I used Klarna to make a purchase from XXXX. The total amount charged through Klarna was {$350.00} The item was never delivered to me. According to the shipping information from XXXX, the package never reached my address and remains undelivered. Because the item was not delivered, I filed a dispute with my bank XXXX XXXX XXXX XXXX ). After reviewing the claim, my bank determined the charge was validly disputed and credited the amount back to my account. Despite this, Klarna is now attempting to collect {$89.00} from me, claiming that the chargeback resulted in funds being returned to my account. Klarna has not provided any proof of delivery and has refused to remove the balance. I contacted Klarna multiple times and requested proof of delivery and clarification of the charge. Klarna failed to provide proof and stated they are a payment provider and that the issue is between them and the merchant. I am not responsible for paying for goods that were never delivered.…
CFPB COMPLAINT DATABASE
Klarna AB
452 real consumer complaints filed against Klarna AB at the Consumer Financial Protection Bureau in the last 12 months. 56 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Problem with a purchase shown on your statement108
- 02Problem when making payments74
- 03Attempts to collect debt not owed38
- 04Problem with additional add-on products or services31
- 05Unauthorized transactions or other transaction problem23
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I purchased a pair of shoes through XXXX for {$440.00}, my payment method was Klarna, the item was sold to me ( in the listing as well ) as excellent condition XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) upon receiving the shoe, it was very well worn. I called XXXX and they suggested I get the shoes repaired. They immediately denied returning the item for refund. I then went to my payment method, Klarna, and they first initially denied my dispute claiming XXXX offered me a refund which wasnt true. I have evidence where XXXX states they arent moving forward with a return, hence why they suggested getting the item repaired. I appealed Klarnas denial of my dispute and they later claimed I didnt provide evidence showing thats how I received the item. Which wasnt true, my photos were dated with the same date as the shipping delivery date with eBays tags showing it came directly from them. Klarna claims they dont do chargebacks when I talked with customer service this last time.…
I am filing this complaint regarding Klarnas handling of a billing dispute ( Reference : XXXX, Complaint ID : XXXX ). I was charged {$520.00} for a transaction that included both physical products and consultation services. The merchant only delivered a small portion of the physical product. The majority of the charge refers to consultation and ongoing services that were never provided. I have clear written evidence from the merchant explicitly stating that the services and appointments would not be carried out. Despite this, Klarna resolved my dispute based solely on proof of shipment, without verifying full delivery or addressing the failure to provide the main service. This transaction was only partially fulfilled and should not be considered complete. Charging the full amount under these circumstances is incorrect. I have attempted to resolve this issue multiple times with Klarna, including opening XXXX disputes and providing supporting evidence.…
Summary of Issue : Klarna attempted to collect payment for a veneers purchase that was never delivered. When I disputed the charge, Klarna failed to investigate, failed to provide required disclosures, and continued collection activity. Klarna then submitted a nonresponsive CFPB reply referencing an unrelated merchant, which misrepresented the dispute and avoided addressing the regulatory violations. -- - 1. Klarna attempted to collect payment for veneers that were never delivered I placed an order for veneers. The veneers were never delivered. Despite this, Klarna : Attempted to collect payment Sent reminders Pressured me to link my banking information Treated the transaction as a valid debt even though the product never arrived I did not link my bank because I was not going to pay for merchandise I never received. -- - 2.…
In XX/XX/year> I received a email about a XXXX XXXX account created XXXX used with my email XXXX name ( which was spelled incorrectly, ) for a purchase at XXXX for a XXXX Film instant camera. Upon receding email I immediately contacted XXXX XXXX advised them XXXX cancel the order XXXX that it was fraudulent likely created using info from a data breach I had been a part of from XXXX XXXX XXXX many years back as they also spelt my.m name incorrectly in the same manner. XXXX XXXX told me they would look into the claim, XXXX not XXXX pay it until I received an answer. This morning XXXX months later they decided that the order was somehow mine XXXX I was responsible for the {$210.00} charge XXXX are even now charging interest. I did everything I could XXXX stop this from happening yet XXXX even XXXX prevent the loss by having them contact XXXX XXXX not allow the item XXXX be picked up, yet they did nothing for months XXXX now expect me XXXX pay the bill.
Recent complaints
The 30 most recent complaints against Klarna AB where the consumer chose to publish their narrative.
