| 05/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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XX/XX/XXXX I filed a claim against Klarna here at the CFPB for not responding to my NUMEROUS efforts and requests to have my {$75.00} payments ( sent from my bank directly to them VIA ACH ) to be applied to the next payment due. My payments are {$68.00} due on the XXXX. My payments have been sent, and are processed at least 5 days before they are due. But what they have been doing, NOT AT MY REQUEST, is applying the entire payment to the principal. They send an email " thank you for your payment ''. Then they follow up with me emails that my payment is due, then that it " failed '', then it was missed - and they increase my interest rate I HAVE BEEN PAYING MORE THE THE MINIMUM DUE AND HAVE BEEN PAYING EARLY. I AM MAKING A GOOD FAITH EFFORT TO PAY MY ACCOUNT OFF EARLY AND WAS HOPING TO BUILD GOO CREDIT.
They responded on XX/XX/XXXX refusing my request to allocate my funds to the next payment due automatically.
" XXXX XXXX, Thank you for reaching out in regards to the payments associated with order XXXX with XXXX XXXX. Our review of your concern found that autopay was not previously enabled on your account. '' YES, IT WAS SET FOR AUTOPAY, AS I STATED IN THE OPENING OF MY FIRST COMPLAINT TO YOU AS FOLLOWS : " I purchased a bed from XXXX using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. '' THE INITIAL PAYMENT ON XX/XX/XXXX WENT THROUGH, DEMONSTRATING I ENTERED THE ACCOUNT INFORMATION CORRECTLY. I SENT PROOF IN THE LAST COMPLAINT THAT I HAD OVER {$1800.00} FUNDS AVAILABLE ON XX/XX/XXXX. THE PROBLEM WAS CLEARLY A PROCESSING ERROR BY KLARNA.
" As a one-time courtesy, we were able to have the payments reallocated to reflect XXXX and XXXX of XXXX as paid. You will no longer see any failed payments on your account. In addition, we have updated the account status and can confirm no information has been reported to the credit bureaus at this time. '' IT IS NOT A COURTESY TO APPLY MY PAYMENTS THE WAY THE LAW STATES YOU ARE SUPPOSED TO APPLY THEM.
" The next payment of {$68.00} is due on XX/XX/XXXX. '' THIS PAYMENT WAS PROCESSED BY YOU ON XX/XX/XXXX, WHICH WAS FOR THE XX/XX/XXXX PAYMENT YOU ARE REFERRING TO, AS IF I HAVEN'T PAID. AGAIN, IT CLEARLY WAS NOT APPLIED TO THE NEXT PAYMENT DUE. NOTE THAT THIS POSTED AFTER MY COMPLAINT WAS FILED AND WELL BEFORE YOU MADE THESE ADJUSTMENTS.
YOU ARE AGAIN SAYING I MISSED A PAYMENT, AND HAVE AGAIN RAISED MY INTEREST RATE.
" To prevent any future recurrence on this matter, we strongly advise setting up direct debit payments on your account or enabling autopay on this order. " SO YOU ARE SAYING THE ONLY WAY I WILL NOT HAVE PROBLEMS WITH MY PAYMENTS BEING APPLIED THE WAY THEY ARE LEGALLY SUPPOSED TO BE APPLIED IS TO USE YOUR AUTOPAY SYSTEM.
PLEASE NOTE MY ORIGINAL LOAN AGREEMENT WITH XXXXKLARNA STATES " autopayment is not required. '' ( SEE BELOW ) " With check payments, it is expected that the payment will be applied to the end of the loan as a principal reduction, and this will happen again if you choose to pay by check moving forward. '' ON XX/XX/XXXX, THE {$75.00} ACH PAYMENT FROM MY BANK WAS APPLIED FIRST TO THE {$68.00} DUE FROM XX/XX/XXXX ( WHICH WAS OVERDUE DUE TO YOUR SYSTEM ERRORS ) AND THE EXTRA {$6.00} WAS APPLIED TO THE PRINCIPAL. SO YOU ESTABLISHED A REASONABLE EXPECTATION THAT MY FUTURE PAYMENTS WOULD BE ALLOCATED IN THE SAME MANNER.
AGAIN, LET ME REMIND YOU, I AM PAYING BY ACH DIRECTLY FROM MY BANK TO KLARNA. I AM NOT PAYING BY CHECK.
MOST IMPORTANTLY, WHAT IS EXPECTED - NOT ONLY AS AN AS AN INDUSTRY STANDARD - BUT IS ALSO THE LAW, IS STATED ON THE KLARNA WEBSITE, AND IS STATED IN THE CONTRACT I SIGNED ON XX/XX/XXXX IS THAT PAYMENTS MADE ON CREDIT ACCOUNTS ARE APPLIED TO THE NEXT PAYMENT DUE, NOT THE LAST PAYMENT DUE. ONLY THE EXCESS CAN BE APPLIED ELSEWHERE, IN MY CASE, TO THE PRINCIPLE. KLARNA 'S OWN WEBSITE, AS REFERENCED BELOW, STATES : " We will use each payment in the amount of the Minimum Payment Due or less to pay your balances from oldest to newest '' THE ONLY TIME ENTIRE PAYMENTS CAN GO TO THE PRINCIPAL IS AT THE CARDHOLDERS REQUEST. I HAVE NOT REQUESTED THIS.
