Flick Enterprises Inc

Initial Business Response /* (1000, 5, 2016/01/05) */
Square is unable to process refunds on behalf of merchants. If you are unable to resolve this with the merchant, it is within your right to contact your bank who holds the rights to assist you further.
Initial Consumer Rebuttal /* (3000, 7,...

2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company claims they could not even give me the discount because Square had an issue on their end that would not allow the code to be used the day the code expired. This is not a refund question so much as a reissue.
Final Business Response /* (4000, 9, 2016/01/20) */
Square has no record of this activity or claim. Please provide Square with the email address used to look up your account information.
Final Consumer Response /* (4200, 11, 2016/01/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted].com

Hello,Thanks for writing in. We understand that it can be frustrating to have your account deactivated.Unfortunately, due 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 details. We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.

Initial Business Response /* (1000, 5, 2015/09/04) */
Hello,
Upon further investigation, a member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article 42 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 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."
Article 43 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 Services. Any 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 final. Any funds currently in your account will be held for 90 days from the date of the deactivation. 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://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.
Initial Consumer Rebuttal /* (3000, 12, 2015/11/19) */
[redacted]Document Attached[redacted]
Square was to refund $2800 into my account on November 17, 2015. I have sent multiple emails to Square demanding the money to be deposited in my account. On November 17, 2015, I received an email stating that the money will be held for an additional 60 days. On the following day, I received an email stating that the money would again be held for 90 additional days after reopening.
Final Business Response /* (4000, 20, 2015/12/21) */
Upon further investigation, a preliminary decision was made on 10/7/15, but your customer re-opened the dispute on 11/20/15. Please reply directly to the email correspondence with Square for the latest updates on the re-dispute.
Complaint Response Date bumped because: Holiday
Final Consumer Response /* (3000, 23, 2016/01/14) */
Square, Inc did not inform us about a decision being made to refund the money. Square,Inc sends automated messages that have nothing to do with the question that is being ask. They refuse to provide me with answers about why the money has been taken and refuse to give the money back. I waited 90 days for the money to be given back and now Square has informed me that I need to wait another 90 days.

Complaint:[redacted]I am rejecting this response because: it does not address the actual issue they are just restating the illegal activity they are doing.
There were no "recent chargebacks" in addition they are withholding on transactions that have passed 120days which goes against their own Payment Agreement section 19.
Sincerely,[redacted]

Because the customer’s bank makes the final decision in a payment dispute, Square has no further rights to pursue the collection of these funds via the dispute process. If you're stating your customer never filed the dispute you would need to have her contact the bank in order for them to stop the...

dispute process.

Complaint:[redacted]I am rejecting this response because:I don't understand how you have a business that deal with people's MONEY!!!! and you have no phone support. What kind of business are you running here? And since you "only communicate through email" why is that I haven't received a email in over a week? You guys stated that my case was passed on to someone else of a higher caliber and I have yet to receive any information about it since. Sincerely,[redacted]

Unfortunately, after reviewing the information you submitted, we will not be able to process your most recent payment for $5,600.00, and the funds will not be deposited to your bank account. We’re sorry for any inconvenience this may cause.We ask that you please refund the transaction back to the...

original card and seek an alternate form of payment. To refund a payment, please log in to the Square Dashboard.
Square typically does not have limits, however, after carefully reviewing the documentation you submitted, we feel that keeping your transactions below $1,000.00 per customer would best shield your business from potential issues or disputes. Any credit card payment, despite the legitimacy of the charge and card holder, can be disputed. When a single account processes large amounts to a single card, this only increases the potential fallout should disputes arise. This process and decision has been proven to protect Square and its merchants. To learn more about chargebacks, you can visit our Support Center. Getting a check or cash for the remainder of your services from this customer will safeguard you from any potential disputes. We are happy to re-examine this limit after you have built more history on Square.

