Sezzle Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 12550	Web
XXXX. Sezzle INCXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with Sezzle INC. and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32258	Web
I have mailed Identity Theft documents including FTC Identity Theft Affidavits, Police Reports, Summary of Identity Theft Incident, and the information that was appearing on my credit report to Sezzle 3 times on XXXX, XXXX, and XXXX as the fraud began on my identity in XXXX and have had ZERO communication or response until Thursday XXXX stating the fraud department determined it was not fraud but gave no more information or provide me with the documents or process of the investigation that I requested, as I am allowed this by law. It was ignored again too. The addresses these documents were mailed to were twice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and once to XXXX XXXX XXXX XXXX MN XXXX without any acknowledgment or communication beginning XXXX. In XX/XX/2022 shortly after my mother unexpectedly passed away, I fell victim to identity theft, where my Social Security number was found, linked to another ( fictitious ) name and address in XXXX XXXX. A total of 16 financial accounts were compromised, including my existing accounts, as well as new accounts, opened using my information. They were able to get complete total access to my entire XXXX and were able to clone the phone giving them access to do everything I would be able to do. They even made payments from my financial apps where my checking accounts were held to the credit cards so that they could keep charging on the credit cards so I would maybe not notice as quickly they even made thoughts payments to five of my accounts from three of my bank accounts checking, savings, and one of my business accounts. I was confused as to how my accounts and information continued to be accessed even after fraud alerts and reset all passwords and security info, but since they had access to my XXXX and my XXXX ( previous phone ), they were able to see whenever I changed any passwords, and what they were changed to and every action performed using my XXXX and able to access all information on it for months until XXXX finally was able to find the issue of my phone being so slow and shutting down which was due to infiltration to my kernel OS system on my device, according to XXXX. I had to purchase a new phone once this was uncovered. I have provided Sezzle with the police report, FTC affidavits, and supporting documents of true name fraud specifically where my SS # was linked to someone elses name and address, in addition to my XXXX having malware in its kernel ( OS system ) where the hackers were able to take full control of my device, access to my XXXX and all financials, and impersonate me when verifying accounts etc which even including calling my banks. Upon XXXX inspecting my device, they found 167 text messages stuck in my XXXX that was marked undeliverable as I had alerts set up with my banks and accounts to text me to verify charges or identity- these were stopped by the malware. Two days after XXXX inspected my phone and found this, they released a nationwide security update patch to all XXXX XXXX XXXX XXXX directly addressing and fixing this security issue. I requested Sezzle to provide me with all the documentation, processes, and supporting information used to determine their decision of not being a fraudulent account that I was notified briefly of this decision last Thursday without any elaboration. If a proper and complete investigation was initially done, it wouldve been clear that I was a victim of identity theft, and this account would have been found fraudulent as the 16 other accounts and creditors determined upon their investigations and review of my documentation. Unfortunately the three times I mailed it to Sezzle, no one responded. This account was charged off in the amount of {$350.00}. No one responded to the 3 requests I sent via mail, which is required to respond within 30 days of notification by law. So according to the consumer protection rights and FCRA regulations, this account could have been immediately removed from my credit report without liability. However, I decided to contact Sezzle by phone as I didnt want it to possibly have the potential to affect my future endeavors down the road. Remove this account immediately as it is a direct result of Identity Theft and send me a letter confirming the release of my liability and account removal from the credit bureau immediately as required by law. I have attached copies of the letter i mailed to you 3 times on XXXX, XXXX, and XXXX that were blatantly ignored, proof of SS # linked to another person and address including FTC affidavits again.
10/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78245	Web
I am writing today because as of XX/XX/22 I have been trying to work with Sezzle on information that they are reporting repeatedly incorrectly. Since XXXX XXXX I had completed my last payment to Sezzle, resulting in a XXXX balance, paid off. However, on XX/XX/22 I got an alert from XXXX XXXX stating a change in my score. I had seen that my score decreased by XXXX due to sezzle reporting that my balance had gone up. The company at the time only had the option to email for a live response. XX/XX/22 I reached out via email about the issue. on XX/XX/22 XXXX responded to my email and stated that there was a delay in sezzle 's reporting. Not to worry that the following month it would have correct information. XX/XX/22 I received a notification from XXXX XXXX, and again my points were decreased due to the same issue but now another month them reporting no payment. Mind you at this time my account was paid off. XX/XX/22 I again emailed about the issue. XX/XX/22 I sent another email and reached out to chat support via their website. I was connected to live agent who said their name was XXXX and informed that there was a delay, and that they do see where my account was paid off as of XX/XX/22. I was emailed the transcript of our conversation, informed a manager would call me, and that i would be mailed a {$0.00} balance letter. XX/XX/22 I got a prepopulated email asking for information. XX/XX/22 I replied and attached all screenshots of my credit, conversations w/prior agents. XX/XX/22 received a response from XXXX who stated that their was a delay in sezzles reporting and that it would be corrected the following month reflecting correct info. XX/XX/22 received a notification from XXXX XXXX, checked sezzle and the information was still incorrect. XX/XX/22 emailed sezzle again, got a response XXXX from XXXX stating that it was not an issue on their end that this was due to the credit bureau not reporting the information they provided. That there was nothing they could do to speed them up and that I would just have to wait. XX/XX/22 I received an email stating that sezzle was closing my account due to inactivity. XX/XX/22 I received notification that my credit limit decreased from {$350.00} to {$150.00}. However, there was no update on any payments since XXXX, or the pay off in XXXX. This caused my credit utilization to increase reflecting I had gone over my limit vs it being paid off before sezzle decreased my limit. This is a service where you are required to pay 25 % of the purchase before it is approved. Meaning if you try to purchase something over your limit it requires you to pay the overage amount plus the 25 %. XX/XX/22 called sezzle at XXXX and spoke with a guy who stated that " they have done their job, and that they can't force the credit bureau to report faster. " He informed me he will escalate and request manager to call me in the next few days and resend the {$0.00} balance letter out. This issue has not been addressed by sezzle, and during this whole process i have disputed the information 3 times, and each time it has been verified as correct from sezzle. This is not fair, and I am entitled to an accurate credit report that reflects correct dates, history, and balances. I can not believe a company would try to report a decrease limit before reporting payments and after the account is fully paid off. This has to be illegal. This has affected us closing on our house and has ruined my credit. Yet no one seems to do anything about it. XXXX emailed about report XXXX response from XXXX XXXX emailed about report XXXX emailed again XXXX chat with XXXX XXXX email asking for info XXXX emailed screenshots XXXX response from XXXX XXXX emailed about reporting again XXXX response from XXXX XXXX email closing account due to inactivity XXXX emailed XXXX called spoke with a guy at sezzle
08/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	GA 30314	Web
1. On XX/XX/2023 I took out a Buy Now Pay Later loan though Sezzle, for merchandise from a merchant, XXXX XXXX. The Order XXXX XXXXXXXX, with credit card ending in XXXX. 2. There were four payments scheduled - three for {$40.00} and one for {$40.00}. 3. Sezzle billed my account ending in XXXX for {$40.00}. 4. The merchandise was defective and not as described nor as advertised. ( Pls see Exhibits ) 5. On or around XX/XX/2023 I disputed the transaction with Sezzle. ( Pls see Exhibit ). 6. I attempted to remove authorization to continue to bill my card, but Sezzle 's website offered no option to do so while there were outstanding payments. Sezzle therefore refused to process my request to cancel the CC authorization. ( Pls see exhibit - Edit Payment Method page with no option to remove card ). 7. Sezzle requested extensive information, including on XX/XX/2023 ( request for photos of merchandise ; request for copies of advertisement to show how the merchandise was different than as advertised ), which I provided ; XX/XX/2023 ( copy of email correspondence with merchant ), which I provided ; and XX/XX/2023 ( photos of merchandise next to ruler, showing that the dimensions are not as described nor as advertised, which I provided. ( Pls see Exhibits for emails notifying me of Sezzle messages, but the messages were deleted by Sezzle, see below ). 8. In order to comply with the XX/XX/2023 request from Sezzle for pictures with a ruler, I had to purchase a ruler. Then because one of the items was longer than twelve inches, I had to purchase a second, longer ruler. I incurred expenses just to purchase these items for my dispute. ( Pls see exhibits- XXXX receipts ) 9. On XX/XX/2023, XXXX informed me my dispute was closed, but provided no rationale. I was not provided with any response by the merchant, nor given an opportunity to respond thereto. ( Pls see exhibit ). 10. Sezzle obviously never had any intention of processing my dispute and continued to waste my time and money by requesting photographs with rulers, causing me to have to purchase rulers, even though the photographs clearly showing the merchandise was smaller than described/ smaller than advertised. What was the point of putting their customers through all that if, in fact, it wouldn't matter no matter what the pictures showed? 11. Sezzle billed me a second time for {$40.00} to my card ending in XXXX, forcing me to close the credit card because they refused to process my request to cancel the authorization. ( Pls see Exhibit ) 12. Sezzle took away my access to all documentation regarding the dispute, which used to be available on the website, including our correspondence as well as the images and documents that I provided to Sezzle. ( Pls see Exhibit ). 13. On XX/XX/2023 I called Sezzle and spoke with XXXX. XXXX confirmed that the documentation was taken away from me as a matter of policy and practice. He attemped to reopen the case so I could again access the documentation, saying it was the only way. However, XXXX emailed me on XX/XX/2023to say the case could not be reopened. And so as a result I am still unable to access the information. ( Pls see Exh. ) 14. Sezzle sent me a threatening email stating that they may report my account to a credit bureau. However, Sezzle knowingly lied in the context of this threat. Sezzle is aware that, per their own Terms and Conditions, no credit bureau reporting can occur unless the customer opts in to " Sezzle Up ''. Sezzle is aware that I never opted in. ( Please see Exhibits attached ). 15. Upon information and belief, Sezzle is in the practice of making false threats upon their customers.