HERE IS DOCUMENTATION FROM THE ORIGINAL LOAN AGREEMENT I SIGNED WITH XXXX/KLARNA, THE LAW FROM THE FDIC, AND FROM THE LEGAL PORTION OF KLARNA 'S WEBSITE SHOWING YOU ARE EITHER LYING, ARE MISINFORMED, OR YOU ARE INTENTIONALLY TRYING TO MISLEAD ME.
THE LOAN AGREEMENT FROM XX/XX/XXXX STATES : 5. Payment Methods We will accept payments in U.S. dollars via ACH, or physical check, or any other payment method we make available. You may not make payments in cash or coin. We may require you to select a payment method when you apply for a loan, but autopayment is not required.
THE LAW : FDIC 6000 - Consumer Protection CHAPTER 4CREDIT BILLING 164.Prompt and fair crediting of payments ( a ) IN GENERAL. -- Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligor 's payment in readily identifiable form by XXXX XXXX on the date on which such payment is due in the amount, manner, and location indicated by the creditor to avoid the imposition thereof.
b ) APPLICATION OF PAYMENTS.
( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amountsin excess of the minimum payment amountfirst to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.
https : XXXX # XXXX FROM THE KLARNA WEBSITE : 7. Payment Application and Prepayment We will use each payment in the amount of the Minimum Payment Due or less to pay your balances from oldest to newest.
You may at any time pay the total unpaid balance without any additional charge for prepayment. If you pay more than the Minimum Payment Due in any Billing Cycle, you still must make the Minimum Payment Due the next Billing Cycle. We will use any amount in excess of the Minimum Payment Due to pay the balances with the highest interest rate, then the next highest interest rate, and so forth. However, during the two Billing Cycles immediately preceding the Expiration Date of any Deferred Interest Purchase, we will use such excess payments first to pay the balance on such Deferred Interest Purchase.
https : XXXX? XXXX " If you choose the check payment option, you will have to contact Klarna customer service to ensure the payment is applied to the current month. '' AGAIN, I AM PAYING BY ACH DIRECTLY FROM MY BANK TO YOU.
I AM NOT PAYING BY CHECK.
THE WHOLE BASIS OF MY COMPLAINT IS THAT I HAVE BEEN CONTACTING KLARNA CUSTOMER SERVICE REGULARLY SIMPLY TO HAVE MY PAYMENTS APPLIED THE NEXT PAYMENT DUE, BUT HAVE HAVE BEEN MET WITH A REFUSAL TO DO SO ON EVERY FRONT.
HERE ARE THE DATES AND METHODS I HAVE CONTACTED KLARNA BY CHAT : 3 TIMES XX/XX/XXXX, XX/XX/XXXX ( XXXX XXXX hours ) XX/XX/XXXX BY PHONE : 2 TIMES XX/XX/XXXX, XXXX minutes XX/XX/XXXX XXXX minutes BY EMAIL : 7 TIMES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THROUGH CONSUMER FINANCE PROTECTION BUREAU : XX/XX/XXXX, XX/XX/XXXX, & NOW " Our records indicate the following payments have been applied to your account : - The down payment of {$60.00} was made on XX/XX/XXXX with the XXXX ending in XXXX " THIS IS PROOF THAT I HAD CORRECTLY INPUT MY DEBIT CARD AND IT SUCCESSFULLY WENT THROUGH. EMAIL PAYMENT REMINDERS FOR THE XX/XX/XXXX PAYMENT CLARIFIED THIS ACCOUNT WOULD BE CHARGED WITH NO INDICATION OF ANY STEPS NECESSARY.
A check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A second check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A third check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A fourth check payment of {$75.00} was applied to the order on XX/XX/XXXX.
The remaining outstanding balance left to pay on this order is {$480.00} and the next minimum payment of {$68.00} is due on XX/XX/XXXX.
WHAT HAPPENED THE AMOUNT IN EXCESS OF THE {$68.00} FOR EACH OF THESE PAYMENTS? THE DATA YOU ARE PROVIDING IS INCOMPLETE.
ALSO, WHILE YOU WERE ANALYZING MY ACCOUNT BETWEEN XX/XX/XXXX AND YOUR RESPONSE ON XX/XX/XXXX, A FIFTH {$75.00} PAYMENT WAS PROCESSED BY YOU ON XX/XX/XXXX WHICH WAS FOR THE MAY PAYMENT YOU REFER TO ABOVE, AND WAS AGAIN NOT PROPERLY APPLIED TO THE NEXT PAYMENT DUE. THE ENTIRE {$75.00} WAS AGAIN INCORRECTLY APPLIED TO THE PRINCIPAL.
