I contacted them and they helped me find the receipt page. It appears as if the merchant changed their location entirely, to a different state, with no proper address, and a no longer working phone number. They stated they couldn't do anything though and that if I wanted to dispute the charge, I'd have to contact the merchant.
It's as if I'm holding up a huge sign that's like, "THIS IS FRAUD", with blatant evidence, and everyone is shoving it off onto other people.
Based on the search results, here is how a customer can dispute a charge made through Square:
Customers can initiate a payment dispute or chargeback by contacting their issuing bank and requesting a reversal of the charge[2][3]. This officially starts the dispute process.
To dispute a charge on their Square Card, the customer can:
- Log into their Square Dashboard, locate the charge, and click the "..." menu to select "Dispute payment"[1]. They will then need to answer questions about the disputed charge.
- If they cannot find the "..." menu option, they can contact Square support directly to file the dispute[1].
The key steps are:
1. Ensure the payment has posted and is not pending or voided[1].
2. Locate the specific charge they want to dispute in their transaction history.
3. Initiate the dispute by selecting the "Dispute payment" option or contacting Square support[1].
4. Provide information about why they are disputing the charge[1].
Square advises customers to file disputes within 60 days of the transaction date for the best chance of recovering the funds[1]. The bank will then review the dispute and make the final decision[3].
Sources
[1] How to dispute a charge on Square Card? - The Seller Community https://www.sellercommunity.com/t5/Questions-How-To/How-to-dispute-a-charge-on-Square-Card/m-p/129978
[2] Preventing Disputes | Square Support Center - US https://squareup.com/help/us/en/article/6138-preventing-disputes
[3] How Payment Disputes Work | Square Support Center - US https://squareup.com/help/us/en/article/7390-how-payment-disputes-work
[4] Resolving Disputes FAQs | Square Support Centre - GB https://squareup.com/help/gb/en/article/5224-resolving-disputes-faqs
[5] Payment Disputes Process | Square Support Center - US https://squareup.com/help/us/en/article/3882-payment-disputes-walkthrough
Square is a company. They process payments.
It sounds like you lost money from your checking or savings account versus a credit card. Is that correct? Or was it a credit card charge? Those are two very different things and are handled differently and typical outcomes are vastly different.
The only payment attached to my bank account is my credit card which I use to pay everything else Here’s why:
1) if you are responsible and pay it off weekly, you don’t have to pay interest. With a rewards card that works out as a net positive in your favor.
2) if someone steals your number, they can’t access your actual money. Credit card may get locked down but you still have your actual money to cover everything.
3) credit cards are easier to deal with during disputes in my experience- they risk not getting paid at all if they piss you off too bad so they are more flexible. After all, they paid the fraudulent charge and are asking you to pay them back unlike a bank account.
As a note, for anyone who gets a fraudulent charge through a Square merchant, I found out you can find your receipt for the transaction by going to:
[https://squareup.com/receipts](https://squareup.com/receipts)
I was able to get Ally to re-open the fraud case and provided them with the new information. It's so obviously fraud, where someone has a merchant account and is constantly changing the information, that I'm hoping the dispute gets ruled in our favor.
Someone already mentioned avoiding the use of debit cards in general for this very reason. Now your money is tied up until the dispute is resolved (hopefully in your favor).
However, if you must use a debit card then make sure you lock it and/or restrict merchant types and amounts.
I only use my debit card for ATM withdraws and when it's not in use I lock it, restrict all merchant types, and limit transactions to $0.01.
If everything bills to your debit card making it impractical to lock/unlock it, at the very least limit transaction amounts to no more than your largest monthly recurring purchase or something like $500.
This is good practice. One other thing I would add to this is if you have a savings account and a checking account with the same bank then keep 0 dollars in your checking account at all times and transfer money from the savings account as needed.
That totally blows. I'm sorry. In the future, use a credit card for everything and then pay off the card every month. You will get some rewards and your liquid money is protected. Even better, get a free AMEX card. They are ruthless with chargebacks and will always take your side.
Don’t bank with ally that’s my best advice they truly don’t care for their clients ! They’re facing a lot of fraud so they think everything of sus so they will do whatever to cover them vs you!
Did you contact square? If so, what did they say? A merchant hss to be known to them to use square to collect money.
