Sezzle Inc.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

Sezzle charged me a {$23.00} late fee ( {$6.00} failed payment fee and {$16.00} late fee ) on a {$19.00} installment payment, which is disproportionate, punitive, and constitutes an illegal junk fee under CFPB guidelines. They also refused to offer hardship assistance when requested. This is regarding order number # XXXX.

I opened an account with the mobile app sezzle they offered {$600.00} in purchasing power which I occupied in a purchase request their employees claim no purchases can be made if all purchasing power is allocated to a single purchase request although during the fact from sources unknown XXXX purchases were made unbeknownst to me employees claim purchases were not made fraudulently although theres no possible way for me to have made them

On XX/XX/year>, I formally revoked authorization for Sezzle to debit my bank account and debit cards. I communicated this directly to the company via their support chat. The companys automated system acknowledged my request and confirmed that my bank account had been removed from the platform. At that time, I also requested the removal of my debit cards to ensure no further unauthorized " forced '' pulls would occur. Despite this clear revocation of authorization, the merchant began attempting multiple unauthorized ACH withdrawals from my bank account starting in late XX/XX/year> and continuing into XX/XX/year>. These unauthorized attempts have caused my bank account to incur eleven ( XXXX ) separate Non-Sufficient Funds ( NSF ) fees of {$35.00} each, totaling {$540.00} in fees alone. When I attempted to resolve this through the merchant 's support channels, I was met with automated responses and a refusal to acknowledge the XXXX revocation.…

I disputed a transaction involving Sezzle after services connected to XXXX XXXX were not rendered. Before escalating the matter, I contacted Sezzle directly and provided supporting documentation showing that the airline services were not provided, including evidence related to XXXX XXXX ceasing operations. Despite receiving this documentation, Sezzle did not meaningfully respond or resolve the matter within several business days. I then disputed the transaction through my bank, XXXX, which issued a temporary credit. I also revoked authorization for further debits and requested a stop payment. After the dispute and revocation of authorization, Sezzle attempted to process another charge for the same amount using altered payment processing/account details. This occurred while the matter was already under active dispute investigation. Due to concern over continued unauthorized debit attempts, I was forced to close my debit card and request a replacement through my bank.…

I used a buy now, pay later service through Sezzle to purchase an order from XXXX ( XXXX # XXXX ) totaling {$530.00}. This amount included a separate charge of {$34.00} for shipping insurance. The package was marked as delivered by XXXX on XX/XX/year>. However, when I returned home, the package was not present. I did not take possession of the merchandise and believe it was stolen from my front porch shortly after delivery. A police report has been filed regarding the incident. At the time of purchase, I paid for shipping insurance with the understanding that it would protect against loss. There was no clear or prominent disclosure during checkout indicating that theft after delivery would not be covered. Based on the term insurance, I reasonably expected protection against loss, including theft. I contacted the merchant multiple times requesting a refund or replacement. The merchant refused, stating that their insurance only covers loss or damage during transit.…

am filing a complaint against Sezzle regarding a dispute that was improperly handled and closed. I used Sezzle to purchase an item that was marked as delivered, but I never received it. I contacted the merchant ( XXXX ) immediately and was instructed to wait several days. After following their instructions, I was told that my refund would be processed. However, the refund was never issued. The merchant then required a police report. I filed a police report documenting theft, including the item ( front struts ), delivery address, and date and time. I submitted this report multiple times in PDF format, along with screenshots and supporting documentation, exactly as requested. Despite complying with every instruction, the merchant refused to process my refund and claimed the police report was invalid without providing a clear explanation. After submitting the documentation again, the merchant stopped responding.…

On XX/XX/XXXX, I purchased a car battery from XXXX using sezzle. I get to XXXX to get it installed and it ends up being the wrong one. I return the wrong battery and the refund gets processed towards the sezzle card. Being that I need a more expensive battery and i had a {$140.00} spending limit, I add {$78.00} to my sezzle balance thinking it would act as a down payment towards the battery I needed to purchase for {$210.00} XXXX learned the hard way that it did not work like that.That {$78.00} dollars will now be sitting useless in my sezzle balance. I spoke to XXXX different sezzle employees on the phone. They all informed me that the {$78.00} could only be used to make payments towards any outstanding balance and nothing could be done to return the {$78.00} to my debit card that they have on file. I truly don't understand how sezzle thinks it can just hold my money XXXX.…

Subject : Complaint Against Sezzle Excessive and Repetitive Late Fees Creating Debt Cycle I am submitting a formal complaint against Sezzle regarding what I believe to be excessive, repetitive, and unfair fee practices associated with their Buy Now Pay Later services. Between XXXX and XX/XX/year>, I incurred multiple late and failed payment fees on several Sezzle transactions. After reviewing my account history, I identified a concerning pattern : For a single missed payment, Sezzle routinely charged both a Failed Payment Fee ( typically {$6.00} ) and a Late Payment Fee ( often up to {$16.00} ), effectively stacking multiple penalties on one event. These fees were repeatedly applied across installment payments tied to the same original purchase, resulting in multiple rounds of penalties for what is essentially one obligation. In many cases, the total fees assessed were equal to or greater than the underlying payment amount.…

