Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Sezzle Inc.
State: CA

Complaint narrative:
Issue : Disputed transaction denied without documentation or proper investigation What happened : I am filing a complaint regarding a disputed transaction processed through Sezzle and my bank. I disputed a charge that I can not verify because I was never provided any documentation showing what the purchase actually was. I still have no invoice, no item description, no proof of fulfillment, and no authorization details for this transaction. I contacted the merchant : Sezzle, and my bank. The amount charged to my bank was for {$30.00} made on XX/XX/year> Through XXXX online ordering. The amount does not match any product or service through my XXXX account. I contacted XXXX and Sezzle immediately because I did not recognize what the amount was for. I asked what the amount was for through Sezzle and was told they do not have that information. I contacted XXXX and they could not find any sale in that amount or any combination of items that could include that amount. I cancelled the Sezzle account out of fraud and safety concerns and contacted my bank. The bank denied the claim as Sezzle said " someone '' must have access to my XXXX account and made that purchase. That purchase amount though as stated, does not exist on my XXXX account and I contacted XXXX 's customer service to review all purchases made for the full month and they could not find any item that matched that amount. The merchant Sezzle did not provide any information. Sezzle denied my dispute without giving me any documentation or evidence. My bank also denied the dispute but did not provide any of the merchants or XXXX documentation used in their decision. Because I have no proof of what was purchased, I can not confirm that this transaction was legitimate or authorized. I requested the documentation required under Regulation Z, including : Merchant invoice Item description Proof of fulfillment Authorization log ( device ID, IP address, timestamp ) None of this information has been provided by any party. Why this is a problem : The dispute was denied without a complete investigation and without providing the documentation required for me to verify the transaction. I am unable to confirm whether this was a valid or fraudulent charge. Both Sezzle and my bank have failed to provide the evidence used to deny my claim. What I want : I am requesting that the CFPB require : Sezzle to provide all documentation related to the transaction, including DESCRIPTION of the item purchased, proof of purchase, fulfillment, and authorization. My bank to reopen the dispute under the category of unverified or unauthorized transaction, not merchant dispute. A full reinvestigation in compliance with Regulation Z. Written copies of all evidence used in the original denial. I am simply asking for the description of the item since there are no items and purchase though my XXXX account that match that amount of # XXXX, I ask for documentation needed to verify the legitimacy of this charge and for a proper investigation to be completed. Thank you.

Company response to consumer: Closed with explanation