Sezzle

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://sezzle.com/
• Shopper support main line (9 AM-5 PM CST Mon-Fri): 1-888-540-1867
• Shopper Help Center: https://shopper-help.sezzle.com/hc/en-us
• Submit a support request: https://shopper-help.sezzle.com/hc/en-us/requests/new
• Written billing-error notices (User Agreement section 12.1): [email protected]
• User Agreement: https://legal.sezzle.com/user
• Licenses, fees and subscription prices: https://legal.sezzle.com/fees/en-us

Locations

Sezzle refunds, disputes, late fees, subscriptions and complaints: what Sezzle's own pages say (checked October 11, 2026)

Sezzle's own pages, opened on October 11, 2026, set out the routes below. This site's archive had no approved posts naming Sezzle as the company complained about on that date, so this page does not rely on reader complaints; the figures come from Sezzle, its regulators, the SEC and third-party profiles, each dated.

Contacting Sezzle. The Help Center article “How do I contact Sezzle Shopper Support?” lists a contact form (also reachable in the app under Accounts, Help, Submit a Request), messaging that is “available … 24/7” from the app or dashboard, and a main phone line, 1-888-540-1867, open 9 AM to 5 PM CST Monday through Friday. It also lists a Priority Support Line for Sezzle Premium and Anywhere members only, 7 AM to 9 PM CST seven days a week, and says messaging is closed on company holidays.

Refunds. The article “How do refunds work for returned or canceled orders?” says that when a merchant cancels the order or you return an item with a full or partial refund, the payment plan is updated once the merchant confirms, and “Until Sezzle receives funds from the merchant AND you receive our email confirmation regarding the refund, we will continue collecting payments per our user agreement.” Refunds go to the card on file used for the down payments, “can take up to 10 business days to fully process from the date you received our email,” and may appear as several equal line items. The same article says: “Fees are non-refundable.” If a merchant refunds you through another processor such as PayPal, the article says no changes are made to your Sezzle plan and you still owe Sezzle the equivalent amount.

Disputes. The article “How do disputes work?” says Sezzle has an in-house disputes team, that an order is disputable when the merchant has not fulfilled it as placed (wrong item, not shipped within the processing window, shipped to a different address), and that changing your mind about an item is not. It asks you to work with the merchant first, then file through the web dashboard (Orders, All Orders, the order, “Get help with this order”); the feature “is only available when logging in via a web browser (it is not supported in the app).” The article says the team evaluates over “the next 2-3 business days” and that “Disputes must be filed within 90 days of the date of the purchase.” User Agreement section 12.2 says that if you are dissatisfied with goods or services you financed and have tried in good faith to correct the problem with the merchant, “you may have the right not to pay the remaining amount due on the purchase. To use this right, you must not yet have fully paid for the purchase,” and to contact Sezzle in writing at [email protected] or by mail at Sezzle Inc., ATTN: Shopper Support, 700 Nicollet Mall, Suite 640, Minneapolis MN 55402. Section 12.4 says Sezzle will investigate and communicate its resolution “not later than 90 days from the time you make us aware of the issue.”

Card chargebacks. The article “What happens when I dispute (or charge back) a Sezzle transaction?” (updated February 26, 2026) says that no new orders can be placed until the chargeback is resolved and that, to keep using Sezzle, you will need to cancel the chargeback by contacting your bank and asking for it to be reversed. It also says that installments that can be resolved immediately show a pay option, and that “Paying those installments will close the chargeback and restore your ability to use Sezzle.” Under “Why do I still owe Sezzle after the chargeback is closed?” it says that the bank refunds the disputed amount to you while withdrawing it from Sezzle, so “the balance on the associated payment(s) remains outstanding.”