I EMAILED YOUR CORRECTIONS DEPARTMENT.
We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via XXXX chat at www.klarna.com/us.
YOU CLEARLY HAVE NOT ADDRESSED MY CONCERNS. YOU APPEAR TO NOT HAVE DONE YOUR RESEARCH AND HAVE NOT MADE AN EFFORT TO PROVIDE ME ANY DOCUMENTATION.
IT IS AN UNREASONABLE REQUIREMENT THAT I CONTACT KLARNA CUSTOMER SERVICE TO HAVE MY PAYMENTS APPLIED CORRECTLY. IN FACT, THIS HAS TURNED INTO AN UNNECESSARY BURDEN ON ME, CAUSING ME UNDUE STRESS AND ANXIETY. I HAVE LOST OVER 40 HOURS OF TIME OVER 4 MONTHS AND COUNTING, TRYING TO GET THIS RESOLVED.
As result of you illegally applying my entire payment to the principle, WHICH I HAVE REPEATEDLY INSISTED YOU NOT DO, it results in your system registering my payment as late, and in turn you increasing my interest rate, and also results in a negative impact on my credit rating.
YOU HAVE FAILED TO PROVIDE ME EVIDENCE OF THE POLICY YOU ARE FOLLOWING IN THE APPLICATION OF MY PAYMENTS.
ON XX/XX/XXXX AT XXXX XXXX IN YOUR CHAT APP I ASKED : " Please provide me with documentation that states that a payment I have made, that you have accepted, does not apply to current payment, but instead applies to payments at the end of the contract. '' YOU HAVE NOT PROVIDED IT IN ANY OF OUR CORRESPONDENCE. IN FACT, THE PREPONDERANCE OF EVENCE SHOWS THAT THERE IS NO SUCH POLICY OR " EXPECTATION '' AT KLARNA, OR ELSEWHERE IN THE FINANCIAL WORLD.
SO AGAIN : I am requesting THE FOLLOWING : 1 ) all of my future {$75.00} payments to be AUTOMATICALLY APPLIED to the next payment due, and then ONLY THE EXCESS BE APPLIED TO PRINCIPAL 2 ) the XX/XX/XXXX {$75.00} payment to be applied TO the XX/XX/XXXX payment due AND ONLY THE EXCESS BE APPLIED TO THE PRINCIPAL 3 ) for all of my payments to reflect as being paid on time 3 ) for Interest be calculated as IF ALL PAYMENTS WERE MADE ON TIME.
IF YOU REFUSE TO HONOR MY REQUEST, YOU ARE ACCUSED OF FALSE ADVERTISING, OF TRYING TO MISLEAD ME, OF MISALLOCATING MY PAYMENTS INTENTIONALLY, AGAINST MY WILL, IN ORDER TO INCREASE THE INTEREST YOU ARE COLLECTING FROM ME, OF TRYING TO COERCE ME INTO USING YOUR OWN AUTOPAY SYSTEM, AND FOR CAUSING ME UNDUE DISTRESS.
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| 08/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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KLARNA, Inc Alleged Account/Loan # XXXX Alleged Balance {$560.00} This is an offer to fully pay/discharge ANY claim of debt on the condition that the claiming parties comply with this notice within 20 days of receipt of this correspondence.
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you
the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 20 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account. Furthermore Debt Collector will be subject to an Ecclesiastical Jurisdiction for any and all issues arising in regards to the above-referenced alleged account.
Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this n
otice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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| 11/05/2023 |
Yes |
- Debt collection
- I do not know
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas, XXXX XXXX XXXX In this letter, I gave 30 days notice for XXXX XXXX XXXX to respond and provide me with the information that I requested. Additionally, I requested that XXXX XXXX XXXX cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that XXXX XXXX XXXX cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). XXXX XXXX XXXX continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. XXXX XXXX XXXX has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, XXXX XXXX XXXX is apparently a third party debt collection agency attempting to collect this alleged debt. I have received zero correspondence from XXXX XXXX XXXX in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al XXXX owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the XXXX XXXX XXXX et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put XXXX XXXX XXXX et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by XXXX XXXX XXXX et. al. XXXX. XXXX XXXX XXXX et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. XXXX XXXXXXXX XXXX et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. XXXX XXXXXXXX XXXX et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, XXXX XXXX XXXX et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( XXXX ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay XXXX XXXX XXXX et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the XXXX ( XXXX XXXX XXXX ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the XXXX ( XXXX Of Limitations ), and precisely how that was determined. Details about XXXX XXXX XXXX et. al. authority to collect the alleged debt : whether XXXX XXXX XXXX et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If XXXX XXXX XXXX et. al. are contacting XXXX XXXX from of the state, provide the licensing information from XXXX XXXX XXXX et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from XXXX XXXX XXXX et. al. XXXX XXXX gives notice that : XXXX XXXX XXXX et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, XXXX XXXX XXXX et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, XXXX XXXX XXXX et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ XXXX XXXX ] this 5 day of XXXX, XXXX. Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent
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| 01/20/2023 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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Klarna offers a Financial product called one time card that allows their users to make a virtual card of a approved financed amount. The one time card product can be used for in-store purchases via XXXX XXXX. After the user makes a purchase they will pay off their purchase in installments of 4 payments.
