Initial Business Response / [redacted] (1000, 10, 2015/08/11) */ Hello, A message was sent to you on July 10, stating that your account had been reviewed and that a recent payment was in violation of Square's Terms of serviceThe message also stated: "Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square accountThe Square Terms of Service also prohibit using Square as a money transfer systemYou must provide a legitimate good or service in exchange for every payment processed with Square" Upon further investigation, a member from Square's Account Services Team reached out to you through an email sent on July 13, stating that your account had been returned to good standing and re-enabled to accept regular deposits to your linked bank account after you had refunded the payment found to have been in violation of Square's Terms of Service Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This does not resolve anythingI asked them several times specifically for a reason as the transaction did not fit any of those criteria "Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square accountThe Square Terms of Service also prohibit using Square as a money transfer systemYou must provide a legitimate good or service in exchange for every payment processed with Square" It lists several possible issues with the transaction; however, when I asked what the actual issue was so I can resolve it I just kept receiving that responseTo this day I am still unclear what the actual issue wasIt was for parts for a customer and they paid with a company cardThe funds were held and as I sat there trying for almost a week to get the real issue as why the funds were being held, I got no where and eventually they completely stopped replying to my inquiresWas this issue supposed to be in violation because of the card used, or Square didn't think it matched their definition of legitimate goods and services? Final Business Response / [redacted] (4000, 14, 2015/08/31) */ Hello, Upon further investigation, a member from Square's Account Services Team reviewed your account and found some payments that violate the Square Terms of ServiceThe payment was refunded by you and your account has been returned to good standing and enabled for deposits For security purposes, Square cannot disclose further details regarding this matter
Complaint: [redacted] I am rejecting this response because: It's almost year and the founds is still pending with out options to refund back the card .More than days that you said Sincerely, [redacted]
Hello,When you started an account with Square, you agreed to Square’s Payment TermsSection of these terms states “Square may request additional information from you at any timeFor example, Square may ask you to present invoices from your suppliers, a government issued identification such as a passport or driver’s license, a business license, or other informationSquare may also ask for permission to inspect your business locationIf you refuse any of these requests, your Square Account may be suspended or terminated.”This also corresponds with Section of the Payment Terms, which states "We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the ServicesWe also may defer payout or restrict access to your Proceeds as necessary to comply with applicable law or court order, or if requested by any governmental entity."Square exercised these terms when Square’s Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityA pattern of chargebacks from payments taken through your Square account is included in the general reasons why Square might conduct a review.When you created your Square Account, you also agreed to Square’s Payment Terms stating that you would be liable for any chargeback-related balanceFor more information, you may review Section 14, and of Square’s Payment Terms (Found [redacted] Also included in Section of Square’s Payment Terms is Square’s policy regarding offsets for connected accounts; “To the extent permitted by law, we may set off against the Balances for any obligation you owe us under any agreement with Square (e.g., Chargebacks or refunds)If you owe us an amount that exceeds your Balance, we may charge or debit a payment instrument registered in your Square Account or any connected Square Account (as well as set off against any Balance in any connected Square Account)Your failure to fully pay amounts that you owe us on demand will be a breach of these termsYou are liable for any of our costs associated with collection in addition to any amounts owed, including attorneys’ fees and expenses, collection agency fees, and any applicable interest.”On March 8, Square determined that your account was connected to another Square account, and exercised the right to offset, as described above.Square deactivated your account in accordance with section of Square’s Payment Terms, which states;“Square may Terminate your use of the Payment Services at any time for any reasonAny termination of these terms does not relieve you of obligations to pay Fees or costs accrued prior to the termination, Chargebacks, and any other amounts owed to us as provided in these Payment Terms or the Terms of ServiceIf your access to Payment Services has been terminated, you may still be permitted to use Square’s other products, subject to our discretion.”Square has acted within its rights as described by the agreed-upon Payment TermsAlthough Square has deactivated your account, as of March 25, Square has nonetheless released the hold on both accounts, and any funds currently in your Square balance are available for depositA deposit was made on March to the linked bank for one of the accounts - the other currently does not have a bank linked to it, and will need to relink from the Square Dashboard before funds can be deposited
