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:07/09/2023

  Type:Sales and Advertising 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 was shopping with Target on their site and it took out the full purchase amount. There was nothing about a limit and I didnt set any of the settings they said I did!

  Business Response

  Date: 07/14/2023

  We apologize for this frustrating situation. Unfortunately, your transaction did not meet the minimum amount requirement which is at least $20 USD* (including tax and all other fees). When an order is placed with your Virtual Card that does not meet the minimum, it will be placed in full. Please note that this notification was sent out via email when implemented as an update to our user agreement on June 22nd. 

  Customer Answer

  Date: 07/15/2023

   I am rejecting this response because: I never received the said information 
  
  
  

  Business Response

  Date: 07/17/2023

  This update was sent out to all shoppers. We recommend checking your spam as well as ensuring the email we have on file is accurate for you in the "Personal Information" section of your Dashboard. You can reference any changes here: *******************************************

• Initial Complaint

  Date:05/25/2023

  Type:Sales and Advertising 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 charged my credit card for a premium service that I had cancelled, within in minutes of canceling they charged me. I have reached out for several days to only get the run around about how they have escalated the issue. I don't think it's that difficult to issue a refund when they are the ones who made the error. They're practicing bad business and taking customers money without permission. Then they refuse to give it back.

  Business Response

  Date: 05/26/2023

  We're very sorry for the frustration this situation has caused. Unfortunately, we're unable to refund your subscription. Per our cancellation policy, You must cancel at least one (1) day before the next-scheduled subscription renewal date to avoid being charged for the next subscription period (e.g., if renewal date is January 10, you must cancel by 11:59:59 pm PT on January 9). This subscription was canceled the same day and within 2 hours of being charged. 

  Customer Answer

  Date: 05/26/2023

   I am rejecting this response because:
  
  I canceled the service and it was canceled and referred to the cancellation date of May 23rd. Canceled on May 22nd

  Business Response

  Date: 05/26/2023

  Upon review of your account, I can confirm that the subscription was canceled at 8:04?am CST on May 23rd. May 23rd was also the renewal date, so this was not canceled within the policy, unfortunately. 

  Customer Answer

  Date: 05/26/2023

   I am rejecting this response because:
  I was charged after I cancelled service spent 4 days contacting the company to fix the issue. Was given complete run around. Seems like their responses here are just the same. Also, very interesting that they have responded on this form almost immediately but when a customer emails or initiate a chat them they take a very long time to respond back. 
  
  

• Initial Complaint

  Date:05/15/2023

  Type:Sales and Advertising 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, for no reason, continuously changed my spending limit. I never missed a payment or had a late payment, but they changed my spending power drastically. Changing my limit hurt my credit repeatedly and when I closed the account, it really hurt my credit.

  Business Response

  Date: 05/16/2023

  Unlike a credit card, your limit with Sezzle can change over time - it may increase as you pay off Sezzle orders on time, or it may decrease if there are problems with your Sezzle account, like failed payments among other things. Limits are evaluated with each purchase attempt, so the more you purchase and pay off orders with Sezzle, the higher probability you will see your limit increase. Since it is fully determined by the automated system, we do not have a way to view the specific reason your limit decreased.

  Customer Answer

  Date: 05/16/2023

   I am rejecting this response because:
  
  It's a non response. I never ever missed a payment or made a late payment. When I wasn't using your service your business thought it was okay to decrease my limit and affect my credit as well. Credit is a serious thing, and you guys messed with mine for no reason. I want a new remark on my credit explaining that you guys are at fault for this, because I'm not.

  Business Response

  Date: 05/16/2023

  While our Terms and Conditions, section 1.2, explains this further, unlike a credit card, your limit with Sezzle can change over time as we look at various factors, including your repayment history with Sezzle and available payment funds, when determining your limit. Currently, we cannot manually increase limits nor view the specific reason your limit decreased. Since the information reported to the credit bureaus is accurate, we will be unable to make changes to that. We apologize for any frustration or inconvenience this situation may have caused. 
  

