Square

Adding insult to injury, I was informed via this email that they would further be holding my funds for 90 days. I was given no as to how I had violated their terms of service, nor was I given any avenue of recourse. It seemed to be a simple "out of luck" situation. I could not even get anyone on the phone, because the "customer number" they give you, only led to a recording, explaining that my account was in violation, and that my funds would be held for the duration mentioned in the email.

The recording said I could contact Square, however, they gave no means of contact or email, only a link to a FAQ section on their site, with a link to a copy of their terms of service. I read these carefully, and considerately, and cannot find where I am in violation of their terms. I wasn't given any chance to explain myself, or correct whatever might have been a mistake on my verification forms. I would just like my money that I earned from this company, and I do not think it is fair or legal that they hold my funds until December 31st or 90 days. I've filed complaints with the BBB & the FTC, but am hoping that I ACTUALLY even get to see my money at some point. If anyone has had any luck in recovering their funds, please contact me or comment.

It has been 3 weeks still no check in the mail and I keep sending emails no response. Can't get hold of anyone over there to find out where my $1300.00 is. I'm so frustrated with this company and my last option is taking them to small claim court or get an attorney involved. It's a big shame for founder of this company who also is the founder of Twitter. Be aware of doing business with Square.

I go to my account and it is UNDER REVIEW, they did this before when I took a payment over $2500 and they held the funds. This week my account is under review again though I DID NOT ASK FOR MY LIMIT TO BE RAISED. I JUST WANTED SOME INFORMATION!! So now they want 3 months of bank statement and I say NO WAY. I don't trust these people. They put you on hold with different levels of service based on how they rate you and sometimes you can't even call them, they make you log in then enter a code when you call, then they have a system which at times they will say you aren't eligible to talk to them.

The guy today was rude and I told him I didn't ask for a review at all or an increase. Just wanted info. He said "Well it already started" and said if I didn't want to send the documents then they would send an email with their decision and HUNG UP! Frigging punk!! And it says "If you don't SEND THE DOCUMENTS your account remains suspended!!" So I called up after using them for a year to ask a question they didn't have and they suspend my account?? DO NOT USE THESE IDIOTS! If you get a payment and want to deposit immediately they charge an extra 1% and are taking up to over 4% of your money and provide the worst, most arrogant, incompetent service of all time!

It took 8 days for them to respond after their email stating a response would come in 1-3 days. Then the emails don't even make sense then suspend my account for a review that I didn't ask for. Like the guy said in other review he was wondering if they are morons? They are arrogant, ignorant morons without the slightest interest in anything but taking your money!

We had a customer submit a chargeback for 4 months of services totaling $4000.00 with our company (something that they had received for 2 years). We submitted contracts and over 80 pages of supporting documents which included emails and proof of services received and rendered. We won the first round and then the customer submitted a one page fraudulent letter that they requested to stop services immediately back in December 2016 which was a lie because we continued to provide services for December, January, February, March and April 2017 before the dispute was submitted late April 2017.

Also, we require a 30 day notice and you can't stop services effective immediately per our contract. Again, we submitted all of the documents and then received email from SQUARE that it was resolved in customers favor. We were told by SQUARE that it is the cost of doing business. We could take them to small claims court, etc but it was done with SQUARE and they couldn't provide us with THEIR CC company information and that it was protected by law. We knew it was MasterCard, but that was it.

Of course, we didn't receive the SQUARE dispute protection because of the amount (so don't pick SQAURE for this reason as you will never receive it). We were also told by Square representative that sometimes the CC companies let the customer win if they are good customers that use their card a lot. We know that the customer that initiated the chargeback probably spends about $200,000 a year with their MasterCard. But, that doesn't mean that they should be allowed to STEAL and file fraudulent disputes that cost businesses AND ultimately all customers with higher fees, etc. Legal contracts should be upheld and theft shouldn't be tolerated.

In addition, the process of dispute stunk. We were provided with NO information on the dispute other than a 1 sentence reason code. First time, customer said services not received. When we proved that and won, they submitted dispute as customer requesting credit. That was it. Not even sure that Square submitted all of our documents. Plus, it is HARD to submit supporting evidence to SQUARE. It is not user friendly and it is very time consuming. We had 100% of the documentation and proof. This should have been a slam dunk! Also, in almost 40 years of business we have always won 100% of chargebacks prior to SQUARE. Now, with SQUARE we lost?!

Please heed our warning and go with traditional merchant processing company with good customer support (hours, options like chat/email/phone) AND will protect you against fraudulent claims and disputes so you CAN stay in business. So, we are moving back to traditional Merchant Credit Card processing company. Someone needs to look into Square regarding their business practices, etc??? Too many complaints here to not open an investigation. BUSINESS AND BUYER BEWARE.