10/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	VA 20120	Web
On XX/XX/2023, I was in a XXXX store at a self-checkout, and I was attempting to purchase a {$200.00} XXXX XXXX Gift Card . This card also has an activation fee of {$5.00}. So, my total for this purchase was {$200.00}. I was going to utilize my XXXX ( Buy Now Pay Later ) company called Sezzle to make this purchase through their app which is installed on my phone. It allows me to make purchases in stores and pay in XXXX installments over XXXX weeks ( XXXX upon purchase, XXXX XXXX ( XXXX ) weeks later, XXXX XXXX ( XXXX ) weeks after that, and the final XXXX XXXX ( XXXX ) weeks later which would also be the last payment. When I went into the app, it asked me for the total of my order, which was {$200.00}. It then showed on my phone that the 1st installment was charged to my bank account card in the amount of {$51.00}. As I was going to bring my phone to the credit card reader to electronically scan, it said I have a XXXX gift card in the amount of {$200.00}. I was like what, this isn't right... so the manager saw me getting frazzled and she said to come to the regular register, and she would help me. So, we went to the register and when I tried to scan, it then said on the XXXX register that I can not pay for a gift card with a gift card .... I did not understand or know what was going on at the moment. The female manager said I could not get a refund either because they don't refund gift cards. I said I don't want t a XXXX gift card and I said I want to buy the XXXX XXXX Gift Card she was now holding in her hand and waiting for my transaction to be paid for. I told her to void the transaction in progress ( which was for the purchase of the XXXX XXXX Gift Card ) and I immediately called Sezzle to tell them there was a mistake with the processing of the order. After being disconnected 2 times I finally got someone on the phone and was told that they can not reverse it because they don't refund gift cards. I told the rep I was not trying to purchase a XXXX gift card, but I wanted a XXXX XXXX Gift Card. They said they couldn't help me but told me that gift cards never expire. Sezzle told me to take it up with XXXX because it was purchased in their store. I was not pleased with hearing that. I did not need a XXXX gift card let alone in such an odd amount. I never shop at XXXX, maybe 2 times a year ... and this was putting me into an awkward position at this point. No one noticed to say that stores such as XXXX, XXXX, XXXX, XXXX, and any other retail store NEVER CHARGES you for an activation fee on their own store gift cards, so this should have been a red flag that something in their system was not right. So, I then called XXXX customer service. I was basically told the same story about how the gift cards never expire ... I said to the rep, I DO NOT WANT A XXXX CARD AND I WAS TRYING TO PURCHASE A XXXX XXXX Gift Card. She told me that because it was paid through a 3rd party ( Sezzle ), Sezzle would have to process the refund. This is insanity because no one wants to take responsibility for this crazy error. I am also attaching ( if I can ) a picture of the voided transaction showing that I was indeed trying to purchase a XXXX XXXX Gift Card. This has been going on since XXXX. I have deleted Sezzle 's app from my phone and no longer want any part of this scam company. The XXXX gift card is also sitting unused on Sezzles app as well because I do not want it and I am NOT paying for something I DO NOT WANT FROM THE GET-GO! *PLEASE NOTE THEIR ARE 10 ATTACHMENTS OF PICTURES TO ASSIST YOU WITH EVERYTHING I HAVE DONE WITH TRYING TO CLEAR MY NAME*
06/24/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	TX 77379	Web
Account # : XXXX Ph # : XXXX Email : XXXX Subject : Spending Power Issues, Sezzle Anywhere Member Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Sezzle regarding ongoing spending power issues that I have encountered as a Sezzle Anywhere Member. Despite my repeated attempts to address these concerns directly with Sezzle, I have not received a satisfactory resolution, which has led me to escalate the matter to your esteemed organization. Since becoming a Sezzle Anywhere Member, I have been experiencing significant problems related to my spending power. On multiple occasions, I have contacted Sezzle 's support team seeking assistance, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my efforts, the issues remain unresolved, causing considerable frustration and inconvenience. One of the primary concerns is the consistent and unwarranted decrease in my spending limit without any valid explanation. On XX/XX/XXXX, my spending limit was reduced from {$400.00} to {$250.00}, and more recently, on XX/XX/XXXX, it was further reduced to {$200.00}. It is important to note that I have maintained a perfect payment history, hold a paid Sezzle Anywhere Membership, and have frequently made early payoffs. As a loyal customer and a subscriber to the Premium Membership, I firmly believe that I should be entitled to spending power increases rather than decreases. These unexplained and arbitrary reductions in my spending power have severely impacted my ability to make necessary purchases through the Sezzle platform, thereby undermining the value and convenience of the services provided. Despite my attempts to seek assistance from Sezzle 's customer support team, their responses have been inadequate, offering no reasonable explanation or resolution to rectify the situation. This lack of effective support has left me feeling helpless and dissatisfied with the level of service provided. As a resolution to this ongoing issue, I kindly request the following actions to be taken by Sezzle : 1 ) An immediate increase in my spending power to a minimum of {$1000.00}, allowing for the necessary purchases and compensating for the arbitrary reductions previously imposed. 2 ) Implementation of measures to safeguard my account from unwarranted decreases in spending power, ensuring a consistent and reliable user experience. 3 ) A complimentary 1-year Sezzle Anywhere Membership as a gesture of goodwill for the inconvenience, frustration, and lack of adequate support experienced throughout this process. These requested actions are fair and reasonable given my demonstrated responsibility as a customer, my commitment to utilizing Sezzle 's services responsibly, and my status as a Premium Membership subscriber. By addressing these concerns, Sezzle can uphold its commitment to providing a fair and transparent marketplace for its customers. Should Sezzle fail to address these concerns and provide a satisfactory resolution, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take appropriate action to protect consumers from unfair practices, ensure regulatory compliance, and maintain the integrity of the financial services industry. Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to consumer rights and their dedication to fostering a fair and transparent marketplace. I look forward to your investigation and resolution of this complaint.
11/10/2023	Yes	Credit card Store credit card	Other features, terms, or problems Problem with customer service	TX 77379	Web
Subject : Escalated/Unresolved Complaints with Sezzle Dear Sezzle Customer Support, I hope this message finds you well. I am writing to urgently address the escalated and unresolved issues with my Sezzle account ( XXXX ), originally opened in early XXXX and re-opened on XX/XX/XXXX. Despite filing numerous complaints ( CFPB XXXX, XXXX, XXXX, FTC XXXX ), my issues remain unresolved, with new concerns further impacting my customer experience. Failure to Address Previous Complaints : Despite my previous complaints and requests for assistance, there has been no response or resolution provided. The issues I reported remain unaddressed, leaving me feeling unsupported as a premium subscriber. Account Downgrades : I have noticed a significant downgrade in the level of service and benefits that I receive as a premium subscriber. This includes a decrease in the quality of customer support, unresponsiveness to inquiries, and a general decline in the overall experience. As a loyal customer, I expected to see an improvement in my service, but unfortunately, it has deteriorated over time. Inability to Use Paid For Upgrade Features ( XXXX XXXX, XXXX Anywhere ) : After making payments for upgraded services on XX/XX/XXXX, I was unable to utilize any of the features included with Sezzle Premium and Sezzle Anywhere. This situation, further exacerbated by misleading push notifications, could be considered as bait and switch or false advertising. XXXX XXXX Support Failure : My interactions with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were extremely unsatisfactory, best described as negligent and bordering on fraudulent. The lack of resolution, conflicting information about refunds, and overall poor service are alarming. I have recorded phone calls as evidence, reflecting the subpar service and unfulfilled promises. The severity of these issues, combined with the widespread dissatisfaction among other XXXX customers on social media and over XXXX complaints on the BBB website this year alone, suggests a systemic issue within XXXX 's customer service framework. This widespread dissatisfaction indicates a serious problem that requires immediate and thorough investigation. ACTIONABLE REQUESTS : Previously Made Requests ( Ignored/Unresolved by Sezzle ) : Immediate increase in my spending power by at least {$1000.00}. Implementation of measures to prevent unwarranted decreases in spending power. Complimentary XXXX Sezzle Anywhere Membership for the inconvenience caused. New Latest Requests : Detailed response and action plan for each of my previous complaints. XXXX reimbursement of Premium/Anywhere subscription charges. XXXX reimbursement of {$500.00} for Virtual Gift cards due to lost time and efforts. Increased XXXX Sezzle Anywhere Courtesy Membership due to previously ignored complaints. XXXX access to a {$3000.00} XXXX XXXX XXXX. All requests to be fulfilled by XX/XX/XXXX or subject to further escalation. Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter to the appropriate regulatory authorities. I look forward to a prompt and effective resolution to regain the high-quality service I initially expected from XXXX. Thank you for your attention to these serious matters.
07/28/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 456XX	Web
