Sezzle Inc.

I used Sezzle to purchase an item through XXXX in XXXX. The seller never shipped the item and became abusive when contacted. I have provided Sezzle with proof including order details, lack of shipment, and communication attempts. Despite this, Sezzle has refused to resolve the dispute or issue a refund. This is a clear case of non-fulfillment of goods. I am requesting a full refund and proper handling of this dispute. XXXX didnt even step in as theyre website is built to bring you back to the starting page and Ive tried on multiple devices to solve this problem

I used Sezzle to pay for a purchase in full, including what was presented to me as a promotional discount through their Sezzle Premium subscription ( referred to as Sezzle Spend ). This was not explained as store credit or restricted funds, but rather as a discount applied to my purchase. After issues with the merchant, I was issued XXXX refunds : {$20.00} and {$30.00}. However, these refunds were not returned to my original payment method. Instead, Sezzle has either failed to make the funds accessible or has applied them in a way that prevents me from actually accessing or using my money. Despite multiple attempts to resolve this with Sezzle customer support, I have received inconsistent and unclear explanations. I was told the funds would be returned, but they have not been properly credited in a way that allows me to use or withdraw them. The company is effectively holding my money without providing clear justification or access.…

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I am submitting this complaint regarding Sezzle and their lack of response and unwillingness to work with me to resolve my account. I currently have an outstanding balance and have made multiple attempts over the past several weeks to resolve it. I specifically requested that Sezzle review my account for a waiver or reduction of late fees so that I could pay the remaining balance in full immediately. Each time I contacted customer support, I was told that my request would be escalated to a manager and that I would receive a follow-up. However, despite waiting several weeks, I have not received any communication, updates, or resolution. I have had a strong history of making my payments on time prior to this issue. Unfortunately, I experienced a medical situation that resulted in hospitalization, which impacted my ability to make payments during that time.…

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Hi XXXX, Thank you for your response. I would like to clearly state that I do not recognize or authorize the transaction in question, and I will not accept or acknowledge any charges that are fraudulent. I have already made a good faith effort to contact the merchant and have received no response, which further supports my concern that this transaction is not legitimate. Freezing my account and requiring me to accept unauthorized charges in order to regain access is not an acceptable resolution. I am formally requesting : - A proper investigation into this transaction - Removal of the unauthorized charge - Immediate reinstatement of my account access without requiring me to accept fraudulent charges If this matter is not resolved, I will escalate it further through my financial institution and file a complaint with the appropriate consumer protection agencies. Please advise on the next steps.…

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TO XXXX XXXX XXXX XXXX : SEZZLE NOT A XXXX COMPANY. SEZZLE COMPANY .THIS COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT.…

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I signed up for a Sezzle account, which charges you an XXXX dollar fee every month. They offer single use virtual cards that never work no matter what. You can type the information in for the virtual card or copy the virtual card and your card will still be declined. Additionally, they charge you a portion of it that is taken out of your bank account. There is no customer service phone number, but only a online messaging system. A consumer can have a brand new virtual card and all the correct information for the card only to be declined at checkout due to discard already being used when it hasnt. Today, XX/XX/year>, I placed an order with XXXX for only {$22.00} and Sezzle charged {$120.00} by putting four orders in for one placed one. Upon the messaging from an alleged live person, he pretty much told me too bad so sad.…

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I am submitting this complaint regarding my account with Sezzle and its handling of my request for review under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I was an active-duty servicemember during the relevant period and experienced documented military pay disruptions during initial training that temporarily affected my ability to make scheduled installment payments on my Sezzle account. These disruptions were related to military administrative pay issues. Once my military pay was restored, I promptly brought all outstanding balances on my account current. I do not dispute the underlying obligations and no principal balance remains unpaid. On XX/XX/year>, I contacted Sezzle through its support system and formally placed the company on notice of my SCRA rights.…

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I ordered from smokekind.com through sezzle to a build credit faster and ease of use normally .. this company sent me fake as well as moldy products.. I sent the merchant a communication showing issues asking for return info to which I was told. They dont usually accept returns funny, because theor own policy in the site says XXXX days which is what sezzle says is the issue when in essence it has nothing to do woth the actual issue. I sent all the pics and communication to sezzles dispute team.. since smoke kind never replied once I said well thats a scam because I had to open to see the mold and discover the items are fake and not consumable even if was real woth mold. Sezzle dragged on having me resend info over and over. Then decides against me on the basis of I cant show them where they told me XXXX days but I sent them the site of merchants own return policy which I said to sezzle XXXX I only have XXXX days to return per their policy which is a fact.…

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This message is in response to your notice you sent post dated XX/XX/year>. I sent you, meaning SEZZLE, a notice on XX/XX/year> informing you that a fraudulent account was opened with my information as a result of identity theft. You stated that the account can't be located yet you are currently reporting this account to the credit reporting agencies XXXX XXXX XXXX XXXX. I have provided you the information you've requested to complete your investigation. I am instructing you to remove the fraudulent account from my consumer reports at all consumer reporting agencies.