I sent in almost the exact same information in again a second time but this time they required my contractors' license and my business license. This is an insane request for a company that is supposed to be collecting money between parties and dispersing it accordingly. Due to the fact that I needed my money very bad to pay the employees I had used and my own personal bills I sent everything requested but this company is a joke. The customer service agent I spoke with didn't even understand why I needed to do a second verification.

It was two different departments doing separate freezes and checks and no way to communicate between departments to OK it from the other department. It took me 5 days to get my money and that may not seem long but in those 5 days Square was consuming my life. I was constantly dealing with emails and submitting forms and trying to get a hold of someone. If I hadn't been efficient and on top of the process the entire time it might have taken twice as long. I'M CANCELLING SQUARE IMMEDIATELY!

Oh, and on top of this, my boss is so busy he generally does not have time to put in a customer name. I called Square, asked them to help me with a few sales in looking up customers' names so I know for sure which account the payments should be processed to, they will not help me!!! Seriously, you have our bank account number and all our personal business info which I can provide and you can't give me a last name on a sale a few months ago!!! Useless!!!

We get buying reports and can customize our business on when and how our customers purchase. It's AMAZING! We get calls every day from credit card processors begging for our business and we will never change. It's the best and we are thankful that we finally have a processor that doesn't have hidden fees or hidden charges and just does what they should do without any hassle... process cards! Unless Square duplicated, we won't be using another processor ever!

Since the new AT&T CEO took over service has been service completely crappy. No help from any senior service member. I have been told by senior staff if you don't like it switch service. Think about it - my bill 5 lines costs me $265 plus pending the month, that's more expensive than some car payment let alone car ins. payment. Ok well for my payment of service this is what they have done. I was in a corporate store 4 times in one day 16th of June. They told me "Well I have no idea why your phone getting shut off." I had it turned on but then had the store close.

Mind you. They cost me between employees not being able to find me because my service was shut off again. Not including vendors I could not get a hold of. It cost me 1200 cash. Well come to find out I had a service payment arrangement for the 19th and was told by the GM in a corporate store that AT&T is breaking arrangement. I must pay now, fine. I have to work but funny thing they shut it off again.

Ok so WTF... I spent 2 working days to find out they finally decided. Decision was I lost that phone 1 and 1/2 years ago. Reported it recovered within 2 days and decided to put it on the watch list. So once again I was told "Switch service, leave." My bills with them have been paid on time 13 years??? They are too big. Over half of their customer service would be fired because they discredit their own company. They sub 90 percent if not more out of the USA that are working 24 hour shifts. They run in 2 shifts and have been told that by 611 agents. Stay away unless you like giving to work to 3rd world countries and not ours... As it is we have no choice in service and can do nothing. PLEASE SIGN UP FOR AT&T SO YOU CAN FEEL AS DUMB AS I DO.

Just received this email from them this morning...“Thank you for writing in and for your interest in Square Capital. Per the notice sent on 5/23/17, your loan through Square Capital was declined due to: A review of your account indicates you are subject to a lien or other financial claim against your business. This decision was based on both: Financial crimes associated with the Square account holder’s name. Outstanding lien associated with the Square account holder’s name.

We have reviewed the decision and have determined the decision to be final. Please note that this decision is based on Square Capital’s internal proprietary evaluation of your Square account. Our decision does not include publicly available credit reporting information. Although we are unable to approve your request for a loan through Square Capital at this time, this decision does not affect your ability to accept payments with Square. We periodically review eligibility and will notify you if you become eligible at a later time. If you have additional questions regarding your decline or future eligibility, feel free to view our FAQs online. Thank you for your understanding. Please let me know if you have any questions.”

I'm a bit taken back as none of this is true. So where did they get this information? They wont tell you. I let them know that they have incorrect data and should look a bit deeper into my account as they have lent me quite a bit of Capital in the past. They have no explanation...

Square was suppose to distribute or payout the money after 2 or 3 days into my account. So far, the money has never been paid out to me (my bank) and Square is sending me recovery notices for money they never processed or paid out to me. Where did the customer's money go? It is such a small amount that it seems logical that an employee is stealing people's money. I never received a payout of the funds from Square.

The next day I processed another new client through online invoicing in the amount of $1,995.00. The client paid and the invoice and the payment hit my Square account. Just before the money was to be deposited in my bank account, Square sends me another auto generated email requesting verification. I provided company bank statements, business filings from the state of Florida, a signed contract from a client, anything that they needed to support the legitimacy of my business. 2 hours later I received an email stating they have closed my account and the money in the account that was just paid would have to stay there for 90 days for it to process.

The email message stated the decision was final and they could not discuss the matter further. Needless to say, my week long ordeal with Square has been beyond any description of frustration. No one to talk to, discuss with, basically you can't do anything about it. I am going to voice this experience with every online review I can find. Square is a sorry excuse for customer service, customer relationship. They are a big, massive conglomerate that bully the little guy with no consequences. Run. There are better services that treat people like humans.