For any amount that is not used on the card the payment plan will be adjusted to what was spent ; example : {$40.00} One time card is used for a {$30.00} purchase, then the users repayment plan will be adjusted to the {$30.00}.
On XX/XX/XXXX I made a one time card within the Klarna app for {$270.00} a in-store purchase at XXXX. The amount that I spent on the one time card was {$160.00} On the same day of the XXXX purchase, I returned the purchase at the same location because the item was not what I wanted. The refund was sent to Klarna card ending in XXXX for the amount of {$160.00} I then went to XXXX to purchase the items that I was intending to buy originally. I made another one time card within the Klarna app for {$460.00} at the XXXX store to be used as my payment method. The transaction amounted to {$450.00}. The next day On XX/XX/XXXX, I returned to the XXXX location that I made the purchase at to do a partial return of some of the items I brought the previous day using the Klarna payment method. The amount refunded was {$340.00}. The refund was sent back to the original payment method which was the Klarna one time card ending in XXXX.
Both on XXXX and XXXX I followed up with Klarna to provide the return receipts for the XXXX and the XXXX return to make sure that my payment plan for the one time card will be adjusted accurately. Each time that I reached out, a representative insured me that my payment plan will be automatically adjusted, but this did not happen.
In the process of reporting a return to Klarna they temporarily pause your payments to wait for the refund or to look into your claim. After close to 3 weeks after I originally reported the return, a Klarna dispute resolution specialist reached out to me via email pertaining to the XXXX order and asked for the receipt. After providing this information again I received a dispute resolution email on XX/XX/XXXX that states my payment plan for this transaction will be resumed for the original amount. The email eluded that that I received the refund XXXX sent and it was not sent to Klarna so I am still liable for paying for the unadjusted payment plan. Although The receipt that I provided clearly shows Klarna as the payment method that refund was issued back to.
Similarly, I received a email from a another Klarna dispute resolution specialist requesting proof of the XXXX return. After providing both the original purchase receipt and the return receipt I received email from Klarna on XX/XX/XXXX that states since Ive been compensated by XXXX that my payment plan for this transaction will resume unadjusted. However, I have not received a refund from XXXX because the refund was sent to Klarna.
In the process of trying to work with Klarna they have asked me to contact XXXX and XXXX which I did and they have confirmed verbally that the refund was sent back to the original payment method. Because these are in-store purchases I was unable To work with XXXX or XXXX online customer service to get a document. Both in store retailers have shared that they are unable contact Klarna.
When I contacted Klarna for more information on why I received these resolutions when Ive provided return receipts I have been told because they do not identify the card ending in XXXX as their payment method although all receipt documents that I have provided them clearly states Klarna as the payment method and as the return method. The assumption that I have received a refund from either XXXX or XXXX for these transactions its just a assumption and do not align with the documents I have provided Klarna.
As a consumer this is entirely worrying that such a large business its attempting to collect unjustifiable payments from their customers.
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| 05/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
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Summary : I can not pay my XXXX bill with Klarna. I have been paying my bill on the 2nd of every month for over 2 years. But because of a glitch in their system, they want me to pay for 2 months in the month of XXXX. Klarna discovered I paid the XXXX bill 3 hours before their billing statement was released. Klarna stated they made a manual correction and the correction will not appear online until the next billing cycle. I tried to pay it online but their app still shows a minimum balance of {$270.00}. Their app does not permit me to enter a lesser amount. And their telephone representatives do not take a payment over the phone. And I can not speak to a supervisor for 5-7 business days. The only communication I have is with XXXX in their Dispute Resolution Center and only through email. Klarna does not give me any means to pay my account. So I am not paying it until they provide a means for me to pay it. I have had no less than 3 emails with XXXX and still no resolution.
If you are not the correct government facility to report this matter, please tell me where I should report it.
Thank you XXXX XXXX XXXX Klarna : Hello XXXX, I absolutely understand your concern regarding your payment for XXXX for your finance account. The reason your minimum balance is showing as this {$270.00} is because your minimum due this month was initially {$300.00}. Then the {$25.00} late fee was removed, bringing it to that {$270.00} you are seeing. I can confirm that I have reduced your minimum payment for the month of XXXX down to {$130.00}. This was a manual adjustment so you will not see this reflected on your statement or your account page because that information is updated once a month when the statement is generated. You will not get a late fee for making the minimum payment of {$130.00} for this month On XXXX, XX/XX/2023, XXXX XXXX, Klarna Dispute Resolutions XXXX wrote : Hello XXXX, Yes I do see where you had made your previous payments on the 2nd and they had counted toward your statement balance. I do apologize for this bug on our end.
