Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
I am filing this complaint in the hopes to keep Sezzle from reporting my account negatively now or in the future. The problem I'm having originally started when I received an additional charge on my account that Sezzle considered a failed payment fee. This is a fee charged whenever an attempt by Sezzle to retrieve a payment is failed do to insufficient funds, stop payment referrals, and in my case when a bank seeks verification before making payments to merchants. I tried to explain this issue to Sezzle that a fee charged do to something I have no control of was unfair and that I wouldn't take responsibility for it. During the time I was explaining this issue and asking Sezzle for other options to pay so that I wouldn't be charged in this way I accumulated another failed payment fee along with late payment fees all because Sezzle 's ineffective responses that never answered my questions or dealt directly to my problem at hand. Every day I sent out some form of communication whether it be through the app, email or by phone asking that there be some excusing of the failed payment fees that I had garnered and for the possibility future instances that my bank declined them. My bank declined every charge before they had me verify and if by chance Sezzle 's attempt came at the same time another transaction was happening. This Sezzle did an investigation and found to be true but still refused to remove these fees or make the adjustment needed. I most recently sent notification that I wanted to pay the total bill excluding the fees that's accumulated since to no response. All the while my account with them has been continuing although I requested to have arbitration over and over again. Much of this I blame on Sezzles dependence on an automated system that doesn't respond to individual situations outside of what's normal. I'm desperate and I have let them know repeatedly my act of defiance isn't a ploy to get out of paying but to keep from paying more than I should have to because of what has been proven isn't of my fault. I myself found ways around paying any late fees but then I notice that sezzle begins the process of repayment at XXXX XXXX  PST, long before business hours. This to me is an avenue to enrich themselves because if by chance the scheduled repayment date falls on the same day I am paid there will not be a chance that my check is deposited at the early hour Sezzle goes to retrieve it. There's no flexibility with how one can pay making almost impossible for anyone without a abundant checking account highly at risk of paying fees. I have for over a month been asking them for arbitration to settle the dispute. There's no way to pay through the app unless I pay the fees and I feel if I pay the fees then I am taking on that responsibility and I don't agree with that, I should not have to pay for what my bank does in their operations or because Sezzle is overzealous in their attempts to get paid. why does Sezzle rely on auto payments only without the option of letting customers pay independently. The only reason I see for this is that they won't be able to get a failed payment fee as they will with auto payment. Right now I ask that my account be put on pause so that I will not continue gaing fees while there's an active dispute

Company response to consumer: Closed with explanation