Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: AR

Complaint narrative:
I did a purchase on the sezzle app for XXXX. When I signed up for the app I was allowed to use a debit card for the purchase and was under the impression that the debit card was the way I would be paying all of the transactions off. On XX/XX/XXXX th I contacted support because I was trying to go ahead and pay the remainder of the payment off early so that I could close my account. However when trying to do so I was told that I could not use the card I had been using which was a debit card and I asked why since this was the card I used to start the transaction and this is what the app instructed me to do, I was told that debit cards can not be used to make early payments ( which was not previously disclosed ) and that they could only be used for the first payment and that I would either have to load money to my sezzle account OR I would have to send in my personal bank information which I was not going to do since I did not trust this app from the start. So I tried to load money to my sezzle account to pay the remaining amount and it would not allow me to. I was then contacted by a supposedly live agent through the app and I was then told that debit cards cant be used as a default payment method for scheduled payments even though I had originally scheduled the payments with the exact same debit card when I first signed up for that exact order. I then informed this live agent that it would not allow me to add money to my sezzle balance and that I would not be adding my bank accclint because it was sketchy and they wanted me to pay an additional fee just to unload money which again was also not discussed to which I received no reply. I then had a fraudulent charge on my bank account for XXXX that prompted me to get all of my cards changed and I was instructed to have them locked until my account was in the clear on XX/XX/XXXX. Due to this my card was locked and I was still under the impression that I could not use a debit card to pay the bill and I had still received no reply. I then came back to a charge on my card from sezzle for the amount of XXXX on XX/XX/XXXX that was agreed upon which obviously declinded because my card was still not in the clear from fraud. I immediately unlocked my card and waited for them to recharge the amount, they never attempted to. So then I went to my sezzle account to try and do the charge myself and it would not let me again because I was using a debit card, from the same account the tried to charge the first time yet there was no late fee placed upon my account so I assumed they would try again within the next day or two. They vnever did and I was not able to get the app to charge me. Something I asked for help for multiple times. So on XX/XX/XXXX I went back to sezzle to try and figure out what was going on and noticed that they added a {$6.00} failed payment fee and a additional {$16.00} late payment fee after I had been asking for help to pay my bill for a whole month. I then went back to support to get help and ask for them to remove the fee since I had sent a request for help on XX/XX/XXXX and it was now XXXX and I still had not received any help and had just been ignored. I sent in video proof of the app not letting me pay, not letting me select any payments at all and was told the same thing all over again and that I would just have to pay it. Which I insisted that I would not since it was not my fault that there app was not working and that they never disclosed that a debit card could not be used for future payments. I still havent received any help what so ever just the same old run around. I know theyre trying to rack my account up on charges to get extra money out of me and this is not the first time Ive heard of sezzle scamming which is why I didnt want to give my bank information in the first place. I did not head those warning because Ive used apps like XXXX and XXXX for years and NEVER had issues with them taking the same debit card I started the order with. This is ridiculous and completely wrong and it needs to be fixed. When I sent the video in I was basically told I was stupid and that I actually had to press the payment to pay it which I had been doing but it doesnt show in the video because it was a screen recording and if you press something that doesnt actually have a command it wont show that you pressed it but in the video you can clearly see the pressing the continue button over and over again and that worked just fine but for some odd reason it would not let me select the payments

Company response to consumer: Closed with explanation