On XX/XX/year>, I purchased an item from XXXX XXXX using Sezzle installment payments totaling {$720.00}. The order was never fulfilled and was later refunded by the merchant. To pay my installments, I loaded {$450.00} from my personal debit card into my Sezzle Balance specifically to satisfy payments for this order. These were not promotional credits or rewards they were direct debit card funds. After the merchant issued the refund, part of my payments were returned to my debit card. However, {$450.00} remains locked in Sezzle Balance. Sezzle has refused to return these debit card funds to my original payment method and has stated that Sezzle Balance funds can not be withdrawn or refunded. I requested escalation and a manual review but was told no exceptions are possible. I am seeking the return of {$450.00} to my original debit card because these funds were tied to a canceled and refunded transaction.

I disputed this Sezzle account with the collection agency XXXX on XX/XX/year>. XXXX acknowledged my dispute and stated collection activity would be paused while validation was obtained. More than two months have passed with no validation provided. During this time, the original creditor Sezzle continues to report this account on my credit report, despite the debt remaining unverified. I am requesting deletion of the Sezzle tradeline and any associated negative credit reporting related to this account, as it can not be substantiated and has not been timely validated.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I contacted Sezzle about their hidden fees. They charge me a {$6.00} failed payment fee on XXXX orders ; the payment was never attempted from my bank, so how can they charge that fee? They are not a bank. They charge a {$16.00} fee on XXXX orders if the order is XXXX days late, and this is a pay-in-XXXX bi-weekly order. My order was XXXX days late. They already charge a {$7.00} service fee on each order. They charge me a reschedule fee of {$7.00}. So many hidden fees for a total of {$110.00}. I pushed an order out due to needing an extension. I assumed my next payment would also be pushed out due to the payment extension. They charge me for both orders of {$180.00}, which is XXXX payments on the same day. No communication, and if the consumers knew about all these fees, I would not have gotten these loans. I contacted them, and XXXX with the company stated the fees are non-refundable. XXXX days is a small window for a grace period.…

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I am filing this complaint regarding a fraudulent account that does not belong to me ( SEZZLE INC account XXXX XXXX XXXX XXXX XXXX XXXX ). I previously disputed this account with the credit reporting agencies and Creditor ( SEZZLE INC ) providing notice that the account resulted from fraud/identity theft. Despite this, the account was marked as verified without any meaningful investigation. ( SEZZLE INC ) : failed to provide any evidence that I am responsible for this account, such as a signed contract, application, or proof of identity verification. Simply confirming information already in their system does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that ( SEZZLE ) and credit bureaus conduct a proper investigation and permanently remove this fraudulent account from my credit reports.…

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The merchant charged multiple penalty fees including late payment fees, failed payment fees, a balance add fee, and a {$9.00} subscription charge totaling {$140.00}. These fees were charged despite the merchant holding my funds and their billing system preventing timely resolution. I attempted to make payments and resolve the issue, but the merchants system design caused unavoidable delays and improperly triggered penalty fees. I am not disputing the original installment/payment amount owed. I am disputing only the penalty fees and subscription charge as billing errors resulting from the merchants handling of funds and system failure. The merchant refused to reverse or refund these fees even after I contacted them and explained the situation. I am requesting a full refund of {$140.00} for all improperly charged fees and the subscription charge.…

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I had several installment loans with Sezzle. All installment loan balances were completely paid off on XX/XX/XXXX. Shortly after those loans were completely paid off, I was notified that my account was restricted and I would no longer be able to use their services. A merchant ( XXXX ) had issued a refund on one of the installment loan purchases so it credited my Sezzle Balance account in the amount of {$14.00} on XX/XX/XXXX. I contacted their customer service team and explained the situation to them. I had received a refund, the balance shows on my Sezzle account balance, but since my account is restricted, I can not access/use the money since their company policy is to only allow Sezzle balance 's to be applied to repayment of installment loans. The customer service representative advised they were working on a solution to refund that money to my bank and it arrived on XX/XX/XXXX into my account.…