Late, failed and rescheduled payments. See the first FAQ item and the fee table in the company-background section. The article “Why was I charged a fee?” adds that an overdraft or NSF fee labelled “Sezzle” on your bank statement is “most likely a fee your bank has charged,” and tells you to ask your bank about it. The article “What is a Late Saver Fee?” says the fee applies if you do not set up a bank account for scheduled payments, in which case Sezzle attempts the default down-payment method, and that “If the payment attempt on your default down payment method is unsuccessful, a Late Saver Fee will not be charged”; the article “Why was I charged a fee?” says Failed and Late Payment Fees may apply instead. User Agreement section 4.7 says that if an account remains in default for ninety (90) days or longer it “may be terminated.”

Cancelling a subscription. Sezzle Premium and Anywhere are monthly subscriptions that auto-renew unless cancelled. The Help Center steps are: in the mobile app, Accounts tab, Subscriptions, settings icon, Manage subscription, Cancel Subscription; in the web dashboard, Account, Subscriptions, Cancel Subscription. The Help Center article says the subscription “will be canceled at the end of the current billing cycle” and recommends making changes at least 24 hours before the billing date. The Sezzle Subscription Terms (last update May 31, 2026, effective June 1, 2026; legal.sezzle.com/premium-terms/en-us) state the deadline differently in section 7: “You must cancel at least two (2) days before the next Subscription Payment Date to avoid being charged for the next Subscription period (e.g., if renewal date is January 10, you must cancel by 11:59:59 pm ET on January 8).” The same section says: “Except as otherwise stated, if you cancel your Subscription, you will not receive a refund, but you can continue to enjoy the Subscription and other included benefits through the end of your then-current Subscription period.” The only refund exception it states is for annual subscribers who cancel within the first 48 hours without having placed an eligible order, at Sezzle's sole discretion. Section 6.3 says that if you have not cancelled, “we will attempt all card payment methods on file for up to thirty (30) days after the Subscription Payment Date.” The two pages are set out side by side and this site does not choose between them. A separate article, “I don't remember signing up for Sezzle Premium or Anywhere,” says you may be offered an upgrade at some checkouts and points to the cancel steps and to support.

Credit reporting and collection. See the credit-reporting FAQ item below for what Sezzle says it reports and how to dispute it. The article “Why do I still see Sezzle in my credit report even though I don’t use it anymore?” (for shoppers enrolled in Sezzle Up and/or with long-term financing orders) says: “Your closed Sezzle account can remain on your report for as long as 7 years after the time you closed the account.” User Agreement section 7.1 says that, to stop Sezzle or its lenders obtaining consumer reports unrelated to an application for credit or servicing of an existing obligation, you should call customer service at +1 (888) 540-1867 “from 9 AM to 6 PM, Central Time”; the Help Center article lists the same main line as open 9 AM to 5 PM CST, so the hours differ between the two pages.

Outside complaint routes. You can submit a complaint to the Consumer Financial Protection Bureau through its consumer complaint portal (consumerfinance.gov/complaint), and California residents can complain to the Department of Financial Protection and Innovation (DFPI), which lists a Consumer Services Office number, 1-866-275-2677, on its Sezzle enforcement page. A complaint to a regulator is separate from a dispute with Sezzle and does not pause payments.

Regulator actions and inquiries involving Sezzle

No action by the Consumer Financial Protection Bureau or the Federal Trade Commission against Sezzle was identified in the sources checked on October 11, 2026: the CFPB enforcement-actions page returned no result for the title search “Sezzle”, the CFPB site search for “sezzle” returned a research report and an archived newsroom item that name Sezzle among buy now, pay later providers (not enforcement actions), and Sezzle's Form 10-K for 2025 and Form 10-Q for the quarter ended June 30, 2026 list one legal proceeding, a lawsuit Sezzle filed against Shopify (see the litigation section). The FTC was not searched through its own site, so that part is not a finding that none exists.

