Complaints

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

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• 

  Klarna Inc.

  800 N High St Ste 400 Columbus, OH 43215-1430

• 

  Klarna Inc.

  PO Box 8116 Columbus, OH 43201-0116

• 

  Klarna, Inc

  P.O. Box 206487 Dallas, TX 75320

• 

  Klarna Inc.

  821 Broadway Fl 11 New York, NY 10003

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:04/23/2025

  Type:Customer Service 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 reached out to Klarna a couple of times about my account.I tried using ******* wont work & I dont owe anything & even after I speak with a *** from Klarna it still dont work but its showing I have spending power.I been having this issue for sometime with Klarna.I asked for managers as well & I was told that I got to wait for a manager to call & I never received a call or anything.Thanks

  Business Response

  Date: 04/25/2025

  Hello *******,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your ability to use Klarna.
  
  At this time we have reviwed your denied purchases, the most recent is from October 2024. We weren't able to approve the purchase due to credit history, but that decision has not affected your credit score. This is an automated decision that no one is able to change.
  
  Your purchase power is not available at this time as the credit profile pull did not provide all info needed by the automated system to evaluate a potential purchase power. Please contact ********** directly to ensure all of your information is up to date and matches what is aligned on your Klarna account before trying again. Thank you and have a great day.
  
  Please refer to our FAQ to learn more about what information is used when we make our lending decisions.

  Customer Answer

  Date: 05/07/2025

  My credit file has the correct info I was told this from Klarma numerous times back that my info is correct on my Transunion credit file.There was a spending power and now its gone.I tried a transaction & it didnt work with spending power with Klarna.The info is correct with Transunion.Please fix the issue with Klarna.Thanks

  Business Response

  Date: 05/08/2025

  *******,

  As this is an automated process, our automated system was not able to pull the information needed or the information does not match what is on file with Klarna. We suggest trying again in 72 hours as any updated information can take a few business days to update in the third party's system. 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: 23243197
  
  I am rejecting this response because: 
  
  Regards,
  
  *****************************

  Customer Answer

  Date: 05/15/2025

  I spoke with Transunion already,I dont have a freeze or any blocks on my ******* personal information is ********** Transunion file is viewable.Thanks

• Initial Complaint

  Date:04/23/2025

  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 have a purchase through Klarna. I asked for a payment date change. The representative told me he could not change the date but could offer a Financial Hardship program. I agree. My payment at the time was $35. Fast forward to now and it is $135. I have been dealing with late fees, late notices, and threats of possible defaulting. I spoke with dozens of “Representatives” and “Specialist” always ending up with the excuse “wait 72hrs” and “I can’t access you account while it’s on hold”. If you ask them anything “their system cannot be changed”.

  Now that I’m 2 days out from having to pay, they could access the account to tell me they can’t change their system. I have proof they said not fees or interest would or should be charged. Now they are saying I did receive fees but the system won’t let them help. Seems like the system doesn’t exist. I just want the fees and interest accrued to be waived. I would have never agreed to the program had I know it would turn into this. I also think my account should be on hold again until this is figured out. I have added photos of past and present misleading information.

  Customer Answer

  Date: 04/28/2025

  ********* **** <***************************>
  Attachments
  7:24 AM (6 hours ago)
  to disputeresolution
  
  
  Hello,
  
  
  I am attaching my recent conversation with Klarna. The issue is that the stacked my payments. My payments were $35 before the Hardship pause. Now the payment is $135 and I cant afford that. I asked for assistance since they messed it up and they offered a hardship pause again.
  
  
  Thank you,
  
  
  ********* ****
  

  
  

  Customer Answer

  Date: 04/30/2025

  From: ********* **** <***************************>
  Date: Tue, Apr 29, 2025 at 8:54 PM
  Subject: Re: Ref: 23240270
  To: <**********************************************************************************************>
  
  Hello,
  
  I am providing more evidence of the miscommunication and redirection I have been receiving. They are now saying they will charge me $760 next. Their excuse is that all the interest for the 3 months was added to my payment. Before my Hardship Pause my payment was $35. I was on a pause for 3 months. Interest is $14.62 x 3 = $43.86 + $36 ? = $79.86. How did my payment end up at $135 without any other fee being issued? Every time I bring anything to their attention they send me to a specialist.
  
