Sezzle Gave me an unauthorized charge on an order they canceled Minneapolis Minnesota

I placed an order with Target using the Sezzle app for installment payments. I was told I would have $550 available to spend at Target. I placed an order for around $155. The transaction was denied. Sezzle first said it was because I could only make one transaction for my first transaction. I only placed one order with Target so I am not sure what they meant by that. 

But then I saw that they charged my bank account $23.96. I called Sezzle and they tried to blame Target. I called Target and they had no record of me placing an order. I called Sezzle AGAIN and they gave me different reasons for why the order was canceled. One was that some of the items may not have been available. That's a lie, because I made sure all the items were available before I placed my order. They then said  it may have been card network error, that there may have been an issue reading my card. I have never had an issue with my card being read online or in store. They then said that it wa standard policy for an amount to be taken out but  that it would be refunded back to me in 5-10 business days. I have used Affirm, Afterpay, and Klarna. NONE of them took a fee out unless the order was actually placed.