Report: #889848

Complaint Review: Squareup

  • Submitted: Tue, May 29, 2012
  • Updated: Tue, May 29, 2012
  • Reported By: Bren — Milwaukee Wisconsin United States of America
  • Squareup

    United States of America

Squareup Square credit card processing Suddenly debiting my account for no known reason Internet, Internet

*Author of original report: SOOO

*Consumer Comment: So..

Show customers why they should trust your business over your competitors...

I have been using Square since January 2012. I am a small independent business and accept relatively small charges. Up to this point I had no problems. The biggest being $80. I woke up one morning to find the following email: 

"We just initiated a debit in the amount of $182.82 from your XXXX account. We are debiting your account because you have a negative Square balance. The funds should be withdrawn in 12 business days.
For more information, please read our terms of service:
If you have any questions, please contact support:

Thank you!"

NO explanation!  I have never taken a charge that large so it couldn't possibly be a charge back. They have taken their fees out of each transaction before crediting my why a sudden $182.82 Debit??? This was Friday with a long holiday weekend coming up. No phone # to contact. Emails are not returned quickly. I had to postpone a client's appointment just so I could get to my bank upon opening & Freeze my account from them.    

Needless to say I will no longer be using this company. I am looking for a lawyer. I want the money back that I had to pay my bank to freeze my account. I want these people stopped from ever doing this to another. 
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This report was posted on Ripoff Report on 05/29/2012 09:30 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Author of original report


AUTHOR: Bren - (United States of America)

I TRIED to contact them. They do not have a phone #. I searched their entire website for a why they would debit/withdraw from my account. No answers found. No indication in the notification email as to why the charges were there. Nothing in my account dashboard either. The amount they want is more than an entire months worth of what I process. No prior email from them as to a possible chargeback (but I never had a single transaction that large).

Sooo no I did not put the cart before the horse. If they gave me a reason or had a phone number to talk to customer service to explain, then maybe we would have been ok.

I had to go to my bank because when I spoke to my bank on the phone I was told they needed a signature to freeze the account.

My own bank would have at least shown on my account why I was charged for something i.e. returned check, insufficient funds, etc.  

There is no legitimate reason for this. Even the brief email from someone at the company said we do not know why. We have to look into it.   REALLY??

So apparently I took the correct action. THE facts are this company doesn't even know why they tried to debit my account.  They already deduct  their fees before they deposit each transaction into my account. 

In addition, the transactions that I process are only with clients I know. Highly unlikely that anyone of them would be attempting a chargeback. Even if one of them did, it would not be in the amount that Square wants.

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#2 Consumer Comment


AUTHOR: Robert - (U.S.A.)

I am not saying that you do or do not have a valid complaint.  But according to this you put a block from them taking the money out BEFORE you even talked to them.  Seems like you put the cart before the horse.  Do you have the ability to go on-line and review the transactions through them?  What did it show, or did you not even look and just decided to post a complaint before you had all of the facts.

No phone # to contact.  Emails are not returned quickly. I had to postpone a client's appointment just so I could get to my bank upon opening & Freeze my account from them.   
Why did you have to go to your bank?  Don't they have a phone number you can call?

I want the money back that I had to pay my bank to freeze my account.

- Why?  You don't even know the reason they said they are going to withdraw the funds.  What if it was a legitimate reason and you do owe them the money?   Not only did you cost yourself additional unneeded expenses, but if they attempt to withdraw the funds and it gets rejected I am pretty sure they will charge you a "returned check fee".

I want these people stopped from ever doing this to another.
- What did they do?
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