  Thank you,
  
  ********* ****

  Business Response

  Date: 06/25/2025

  Hello *********,
  
  After reviewing your order we can see that the installment failed more than once. Here at Klarna, once a payment fails twice, the failed installment amount is automatically applied to the next scheduled installment. This is to ensure that the customer does not fall behind on their payments. At this time, we are unable to "unstack" these installments. 
  
  

• Initial Complaint

  Date:04/22/2025

  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 4/9/25 I was scammed by an airline travel website that routed my entire transaction through at least three different companies. I went to the website fly-scanner.com to search for airfare for myself and my four children from Salt Lake City airport to Atlanta, GA airport for May 2025. The website is an aggregate site similar to popular sites like ********* or *******, it just scans all the airlines with the cheapest flights and fares, and then gives you a list of options to pick from. Each of those options is a different website that will take you to book the airline tickets.

  The fare that I clicked on took me to a website called faresoflights.com where I proceeded to check out and book the flights operated by ***** ********.
  
  When I clicked submit to book the tickets using my $565 Klarna card for which this dispute is about, I never actually received any sort of airline tickets in my email or 6-character confirmation number from the airlines. About five minutes later, I got a suspicioius email from cheapflightservice.com that I would receive my tickets within 4 weeks.

  Then within a couple minutes after I got a call from someone with an Indian accent claiming that I needed to pay them more money on top of the 565 for a total of $600 that covered “fees”. He said I had to reply to the email that I agree and I would receive a receipt within 24 hours and airline tickets within a week of my travel dates.

  Everything at that point was very weird and I was feeling very skeptical.
  
  I waited about three or four days and then called and emailed asking for a full refund and then I didn’t trust their service and felt like it was a scam. They emailed emailed me a confirmation that I would be refunded within 15 days. This company is an absolute scam and rips people off. I am now almost 15 days into this with no refund

  . I tried to report this 3 times to Klarna and they continually close my dispute and reopen my payment plan. I have frozen their transactions with my bank.

  Business Response

  Date: 04/28/2025

  ******,

  For clarification, there will not be a refund as this has been disputed. It will be returned to you once the dispute process has concluded. The order is no longer active or due at this time. Thank you. 

  Customer Answer

  Date: 04/28/2025

  Your system tried to charge me AGAIN today. I want my first payment refunded immediately. You have all the evidence you asked for. The company scammed me, ignored my request for refund, and threatened to block my number if I called again.  Your own Klarna agents told me ok the phone I am protected by Klarna’s Purchase Protection Guarantee. I want a refund ASAP.

  
  
  Regards,
  
  
  
  ****** ********

• Initial Complaint

  Date:04/22/2025

  Type:Product 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.

  For the past 30+ days I have been fighting to get a refund from Klarna for a top-up purchase to the amount of $93.00, since March 11th, 2025 I have been, lied to, given the run around and even flat out told that they were waiting for the request to expire so that they could keep my money and close my account, I have tried to reach out to no avail numerous times, only to receive bots or automated messages as a response detailing polices and guidelines that are not being upholded.

  Customer Answer

  Date: 04/22/2025

  I have quite a few more screenshots as I spoke with several Klarna bots or employees while trying to rectify this issue.

  Business Response

  Date: 04/28/2025

  Hello,

  Please provide your full name that is associated with the Klarna account, your email and your phone number. We are unable to locate an account with the provided information. Thank you.

  Customer Answer

  Date: 04/28/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23234456
  
  I am rejecting this response because: The problem is still occurring 
  
  Regards,
  
  ******* ********

  Customer Answer

  Date: 04/28/2025

  The account is under the name ****** *****, the phone number associated with it is **************

  Business Response

  Date: 04/29/2025

  Thank you. We understand that you're reaching out in regards to having the $93.00 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: *****************************************************************************************************************gv8m9t*_gcl_au*Njk3NTcyOTY3LjE3MjU5ODc3MzI.
  
  We are able to see that you have an available ************** and no recently declined transactions on your Klarna account, therefore the funds in your Klarna Balance are to be used for any upcoming purchases, the installments due on any active order or payments due on future transactions.
  
  We hope that this information is helpful and we hope that you have a wonderful rest of your day!
  
