Complaints

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

• Initial Complaint

  Date:04/23/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  April 17, 2025 I ordered a mug from MyIslamicDecor. 6 days later it still hadn't shipped, so I reached out many times to merchant by text, phone, social media, and email.0 response. Found out the phones are nonworking numbers.Also if you click on their address...it pulls up a completely different business!!Despite the fact that this appears to be a fully functioning online store with social media pages.They clearly are a scam However despite several attempts to reach out to this merchant.and despite my evidence that they aren't who they say they are, Sezzle was quick to close my dispute and tell me to contact merchant (as stated, already did) and they would not respond to any of my.messages. They also made it so I could not open another dispute. Or even give me a chance to ********** such this will likely be the last time I ever use sezzle again since they deem it okay to treat their customers in this way That sad I am requesting sezzle to help me in my dispute with MyIslamicDecor/MyIslamicGifts/MimisBakery (apparently they ha e many names too) I would like a cancelation if this order and a refund

  Business Response

  Date: 04/29/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your request expresses concern regarding not receiving your order and the merchant not responding when contacting them. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs. 
  
  We understand how concerning it can be to place an order and receive no communication or shipment updates, especially when multiple contact attempts have gone unanswered. Please know that your concerns are being taken seriously. 
  
  Your dispute was automatically closed because it was submitted fewer than five business days after your order was placed. This timeframe is part of our standard dispute policy, which is designed to provide merchants with a reasonable opportunity to process and ship orders. While we understand that your specific situation involved a lack of communication from the merchant, the policy is applied uniformly across all orders to maintain consistency and fairness in the dispute process. 
  
  Were pleased to inform you that your dispute has since been reopened following your recent conversation with our Customer Support team and is now actively being reviewed by our Disputes Department. 
  Once a dispute is approved, the resolution process can take up to 45 days, depending on the complexity of the case and the merchants response time. Throughout this period, well keep you informed of any updates through the dispute portal. For more information on how our dispute process works, please refer to our *********** article: How do disputes work? 
  We appreciate your patience and understanding as we work to resolve this matter, and we are here to support you throughout the process. We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team. 

  Customer Answer

  Date: 04/30/2025

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  Date:04/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I use Sezzle for a buy not pay later option. Recently they have made payments options only via ***. Before I could pay with my debit card. Four or five payments went through and overdrafted my account. Prev customers were able to reschedule payment dates and **** options are no longer available. I now have late payments showing on my sezzle acct bc ACH takes up to 4 business days to process and I have over draft fees in my bank account bc they just go grab money when they want.

  Business Response

  Date: 04/24/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns.Your complaint highlights issues regarding changes to our accepted payment methods for payments and an inability to reschedule payments while bank account payments are still processing. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs related to fees and rescheduling payments. 
  
  To pay off an installment payment early, you can use a bank account or the ********************** Balance feature. However, debit and credit card payments are no longer supported for early payment. If the default payment method for scheduled payments is left empty, Sezzle will use the payment method set as the default for down payments to process the scheduled payment on its due date. Please note that applicable fees may apply if no default payment method is selected. For further information about our fees, we encourage you to visit this link: *******************************************************;
  
  While a bank account payment is processing, you will be unable to reschedule other payments until the bank account transaction has fully cleared. To avoid any issues, we recommend rescheduling any necessary installment payments before initiating a bank account payment. Bank account transactions may take 14 business days to process, and unfortunately, we have no way to expedite this process. Overdraft fees incurred as a result of these transactions are charged by your bank, and Sezzle cannot reimburse or assist with such fees. 
   
  We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team. 

• Initial Complaint

  Date:04/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 6th I made a transaction for $150.68 using Sezzle, unfortunately you cannot screenshot anything from your bank app so when I'm down at the bank bright and early this morning I'll make sure I get a printout since then I have been charged eight times this amount of money for the same transaction five of the eight occurred on April 16th and 17th of 2025 ***** has no motivation to remedy this issue as I have been fighting for 2 weeks for my money back on the initial April 6th charge because it was declined by the merchant no purchase was even made and I have been charged this many times by these people who are very clearly a rip-off and need to be shut down I'm going to need someone to reach out to me because this is ridiculous that the better Business bureau would allow such a reckless and blatantly thieving corporation to pillage the American people like this my livelihood has taking a substantial fiduciary hit because of these actions they have overdrafted my account I have had to pay exorbitant fees because of overdraft so really the amount I listed does not even include the financial damage they have caused me just from overcharging me over $1,200