You will still owe the {$130.00} for the month of XXXX. Your statement balance says your minimum payment due is {$300.00}, but we have since removed the {$25.00} late fee and I reduced the monthly minimum payment by {$130.00}. So with those deductions your minimum due this month will be back to the original {$130.00}. I hope that clarifies it for you!
Have a great day, XXXX XXXX me : I paid this bill on XX/XX/XXXX Thank you. Do I owe anything for the month of XXXX?
In the past, I have been paying on this account on the same day for many months without a problem. I have made my payments as soon as I can. In the future, I will wait a day or 2 to make my payment Your app states the minimum payment is over {$270.00}. If I pay only XXXX I will be charged a late fee after XX/XX/XXXX. You did not correct the problem. I really want to get this settled. I am tired of sending you messages. I have contacted Klarna no less than 5 times on this one issue.
I WANT TO PAY ONLY WHAT I OWE FOR XXXX.
I want to get this done. Please call me so this can be settled without a late payment on XX/XX/XXXX.
On XX/XX/2023, I am getting nowhere with you. THE MINIMUM payment on your app is {$270.00}. I CAN NOT PAY {$130.00} because it is less than {$270.00} and there is NO WAY to change it to {$130.00}. AND your telephone representatives can not take a payment over the phone.
So THERE IS NO WAY FOR ME TO MAKE THIS PAYMENT.
THEREFORE, I AM NOT PAYING MY XXXX PAYMENT UNTIL THERE IS A WAY TO PAY {$130.00}.
I have yet to find a way to make this payment. Therefore, no payment will XXXX made UNTIL YOU HELP ME MAKE THIS PAYMENT.
AGAIN I CAN NOT MAKE THIS PAYMENT THROUGH YOUR APP
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| 09/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Klarna uses misleading and deceptive credit practices to lure people into their buy now pay later services. It is advertised and marketed as no credit history required but they are secretly running soft background checks on their customers without their knowledge. Then they update their privacy agreement to include that you can only seek arbitration and not legal action against them for their illegal practices. I use their service for 11 months without knowing that they were secretly running my credit. I did not make any purchases for two months and they penalized me by decreasing the amount of my buying power from {$800.00} to {$200.00}. Then I made a purchase of a plane ticket paid it off before the second payment and was penalized again. So my buying power went from {$800.00} to {$89.00} with no negative payment history with the company. I often paid off multiple purchase agreements at the same time. So there is no reason for my credit to be pulled or my buying power to decrease. This was my second inquiry into my declining credit worthiness before I was told they are running my credit. I am positive I am not the only person unaware. See part of my chat history regarding this particular matter of the credit pulls below.
Me : I purchased a XXXX ticket through XXXX on XXXX XXXX.
Reference XXXX.
I needed to change flights so it refunded the ticket and repurchased on XXXX XXXX.
Reference XXXX.
I paid it off on XXXX XXXX. My available balance still shows as I owe {$110.00}, but my account says I owe {$0.00}. My available purchase power went from {$800.00} to {$200.00} for no good reason and now it's {$89.00}. Please help me understand.
XXXX XXXX ( Klarna ) : Thank you for explaining! As I can see you paid off all of your active purchases and there is no outstanding balance on your account. Your purchase power is the estimated amount you have left to spend with Klarna.
It is based on your credit history, your payment history with Klarna, and the total you owe Klarna right now.
We have implemented a change where your purchase power is calculated based on your credit history and not only payment history with Klarna. As a responsible lender, we want to put people in control of their spending. When we lend people money, we do everything we can to be sure they can pay it back without any stress. To do that, we make periodic changes to our lending policies.
XXXX XXXX Me : My actual credit history? I never gave authorization for My credit to be pulled by Klarna. It wasn't required when I signed up My credit history and payment history " with '' Klarna has been good so your explanation makes no sense XXXX XXXX XXXX : That is correct! We do not always perform a credit check on you, nevertheless, as a responsible lender, we want to make sure we're helping our customers make the right financial decisions for their circumstances. When a credit check is performed, we verify your identity using the details you provided and we look at information from your credit report to understand your financial behavior and evaluate your creditworthiness.
We will not perform a credit check on you when you are signing up to use Klarna and downloading the app. However, we will perform a soft credit check when : deciding to Pay in 4, preferring to Pay in 30 days or applying for Monthly financing.
According to this information, we will provide you with your estimated available amount for spending.
XXXX XXXX Me : That's illegal I never asked for monthly financing. The agreement was 4 payments and credit check " not '' required. There has to be an agreement to pull one 's credit. That was never given.
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| 06/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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On XX/XX/2020, I ordered a mattress from the company, XXXX, and opened a Klarna account to help finance the order.
On XX/XX/2020, I called XXXX Customer Service and spoke with XXXX. I asked her to cancel the order. I asked her how to cancel the Klarna account. She stated she would cancel the order, send me a confirmation email stating she cancelled the order, and that the Klarna account would also be cancelled. She stated it would be as if the Klarna account was never even opened. She sent me the confirmation email, and so I believed that there would be no account opened through Klarna.