  

  Customer Answer

  Date: 04/30/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23234456
  
  I am rejecting this response because: I cannot use any of the methods the have available to pay anything outstanding or to assist with a purchase, I keep asking for alternatives and no response, they told me that they were going to keep my money and close the account, they also told me that if I was smart enough to understand what was going on I wouldnt be asking for a refund, I understand policy but this is legitimate theft under the guise of better financing, and I will not have part in this, I would like my money back so that I can continue to preserve my standard of life, I already have been forced to sleep outside twice because of this incident, I will not accept a third, please someone do something 
  
  Regards,
  
  ******* ********

• Initial Complaint

  Date:04/21/2025

  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 made a return and never got a refund for it I made a dispute and said the return policy wasnt followed I made a return it showed delivered back to merchant and policy was 100% followed I want my money back interest was $200+ dollars not fair at all for order I returned 1Z739F910303817853 is return tracking #

  Business Response

  Date: 04/22/2025

  Hello,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the return made. 
  
  At this time your name and information presented here on the BBB complaint does not match what we have for the order. Please provide your name, email, telephone number and billing zip code at this time for further assistance. Thank you.

  Customer Answer

  Date: 04/22/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23231621
  
  I am rejecting this response because: 
  Name is ******** iwuh 20706
  **********

  Regards,
  
  

  Business Response

  Date: 04/24/2025

  Thank you for your response. At this time your dispute was denied by the merchant as they have stated they received an invalid return. An envelope with a piece of cardboard was said to have been received. The tracking on the package appears to be consistent with the return tracking that was provided. We are unable to assist with the return at this time. Once the merchant has received the order and processed a refund, we will adjust the order accordingly. If this does not sound to be correct, please contact the merchant for an update and provide their response. Thank you.

   

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

   

   

  Customer Answer

  Date: 04/24/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23231621
  
  I am rejecting this response because: 
  I appreciate your prompt response, but I still feel quite lost in this process. The merchant clearly stated that I should reach out to you for assistance, which is why Im following up. Its frustrating to hear that my dispute was denied based on the claim of an invalid return when I believed I had adhered to all the return guidelines. I packaged the item carefully and made sure to include everything necessary for the return. If there was an issue with what the merchant received, I would like to understand how that discrepancy occurred.
  Additionally, Im concerned about the lack of communication regarding the status of my return. Since the merchant has directed me back to you, I would appreciate any information you can provide about how to proceed. Is there a way to investigate this further? I want to ensure that my concerns are addressed and that I can receive a fair resolution. Thank you for your understanding, and I look forward to your guidance on how to move forward.
  Regards,
  Inn ***

  Customer Answer

  Date: 04/24/2025

  I am writing to express my frustration with the ongoing situation regarding my return, which has now dragged on for over a month. I feel like I am being taken in circles with no clear resolution in sight. After following the return process as instructed, I was informed that my dispute was denied due to an invalid return, yet I have received no satisfactory explanation for this claim. The merchant has directed me to contact my payment provider, and in turn, I am being told to reach out to the merchant again. This back-and-forth is not only exhausting but also incredibly unhelpful.

  
  It is unacceptable that I have been left in limbo for such an extended period. I have made every effort to comply with the return policy, and yet I am met with vague responses and a lack of accountability from both the merchant and the payment provider. The tracking information indicates that my return was delivered, but instead of resolving the issue, I am simply being told that the return was invalid without any further clarification. This lack of communication and transparency is incredibly frustrating and has left me feeling powerless in this situation.

  
  I urge you to look into this matter and help facilitate a resolution. As a consumer, I expect to be treated fairly and to have my concerns addressed in a timely manner. The current handling of my return is not only disappointing but also reflects poorly on the customer service standards of both the merchant and the payment provider. I hope that by bringing this to your attention, I can finally receive the assistance I need to resolve this issue once and for all.

  Thank you for your attention to this matter.

  Business Response

  Date: 04/24/2025

  Please contact the merchant via chat and/or email at this time and provide their response. If the merchant states the return was still not received, we are unable to assist with a return. If the return was recevied, once the merchant processes the refund, we will adjust the order accordingly. Thank you.

• Initial Complaint

  Date:04/21/2025

  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.

  In November 2024, I was charged twice by *********** for the same reservation — once for $217.33 and again for $224.33. I used Klarna’s financing service to complete the transaction. The $224.33 was a duplicate charge, but Klarna has repeatedly denied my dispute and is now attempting to collect the amount and has added a late fee to my account.
  
  Despite multiple dispute attempts, Klarna failed to properly present both charges to the merchant. Each time they submitted a dispute, they only referenced a single charge, and as a result, *********** understandably confirmed the charge as valid — without ever being shown that it was duplicated. Klarna’s lack of due diligence has caused unnecessary delays and repeated failed disputes.
  