I am filing a formal complaint regarding improper fees charged to my account by Sezzle that were caused by system failures on their platform, not by any failure on my part. I am a paying Sezzle member ( {$19.00} subscription ), which explicitly includes priority customer service. However, I have not received the level of service promised, especially when attempting to resolve urgent billing issues caused by their system. The issue stems from Sezzles platform not functioning properly in the following ways : * The system does not reliably allow payment rescheduling * It submitted duplicate or unrecognized payment attempts without proper authorization or clarity * These duplicate/unrecognized transactions were flagged and rejected by my financial institution As a result of Sezzles system errors : * I was charged a {$6.00} payment failure fee * I was charged a {$16.00} late payment fee * These fees were applied to transactions that were not valid or were caused by their own system…

On XX/XX/XXXX, I received {$60.00} in Sezzle promotional cash. On XX/XX/XXXX, I placed an order through XXXX totaling {$100.00} in order to apply the {$60.00} Sezzle cash. I received confirmation that the order was successfully placed under order XXXX XXXX. Based on this, my remaining balance was {$47.00}, and my payment plan was adjusted from four payments to two.However, today I noticed that Sezzle cancelled the original order on their end and created a new order under XXXX XXXXXXXX for the same amount of {$100.00}. I contacted XXXX directly to confirm whether my order had ever been cancelled, and they confirmed that it was not cancelled, that all items were shipped and delivered, and that only one order exists on their system.This creates a serious issue : Sezzle has effectively rebilled me for the full {$100.00} and removed the {$60.00} promotional cash that was originally applied, resulting in me being charged more than agreed upon.This appears to be a misrepresentation of the…

Sezzle was suppose to pay my power bill in XXXX but they paid my neighbors bill of {$220.00}. They mustve typed in the address wrong. Then they told me to go knock on my neighbors door to ask for the {$220.00}.

I was a victim of identity theft. There a charged off line of credit with a company called Sezzle. It was opened XX/XX/XXXX and closed for non payment on XX/XX/XXXX. Its says {$400.00} is whats owed. I did not open this account. I have no knowledge of this account. It had to be open fraudulently since Ive had issues with this before since my identity was stolen, I have disputed it with the credit bureaus, and Ive contacted the company directly as well.

On XX/XX/year> I was a victim of an unauthorized phone ESIM swap through XXXX XXXX which allowed the hacker to gain full access to my phone. They were receiving all of my text messages due to me losing immediate cell phone service. They were able to access all of my apps and emails and were able to change passwords to the apps and for my email since they were receiving the one time authentication codes. Within minutes the hacker was able to gain access to XXXX different applications placing unauthorized transactions and causing financial distress. Those XXXX applications were XXXX XXXX, Sezzle and XXXX. The hacker was able to login into my XXXX XXXX account and under the borrow feature which is essentially a loan, and send themselves a {$600.00} payment with an added {$30.00} fee totaling {$630.00}. They also tried to request an additional {$600.00} but I was able to deny that request as they were requesting it, making their second attempt unsuccessful.…

I used Sezzle to purchase a custom product from a third-party seller on XXXX. The terms, specifications, and design of the product were clearly agreed upon through direct communication in chat with the seller prior to purchase. My decision to proceed with the order was based entirely on what was agreed to in those messages. After the order was placed, the product I received or was shown during production did not match what was agreed upon in our chat. The differences were material and clearly deviated from the confirmed specifications. I contacted the seller immediately to address the issue. During this communication, the seller acknowledged that a mistake had been made regarding my order. Based on this, I formally requested a refund and cancellation of the order. Despite this request, the seller continued production of the item without my authorization or consent, and I did not approve any continuation after requesting a refund.…

I am a victim of identity theft. Someone opened a Sezzle account in my name and made fraudulent transactions of {$220.00} on the fraudulent Sezzle account. I never applied for a Sezzle account. The Sezzle account is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

I went to purchase an item online, and saw that Sezzle was there to split up the cost into multiple payments. I filled out my information to see if they would allow me to use their service to purchase this item online, and their website gave me an error. After receiving the error, I backed out, and bought the item outright without using Sezzle. Item is paid for 100 % by me. My bank account has a charge on it from Sezzle even though I never used them to checkout. I contacted Sezzle and they told me to reach out to the merchant, and that the merchant would have to refund me the money. I reached out to the merchant and the merchant can see my own order but nothing from Sezzle. Sezzle is now asking me for a screenshot of the order confirmation to see the payment method. I sent this over and haven't heard back yet, but I feel it won't make a difference to them.

Sezzle XXXX XXXX told me on XX/XX/year> per my phone conversation a refund escalation was sent in for my refund to be processed. The phone agent advised a refund would be issued for the order.