Complaint: [redacted]I am rejecting this response because:
This response is unacceptable. We have no way of contacting these customers to get our money in another form of payment. These are not all regular customers, but one time customers.
Bottom line: We have done everything legal to satisfy your HIGH RISK profile, in ensuring that our business is a legitimate legal business.
What we are requesting is for you to release our funds. We have passed all security measures and have taken tests and been trained for money laundering. This is not the case. The transactions were legitimate and you have no reason to hold our funds.
Why cant you let me provide you with the proof that you need in order to prove that the transactions were legitimate. Ex. Signed authorization forms, money laundering certifications, etc.... Whatever that you need we can provide to you that we are a legal business.
Sincerely,[redacted]

Hello,
On February 19, Square sent you the following message by email regarding the status of your account;
"Hello James,
We're sorry to inform you that we are deactivating your account. We reviewed your account and found transaction types prohibited by Section 35 of the Payment Terms.
We regret that, starting today, you will no longer be able to process transactions using Square.
Due to the unusual or high risk activity associated with your account, your outstanding Square balance will be reserved for up to 180 days (but no less than 90 days), unless circumstances require that we extend this reserve period. If you do not want us to reserve your funds, you may refund the payment back to the cardholder account.
We appreciate your having chosen Square and apologize for any inconvenience this may cause.
Sincerely,Square Compliance Team"

Thank you for contacting Square. A manager from Square has reached out to you on [redacted] with the following;
"I’ll be more than happy to provide your bank with our Deposit Confirmation Letter. This letter provides the bank the amount, date, and account number that the funds were sent to. Since...

we’re sharing your full account number with the bank, I am required to ask for your consent to provide this information."
Please correspond directly with this manager, and Square will be able to assist you from there.

Initial Business Response /* (1000, 5, 2015/11/03) */
Hello,
Upon further investigation, a member of Square's Account Services team reviewed your account and elected to terminate the account in accordance with Article 42 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 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."
Article 43 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 Services. Any 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 final. Any funds currently in your account will be held for 90 days from the date of the deactivation. 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://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.
Initial Consumer Rebuttal /* (3000, 7, 2015/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No. I do not accept their copy and paste generic response. I want my money released NOW. The buyer even contacted me and the buyer said and they're happy with the purchase so why is Square still holding my money? Nobody still explained why my account was terminated. The generic response was "a pattern of high risk transactions" but how the heck is it even a pattern from ONE transaction? Explain the "pattern" to me. Til then, release my darn money. That's 600 I need for bills and my children that yall stole from me! Frickin losers!
Final Business Response /* (4000, 9, 2015/11/11) */
Square terminated your account in accordance with Article 42 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 you." For security purposes, Square cannot disclose further details regarding the reason for account deactivation.
Final Consumer Response /* (4200, 12, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Another generic response. I don't agree with them holding my money for 3 months. I am in the process of retaining an attorney to sue square.

Hello,
Square is sorry to inform you that Square has deactivated your account. Square's Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity. For further information about Square’s policies, you can review section 36 of the Square...

Payment Terms. Square regrets to inform you that, starting from the date of your deactivation notice, you will no longer be able to process transactions using Square.
Any funds currently in your account will be held for 90 days from the date of deactivation (Account deactivated on November 22) before being released to your linked bank account. If 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 for refunded payments.) Refunds are available within 120 days of the original payment.

Initial Business Response /* (1000, 5, 2015/12/21) */
Square Privacy Policy states, "We take reasonable measures, including administrative, technical, and physical safeguards, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and...