On XX/XX/XXXX, I ordered a couch from XXXXXXXX XXXX XXXXXXXX. I used the service Sezzle to pay for the couch in XXXX installments. On XX/XX/XXXX, I reached out to XXXXXXXX XXXX XXXXXXXX to inquire about their cancellation policy because it had been over 2 weeks and the couch had still not shipped. On XXXX de XXXX website, their cancellation policy stated that you had to wait 15 business days before the order could be cancelled or you would be charges a 50 % fee. That is why I had emailed them to get clarification on that policy. On XX/XX/XXXX, I received an email from XXXXXXXX XXXX XXXXXXXX telling me that THEY had cancelled my order and that they would issue a full refund to my bank and that I should check with my bank to see when the money would be returned. At this point, 2 of the 4 scheduled payments had already been taken out of my account. Since I was told that my order was cancelled by the merchant and that they would be issuing me a refund, I purchased a couch elsewhere. I waited a week and on XX/XX/XXXX, I emailed XXXXXXXX XXXX XXXXXXXX to see it the refund had been issues. They responded telling me that they decided to issue me store credits instead and that they had approved this with Sezzle and never notified me of this change. I tried to sort this out with XXXXXXXX XXXX XXXXXXXX myself, but after telling them that I was told I was receiving a refund and that I did not want the store credit multiple times, they then told me that they would no longer respond to my emails. The very next day on XX/XX/XXXX, I disputed this charges from Sezzle with XXXX XXXXXXXX XXXX A third and fourth charge from Sezzle then came out of my account. On XX/XX/XXXX, I received an email from Sezzle telling me that because I had disputed the charges with my bank, they were going to start charging me late fees. When I emailed them to explain the situation and why I had to dispute the charges, they said that they would turn me into collections and ruin my credit if I did not make all payments. Also, they sent me a link to XXXXXXXX XXXX XXXXXXXX cancellation policy that they had updated after refusing my refund. It had stated originally that it would be 50 % fee if the buyer cancelled before it had been 15 business days. Their policy now stated that they would issue store credit. But that was absolutely not the policy previously, and I didn't cancel the order, they did. Sezzle also expressed to me that there was no point disputing these charges with my bank because they will win and receive their money. After this horrific display from Sezzle, I decided to stop all communication with Sezzle. My bank won the dispute and the charges were deemed to be fraudulent on the part of Sezzle and XXXXXXXX XXXX XXXXXXXX. It is now XX/XX/XXXX and Sezzle is trying to send an account that was deemed fraudulent to collections and I am receiving emails to collect on this debt. The debt doesn't exist. Sezzle 's merchant was deemed to be fraudulent and I won the dispute. They are now trying to do what they threatened me with 4 years ago and ruin my credit by sending me to collections.
09/26/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : Sezzle Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is XXXX XXXX using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & XXXX XXXX has yet to provide such clarity. Making any loan null and void According to XXXX XXXX they received my private personal identifying information from Sezzle Inc. NEVER! Did I give Sezzle, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give XXXX XXXX my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to XXXX XXXX who I NEVER did business with nor whom was present for said alleged obligation. It is becoming abundantly clear of XXXX XXXX gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! XXXX XXXX has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be Zeroed Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. Attached is an invoice payable to my name. Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
05/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28226	Web
On XX/XX/XXXX I contacted sezzle to let them know that my bank account link for payment had experienced Fraud on it and that I would need to adjust payment made to sezzle until this fraud case was resolved. On XX/XX/XXXX XXXX let sezzle know again with screenshots of conversation with my bank of the error and issues. Sezzle did not respond and continued to draw payments up until one finally failed on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying that my concern was to complex and they would send me to a higher up. And push all due dates back by two weeks. This did not happen Sezzle continued to draw bi-weekly payments out till XX/XX/XXXX. On XX/XX/XXXX a month after being sent to a higher up, I finally received a response that was not to my question at all. It pretty much said I couldn't make a purchase because I hadn't paid the account in full. I responded back multiple times on the XXXX. On XX/XX/XXXX I was told all payments would be pushed back by 4 weeks. I was also told if I needed additional assistance to reach back out to sezzle. On XX/XX/XXXX I was sent a notice that sezzle would be reporting my late payments to the credit bureau although they had just agreed to push all payment dates back. On XX/XX/XXXX I reached back out to Sezzle because I had been told previous late fees would be reversed on the account due to their delay in response and the financial issue. No late fees were reversed on any of the accounts. I also asked Sezzle for a list of all balances due and when these would be processing so I could inform the bank and keep detailed track of what was processing when. Sezzle did not respond. I reached back out on XX/XX/XXXX. Sezzle did not respond. Sezzle has continue to take bi-weekly payments out on the account. Yet it seems none of the purchase which are broken into 4 bi-weekly payments have been paid in full yet. I have yet to recieve any clear detail of what has been paid to what accounts and how much left is due. The two week push back nor did the four week push back go into effect and none of the late fees were reversed by this company. Now on XX/XX/XXXX Sezzle has reported to the credit bureaus that I am 90 days delinquent on the account and 90 past due which is just not possible if all factors were applied. If they expended all pay dates by 6 weeks in accordance with our multiple conversations. Then I could not be more than 2 weeks behind on any one account. It also does not explain the multiple payments that have come out of my account since XXXX complaint. I have paid Sezzle {$970.00} since XXXX XXXX. According to their app I still owe them {$480.00}. Although I can not see payments full amounts that was paid to any one account. It seems things were taken at random and applied and in no order. some payments were skipped over and then applied the next one. In my attached documents folder you will see multiple emails between me and Sezzle and agreements that were made.
12/12/2022	No	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 95620	Web
On XXXX XXXX I received a text message from Sezzle indicating that an order was not approved because my account was maxed out. When I immediately logged into the Sezzle mobile app I looked in the orders section and discovered XXXX transactions from XXXX that I had not placed. I immediately locked my Sezzle virtual card and reported the XXXX transactions as fraud to Sezzle. On Monday XX/XX/2022 I received an email from Sezzle stating that I had a refund in the amount of {$200.00} coming to me. On XX/XX/XXXX I also received XXXX additional orders XXXX in the amount of {$100.00} and the other order was for {$100.00} dollars again from XXXX. I would like Sezzle to give me case number for my fraud claim as well as a contact phone number so that my financial institutions can conduct their chargeback investigations. I was forced to utilize chargebacks for these orders as Sezzle not only collected the first payments for these transactions but also continued to try and collect the other XXXX payments for each of these transactions prior to finalizing their fraud investigation in total Sezzle attempted to collect {$1300.00} for the XXXX fraudulent transactions from XX/XX/XXXX and XX/XX/XXXX. I have tried numerous times to get information from XXXX and they would only tell me that the transactions appear to be made in person. I was at my home on XX/XX/XXXX with my wife and child and at work on XX/XX/XXXX, neither XXXX nor Sezzle want to provide a city or XXXX where the transactions occurred. At the time of the orders being placed I had my Sezzle card attached to my XXXX account, when I checked my in person and online purchase history the XXXX orders do not appear. I have reached out to XXXX to get copies of the receipts for the XXXX transactions that Sezzle shows sent to me and they have not produced copies of the receipts for the transactions that Sezzle shows. I have XXXX orders that were placed prior to XX/XX/XXXX that my financial institution has been informed to cancel the chargeback that they inadvertently processed for those orders. Please note this company refuses to provide any information on my fraud case that I initiated on XX/XX/XXXX. There are XXXX transactions for {$100.00} total, XXXX transaction for {$100.00}, and XXXX transaction for {$200.00} dollars all of the orders were placed within a XXXX minute span of time as far as I can tell with the confirmation emails sent by Sezzle for each transaction. This company XXXX also use the term friendly fraud which is not the case here My phone is always in my possession and no one except me and Sezzle staff have my virtual card number. It should also be noted I have not left the state of California in the past 90 days. I suspect that my case is easy to solve once Sezzle or XXXX produce receipts or the location of where the orders were placed.
02/10/2023	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	CA 95242	Web	Servicemember
So as a XXXX I try supporting XXXX owned businesses such as XXXX I made a purchase at XXXX XXXXn XXXX and then started making payments on it and was finally able to make the last payment in XXXX of XXXX. I know this is not what XXXX is for. It making a purchasing and paying ir off in 4 payments every 2 weeks. I suffered a motor vehicle accident and also while I was being treated for a motor vehicle accident I suffered a XXXX XXXX making me forget the payments on the XXXX count and after tying up loose ends and getting back to work and getting back on my feet I was reviewing my credit report and XXXX is saying that Im having a charged off balance with {$270.00} and hes unable to allow me to make purchases even though I have a purchase limit of {$350.00}. I know that XXXX makes the decision to approve or decline a purchase at the time the purchase is made but because I have a incorrect charged off balance of {$270.00} I believe The computer system automatically declines any transaction regardless of the amount or the transaction total because all of the transactions I have tried Ive been under my limit of {$350.00} and also have a credit card on file that is valid and a checking account that is valid with a positive balance and a credit card that has a available balance of at least {$200.00} so I know that I can make the down payment and continue the payments every XXXXo weeks when it is due because I made the first three payments on time but now XXXX is reporting a incorrect balance to the three credit reporting agencies and late payments which is a violation of the fair credit reporting act and is subject to civil litigation. I try and support XXXX supported and owned businesses as being an XXXX service member but it seems that XXXX doesnt care or doesnt want the business from fellow service members or XXXX and I find that insulting. I have included proof that the total balance has been paid from the XXXX app on my phone and demanding that the XXXX account be removed completely from all credit reporting bureaus and that my XXXX privileges be reinstated and be able to use my limit of {$350.00} as I meet the minimum requirements. I have tried contacting customer service twice in the past month Im not good on exact days that Ive contacted them but customer service has no clue what I am talking about or there is a conflict of language being that they are in either another country the XXXX or XXXX I am not too sure I wanted to support XXXX over the other 4 make payment program such as XXXX or Zip. They are more then happy to take money and use their service but XXXX doesnt care and just declines purchases based upon inaccurate information that they are reporting to the credit bureaus and that is in their computer system.