XX/XX/2020, I received a text message from Klarna prompting me to check my balance. I went to the Klarna website, and was able to log into my account ( which should have never been created ) by entering my phone number. A code was texted to my phone, and I used the code to sign in on the app.klarna.com website. It showed that I had an account, and that the XXXX mattress order was cancelled.
I promptly called their customer service XXXX to close the account. The customer service agent told me he would send an email to his manager to close the account, because he does not have the authority to do so. I asked him to send a confirmation email that he would close the account. He also stated he did not have the authority to send me anything in writing to confirm that the account would be closed. Basically, he told me to wait for an email to be sent that would confirm the account would be closed, and that this could take 5-7 days. I wrote all of this down in my notes, and waited for the email.
XX/XX/2020, XXXX, I continued to received notifications about my Klarna account, which indicated to me that the account was NOT closed. I called customer service XXXX again, and basically had the same conversation as on XX/XX/XXXX. The Customer Service agent also told me that nothing had been posted to my account about the conversation from XX/XX/XXXX. I reiterated, " I would like you to close the account and send me written confirmation stating that the account is closed. '' He replied, " I do not have access to email to send you an email. I can not close the account. I can initiate a request to close the account. Check back in 5-7 days to see if the account has been closed. '' XX/XX/2020, XXXX As I was on the phone with the Klarna rep, I started a conversation with XXXX XXXX through their customer service chat ; Me : " Hi XXXX . I would like the account to be closed. It was never supposed to be opened, because I cancelled the order with XXXX after placing the order. XXXX confirmed it would be as if I never placed the order, an account would not be opened. '' XXXX : " I can send your information over to our account specialists. They'll email you a confirmation when the account closure has been completed. I am really sorry for the inconvenience, is there anything else I can do for you today? '' Me : " Two different customer service representatives have already told me the same thing, nine days have passed, and my account has still not been closed. Please close the account asap, and send written confirmation it have been closed.
Thank you. Yes, please send written confirmation the account has been closed. '' XXXX XXXX XXXX : " I just closed it myself just a moment ago that i can assure you but i sent it to the specialist team to finalize it. '' XX/XX/XXXX, XXXX, I have still received NO email or further communication from Klarn to confirm that they have indeed closed the account.
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| 04/14/2021 |
No |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I used a point of sale purchase arrangement with Klarna, a payment processing company. They have a feature where, with credit approval, you may use a virtual credit card for use when shopping with merchants on their network and have the purchase broken down into 4 installments.
Klarna has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of their merchants. I got pre-qualified for a spending amount with Klarna for XXXX XXXX XXXX, I had an approval to spend at least {$80.00} for a particular item. Klarna provided me a virtual card to use for said purchase at XXXX XXXX XXXX.
I then proceeded to use that card at XXXX XXXX XXXX the same day of issuance. XXXX XXXX XXXX accepted the payment and I got an order confirmation from them. A few days later, XXXX XXXX XXXX stated that the payment did not process with the virtual card that Klarna provided. I called XXXX XXXX XXXX and they had no idea who Klarna was, I spoke to payment and merchant processing supervisors and they, in turn, had no idea that Klarna a company, let alone a partner to XXXX XXXX XXXX. They advised I speak to the originator of the XXXX.
I spoke with Klarna. They stated they would look into it. They first asked me to call back XXXX XXXX XXXX and provide them with 6 digits of the virtual card number and an alphanumeric code to confirm that the card was valid for use. I called XXXX XXXX XXXX and they confirmed a number, but they asked for the expiration. I did not have that and Klarna did not provide me one.
I returned to Klarna, spoke with an agent on the phone and asked for further investigation. Klarna reported to me today that the virtual card they issued had expired and XXXX XXXX XXXX did not process the payment correctly.
I used the information Klarna provided, it was an electronic card ; I submitted it for payment at XXXX XXXX XXXX and XXXX XXXX XXXX accepted it and provided me a receipt and an order number. Then all of a sudden my purchase is declined and neither Klarna nor XXXX XXXX XXXX will accept any responsibility.
I am the one left holding ( no ) bag. Klarna confirmed that I was not charged, but that is almost beside the point. Why am I using a service that ( a ) issues virtual cards that are accepted under dubious circumstances ( used card same day, Klarna said it expired, XXXX XXXX XXXX processed it, issued me a receipt and confirmation ; Klarna provides me coded proof without an expiration number, XXXX XXXX XXXX demands that information ) and I am the aggrieved consumer.
Further, XXXX XXXX XXXX today still has no idea who Klarna is internally via communications to their payment representatives and yet, if you look at Klarna 's site, it lists XXXX XXXX XXXX and they have an application that allows you to pay conveniently with Klarna at any merchant, which is what I attempted and tentatively succeeded at doing.
Klarna and XXXX XXXX XXXX are pointing fingers at each other ( well Klarna toward XXXX XXXX XXXX ; XXXX XXXX XXXX has no idea who Klarna is ) and I am left holding the bag.
