Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Business : Square , Inc. 
Consumer : [ REDACTED FOR PRIVACY ] Date : XX/XX/XXXX Summary of Complaint Square , Inc. is unlawfully withholding {$3100.00} of my business funds without valid reason, despite the fact that the dispute which triggered the hold has been resolved in my favor. Square has also permanently deactivated my account without providing any explanation, eliminating my ability to access support or appeal their decision. 

Background & XXXX XX/XX/XXXX A client transaction in the amount of {$2600.00} was processed through Square. 
XX/XX/XXXX The client cancelled their dispute with XXXX XXXX ( XXXX ). 
XXXX issued confirmation letters to the cardholder, explicitly stating that the charge was valid, the dispute was closed, and any temporary credits had been reversed. 
XX/XX/XXXX XXXX Squares request, I submitted XXXX official cancellation letter along with a signed letter from my client confirming no intention to re-dispute the charge. 
XX/XX/XXXX Squares Complaints Manager emailed me, stating that XXXX had no record of cancellation and that Square would not release funds until XXXX confirmed directly. This contradicted the written proof already provided. 
XX/XX/XXXX Multiple Square support chats confirmed : - Square rejected the XXXX cancellation letter despite previously requesting it. 
- Square declared the account deactivation confidential and refused to provide details. 
- Square confirmed they would hold the balance for 90 days, until after XX/XX/XXXX. 
XX/XX/XXXX Square emailed me confirming the dispute was resolved in my favor : Great news. Were happy to inform you that the cardholders bank has resolved this dispute in your favor.

Yet Square still refused to release the funds.

Current Situation Square is withholding {$2600.00} from the resolved dispute, plus {$510.00} from my general balance a total of {$3100.00}. 
Despite resolution, I have no access to these funds because my account is deactivated. 
Phone support disconnects once my deactivated account details are entered. 
Chat support has repeatedly told me they can not disclose the reason for deactivation due to confidentiality. 
I have been given no opportunity to appeal or correct any alleged violation.

Harm to Consumer ( Me ) I have been deprived of {$3100.00}, funds belonging to my business, for over 90 days without justification.

My ability to fulfill client orders has been damaged, impacting operations and relationships. 
Squares lack of transparency, refusal to accept official XXXX documentation, and denial of appeal rights demonstrate unfair and deceptive practices. 

Requested Resolution 1. Immediate release of {$2600.00} from the resolved XXXX dispute. 
2. Immediate release of {$510.00} from my account balance.

3. A clear, documented explanation of the alleged activity that led to account deactivation.

4. Restoration of a fair appeals process for account deactivations and fund holds. 

Supporting Evidence ( Available Upon Request since it has personal information on the client and my persona ) XXXX Complaint Trail ( XXXX ) XXXX Dispute Cancellation Letters ( XX/XX/XXXX, XX/XX/XXXX ) Square Support Chat ( XX/XX/XXXX ) Confidentiality & rejection of XXXX letter Square Email ( 0XX/XX/XXXX ) XXXX no record of cancellation claim Square Email ( XX/XX/XXXX ) Confirms dispute resolved in my favor Final Deactivation Notice Funds held until XX/XX/XXXX In summary : Square has acknowledged the dispute was resolved in my favor, yet they are still withholding my business funds. Their lack of transparency, arbitrary deactivation, and refusal to release funds despite XXXX confirmation constitute unfair and deceptive practices that are causing direct financial harm.

Company response to consumer: Closed with explanation