Flick Enterprises Inc

Hello,
If you have successfully refunded a payment, Square will not debit you for that payment when a dispute is received.However, if the payment is unable to be refunded, then an incoming dispute on that payment will be adjusted from your pending Square balance. If your Square balance cannot cover the dispute, Square will attempt to cover the dispute from your linked bank account instead.

Complaint: [redacted]I am rejecting this response because: Square is just holding our money when we provide proof all orders were delivered in full over 90 days ago. Squares is using our money for free for over 90 days. Square charged and took fees out of our checking account for the processing on these orders when they did not pay us on the orders yet. This is fraud and appears to be the normal way they due business. They set you up pay you on a few orders and then they stop paying you and make you wait at least 90 days to get paid if you get paid at all.
Sincerely,[redacted]

Square has confirmed that the account Dugger Concrete Inc. associated with [redacted] is connected to Homeowner's Choice Concrete. Currently this investigation is closed and this decision is final. If you would like us to reopen this investigation, please provide government issued...

formation documentation certifying that these are separate entities which are permitted to commingle funds to [redacted]Please review section 16 of Square’s Payment Terms, which states that Square may offset liability between connected accounts. Most often, this liability is due to chargeback related negative balances which have gone unaddressed.

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. However, the response is the same response that was provided tome prior to me filing this complaint. the over all process on how this was handled is what I have an issue with.
Sincerely, [redacted]

Initial Business Response /* (1000, 5, 2015/08/30) */
Hello,
Upon further investigation, a member from Square's Support Team has been in communication with you regarding the matter you are discussing.
Square's Support Team currently only communicates via email in order to maintain an...

accurate record of all correspondence and best explain policies and procedures. Square strives to respond to all inquiries within 24 hours. If you have additional questions, Square recommends searching the online Help Center, found at: squareup.com/help.
If you have additional questions regarding this matter, as stated in the last email sent to you on August 13, 2015, please reply directly to the email for further assistance.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Square, Inc. never responded above to the concern related to storage of personal credit card information without the owner's permission. Recently, my same credit card was compromised and the credit card company is investigating several unauthorized changes. I have no evidence that this is linked to Square, Inc. but these fraudulent activities make me apprehensive about having my credit card online and Square, Inc. non-response to how it stores individuals' personal information.
Final Business Response /* (4000, 9, 2015/09/15) */
Hello,
Upon further investigation, a member from Square's Support Team responded to your question with an email message sent to you on August 13, 2015. The message states: "In regards to removing your card information we do not distribute any of your personal information that is not voluntarily given by you.
In addition, all information submitted to Square by our account holders is encrypted and submitted to our servers securely. Square meets Level 1 PCI Data Security Standards. You can find Square listed as a secure service provider on Visa.com..
As per our Seller Agreement, Security Policy, and Privacy Policy, we will never sell your information to third party vendors.
If you're curious, you can read more about security and privacy at Square on our Support Center.
The only portion of your card information that is stored is used to identify the transaction. If we didn't have this information and someone did fraudulently charge you $1000 off of your card your bank, Square and anyone else would not be able to locate it because you didn't want anyone to keep the transaction information on file. Having this information on file is to protect you and your money, not the other way around.
This is a standard regulation in compliance with Federal Government regulations, your bank, Visa, MasterCard, American Express, and Discover."
If you have any additional questions, the representative from Square that sent you this email message also stated that you may reply with further questions.
Final Consumer Response /* (4200, 11, 2015/09/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I provided information in order to make a purchase, but I did not volunteer that this information be linked to subsequent purchases.
I made a purchase charged on 8/11/15 with vendor Kuhn Orchards for $12.85. This vendor used Square, Inc. to process the transaction. I used my MasterCard for this purchase. The vendor was not able to provide a receipt; so, I provided an email address to receive the receipt.
I made another purchase charged on 8/13/15 at Bean & Bite. The vendor used Square, Inc. to process the transaction. I used the same MasterCard for this purchase. Bean & Bite has no relationship with Kuhn Orchards- two separate companies. I received an electronic receipt in my email account. The only difference is I did not provide Bean & Bite with my email address.
This incident leads me to believe that Square, Inc. has my credit card information on their records as there is no way that Bean & Bite could send me their receipt. They did provide me with a paper receipt at the time of the purchase. Again, I DID NOT provide this vendor with my email address.
I gave the vendor my email address for one purchase only. In addition, I did not volunteer that Square, Inc. can store my email address nor my credit card. I provided the appropriate and necessary information for each individual transaction.
On 8/19/15 and 9/1/15, two unauthorized transactions were made on this same card and my bank is currently investigating these fraudulent charges. Since I opened this account in the 1990s, I have NEVER had unauthorized transactions on it.
Truthfully, I am surprised at Square, Inc.'s defensive stance. All their responses including previous interactions with representative have been in this light. I don't mind that my card information is used for specific transactions, but I did not want it interconnected with other transactions. Cyberfraud is a serious issue and cybersecurity experts are now indicating that it is not a matter of whether or not sensitive information is hacked, but when if will be hacked: e.g. OPM, Anthem, United, Home Depot, Target and so on.
[redacted]

Hello [redacted], Thanks for writing in. Square has deactivated your account per your request. Please note that you are still responsible for any refunds or disputes from your buyers, regardless of your Square account status. For more information, please see Squares Terms.

