Consumer complaint received 2023-02-22
Company: Sezzle Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation