Business Profile

Payment Processing Services

Klarna Inc.

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Klarna Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

2,648 total complaints in the last 3 years.
984 complaints closed in the last 12 months.

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Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Klarna gave me a 300$ credit for purchases. Plus I added 50$ of my own money to the balance. Klarna is not letting purchases go through. Also they are not letting me access the 50$ I put on the account. I called customer service twice and they are saying I can't make the purchase so the money I put on the card can't be used for anything. I asked for a refund of my money and they are refusing this. Why have a 50$ credit from me when they are preventing me from access to this. This is fraud! And false pretences.
Business Response
Date: 05/19/2025
Hello ********,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your Klarna Balance.

We understand that you're reaching out in regards to having the $50.00 that you deposited into your Klarna Balance refunded - we're happy to provide some additional information for you.

Funds deposited to your Klarna Balance are meant to be used for goods/services that are ordered through Klarna, or applied to any existing outstanding balances that you have with Klarna. The funds that are added to your Klarna Balance are nonrefundable and also cannot be redeemed for cash.
You can view the Klarna Balance Terms and Conditions here: ****************************************************************************************************************************

At this time you are not approved for any payment plans due to personal credit history. To use these funds, you will need to make a Pay Now order, meaning there is not a payment plan. This is able to be done by making a purchase no greater than $50.00 with a partnered merchant. If the purchase is more than $50, you are able to add the exact amount that is over $50 and that will get your order purchased and the Klarna Balance fully cleared out. To identify a partnered merchant, a pink 'K' is placed on the merchant's logo. You are able to review those here: *********************************************************** Thank you and have a great day.
Business Response
Date: 05/19/2025
Hello ********,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your Klarna Balance.

We understand that you're reaching out in regards to having the $50.00 that you deposited into your Klarna Balance refunded - we're happy to provide some additional information for you.

Funds deposited to your Klarna Balance are meant to be used for goods/services that are ordered through Klarna, or applied to any existing outstanding balances that you have with Klarna. The funds that are added to your Klarna Balance are nonrefundable and also cannot be redeemed for cash.
You can view the Klarna Balance Terms and Conditions here: ****************************************************************************************************************************

At this time you are not approved for any payment plans due to personal credit history. To use these funds, you will need to make a Pay Now order, meaning there is not a payment plan. This is able to be done by making a purchase no greater than $50.00 with a partnered merchant. If the purchase is more than $50, you are able to add the exact amount that is over $50 and that will get your order purchased and the Klarna Balance fully cleared out. To identify a partnered merchant, a pink 'K' is placed on the merchant's logo. You are able to review those here: *********************************************************** Thank you and have a great day.
Initial Complaint
Date:05/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On February 27 I purchased 3 pillows from Homegoods ( ***********, ** ) Totaling $79.94 through thr Klarna App. March 2, I returned all 3 pillows to Homegoods w/the Reciept (*********, **) I went directly to the store, returned it and got my receipt which the computers can read the original transaction and find the paper trail of the return transaction.. whenever I have a return to Amazon and I've used Klarna my money is back immediately which tells me Klarna won't play games with ****** or their customers.
After a while, I noticed that my money did not go through so I reached out to Klarna and they said that they weren't aware of it . I had to email ********* to email me proof of the return which they gladly did and let me know that they have issues with Klarna being transparent and giving back money. Klarna and I spoke with someone at length and they told me that someone would call me and request proof of my receipts The gentleman on the phone at the time could not take the information..
I have an email from Klarna saying I have reported a return March 29 which is 27 days after I did the return, it says I pause my payments and they're waiting for the return to be processed. I reached out again to them in April and it says they are reviewing my case. I have uploaded and sent them every receipt as documented proof and today on May 17, they are saying they refunded me $50.83 from another transaction that makes absolutely no sense is not tied to the HomeGoods total of $79. 94 , and they have turned off the pause and want me to continue to pay the remaining balance of $39.98 of products that I don't even have and we're returned on March 2. Purchase & Returns leave a transaction & Auth # w/date , Time & location. They are dishonest by acting as if I have not done the return even when I've submitted documentation of the Reciepts via email , The credit of $50.83 from a blue mercury could only mean I created a card and didn't use it within 24 hours .
Business Response
Date: 05/19/2025
Hello *****,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Home Goods (3TJC6GK1).

After researching, we see that the refund meant for this order was issued to your order 410TNLD1 with Blue Mercury. When the refund was issued by the store, it was directly issued to the virtual card connected to your virtual wallet. Therefore, the refund was issued to the latest created virtual card at the date and time of the refund, which was used for a different order.

Since order 410TNLD1 was canceled out, it generated an over refund of $50.83 which was processed on March 10. We can confirm that the due refund has been issued to the card linked to your Klarna profile at the date and time the refund was processed. No additional refunds are due as it cleared your Blue Mercury order and the over refund amount was refunded directly to your card. The $50.83 is to be applied to your Home Goods order and the remaining amount is to pay for the Blue Mercury order. We consider this matter resolved and no additional refunds are due. Thank you.
Customer Answer
Date: 05/25/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23345559

I am rejecting this response because:

Regards,
Klarna is dishonest, Ashish cust rep.stated in his email to me 5/21 that the refund of $***** for order 3JTC6GK1 was refunded to me on the order 410TNLD1 which was a card that was created March 3rd @5:57pm for $35 that was CANCELLED & never ******** can a refund of $ *****. be credited to my account that ********************** stated Homegoods usually registers returns in 8 days when the return happened on March 2, 2025 @ 4:02 pm AUTH#****** & Approved ************. And yet after sending KLARNA the Email from HOMEGOODS w/ proof of receipt of a return On March 2, 2025, then lie and say HOMEGOODS Accepted my RETURN on May 17 Which falls 2 days Conveniently after The timeframe that I would be able to return it ( MAY 15th) Which then they would say I returned it too late I forfeit my credit they are lying. Transaction 410TNLD1 was a Klarna card I created for $35 to be used in Bluemercury on May 3 that was canceled, So when they say they credited me $***** for a $35 Klarna card that was canceled is dishonest in lying.
They want to profit off of my $***** that I clearly returned on March 2 to the *********, **********, HomeGoods. ********* has the 3 pillows that are returned per proof of the return receipt while Klarna Is lying saying the $ ***** was credited to a $35 card I created that was never utilized for Bluemercury that I cancelled. Its dishonest, stealing money And Speaks to their lack of ethical standards. I can guarantee you I am not the only person they have done this too. Im just the person that is fighting to get my money back From an unethical company that has no Standards .Interestingly enough, I purchased several things from ****** totaling $76.83 Thursday, May 15 and had to make a return a few days later I was not required to report it on the app However, klarna quickly refunded me $19.14 For the return item and my new total was $58.79, Its evident Klarna will not mess with ****** or its customers because they know ****** is quick to refund Money and will not cause any issues with ****** or their customers when it comes to refunding their money because they know if ****** cut them off it would hurt their business.
***** *****-******
Business Response
Date: 05/27/2025
*****,
This was correctly refunded as previously explained. You are welcome to give our customer service team a call using ************** if you will like to further discuss this matter. Thank you.
Customer Answer
Date: 05/28/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23345559

I am rejecting this response because:
Klarna, is not acknowledging with proof of a receipt emailed to me documenting The return was done on March 2, They have commingled two different orders!
ORDER #3TJC6GK1 HOMEGOODS
MADE ON FEB 27 & RETURNED MARCH 2 w/RECIEPT of the purchase and return from HomeGoods w/ receipt.
KLARNA Is lying and saying the return was done on May 17 which is two days After that window of time for me to return the pillows.
Order# ***TNLD1 was a in store card I Created to be used on MARCH 3rd for $35.0 in Bluemercury that I canceled and never used. Yet if you look at what they are saying and they put on my app, they credited me $79.94 For that order that was $35 that was never utilized and was canceled. First, why would a company credit me $79.94 for a Card I created for $35 for a completely different company that was canceled and never used. Its illogical.
Theyre getting annoyed that Im emailing them, but they refuse to acknowledge that they are lying and trying to cover up the fact that they dont want to give me my money back and want to continue to charge me even after HomeGoods has emailed the receipt to me and I forwarded it Onto Klarna As proof, which ironically they really dont need because I already told them when I place an order with Amazon which I did recently and had to return one item. I never have to go on my app and report the return ****** quickly put some money back into the card that I created on Klarna, and its refunded to me quickly . I did send an email to Klarna letting them know they never struggle with giving money back from a return from ****** when their card is used because they know that ****** would drop them quickly if they ever gave their customers and issue with refunding their money and trying to lie they would lose that platform and it would hurt their business tremendously . Klarna Just keep saying that I can call them and we can discuss it Which is the message I got on the BBB response to just give them a call. Im done talking with Klarna. They owe me my money and theyre about to charge me another $19.98 for products that I do not have and they were returned on March 2. I cannot pay $79.94, ********* has their product back. They got it within three days and Klarna is holding onto my money the first two payments and not willing to be honest and have some integrity and give me my money back for the first two payments. They owe me May 30. Theyre trying to charge me the third installment and its not right. I need someone to advocate for me. Please help.