Klarna ran a credit check on me, they provided me a credit line and then conveniently tells me the credit expired >> I used their credit within the same day >>.
This is a CFPB violation and Klarna has thousands of merchants. How many other merchants like XXXX XXXX XXXX have any clue how this relationship works, one wonders?
Well one thing is for sure, they duped me and nobody is taking responsibility for the harm I suffered.
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| 07/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
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So, Klarna is somewhat a credit service provider. I assume it's safe to use that title. You can shop online and based on your purchasing power, you'll be allowed to basically put a down payment on an item and pay the rest in installments. My reason for this complaint is not pertaining to the actual purchase of anything, but how this platform is operating once you sign up and do take advantage of the opportunity to purchase items in installments. Today, which is XX/XX/2022, i received a notification from my the Klarna app that my order was delivered. When I clicked on the notification, it lead me to sign in. I could not sign in using my number nor email and kept receiving an error message which stated, " Something went wrong, please try again ''. This lasted from around XXXX p.m. up until now, which is XXXX p.m. I uninstalled and reinstalled the app, and still no resolution. I then went on my computer and was able to log in. When i logged in on my computer, I requested to chat with customer service. I explained to customer service the issue and they were basically clueless and told me to try to log back in on my phone in a hour. I did so and still no resolution. I went to log back in on my computer, and the same error i received from the app on my phone, I now received on my computer. i started doing some research trying to find out was anyone else having or issues or did anyone else ever had the same issue. Not surprisingly, I read complaints about the same exact thing I'm going through now. Now, I'm on an hour wait time call with them. The problem that I have and my complaint and initial concern is that my personal info, such as my credit card info, is attached to this platform and I'm unable to log in. In addition, the company has yet to issue any alert or notification that their system is down or anything. But, what I wanted to bring more attention to is that if no one is unable to log in, then how can one make a payment or manage their personal info, such as credit/debit cards that's linked to the platform. From the reviews and the negligence of the company, I suspect this to be a scheme to collect people 's information and charge people 's account without the customers being able to manage their payments. Also, if no one can log in to manage their payments, some may miss payments due to no fault of their own giving Klarna a reason to start applying extra fees for their negligence and unprofessional ethics. This company needs and should have been looked into thoroughly because no company the amount of traffic they have, and also a company on the stock market should not be this inefficient and unprofessional with the maintenance of their platform. I need to log in my account to manage my payments and then delete my account, but their way of handling and not handling things are fraud like. I'm tired of these corporations getting away with using us consumers and abusing our right to contract along with our privacy and nothing gets done. This is unacceptable and not lawful to say the least. I need a resolution as soon as possible because my personal info is locked into an irresponsive platform who is known to swindle people out of their money and I refuse to become the next victim. Please handle this situation accordingly.
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| 06/14/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Dear Sir/Madam, I am writing to formally dispute the debt collection actions taken by your agency regarding the debt allegedly owed by me. I have discovered numerous violations of consumer credit and banking laws, which have resulted in significant harm to my financial standing, mental well-being, and business operations. I kindly request that you address these violations, rectify the damages caused, and provide appropriate compensation for the distress caused.
1. Illegal Sale of Debt : 2. It has come to my attention that you unlawfully sold my debt without providing me with the required 1099-C form, both to me and the IRS. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Service ( IRS ) regulations, which explicitly require the provision of such forms in cases of debt discharge. I demand an immediate explanation for this violation and a remedy for the harm caused by your illegal actions.
3. Harassment and Scare Tactics : 4. Your attempts to intimidate and scare me into making payment through aggressive tactics, including threatening to sue me, are a direct violation of the FDCPA. Such conduct is strictly prohibited under federal law, as it causes unnecessary stress and distress. I insist that you cease all harassment and scare tactics immediately.
5. Credit Reporting Inaccuracies : 6. Your agency 's repeated and incorrect reporting of my account status has resulted in substantial harm to my credit score. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. As a consequence, I have been unjustly denied approvals for essential business-related matters, severely impacting my ability to operate my business. I demand the immediate correction of all inaccurate credit reporting and the restoration of my credit score to its rightful state.
I am well aware of my rights as a consumer, and I insist that you comply with the following national laws and codes regarding consumer credit and banking violations in the United States : 1. Fair Debt Collection Practices Act ( FDCPA ) 2. Internal Revenue Service ( IRS ) regulations on debt discharge and reporting 3. Fair Credit Reporting Act ( FCRA ) 4. National Banking Laws and Regulations Furthermore, I specifically draw your attention to consumer credit and banking laws applicable in the state of New Jersey ( NJ ) that protect consumers from unfair debt collection practices : 1. New Jersey Fair Debt Collection Practices Act ( NJFDCPA ) 2. New Jersey Consumer Fraud Act ( NJCFA ) I request that you conduct a thorough investigation into the violations outlined above and respond to this dispute within 30 days from the date of this letter. Failure to address and rectify these violations, as well as provide appropriate compensation for the harm caused, may result in legal action being pursued against your agency.