destruction." Please reach out to Square directly through email to assess your particular situation.
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2016/01/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Considering the source, a morally bankrupt company that believes it is acceptable to spy on, invade the privacy, cyber stalk, and leech as much information they can, from anyone they can, to serve their own purposes and profit. To have them use a term like reasonable, is laughable. What kind of safeguards are in place to allow the mistake that started this, to happen. Square, without my knowledge or permission, emailed a receipt/transaction confirmation to an email address that is not mine. An email address that is a company/ business account. Almost every company email address that I have seen for an individual, has some variation of that persons name. A quick look at the name on the credit card account compared to the email address it was sent to, should have raised a red flag. I will also add that Square should have no business sending these types of emails in the first place. They are a "middleman". If I wanted a transaction receipt, I would have asked for one from the company I did business with. If I wanted confirmation of credit card purchases, I would have contacted my credit card company to send me alerts. In this day and age, when Identity Theft is at epic levels, any company that keeps massive data bases on people -especially of a financial nature- should be held to strict standards to protect that information. Not "reasonable". Reasonable is a very ambiguous and subjective term. I am sure Kim Jong Il believes it to be reasonable to oppress the citizens of North Korea.
It would seem Square's definition of reasonable is to send an email to an unconfirmed recipient adding a side note at the bottom Not Your Receipt, expecting people to be nice enough to click on it to unlink the credit card from the email account and not to do anything the with the information they were sent.
I will repeat I have no account or agreement with Square, like most people. Square was never authorized to send emails or any information regarding purchases with my credit card and I was never informed of their practice to do so.
There is one part of Square's response that I do not know if I should be insulted or they are just that oblivious. Square asking for me to reach out to them trough email. They have already proven to be negligent and irresponsible with the information they have, why would I want to volunteer more. I tried to call their customer service for some answers, but the only way you can get through is you need a cr. How do you get a cr? You need to create an account and provide them more information than they need to just talk to you on the phone.
Bottom line a large portion of Square's business model is in collecting and selling personal information and data on as many people as they can. Being a relatively young company, they are behind all of the well established companies out there that have been doing it for decades. Square is trying to catch up, by hook or by crook. The one thing that is working to Square's advantage is the younger demographic. Most of the younger generations tend to shop and live electronically. Thus allowing them to be stalked easier and allowing Square to build a more extensive data base and collecting information from people in their teens or even younger. Allowing Square to bring a bigger piece to the trading and selling of information that has been happening for decades in the darkest of shadows and back room deals.
Final Business Response /* (4000, 9, 2016/01/19) */
Square offers support to both buyers and sellers via email, and if you have concerns about the email address associated with your payment card they can reach out to Square support. Square strives to protect both buyers and sellers. Please visit Square's website for more information at [redacted]
Final Consumer Response /* (4200, 11, 2016/01/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
How are Unnecessary,Irresponsible, Negligent actions with my personal and financial without my knowledge or permission helpful and supportive?
How is sending emails of my personal and financial information to someone other than me helpful and supportive?
How is contributing to possible Identity Theft or theft of product helpful and supportive?
How is compromising my privacy helpful and supportive?
How is causing my order to be cancelled and an over a decade long relationship with a particular retailer to be ended helpful and supportive?
How is disappointing family and friends by ending an over decade long Christmas tradition helpful and supportive?
It would seem that the definition of Customer that Square has is as loose as it's definition of Reasonable. To be clear, I am not a Customer of Square. I have not entered into any contract or agreement with Square. Before this incident, I do not believe I had ever heard of Square. I believe, in this scenario, Square's customer is the retailer I chose to have a contract/agreement with. Square was hired as a third party by the retailer to process their credit card transactions, something I have no control over or knowledge of. Square had no right to take it upon themselves to attempt to reach out to me. I am not their customer and I did not give them the right.
If I did need help or support with a transaction issue, I would contact the retailer or my credit card company. Even if Square were to screw up even worse than they already have and have a direct impact on a transaction, I would have the retailer, credit card company, or lawyer deal with them. I may still contact a lawyer, if I can not get a resolution of my satisfaction.
I believe that if I were to contact Square for help or support, I would get neither. Much like I am getting now. As a matter of fact I did try contacting Square directly, but their system is set up in such a way that I had no luck talking to someone directly.
Square needs to change its policy on how they use and protect information they get as their roll as middleman and should not be allowed to take action without an individuals (aka non-customer) permission.