  Eventually, *********** acknowledged the duplicate payment and initiated a refund on February 24, 2025. However, they were unable to process it because Klarna’s dispute status was still open. Klarna, instead of resolving the situation, continued to attempt collections and added fees to my account.
  
  I contacted Klarna multiple times and even requested documentation or transaction history to support my case with the merchant. Klarna refused to provide this, despite being the third-party financier of the charge.
  
  This process has now lasted several months, causing significant emotional stress, financial inconvenience, and loss of time. I recently filed a formal complaint with the Consumer Financial Protection Bureau (CFPB) (Complaint ID: 250421-20233854) and am now submitting this BBB complaint as well.
  
  ?
  
  What I Am Requesting:
  1. Immediate cancellation of the $224.33 charge and removal of all associated late fees.
  2. Closure of the dispute so *********** can issue the refund.
  3. $500 in compensation for the mishandling of my case, time lost, financial impact, and stress.
  4. A written confirmation that this situation will not negatively impact my Klarna account or credit report.

  Business Response

  Date: 04/24/2025

  Hello ******,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with *********** (********).
  
  We have looked into this matter and it appears you are currently working with a dispute agent for this already as of today, April 24. We are not able to double investigate so we would like to conclude this as resolved. Thank you and have a great day.

• Initial Complaint

  Date:04/21/2025

  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 1/21/2025 my husband and I were scammed. The scammers stole $25k via wire fraud, opened/attempted to open online retail accounts ads ********************** card accounts, attempted to steal$10000 access $2000 via Zelle from our *********** account, etc. All of the charges that they made to all of the credit card companies were accepted as FRAUDULENT and we received letters that we are not responsible, EXCEPT FOR KLARNA. I have never used Klarna. The ******** purchased from a company called ******** (which I never heard of). Farfetch sent me a text to inform me that items were shipped (to a N ******** address where all other purchases were sent and we live in **) and I immediately contacted them to advise them the charge was fraudulent. However Klarna, despite being sent all of the proof, including police, *** and ********************************* reports, refused to stop harassing me for money and said there IS NO EVIDENCE OF FRAUD!! Note: I have over 35 pages of documents. I am limited to 5mb. If you need additional info I will be happy to send the rest. ALL DOCUMENTS WERE SENT TO KLARNA

  Business Response

  Date: 05/01/2025

  Hello ******,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Farfetch (PMDSQ67H).
  
  We have reviewed the matter and at this time our **************** determined the order to not be fraudulent based upon the transaction details. You are more than welcome to give us a call to have this reinvestigated but otherwise, we are not able to override the decision of fraud. We would suggest giving us a call using ************** as all fraud inquiries and disputes must be made on a recorded line. Thank you and have a great day.
  

  Customer Answer

  Date: 05/09/2025

  
  
  'uappl2me' via Dispute Resolution - Shared Inbox <**********************************************************************************************>
  7:04 AM (3 hours ago)
  to Better
  
  
  I most certainly DID respond and I DID NOT ACCEPT THE RESPONSE FROM Klarna.  I have now filed a complaint with the NC Attorney General.  This is OUTRAGEOUS!  KLARNA has lawsuits against them. The company was fined $50 MILLION by Sweden for failing to take sufficient steps against money laundering.  They were sued by California. And I'M THE ONE WHO CAN'T GET RELIEF?!
  

  
  

  Customer Answer

  Date: 05/12/2025

  From: uappl2me <***********************>
  Date: Sat, May 10, 2025 at 10:16 AM
  Subject: Re: You have a new message from the BBB of ************ in regards to your complaint #********.
  To: ********* ********** <****************************************************************************************>
  
  
  
  
  I am attaching saved emails showing many attempts, in addition to the information I previously submitted to show just SOME of what the scammed applied for in my name.  Please note that they are all within days of having my identity stolen on 
  
  
  I previously documented that credit cards that were used to charge merchandise and subscriptions were all considered fraudulent and was not responsible. I have submitted police, *** and **** reports that were made.  I submitted documents showing several unsuccessful attempts to transfer money from our accounts to ******* ***** and one successful wire transfer from our Discover account as well as a complete response from Discover to the **** regarding the theft via wire transfer from that account outlining what transpired,  including two unsuccessful attempts. 
  