  Business Response

  Date: 04/24/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your request expresses concern regarding multiple charges to your payment method for declined orders. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs.
  After a thorough review of your account activity, we can confirm that the transaction for the Amazon order (UPHMG) successfully completed, but unfortunately, there weremultiple attempts to place this order before it was successful. As part of our standard order handling process, a temporary authorization hold was placed on your payment method at the time of each purchase attempt. This process helps us ensure a smoother and more efficient checkout process by confirming that funds are available to complete the order.
  These temporary holds are not actual charges and typically drop off automatically from your bank or card statement within 7 business days. Once released, the held funds should become fully available again in your account. Please note that while we initiate the release on our end when the order is not completed, the exact timing of the funds returning to your account is determined by your bank or card issuer.
  At this point, the pending authorizations on your account should have already been lifted. However, wed be happy to conduct further research into these authorizations for you. Our customer service team has reached out to you via email requesting additional information and some screenshots. We encourage you to respond to that email with the requested details so we can assist you more effectively. If you're unable to provide a screenshot of your bank account, you're welcome to print out your statement and send us a clear photo of it instead.
  We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team.

• Initial Complaint

  Date:04/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Contacted customer service many times asking to speak to a supervisor, never got a call back. Issues on account need resolved and have yet to come to a resolution. Was told fees would be looked into but no one ever contacted me to resolve.

  Business Response

  Date: 04/23/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint highlights concerns with not receiving contact by a Supervisor to discuss fees that were incurred. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies and procedures related to fees.
  We see that a Supervisor emailed you on 04/02/25, explaining that we would not be able to refund the Late Payment Fees charged to your account. On 04/15/25, a Supervisor attempted to reach you by phone, left a voicemail, and followed up with an email explaining the situation.
  Specifically, the Supervisor communicated that the documentation you provided doesnt confirm that your account was frozen or that a new account was issued. The letter dated 03/11/25, only mentions that you were given a temporary credit from your bank and does not provide evidence of account compromise. Another Supervisors email, sent on 04/02/25, also explained that the letter you provided didnt indicate a compromised account. It was noted that the failed payment on your account occurred on 03/20/25, nearly 3 weeks after the date mentioned in your letter. Without the documentation from your bank confirming that your account was compromised and a new account was issued, we cant proceed with refunding the fees.
  We also see that chargeback disputes were submitted. According to our records, your bank directly refunded you for these while charging Sezzle for the amounts. So, the balance for these disputed payments remain outstanding. As communicated in the 04/15/25 email, once a chargeback is submitted, the installment payments will remain due. To continue using Sezzle or close the orders tied to the chargebacks, these outstanding payments must be resolved.
  We trust this response addresses your concerns. Should you have any further questions or require assistance, please do not hesitate to contact the Sezzle team.

• Initial Complaint

  Date:04/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I downloaded the sizzle app through an ad for buy now pay later. I was given credit to use at several stores but only used a small portion for groceries at *******. The app said that I would be charged the exact amount spent in equal amounts for 3 payments but instead I have been charged whenever they decide and amounts of whatever they want. They completely exceeded the amount I spent by approximately 200 dollars and even some payments were taken 2 payments at a time. I have changed my card a couple of times but somehow they continue to access my account. I have blocked the merchant on three occasions and they have changed the name just enough to pass by the block. I went to the app and tried to cancel my account but it wont let me. This company has taken advantage of me as I dont know a lot about online services like this. I want everyone to be aware of what kind of business they are. I would also like my account with them canceled and my information deleted

  Business Response

  Date: 04/16/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. We understand that your request expresses concern regarding being charged for more than expected on an order you had previously placed. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs related to fees. 
  Upon reviewing your account, we see that you placed two ******* orders on 02/09: one for $43.89 (Order U2H60) and another for $52.43 (Order OI9M0). Prior to checkout, you were shown the payment schedule and amounts, and reminders were sent two days before each due date. Unfortunately, when we attempted to process these installments using your chosen payment method (Debit card ending in 5556), the transactions were declined due to insufficient funds generating Failed Payment Fees, and in some cases, Late Payment Fees. 
  As outlined in your Loan Agreement, if a payment fails, a Failed Payment Fee of $5 may apply. If the failed payment is not resolved by the next day before the grace ****** expires (11:59 PM UTC), an additional Late Payment Fee up to $15 is also assessed. For more information on our fees, please refer to our User Agreement.  
  
  We want to confirm that all mentioned payments were processed with your Debit Card ending in 5556. This was reflected in the confirmation email sent on 02/09/25: By using Sezzle to complete this order, your first payment was charged to **** Debit Card account ending in 5556. Your scheduled payments will be automatically set up to be charged to **** Debit Card account ending in 5556. Please note, we found no duplicate or incorrect charges on your account. 
  
  Regarding the deletion of your account, you can learn more in our article: How do I close my account?. We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team. 

