Square Loan Decline -

Hello 

 

I was just declined for a loan because of an “associated account” . I received an email asking for additional information and I explained that I am not associated with that account. They declined me anyway. I have had several loans through square and always paid on time (or ahead) and most of the time in the green. Now I am so discouraged. I gave them honest information and I feel it wasn’t considered by the underwriting team. Is there anything I can do? 

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Hi @jessential 

 

Thanks for posting on the Seller Community.

 

A member of our team has reached out via email 

If you have additional questions regarding eligibility for a Square Loan, feel free to view our FAQ.

 

Feel free to reach out to us directly if you have any additional questions

Abby_M
Square Loans Team
Sign in and click Mark as Best Answer if my reply answers your question.

This is a service email from Square Financial Services, Inc., a wholly owned subsidiary of Block, Inc. All loans are issued by Square Financial Services, Inc, a Utah-Chartered Industrial Bank, Members FDIC.

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@Twpchair  

@Abby_M 

@marielmt 


They did reach out via email but did not respond to my concern. It was a generic AI response that I see all over this forum. I have called several times today and basically get told they will “escalate” and “there is nothing they can do.” 

I replied that the real issue is being linked to another account and again was told there was nothing they could do . Again another generic email stating case was closed decision is final . Watch my dashboard for another loan. They are missing the whole point , this will effect me each time. 

To me this is very serious and should not be taken lightly. It so frustrating, this confusion is effecting MY business and that after several calls and emails  I have gotten nowhere. In fact the loans team cut my call off a few times. Customer support tried to help but until I get in touch with a manager that sees the real issue it won’t be resolved. 

Its really a shame, I have always been so happy with square until now.  It is also a shame that SQUARE shows no concern that I was rejected for a loan for an invalid reason. 

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I don't know about callbacks on the weekends and if they do or not. The actual loan department isn't (unless that has changed) call center still is I believe. There's been a lot of updates going on but those were the last hours I knew except for the callback. I guess it would be who it was calling you back. It's hard to get through to the right person/department and you fall under both. But I understand that your main concern isn't the loan you missed out on it is getting the account that is associated with your name now out of the blue off of your account moving forward. I would have thought myself tech support after the first couple of calls and no real answers to your question. They didn't help or couldn't help you with it? Hopefully, whoever calls back can get it straight. It's hard for us as well because we feel for you and I can understand and sense your concern as I would be in panic mode myself. When you see people like myself who either have badges or I write my information out. We are here to help with general questions and concerns. We lead people to the right boards and help in areas where our “expertise” is. Once it gets to people like you and went over all the general questions and nothing. It is time to tag in a Mod and honestly, we have great Mods who work in multiple areas, and here as well. 99% of the time when they say to contact us directly they have more information about your account and can see what is going on or escalate it like they did. It's going to be a long weekend and try not to stress too much but with a callback and 2 tickets out there they know that you are concerned about it and I really do believe that come Monday, someone will follow up with you. These 2 Mods are very nice and I am sure they did what they had to and passed it along where and to whom. These 2 are great I know it is hard when they can't give you a response here but that is for all of our safety and nobody needs to hear your personal information on a public forum. That's why they say contact us directly. Please keep us posted on Monday. Like I said my callback didn't come till 6pm with the time difference. Just try to focus on business and don't get all worked up. If you get frustrated hit me up and vent away. I'm married im used to it! 😆 Have a good night!

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
If I helped answer your question hit the best answer. Thank you!

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@Twpchair 

@Abby_M 

@marielmt 

 