California Department of Business Oversight, January 2020. On December 30, 2019, the Department (now the DFPI) issued a Statement of Issues denying Sezzle's application for a California Financing Law (CFL) license. It said Sezzle had made loans to California residents without a license; Sezzle's position, recorded in the same document, was that “Sezzle purchases credit sale contracts from merchants who sell goods to consumers” and that these purchases are not loans under California law. On January 16, 2020 the Department and Sezzle signed a Consent Order that resolved the denial. Its terms, in the order's words, were that Sezzle “is hereby ordered to desist and refrain from engaging in the business of a finance lender in California” without a license, pay a penalty of $28,200, and “refund or credit all fees paid to Sezzle by California residents,” including “failed payment penalty fees and payment-rescheduling fees,” for which “Sezzle represents … that it has collected $282,000 in such fees to date.” The Department's press release of the same date says the refunds covered “almost 17,000 California consumers” and that Sezzle will make future loans or extensions of credit to California residents only under a CFL license. The order also provides that, if Sezzle later applies for a license or is the subject of an enforcement action, “the subject matter hereof shall be admitted” for that proceeding. The DFPI page lists Sezzle's CFL license number as 60DBO-104155.

California DFPI, April and May 2022. The same DFPI page lists two later documents. An Order Summarily Revoking Sezzle's Finance Lender license, dated April 19, 2022, states that Sezzle “did not file its Annual Report as required by Financial Code section 22159.” On May 6, 2022 the DFPI and Sezzle signed another Consent Order, which recites that Sezzle submitted the report on May 2, 2022, 33 business days late, rescinds the revocation order, and requires an administrative penalty of $14,500. This was a reporting violation, not a finding about loans or consumer fees.

The sources above are the ones opened on October 11, 2026. State regulators outside California were not searched one by one; Sezzle's license list is shown in the company-background section.

Sezzle: who runs it, how its loans work, fees and licenses

Who Sezzle is. The registrant on the SEC filings is Sezzle Inc., a Delaware public benefit corporation based at 700 Nicollet Mall, Suite 640, Minneapolis, Minnesota, whose common stock trades on Nasdaq as SEZL. The company's 10-K for 2025 says it operates in the United States and Canada and is winding down operations in India and certain countries in Europe. BBB's page data shows the business started and incorporated on February 14, 2016.

How the product works. In the company's words, the Sezzle Platform “offers a payments solution for consumers that instantly extends credit at the point-of-sale” so consumers pay in installments. Help Center article “What is Sezzle, and how does it work?” lists Pay in 5 (20 percent down, 20 percent biweekly), Pay in 4 (25 percent down, 25 percent biweekly), Pay in 2, Pay in Full, virtual cards and long-term financing, and says that for many merchants there is no interest on Pay Later orders. It also says Sezzle “may run a soft credit check.” The User Agreement says some products are offered by Sezzle and some by lenders that originate loans through the service; “Lender may mean Sezzle or WebBank” and loans originated by WebBank are serviced by Sezzle. The 10-K lists, among its risk factors, “our reliance on our originating bank partner to originate a substantial majority of the loans facilitated by the Sezzle Platform.” A Form 8-K filed August 18, 2026 (agreement dated August 12, 2026) says WebBank's program with Sezzle runs through September 27, 2029, that WebBank “remains the exclusive originator of the consumer installment loans offered in connection with the Company's products … subject to limited exceptions,” that the program now also covers SezzleCash and Sezzle Send, and that the amended agreements raised the minimum tangible net worth Sezzle must maintain from $12.0 million to $100.0 million. The help page footer and the Help Center give two different worked examples of the cost of a Pay in 4 loan (a $300 Pay in 4 example at a 45.0 percent APR with a $7.49 service fee and $307.49 total on the support page footer, which says service fees “can range from $0 to $7.49”; a 35.40 percent APR example with a $5.99 service fee in “What is Sezzle”), so read the loan agreement shown at checkout.

Scale, as the company reports it. The 10-K for 2025 reports 3,049 thousand Active Consumers (unique consumers who placed an order within the last twelve months) and 918 thousand Monthly On-Demand Users and Subscribers at December 31, 2025.

