Flick Enterprises Inc

Please refer to the latest email correspondence sent by Square on 5/18/**.Hello [redacted],Thanks for writing in.Per our conversation, please provide the following information:1. A copy of your driver’s license (in lieu of a government-issued business document).2. An invoice or some other documentation...

reflecting the payments processed with Square.3. Your three most recent bank statements for the bank account linked to your Square account.Please respond directly to this email with the documentation attached in either PDF or JPEG format.Thank you for using Square.

Please refer to the following email sent on [redacted] 28: Hello [redacted],Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional 60 days.Thank you for understanding.Sincerely,Square Account Services

Complaint: [redacted]I am rejecting this response because:
 
they have already held held my money for more than 60 days before cancelling my account. I cannot give refunds for two reasons: 1.) it has been more than 60 days since payment was taken and 2.) services have already been rendered for payment. If I give a refund now, I am not guaranteed the client will pay again. 
It took several emails from me regarding when they would give me my deposits before they responded that they were closing my account. They have already held my money for more than 60 days. They should not be able to hold it for another 90 days.
Sincerely,[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 account. To process a refund, log in to the Square Dashboard from a computer.1. Use the date selector tool to locate the specific payment.2. Click the payment you’d like to refund, then click “Issue Refund.”3. Select the reason you’re refunding the payment, and click “Issue Refund.”Refunds typically take 2 business days to process but can take up to 7 business days. The full purchase amount, including the fees, is always returned to the cardholder.

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, [redacted]

From: [redacted]] Sent: Tuesday, November 08, [redacted] 11:59 AM To: info <[email protected]> Subject: Complaint #[redacted] Hi, I settled the complaint with Square. Thank you so much for helping. I would like to close the complaint. They released the funds to...

my bank account. Thank You [redacted]

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Hi, Thanks for reaching out. 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. Once...

Square receives this information, Square will be able to investigate further.

Complaint:[redacted]I am rejecting this response because: I keep getting the same "copy and paste" response from Square regarding this complaint. I still have yet to receive a refund, and no ligitiment explanation. U.S. Records has been in business for 9+ years. We were convinced to switch from our current processing company to Square, with promises of lower fees and better customer service. Everything ran smoothly for three months, until I had to reach out to a customer service represintive. I was on hold the first time for 3 hours. I was inquiring why they had processed my payments from costumers yet failed to deposit funds into my bank account. I was advised I would have them deposited in 1-2 days and I had been waiting for over a week. I was told I needed to pay an extra percent to have the money deposited that day. The second time I called, hold time was only 2 hours, however I was a little more angry because I was tired of their lies by that point. I then received an email stating my 9 year business was considered "risky"?! What? I had not received a charge back and all my reviews from customers were A+. So what's the real reason? I don't know, they won't tell me.. I keep getting the same copy and paste response. But I assume it's because they want companies that do not need to utilize their Customer Service department, as they are obviously understaffed. I want all the money Square owes me and I should ask for the money that was unable to make for the few days it took to reopen the account with my old processing company. So, it reall should be $[redacted] instead of $[redacted]. This company is not reliable and they lie. I still want to know how they have an A+ rating with the Revdex.com with 4000 complaints (I'm sure that number is claiming) 
Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/11/04) */
Square does not have the rights to dispute payments on behalf of cardholders. 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.
For more information about troubleshooting Square Cash transactions, please visit:
https://squareup.com/help/us/en/article/5136-square-cash-troubleshooting
For more information about the security of sending money through Square Cash, please visit:
https://squareup.com/help/us/en/article/5144-square-cash-security
Initial Consumer Rebuttal /* (3000, 7, 2015/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Again. Square does not address the issue.
The company has no protocols that protect the consumer. Or their responses reflect a refusal to protect the consumer and/or merchant.
Square's response is to contact the bank. Which bank? Both banking institutions are only the holder of the funds. Square is the medium that facilitates the transfer. In addition, their canned responses are links if payment has not been received.
To reiterate my point, Sqauare's response opens the door for future fraud with no protection from manipulating parties.
The responsibility to protect the buyer and the seller should rest in Square's shoulders. For example, their competitor Paypal offers this protection:
13. Protection for Buyers.
13.1 Types of Problems Covered. PayPal Purchase Protection (also known as PayPal Buyer Protection) helps you if you encounter either of these problems:
You did not receive the item you paid for with PayPal - "Item Not Received" (INR), or
You received an item you paid for with PayPal but it is "Significantly Not as Described" (SNAD) (as described below)
Final Business Response /* (4000, 9, 2015/11/24) */
Square is unable to process refunds on behalf of merchants. If you have filed a dispute, Square will work directly with your bank once they receive notification of the billing dispute. Square does not have the rights to assist buyers with complaints or payment disputes.
Security is Square's top priority. If you would like more information about the security of purchasing through Square please see our privacy and security page here:https://squareup.com/help/article/3796
Final Consumer Response /* (4200, 11, 2015/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Again, Square is not addressing the issue. Instead of answering the direct question, they are responding with canned responses that does not address the issue/question.
I did file a dispute with Bank of America. Bank of America got a response from Square stating, "Cash or Load Transaction Value disbursed correctly."
The was a question by Bank of America of Delivery Information? "Has the Merchandise been delivered?"
Square response: BLANK
RE: Their privacy and security. Again another canned response that does NOT answer the issue of consumer protection against FRAUD, not PRIVACY.

