Consumer complaint received 2022-05-25
Company: Sezzle Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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.

Company response to consumer: Closed with explanation