Regards,

***** *****-******
Customer Answer
Date: 05/29/2025
To whom it may concern,
I am not clear as to the response I am getting w/all the documentation I have sent in . Klarna is NOT providing any documented proof that I have been credited & its not on my bank statements.
I've uploaded multiple times proof of the purchase receipts the returned receipt and Klarna being misleading telling me they credit me $79.94 on a canceled card. There was never utilized for $35 for Bluemercury which is another order. It makes absolutely no sense. ********* has supplied via email and I've uploaded it here on this app proof that it I returned the 3 pillows Totaling $79.94. There is documented proof and I don't understand why I'm not being supported and chlorine is not being held accountable for lying. They're blatantly lying.
And the only option they're giving me is to call their customer service, which is a runaround circus of nonsense because that's how I started this process. I called them. I explained it to someone explaining it doesn't mean anything because they then tell me someone will email me within a week to get proof I've already been down this road and I have done it and I submitted Proof of the purchase and the return and proof that they're mingling two different orders. I don't see the disconnect how anyone does not understand understanding that they are stealing my money.
Business Response
Date: 05/30/2025
*****,
The order was already refunded correctly. As a courtesy we have written off the remaining balance of all of your orders ($65.94). No additional refunds or credits are due. There are no active orders on your account. Have a great weekend.
Initial Complaint
Date:05/16/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I used Klarna to make a purchase though **********. I wanted to return the item to ********** and they informed me that to return the item myself and they would reimburse me the shipping cost but the cost could not exceed the cost of the item itself which was $135 and the shipping cost was $400.
I filed a claim with KLARNA 3 times and they keep telling me I need to handle it with ********** when they are telling me it’s already been a chargeback but Klarna has not provided me with any credit or refund.
Business Response
Date: 05/19/2025
Hello ******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with ********** (********).

At this time this is disputed and will be handled by our Dispute Resolution team. They are waiting for the merchant to respond to your dispute as they have 14 days to do so. We are unable to expedite this process. You will be updated via email from Disputes Resolutions once they have either concluded the investigation or need any additional information from you. In the meantime the payments are paused. We hope this addresses your concerns for the time being. Have a great day.
Customer Answer
Date: 05/19/2025
The company keeps telling me to check with them for the chargeback and no charge back has been given.

Regards,

****** ******
Business Response
Date: 05/20/2025
******,
This is being handled by our Disputes Resolutions team. Once they receive a response from the merchant they will email you directly in which you can provide any additional information and/or evidence if need be. Thank you.
Customer Answer
Date: 05/20/2025
They are asking me to reach out to company for status of refund and chargeback but company is telling me to wait on other company

