Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/29/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Sezzle has stolen ****** from me and wont respond. This is the first time Ive used them and its been a horrific experience. Ive shown them countless documents that the business apparently went out of business, yet they wont give my money back. I told them Id just get a chargeback from my bank, they told me if I do that, then Id owe the full amount and have to pay it all, even though Ive proven the company no longer is in business. Its been 21 days with no response from either the business or sezzle. Theyve basically just stolen my money and dont care.

  Business Response

  Date: 10/30/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding disputing a purchase financed by Sezzle. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

• Initial Complaint

  Date:10/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear ************* and Sezzle Inc.,I am disputing the accuracy and validity of the above-referenced account under federal consumer protection laws.15 USC 1692c: Prohibits unauthorized communication and continued reporting without consent.15 USC 1692g: Requires debt validation within five days of initial contact, which I never received.15 USC 1681e(b): Mandates credit bureaus to ensure maximum accuracy which you failed to do by reporting unverified information.This account must be deleted or corrected immediately unless full validation is provided. If not resolved within 30 days, I will file formal complaints with the ***** FTC, and my State Attorney General.

  Business Response

  Date: 10/30/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding credit reporting. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

• Initial Complaint

  Date:10/24/2025

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I rarely use Sezzle, but had an existing account. I used it to make a moderately-sized Halloween-related purchase.I used a current payment method to establish the purchase and make the first payment installment.For the second payment, Sezzle, without my knowledge or approval, reverted the payment plan back to a previous payment method that expired on or prior to 2023, which I had apparently used for some purchase at least three years ago.Sezzle tried to run a payment on a years-expired card and then immediately assessed me a late fee for their own decision to run an expired card, despite my making the purchase with a current card.Sezzle customer service has been extremely unhelpful -- they are clearly located outside the US and the language barrier is unfortunately a problem and all of their emails communication happens overnight.Sezzle's position appears to be that I should have known to go into my account and remove years-expired cards, otherwise they will charge them, even though I used a different payment method for the purchase.Customer service has refused to properly escalate my concern. On several different days, I have been told that manager would contact me, and that has never taken place.Customer service has been rude, resistant, and unhelpful. The company has acted in an unethical, predatory way. This action appears to be a scam run by Sezzle to harvest late fees by fraudlently charging expired cards and telling customers it was their fault for not removing them from their *******************************'s headquarters are located in the same state in which I reside, and I am reporting their predatory behavior to our state's **************************

  Business Response

  Date: 10/29/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding applicable fees. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 10/29/2025

   I am rejecting this response because:
  
  I think Sezzle is scamming their customers and strenuously refusing to acknowledge their own unethical behavior.

  Business Response

  Date: 10/31/2025

  Sezzle has received the shoppers response and appreciates the opportunity to further address their concerns regarding fees. We understand the shoppers concern and will be in further direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 11/03/2025

   I am rejecting this response because:
  This is another in a string of disjointed cookie cutter responses from Sezzle. 

  There either isn't the direct response the company is claiming, or the response is basically "kick rocks."

  The company seems to be claiming that their predatory behavior is technically legal, thus totally okay.

  It may be technically legal -- I don't have the time or legal degree to argue that point effectively today, but something can be technically legal to do and still blatantly unethical and wrong to enact on your customers.

  **********************'s customer service is essentially "na-na-a-boo-boo."

  It's gross, it's predatory, the poor customer service response suggests it is intentional.

  
  

• Initial Complaint

  Date:10/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Sezzle App is deliberately blocking manual payments and then lying about attempting account payments through bank account so that they can falsely charge a late fee double the amount of the payment due. Its a scam.

  Business Response

  Date: 10/23/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding our recent updates to payment processing. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

• Initial Complaint

  Date:10/17/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  the customer service number fails to get you in touch with a live agent. I have called multiple times with hold music playing for over 40 minutes. They keep asking me to verify my SSN but when I put it in it says it cannot be verified and to call. BUT no one answers the phone, there has been no change to my SSN. So if we could get this figured out that would be great. NO problem taking my money but failing to respond to consumers is annoying

  Business Response

  Date: 10/20/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding account updates and difficulty reaching our Support Team. We understand the shoppers frustration and will be contacting them directly to resolve the matter. Due to confidentiality and privacy considerations, we are unable to share additional details publicly.

  Customer Answer

  Date: 10/20/2025

   Better Business Bureau:
  
  My issues have been resolved. 
  

   

• Initial Complaint

  Date:10/16/2025

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased some items from ********************* and used Sezzle to pay for the items. Using Sezzle allowed me to break up the payments into 4 payments that will automatically get taken from my account every 2 weeks. On my schedule payment date, Sezzle used an expired card on my account to attempt payment. Due to the card being expired, the charge was declined. Sezzle charged me a $6.95 fee for this failed payment. I reached out to the company asking why they used an expired card and not the card I used to pay for my purchases and asked them to remove the fee. Not only did they not remove the fee, I was charged an additional $16.95 fee for failing to make my payment. I contacted Sezzle to dispute the transactions and was told "When a payment attempt fails for various reasons, including but not limited to insufficient funds, incorrect account details, or an expired payment method, a failed payment fee may be applied to the account. A late payment fee may also apply if the failed payment is not paid by its original due date or before the grace ****** expires (11:59 pm UTC the next day). Unfortunately, due to our policies, we cannot waive any fees."This is a bad practice for the company. I didn't associate an expired card to this transaction. Sezzle used my current card to deduct the payment and fees 2 days after the initial payment was denied with the expired card. So, it is okay for them to charge my card for fees and the purchase after the fact, but not when it was originally due. How am I responsible for this practice?

