I Was Charged $205 for a Best Buy Gift Card I Never Authorized—How Do I Fight This?

Hi everyone,
I need some help and perspective as I’ve been royally victimized by Sezzle, the pay-as-you-go app.

Yesterday, I discovered that somehow, in the background of using my phone, Sezzle had processed a $205 transaction for a digital Best Buy gift card. To be clear, I had absolutely no intention of making this purchase. I cannot stress this enough. I wasn’t even on a Best Buy website, and I did not agree to finance a gift card in four installments. Yet, I was charged $52 immediately for the first payment, with three more $50 installments scheduled over the next two months.

When I saw the charge hit my account, I was shocked and confused. My first instinct was to contact Sezzle to cancel the transaction. Unfortunately, the more I talked to them and the multiple other parties involved, the more hopeless it felt. Sezzle’s representatives weren’t helpful, and it became clear that they weren’t interested in reversing or canceling the installment agreement. Best Buy also refused to help, citing their non-refundable gift card policy.

I’m now stuck paying for a product I didn’t want, didn’t authorize, and can’t use. I feel like a complete victim of a system error or glitch that no one is willing to take responsibility for.

What I’ve Tried So Far:

• Contacted Sezzle’s customer service multiple times. They claim they can’t cancel or refund the transaction.
• Reached out to Best Buy, but they said digital gift cards are non-refundable.
• Begun disputing the charge with my bank, but the payments are installment-based, which complicates things.

It’s not just about the money that’s made this a bad experience. It’s the effort of every party involved to create the most ridiculous storm of a problem for me to experience. The fact I accidently became contractually obligated to a finance agreement on a digital Best Buy gift card. That concept alone is so dumbfounding that it eases the anguish. It feels wrong that companies like Sezzle and Best Buy can shrug off responsibility for mistakes (or worse, fraudulent activity) like this.

Thank you for taking the time to read my story. I really appreciate any help or perspective you can offer!

If someone here has experienced something similar or knows what else I can do. Any advice, insights, or suggestions would mean a lot.

• Has anyone successfully disputed a transaction like this with Sezzle or a similar service?
• Are there other consumer protection agencies or legal routes I can pursue?
• Is there any way to sell or trade the gift card to recoup some of the money?