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Sezzle withdrew money from my bank account for disputed and excessive fees after I refused to pay them. The withdrawal caused my account to go into overdraft and resulted in financial harm. I was unable to stop the debit, and the fees were unreasonable compared to the original purchase. I am requesting a refund of the fees, reversal of the debit, and removal of any overdraft-related charges caused by this withdrawal. The amount I was supposed to pay was {$5.00}, instead I was charged and added {$17.00} and {$7.00} fee on top of that for late and failed payment. This was due on the XXXX XXXX XXXX, which I was unable to pay due to the big snow storm hitting and being unable to go anywhere, as well as the power outage due to that. I had emailed and told them this just to be ghosted and a forced payment went into my account which put me into overdraft.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

I am submitting this complaint because a debt is being reported and treated as unpaid even though it was paid in full. This account was originally with Sezzle. The debt was later sold or assigned to XXXX. I paid the full balance directly to XXXX, and I received written confirmation stating that the account was paid in full. Despite this, Sezzle has refused to provide a paid-in-full letter and continues to treat the account as unpaid. As a result, my lender is stating that the debt is still open, which is preventing me from moving forward with financing. I am requesting that Sezzle and any related parties : 1. Correct their records to reflect that the debt was paid in full 2. Provide written confirmation showing a zero balance 3. Stop reporting or treating this debt as unpaid with any lender or credit reporting agency I have documentation showing payment and the paid-in-full confirmation from XXXX. I am asking for this issue to be formally investigated and resolved.…

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I have a sezzle account that I have had for some years now. An unauthorized hacker or user gained access to my sezzle account and made purchases under my name with a debit card that does not belong to me. I dont even have any idea how this card could be added to my account as it does not match the name on my account which is mine. Sezzle has been non stop contacting me in order to attempt to collect these owed funds. I have reached out to sezzle support informing them that these purchase were not made by me as can be seen from the card used. I would assume the card used by the fraudsters was fraudulent. When I contacted, basically brushed me off and said that I would be held accountable for these transactions and if I choose not to they would be reported to collections. I demand I be absolved of these charges as I should not be held responsible for their lack of security.

Sezzle Account # XXXXXXXX XXXX XXXX XXXX XXXX This is in response to Sezzle 's response under CFPB # XXXX, which I will attach to this updated complaint. Based on your response that you're the original creditor & claimed to be reporting the account accurately on my consumer report in which i will attach a screenshot to show all inaccuracies, you as the data furnisher have violated me. I am submitting this complaint regarding Sezzles continued furnishing of materially inaccurate, incomplete, and misleading information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite multiple disputes, Sezzle has failed to correct or delete demonstrably inaccurate information on my consumer reports and continues to rely on conclusory statements and unsigned documents that do not establish legal liability for the alleged debt.…

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I am submitting a complaint regarding Sezzles billing, acceleration, and fee practices, which are making repayment impossible despite substantial payments. My account was originally set up under a four-installment loan plan, which was presented as manageable. After missing payments for approximately one week, Sezzle accelerated all remaining installments and made the full balance due within one week. This sudden acceleration caused my balance to spike beyond what I could reasonably pay and directly resulted in additional late fees and penalty charges. I was not given a reasonable opportunity to cure the missed payment or return to the original installment schedule. As shown on my XX/XX/year> statement, my previous balance was {$1500.00}. During the statement period, I made {$810.00} in payments. However, Sezzle added {$850.00} in fees during the same period, resulting in a higher balance of {$1500.00}.…

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I am submitting this complaint regarding a refund error by merchant XXXX involving a purchase paid for through Buy Now, Pay Later provider Sezzle. The items were purchased as XXXX gifts and were never received. I immediately cancelled this order minutes after purchasing on XX/XX/XXXX because I realized I did not click the option of fast shipping so I would not receive them by XXXX. The original order was {$200.00}. XXXX stated that items were already in processing so were unable to cancel XXXX items bringing the refund amount to {$160.00}. XXXX claims that a refund was issued for this order. However, Sezzle has confirmed in writing that the refund was processed to a card ending in XXXX, while the Sezzle virtual card used for this transaction ends in XXXX. I want to clearly state that I do not have, and have never had, any debit or credit card ending in XXXX. That card does not belong to me.…