Complaint: [redacted] I am rejecting this response because: I have been unable to reach squareI am unable to call and the levying officer has also had trouble reaching you guysI understand the tax levy but explain why you are unreachable?Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 8, 2016/02/05) */ According to Square's Merchant User Agreement Article 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 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." Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/02/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The problem had change now the customer had maliciously disputed the transactions saying that he do not know about the transactions, the customer had told me that he told square there are no problem between our transactions before he reported the transactions I already provided all the evidences proving that there are no problem about the transaction, and that the customer definitely is acknowledge about the transactions to Square Square told me that they gave all the evidences I provided to customer's bank, and told me to wait for days until the bank solve the caseIf I lose the case then I can't have MY money But how do I know if Square really gave my evidence to the bank to solveThey can't just simply tell me that I lose the case and Square wouldn't give my money back after daysSquare now is telling me that they gave the case to the bank and they basically take no responsible right nowSquare deducted my money back to my customer's bank already I need Square provide me the evidence showing that they actually gave my case to the bank, and I need the customer's bank contact me about the case, or I can contact the bank regarding this case, then please provide me the contact number of the bankmy phone number is XXXXXXXXXX Final Business Response / [redacted] (4000, 12, 2016/02/19) */ Due to the rights and regulations assessed by the card issuing banks, cardholders can dispute any charge with their financial institutionSquare builds a challenge response with the information you provided to the card issuing bankThe card issuing bank will make a decision based on evidence and if the claim was addressedThe dispute process can take up to days to fully resolveDue to privacy laws, Square cannot release contact information about your customer or their bank
The only way for someone to log in your account is by having access to your phone or email associated with your accountAlso, if you signed into your [redacted] account on someone else's device without signing out, the device owner could click into your account.There isn't a password associated with a [redacted] accountInstead, you're sent a one-time-use confirmation code for every attempt to sign in with your email or phone number.You can also sign out of your account from your device and sign back in so you know you are the only person who has access to this account.I hope this information is helpful! If you need help with anything else, please feel free to reply to me here
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 processIf 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
Your Square account was placed on hold due to a UCC lien notice received by Square with regard to your account.As a reminder, your account must remain on hold until Square receives a release agreement from the lienholder or other applicable court order or documentation that authorizes Square to release the hold on the account.In order to come to a resolution, please work directly with the lien holder, whose information is provided in the email sent on 12/22/ Once Square receives the relevant documentation, Square will follow up with you accordingly.Furthermore, if you would like to receive a copy of the lien, have any questions about the lien, or believe this lien to be in error, please contact the lien holder
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
Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ This claim has been resolved and your account has been credited with all outstanding depositsPlease refer to the latest email correspondence between you and Square for additional questions or concerns
Please refer to the following email sent on [redacted] 29: Hello Joseph, We’re sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about our policies, you can review section of the Square Payment TermsWe regret that, starting today, you will no longer be able to process transactions using SquareAny funds currently in your account will be held for days before being released to your linked bank accountIf 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 days of the original paymentTo process a refund, log in to the Square dashboardUse the date selector tool to locate the specific paymentClick 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 finalDue 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 detailsAgain, we apologize for any inconvenience this may have caused.Sincerely, Square Account Services
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 / [redacted] (1000, 5, 2015/09/28) */ Hello, Upon further investigation, a member from Square Support Team reached out to you on September 18, in response to your email If you have additional questions please reply directly to the last message sent to you by the Square Support Team representative Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response from the businessThey want to use an e-mail as a formal way of contactPayPal for example has a way to file a claim from fraudulent merchants through their website and by phoneSquare is a get over just like the merchant I encounteredThey favor the merchant over the consumerThere's a number for merchants but not for consumers.Very Shady!!! Final Business Response / [redacted] (4000, 9, 2015/10/14) */ Hello, Upon further investigation, a member from Square's Support team reached out to you on September 18, The message states: "Square is not able to process a refund for the payment in questionYou need to contact your bank or credit card company and dispute the chargeOnce 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 possibleWe 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." Final Consumer Response / [redacted] (2000, 13, 2015/10/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, I went to my bank to file a fraudulent claim and was given a refundThe point is the situation shouldn't have had to go to that extentThere should be a protocol in place for both parties not just oneEven now that I watch this company's social account there are buyers complaining about the same problem of not receiving their merchandise and Square Up, Inclack there of of protecting the buyer as well, not just the sellerIt's like the seller is stealing and you're benefiting from the heist in the process, which means you're guilty by associationSituations like this make it hard for the buyer who spends their hard earned dollar and new potential sellersI will not purchase from any company that uses your services as an invoice servicesI'm pretty sure there's thousands of others as wellHave a blessed day!