Thank you !!!! @Twpchair 

I am just exhausted from all this. For two weeks I watched my dashboard several times a day , hoping for an offer because i was getting close and could seriously could  use the funds right now. The offer comes and it was another 2 days waiting for underwriting. The underwriting team sends a few questions and basically ignored my answers. In fact didn’t even take them into consideration. After checking my email a several times an hour for approval for 2 days. I get the declined email and I was totally floored. I didn’t see that coming at all. When I see the reason I it took me by surprise. I go back and forth between feeling confused to totally feeling unheard. This is my lively hood and I trusted SQUARE with it. After my conversations today with the loans team and the blatant disregarded emails I just can’t believe it. I have been with SQUARE for a VERY long time, have always spoke highly highly of them and have always been a loyal customer. After this , I am very concerned with my future relationship with them.  My trust has totally been broken. I really hoped to get on the phone with a manger and it would be taken care of. Instead I spent  10 hours, going in circles and at times very disrespected. 
I see that orange “needs work” because of the declined loan and it makes me sick because I worked so hard to stay in green in hopes of an offer soon. I worked so hard to keep my account in good standing and always have. I reach to agents with questions often to keep that good standing. 
The underwriter asked my association I gave them a very honest answer and it blew up in my face. I know the account, what I don’t understand is why they associated  my account to it without my knowledge and how that associated account would effect mine there  is no reason for it. They refuse to unlink it and reconsider my loan.  The aloof responses via email and phone conversations really concern me with the loans team. The connection in question should never have affected my loan in the first place and it shouldn’t have been linked in such a way that it would effect my without my knowledge until now. My calls today fell on deaf ears with the exception of a few agents that basically had their hands tied. 

 

 I posted on here for help, but I see now the community needs to see that this can happen at the time you need it most. After being a long time ,loyal customer with ALL my transactions running through SQUARE I would have hoped to have been treated better than this. I am in a full costumer service business and every client  I have is valuable and treated as such. I think that is part of my frustration because that is not how I would treat a client in my business…..ever! 

You’re right , this is going to be a very long weekend… I am sick about this. I can only hope to get somebody on Monday that will hear me and help me get this settled soon. 

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@Twpchair @Abby_M @marielmt 

@Nicole 

@Square 

 

Well I thought this was interesting ! After doing some research, I feel SQUARE is using a AI Email Generator, to respond to these emails instead of truly looking into them or at least to weed them out. SQUARE I INVITE YOU TO PROVE ME WRONG ON THIS AND REACH OUT TO ME PERSONALLY ON THIS WITH GENUINE CORRESPONDENCE.  

 

I wrote a long email this weekend and sent it to the SQUARE , copied it and also sent it back to “Nicole” on the loans team. Exactly the same word for word. 

 

This is the interesting , the email I sent to the general SQUARE loans mailbox. I received a reply stating they did get my email and would reply shortly. BUT … in my email inbox preview shows the first few lines of the body of the email as a preview. The one I sent to the general email in the inbox” sample “ in shows this: ..

 

IMG_6972.jpeg

INTERESTING ? Because when I open the email , this is not there! It’s a hidden message in my reply that only shows in the preview not in the body of the reply. Hmmm? 

THIS IS THE REAL INTERESTING PART..

, the email I sent to the escalation manager “NICOLE” shows this ….

 

IMG_6973.jpeg

This was SECONDS  after I sent it , rejected! It shows this in my preview . But when I open the email …. Nothing of the sort is written there. Like another hidden message that only shows in the preview. There is no way. It was a very long, very detailed email of my findings this weekend on my account. It also doesn’t mention anything about my account associated with another account , which is pretty much what the email was about…. 

Anybody have a reason for this ? Do you think this just tells the agents how to respond so they don’t have to read them? Or it triggers the AI Email Generator to respond as such a few hours later, and they are not read at all? Is there even a “Nicole” ? 

 

After getting a huge run around on Friday… this is all starting to make sense now. No manager with phone access? That is crazy! Who has ever heard of such a thing ? 

 

 

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Why do my posts keep getting removed ? 

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I am weighing in on this  because I guess I am the associated account.

 

First I would like to thank  @Twpchair    for reaching out and helping her.  @Abby_M thanks for the posts referencing her getting emails and if she has questions.  Emails are clearly AI generated and if she asks questions they go unanswered. It looks nice to cover tracks on a post but nothing happens. I want your community to know this.

 

@Square  @squareloans, shame on you!

SHAME ON YOU! Make this make sense.

 

I want to start with the fact, in no way should my account be associated with her account or in any way should it  have affected her loan.

For no reason should my account have been referenced in questions directed at her about my company, and its revenue. My account is not her account. That is now an invasion of my privacy and goes against your own guidelines. It also goes against privacy laws. She answered those questions honestly and if the underwriters actually read them, we would  not be doing this and she would have the loan she is need of at this time.