Company Involved : Klarna Inc. and XXXX XXXX XXXX XXXX XXXX Related Company : Simplilearn Solutions Account Number : XXXX Amount Disputed : {$2000.00} Description of Incident : I am filing this complaint due to improper billing practices and a failure to validate a disputed debt. On XX/XX/XXXX, I enrolled in a XXXX XXXX XXXX with XXXX, which was financed through a Klarna account. On XX/XX/XXXX, I submitted a formal written cancellation request to XXXX ( via an employee named " XXXX '' ) stating that the course was unsuitable and the instructional quality was insufficient. Despite this timely notice, XXXX failed to process the cancellation and continued to bill the full amount to my Klarna account. This account has now been referred to XXXX XXXX for collection. I have sent formal " Notice of Dispute and Debt Validation '' letters via Certified Mail to both Klarna and XXXX XXXX as of XX/XX/XXXX.…
I recently opened a klarna account I added money in the amount of XXXX in two transactions one for {$100.00} and the second for {$50.00} both deposits where made from a third party card that belongs to my stepdad from his XXXX account. When trying to use my money on my klarna account I'm asked to verify myself before I can use my own funds in the account I have tried multiple times using my identity card and face recognition but the system fails to verify my identity. I have requested klarna support to help me with the verification and even sent then all the requested documents they asked me for. and still they fail to help with the problem. They gave ignored my complaints for XXXX month causing a financial hardship. I have also demanded for them to refund my balance back to the original card I made the deposit with since my account can't be verified.…
I am submitting a complaint regarding incorrect billing on a Klarna XXXX in XXXX purchase with XXXX. In early XX/XX/year>, I placed an order with XXXX using Klarna XXXX in XXXX for a total of {$260.00} ( XXXX items ). After the order was placed, XXXX cancelled XXXX item ( XXXX XXXX ) before it shipped. This reduced the actual order total to {$210.00} ( XXXX items ). I made XXXX payments toward the Klarna plan totaling {$130.00}. After that, I returned XXXX of the remaining XXXX items. On XX/XX/year>, XXXX issued refunds totaling {$180.00}. These refunds were sent to my Klarna card and were not automatically applied to the payment plan. Based on XXXX own policy, refunds should be applied to the outstanding balance of the payment plan. However, the plan has not been adjusted and continues to reflect the original total. I have since made the third payment to avoid late fees while this issue is ongoing. However, I do not agree with the remaining balance being charged.…
I am filing a complaint against Klarna regarding a Buy Now, Pay Later transaction connected to a purchase from XXXX XXXX XXXX in the amount of approximately {$5000.00}. On or around XX/XX/XXXX, I entered into this agreement and financed the purchase through Klarna. This transaction involved custom portrait goods that require customer approval before production. I signed the agreement before seeing any finalized images, relying on representations that the images would be professionally edited and meet certain quality standards. On or around XX/XX/XXXX, I received the images and determined that they did not meet the represented standards. The editing was inconsistent, and at least one image in the edited album appeared unedited. Due to these issues, I did not approve the images for production or printing and explicitly communicated that I did not authorize printing or shipment. I requested cancellation of the order prior to any production.…
Klarna is a prepaid company such as After Pay, Cash App, etc. We have been loyal & upstanding customers with Klarna for over a year now to include keeping them in the loop of our identity being compromised every step of the way & advising we may have to file bankruptcy due to the impact the identity theft was having on us. We even asked if this would affect them or if they followed the same guidelines as other pre-paid services such as After Pay & Cash App, which they advised as long as we kept up our payments with them. The first conversation took place on XX/XX/XXXX, and a follow up conversation took place on XX/XX/XXXX with XXXX. Klarna falsified their information to us & even lied to us in the use of services, terms, & conditions, & then attempted to continue collecting debts they arbitrarily injected themselves into.…
On XX/XX/year>, I attempted to finance a purchase through Klarna on the XXXX XXXX website ( XXXX XXXX. During the checkout process, I received an error message stating that the transaction did not go through and that I should visit a retail location instead. No order confirmation was provided. I attempted the process a second time on the same date. During this second attempt I was prompted to complete additional verification steps, including granting Klarna access to my banking information. After completing these steps, I received the same error message again. Once again, no order confirmation was provided. Despite both transactions appearing to fail, Klarna charged my credit card twice {$140.00} each, totaling {$280.00} representing the first installment payment for XXXX separate Klarna financing agreements. These charges are visible in the Klarna app.…
Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3000.00} Date of Initial Transaction : XX/XX/XXXX XXXX Summary : I am disputing a {$3000.00} charge for a " Concierge '' career service that was never delivered. Despite the merchant 's explicit admission that they could not meet the advertised standards due to internal staffing issues, Klarna is attempting to enforce the debt based on a " non-refundable '' clause. This violates the XXXX XX/XX/XXXX interpretive rule regarding Buy Now, Pay Later ( BNPL ) providers ' obligations to investigate disputes and refund for non-delivered services. XXXX of XXXX : XX/XX/XXXX : Subscribed to the " XXXX '' package ( {$3000.00} ) promising custom resume rewriting, XXXX redesign, and XXXX training. XX/XX/XXXX : Provided all necessary proprietary data, including resume and login credentials. XX/XX/XXXX : First " deliverable '' meeting. The resume provided was grossly inaccurate, contained AI-generated filler text, and unfinished sentences.…
I am filing a complaint against Klarna regarding an incorrect balance they are attempting to collect for an XXXX purchase that was never successfully processed. On XX/XX/year>, I placed an order through XXXX using Klarna. The total charge in question is {$290.00}, associated with statement number XXXX. Klarna is now claiming I owe {$420.00}. I contacted XXXX directly and received it written confirmation that : The charge of {$290.00} was declined No funds were captured from my card No balance is owed for this order I provided this written confirmation to Klarna as requested. Despite this, Klarna ignored the proof and reactivated the balance on my account. Klarna is attempting to collect payment for a transaction that was never completed and for which no funds were ever taken. I have made multiple attempts to resolve this issue directly with Klarna by providing documentation and explanations.…
On XX/XX/year>, I purchased a {$960.00} airfare from XXXX XXXX for my daughter using my Klarna account. After Klarna applied interest for the purchase, the balance due increased to {$1000.00}. I subsequently canceled the airfare on XX/XX/year>, because of air-space restrictions in the region where we were planning to travel. XXXX processed a refund of {$720.00} ( at that time ) for the canceled airfare that was applied as a credit to my Klarna account. The next month, I received an email statement ( which Ive requested a copy of ) indicating the credit had been applied to my account and the balance due was approximately {$290.00}. When I attempted to make the monthly payment of {$290.00}, the app required me to pay the full {$1000.00} instead of the balance due after the credit had been applied. I reached out to Klarna to request the balance due be corrected, so they froze my account while they attempted to correct the problem.…
I purchased merchandise from XXXX using Klarna and returned the item in-store on XX/XX/year>. I reported the return through Klarna, and Klarna acknowledged the return and paused my installment payments. Since that time, Klarna has been waiting for the merchant, XXXX, to confirm the return. However, the merchant has not responded or completed the return confirmation process. I have made efforts to resolve the issue, but the merchant remains unresponsive. I have provided proof of return, and the merchandise is no longer in my possession. Despite this, the transaction remains open and unresolved. I am requesting that Klarna complete the dispute process and issue a full refund, as I should not be responsible for payments on returned merchandise.
I purchased a huupe interactive basketball system financed through Klarna. The merchant shipped a defective arcade stand component, making the product completely unusable. I reported the defect in writing to the merchant, returned the unit at their direction, and explicitly requested a refund not a replacement. Without my knowledge or consent, the merchant then shipped a replacement backboard to my address on XX/XX/XXXX. I never authorized this shipment and never agreed it would resolve my refund request. I filed a dispute with Klarna. In XX/XX/XXXX, Klarna closed the dispute in the merchant 's favor, stating that because a replacement was sent, my " problem is solved '' and I remain liable for the full {$630.00} balance. I have already paid {$110.00} toward this balance. Klarna 's decision is incorrect. A merchant can not ship an unsolicited replacement without consumer consent and claim a dispute is resolved.…
I am filing a complaint regarding a Klarna financing agreement tied to a purchase made on XX/XX/year> in the amount of {$890.00} for a service called XXXX ( merchant : KINNO Wealth / kinnomoney ). Within XXXX hours of purchase, I requested a full refund because the service was not properly set up and could not be used. The installation process was not completed despite spending over an hour attempting setup, and I was unwilling to provide sensitive account credentials required to proceed. Under the merchants own billing policy ( Section XXXX ), a refund is issued if setup and deliverables are not completed within XXXX days. The installation was never completed. I formally canceled the service, and the merchant confirmed in writing that my membership was canceled effective XX/XX/year>, and that no future charges or obligations remain.…
Klarna 's difficulty in reaching a live representative is notable. I accessed the app to research SCRA, and, unfortunately, it indicates that it is not a benefit. I find this difficult to believe, as every other company maintains a dedicated department for service members and their spouses. Is there any possible action that can be taken? This is a major corporation, yet their practices seem to be quite misleading.