Hello, Square looked at your Cash account and confirmed these funds were directed to your linked bank account The information necessary for an ACH trace was provided to you by email - Please contact your bank, and speak with your branch’s manager or someone in your bank’s ACH department to help locate these funds, using the information provided
Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ Hello, Upon further investigation, a member from Square's Compliance Team sent you a message through email on June 29, requesting additional information about your account by completing a form available through the Square DashboardThe message states: "Until we have confirmed this information, deposits to your bank account will be deferredDuring this period, you will still be able to accept payments using Square" Square's Compliance Team currently only communicates via email in order to maintain an accurate record of all correspondence and best explain policies and proceduresSquare strives to respond to all inquiries within hours If you require further assistance please reply directly to the email that was sent to you on June 29, by Square's Compliance Team
Complaint: [redacted] I am rejecting this response because: It is verbatim of the 1st and 2nd response I hate to have to repeat myself, but there is no communication, no way for a customer to be able to work this out or at least be given a fair answer as to why this decision was made What is a high risk activity? After being in business years I don't understand the accusations made against us or our business, I want to know and have a RIGHT TO KNOW WHEN THAT KIND OF ACCUSATIONS IS LEVELED AT US Is holding our funds days (Or much longer in some people's cases) make it less high risk? Why aren't the people who had their credit card used for our business complaining? They are not, I have already called the both of them and told them since I feel this is a scam to keep a close on their credit card activity No resolution, it takes parties to come to an agreement over an issue [redacted] Sincerely, [redacted]
Please refer to the following email sent on [redacted] 2: Hello [redacted] , We’re sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about our policies, you can review section of the Square Payment TermsWe regret that, starting today, you will no longer be able to process transactions using SquareA [redacted] funds currently in your account will be held for days before being released to your linked bank accountIf 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 days of the original paymentTo process a refund, log in to the Square dashboardUse the date selector tool to locate the specific paymentClick 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 finalDue 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 detailsAgain, we apologize for a [redacted] inconvenience this may have causedSincerely, Square Account Services
Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional days We may terminate these General Terms or any Additional Terms, or suspend or terminate your Square Account or your access to any Service, at any time for any reasonWe will take reasonable steps to notify you of termination by email or at the next time you attempt to access your Square AccountYou may also terminate the General Terms and Additional Terms applicable to your Square Account by deactivating your Square Account at any time
Hello, A chargeback occurs when a cardholder contacts their bank and asks that a payment be reversedWhen a cardholder initiates a payment dispute, the card issuer requires that the recipient return the funds for that payment to the sender Square challenged the dispute with your sender’s bank, but unfortunately the bank has resolved the dispute in the sender’s favor.Because this resolution is final, Square no longer has rights within the credit card networks to continue challenging this payment disputeIf you do not agree with this outcome, you must resolve it directly with the sender
Initial Business Response / [redacted] (1000, 10, 2015/08/11) */ Hello, A message was sent to you on July 10, stating that your account had been reviewed and that a recent payment was in violation of Square's Terms of serviceThe message also stated: "Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square accountThe Square Terms of Service also prohibit using Square as a money transfer systemYou must provide a legitimate good or service in exchange for every payment processed with Square" Upon further investigation, a member from Square's Account Services Team reached out to you through an email sent on July 13, stating that your account had been returned to good standing and re-enabled to accept regular deposits to your linked bank account after you had refunded the payment found to have been in violation of Square's Terms of Service Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) This does not resolve anythingI asked them several times specifically for a reason as the transaction did not fit any of those criteria "Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square accountThe Square Terms of Service also prohibit using Square as a money transfer systemYou must provide a legitimate good or service in exchange for every payment processed with Square" It lists several possible issues with the transaction; however, when I asked what the actual issue was so I can resolve it I just kept receiving that responseTo this day I am still unclear what the actual issue wasIt was for parts for a customer and they paid with a company cardThe funds were held and as I sat there trying for almost a week to get the real issue as why the funds were being held, I got no where and eventually they completely stopped replying to my inquiresWas this issue supposed to be in violation because of the card used, or Square didn't think it matched their definition of legitimate goods and services? Final Business Response / [redacted] (4000, 14, 2015/08/31) */ Hello, Upon further investigation, a member from Square's Account Services Team reviewed your account and found some payments that violate the Square Terms of ServiceThe payment was refunded by you and your account has been returned to good standing and enabled for deposits For security purposes, Square cannot disclose further details regarding this matter