• Initial Complaint

  Date:04/10/2023

  Type:Sales and Advertising 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 recently missed a few payments with Sezzle and was working with them to make payments, I made all payments and then Sezzle made a unilateral decision to report my account charged-off to the credit agencies and sent me to a collection agency (***********) after review of this information I disputed the charge off with the credit bureaus and it was removed. I also called *********** and there was no record of ever being sent to a collection agency.

  Business Response

  Date: 04/18/2023

  Im sorry to hear you are having trouble placing an order. Our system reviews several factors during the approval process and if our system declines the purchase, we are unable to manually approve it. Due to the previous repayment history on your account, your account has been closed. 
   
  Please note, that Sezzle may take or impose this action that you may find in our User Agreement, section **** Restricted Activites. 

• Initial Complaint

  Date:01/26/2023

  Type:Sales and Advertising 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 used Sezzle multiple times for multiple orders since 2021. I had always paid them off on time or early. In June of 2022 I had a baby 2 months before his due date due to having COVID as well as a severe infection. I spent 3 weeks hospitalized after giving birth as well as a total of 2 months living 40 miles from home due to being in and out of the ***** This was also while still trying to be present for my other 3 kids. Due to Sezzles app glitching I was unable to reschedule my payment. With everything going on the payment slipped through the cracks. By the time I was home from the hospital I realized one payment was 6 days over 30 days late. This had NEVER happened before. I have requested a goodwill deletion and they refuse. I feel this is beyond heartless due to the circumstances that were out of my control. This one late payment on an otherwise very good credit report has dropped my score 90 points. Ive requested assistance MULTIPLE TIMES. Explained the situation to different representatives as well as requested they go over my history with them and yet no one cares to help. I filed a complaint with the ******** financial protection bureau and they werent even willing to give them a response.

  Business Response

  Date: 01/27/2023

  I apologize for the frustration this situation has caused and that you have been going through this hard time. I hope all is well with your family at this time. 

  Please note, we are legally obligated to report accurately to ***********, and this includes failed payments. Unfortunately, due to this, we cannot make any adjustments to past reports, and we cannot offer an exception to this.

  Customer Answer

  Date: 01/27/2023

   I am rejecting this response because: this was an extenuating circumstance. I was hospitalized as well as my premature baby being in the hospital. I have extensive proof having COVID as well as infection during the time of this as well as extensive proof that this is the ONLY payment made late during that time due to the app glitching and not allowing me to reschedule the payment when I tried to. The online chat queue to get a representative is almost ALWAYS ********************************************************************************************************************** I truly feel this is unfair and unjust as companies CAN offer goodwill deletion. This one just chooses not to. 
  

  Business Response

  Date: 01/31/2023

  I'm very sorry about this situation, but unfortunately, we are unable to assist in this matter. 

• Initial Complaint

  Date:01/04/2023

  Type:Sales and Advertising 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 is a company that splits store or online purchase in four payments.I purchase 161 dollar purchase at target which I use sezzle to pay $161split into four I was charge ***** to my bank account which is connected to sezzle.The purchase was gift cards from target.Target had fraudulent gift card as scammers went to there store and basically no amount was in the gift cards.same day I check gift cards there was $0 balance return them and explain the situation to target guest services they right away seen the gift cards had been tampered by thiefs gave me ***** refund that would go back to the card I purchase with in 5-7 business days.2 weeks went by and I seen no refund in my bank account and no return on sezzle account I message them threw email and chat these are the ************ in application. Sezzle said they where having a glitch in there system that they would fix it soon and I get my refund weeks went by and my second payment was gonna come of ***** they never fix issue they just extended my payment.i got an email from sezzle stating that they were still working on my account.Then one day I contacted them threw chat they said oh its been refunded I looked and yes it had 161 canceled order then on things on application I owe another order$161 same date same time same amount.I never purchase anything else after that 1 purchase at target I ask sezzle to please provide me the receipt number they say they only have an order ID to call target and fix it with them.target has no idea of that order I'd and they need a receipt number which sezzle doesn't have.I then told them if there was two transactions at target for the same amount that means ***** had to be taken out of my bank account from sezzle twice because it's two orders but there is not there's only one transaction of ***** because that is the only order I made.i have chat prove and bank account statements.prove sezzle says they cant do anything $161 total taken out bank I have chats I can email