My business had sales with Square last calendar year of $225,000 almost 5 times the sales of her business and my business affected her loan chances?

I listed her as a team member on my account. The only connection from what we can see is her name . She is not listed as an owner. She occasionally helps me in my office when I get backed up on paperwork. I DON’T EVEN PAY HER FOR THIS.  She helps when she can and won’t take money for it. I listed her as a team member to have access to my square, if needed. She uses a different email than her business email with my account. That’s it. In fact she is the only reason I am with square. She convinced me it would benefit my business, I was just fine taking checks from customers( at no fees) Now I am ready to take my money elsewhere after all this.

She informed me she has spent the greater part this week and last week on the phone, chatting and emailing to be come up with no answers how to solve this. She has created 8 escalation tickets to receive 1 single canned answer email in return. One! The loans team has hung up on her several times and customer support basically passes the buck back to the loans team. Thru have bounced her from team to team for almost two weeks. They refuse to tell her the connection and stated several times that even if I remove her ( and her should I ?)  it will not unlink my account, that is crazy. She has used square a very long time , I can’t believe this is how they treat a customer that has repeatedly referred them to others ( like myself).

In her adverse action notice , it states association with another account, that is it. By law they should be specific in that notice to the connection. Not only did they not do that, when she tries to get the information they refuse it. How is she supposed to clear this up if you hold the information? Why in the world would you refuse to give her the information?

 

 

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Hello, this is my 3rd time trying to reply to your message! 😡 I am not very happy with over an hour to post! First Thank you for stepping up and trying to help her. 2nd. I did all I could and then some out of box suggestions, once I heard about you! I am happy that she was escalated to the highest level and a fresh set of eyes to look into this. I knew she was stressed, overwhelmed and frustrated. Going forward people or owners should be aware of accounts associated with each other (if that’s the connection) but it is something small business owners and communities do that separates us from big box companies. We help each other out when needed! We don’t ask for money or anything but just helping a neighbor or friend.that’s a great thing IMO. I really hope this escalation works and gets her back up and going! I hope she keeps me posted after a week of therapy 😂 no, helping her brainstorm solutions I am pulling for her! I don’t work for square we just help out threads in our area of knowledge and then tag in a mod. Then they escalated it a couple of times. Best wishes to you both and I am so sorry this happened especially when she could have used an offer. Thank you again!

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
If I helped answer your question hit the best answer. Thank you!

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I’m baffled by this myself 🤔 unfortunately, I am a business owner and just like you I can only offer advice anything I can think of that might be helpful and send you up further. I find it ironic how you stated without you there is no US! I tell this to our customers often as possible. They are what keeps us going and pushing forward. I watched as small businesses which use to be the backbone of America close up after 40 years and 2 generations and it hurts. If you made it through the pandemic and the period afterwards, you my dear can make it through this! Does it hurt yes, are you stressed out yes, if you didn’t see my responses earlier or they are not there I am only going off of Facebook and adding helpers to your account as I don’t have any here. But I walked you through the steps. One loan officer mentioned out of the many it had to do with your metrics. They change daily so double check those numbers daily and see if anything has dipped since the time you were approved and take notes, right down your questions, your concerns anything that comes into your head. I did semi copy and paste the meaning of the highest escalation and the rest I knew about. I don’t ever turn on my notifications during work but I will today and tomorrow and if you get stuck and can’t find where your 2 accounts are linked send me message and I will get it and start digging around to see if I can search it out. But I think the response to you about where to go in settings from Facebook should be around that same area. Good luck and keep business and family number one ok. You are one tough person and most would have caved. So hold tight and hopefully by Monday the go between will reach out and get you back on track! Don’t hesitate to message if you need help ok. 

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
If I helped answer your question hit the best answer. Thank you!

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@Twpchair 

Sorry I haven’t responded but today I had a lot to catch up on. I tried to get this whole situation out of my head, but I am still so sick about it. RasIII and I looked over both accounts and this is all we could find so it must be it . 
This is what upsets me even more ..  