Please refer to the following email sent on [redacted] 2:
Hello [redacted], We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity. For further information about our...

policies, you can review section 36 of the Square Payment Terms. We regret that, starting today, you will no longer be able to process transactions using Square. A** funds currently in your account will be held for 90 days before being released to your linked bank account. If 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 we will refund all the fees, too.) Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard. 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." Unfortunately, our decision to deactivate your account is final. Due 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 details. Again, we apologize for a** inconvenience this may have caused. Sincerely, Square Account Services

Please refer to the latest email correspondence sent by Square on 5/18/[redacted]Hello [redacted],We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.For further information...

about our policies, you can review section 42 of the Square Seller Agreement (https://squareup.com/subscriptions/r?ee=d7e0a15f39634166c555b990b3a75f5c7c51452...⇄ regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.If 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 we will refund all the fees, too.)Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard (https://squareup.com/subscriptions/r?ee=7667ea7db8c39bdbf57f56df96b29f5b5b3fbe3...⇄ 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."Unfortunately, our decision to deactivate your account is final. Due 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 details.Again, we apologize for any inconvenience this may have caused.Sincerely,Square Account Services

Hello,
Square's team reviewed your account and determined it was consistent with Cash for business under Square’s Terms of Service[redacted]
We won’t be able to convert your account to personal use, but you can have multiple Cash accounts – one for personal and one for business use. Each account will need to be associated with a different email address or phone number, but both can be linked to the same debit card.You’ll need to make sure that any service and business related payments are sent to your business account, and friend and family payments are sent to your personal account.

Hello,
As Square emailed you today. The funds are currently pending as of 12/07/17. You should see them on your account shortly.Thanks for your patience.

Complaint:[redacted]I am rejecting this response because:
The fact is there was no pattern of  your alleged security concern when it was the very first pre authorization and pre deposit I accepted with square. I have not done any other transactions except one being that I decided to use them as a backup processor. Clients payment has already been fully processed with another credit card processor that I use.  Your team is unprofessional and you have no experience nor sufficient training in detecting fraud. If keying in a credit card for a deposit deems a security risk then maybe you guys need to go back to your angel investors and re-think how to structure a real credit card processing firm not some low end wannabe company as yourself. Fact of the matter a REAL Processor has an underwriting team who actually contacts the merchant and request documents of how the business runs and prior invoices so they can see the exact pattern the business uses. Your business has done none of the above which only proves  even more that you guys are nowhere near professional as your marketing scheme you guys have going on.  Do yourself a favor run Luxury car rental [redacted], Exotic car rental[redacted] & Ect I am placed on the first page of [redacted], and the # 1 rental company in [redacted], We are well known with many celebrities and world wide famous and powerful government officials from all around the world who get cars from us when they visit [redacted]. We currently own 65 High end exotic and luxury cars via [redacted] vip where we rent them out for profit, and I also own  a technology firm called krypto-tech which develops security applications and research for global private firms and governments. And it discuss me to see your security is ineffective. I am not interested in using you guys as a backup merchant any longer. And don't want anything from Square. Do your selves a favor hire a better security team and you guys should discuss security measures because the message you guys sent me is a boat load of crap. Have a good day ! 
Sincerely,[redacted]

Please refer to the following email sent on[redacted] 4: 
Hello Frances, We are writing to notify you of a Tax Levy received from the [redacted] Taxation and Revenue Department for your account. As such, we have placed a freeze on your account for all available funds up to the amount of the...

imposed levy ($[redacted]), and any available funds will be remitted to the [redacted] Taxation and Revenue Department. Please contact the [redacted] Taxation and Revenue Department to resolve this matter at 505-841-6287 or 505-841-6284 If we receive notification that the levy has been lifted, we will remove the current freeze on your settlement and deposits will resume as normal. In the instance we do not receive a notification of release, we are legally obligated to remit funds. Please reply to this email if you have any questions. A release may be faxed to us directly at 855-629-0763. Thank you, Square Tax Operations

Thanks for getting back in touch! Looking at your account, the payment from [redacted] was never sent successfully to your account. [redacted] account should have been refunded within 1-3 business days of the payment. You can view your transaction activity for Square Cash payments from the Cash app, or online at Cash.me/account.To view your transaction history in the Cash app:Tap the clock icon in the top-right corner of the screen.Tap on a name to view your activity with this person.To see specific payment details, tap a payment.To view and download your transaction activity online:Visit cash.me/account from a computer.Sign in with the phone number or email address associated with your account.Click on Activity on the left panel of the page to view your complete payment history.If you’d like, click Download in the upper-right corner and a report will download to your computer that you can open with Excel or any common spreadsheet software.Let me know if you have any additional questions. I’m happy to help!Best,Darin