Square is kind of shaky business. Each time we wanted to close our shift and pushed the INSTANT DEPOSIT, one went through fine and the next shift couldn't use the instant deposit to close the shift. Then I got a message account is under review. My transaction weren't big at all. $20 to $250. They don't want you to use INSTANT DEPOSIT, option is there, they will make an extra 1% off of you. I tried setting my deposits for the next day. Ran few charges and same again. Didn't see any money in my account and again account went under review.

I called their customer service and complained about the way my account goes into review almost every 8 hours and no hitch with PayPal. First they don't like to hear anything about competition. They run a nazi camp in Square. Rude customer service. If you have an accent then you are screwed. Customer service said my account looks good, no chargeback and no other issues and said to wait til the next day. So I saw the INSTANT DEPOSIT option available and wanted to use the option given and as soon as I click on INSTANT DEPOSIT button the message said my account went under another review.

This time I called back and complained to the customer service saying how can I run a business with a system like this and told her I work 40 minutes away from Square headquarters and not some guy from some doggy town in Ukraine. I am from here and so my business and I have provided my sales, bank account was verified and linked and why am I being reviewed. She said she will ask review to fix this issue. I told her if the INSTANT DEPOSIT is not good then maybe it shouldn't be available for users at least for first couple of years until they feel a little safe.

Hoping to see my issue resolved, instead I got an email saying my account has been deactivated and all funds will be frozen for the next 90 days. Tried to reach customer service but you can not talk to them if your account is shut off. They won't pick up the phone. Very bad business, I am sure they won't last if they are going to treat legit businesses like bunch of criminals. I whisked there was a rating with negative numbers too so I could go below negative 1 star on complete 000000. If you are in the business, Square is not for you and believe me some reviews that give them few stars, soon they will be coming to this page and write their own negative reviews. Since I didn't want any funds to be held, I logged in and refunded those transaction and re-process them with my PayPal account. Square is the worst processing system I have ever known.

In early April we set up the account after purchasing several readers for our showroom and market stalls. After having great success with it, especially at a trade fair this past weekend, I received an email from Square saying they had deactivated our account because our business is prohibited by the Seller Agreement. Having an idea what it might be about I called and spoke to Seamus who was really very sweet to talk to, despite the horrible discussion we were having.

We sell hemp. Even though it is a legal product in the eyes of the Australian Govt. and FDA and contains nothing illegal, Square, working on behalf of their agreements with MasterCard, Amex and Visa have chosen to deactivate our account. It is so infuriating to be completely stuck right now. Here we were, supporting the little guys as they are supporting small business and they have completely stuffed us up. What upsets me is that when I inquired to why they didn't deactivate us straight away back in April (it's now almost June) they said they were alerted by a Facebook post where a customer had shown an image of food they had created by the LEGAL cold pressed oils that we retail. If you are a small business that is trying to make a difference in the world DO NOT sign up with Square. We are stuck now because we have customers wanting to process payments with no payment machine to accept it on.

Our Square account was disabled on or about 3:30 this afternoon. Shortly after the phone starts ringing with customers who are trying to access our site and can't. It is now 6:40 p.m. and the phone is still ringing! We have ZERO access to a live representative to assist us with this issue, and no means of processing credit cards for our online customers until we get a new service in place. At the very least they could have given us a grace period to review and implement a new service so we wouldn't have service issues with our customers. This is by far, hands down, the most unprofessional company I have ever dealt with! I don't even want to discuss the thousands of dollars we have processed through this company and this is how they treat their customers? That's my experience for today.

Now, let's talk about the overall, keep in mind there is never a live representative available to assist you on any level. If you need customer service you will be at the mercy of what I can only assume is the two employees who run this racket, via email and that's it! If you are lucky and I mean very lucky you might get a phone call if the issue warrants their personal attention. However, in most cases you will be treated like a number in the email queue at best. The site crashes often and when I say often it's in the upwards of two to three times per month. You have to ask yourself how many sales are you missing due to these crashes? These "blackouts" if you will, last for hours at a time and generally during the normal business hours that your customers would be visiting your site to purchase products.

Let's move on to the fees these crooks charge, and keep in mind the only reason we tolerated this level of abuse is because we thought they were one of the companies who were willing to work with the vape industry. The fees will leave you with the feeling a small financial rape has occurred. Mastercard's fees are less offensive. If you are looking for a hands off, pull the rug out from under you with zero notice, and to be charged into the stone-age, then I strongly suggest you select Square for all of your financial abuse. My last and final regret is I am forced to leave a one star review simply because giving a negative star is not an option.

Their CSR's are rude. They don't let you speak to a manager or supervisor and basically told me they couldn't help me. So I'm just supposed to kiss $10K away? I will be changing companies the minute I can get my money and will not recommend Square to anyone. Their fees are too high anyways and they are absolutely irresponsible with people's accounts.