1. Like I said the request was so long ago and I didn’t think it was the issue because when he sent it to me , I remember getting on chat or calling @Square and asking if it will effect my account and they told me no. So I had no idea and was totally mislead by them. I had had several loans the same time as he has at its now an issue. 
2. His account is in good standing , he does have a loan but it’s current. He is in his slow season so his algorithms are down but his over swipes are nearly 5 times mine,  he mentioned in his input on his thread. 
3. It seems to me SQUARE bases so much on the algorithms and AI, not looking into the individual accounts. 
4. FINALLY … I am so put off by the blatant disrespect and handling of this issue with customer support and the loans team. All I asked for was more information. I may be looking at the wrong connection all together and they let me continue to beat myself up over this. I just asked for a simple conversation and somebody to help me troubleshoot this . Instead every request was refused and ignored no matter how I approached it. They said they can’t disclose the reason beyond an associated account. Associated how? I still don’t know. 


Twpchair, your compassion has been well received by me and I appreciate all that you have done. I can’t thank you enough for all your research and continuing to reach out. 

SQUARE , you broke me, my efforts fell of deaf ears and I am so disappointed in myself that I hoped to be treated like I have treated my customers for over 30 years . I guess that is why I have been at what I do so long because I would never act like I was treated. My suggestion to you is please don’t add “if you have any additional questions or concerns let us know “ to your emails , because that is very misleading. 

 

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Yeah, I have had very nice customer service reps. Yes, I definitely see them and nobody has or had deleted them. They just got grouped into one post that you made but we talked 3/4 times type thing. Next post 4 conversation are under each post you made even the mod's responses are there. They didn't delete anything. I'm sure it was a long weekend. But now you know what is connected to your account and if you stop and think about it would you say this is a loan issue for them to handle or technical support issue of 2 combined accounts not associated with each other? Leaving out all loans mentioned. I am just thinking outside of the box and without the timing of the loan and finding it then. I wouldn't have called the loan department regarding the above mentioned. Myself only I would have thought this is a mistake and I am not associated with them and they are not with me and I better get these 2 things fixed. My first call would of been tech support and if it is not them they could tell you what department it was. Accounts ect. My best advice is to to regroup. Write down all the information you have about the accounts being linked and there is no connection. Do not mention the L word or they will probably tell you to contact them. You have. So the more information about it makes it easier for them to look it up and see how, when, and why it happened. The reason I say this is because if you can provide all the proof of it or when and why. It stops opening up a ticket unless this guy/gal can't physically do it and it has to go above them is all. There are many support agents it's finding the one who can do it and supposed to do it if that makes sense.  Like I said stop think for a second if someone asked you who do I call and forget the loan part 100% out. I would start with tech support and go from there. I have personally talked with them 3 times all humans and they walked me through 3 different pieces of equipment to all run together and of course I is an odd ball and he passed me up the ladder just  transferred the call. I would try them after all this new information with you knowing the connection or associated account that's a help for them to find it faster is all. Good luck and if you need anything else just let me know. 

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
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How do I get through to tech support? When I googled tech support , I get sales, it mostly for equipment . I have a direct number for Loans and Customer Support. I haven’t been able to get through to accounts and don’t have a direct number. 

Customer support won’t offer up any other numbers or will they connect me. 

it seems like I just call and get put on hold. They come back and don’t give recourse.  No matter what I explain, managers just won’t give me a minute to help. 

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When youb log on to main Square app or your browser to the right is 3 lines  thst should say my account and then my resources  hit my account  and my resources

2. There is a search bar that drops down for both  type in how do i get an account associted with mine off of it  

3. It gives you a ton of variable questions like i asked  you type in the question that fits yours the best ok  the closer to the question the better the results  

4. You will see a bunch (pages) ssking a similar question  hit it

5. I just typed account attached not mine! How do i get it off my account? It pulls up accounts and boom there is a question like yours all highlighted in blue 

6 then it will say still need help? Contact us  it hss a number, chat support, or email us  i hit both resources and my account both give you the Q&A to figure out what department is best  some gives a direct number and others the number and code for your call. It could be tech support, accounts and account setup, 1 solution they offered up was calling and doing a security checkup and seeing if it associated by a mutial email addresss, phone number, ptevious address  it all comes down to what you type in there that pulls up your closest sitution. I took 3 pictures to help you but i cant share it shows some of your personal information . Let me  post this and go back into photos and crop out that and i will post it in the comments 