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I submitted a dispute to Sezzle on XX/XX/year> regarding a defective item purchased from a merchant. Sezzle accepted the dispute, opened a case, and requested multiple rounds of documentation, including photos, order details, and diagnostic confirmation from the manufacturer. I provided all requested evidence promptly. During the review, the merchant confirmed in writing that the item was defective and eligible for a refund under their guarantee policy. Sezzle continued processing the dispute, asked for additional documentation, and indicated they were reviewing the case. After I submitted every document Sezzle requested, the company abruptly closed the dispute and stated they could not proceed because the order was more than 90 days old. If this policy applied, Sezzle should have rejected the dispute immediately instead of accepting it, requesting evidence, and actively processing it for several days. Their actions caused me to rely on the dispute process in good faith.…

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Sezzle has sent me a few emails regarding a declined payment and my payment method is deactivated. They are asking me to add a new card to process the payment. I have XXXX orders or outstanding balances through sezzle. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, and XX/XX/year> I received emails to update my payment method. In the attached, emailed labeled with " action required '' are the deceptive emails. I attached a SS of one of them.

Yes my name is XXXX XXXX XXXX I have a problem! With a company sizzle it was really awkward cuz there was charges i did not recognize and late fees not 1 but 2 for 7 transactions I dont remember! But look at this I had the best subscription that I did not have to pay late fees! I called them to say or 3 days before n they were gon na call me to reacchudle cuz I couldn do it manually! Around that time there was a tragedy in my family! They never email! They never called back! Never heard! Ok they closed! Down! My score went down a few points! N they reopen it! And claim Im 30 days late! N its a delinquent report! When they are emailing! To the hacked email to the hacked number so I told them there was fraud! And they dont remember or not answer! I have a list of things that were breach n to my surprise sezzele was! Involved! Like this is fraud to charges when I was not supposed to pay that n too much! I tried fix thing no help! Nothing!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to formally dispute the following account that your company is reporting : Account Number : XXXX XXXX XXXX XXXX XXXX SEZZLE INC This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any way. The account is the result of identity theft or error. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am requesting that you conduct a reasonable investigation and immediately cease reporting this account unless and until it is properly verified. If you are unable to provide competent evidence that I am legally responsible for this debt, you must delete the account from all consumer reporting agencies and confirm this deletion to me in writing. Sincerely, XXXX XXXX

I had disputed with sizzle a couple of unauthorized charges that requested information on those I also requested them to fix on my credit bureau with XXXX they didn't show the payments correctly that showed that I owed a balance that I did not owe. I sent them my bank statements showing proof of the payments they said they'd get back to me I never heard back. I tried to contact them after some time went by they had me blocked. I couldn't call I couldn't go online they had it blocked. I get an email from XXXX XXXX say that they have the account I requested from them complete documentation and the authorization that they had from Sizzle. I was told that I owed {$39.00} at this point of just trying to get this corrected to where I can get mortgage I have some if I paid this I want documentation show and it's paid in full and I wanted to reflect that through sizzle. Remove the payments that they showed I owed since they were incorrect.…

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I ordered from XXXX using Sezzle on XX/XX/XXXX for {$190.00}. Each payment was meant to be {$48.00} every XXXX weeks. On XX/XX/XXXX, Sezzle charged me {$72.00}. I had an old card on the account that had been set as my default payment in the app, but I bought from XXXX using my current card, and set the payment method up on that card. On Monday, XX/XX/XXXX, I received an email from XXXX XXXX ( my old bank ) that my card had been declined for insufficient funds for Sezzle. But, when I checked the app, it showed it would be charged to my current card. Because Sezzle charged my old card, they tacked on a {$6.00} failed payment fee and a {$16.00} late payment fee. I called customer service and they said it was my fault and they would not refund me because my current card was not set as my default card. Even though I set my current card as the card to use when I bought the order from XXXX.…

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I am submitting this complaint regarding multiple payments processed by Sezzle on my account after prior failed transactions, which were later completed simultaneously without renewed authorization, causing financial harm. Sezzle has confirmed in writing that these payments were previously declined and that their system kept trying to charge my stored credit card until the payments were completed. All disputed payments were processed in bulk on XX/XX/year>, after multiple prior failures. While I do not dispute that payments were owed, I dispute the manner, timing, and authorization of the retries and bulk completion.…

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