05/05/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 10035	Web
I tried contacting XXXX XXXX after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named Sezzle not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted Sezzle, the third-party payment app to contact the merchant as well. Sezzle denied after several attempts to handle the situation or contact the merchant after getting no response from them either. Sezzle began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX and I was informing Sezzle of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, Sezzle wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to XXXX XXXX who are requesting for me to pay them the full amount before XX/XX/XXXX.
08/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC XXXXX	Web	Servicemember
To Whom this may concern, In XX/XX/2023 I made a purchase with a merchant using Sezzle. Once I received my order, I noticed that I was missing merchandise. I reached out to the merchant and did not get a response. After some time had passed I reached out to XXXX and let them know what was going on. The representative at the time was very rude and unhelpful and told me it was nothing they could do and that I needed to reach out to the merchant. After going back and forth with not getting responses and help from the merchant and Sezzel, I contacted my bank. It was only when my bank got involved and did a chargeback for the missing merchandise, a total of {$130.00}, that Sezzel decided to assist me with the dispute and contact the merchant on my behalf, to get an update on said purchase. The merchant finally got in touch with me and sent me my merchandise. Once I received my products, I contacted the bank to cancel the chargeback. They explained that canceling the dispute process could take several weeks. While I am waiting on the bank to reimburse Sezzel, I paid the balance that the bank charged back so that I can continue using services with Sezzel and that they can reimburse me later. I had been using my account and paying off on time with no problem since then. After logging in to my account to use Sezzel over the weekend, I found out that in retaliation for my filing a dispute with the bank, they closed and suspend my account. I can not get an agent on the phone or via email to provide a valid explanation, instead, I keep getting an email that states " Based on your previous performance with us we can not extend you service. '' What performance?! The last I checked, Sezzel has been paid on time! Had the representative assisted me in the beginning, instead of being dismissive, I would not have had to contact my financial institution for resolution! I can not get a manager or supervisor on the phone or to respond to my email.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76114	Web	Servicemember
I reached out to Sezzle in regards to making the account current or sending out a payment arrangement before any 30 day late issue. I explained my XXXX XXXX and what my objective was to keep the account in good standing. My email as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overall, I have worked significantly less. Financial setback has only allowed me to pay bills related to living expense & food. I am not sure what a reactivation fee amount is on top of a late fee. Could you please give detail what each one costs? Lastly, I will make my payment when financially feasible and within a timely manner. Their response : XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX XXXX XXXX, Thank you for reaching out to Sezzle shopper support! We know that life is unexpected, and sometimes difficult circumstances arise that make it straining for individuals or families to make payments. Here at Sezzle, we want to do what we can to empower all our shoppers to make sound financial decisions. So, to allow time for you to focus your energy on what is most important, I have rescheduled all your payments by 4 weeks from their previous due dates. Please be sure to review and confirm the new due dates on your account. Last day today I received a hit on my credit after this movement by the company for four weeks out. I received a 30 day late payment on XXXX XXXX, XXXX and XXXX. this was never discussed, the company made this moment on their own out of courtesy. However, this is change couldve been made for a sooner date than 30 days as I was not advised, this would still be reported. This moment with per the company. If they are considering helping customers, this invited them if they enter in agreement or they are courtesy, moved four weeks out that this could still affect their credit. In reality this moment nothing to benefit or help me during these trying times.
08/01/2022	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NC 27106	Web
Sezzle is a company that has an app that lets you make charges and pay them back in four payments. Each one is spread out by two weeks. You can post pone them as well for a few. Sezzle has been great for a year or so. Suddenly they show up on my credit report as if they gave me a one time loan of {$2000.00} and I have been making XXXX XXXX monthly payments to them for it. This is not accurate at all and is not how they operate. No other pay in four company ( XXXX, XXXX, XXXX, etc ) shows up like this either. There is not a set amount they gave me at once and no one time monthly payments I make back to them. For example if you buy something for {$20.00}, you pay {$5.00} up front and pay them back {$5.00} in three payments over six weeks, theres no set in stone lump sum as they have reported to the credit bureau. I had multiple payments set up but not for this amount. My issue is on top of this, out of nowhere they reported I missed one of these imaginary payments that dont exist and ruined my credit. I immediately repaid everything I owed them and closed my account. This was over two months ago now. I reached out to Sezzle and got an email apologizing and saying it can take three weeks to update on my credit report and it would be ok. Now like another slap to the face they have reported a second late repayment for these nonexistent amounts, after I paid them back, and cant sign in to prove it Im stuck now and really need help, since apparently they can continuously do this to me each month and I cant defend myself. I have attached some receipts to show examples of how they are paid back, as you can see there is no once a month {$200.00} payment I owe to them as reported on my report by them. Its cut into sections with no set in stone date. Thank you
12/28/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 242XX	Web	Older American
I made numerous purchases using SEZZLE.COM, a buy now pay in four company. I have used them for over 18 months. I purchase items through them and then they charge my credit/debit card or checking account every two weeks until the item is paid for. In XX/XX/XXXX I became unable to pay my credit cards and Sezzle due to unforeseen circumstances. I notified them to stop billing my credit/debit cards and my checking account. They were notified in writing on : VIA EMAIL : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VIA XXXX : XX/XX/XXXX I will be glad to forward you a copy of each of these contacts. I have received 3 actual responses with one relevant, the one that says I am out of luck. With each of these notifications I asked for a complete invoice for everything I owed to be mailed or emailed to me. I also said as soon as I was straightened out I would contact them. They have either refused to acknowledge my communications, answered them with non relevant information, or basically say sorry we will do what we want. Since asking them over 4-5 times to stop trying to charge my cards/checking info they have attempted to bill these methods from 10 - 45 times per day. Two cards were canceled due to excessive declines, one sends me an email with each decline, and the other just locked my card. I am attaching a couple of the emails and will gladly forward more if you wish. These decline emails indicate decline because card not activated because the company canceled my card and issued a new one because of Sezzles activity. The new card can not be activated until Sezzle stops their attempts. I have also attached a screenshot of my inbox so you can see how Sezzle is Robo-Billing the cards after being told not to.
09/18/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14220	Web
I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. They continue to report a balance of {$150.00} when this has been paid of. I have written to sezzle with no resolution. Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 185XX	Web
I had a pay as you go Sezzle account, its just like XXXX No different. They are now somehow reporting on my XXXX credit report. I did NOT agree to have a pay as you go company report to my credit. They do not check your credit upon sign up, XXXX doesnt. They do not charge you interest. Nothing about them is like having a credit card etc. I have never ever given them my banking info, they say if you sign up for Sezzle up it requires a bank account? I do not have any bank account within my Sezzle. I do not and will not have a pay as you go pay in 4 type of situation on my credit report or credit monitoring. This is UNFAIR. XXXX does not report to the credit bureaus, it would be ridiculous if they did. They arent giving me a line of credit Im buying this stuff with my OWN money. There is NO interest and a payment is made every 2 weeks. Regardless. I do NOT give them any permission to report to the credit bureaus on my behalf and I want it removed immediatelyXXXX XXXX doesnt even report to credit bureaus unless you use their financing options. Sezzle has financing options and I have NEVER used them. I use the pay in 4 every 2 weeks. I refuse to have this on my report.. they are ruining my credit using and reporting incorrectly since I DO NOT EVER AND WILL NOT EVER GIVE THEM PERMISSION TO. I will fight this til the end. I have many credit cards all paid on time every month usually always in full. I do not give Sezzle any permissions to report my usage with them.
04/11/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98034	Web	Servicemember
Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.
01/02/2024	Yes	Prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY XXXXX	Web