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See at the bottom where it say contact us or resources. Try resources first and look through the diffrrent solutions again the closest to yours. Do NOT type in the word loan anywhere !!! Lol 😂 that is a word off limits right now. Each question will pop up a support number to call or chat. Myself i usually hit chat first  you will get a bot after 2 question it will say now connecting to a real agent. Explain the situation NO mention of loan (if you do u will go to that department) been there done that. The rep might try tech support for accounts, or security check up, or a general tech support number to handle it. The better your direct question is where or what department you need  

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
If I helped answer your question hit the best answer. Thank you!
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Hello 

 

I tried this suggestion and … thank you ! I just get the main customer service number each time.  I tried several options, including associated account,  security, tech support …..same number each time. 

I am beyond frustrated with this whole situation. I know you said not to mention loans, but I do know my associated account . The account is an office I help out in….here and there . I DONT EVEN GET PAID FOR IT! . Just help . I was added as a team member so I could take a payments and contact square if needed . That is it . I just can’t get square to confirm that this is the association and why it would effect me in this way. It’s not even my business I don’t get paid for being there. 

it’s now become …. I have a huge issue with being basically a VOLUNTEER on another account it should NOT  effect my business that is my lively hood and pays  my bills. 

 

Square has been ZERO help in this. I have been consistent and only get computer generated responses. And only two at that . I have created 4 - 5 escalation tickets and sent emails, chat and called . Only two computer generated responses in day one. 

 

The other business owner is very upset that they referenced HIS business on my loan application. That is unethical and invades their own privacy policy. 

This is the problem with a company that use computers to sort out its issues instead of people to solve problems, use common sense and empathy when dealing with their customers.  It becomes very frustrating for the customer but a computer doesn’t care. 

 

 

 

 

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Ugh, now now I know the association between the two accounts when you add an authorized user on your account. The first thing that they ask for is an email address so it is your email address that is associated with his account and your account without getting him to take you off of his account with your email address so you can help out take payments, etc. if you need to make a new totally separate email address make sure you do not use the same telephone number anything that is associated with Square you do not want to use on his account because that is what is associating the two of you so if you can get in touch with him and tell him you don’t mind to help him out that’s that’s what small business is. Do we help each other out but using the same email address or the same telephone number is gonna associated automatically I have a girl that who’s a Vendor at one of the stores and she comes in the same thing helps me mark clothes helps me do this helps me answer questions on our Facebook account, but she doesn’t own a business at all. So her email address and her phone number are on there and they show on there which is OK because she doesn’t own a business but you do so you have to change your email address. You have to change a telephone number. Everything that is on Square for your account cannot be on his account at the same time because they associate the two together even if they’re not together if that makes senseUgh, now I know the association between the two accounts when you add an authorized user on your account. The first thing that they ask for is an email address, so it is your email address that is associated with his account and your account without getting him to take you off of his account with your email address so you can help out take payments, etc. If you need to make a new totally separate email address, make sure you do not use the same telephone number or anything that is associated with Square you do not want to use on his account because that is what is associating the two of you. So if you can get in touch with him and tell him you don’t mind to help him out, that’s what small business is. Do we help each other out but using the same email address or the same telephone number is going to be associated automatically. I have a girl that’s a Vendor at one of the stores, and she comes in. The same thing helps me mark clothes, helps me do this, helps me answer questions on our Facebook account, but she doesn’t own a business at all. So her email address and her phone number are on there, and they show on there, which is OK because she doesn’t own a business, but you do, so you have to change your email address. You have to change a telephone number. Everything that is on Square for your account cannot be on his account at the same time because they associate the two together, even if they’re not together, if that makes sense.