  
  If there is something further that Klarna wants from me let them tell me.  ALL ACTIONS TAKEN BY THE SCAMMER(S) and ALL MERCHANDISE, INCLUDING those from FARFETCH and LOVE ***** were SENT TO *********** ADDRESSES.  I HAVE NEVER LIVED IN *******, NEVER OWNED PROPERTY IN *******,  KNOW ANYONE IN N ***************'T EVEN BEEN TO ******* IN THE LAST 10 YEARS OR SO.  
  
  
  I AM A 71 YEAR OLD former IRS COLLECTION REVENUE OFFICER and an IRS APPEALS SETTLEMENT OFFICER.  I HAVE NEVER HAD A CREDIT RATING UNDER 830. I HAVE ASSETS OF $1MILLION. Our combined NET income is approximately $14k PER MONTH not counting interest and RMD's.  WHY WOULD I REFUSE TO PAY THIS AND RISK A NEGATIVE CHANGE TO MY CREDIT REPORTS if I owed the money?!?!
  
  
  Yesterday I mailed a complaint against Klarna with the ** here in ** with the same proof I previously supplied to both the BBB and Klarna.
  
  
  I would like a supervisor from Klarna's **************** to contact me and tell me WHAT NOW DO I NEED TO PROVIDE TO GET THEM TO CEASE AND DESIST THEIR HARASSMENT. To date,  all they have done is deny there was fraud.  Then meet them explain why there were so many attempts to get credit,  transfer money, purchase items, etc.  They even tried to purchase a $60k Rolex watch from my **** account.  
  
  
  At this point I will just wait to be contacted by the **'S office. Klarna has already had several lawsuits filed against them as well as a $50 MILLION DOLLAR FINE FROM ****** REGARDING FAILURE TO MAKE SUFFICIENT STEPS TO AVOID MONEY LAUNDERING. What's one more lawsuit? They are obviously NOT ON THE UP **REEMENT UP. (see attached ****** search).
  
  
  Thank you for reopening this case. 
  
  
  ****** Dellosso 
  
  
  Sent from my Galaxy
  

  
  

  Customer Answer

  Date: 05/12/2025

  I took all of the recommended as actions immediately after my identity was stolen. The problem is getting Klarna to ACCEPT that my identity was stolen. If not,  I want to know WHY THEY REFUSE TO ACCEPT THE DOCUMENTATION and WHAT ADDITIONAL PROOF THEY REQUIRE to expunge the debt. If they refuse, I will just have to wait to see what the ***** will do. Under NO CIRCUMSTANCES will I pay this. I only pay MY debts, IN FULL,  BEFORE THEY ARE EVEN DUE. 

  Business Response

  Date: 05/13/2025

  ******,

  As all fraud related inquiries are required to be handled by phone, please contact us using ************** to file a new unauthorized purchase dispute and submit any new evidence you may have that could alter the previous outcome. 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: 23231241
  
  I am rejecting this response because: 

  The number they gave in response to the complaint DOES NOT ACCEPT INCOMING CALLS! THEREFORE I CAN'T POSSIBLY SPEAK TO A PERSON TO FILE ANOTHER FRAUD COMPLAINT. FURTHERMORE, THEY ARE IGNORING ALL OF THE ***** I HAVE SENT.  

  This company's response to over 30 pages of proof is TO CALL A NUMBER THAT DOESN'T ACCEPT INCOMING CALLS? I CAN'T CONTACT ONLINE BECAUSE I DON'T HAVE A KLARNA ACCOUNT AND CANNOT SIGN IN.  

  PLEASEGET A VALID PHONE NUMBER FROM THEM AND FIND OUT WHAT HAPPENED TO ALL OF THE DOCUMENTS I HAVE ALREADY SENT AND WHAT DOCUMENTS THEY WILL ACCEPT. 

  
  Regards,
  
  ****** ********

  Business Response

  Date: 05/16/2025

  ******,

  Please call us using ************** at this time. Thank you.

  
  

  Customer Answer

  Date: 05/16/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23231241
  
  I am rejecting this response because: The customer service person is supposed to have a manager CALL ME. I refuse to keep going around in circles sending emails with documents that no one is reading. So, until this situation is resolved to my satisfaction,  I will continue to reject any responses from Klarna regarding this account. Apparently I'm sending do much documentation that no one wants to be bothered reading it. 
  
  Regards,
  
  ****** ********

• Initial Complaint

  Date:04/21/2025

  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.

  March 7, 2025 I used Klarna to finance a $189 purchase from ******* **** for two wigs advertised as “ready to wear.”