I purchased a XXXX costume from the merchant XXXX which totalled {$72.00} on XX/XX/23. To pay for the item, I used a third party Buy Now/Pay Later company called Sezzle. Sezzle issued me a XXXX card to pay for the item and I would pay Sezzle back in XXXX bi-weekly payments until the total is paid off. Unfortunately after receiving the item, I had to return it to the merchant. XXXX refunded me only {$53.00} because they charged me {$18.00} for a restocking fee which I don't have a problem with. The refund went back to Sezzle and they in turn would send me the refund. I made 3 payments to Sezzle totaling {$54.00} at the time the refund was issued to them. Sezzle refunded me {$35.00} and keeping {$18.00} which was the last and final payment I would have paid them had I not returned the item. I have been communicating with Sezzle by email requesting my full refund, but they refused to give me the remainder of my refund which is {$18.00}. Instead of them cancelling the last payment, they are charging me because they want to be compensated for the restocking that the merchant charged me. I feel I shouldn't pay for an item that has been returned and I would be paying the restocking fee twice. I've dealt with other 3rd party companies before in which I've returned items and gotten a full refund. Please help me get the rest of my money. Sezzle has probably done this kind of business to other customers and that's wrong.
12/26/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 088XX	Web
So I purchased items on walmart.com using a third-party credit card also known as a buy here pay later card with a company called Sezzle. ultimately I did not end up picking up these items from XXXX because there was an issue at the store where there were no employees available to provide me with my items so I contacted XXXX and they issued me a full refund. When they issued the refund it went back to the Sezzle card that was originally used and Sezzle has been now contacted multiple times by me and XXXX also stated that they will email Sezzle as well confirming the refund was completed back in XXXX. Sezzle not only does not pick up their phone during normal business hours but after I have actually spoken to them via phone and through email, they still continue to not remove the transaction from the account and they also are attending to charge numerous accounts of mine such as credit cards, debit cards, @ bank accounts for a transaction where I never received items and they were already refunded. I contacted Sezzle numerous times via phone and email but there is absolutely no resolution and this company still continues to charge my account when I never purchased anything in the end. They are now knowingly being deceptive and fraudulent in my opinion. I ask them to not charge any of my credit cards, debit cards, or bank accounts again. There is no option on their app to remove my previous used payment methods.
05/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 891XX	Web
I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!
03/30/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45230	Web
On XX/XX/XXXX. XXXX, I contacted Sezzle to open a dispute about items I never received from from a Company called XXXX XXXX XXXX XXXX XXXX The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. On XX/XX/XXXX, the company sent the items I asked them to cancel and Sezzle responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided Sezzle this screenshot at the time showing item was in transit back to the business via their portal. I also provided them email communications that I had at the time showing I had reached out. Sezzle never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
07/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 14215	Web
I contacted sezzle via email in XX/XX/2023, advising them that my charges off account was paid and that the credit bureaus would need to be updated. I received a response back from XXXX, XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX CST Advising me : Thanks for contacting Sezzle Shopper Support. We understand you are reaching out due to a recent inconsistency with your credit report. We identified an issue with a recent report that required a correction. This correction first removed Sezzle from your report, which you likely recently noticed, and then a new report was quickly submitted to XXXX. This correction should reflect on your credit soon if not already, depending on how frequently any credit reporting services you use. Don't worry, once applied, your credit report would reflect as if the inconsistency never occurred. If after a few days you are still seeing an issue with your refreshed credit report, please reach out and let us know! Best, XXXX Sezzle Shopper Support I disputed the balance with XXXX in XX/XX/2023 and lost the dispute despite providing evidence that my debt is paid in full. Sezzle needs to update XXXX, XXXX and XXXX that my debt is paid in full, I dont owe a balance, and havent in more than 6 months.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48506	Web
I had used a company named Sezzle for purchases and made payments back to this company then I get notification from XXXX XXXX I had a late payment to sezzle I filed a dispute with XXXX. I also emailed Sezzle and provided XXXX my payment history. They took it off my credit report next its reported again so I filed another dispute for XXXX and XXXX they found it was misreported and took it off. I paid off the remainder of the loan. I emailed with Sezzle customer care and they stated someone else used my email and the account belonged to someone else and I asked it be closed> So on XXXX I get a letter from XXXX stating i am 120 days past due and then it shows paid in full. I have never been deliquent on this loan and I also filed a police report I have been an identity theft victim in the past so I think the other persons account may have been reported on my old sezzle account this account is paid in full. I called XXXX on XXXX at XXXX est and filed another dispute on this matter. I am filing a complaint to get this off my credit I always paid this company and then paid it off in full. I try to call Sezzle with no luck and yet again sent another email to them regarding them misreporting on my credit report. I also made another police report.
08/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77049	Web
Incorrect information is reflecting on my credit report that my account was paid late and it was not they just said I had a late payment on XXXX was reported on my credit report saying I was late in XXXX. Its currently showing Im late and this account has been paid in full with a XXXX balance since XXXX. There not reporting anything accurate on my credit report not XXXX balance not current limit and also reported a late payment which I was never late. On my credit report stating Im late and Im not late. I need a letter stating that Im not late and showing my current balance which is XXXX. The attachment shows it wasnt updated since XXXX but I got alert on XX/XX/XXXX and my points drop XXXX points because was showing currently late I also attached my credit limit with them showing also I dont owe anything also what is reporting incorrectly on my credit report I was never late and why was this just got reported XXXX if I was late way in XXXX. I was never late I want this corrected and Im currently not late as well. Thank you
09/20/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	GA 30253	Web	Servicemember
I purchased a non-expiring electronic gift card foe XXXXXXXX XXXX XXXX store ftom the Sezzle marketplace in XX/XX/XXXX. I have not been able to use it and could not remember using it at all. I was told by Sezzle reps, including a supervisor that the final balance of {$85.00} was used at XXXX in XX/XX/XXXX. This is not possible as when I contacted XXXX in store they could not find the gift card active in their system. The link Sezzle provided me could not locate the card either. The card is not, and never has been active in their system. No one will provide the evidence that all {$290.00} was used on the card or provide me with contact information to file a fraud claim. I have the card information, a screenshot of the tracker saying the card is not found, and a photo of the customer service screen in the XXXX that says the card is not active in their system. I submitted this to Sezzle and they refuse to issue me a refund or a card that works. I am just expected to give them {$290.00} for no gift card or service.
07/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 900XX	Web
I paid my balance with XXXX on XX/XX/2022. I was told it would take 30-45 days for it to be removed from my credit report but it has now been 3 months. My credit has been affected. My account still says I owe them and havent been paying them for the last 3 months when in actuality its already been settled. Sezzle support has done nothing but repeat 30-45 days even after its been much longer than that. They refuse to help in any way and this isnt an isolated incident. XXXX works well until you have a problem and then they become a company from XXXX. I have the receipt of my payment to XXXX. I have transcripts of XXXX employees being completely negligent, some not even reading what I actually said before responding. I have been disputing this with the credit bureas and XXXX and XXXX say that the information is accurate according to XXXX which is False! I have submitted the receipts, got verification from both XXXX and XXXX themselves that I paid! Yet they refuse to correct my credit report.
07/24/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 382XX	Web
Several months ago, I made multiple attempts to work out an arrangement so that I could keep my account in good standing. I either did not receive responses, or the email responses had XXXX to do with my request. I then began receiving emails stating to catch up on my payments in order to keep my account in good standing, AFTER I noticed that my account was showing as CHARGED OFF with the credit bureaus! I then sent numerous emails asking if my account had been charged off because I received no notification since it is not with a debt collection! They closed the account last XXXX with XXXX notification even while I continued to contact in the attempt to set up an arrangement! Sezzle continues to pretend and send me false documentation stating my account is open and if I catch up on payments then I can use my account, which is false! I sent numerous emails trying to clarify the status and not only does it take days to get a response, I can not get questions answered truthfully!
01/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 20602	Web
Sezzle offers a Mastercard virtual credit card service issued by XXXX XXXX for purchase on various merchant websites. On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX from XXXX in the amount of {$310.00}. This merchandise was shipped by the merchant on XX/XX/XXXX via XXXX tracking # XXXX. The last activity for this package was on XX/XX/XXXX and has no activity since that date. A lost package case was opened with XXXX and multiple attempts to contact XXXX remain unanswered. Sezzle offers a dispute resolution service that I have attempted to utilize through their dashboard. I submitted an initial request on XX/XX/XXXX that remained unanswered and a subsequent request on XX/XX/XXXX which was answered on XX/XX/XXXX. Despite requesting that the transaction be disputed due to non-receipt, Sezzle informed me the issue was between the merchant and/or shipping service. This is contrary to the " dispute resolution '' processes stated on their site and they refuse to take action with.
04/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55379	Web