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No, just wanted to let you know that anything that is associated whatsoever with your email or your phone number with his account say he uses Google you wrote a review you did anything One you need to do a Google search and make sure that all of your information is not connected to anything That has been posted by him that you have posted anything like that every system that does like loans or any anything like that they all use an algorithm that algorithm flex data and it does everything else and it connects anything that you might be associated with so that’s what’s connecting it that’s what’s keeping you there regardless of what you do there hon it could be volunteer work as long as he put in just like I put in my ladies information to access my account Was her name or email address in her phone number, which is fine because she doesn’t own a business and all she does is hold me in the backend of Facebook answering questions. She’s not a paid employee whatsoever so you need to make sure that on his end and then on your end, everything is disconnected that you can find like I said do a simple Google search of your name do a Google search of his business. Make sure like mine even though I post on Facebook I also use Google those two semi connect with each other so they’re crossing information and you need to make sure that all of that information is gone from there on both ends his end in your end I know it’s a pain right in the bottom, but that is the best way to get the two accounts associated Away from each other and then you should be absolutely OK. I’m at work. I’m using voice to text so if it doesn’t make any sense or misspelling pay no attention to it you should be able to get what I’m saying. Do you need to get on associated from his account so once that is done then you should be OK but I would also like I suggested do a simple Google search and put in your name put in his business. Make sure your name does not pop up if you have to. I would not even use an address or I’m sorry an email address That is associated with Square . I would use a different email address if you use Gmail use Outlook use Yahoo use something else besides what you’re using through Square and then you should be absolutely fine from there on out.

> Square Champions Innovator, Beta Community Member, Square Champion Expert, Square Champion Advisor.
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I do have a separate email associated with his account, the one on my account is MY business email . The one on his account is not . It has my phone number but that is the only phone number I have I can’t just make one up and they require a phone number. I had more involvement when he launched this business but it was just help. It’s still his business, it’s not even the same type. 
A big issue with my regarding the loan is that they asked me during underwriting about an associated account and I told them this was my ONLY account and the loan would only pertain to this account. After my answer I thought I was good . And even if I did, they are still two separate entities. 

 

I did finally call customer support and insist on speaking to a manger, I also asked to file a complaint. After about a 25 minute hold I did get a manger on the phone. She listened and said she was going to do what she could. She did explain Loans is a separate department , requested let her do her part and reach out to them again. I don’t want to be pushy with people who are just trying to do their jobs ( I don’t work like that ) but I feel they pushed me to it . 

Hopefully this manger can get someplace. 

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I have created 5 escalation tickets myself or the agent I spoke too offered to . I received an email this morning with a whole new escalation number that said they would get back to me in 15 days . 15 days ? I don’t know how I feel about that. I called support and asked what that escalation pertained to and which department. Apparently that is a secret and they can’t tell me. Now that didn’t sit well with me at all. So now I have 6 tickets in all and only one lonely response that is going to take 15 days. They are really testing my patience. Harmony was the manager I finally was able to talk to she said she can only try, she gave me an entirely different number. 

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This is what I could find and it was from 2023. It could have been updated or changed up in wording since then though. 


the process of directing a customer support issue to a specialized department or senior employees with more authority or experience when the initial support. Waiting I would be just guessing here is one on many including business days in that 15 days already. The person who is going to handle it now could be her/his workload or cases. Those are just what I’m assuming and going through all your communication from day one till current so they have an idea. The other thing it said was this is going to a whole new area, a new person and your old ticker was closed out with a final decision if I remember correctly? This means you are going up to the highest you’re going to go with a team specialized in this or the highest person in that department. From everything I read this is your final decision. The other good thing is during this 15 day week they can have someone trying to correct the situation. Separate the two accounts. It’s not a bad thing IMO you have someone new, fresh eyes looking at and a ton more information to provide now.  During this 15 days you might be able to get the guy to remove you from his list of authorized users who can access, help answer posts etc. this is your issue and connection. Whether you knew it or not. I have 2 that are authorized on my facebook account and my number 1 free site to advertise. I had to enter all their information and email address and phone and they verified them with a code to add in it. 
1. Get him to remove /deactivate your roll all together 

2.Get all your papers and communications in order. Hopefully, this will work. He could even send you a screenshot of new authorized users with your name gone save it and upload if needed. Honestly, IMO not always a bad thing but it is a final step. Get your ducks in a row and have everything available to send if needed. Good luck. 

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Here is part 2 check them all ok. I don’t have no clue what he associated you with so I would check each one as they have indifferent associations and roles 

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I am weighing in on this  because I guess I am the associated account.

