 212A.1" states: "....the customer has four months days after a credit card purchase to dispute the purchase." Furthermore, Visa (Visa E-Commerce Merchants' Guide to Risk Management) states that "Issuers have days from the central processing date (CPD) to charge back transactions in which the cardholder claims to have not participated." In addition to the Federal Deposit Insurance Corporation upholding that the acquiring bank's contingent 'high-risk' liability generally spans to days (but up to days for 'certain' transactions)."
As there were no international 'certain' transactions made on April 9th with *** ***, LLC that would warrant a contingent 'high-risk' liability of daysThus, we are with reasonable belief that, under applicable law and regulation, the expiration date of contingent 'high-risk' liability for Square, Incand its acquiring banks is August 7th (days)You are without merit in claiming right to holdback settlement until October 26th (days)Moreover, without merit with your claim of right to begin a settlement holdback time based on the account deactivation date of April 29th 2015, and not from the transaction process date of April 9th
As our Square Seller Agreement- states: "....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.....until such time that:.....(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."
Therefore, we respectfully demand settlement on August 7th (days)A date that is well in accords with a timespan upheld under applicable law and regulation for the expiration of the acquiring bank's contingent liability, moreover, Square Seller Agreement- 'high-risk' liabilityFurthermore, take notice that we possess no affiliation with the cardholder outside of providing goods and servicesTo the best of our knowledge the cardholder's April 9th transaction was legitimateWe do not possess, claim or have any knowledge of the responsibility for the repayment of any debt incurred by the cardholderAs we share a valid concern for chargeback liabilities, thus requested a certified statement from the cardholder waiving all claims and defenses (see attachment)
So, with respect to oversight authorities, in purview of Regulation-Z, Square Seller Agreement- (b) (c), and the good faith actions taken to insure that no fidelity liabilities commence, we respectfully demand settlement on August 7th (days)We are with reasonable belief that a settlement date of August 7th (days) is balance, for all partiesIf you wish to hold your position regarding this matter we shall file a Demand for Arbitration; and we accept your offer of payment of all arbitration fees to settle our dispute(s)
May we all do well in our endeavors,
*** ***, LLC
Final Business Response /* (4000, 9, 2015/08/11) */
Hello,
Upon further investigation, a member from Square reached out to you on August 5, to inform you that the funds being held in your Square account had been released