Regards,

****** ******
Business Response
Date: 05/21/2025
******,
This is currently disputed and our Disputes Resolutions team is waiting on a response from the merchant. Once they have one, they will further the dispute communication via email. Thank you.
Initial Complaint
Date:05/16/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On February 28, 2025 I used KLARNA to pay my T-Mobile bill in the account of $173.00.
On 3/01/2025 I received my new bill from T-Mobile.
On 3/11/2025 I called T-Mobile to inquire about my account and to dispute the charges.
On 3/12/2025 I was contacted by ***** ******* (Sr. ************ Team CEO. Who informed me that she would be my direct point of contact regarding this matter. Ms. ******* informed me that she would be crediting and restoring fees billed to my account. ******** agreed to apply a credit to my account in the account of $281.00. I informed KLARNA that I had been refunded and requested a refund for the two $43.00 payments made via KLARNA. I also requested that the T-Mobile charges be canceled being that T-Mobile already credited my account and I would not need to use KLARNA for the payment. KLARNA asked for proof of this. I sent them the emails I received from ******** stating that my account was ************************ and payment was restored however, Klarna refused my request even with written proof from T-Mobile and took a third payment of $42.75 from my account. They also have a date set for May 23, 2025 for an additional $42.75 to be charged to my account after explaining that T-Mobile has refunded me for the charge. I informed KLARNA that I will be reporting this a a form of fraud and seeking litigation if necessary.
I do not want to talk to anyone on the phone. All correspondence needs to be via email or **** mail.
Business Response
Date: 05/19/2025
Hello ********,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with T-Mobile (BW8XR82J).

After reviewing your evidence, the merchant has not processed a refund to the one-time card (Klarna), therefore the order remains active and owed. The documentation suggest you were credited on your service account, which does not qualify as a refund. As you were compensated for the funds, the remaining balance of $42.75 is due. Thank you and have a great day.
Customer Answer
Date: 05/22/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23338950

I am rejecting this response because: my documentation clearly shows I have been credited for the amount. I will be seeking legal assistance and reporting as a form of fraud. These services will also no longer be used.

Regards,

C ******** *******
Business Response
Date: 05/27/2025
********,
Klarna will need to be processed a refund. The merchant decided to credit the order, in which you still are being compensated. We are not able to excuse your debt until the merchant provides a refund to us. Thank you.
Initial Complaint
Date:05/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I purchased an item from ****. **** investigated and found the seller was doing wrong and incorrect transaction. The seller has been barded from doing business with ****. I went to the post office to obtain the same information that was given to **** and Klarna and for some reason Klarna stated the information was incorrect. I'm submitting the address in which was given to me as a return address. I'm requesting all my monies to be returned. The seller will not keep the product and my money. Please investigate this matter. I have attached the return information. If this matter is not resolved I will seek counsel.
Business Response
Date: 05/16/2025
Hello ********,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding refund for the order with **** (********).

We have reviewed the dispute and we did not receive the requested information or the refund from the merchant. At this time please provide a return receipt showing the refund was processed back to Klarna at this time. Once received, we will adjust the order accordingly. Thank you and have a great day.
Business Response
Date: 05/21/2025
********,
We have reviewed your attachments and there is no return receipt or communication from the merchant explaining the status of the refund. Without the merchant returning the funds or you providing further information from the merchant via screenshot from email/chat, we are not able to further assist and you must follow the dispute process. Thank you.
Customer Answer
Date: 05/27/2025
*****************
this has merchant found to be bared permanently from doing business with **** due too many complaints and fraudulent practices/activity. I should be held responsible for this merchants illegal practices. It's Klarna responsibility to contact **** concerning this issue. This person will not keep my money and the product.
I sent my proof and the postal service stated they did deliver to the address given. It's not right or fair to allow this person to keep my funds and have the product. I sent my information and it has been confirmed by postal service. I have never felt with a company that will not refund your money with all the confirmed proof. My next steps is to take legal actions on this company. It's not my issue that this crooked merchant won't reach out, that should tell you something. I glad **** is backing me up.

Regards,

******** *******
Initial Complaint
Date:05/15/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid my remaining balance on my Klarna payment on April 16, however I went to check my Klarna account again, it states that my payment has been paused and they took away my payment that covered the remaining balance.

I’m confused on what this problem is that paused my payment and took away my payment that covered my remaining balance. I talked to a representative and they told me that the payment has been processed and it might take 90 days to settle which is insane, just needed a clarification and remaining payment to be closed
Business Response
Date: 05/16/2025
Hello *****,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the payment with your ****** **** order (********).

We have reviewed the matter and the $27.17 payment was charged back by your bank. As this is currently under dispute, we are not able to close out your order. If your bank wins the dispute, they will return the payment to you and the balance will remain. If Klarna wins the dispute, it will apply to your order and close it out. You are welcome to make a new payment and if the other is returned to Klarna, we will process a refund to the original payment method. We are not able to expedite the dispute process. Thank you and have a great day.
Customer Answer
Date: 05/16/2025
I accept the business's response to resolve this complaint.