  Business Response

  Date: 01/19/2023

  This refund was issued in August of 2022. Please work with your bank to locate the funds. Additionally, our support team will be glad to provide you with any further information needed to assist you and your bank in locating your refund.

• Initial Complaint

  Date:12/23/2022

  Type:Sales and Advertising 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 to open an account one year ago to purchase a ticket to a show. I have since been getting data leak notices and need to delete account. I have tried to contact them directly 6 times in the past year. Absolutely no response or assistance to get my account information deleted.

  Business Response

  Date: 01/09/2023

  We are so sorry to hear you want to close your Sezzle account. To close your account, follow the steps below:
  
  1. Log into your Sezzle dashboard (in a web browser, as our app does not have this capability).
  2. Verify that any outstanding orders are paid in full. 
  3. Navigate to the Account tab.
  4. Click on Personal Information.
  5. Scroll down and select "Close Account."

• Initial Complaint

  Date:12/11/2022

  Type:Sales and Advertising 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 signed in on the 10th to check the payment status. They lowered my available credit with no reason. I've paid everything early. This will destroy my credit rating. I've never in the life of my credit had a rescheduled or missed payment. Now they will be the first because of their tech. Hundred of people like me. And no one is going after them.

  Business Response

  Date: 12/20/2022

  Unlike a credit card, your limit with Sezzle can change over time - it may increase as you pay off Sezzle orders on time, or it may decrease if there are problems with your Sezzle account, like failed payments. We recommend keeping your account in good standing with no failed payments to ensure you can place orders without issue. At this time, it looks like your account has been closed. If you open a new account and have questions, please don't hesitate to contact our support team.

  Customer Answer

  Date: 12/20/2022

  I am rejecting this response because:

  
  

  I never missed a payment. Your cut and paste answers are pathetic. The BBB should go after you guys. I have proof of all payments, 90% made a week early . I will be suing you all in personal court if this shows up on my credit report as anything other then me shutting the acount down.And trust me, my family'smoney goes deeper then ******* your founder. filing with the fedral trade commission as a fraud. You all deserve worse imo

  Business Response

  Date: 12/27/2022

  While our Terms and Conditions, section 1.2, explains this further, unlike a credit card, your limit with Sezzle can change over time as we look at various factors, including your repayment history with Sezzle and available payment funds, when determining your limit.

• Initial Complaint

  Date:12/07/2022

  Type:Sales and Advertising 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 have a sezzle account. I had them for 2yrs with no problems. Then all of sudden I'm having all sorts of problems with them. Now for me to place a new order with them I have to pay off my whole existing balance of ******************* to place a new order. This has never been an issue before. This company is fraud.

  Business Response

  Date: 12/16/2022

  After reviewing your account, it looks like you have been able to place an order. If you have other concerns, please contact us at ****************************************

• Initial Complaint

  Date:11/25/2022

  Type:Sales and Advertising 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 transaction happened 11/25/2022. I owed a payment, and they took the money that wasnt authorized for them to use! I had a card for them to use and specifically stated in my account which card was for what. They didnt listen and will not allow me to remove the card from my account!

  Business Response

  Date: 12/05/2022

  We are very sorry for any inconvenience that this may have caused. It does state in our User Agreement that ********************** is able to pull funds from an additional payment method if they are unavailable on the default card.
   
  While I completely understand the frustration, I will need to respectfully redirect you to Section 2.8 of our User Agreement where you will find this information.