  Business Response

  Date: 10/20/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding the fees associated with their recent payment. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 10/20/2025

   I am rejecting this response because: The organization has denied my claim stating that it is my fault that I didn't delete the expired card on my account. It is unethical to setup a payment plan for a purchase with one card and the merchant uses another card at their discretion. In addition, the card shows expired on my account.
  
  
  

  Business Response

  Date: 10/24/2025

  Sezzle has received the shoppers response and appreciates the opportunity to further address their concerns. We understand the shoppers concern and will continue to be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 10/27/2025

   I am rejecting this response because: I was just charged another fee $1.99 and I have removed the expired card. When I try to remove my current card, it states it is associated to an order and cannot be removed. The company charged me this fee and charged my current card associated to the account. So, close to $30 in fees and my card is on this account
  
  
  

• Initial Complaint

  Date:10/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I ordered a shirt from moko boutique on line. I went through Sezzle for making my payments. It started about a week ago when I tried to make my payment early. I was told by a bot early payments are not allowed. So right then I started getting a a thought that something was going to happen. I started then asking about my payment methods. I talked to bots. Sometimes they said they were a person but I dont really know. I told them repeatedly I did not understand the directions. A lot of times-the bot said they didnt understand. I was also told different things. Anyway I was told a debit card can only be used for a down payment and bank account for scheduled payments. One time it said I had my bank account linked. Another time it said I removed it. When they tried to take my payment it failed so they charged me for a failed payment. I am retired and I dont have money for this kind of things.. I tried to do what the directions said to set my default but was unable to do so. I am still confused and scared to make a payment. What if it fails? There is a phone number but no one answered. I have never had any problems with other places. Like affirm or Afterpay, never a problem. I am going to my bank today to try and stop them from getting any money. Can you please help me? Thank you

  Business Response

  Date: 10/20/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding the fees associated with their recent payment. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

• Initial Complaint

  Date:10/15/2025

  Type:Order Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They stole from me. My order never went through. They took my money, but never paid for the items, so I never got them and they are still trying to take more. There's no person to speak with. They ignored all of my attempts to resolve it.

  Business Response

  Date: 10/20/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns regarding an order dispute. We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 10/20/2025

   I am rejecting this response because:
  
  I have tried to resolve it with them directly, but they ran me in circles and would never address my complaint and are still trying to take more money from me and will not let me remove my card number from the site. No I do not accept it. They don't do anything. I want the BBB to handle the communication with them. Thank you so much for your help. 

  Business Response

  Date: 10/24/2025

  Sezzle has received the shoppers response and appreciates the opportunity to further address their concerns regarding an order dispute. We understand the shoppers concern and will continue to be in direct contact to address the issue. We can confirm that a direct response was sent to the shoppers email address on file on October 21, 2025, and we have not received a response. Due to confidentiality and privacy concerns, we are unable to provide further details.

  Customer Answer

  Date: 10/27/2025

   I am rejecting this response because:
  I did contact them and I filed a dispute. I don't know why they are saying that I didn't respond. There should be an open dispute. I don't think they are going to help me. They keep running me around and still trying to take money from me. 
  
  

• Initial Complaint

  Date:10/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had 2 orders that were due for payment, I usually move the money to the account they deduct from the day before to ensure it's there because they do not accept cash app. For those orders I had forgotten to do that because I had so many things going on In my private life. They attempted to take the payment the night before it was due and because it was not there, they immediately added late fees. I reached out to support for help, and was told sorry, not sorry. To me this is unfair business practices. I have never been charged late fees for a payment the day before or the day of a due payment. A payment is not LATE, until it is the day after it is due. If they could just be human and remove the late fees, it would be a great app. It is ridiculous.

  Business Response

  Date: 10/16/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns. Our records indicate the matter has been resolved directly with the shopper. Due to confidentiality and privacy concerns, we are unable to provide further details.

• Initial Complaint

  Date:10/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive encountered a serious and unacceptable system flaw within Sezzle that has negatively impacted my account and credibility as a responsible customer.Recently, your system incorrectly flagged one of my payments as missed, even though it was successfully processed as an ACH debit on a Friday. The funds were drafted from my bank, yet Sezzles platform still reflected the payment as late or missed which is clearly a system glitch or processing delay, not an error on my part.Because of this, my spending limit was suddenly reduced by over $900, which is both unfair and damaging. I have maintained a consistent payment history and should not be penalized due to a technical flaw within Sezzles processing system.This situation needs immediate correction. I am requesting:1.A manual review of my account and confirmation that the payment in question was successfully received.2.Full restoration of my previous spending limit without delay.

  Business Response

  Date: 10/13/2025

  Sezzle has received the shoppers complaint and appreciates the opportunity to address their concerns. The shopper's concern related to an ACH payment that appeared as missed due to standard processing timelines, which impacted their *************** We understand the shoppers concern and will be in direct contact to address the issue. Due to confidentiality and privacy concerns, we are unable to provide further details.