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted Sezzle on the 5th to make a payment for the 4th when I lost my debit card and then found it to make a payment and to remove a ***** fee. The fee is predatory. I was within the grace ******* and they overcharged me. When I contacted customer service, no one got back to me so that I could make the payment, and also, the phone number to customer service does not allow you to speak to a representative. I am on time with my payments, and I am asking them as a courtesy to remove this fee. The late payment is 1.50. I am not sure where the ***** comes from.

  Business Response

  Date: 04/15/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint expresses concern regarding the fees added to the installment. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs related to late payments and associated fees.  
  
  On 04/07/2025, you reached out to our **************** team to request the removal of a fee, explaining that you had lost your card, later found it, and experienced a failed payment. The agent clarified that when a payment fails, fees are automatically added per our policy. Although the payment due date was 04/03/2025, the payment remained unresolved by 04/05. As a one-time courtesy, the $5 Failed Payment Fee was waived, but the $15 Late Payment Fee could not be removed, as the payment was not resolved before the ***** ****** ended. For more information regarding our fee structure, please visit our User Agreement which outlines them. A Late Payment Fee is a fee that can be charged when a payment is not made within the ***** ****** after the payment due date. This fee can be up to $15. 
  
  Later that same day, you contacted **************** again. The agent reiterated that the $5 Failed Payment Fee had already been waived as a courtesy and explained that the $15 Late Payment Fee could not be waived since the payment was completed on 04/08/2025, exceeding the allowable ***** ******. At your request, the matter was escalated to a manager. On 04/14/2025, a manager contacted you to inform you that your situation is under further review and that additional details will be provided as soon as possible. We encourage you to stay in touch with the Support team, as we remain dedicated to working with you toward a resolution. 
   
  We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team. 

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report a fraudulent account that has been opened in my name with Sezzle **** I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Sezzle *** Opened Date: 8/1/2020 Account Number: ********************High Credit: $295.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/23/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint expresses concerns regarding accounts that were displayed on your credit reporting. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies and programs.
  
  Our records show no prior requests from you for documentation. We attempted to contact you regarding your claims to investigate the matter but did not receive a response. Additionally, our investigation has found no evidence of fraudulent activity on your account. We recommend reaching out to anyone who may have had access to your account credentials at the time of the transactions. We also encourage you to work with law enforcement if necessary; Sezzle is fully committed to cooperating with any investigation initiated by law enforcement.
  
  Based on the details provided in your complaint, our Disputes team has prepared a Debt Validation document, which includes order and payment history from your Sezzle account. This document serves to verify the information reported to the credit reporting agencies.
  
  Our records indicate that you joined Sezzle on 09/03/2019 and opted into the Sezzle Up program on 08/20/2020, which authorized Sezzle to report account activity to credit bureaus. As outlined in the Sezzle Up Terms (Section 3), Sezzle is obligated to report both positive and negative account activity.
  
  Currently, your account has been sent to collections, and any outstanding balance is being handled by **********. To resolve this matter, you will need to work directly with TrueAccord. Please note that Sezzle cannot provide balance letters or additional account details while the account is with a collections agency. Accounts sent to collections cannot be closed or deleted.
  We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team.

• Initial Complaint

  Date:04/02/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Complaint Regarding Misleading Gift Card Purchase Through Sezzle I recently purchased a ********* gift card through Sezzle under the clear impression that it would be available for immediate use. However, upon receiving the gift card and attempting to make a purchase, I discovered that the card was not functional. I immediately reached out to Sezzles customer supportan expedited service for which I pay an additional $12.99only to be informed that the gift card requires 24 hours to activate. At no point during the purchasing process was this delay disclosed, which is both misleading and inconvenient. When I requested a cancellation and refund due to this lack of transparency, I was informed that no refund would be provided and that I simply had to wait. This response is unacceptable, as I was not given the necessary information to make an informed purchase decision. I request an immediate resolution, through a refund.Additionally, I urge Sezzle to clearly communicate activation timelines for digital gift cards to prevent similar frustrations for future customers.I appreciate your prompt attention to this matter and look forward to your resolution.

  Business Response

  Date: 04/07/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint expresses concern with a gift card purchase regarding the timing of its activation and the lack of refund following your request. Our investigation found that Sezzle acted in accordance with all applicable regulations and in alignment with our terms and conditions, which were accepted at the time of purchase. These terms are publicly available on our website and app and can be reviewed on our User Agreement. 
  Our records show that the gift card was purchased on 04/02/2025. On the same day, during your phone conversation with our customer support team, the agent informed you that gift cards typically activate immediately after purchase but that activation could, in some cases, take longer than expected. You were asked to allow up to 24 hours before escalating the matter further to verify if an issue had occurred.
  You indicated that you needed the gift card activated immediately and requested a refund. The agent explained that gift cards are non-refundable, consistent with the terms you accepted at the time of purchase. At your request, the matter was escalated, and a manager reached out to you via email on the same day to reiterate the gift card policies and clarify that the purchase was final and non-refundable, due to restrictions imposed by the merchant.
  As outlined in Section 3.7 of Sezzles Terms and Conditions, merchants are the issuers of the gift cards and are fully responsible for the terms of those programs, including activation, usage, and refundability. The terms state that it is the responsibility of the purchaser to review the merchants gift card terms prior to purchase. Sezzle does not have the authority to override those terms. You can find more information on their terms at ********* Gift Card Terms. 
  We trust this response resolves your concerns. Should you have any further questions, we encourage you to contact the Sezzle team directly.
  