I have spoken to this company several times since XX/XX/2021, Sezzle. They have been reporting the same information to my credit report for the last 3 months stating I owe {$430.00}. When I dispute this information through the 3 credit bureaus they report back stating my information as accurate when I show proof that I owe no such thing. When I reached out the Sezzle they have gave me the run around stating they have escalated this problem to the credit bureau team and it will get fixed that has not happened since XX/XX/2021. Then they said I will have to close out my whole account and reopen it and maybe that will help. This company also is not reporting that I am paying them as far as payment history. It is now XXXX and the same information is there and I actually owe {$53.00}. I have told Sezzle support in email I am no longer addressing this problem with them this has gone too far.
12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NC 27713	Web
I have an issue with Sezzle Inc . They have fraudulently reported that my account with them was delinquent twice! On XX/XX/XXXX, I checked my account to see that the system noted the payment still registered as being owed, even though it clearly states a payment had been processed. I attempted to contact Sezzle by phone and through their help tab within the app to no avail. I never received a call back, nor a reply to my help ticket on their app. They reported falsely that my account was delinquent on XX/XX/XXXX. This caused my credit score to decrease by over XXXX points. I was and am still upset about this. On XX/XX/XXXX, I received notification from my credit bureau tracking app that Sezzle had yet again reported to the credit bureaus that my account was delinquent. A statement that is totally not true. Attempts to get in contact with reps from the company has still gone unanswered.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48506	Web
Sezzle reported 30days late on my XXXX credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.
05/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 33401	Web
Hello. I have an account with the buy now pay later service Sezzle.com. I have used it several times with shopping at the store XXXX, and had no problems. One day I decided to try it out with XXXX, and was informed that I needed to subscribe to Sezzle Premium in order to shop at XXXX. Sezzle Premium is an optional add on that costs {$10.00} per month. After signing up to Sezzle Premium ( and paying {$10.00} ), I tried to purchase something on XXXX and the transaction was rejected by Sezzle. I then found out that my spending power at XXXX is {$0.00}. For frame of reference, my spending power at XXXX is {$250.00}. I feel this is some kind of bait and switch and feel deceived. I would like a refund of my {$10.00}, based on the principle of the thing. I have already requested a refund from Sezzle, and they didn't even directly reply to the request. Thank you.
03/09/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MO 640XX	Web
A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give. According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. This alleged debt was also in litigation and was released. I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.
11/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 483XX	Web
I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account nor is this an account or mine. If you can not supply this, please delete these alleged late payments and the account in its entirety from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/07/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37174	Web	Older American
Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. They do not answer the phone or respond to email. The phone number on the website is XXXX.
09/27/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75024	Web
I had a chat with a Sezzle representative on XX/XX/22. In the chat the representative reported that I paid my final amount owed on XX/XX/22 in the amount of {$100.00}. However, when I filed a dispute with the XXXX XXXX XXXX XXXX, they did not update the balance. It is still reflecting on my credit that I owe {$820.00} and my credit usage is 127 % which is negatively reflecting on my credit driving my score down. I have filed two disputes. For the first dispute my credit score was XXXX. Sezzle went back and updated that I was 30 days late and it drove my score down to XXXX. Then for the second dispute they took the 30 day late notice off and it only drove my score back up to XXXX. I would like to have this matter updated.
04/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35806	Web
I have reached out to Sezzle twice about the wrong balance reported on my account. The first time I called about the issue I was told my issue was escalated to a supervisor & would be called back. That never happened. I ended up calling again and was told they were late updating everyones credit report for the month of XXXX. I took a look into my XXXX report today & today is XX/XX/XXXX not update of my current limit, wrong limit shown and balance. Sezzle has continually hurt my credit score since Ive been using them my credit has continuously dropped due to credit utilization being too high when I have paid this account off and have a higher credit limit. It shouldnt take 2/3 months to update a credit report.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 654XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act SEZZLE INC XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX # XXXX
09/12/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30331	Web
As a federally protected consumer, I demand that my credit reports reflect accurately. And it has not with, with Sezzle. I opened the account in XXXX, my payments on time with any issues until I disputed a charge earlier this year. My credit limit at the time was XXXX. Sezzle no longer allowed me to make any purchases with my limits despite having a perfect payment history which in turns violates my rights as a federally protected consumer according to section 623 ( 15 U.S. Code 1681s-2 ( a ) ( 8 ) ) of the Fair Credit Reporting Act. I paid off and close the account which still has not not been accurately reported since XX/XX/XXXX. I demand that my reports with all three bureaus be updated immediately.
04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 394XX	Web
A chargeback with my credit card was resolved in my favor for merchandise not received. The payments were made through sezzle who is trying to show the payments as overdue ( late ) payments rather than disputed and refunded. They are trying to say I owe this amount back when I was successfully credited back through my credit card for merchandise not received. The order took place in XX/XX/XXXX with merchandise that was supposed to be received in XXXX of XXXX chargebacks were filed in XXXX of XXXX. They said they didn't have information from my bank showing it was closed in my favor and asked to provide that. I did so and are still say it could take months to remove the owed late payment notification.
08/07/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	CT 067XX	Web
Revoked Sezzle my permission to debit my accounts I effective immediately with a proper email and one of their forms I was told by Sezzle I need to fill out They have regular gone into my accounts trying to take money Also I asked to remove my debit cards information from the site but Sezzle doesn't allow let me. Notified I am going through a financial hardship and I will be returning to my job in a few weeks and can't pay weekly payments. But can when I return. They said they couldn't help me. So in writing I revoked my permission for Sezzle to debit my 2 debit cards. because the unwillingness to stop the debits have been mentally exhausting. They keep going into my bank account every day
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92240	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
01/09/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	GA 30033	Web
I reached out to the company several times via chat and email to move my last XXXX payments to another date due to a financial crisis, emergency. I was able to move the XXXX payment initially but it was moved to the same exact date XX/XX/2023 so I would be billed twice on the same date defeating the purpose of me moving the payment. The company told me over and over that there was basically nothing they could do, which to me is a denial of my own extension of credit to them. The original merchant already got paid in full up front, so there's no reason why the requests for me to move payments is a problem. The company XXXX is so unhelpful and cares nothing about it's consumers.
03/08/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	FL 32750	Web
Sezzle has caused my credit score to drop due to incorrectly reporting that I still have a balance of {$150.00} to pay off with them, when in fact it was paid in full. They also incorrectly reported that I originally had an available credit limit with them of {$970.00}, which I never did. My account is paid in full and I only have an available credit limit of {$600.00}. Once they correct this information, my credit score will still drop due to the {$370.00} difference of the actual available credit. They are supposed to be updating this information on a monthly basis but obviously aren't. This report on my credit shows the status updated as XX/XX/XXXX and it's now XX/XX/XXXX.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23666	Web
I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75010	Web
I have an account with Sezzle that is reporting as delinquent and over the limit on the balance however that is incorrect. I paid this account in full on XX/XX/2022. I made a new purchase on XX/XX/2022 for {$170.00}. My limit is {$400.00}. I currently have XXXX payment left of {$40.00}. None of the payments for this purchase have been late however my XXXX credit report is showing delinquent and that I owe {$420.00}. It also shows that Ive made no payments which is incorrect. I have disputed this with the company through the credit agency however it was updated with the same incorrect information. Ive attempted to talk to a representative as well with no luck.
09/09/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 92557	Web
I've been in an ongoing argument with SEZZLE and XXXX XXXX to attempt at getting my refund totaling in XXXX dollars that I had made and already paid for that XXXX XXXX claims to have already refunded me but sezzle and XXXX XXXX are doing some kind of scam because I've received not money from either company for an order I made XX/XX/XXXX I'm the customer why the XXXX am I left with no hair and no money?!?!?! They also don't comply with there own contract where they say I'm not responsible for any future payments involving that order XXXX I'm so upset I don't go around giving out free money for no XXXX reason that sounds stupid to me XXXX
07/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	AZ 85286	Web
The credit bureaus reported on XX/XX/XXXX, via phone, they last received an update from Sezzle on or around XXXX and no updates since. On XX/XX/XXXX, I reached out to Sezzle to inquire about my credit reporting and the last date the reporting was sent. They initially provided a canned response telling me they report monthly and directed me to their website to review the same information. I reiterated that I was seeking a specific date on when the reporting was last sent but the chat agent was unable to provide one and stated they had to escalate to someone who would send me an email. I have yet to receive that email.
10/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 88012	Web