Complaint: [redacted] I am rejecting this response because: It's almost year and the founds is still pending with out options to refund back the card .More than days that you said Sincerely, [redacted]
Hello,When you started an account with Square, you agreed to Square’s Payment TermsSection of these terms states “Square may request additional information from you at any timeFor example, Square may ask you to present invoices from your suppliers, a government issued identification such as a passport or driver’s license, a business license, or other informationSquare may also ask for permission to inspect your business locationIf you refuse any of these requests, your Square Account may be suspended or terminated.”This also corresponds with Section of the Payment Terms, which states "We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the ServicesWe also may defer payout or restrict access to your Proceeds as necessary to comply with applicable law or court order, or if requested by any governmental entity."Square exercised these terms when Square’s Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityA pattern of chargebacks from payments taken through your Square account is included in the general reasons why Square might conduct a review.When you created your Square Account, you also agreed to Square’s Payment Terms stating that you would be liable for any chargeback-related balanceFor more information, you may review Section 14, and of Square’s Payment Terms (Found [redacted] Also included in Section of Square’s Payment Terms is Square’s policy regarding offsets for connected accounts; “To the extent permitted by law, we may set off against the Balances for any obligation you owe us under any agreement with Square (e.g., Chargebacks or refunds)If you owe us an amount that exceeds your Balance, we may charge or debit a payment instrument registered in your Square Account or any connected Square Account (as well as set off against any Balance in any connected Square Account)Your failure to fully pay amounts that you owe us on demand will be a breach of these termsYou are liable for any of our costs associated with collection in addition to any amounts owed, including attorneys’ fees and expenses, collection agency fees, and any applicable interest.”On March 8, Square determined that your account was connected to another Square account, and exercised the right to offset, as described above.Square deactivated your account in accordance with section of Square’s Payment Terms, which states;“Square may Terminate your use of the Payment Services at any time for any reasonAny termination of these terms does not relieve you of obligations to pay Fees or costs accrued prior to the termination, Chargebacks, and any other amounts owed to us as provided in these Payment Terms or the Terms of ServiceIf your access to Payment Services has been terminated, you may still be permitted to use Square’s other products, subject to our discretion.”Square has acted within its rights as described by the agreed-upon Payment TermsAlthough Square has deactivated your account, as of March 25, Square has nonetheless released the hold on both accounts, and any funds currently in your Square balance are available for depositA deposit was made on March to the linked bank for one of the accounts - the other currently does not have a bank linked to it, and will need to relink from the Square Dashboard before funds can be deposited
Complaint: [redacted] I am rejecting this response because: I have been unable to reach squareI am unable to call and the levying officer has also had trouble reaching you guysI understand the tax levy but explain why you are unreachable?Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 8, 2016/02/05) */ According to Square's Merchant User Agreement Article 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 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." Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/02/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The problem had change now the customer had maliciously disputed the transactions saying that he do not know about the transactions, the customer had told me that he told square there are no problem between our transactions before he reported the transactions I already provided all the evidences proving that there are no problem about the transaction, and that the customer definitely is acknowledge about the transactions to Square Square told me that they gave all the evidences I provided to customer's bank, and told me to wait for days until the bank solve the caseIf I lose the case then I can't have MY money But how do I know if Square really gave my evidence to the bank to solveThey can't just simply tell me that I lose the case and Square wouldn't give my money back after daysSquare now is telling me that they gave the case to the bank and they basically take no responsible right nowSquare deducted my money back to my customer's bank already I need Square provide me the evidence showing that they actually gave my case to the bank, and I need the customer's bank contact me about the case, or I can contact the bank regarding this case, then please provide me the contact number of the bankmy phone number is XXXXXXXXXX Final Business Response / [redacted] (4000, 12, 2016/02/19) */ Due to the rights and regulations assessed by the card issuing banks, cardholders can dispute any charge with their financial institutionSquare builds a challenge response with the information you provided to the card issuing bankThe card issuing bank will make a decision based on evidence and if the claim was addressedThe dispute process can take up to days to fully resolveDue to privacy laws, Square cannot release contact information about your customer or their bank