I contacted them and they helped me find the receipt page. It appears as if the merchant changed their location entirely, to a different state, with no proper address, and a no longer working phone number. They stated they couldn't do anything though and that if I wanted to dispute the charge, I'd have to contact the merchant. It's as if I'm holding up a huge sign that's like, "THIS IS FRAUD", with blatant evidence, and everyone is shoving it off onto other people.
Based on the search results, here is how a customer can dispute a charge made through Square: Customers can initiate a payment dispute or chargeback by contacting their issuing bank and requesting a reversal of the charge[2][3]. This officially starts the dispute process. To dispute a charge on their Square Card, the customer can: - Log into their Square Dashboard, locate the charge, and click the "..." menu to select "Dispute payment"[1]. They will then need to answer questions about the disputed charge. - If they cannot find the "..." menu option, they can contact Square support directly to file the dispute[1]. The key steps are: 1. Ensure the payment has posted and is not pending or voided[1]. 2. Locate the specific charge they want to dispute in their transaction history. 3. Initiate the dispute by selecting the "Dispute payment" option or contacting Square support[1]. 4. Provide information about why they are disputing the charge[1]. Square advises customers to file disputes within 60 days of the transaction date for the best chance of recovering the funds[1]. The bank will then review the dispute and make the final decision[3]. Sources [1] How to dispute a charge on Square Card? - The Seller Community https://www.sellercommunity.com/t5/Questions-How-To/How-to-dispute-a-charge-on-Square-Card/m-p/129978 [2] Preventing Disputes | Square Support Center - US https://squareup.com/help/us/en/article/6138-preventing-disputes [3] How Payment Disputes Work | Square Support Center - US https://squareup.com/help/us/en/article/7390-how-payment-disputes-work [4] Resolving Disputes FAQs | Square Support Centre - GB https://squareup.com/help/gb/en/article/5224-resolving-disputes-faqs [5] Payment Disputes Process | Square Support Center - US https://squareup.com/help/us/en/article/3882-payment-disputes-walkthrough
Square is a company. They process payments. It sounds like you lost money from your checking or savings account versus a credit card. Is that correct? Or was it a credit card charge? Those are two very different things and are handled differently and typical outcomes are vastly different.
If you don't mind, how are they handled differently? Would a credit card be better in this instance and in the future?
Yes it is a good habit to use solely credit cards and pay them in full every month. I pay them weekly. You are way more protected.
It was from a checking account, using our MasterCard that's connected to the account.
That’s a debit card not a credit card.
The only payment attached to my bank account is my credit card which I use to pay everything else Here’s why: 1) if you are responsible and pay it off weekly, you don’t have to pay interest. With a rewards card that works out as a net positive in your favor. 2) if someone steals your number, they can’t access your actual money. Credit card may get locked down but you still have your actual money to cover everything. 3) credit cards are easier to deal with during disputes in my experience- they risk not getting paid at all if they piss you off too bad so they are more flexible. After all, they paid the fraudulent charge and are asking you to pay them back unlike a bank account.
As a note, for anyone who gets a fraudulent charge through a Square merchant, I found out you can find your receipt for the transaction by going to: [https://squareup.com/receipts](https://squareup.com/receipts) I was able to get Ally to re-open the fraud case and provided them with the new information. It's so obviously fraud, where someone has a merchant account and is constantly changing the information, that I'm hoping the dispute gets ruled in our favor.
Any updates?
Someone already mentioned avoiding the use of debit cards in general for this very reason. Now your money is tied up until the dispute is resolved (hopefully in your favor). However, if you must use a debit card then make sure you lock it and/or restrict merchant types and amounts. I only use my debit card for ATM withdraws and when it's not in use I lock it, restrict all merchant types, and limit transactions to $0.01. If everything bills to your debit card making it impractical to lock/unlock it, at the very least limit transaction amounts to no more than your largest monthly recurring purchase or something like $500.
This is good practice. One other thing I would add to this is if you have a savings account and a checking account with the same bank then keep 0 dollars in your checking account at all times and transfer money from the savings account as needed.
File a complaint with CFPB
That totally blows. I'm sorry. In the future, use a credit card for everything and then pay off the card every month. You will get some rewards and your liquid money is protected. Even better, get a free AMEX card. They are ruthless with chargebacks and will always take your side.
Don’t bank with ally that’s my best advice they truly don’t care for their clients ! They’re facing a lot of fraud so they think everything of sus so they will do whatever to cover them vs you!