Your case has been escalated to Square Cash Disputes Team, please keep an eye out as a member of the team reaches out to you.

Phone support is available for all active Square users. A customer code is required for proper routing and security.

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 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 60 days of the original payment.

Square was not able to locate the account you are referring to. So that Square can look into this for you, Square will need you to provide the following information: The email & phone number that was used to open the Square account, the business name and activation name used to open the account. Once Square receives this information, Square will be able to investigate further.

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Hello, Square is sorry to inform you that Square is deactivating 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 our policies, you can review section 36 of the Square Payment Terms. Square regrets to inform you 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 Square 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, Square's decision to deactivate your account is final. Due to security reasons and the obligations of Square's agreements with card networks and other financial institutions, Square cannot reverse this decision and are unable to provide additional details.

Please refer to the email that was sent to you on August 25: 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. 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. 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. Since your account was disabled on August 25, these funds will be released on November 23.

Hello, We’re sorry to inform you that we deactivated your account. We reviewed your account and found that your business is prohibited by Section 6 of the Square Seller Agreement, which means we cannot process payments related to your business. We apologize for any...

inconvenience this may cause. Sincerely,TaylorSquare Compliance_squareup.com/help_ (https://squareup.com/help)

Hello, you can contact Square directly through Square's official website to resolve your issue. A customer code can be generated for you through here: https://squareup.com/help/us/en

Initial Business Response /* (1000, 5, 2015/12/29) */
This claim has been resolved and your account has been credited with all outstanding deposits. Please refer to the latest email correspondence between you and Square for additional questions or concerns.

Initial Business Response /* (1000, 5, 2015/12/31) */
According to Square's Merchant User Agreement Article 42. Suspension or Termination by Us: "We may terminate this Agreement and close your Square Account for any reason or no reason at any time upon notice to you. We may also suspend the...

Services and access to your Square Account (including the funds in your Square Account) if you (a) have violated the terms of this Agreement, any other agreement you have with Square, or Square's policies, (b) pose an unacceptable credit or fraud risk to us, or (c) provide any false, incomplete, inaccurate, or misleading information or otherwise engage in fraudulent or illegal conduct."
The decision to deactivate your account is final. Any funds currently in your account will be held for 90 days. If you do not wish to wait the 90 days, you may issue a refund at any time within 60 days of the date of the transaction. To learn more about issuing refunds, please reference this article found on the online Help Center: [redacted]
Initial Consumer Rebuttal /* (3000, 7, 2016/01/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have refunded all customers and lost business because of this company! This response is not acceptable. It is not acceptable to say, we can do it just because we want to! This company has thousands of complaints against then. Further action needs to be taken. They are thieves trying to cheat people! What is fraudulent about taking prepaid gift cards?? They have been paid for clearly since they have money available. Not to mention it was the holidays so everyone is getting gift cards. So again NO THIS IS NOT ACCEPTABLE!!
Final Business Response /* (4000, 9, 2016/01/18) */
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 account. This activity is a violation of the Square Seller Agreement.
According to Section 47 of Square's Seller Agreement: "All transactions taken with Square must represent a bonafide sale of a good our service. Excessive gift card use is an indication of a violation of this term. "47. 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 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 42. 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 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."

Square can confirm that this payment was declined because this seller does not support the Cash Card. This may be because the Cash Card is a prepaid debit card and some sellers do not support this type of debit card. In order to process this payment, you will need to provide the seller with an...

alternative payment method. If you would like to Cash Out your funds in your Cash account, you can go ahead and Cash Out to your linked debit card or to your bank account number and routing number.

Please see last response, Square doesn't release policies and procedures beside what is posted on our TOSV, thanks

Please refer to the email correspondence sent by Square on 3/30/16. I looked at your Cash account and can confirm these funds have already been successfully delivered to your recipient. Square is unable to cancel Cash transactions after they've completed transferring to your recipient's account....

However, you're able to request the same amount of money from your recipient with the Cash app or by email to receive the equivalent amount of money back.If you're unable to resolve the matter with the recipient, please contact your card-issuing bank for assistance.Let me know if you have any further questions.

Hi, Thanks for reaching out. So that I can look into this for you, I’ll need you to provide the following information: The email & phone number that was used to open the Square account
Once I receive this information, I’ll be able to investigate further.