My account has started reporting to all three credit bureaus as of XX/XX/2022 with an open date of XX/XX/2022 ( incorrect open date ) and shows a credit limit of {$1100.00} ( incorrect ) with a balance of {$580.00} ( incorrect ), which now has my credit usage at 53 % ( incorrect ). ALL of this information is INCORRECT! I have had this account open for at least a year now, ONLY have a spending limit of {$450.00} ( doesn't say anywhere that it is a line of credit or credit card ), and ONLY have a balance of {$12.00}, which I planned to pay off this Friday XX/XX/2022, so my limit should only be XXXX %. This is FRAUD!
02/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91406	Web
The company sezzle reported me to the credit bureau for late payments for a product that I ordered which affected my credit. They have canceled my order because I have not gotten the product that I ordered since XX/XX/2022. I have talked with them through live chat in their website sezzle.com and they kept telling me that they will give me a call which never happened. this is the order number from the company. This is the order that they reported me of having ( 1 ) late payment which again the ORDER got canceled because I have not received the products that I paid for. Order ID : XXXX
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 956XX	Web
This account has been paid in full and closed since XXXX of XXXX. I have try multiple times to do a dispute with credit bureaus and I comes back as I still have a balance with the company. But when I talk with sezzle on the phone they tell me I dont have a balance and they send me a email showing that there is no balance. And they told me it would take 2 months to update on credit report, but I been waiting since XXXX. There hasnt been an update on account since XX/XX/2022 on my credit report.I have attached and email send by sezzle stating that there is no balance.
09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	VA 22191	Web
Was advertised that it would be {$7.00} to open a Sezzle Spend Anywhere account. Meaning for {$7.00} a month, I could use Sezzle anywhere XXXX XXXX is accepted. I tried using it for an online merchant that accepts XXXX XXXX, and Sezzle declined it 2X. I asked customer support why this happened, and they did not give me an answer at all. It turns out, I was actually charged {$7.00} for the service, so an extra XXXX cents that was not advertised. Not only can you not Spend Anywhere, but they also falsely advertise that is was a {$7.00} subscription.
07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30349	Web
This company Sezzle is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 49525	Web
Sezzle has reported false information over and over. I have tried to show this with documentation to both XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I will be including the email conversation from the XXXX with XXXX XXXX their CEO of Finance. Literally says the account is closed. Yet! XXXX and XXXX keep agreeing the account is open because sezzle. Hasn't reported anything sense XXXX. The account has never has a amount owed at the end of any month either.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web
The sezzle XXXX Account payments were rescheduled due to covid. Agent said payments were pushback 6 weeks and no penaltys will be held. This company started credit reporting negative incorrectly. Has made account late. Has inadequately reported incorrect balances. Has has reported incorrect balances different months or available credit.. First reported as loan then later changed to credit card. When trying to communicate agents are not helpful and rude. This company should be ashamed
07/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 705XX	Web
SEZZLE INC is showing open on my credit report when it was paid and closed back in XXXX. Ive contacted them. Ive done disputes through XXXX, XXXX XXXX XXXX with no changes to this account. It comes back as verified. Also, the late payment was not supposed to be on my credit report. I was never late. XXXXXXXX XXXX- shows a late payment for XX/XX/2022, I was never late. Ive tried to dispute with 3 bureaus but it comes back verified. Please delete both discrepancies
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60115	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.
04/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 24073	Web
They are reporting I am 30-90 days late which I have never been. I can not view my account transactions and they have failed to provide account transactions and history after multiple attempts via phone and email to request the account history. The representative I spoke with today stated I have never been 30/90 days late and that information should not be reflecting on my report.
12/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11787	Web
My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.
12/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48506	Web
I have been in contact with Sezzle since XXXX regarding an account being past due on my XXXX credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then sezzle states they cant talk to me this acoount dont belong to me but yet wont correct my credit report
05/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78634	Web
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40258	Web
I paid my account in full with Sezzle, INC. on XX/XX/XXXX and closed it. Since then, this company is continuing to report a balance owed. I have called them numerous times and sent XXXX certified letters asking them to correct this issue. They sent me an email on XX/XX/10, stating the issue has been resolved, yet theyre still reporting on my credit.
11/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 841XX	Web
On XX/XX/XXXX I used Sezzle to purchase merchandise through a retailer. Sezzle reported this account to my credit and continues to report a balance of {$50.00}. This loan was paid in full in XXXX. I have submitted disputes to the credit bureaus and after a dispute it still shows a {$50.00} balance. The account was paid in full in XXXX!!
07/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV XXXXX	Web
Numerous emails from XXXX XXXX a collection agency with credit merchant SEZZLE. I receive emails every two days with different amount ( s ) in the email. The Sezzle account is closed. XXXX XXXX will not let me correspondence with SEZZLE nor let me see an accurate balance owed to the merchant. The harassment of emails need to stop.
04/20/2022	No	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	LA 70506	Web
Sezzle Virtual Card has not reported my account as paid in full since XX/XX/2022. I deigned up for their service because they report to the XXXX bureaus. They have not reported and this is affecting my credit utilization they are in violation of their terms and conditions and I would like to file a complaint against Sezzle.
04/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60634	Web
I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.
08/09/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 306XX	Web
Sezzle account tried to make payments arrangements with the amount of {$660.00} and not its showing a different amount .I was affected with XXXX was sick in the hospital and had an emergency XXXX and lost wages and became XXXX and didnt try to work with me concerning the debt. And it reported to credit reports.
01/09/2024	Yes	Prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	ID 83607	Web
The Sezzle account on my XXXX shows that I still owe {$190.00}. That is not accurate. I have paid that account off in full and closed. It is updated on XXXX and XXXX but Sezzle refuses to update the account on XXXX. I want that removed from my XXXX credit report or updated to {$0.00} as the balance and closed
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48506	Web
I used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.
04/04/2022	No	Credit card or prepaid card Store credit card	Getting a credit card Application denied	PA 17011	Web
I was looking for a buy now pay later sort of thing and I found a company called Sezzle and they gave me a {$750.00} credit on their virtual card and when I went to target 's website to buy gift cards for {$750.00} they cancelled my order, took my money and revoked my virtual card.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70706	Web	Servicemember
XX/XX/2023, reacged over to customer service by email, phone, and letter, account reported late payments, payments were made on time for month of XXXX, account still showing balance of {$300.00}, account paid in full. Nothing has not been resolved. Unable to get to a live person.
07/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 950XX	Web
XXXX is not properly investigating my disputes. These companies Sezzle and XXXX credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
11/24/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR 725XX	Web	Older American
Sezzle charge payment to Preply in 4 for {$120.00} starting XX/XX/2023. Next payment to Preply on XXXX XXXX for {$120.00} Third payment to Preply on XXXX XXXX of XXXX Fourth payment is scheduled on XX/XX/2023. Charges I did not make!
09/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62864	Web
Company is reporting a charged off account with a balance. The account is active with no balance. They admitted they were having problems with their credit reporting and now are refusing to fix it and taking 0 responsibility.
07/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 77021	Web
Date : XX/XX/2021 Amount : {$78.00} Order # XXXX Sezzle refused to resolve a damaged product/service I received and refund me. The company is refusing to honor the Consumer Protection Laws established in the state of Texas
02/19/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30223	Web
Reached out to the company Sezzle, about an account that I never had. They never responded and it is lingering in my credit report. They are reporting inaccurate information and I need it removed effectively ASAP.
03/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77073	Web	Servicemember
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95307	Web
Ive contacted Sezzle company to let them know this is a identity theft account I have no knowledge of this account and they are disputing removing from my credit report
07/03/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 389XX	Web
I do not own this this to Sezzle I have already paid in full they told me they would take it off and have not yet after six months please help
01/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14304	Web
Sezzle is reporting to the credit bureau that I owe them a monthly payment of 1500 dollars absolutely destroying my debit to income ratio
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74012	Web
This account has been charged off for tax purposes. It is showing closed but still reporting a past due balance and reporting as such.
12/16/2023	No	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 756XX	Web
Sezzle. I am needing to update my email address & change my PIN. Its not allowing me to do this & denying my transactions
04/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75035	Web
I have tried to contact them on several occasions to get this deleted from my credit report.
09/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48312	Web
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full
12/30/2022	No	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	TX 78130	Web
I keep getting charged for something I did not authorize.
12/19/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 31907	Web
I have no knowledge of this accounts on my credit report
10/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web
ACCOUNT BALANCE IS NOT ACCURATE-
01/29/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 08081	Web