Fees. Sezzle's Licenses, Fees & Subscriptions page (opened October 11, 2026) says amounts depend on state law and may be smaller or not charged: Late Payment Fee “Up to $16.95 but in no event more than twenty-five (25%) of the purchase order amount”; Late Saver Fee $1.99; Reschedule Fee up to $7.50; Failed Payment Fee up to $6.95 (also capped at 25 percent of the order); service fees (prepaid finance charges) up to $7.49 for On-Demand, $14.75 for Sezzle Send and $11.25 for SezzleCash; Sezzle Balance load fee up to $4.99 and instant disbursement fee of 1.75 percent of the withdrawal (up to $25); subscriptions Sezzle Premium $13.99 and Sezzle Anywhere $19.99 per month.

Licenses. The same page lists NMLS ID 1950862 and state licenses or registrations, including California Financing Law license 60DB0-104155, Minnesota Regulated Loan Company license MN-RL-1950862 and collection-agency licenses or registrations in several states, with the regulator named for each.

Related entities. The Help Center has a “Long Term Financing” section with an article on how to contact Bread for a long-term lending order placed with them; WebBank, a Utah-chartered industrial bank, is the originating bank partner and issues the Sezzle Balance account being rolled out from August 14, 2026. On virtual cards, the Help Center article “Why was I charged a fee?” names WebBank, while the article “What is Sezzle, and how does it work?” says: “Sezzle Virtual Cards are issued by both WebBank, and Sutton Bank, Member FDIC … The issuer of the card will be displayed at the time of issuance.”

Complaint record: BBB, CFPB database and Trustpilot as displayed on October 11, 2026

Snapshots as displayed on October 11, 2026. These are separate sources and are not added or averaged.

• BBB: BBB profile for Sezzle, Inc., Minneapolis: rating B, not BBB Accredited; 1,174 total complaints in the last 3 years, 418 filed in the last 12 months; “Average of 191 Customer Reviews” shown as 1.04 out of 5. BBB's rating reasons include “13 complaint(s) filed against business that were not resolved.” BBB says the complaint text displayed may not represent all complaints.
• CFPB complaint database: 1,497 complaints naming “Sezzle Inc.” received between January 12, 2021 and October 2, 2026, 810 of them since October 11, 2025. As categorised in the database, the largest product groups were “Credit reporting or other personal consumer reports” (504), “Debt collection” (422), “Payday loan, title loan, personal loan, or advance loan” (264), “Credit card” (109), “Credit reporting, credit repair services, or other personal consumer reports” (75) and “Money transfer, virtual currency, or money service” (56). The largest issues were “Incorrect information on your report” (397), “Took or threatened to take negative or legal action” (181), “Attempts to collect debt not owed” (166), “Problem with a company's investigation into an existing problem” (121), “Improper use of your report” (89), “Problem when making payments” (79) and “Charged fees or interest you didn't expect” (71). Company responses: closed with explanation 1,483, closed with monetary relief 9, closed with non-monetary relief 5; timely response yes 1,405, no 92. These are complaints submitted to the CFPB and the categories are those the database records; they are not findings, and complaints about debt collection or credit reporting may concern collection agencies or reporting of balances rather than Sezzle's checkout product.
• Trustpilot: 4.1 out of 5 from 16,576 reviews (“All reviews”), with 1,244 reviews in the last 12 months. The star-share bars shown directly beneath the 12-month line read 5-star 84 percent, 4-star 3 percent, 3-star 2 percent, 2-star 1 percent and 1-star 10 percent; the page does not state next to the bars which review set they cover, so they are not given here as a distribution of all 16,576 reviews. The page shows a claimed profile (April 2018), a paid Trustpilot subscription, and “Replied to 98% of negative reviews.”
• ComplaintsBoard: a search of complaintsboard.com for “sezzle” on October 11, 2026 returned posts that mention Sezzle and no dedicated Sezzle company page was found in that search.

The BBB and Trustpilot figures differ widely; both are shown because they measure different things (BBB's displayed customer reviews versus all Trustpilot reviews) and neither is verified by this site. This site's archive had no approved posts about Sezzle as of October 11, 2026.