 

First I would like to thank  @Twpchair    for reaching out and helping her.  @Abby_M thanks for the posts referencing her getting emails and if she has questions.  Emails are clearly AI generated and if she asks questions they go unanswered. It looks nice to cover tracks on a post but nothing happens. I want your community to know this.

 

@Square  @squareloans, shame on you!

SHAME ON YOU! Make this make sense.

 

I want to start with the fact, in no way should my account be associated with her account or in any way should it  have affected her loan.

For no reason should my account have been referenced in questions directed at her about my company, and its revenue. My account is not her account. That is now an invasion of my privacy and goes against your own guidelines. It also goes against privacy laws. She answered those questions honestly and if the underwriters actually read them, we would  not be doing this and she would have the loan she is need of at this time.

My business had sales with Square last calendar year of $225,000 almost 5 times the sales of her business and my business affected her loan chances?

I listed her as a team member on my account. The only connection from what we can see is her name . She is not listed as an owner. She occasionally helps me in my office when I get backed up on paperwork. I DON’T EVEN PAY HER FOR THIS.  She helps when she can and won’t take money for it. I listed her as a team member to have access to my square, if needed. She uses a different email than her business email with my account. That’s it. In fact she is the only reason I am with square. She convinced me it would benefit my business, I was just fine taking checks from customers( at no fees) Now I am ready to take my money elsewhere after all this.

She informed me she has spent the greater part this week and last week on the phone, chatting and emailing to be come up with no answers how to solve this. She has created 8 escalation tickets to receive 1 single canned answer email in return. One! The loans team has hung up on her several times and customer support basically passes the buck back to the loans team. Thru have bounced her from team to team for almost two weeks. They refuse to tell her the connection and stated several times that even if I remove her ( and her should I ?)  it will not unlink my account, that is crazy. She has used square a very long time , I can’t believe this is how they treat a customer that has repeatedly referred them to others ( like myself).

In her adverse action notice , it states association with another account, that is it. By law they should be specific in that notice to the connection. Not only did they not do that, when she tries to get the information they refuse it. How is she supposed to clear this up if you hold the information? Why in the world would you refuse to give her the information?

 

 

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Hello, this is my 3rd time trying to reply to your message! 😡 I am not very happy with over an hour to post! First Thank you for stepping up and trying to help her. 2nd. I did all I could and then some out of box suggestions, once I heard about you! I am happy that she was escalated to the highest level and a fresh set of eyes to look into this. I knew she was stressed, overwhelmed and frustrated. Going forward people or owners should be aware of accounts associated with each other (if that’s the connection) but it is something small business owners and communities do that separates us from big box companies. We help each other out when needed! We don’t ask for money or anything but just helping a neighbor or friend.that’s a great thing IMO. I really hope this escalation works and gets her back up and going! I hope she keeps me posted after a week of therapy 😂 no, helping her brainstorm solutions I am pulling for her! I don’t work for square we just help out threads in our area of knowledge and then tag in a mod. Then they escalated it a couple of times. Best wishes to you both and I am so sorry this happened especially when she could have used an offer. Thank you again!

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@Twpchair @Abby_M 

@Square 

 

Twpchair 

Thank you so much for being such a support through this. Unfortunately except for you , all of  my correspondence has fallen on deaf ears. 

 

My first escalation was 10 days ago . In that time I have raised 8 escalation tickets. I finally got my 1 single response last night. ONE!  It was from Victoria J , it was another generic email informing me to refer to my original email. It did offer to respond if I have questions, which makes me cringe because questions are not the thing they want to answer. I have asked. I do have questions. They have no interest in answering them. 

I have spent 10 days on this, I spent my entire day yesterday being pushed back to forth to loans and customer support. I begged to talked to managers, refused every time, when out on hold I would be transferred to loans. Loans get to the part of the conversation that they just hang up ! Hang up ? A company hanging up on a customer reaching out for help is unprofessional and childish.  I can assure you I don’t use foul language , or yell at these people , there is no reason to hang up except the refusal of wanting to help. Come on SQUARE, you can do better than that ! 

 

We are going to go through both of our accounts today and try to find this , connection. It’s a shame we need to spend another day on this when a simple answer would help me fix it. 