I am filing a complaint against Sezzle for processing unauthorized charges after I revoked authorization. Over XXXX transactions, initiated today, XX/XX/XXXX. On XX/XX/XXXX, I contacted Sezzle support and explicitly requested that my payment methods be removed and that all authorizations be revoked. I clearly stated that I wanted to revoke authorization. I also attempted to remove my payment methods myself but was unable to do so due to limitations on their platform. Despite this, Sezzle later processed a charge on my account without my authorization. I contacted Sezzle regarding this issue, and they have refused to issue a refund. They are claiming that my revocation was not valid because I did not confirm or acknowledge disclosures. However, revocation of authorization does not require confirmation or agreement to disclosures to be valid. Once I withdrew permission, they no longer had authorization to debit my account.…

On XX/XX/XXXX I ordered a juicer from glow-hounds.com. I received a receipt of purchase. A couple days past no tracking information was provided. I then reached out to Sezzle this is the platform that allowed me thecredit for the purchase. I shared with Sezzle that I think the site is fraudulent. I reached out to glowhounds only to be ignored still no tracking information weeks later. Sezzle asked that I provide proof but all I had at that moment was the receipt since the merchant was ignoring me. I reached out to Sezzle to let them know this was fraud. They use a very unreliable engine to upload documents and they kept treating the transaction as if it wasnt fraud. I then contacted my bank to let them know what took place. My bank then retrieves the installment payments and returns them to me, they sided with me because it was proven to be fraud. Once my bank got involved out of nowhere the merchant emails me weeks after the supposedly delivery with tracking information.…

A purchase attempt was made on XXXX XX/XX/year> at XXXX using my Sezzle Anywhere card. The purchase failed due to a register error and was marked as aborted on the register. However the charge for {$300.00} was marked as Pending with Sezzle, I contacted Sezzle immediately and was told that as a pending transaction it would be released in 7 days and to reach out via email if it was not. I was never released and I was still charged. I reached out via email and after 2 weeks of back and forth they told me there was not enough information to show that the transaction was aborted, even after providing the aborted receipt from the register. I took up the issue with XXXX, however they confirmed that no money was exchanged on their end since the transaction was aborted. Sezzle has continued to charge me and I have so far paid {$240.00}.

I am submitting a follow-up complaint regarding Sezzles prior response to my CFPB case, which did not address the core issue of my dispute. My concern is not simply about the accuracy of reported payment history, but whether the account and associated activity have been correctly attributed to me. In my previous complaint, I submitted substantial documentation, including : An FTC Identity Theft Report A notarized affidavit confirming identity misuse A bank fraud investigation outcome confirming unauthorized transactions These documents were provided to support my claim that I did not create or authorize the account or certain activity associated with it. However, Sezzles response focused only on payment history and credit reporting, and did not acknowledge or address any of the identity theft documentation I provided. They also did not explain how my identity was verified or how the account was linked to me.…

I earned {$26.00} in rewards ( Sezzle Spend ) which have a cash value on the platform. Sezzle 's management ( XXXX XXXX ) provided written instructions on how to redeem these funds. However, Sezzle 's automated system is blocking the redemption path while simultaneously allowing the funds to expire. They are refusing to extend the expiration or manually apply the credit, effectively seizing my earned property.

I am writing to formally report and seek resolution for a significant security breach and fraudulent activity associated with my Sezzle account. This account has been largely dormant, with no activity for over a year. On XX/XX/XXXX, my husband and I were victims of a sophisticated identity compromise and account hacking incident. As a direct consequence of this breach, unauthorized transactions totaling over {$600.00} were fraudulently processed through my inactive Sezzle account, primarily for the purchase of gift cards. A critical aspect of this security compromise involved the unauthorized porting of my personal mobile phone number to an alternative cellular carrier without my consent or knowledge. This necessitated my husband acquiring a new phone number to mitigate further risks from the extensive fraudulent activities impacting our personal data.…

XX/XX/XXXX I added {$200.00} to my Sezzle balance to pay my payments through Sezzle. I was having issues making those payments with that {$200.00} so I reached out to Sezzle customer support. They did not respond to me until XX/XX/XXXX where they said the Sezzle balance is pending and thats why Im unable to make my payments. I specifically asked them to not pull from my bank as I added the necessary funds to the sezzle balance directly to make my payments and they did not respond. The same day and the day on the XXXX, the payments began to come out of my bank account which I did not authorize and resulted in me being negative XXXX $ in my bank. I reached back out to sezzle the same day I saw this and requested my XXXX $ be returned to me. They said no, you can use it for future payments. I said excuse me? So you can take an extra XXXX $ from me and theres nothing I can do about it? And so here I am because they continue to refuse to return my over payment.…

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.…

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.…

was unable to make payment on time, withdrawls were made from account without authorization, which lead to a negative balance.

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.…