  When they arrived, they required significant customization and were unusable for my needs. I returned them via USPS at the Kirkwood, MO location (*** * ******** ** *** ***) using the self-service kiosk. A USPS clerk confirmed I didn’t need to reprint the label, even though it didn’t scan properly.
  

  
  While I no longer have the tracking receipt, I submitted substantial evidence of the return.

  Despite this, Klarna denied my dispute, claiming no valid proof was received. ******* **** customer service responses have been filled with typos and lacked professionalism, making me question the legitimacy of their investigation.
  

  
  I am demanding that Klarna cancel the remaining payments immediately, as I no longer have the items and followed through with returning them properly.

  Business Response

  Date: 04/21/2025

  Dear ****, 
  
  Klarna is in receipt of your complaint ********, in regards to a return that was made for order ******** with ***********. 
  
  In your complaint you stated that despite returning the two items two weeks ago, it has not been received by the merchant due to a labeling issue and your order has not been credited for the returned items. 
  
  As of April 21st, 2025, the remaining balance of $141.75 has been removed and your down payment of $47.25 has been refunded. Please allow 5-7 days for these funds to populate in your account. 
  
  This order will now reflect as complete in your Klarna account with a balance of $0.00, and you are no longer responsible for the previous balance owed. 
  
  We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ###-###-#### or via chat 24/7 at ******************
  
  

• Initial Complaint

  Date:04/21/2025

  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 file a formal complaint against Klarna Inc. regarding unauthorized automatic payments and failure to timely honor a request to revoke payment authorization.
  
  On February 7, 2025, I contacted Klarna Inc. to revoke authorization for automatic payments and requested that my card be removed from their system. Despite multiple follow-ups, Klarna did not remove the card until March 17, 2025, over a month later. Throughout this time, I was repeatedly given vague excuses or advised to turn off automatic payments through the app, a feature that I did not have access to on my end.
  
  To make matters worse, on April 16, 2025, Klarna withdrew three payments from the card that had already been removed and after I had clearly revoked any further automatic payments. This action was taken without my consent, in direct contradiction of my repeated requests, and after they had acknowledged the card had been removed.
  
  I am requesting the following resolution:
  
  A full refund of the three unauthorized payments taken on April 16, 2025.
  Written confirmation that no further automatic payments will be processed without my explicit consent.
  Assurance that my payment method remains permanently removed from Klarna’s system.
  I hope that the BBB can assist in resolving this matter promptly and ensuring Klarna Inc. adheres to proper authorization procedures in the future.
  
  Thank you for your time and assistance.

  Business Response

  Date: 04/22/2025

  Hello ******,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding your active orders.
  
  We have reviewed your concern and at this time your last financial holds were closed on April 9 for all 3 orders. These are Pay in 4 orders in which you authorized the payment when you accepted the payment schedule at the time of the purchase. As mentioned, the payment sources have been removed but it does not dismiss the obligation of payment. You are welcome to dispute the recent charges with your bank directly. If the order is not paid, it will later be referred to collections. We hope this addresses your concerns. Have a great day.

  Customer Answer

  Date: 04/28/2025

  ************
  
  
  I am rejecting the business’s response because I revoked authorization for automatic payments prior to these transactions. Under the EFTA, a consumer has the right to revoke authorization for future payments at any time. The company’s obligation to respect my revocation was ignored. I dispute any subsequent charges after the date of revocation and request a full resolution in line with federal consumer protection law
  

  
  
  Regards,
  
  
  
  ****** *****

• Initial Complaint

  Date:04/21/2025

  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 some clothing from Rainbow Shops thru Klarna they received my order on my return they deposited the wrong amount in my account I have called several times they refunded me 11 dollars I call they will not return my messages so I'm in contact with Klana but as soon as I get sum money I'm shutting that app down and deleting the app

  Business Response

  Date: 04/22/2025

  Hello ****,
  
  Klarna is in receipt of your complaint ********. We appreciate your inquiry regarding the order with Rainbow Shops (BH5ZJG9D).
  
  We have reviewed your concern and we have refunded you according to the return credit that was received. Your original order total was $108.69. You made two payments ($27.17, $27.18) totaling $54.35. The merchant processed a return credit of $66.09, making the new balance $42.60. As you already paid that amount, the overage of $11.75 was refunded back to your original form of payment. We are not able to adjust the balance unless you provide a return receipt showing the correct refund amount. Thank you and have a great day.