I am not a big corporation with departments that handle this, I am just me! My business, family and household has suffered because my focus has been all on this. My LIVELY HOOD is wrapped up in this company, and they disregarded it. I am not a big corporation that can spend money and time to continue to do this. I am me. They know that and are just waiting for me to give up. My revenue doesn’t go to big bonuses and padding expense accounts, it goes to keeping my doors open so I can feed my family.  I am broken and defeated after being pushed around. 

This is for you SQUARE . It is to bad I have to remind you that it’s people like me that have made SQUARE what it is today. Big box stores and corporations don’t use square. It’s  small businesses, sole proprietors, brick and mortar, and vendors  that use SQUARE.  I feel you have forgotten the little people, that work hard, that held you to a higher standard to make you what you are today. Without us there would be no SQUARE . I am sad that I have to remind you of that. This is an example of the big people bullying the little people that built them. I am in a customer service industry and until now have gained YOU many customers by recommending  you for their businesses , including my “associated account” and this is how I’m thanked. I referred you to my “associated account” and in turn you burn me for it . In my business every customer is valuable because I truly understand without them there would be no me, SQUARE it a shame I need to remind you of this . 

 

 

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I’m baffled by this myself 🤔 unfortunately, I am a business owner and just like you I can only offer advice anything I can think of that might be helpful and send you up further. I find it ironic how you stated without you there is no US! I tell this to our customers often as possible. They are what keeps us going and pushing forward. I watched as small businesses which use to be the backbone of America close up after 40 years and 2 generations and it hurts. If you made it through the pandemic and the period afterwards, you my dear can make it through this! Does it hurt yes, are you stressed out yes, if you didn’t see my responses earlier or they are not there I am only going off of Facebook and adding helpers to your account as I don’t have any here. But I walked you through the steps. One loan officer mentioned out of the many it had to do with your metrics. They change daily so double check those numbers daily and see if anything has dipped since the time you were approved and take notes, right down your questions, your concerns anything that comes into your head. I did semi copy and paste the meaning of the highest escalation and the rest I knew about. I don’t ever turn on my notifications during work but I will today and tomorrow and if you get stuck and can’t find where your 2 accounts are linked send me message and I will get it and start digging around to see if I can search it out. But I think the response to you about where to go in settings from Facebook should be around that same area. Good luck and keep business and family number one ok. You are one tough person and most would have caved. So hold tight and hopefully by Monday the go between will reach out and get you back on track! Don’t hesitate to message if you need help ok. 

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@Square @Twpchair @Abby_M 

 

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 I check my dashboard and see this !! It’s like a huge blemish on all my hard work. Soon as I calm down a bit I see that and it all comes back to me . In all my years no disputes , account reviews , etc . It because of that loan application . I know this will hang on for awhile and it is so frustrating to me. What gets me is underwriting asked me …. and they discarded my answer . Just plain out. My metrics are good and have been for a long time.

I am not sure how to connect this to Facebook, I don’t even have my business on Facebook. Help me understand what you do with Facebook . 

I am tough and don’t back down easy. I have checked  BBB etc . SQUARE has a good rating but tons of complaints in this same matter …. Hmmm ? Why is it not something they take seriously ? I don’t know. I also did my homework on Adverse Action Laws and not only do they have to notify you of a reason ( they did ) but they have to offer corrective action options ( they are not) . in their sellers guidelines it states a team member or authorized user will not effect their own account in getting a loan. So that is misleading and not being followed .  

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It’s not connected through facebook I was using that as a reference to the only connection I have associated with any accounts. I have my poor mom help me with size, dimensions and do you have other colors etc. I’m retail furniture store and all information is posted in there comments but women tend to be very visual and look at the pictures and not read the entire post is all. I don’t have any one on my square but myself. Unfortunately, yours is associated to his account and it is the only factor that that states need work. I’m just assuming if it was like facebook or Meta I had to do that on my end. You couldn’t add yourself type thing. So I don’t know what he added or granted you permission for but he would have to revoke those privileges by dropping you off , hitting delete but if you are there let me check and see what he could have done and make sure all are gone. I will just type in on my end like I am going to grant someone permission and what or how much it pulls up? Give me just a few minutes as this is new for me too. I’ll be back though. 

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Here it is 

 

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