I am filing a complaint against Klarna regarding an improperly handled dispute and the reversal of a previously issued refund for a defective product. I purchased a XXXX printer using Klarna financing in the amount of {$3500.00}. Shortly after receiving the product, I began experiencing ongoing issues that rendered the printer unreliable and, at times, completely non-functional. Since purchase, I have had to replace multiple parts, including the print head twice within just a few months. The product has not performed as advertised and has been unusable for extended periods of time. I filed a dispute with Klarna and initially received a full refund, indicating that Klarna found merit in my claim. However, Klarna later reversed that refund after relying on the merchants response, without properly considering the extensive documentation I provided showing repeated defects and ongoing failure of the product. Klarna then closed my dispute and reinstated the full balance of {$3500.00}.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I returned merchandise within XXXX week, XXXX it was delivered on XX/XX/year> ( confirmed by tracking ). The merchant delayed processing the refund for over XXXX days, which caused a late payment XXXX be reported inaccurately. I have provided documentation showing the return XXXX delay. I am requesting correction of this inaccurate reporting.
I am filing a complaint against Klarna regarding an unfair denial of access to their Pay Over Time service. I was denied based on what appears to be a single late payment and internal scoring criteria that do not fairly reflect my overall payment behavior. While I acknowledge that XXXX payment may have been late, I ultimately made the payment and paid off the remaining balance early, demonstrating that I am both willing and able to meet my financial obligations responsibly. Klarnas decision fails to take into account the full context of my repayment history. Instead, it appears their system disproportionately penalizes a minor issue while ignoring the fact that the account was brought current and fully satisfied ahead of schedule. Additionally, the denial notice relies on vague and generalized explanations tied to credit reporting and internal scoring models, without providing a clear or specific justification that reflects my actual behavior.…
I was not actively using my Klarna account for a period of time while I was away. During that time, several of my devices were stolen, and multiple of my personal accounts were compromised. As a result, unauthorized individuals gained access to my Klarna account and made purchases without my knowledge or consent. These transactions were not authorized by me. After discovering the fraudulent activity, I promptly reported the issue to Klarna and requested an investigation and refund of the initial payments taken from my account. Klarna responded by denying my fraud claim without providing sufficient explanation or evidence of a proper investigation. Despite reiterating that these were unauthorized transactions caused by account compromise, Klarna has continued to hold me responsible for the charges and has escalated the matter to collections.…
Emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree to, and I didnt sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didnt follow the proper XXXXstep validation procedure. According to the FDCPA, I am entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Account was XXXX and XXXX
I placed an online order through XXXX XXXX XXXX online using the Klarna option on XXXX XXXX. That order was set up to charge through XXXX XXXX XXXX for {$54.00} ish dollars a month. Well on XX/XX/XXXX, XXXX XXXX charged my card again for the same order that was placed on XXXX XXXX for the amount of {$370.00} and some change. I only ever received one XXXX XXXX XXXX order and i'm paying it monthly but now I'm also paying that same order bi weekly. There is no information or no tracking number or anything at all showing a second order was ever placed or ever shipped!!! Why would I place an order for the exact same products ... nobody on either side will actually look into this and hellp me. I can not afford to be out almost {$400.00}. I have paid XXXX biweekly payments now in the amount of over {$280.00}. Now they want another {$94.00} payment for an order I did not receive!!! I am crying as I type this as it is so unjust.…
I made a purchase in XX/XX/XXXX using a company called Klarna. I didnt receive any of the items from my order, but for some reason said I still have to pay for one of the items. So they refunded me my down payment supposedly in XX/XX/XXXX, but I dont have that refund. It never showed up at my bank so I gave them copies of my bank statements for XXXX and XXXX showing that Ive never gotten that refund and they dont seem to care they keep saying that the refund was given back to me yet. I dont have that refund at all. Now theyre trying to charge me another {$230.00} for an existing balance that I shouldnt have to pay because I havent gotten my money back that money refund that I was supposed to get was supposed to cover that and still give me some money back its messing up not only my credit because theyre reporting it as if I havent made a payment and they keep trying to pull it from my bank and theyre about to make me go overdraft.
Klarna presented the application process as if I was already approved for monthly payments. Multiple screens stated or strongly implied approval, and at no point was it clearly disclosed that this was only a pre-approval or that approval was still pending. Because of this deceptive presentation, I proceeded through extremely invasive verification steps, including providing my Social Security number, bank login, bank records, drivers license, and a facial scan. Only after completing all of these steps did Klarna deny the application. Had I known I was not actually approved, I would never have provided this level of intimate personal information. No legitimate lender requires this depth of data before approval, and it is not normal business practice. Klarna should not be allowed to collect or sell such sensitive data under misleading pretenses.
