In Your Corner
Frizzbee is not just a payment tracker. We are on your side. When BNPL companies make mistakes, charge unfair fees, or make it hard to get help — we give you the tools to fight back.
41%
of BNPL users paid late in the past year
LendingTree, 2026
90%
who asked for a late fee waiver got one
LendingTree, Feb 2026
62%
wrongly believe BNPL builds their credit
LendingTree, 2026
The Problem Is Real
BNPL was supposed to be the friendly alternative to credit cards. No interest, no credit check, just split your purchase into four easy payments. But the reality is messier. Late payment rates are climbing. Fees are stacking up. And most users do not even realize their BNPL activity is not building their credit score.
According to LendingTree's 2026 BNPL Tracker, 41% of users paid late on at least one BNPL loan in the past year — up from 34% just twelve months prior. One in four users now has three or more active BNPL plans running simultaneously. And 25% are using BNPL to buy groceries — nearly double the rate from a year ago.
The good news? You have more power than you think. BNPL providers will often work with you — if you know how to ask. That is what In Your Corner is about.
Late Fee Waiver Templates
Ready-to-send messages for every BNPL provider
90% of people who asked for a BNPL late fee waiver got at least a partial reduction. The key is knowing what to say, who to contact, and how to frame your request. Frizzbee Pro includes pre-written late fee waiver templates customized for each provider:
Afterpay
Waiver template
Klarna
Waiver template
Sezzle
Waiver template
Zip
Waiver template
Affirm
Waiver template
PayPal
Waiver template
Each template includes the right tone, the key phrases providers respond to, and step-by-step instructions for submitting your request.
Hardship Letter Templates
When you need real help, not just a waiver
Life happens. Job loss, medical emergencies, unexpected expenses. When you are genuinely struggling to make BNPL payments, a hardship letter is your best tool. Many BNPL providers have informal hardship processes that can include reduced payments, extended deadlines, or waived fees — but they do not advertise them.
Frizzbee Pro includes hardship letter templates that walk you through what to say, how to document your situation, and how to request specific accommodations. These templates are designed to be professional, honest, and effective.
CFPB Complaint Guidance
When the provider will not help, escalate
The Consumer Financial Protection Bureau (CFPB) accepts complaints about BNPL providers. If you have been charged unfair fees, had payments processed incorrectly, been sent to collections without proper notice, or experienced any other issue that your BNPL provider refuses to resolve — you have the right to file a complaint.
Frizzbee Pro includes step-by-step guidance for filing a CFPB complaint, including which product category to select, what information to include, and how to write a clear, effective complaint narrative.
You can file a CFPB complaint directly at consumerfinance.gov/complaint.
Prevention Is the Best Advocacy
The best late fee is the one you never pay. Frizzbee's core features are designed to prevent the situations that lead to fees, missed payments, and collections accounts in the first place:
Payment Reminders
Get alerts before every BNPL payment is due — by email and SMS. Never be surprised by a charge hitting your account.
All Providers, One Dashboard
See every active plan from Afterpay, Klarna, Affirm, Sezzle, Zip, and PayPal in one place. No more guessing what is due when.
Health Score
See your overall BNPL health at a glance — on-time payment rate, total debt, plan count, and spending velocity. Catch problems before they start.
Payoff Calculator
See exactly when each plan will be paid off and how much you owe across all providers. Plan your cash flow with confidence.
Frequently Asked Questions
Can you get a BNPL late fee waived?
Yes. A February 2026 LendingTree survey found that 90% of BNPL users who asked for a late fee waiver were successful in at least getting it reduced. Contact your provider, explain the situation politely, and ask for a one-time courtesy waiver.
How do I get an Afterpay late fee waived?
Contact Afterpay through the app or help.afterpay.com. Explain this is a first-time occurrence and ask for a one-time waiver. Afterpay charges up to $8 per missed payment with a 25% cap on total fees.
How do I dispute a BNPL charge?
Contact the provider directly through their app. If unresolved, file a complaint with the CFPB at consumerfinance.gov/complaint. You can also dispute through your bank if the payment was unauthorized.
Do BNPL companies offer hardship programs?
Some do, informally. Contact your provider, explain your financial situation honestly, and ask what options are available. Options may include reduced payments, extended deadlines, or waived fees.
How many BNPL users pay late?
41% of BNPL users paid late in the past year (LendingTree, 2026), up from 34% the year before. The Federal Reserve found 24% of users missed payments in 2024, up from 18% in 2023.
Can I file a CFPB complaint about a BNPL company?
Yes. Go to consumerfinance.gov/complaint. Select 'Payday loan, title loan, personal loan, or advance loan' as the product type. Include details about the issue and what resolution you are seeking.
Get Frizzbee — your BNPL advocate
Track every payment. Get reminders before due dates. And when things go wrong, use our templates to fight back. Free to start.
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