01/28/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	NC 28314	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33896	Web

01/21/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	OH 43220	Web

01/20/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	WA 98607	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 34609	Postal mail

01/11/2024	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	CA 91107	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77040	Web

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 77007	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27405	Web

12/05/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	GA 30677	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60098	Web

11/30/2023	Yes	Prepaid card Gift card	Trouble using the card Trouble using the card to spend money in a store or online	FL 33009	Web

09/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85202	Web

07/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85202	Web

07/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	TX 77070	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

07/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	IN 46236	Web

06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

06/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	IN 47713	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27524	Web	Servicemember

06/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 35211	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33896	Web

06/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 56401	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27262	Web

05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90007	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web

03/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85295	Web

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21014	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19934	Web

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14611	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29617	Web	Servicemember

03/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60620	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92404	Web

02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19036	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77379	Web

01/19/2023	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94621	Phone

12/20/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30088	Web

12/17/2022	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	NY 10463	Web

12/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92345	Web

12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43230	Web

12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77069	Web

11/15/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39204	Web

11/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31405	Web

10/30/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95824	Web

10/29/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21401	Web

09/30/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75244	Phone	Servicemember

08/15/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 15317	Web

08/12/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 32217	Web

08/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89147	Web

07/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11203	Web

07/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19977	Web

07/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33993	Web	Servicemember

07/23/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NJ 08028	Web

07/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30253	Web

06/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32303	Web

06/06/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WI 53081	Web

05/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21060	Web

05/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 99301	Web

05/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53209	Web

05/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 52802	Web

05/06/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 78665	Web

05/06/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78665	Web

05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23320	Web	Servicemember

04/13/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36109	Web

04/06/2022	No	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	FL 33147	Web

03/23/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	NY 14580	Web

03/22/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92262	Phone	Older American

03/10/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 91311	Phone

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89081	Referral

02/02/2022	No	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	TN 38553	Web Referral

01/25/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 55441	Web

12/16/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19063	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64063	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19806	Web