To Whom It May Concern, I am writing regarding an alleged debt that your company has attempted to collect. At this time, I have no knowledge of any such account and have not received any prior written notice containing details of this alleged debt. I formally dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to provide proper validation of the debt. As of today, I have not received any documentation from your company that identifies the account, the amount owed, or the original creditor. Accordingly, I request that you provide full validation of this alleged debt, including : The name and address of the original creditor The account number associated with the alleged debt The full amount of the alleged debt, including an itemized breakdown of all charges Copies of any contract, agreement, or documentation bearing my signature that establishes my responsibility for this debt Proof that your company is authorized…
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX comforter set ( Order # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX for {$110.00}, using a Klarna Virtual Visa card. XXXX 's contact information was unresponsive to phone calls. I contacted XXXX for return instructions online but received incorrect information. I visited XXXX XXXX locations in person and received directions from security guards to a XXXX store in XXXX XXXX, LA, where I returned the items. XXXX acknowledged the return of the items in my account on XX/XX/XXXX. The Klarna card was refunded {$98.00} on XX/XX/XXXX. However, Klarna refuses to remove the charges and continues to attempt to collect money from my bank account, adding late fees. This has affected my business through XXXX XXXX and is causing a hardship. I reached out several times and received inconsistent resolutions from AI and live agents.…
I am submitting a formal consumer complaint against Klarna for failing to return funds that were refunded by a merchant and for providing misleading information regarding the status of that refund. On XX/XX/year>, XXXX confirmed that my reservation ( Confirmation # XXXX ) was canceled free of charge, with a total cancellation cost of {$0.00}. XXXX further confirmed that a full refund of {$1800.00} was issued to Klarna and provided an XXXX XXXX XXXX ( XXXX : XXXX ), which is a traceable transaction identifier within the payment network. Despite being provided with this XXXX, Klarna has repeatedly stated that they have not received the refund. This claim is inconsistent with standard payment processing practices, as an XXXX allows the receiving financial institution to trace and locate the transaction. Klarna has failed to demonstrate that a proper trace or investigation has been conducted.…
b"Subject: Formal Fraud DisputeXXXX Transaction(Order Reference XXXXDate XXXX XXXX XXXXTo Whom it My Concern,\n\nI am writing to formally dispute a transaction financed through XXXX for purchase with the merchant XXXXOrder ReferenceXXXXOrder Date: XXXX XXXX XXXXAmount FinancedXXXX have never received the product associated with this purchase. The merchant has not provided any shipping confirmation and repeated attempts to contract the company by email have gone unanswered.\n\nAfter Reseach this company further, I discovered numerous complaints from other consumers reporting the same experiences-being charged by XXXX but never receiving no repsponce form the company or keeping their money.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I contacted Klarna on XXXX for help with multiple loans with them from purchases at stores. I needed help due to medical reasons I am off work on XXXX with XXXX of my pay. They advised they could combine all of the loans into one hardship loan and extend payments over an 18 month timeframe. Payments are to begin on XX/XX/XXXX. I contacted them again on XX/XX/year> because a family member gave me the money to pay the entire balance instead of doing the 18 month loan payments. I checked the app and website and there was no where for me to make a payment. I talked to them via chat and also called them. Klarna refused to take payment in full or any early payments. They claim I have no choice but to have the 18 monthly payments taken out of my checking account and they will not let me pay off the loan! That means they are holding me hostage for 18 months & collecting interest. On top of that my credit is being affected as a hardship loan when in fact, I can pay it off right now!…
Received a text from XXXX stating I owe {$15.00} XXXX Klarna on XX/XX/year>. Spoke with XXXX in the past XXXX let them know I have already paid this debt directly XXXX Klarna. Spoke with XXXX XXXX today,XXXX ( XXXX & XXXX XXXX XXXX let them know the debt had been paid XXXX Klarna. Spoke with Klarna XXXX they can not find anything. Klarna will not reach out XXXX Indebted XXXX today XXXX is sending something XXXX XXXX signed back up with Klarna today just XXXX get this resolved. Will not use Klarna in the future as before their customer service is severely lacking.
I financed an {$11000.00} online course through Klarna to purchase a XXXX automation program sold through XXXX after participating in a sales call. During the call, the salesperson emphasized the potential to earn significant monthly income from automated XXXX channels and presented the program as a proven system. After participating in the program, I believe the service was misrepresented and does not match the claims made during the sales process. I have paid approximately {$5000.00} toward the loan and still owe the remaining balance. I contacted Klarna to request that the loan be reviewed and disputed because the financing was obtained as part of a high-pressure sales process with misleading income claims. Klarna informed me that they could not open a dispute due to the time elapsed, even though the loan is still active and I am still required to make payments.…
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