Regards,

***** ***
Initial Complaint
Date:05/15/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On December 4th I made a purchase at *************** through Klarna, my total was $1,184.75. On March 3rd due to unforeseen circumstances I had to cancel my airplane tickets from *************** and I was entitled to a full refund. March 6th I received an email from *************** indicating Refund had been processed and depending on how I purchased my ticket the refund would be sent back (which was Klarna), I allowed a month to pass and I still did not receive my refund. I reported a problem on the Klarna app requesting a refund in which I had to provide proof of the refund sent by *************** (attached). I requested to speak to a customer service representative on April 18th and it was through the Klarna chat. The agent said since the issue had just been reported on the 3rd, I had to allow 30 days for resolution. In the meantime I had not received any refund yet. I checked the Klarna app and noticed my reported issue had been declined. I then called *************** and they confirmed the money had been refunded since March 4th back to same form of payment (Klarna). I then asked to verbally speak to an agent on May 2nd. Unfortunately I did not get his name as he indicated his call notes would reflect in my account and any other agent can view them. The agent advised me that partial of the refund was sent back to me through another account (CITYPASS) that I also purchased through Klarna, total was $422 which I can confirm I did receive back. There was an additional $51 refunded back to me totaling $473.75. Therefore agent confirmed there is a total of approximately $711.25 owed back to me. He then stated he would escalate the issue. I then called again today May 15 since it's been 2 weeks and I have yet to receive the remaining balance of my refund. I called and spoke to ***** and she couldn't help me, she said she cannot see any refund from *************** and that I need to call them and request my refund. She could only assist me in making another dispute.
Business Response
Date: 05/16/2025
Hello ******,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with *************** (TJ4KDNT0).

At this time we have not received a refund to the one-time charged ending in 5529. Please provide a return receipt showing where the refund was processed. If this was not provided, please reach out to the merchant via chat/email and screenshot the conversation confirming the refund amount and destination, meaning the last 4 the refund was processed to. Once received and approved, we will adjust the invoice accordingly. Thank you.
Customer Answer
Date: 05/19/2025
Good afternoon,
As per request, please find attached copy of email receipt of refund from *************** along with chat conversation with them confirming refund was sent and to what card#.
Please process my refund request accordingly.
I appreciate your attention to this matter.
I hope to hear from you soon and that you help me resolve this issue.
Thank you.
Customer Answer
Date: 05/20/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23334418

I am rejecting this response because:
Good afternoon,
As per request, please find attached copy of email receipt of refund from *************** along with chat conversation with them confirming refund was sent and to what card#.
Please process my refund request accordingly.
I appreciate your attention to this matter.
I hope to hear from you soon and that you help me resolve this issue.
Thank you.

Regards,

****** *****
Business Response
Date: 05/20/2025
******,
Thank you for this information. After reviewing the newly submitted information, we have fully refunded the order. Please allow 1-7 days to see the refund reflected back to its original form of payment. Thank you and have a great day.
Customer Answer
Date: 05/20/2025
Thank you I appreciate your assistance.

Have a great day!
Customer Answer
Date: 05/20/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

****** *****
Initial Complaint
Date:05/15/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Date of transaction was 05/07/2025. I brought an Iphone through ********** ***** Klarna. The coat of the item was 1101.83$. I was informed that the item will arrive on the 8th of May. However it is now the 15th of May and the item hasn't been received not by me or to UPS. I have gotten the runaround without no resolution. They have referred me to UPS and UPS doesn't have the Item. ********** ***** Klarna gave me a tracking number which shows label made but no merchandise was given to UPS. The tracking number is ******************. The merchant reference number ********** Klarna order number is ********. I have been getting the runaround. I asked to cancel item and no cancelations done. They find no solution and I already brought an apple watch for this iPhone which I haven't received. Both of these companies have not offered a replacement or know where this iphone is.
Business Response
Date: 05/16/2025
Hello *****,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with ***** from Klarna (********).

