Consumer complaint received 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Sezzle Inc.
State: LA

Complaint narrative:
Draft CFPB Complaint Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX / Sezzle , Inc . 
Product : Installment / Buy Now Pay Later Loan Dates of Accounts : XXXX XX/XX/year> Complaint Summary XXXX  and Sezzle are furnishing and maintaining inaccurate account records by altering contractual due dates between the Truth in Lending ( T & L ) disclosures and the monthly account statements. These discrepancies create inconsistent repayment schedules, expose me to wrongful late fees, and risk inaccurate credit reporting in violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 



Details of the Issue XXXX. T & L Disclosures ( Pages XXXX of contract package ) clearly listed the original payment due dates at loan origination. 
XXXX. Monthly Account Statements ( Pages XXXX ) reflected different due dates for the exact same orders. 
XXXX. Out of XXXX reviewed orders : XXXX orders show a XXXX day shift in all due dates ( e.g., T & L : XX/XX/year> XXXX : XX/XX/year> ). 
XXXX orders show a XXXX day shift in all due dates ( XXXX transactions, XX/XX/year> ). 
Only XXXX orders matched exactly. 
XXXX. In at least XXXX case ( Order ID XXXX ), I was charged a {$5.00} failed payment fee and a {$10.00} late fee despite making payments consistent with the original T & L due dates. 
XXXX. These altered due dates not only create contractual inconsistency but also risk negative credit reporting if SezzleXXXX furnish delinquency data to credit bureaus based on shifted dates rather than the legally binding disclosures. 



Applicable Law Truth in Lending Act ( 15 U.S.C. 1638 ( a ) ( 6 ) ) requires accurate disclosure of payment schedules at loan origination.

Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ) prohibits the furnishing of inaccurate information to credit reporting agencies. 
XXXX XXXX Reporting Standards require accurate reflection of contractual due dates for credit tradelines. 



Harm Suffered Financial Harm : Wrongful late fees and failed payment fees assessed based on altered due dates. 
Credit Harm : Risk of inaccurate delinquency reporting to Equifax, XXXX, and XXXX. 
Contractual Harm : Consumers can not rely on the original T & L disclosures, undermining transparency and legality of the loan terms. 



Desired Resolution I request that XXXX and Sezzle be required to : XXXX. Correct all account records so that due dates reflect the original T & L disclosures. 
XXXX. Refund all improper fees charged as a result of shifted due dates. 
XXXX. Cease furnishing inaccurate information to credit bureaus based on altered due dates. 
XXXX. Delete or correct any negative tradeline data already reported inaccurately to credit bureaus. 
XXXX. Implement compliance controls to ensure all consumer statements match the T & L disclosures provided at origination. 



Supporting Evidence : Attached Exhibit A Side-by-Side Comparison of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates ( XXXX Orders, XXXX XXXX ).

Company response to consumer: Closed with explanation