The only way for someone to log in your account is by having access to your phone or email associated with your accountAlso, if you signed into your [redacted] account on someone else's device without signing out, the device owner could click into your account.There isn't a password associated with a [redacted] accountInstead, you're sent a one-time-use confirmation code for every attempt to sign in with your email or phone number.You can also sign out of your account from your device and sign back in so you know you are the only person who has access to this account.I hope this information is helpful! If you need help with anything else, please feel free to reply to me here
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 processIf 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
Your Square account was placed on hold due to a UCC lien notice received by Square with regard to your account.As a reminder, your account must remain on hold until Square receives a release agreement from the lienholder or other applicable court order or documentation that authorizes Square to release the hold on the account.In order to come to a resolution, please work directly with the lien holder, whose information is provided in the email sent on 12/22/ Once Square receives the relevant documentation, Square will follow up with you accordingly.Furthermore, if you would like to receive a copy of the lien, have any questions about the lien, or believe this lien to be in error, please contact the lien holder
Complaint: [redacted] I am rejecting this response because I will be going to the [redacted] Attorney General.Sincerely, [redacted]
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
Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ This claim has been resolved and your account has been credited with all outstanding depositsPlease refer to the latest email correspondence between you and Square for additional questions or concerns
Please refer to the following email sent on [redacted] 29: Hello Joseph, We’re sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about our policies, you can review section of the Square Payment TermsWe regret that, starting today, you will no longer be able to process transactions using SquareAny funds currently in your account will be held for days before being released to your linked bank accountIf 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 days of the original paymentTo process a refund, log in to the Square dashboardUse the date selector tool to locate the specific paymentClick 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 finalDue 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 detailsAgain, we apologize for any inconvenience this may have caused.Sincerely, Square Account Services
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 / [redacted] (1000, 5, 2015/09/28) */ Hello, Upon further investigation, a member from Square Support Team reached out to you on September 18, in response to your email If you have additional questions please reply directly to the last message sent to you by the Square Support Team representative Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response from the businessThey want to use an e-mail as a formal way of contactPayPal for example has a way to file a claim from fraudulent merchants through their website and by phoneSquare is a get over just like the merchant I encounteredThey favor the merchant over the consumerThere's a number for merchants but not for consumers.Very Shady!!! Final Business Response / [redacted] (4000, 9, 2015/10/14) */ Hello, Upon further investigation, a member from Square's Support team reached out to you on September 18, The message states: "Square is not able to process a refund for the payment in questionYou need to contact your bank or credit card company and dispute the chargeOnce 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 possibleWe 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." Final Consumer Response / [redacted] (2000, 13, 2015/10/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, I went to my bank to file a fraudulent claim and was given a refundThe point is the situation shouldn't have had to go to that extentThere should be a protocol in place for both parties not just oneEven now that I watch this company's social account there are buyers complaining about the same problem of not receiving their merchandise and Square Up, Inclack there of of protecting the buyer as well, not just the sellerIt's like the seller is stealing and you're benefiting from the heist in the process, which means you're guilty by associationSituations like this make it hard for the buyer who spends their hard earned dollar and new potential sellersI will not purchase from any company that uses your services as an invoice servicesI'm pretty sure there's thousands of others as wellHave a blessed day!