Court cases and arbitration terms

Sezzle, Inc. v. Shopify, Inc. (D. Minn. No. 0:25-cv-02395) was filed by Sezzle on June 9, 2025. According to Sezzle's 10-Q for the quarter ended June 30, 2026, the complaint asserts federal and Minnesota antitrust claims and alleges Shopify engages in anticompetitive practices to stifle competition for buy now, pay later options on its e-commerce platform; Sezzle seeks an injunction and damages. Shopify denied the allegations and moved to dismiss; a hearing was held on December 8, 2025. On May 11, 2026 the court granted in part and denied in part the motion: it dismissed without prejudice Sezzle's unlawful-tying claim under Section 1 of the Sherman Act and the parallel Minnesota claim to the extent it asserts the same theory, and the remaining claims, including monopolization and attempted monopolization, are proceeding. This is a case Sezzle brought, not a consumer claim against Sezzle.

Sliwa v. Sezzle Inc. (putative class action). Michael Sliwa filed a “CLASS ACTION COMPLAINT” against Sezzle Inc. in the U.S. District Court for the Central District of California on May 6, 2022 (No. 2:22-cv-03055), on behalf of himself and others similarly situated. The complaint alleges that Sezzle's automated repayment transfers expose users to insufficient-funds and overdraft fees from their banks and that Sezzle does not adequately disclose this, and it pleads claims under California's Unfair Competition Law and False Advertising Law and the Minnesota Consumer Fraud Act. These are the plaintiff's allegations. Justia's copy of that docket (last retrieved July 1, 2022) shows a stipulation setting a briefing schedule for a potential motion to compel arbitration. Justia also lists a second docket with the same parties, No. 2:22-cv-06093, filed August 26, 2022 as a notice of removal; its sheet (last retrieved November 7, 2022) shows Sezzle's motion to compel arbitration, the plaintiff's motion to remand to Los Angeles Superior Court, and an October 20, 2022 order taking those motions under submission. The docket sheets read do not show a ruling or an outcome.

Individual consumer-statute suits. Justia's party search for “sezzle” (opened October 11, 2026) lists these dockets naming Sezzle Inc. as a defendant: Gonzalez v. Sezzle Inc., C.D. Cal. No. 2:26-cv-06352, filed June 11, 2026, cause of action listed as 47 U.S.C. § 227 (Telephone Consumer Protection Act); Richardson v. Sezzle Inc., N.D. Ga. No. 1:26-cv-00529, filed January 29, 2026, Fair Credit Reporting Act; and Vitanza v. Sezzle, Inc. et al, S.D. Cal. No. 3:25-cv-02222, filed August 27, 2025, Fair Credit Reporting Act, with Equifax Information Services also listed as a defendant. The same search also lists a removed matter that Justia classifies under civil rights (Scherer v. Sezzle Inc., D. Minn. No. 0:25-cv-02447) and other matters that are not consumer-credit claims, and a Fair Debt Collection Practices Act docket (Paris, N.D. Tex. No. 3:26-cv-02172) whose listed defendants do not visibly include Sezzle. These are allegations in individual cases; this page does not describe their merits or outcomes because the listings read did not show rulings. Sezzle's 10-K and 10-Q say it is not currently involved in material legal proceedings other than the Shopify lawsuit and ordinary routine litigation.

The User Agreement contains an arbitration provision and a class action and jury trial waiver in section 12 unless you opt out; see the FAQ on opting out.

Is Sezzle Legitimate?

Sezzle Inc. is an SEC-reporting company listed on Nasdaq (SEZL) whose annual and quarterly reports are on EDGAR; its loans are made by WebBank, a Utah-chartered industrial bank, or by Sezzle under the state licenses listed on its fees page, and the company says it is subject to CFPB authority. The documented regulatory record in the sources checked is a 2020 California consent order on unlicensed lending (refunds of $282,000 and a $28,200 penalty) and a 2022 California consent order over a late annual report ($14,500 penalty). Consumers report problems about fees, payment collection, credit reporting and subscriptions to the BBB and the CFPB; those counts are in the complaint-record section and are allegations, not findings. Trustpilot shows a much higher rating than BBB. Nothing on this page is a rating or verdict by this site.

Court & Public Records

Company Relationships

• Affiliated with: WebBank

Frequently Asked Questions