Square is sorry to hear that the recipient hasn’t seen this money yet – once a payment is initiated and the money leaves your account, recipients can expect to see the deposit reflected on their card statement within 1-2 business days. Please ask the recipient to check their bank statement for a...

credit that includes your name, and may be labeled “SQC*.” If the recipient is still having trouble finding their money, feel free to reply to Square with their email address – and Square can reach out to them directly.

Initial Business Response /* (1000, 5, 2015/11/17) */
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: https://squareup.com/help/en-us/article/5060-process-refunds

(The consumer indicated he/she DID NOT accept the response from the business.)I did not receive a email from Square inc. The situation is still not being addressed. Take responsibility and keep your promise to your customers. You promise a free card reader, deliver please.

Complaint: [redacted]I am rejecting this response because: the money has not returned to [redacted] bank and it has been 3 months since the transaction. They need to refund her because her bank states it went into my account. Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
This is the same exact response I rejected.Sincerely,[redacted]

Unfortunately, this is something that all Square users are experiencing and will happen with any third party API payments.  Square has received this feedback and will forward it though to Square's development team to be aware of this issue.

Initial Business Response /* (1000, 5, 2015/12/01) */
Upon further review, a member from Square's Account Services team emailed you on November 17, 2015 and this issue is resolved. The message states: "Square's standard deposit schedule automatically sends payments as one lump sum every evening but...

Saturday. Payments processed before our cutoff time are deposited the same day and generally post to your bank account the following morning. Payments processed after our cutoff time take one extra business day."

Please refer to the latest correspondence sent by Square on 5/20/**. Hello,Thank you for contacting Square and I am sorry you have been having issue with another Square merchant. The fastest way to get this resolved is to go directly through your credit card or card issuing bank and file a...

dispute.Square is not able to process a refund for the payment in question. You need to contact your bank or credit card company and dispute the charge. Once that happens and we receive notification of the billing dispute from your bank or card issuer, we will work with them to resolve the dispute as quickly as possible.We understand that you may be due a credit and will do what we can to streamline the return of any owed funds to your account.Please let me know if I can do anything else for you.

Complaint: [redacted]I am rejecting this response because:
Gettng paid from My customers is NOT suspicious activity!, 
AND Square wanted Me to give out my customers information!
 
So, I'd like to ask anyone that reads this to ask themselves.. which 
was suspicious activity??
 
And I'd like  everyone that uses Square, or is considering useing Square
to go look up the complaints about Square, and decide if they really want 
to use a company that won't have a problem with Your transactions untill
You try getting paid for a few thousand dallors, at which point Square decides 
it's worth loosing a few customers to TRY and hold their money for 90 
days and collect interest on it all the while.
 
Use Your best judgment.
thats all I ask.
Sincerely,[redacted]

Please refer to the following email sent on [redacted] 22: 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. 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."If there is additional information about your transactions or your business that you would like us to take into consideration of an early funds release or a full reactivation of your account, please submit that information here. Our Account Services team will review your request and you should receive a response within 2 - 3 business days. Again, we apologize for any inconvenience this may have caused. Sincerely, Square Account Services

I am rejecting this response because: My bank informed me that there are no pending deposits and my friends bank has not refunded the money to her account. How do we go about canceling the payment? It has been well over 14 days, the payment has not been claimed and there is still no cancel option.
 
If your "friends" bank has not refunded the money to her account we recommend they file a claim with the bank.