Hello, Square looked at your Cash account and confirmed these funds were directed to your linked bank account The information necessary for an ACH trace was provided to you by email - Please contact your bank, and speak with your branch’s manager or someone in your bank’s ACH department to help locate these funds, using the information provided
Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ Hello, Upon further investigation, a member from Square's Compliance Team sent you a message through email on June 29, requesting additional information about your account by completing a form available through the Square DashboardThe message states: "Until we have confirmed this information, deposits to your bank account will be deferredDuring this period, you will still be able to accept payments using Square" Square's Compliance Team currently only communicates via email in order to maintain an accurate record of all correspondence and best explain policies and proceduresSquare strives to respond to all inquiries within hours If you require further assistance please reply directly to the email that was sent to you on June 29, by Square's Compliance Team
Complaint: [redacted] I am rejecting this response because: It is verbatim of the 1st and 2nd response I hate to have to repeat myself, but there is no communication, no way for a customer to be able to work this out or at least be given a fair answer as to why this decision was made What is a high risk activity? After being in business years I don't understand the accusations made against us or our business, I want to know and have a RIGHT TO KNOW WHEN THAT KIND OF ACCUSATIONS IS LEVELED AT US Is holding our funds days (Or much longer in some people's cases) make it less high risk? Why aren't the people who had their credit card used for our business complaining? They are not, I have already called the both of them and told them since I feel this is a scam to keep a close on their credit card activity No resolution, it takes parties to come to an agreement over an issue [redacted] Sincerely, [redacted]
Please refer to the following email sent on [redacted] 2: Hello [redacted] , We’re sorry to inform you that we are deactivating your accountOur Account Services team reviewed your account and found a pattern of transactions associated with high-risk activityFor further information about our policies, you can review section of the Square Payment TermsWe regret that, starting today, you will no longer be able to process transactions using SquareA [redacted] funds currently in your account will be held for days before being released to your linked bank accountIf 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 days of the original paymentTo process a refund, log in to the Square dashboardUse the date selector tool to locate the specific paymentClick 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 finalDue 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 detailsAgain, we apologize for a [redacted] inconvenience this may have causedSincerely, Square Account Services
Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional days We may terminate these General Terms or any Additional Terms, or suspend or terminate your Square Account or your access to any Service, at any time for any reasonWe will take reasonable steps to notify you of termination by email or at the next time you attempt to access your Square AccountYou may also terminate the General Terms and Additional Terms applicable to your Square Account by deactivating your Square Account at any time
Hello, A chargeback occurs when a cardholder contacts their bank and asks that a payment be reversedWhen a cardholder initiates a payment dispute, the card issuer requires that the recipient return the funds for that payment to the sender Square challenged the dispute with your sender’s bank, but unfortunately the bank has resolved the dispute in the sender’s favor.Because this resolution is final, Square no longer has rights within the credit card networks to continue challenging this payment disputeIf you do not agree with this outcome, you must resolve it directly with the sender