We have reviewed your concern in regard to not receiving the order. As of May 15, the merchant has processed a full refund of $1,101.03. As no payments were made on the order, no refund will be processed. The order is no longer active on your account. We hope this fully addresses your concerns at this time. Thank you and have a great day.
Customer Answer
Date: 05/16/2025
I accept the business's response to resolve this complaint. They have removed the item and cleared the bill.

Regards,

***** **********
Initial Complaint
Date:05/14/2025
Type:Sales and Advertising Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been a long-time user of ********************** and have consistently had Ohio **** benefits applied to my purchases without issue. Since Klarna does not have a standing program for service members, *** always had to submit a request for each individual purchase, which Ive done successfully in the past.Recently, however, I made a purchase and reached out to have ********* applied as usual. Initially, I was told there were no qualifying purchases on my account. I provided both a screenshot and the reference number for the specific purchase, after which Klarna responded by stating that I did not qualify because the benefit only applies to accounts opened prior to my active duty start date.I clarified that I was applying under the Ohio SCRA guidelines, not the federal SCRA, and provided a reference number from a previously approved ********* request. Despite this, the responses I received continued to repeat the same incorrect information without addressing the specific details I had provided.
Business Response
Date: 05/20/2025
Hello Diamond,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your SCRA benefits.

At this time we have credited all interest on your terms loans and removed all fees on your one-time card orders. Below we have provided an update in regard to each of your 6 active orders. We hope this addresses your concerns in full at this time. Thank you and have a great day.

12SWV81G ******** Credited interest $154.32
SBQMV1WB (Ticketmaster): No interest or fees associated
3NTN1GR1 (*****************): Credited interest $137.54
4SM089S9 (Bis Travel): No interest or fees associated
KR4LWTXC (**************): No interest or fees associated
N10D6Q5H (Agoda): No interest or fees associated
Customer Answer
Date: 05/20/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

Diamond *******
Initial Complaint
Date:05/14/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to request the removal of an account from my ********************** report. The account in question is associated with Klarna and has negatively impacted my credit score due to a 30-day late payment alert. I have attempted contacting Klarna customer support.I purchased a subscription from ******* on February 21st and the Klarna option was available. I did not have my wallet so I chose that option. I linked it to my debit card on my ****** profile, as I do for all things purchased online. The payments were to be in 3 payments. I did not realize there was an issue until I received a credit report alert to a 30 day late. It was for Klarna.Upon receiving the alert, I immediately had Klarna customer support call me. I explained that the payments never hit my bank. That I have alerts on my bank account and overdraft protection, which was never used. I immediately paid the balance, with the same card used originally. He said they only report to the credit bureau when an issue occurs. I kindly request that this account be removed from my credit report, as the payments were never attempted at my bank. This incident has caused my credit score to drop by 80 points, and I am currently in the process of refinancing my home. The negative impact on my credit score may cause my loan to fall through. The balance has been paid in full, and I do not plan on using Klarna's services again. I would greatly appreciate your assistance in removing this account from my ********************** report to prevent further negative consequences.Thank you for your understanding and prompt attention to this matter.
Business Response
Date: 05/15/2025
Hello ****,

Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with *********** (6J6LQ26X).

We have reviewed your concern and at this time we can see the order did not receive payment until May 14. As the 3 month term loan was made February 21, the first payment was due March 21. As we did not receive a payment after several attempts and notifications, it was added to your April 21 payment. As the same thing occurred, the order was then due in full once the April 21 payment failed. Your order was in default therefore any credit marks made are accurate. You are welcome to dispute them but we are not able to remove those. The order has now been settled as we received your payment of $143.27 on May 14. Thank you and have a great day.
Customer Answer
Date: 05/15/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23330063

I am rejecting this response because: I never received notification of a missed payment. The payment method that I had on file was never used to make the required payments. The payments were not presented to my bank. The only time I was aware of any missed payments was when the account showed up on my credit report. I then contacted Klarna customer support, who would not give me their name when I asked to have it repeated and would not let me speak with anyone else. They stated that there wasn't anything else to do so no need to speak to anyone. I paid off the account, using the same payment method on file. I don't the payments were ever processed. I feel that this service is deceptive considering how customer service is handled.

Regards,

**** ********

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