  

• Initial Complaint

  Date:03/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I added a new debit card on my account 3/25/25 to make my payment. It kept saying my card was declined and after trying many times it finally went through, then I get a email 2 days later saying I was charged a 5.00 late fee because my payment was late. I contacted the company by email and they responded saying they no longer take debit cards for payment and that I had to upload my bank account. There was no notice sent out about this. My subscription was also cancelled on 3/25/25 without my knowledge and my payment payment streak was changed to 0, even though I just made payments and now can not re subscribe due to the 0 payment streak. I don't know what the company is trying to pull over on people but this is completely shady. I contacted them again on 3/28/25 and I have not gotten a response.

  Business Response

  Date: 04/07/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint expresses concern regarding failed payments, associated fees, payment methods, payment streaks, subscription cancellation and bank account payments policy changes. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs. 
  
  Our records indicate that when you placed your order 45je0 on 2/26/25, the card ending in 4951 was set as your default payment method for scheduled payments. On 3/25/25, you added a new debit card (1689) and set it as the default for down payments only. As a result, your scheduled payment 3 of this order on 3/26/25 was attempted on the 4951 card, which failed. You then used the ****** feature to attempt payment with the 1689 card, which failed twice before successfully processing. Because of this, a $5 Late Payment Fee was applied. However, as a courtesy, we have issued you $5 in Sezzle Spend, which can be applied toward a future order. 
  Regarding your Sezzle Premium subscription, multiple failed payment attempts between 3/25 and 3/28/25 led to its cancellation. Your payment streak reset due to the missed payment. We are unable to adjust payment streaks, as these are determined by payment history.
  As the agents explained to you on 3/28/25, Sezzle has updated our payment policies to require a bank account as the default method for scheduled payments on orders placed after 3/14/25. Since your order was placed before this date, the system continued using your default card for scheduled payments. If ACH is not set as the default, Sezzle will attempt to charge the original method, and applicable fees will apply.
  
  We trust this response resolves your concerns. Should you have any further questions or concerns, we encourage you to reach out to the Sezzle team. 

  Customer Answer

  Date: 04/07/2025

   I am rejecting this response because: I notified tou my other debit card had been compromised I changed it as soon as I received the new one. I changed it to default those payments should have went through but you rejected it because you have to change it in 50 places. I sent numerous emails and attempted to get this taken care of but you obviously don't care about repeat customers. I am done. I will not use your business ever again.
  
  
  

• Initial Complaint

  Date:03/25/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had my account in good standing paid all my debt I accidentally closed my account on my own accord now Iam trying reopen it and they refuse to saying my payment history was poor but credit report show them reporting me as good

  Business Response

  Date: 03/31/2025

  Sezzle has received your complaint and appreciates the opportunity to address your concerns. Your complaint expresses dissatisfaction with not being able to utilize Sezzle services. Our investigation revealed that Sezzle acted in accordance with federal and state regulations, as well as in alignment with our established policies, procedures and programs as it relates to overdue payments and account closure.
  Through our review, we located your account under the email and home address you provided to the BBB. We confirmed that an order placed on July 4th, 2024, using a Sezzle Virtual Card for **** in the amount of $176.56 (Order #7tn6g), became delinquent. The down payment for this order was successfully paid on July 7th, 2024. However, payments 2, 3, and 4 were not made as scheduled. As a result, late and failed payment fees were added to each missed payment, and the overdue balance was ultimately sent to a debt collection agency.
  Sezzle sent multiple email notifications to inform you about the missed payments and associated fees, and the account being sent to collections due to the delinquent balance. The collections warning was sent to your email address attached to the account on 11/04/2024 stating, Final Notice: Your account is overdue and preparing for collections.
  Due to this repayment history, your account has been deemed ineligible to participate in Sezzle services, as outlined in our User Agreement section *****, which states: Users who: (i) are in default for any reasonare ineligible to participate in the Program and will be removed from it. We reserve the right to terminate your participation in the Program at any time.
  Additionally, we have verified that the support agent you spoke with provided accurate information regarding your account and the situation. We trust this response clarifies the matter and addresses your concerns. If you have any further questions or require additional assistance, we encourage you to reach out to the Sezzle team.