Credit reporting
Sezzle: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 54
- Closed with money back
- 2
- 2023 to 2025
- 8 to 35
Sezzle received 774 complaints from everyone in the window; 54 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 2 of the 54 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 8 in 2023 to 35 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 18 |
| Debt collection | 10 |
| Payday loan, title loan, personal loan, or advance loan | 9 |
| Credit card | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
By issue
| Incorrect information on your report | 22 |
| Charged fees or interest you didn't expect | 4 |
| Attempts to collect debt not owed | 3 |
| False statements or representation | 3 |
| Improper use of your report | 3 |
| 2023: 8 | 2024: 11 | 2025: 35 |
Which accounts, specifically
| Credit reporting | 23 |
| Installment loan | 8 |
| I do not know | 6 |
| Store credit card | 5 |
| Virtual currency | 3 |
What went wrong, specifically
| Account information incorrect | 11 |
| Account status incorrect | 4 |
| Information belongs to someone else | 4 |
| Attempted to collect wrong amount | 3 |
| Their investigation did not fix an error on your report | 2 |
Busiest month: January 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from TX (11), CA (5), FL (5) , then GA, IN, LA.
How Sezzle answered
| Closed with explanation | 51 |
| Closed with monetary relief | 2 |
| Closed with non-monetary relief | 1 |
Sezzle responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (4). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit card; Problem with a purchase shown on your statement. NV, 2024-08-20. Outcome: Closed with explanation. Complaint 9867666
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""
Money transfer, virtual currency, or money service; Other transaction problem. IN, 2024-07-05. Outcome: Closed with explanation. Complaint 9422871
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Debt collection; False statements or representation. GA, 2024-06-19. Outcome: Closed with explanation. Complaint 9301127
If this is your problem at Sezzle
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Checkr 53 servicemember complaints; 0 with money back
- First Advantage 53 servicemember complaints; 0 with money back
- Aqua Finance 56 servicemember complaints; 6 with money back
- Alliant Credit Union 58 servicemember complaints; 2 with money back
- Larry H. Miller Group of Companies 48 servicemember complaints; 0 with money back
Next in the directory by volume: Western Union Company, The.
Frequently asked questions
How many complaints did servicemembers file against Sezzle?
54 complaints tagged servicemember were received by the CFPB about Sezzle Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 8 in 2023 to 35 in 2025.
What do servicemembers complain about most at Sezzle?
Credit reporting or other personal consumer reports accounts for 18 of the 54 complaints, and the most common issue is "Incorrect information on your report" (22). Next: "Charged fees or interest you didn't expect" (4).
Does Sezzle give money back when a servicemember complains?
2 of the 54 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 1 closed with non-monetary relief and 51 closed with an explanation only. Sezzle answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.