Please direct all correspondence regarding this matter to the address listed above. I expect prompt attention to this dispute, as well as a resolution that fully remedies the damages caused by your agency 's unlawful actions.
Thank you for your immediate attention to this matter.
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| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX personal electronic transportation vehicle. I was alerted that Klarna was available with a 24 month payment plan. I paid a {$79.00} deposit and financed the remaining {$1900.00} balance through their terms. I attempted to log into Klarna numerous times to view the repayment agreement and start making my payments. The repayment never showed. I attempted to call Klarna several times and was told there was not a record of my purchase. They advised that it could be due to the product wasn't delivered yet so to wait until it delivered and check my account after. The product delivered in XX/XX/XXXX. I checked my account and still nothing was available related to this purchase/repayment. I called again and was told they would review and contact me back. I provided my initial order information, but was still advised there was nothing available in order for me to make my payments. I received no help whatso ever through the calls. Until XX/XX/XXXX, I had received no calls or letters from Klarna relating to my purchase. Then on XX/XX/XXXX I received notice that I was now two payments behind and that " if we do not receive a payment of {$200.00} by your upcoming due date, it can mean that you have broken the terms of this credit agreement. This could result in your outstanding balance being sent to collections, which could affect your ability to obtain credit in the future. '' I immediately emailed XXXX with my reference number of XXXX. Someone named XXXX responded. They advised that since I was not able to log in using XXXX, then I needed to create a new account. I did as instructed in the email. I provided the new email address associated with my account and a message that I was not able to add the order number so that I could make a payment. I received no response to this email. I followed up again on XX/XX/XXXX with no reply. It is now XX/XX/XXXX and they letter indicated I had to make the payment by XX/XX/XXXX in order to avoid the credit penalties they threatened in the letter. It almost the time of month that credit reporting for the following month is reported and I am scared they are going to report me negatively at 60+ days late, even though I have made a numerous attempts to get my payments made. Not once was I ever offered to make a phone payment, but mentioned that I am not opposed to that if necessary but would like to have access to my account beforehand to make sure everything was correct, as nothing on this account seems to be going right up to this point. I have only been told to log on to my Klarna account to make a payment. If I knew this would have been the outcome of using them as a credit source for purchase, I would have just paid the full {$1900.00} balance myself to the company I purchased from and saved myself the interest and headache from this whole months long joke of an experience.
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| 09/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Klarna Dispute Resolutions I have waited patiently for someone to take this case seriously. XXXX 's Order no : XXXX. I have provided documents receipts from XXXX showing that I paid {$620.00} for a 30 in Smooth Surface Convection Oven on XX/XX/XXXX on the one time card ending in XXXX. Order number XXXX, invoice XXXX. Yes, I did enter the amount XXXX however your website assure customers if your purchase is for a lower amount on the one time card. No worries- youll only be billed for what you end up using. Payments will be automatically updated 14 days after purchase to reflect the amount spent on Klarna one-time card.
Well in my case that did not accorded, I am still being billed for the full amount. Yes, my payment is on pause until this can be dissolved. I have provided the telephone number to XXXX and I also provided names of supervisors that helped me with the ordeal at XXXX.
I dont have a problem paying however I only want to pay for want I spent a Lowes on this One time purchase, The receipts are very clear of the payment and its taken a whole month. Agents are asking me to contact XXXX. This isnt a XXXX problem, this is a Klarna glitch in the system and no one is helping with this case.I want to make sure that my Creditor XXXX XXXX XXXX XXXX, UT is paid in a timely manner.
This ordeal started on XX/XX/XXXX with XXXX XXXX ending in XXXX {$840.00} on a Klarna one time card. Stove arrived damaged on Thursday, XX/XX/XXXX and I called XXXX to get the 25 % discount on the damaged item. XXXX refund XXXX ending in XXXX {$840.00}. So I had to reissue another card Loan ID : XXXX which the Klarna system refused to process saying payment was too small of a payment. I canceled this card immediately. That is when I placed the third one time payment for {$880.00} card ending in XXXX to pay XXXX for this item ( stove ). This whole process has been a nightmare. If you review all the details, XXXX starting XX/XX/XXXX. Maybe this could help the process.
If you need to call XXXX please call them at which I provided the number that is on the receipt. If you need to address me please call me at XXXX. Emails are not good for me because I dont see the email until two days afterwards.
I have also included 20 pages from XXXX and with all details on this case.
The payment was placed on pause while they looked over the information I provided several times, I have address agent XXXX and XXXX through email only, with no success.
I received a email today they are adding an additional charge for outstanding balance on this order is {$880.00} including interest of {$7.00}. Which this payment is on pause how are you charging interest.
Thank you
|
| 05/10/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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On XX/XX/2021 I placed an order with the merchant XXXX and used Klarna as the form of payment. Klarna stated that I was approved and the payment was processed and the transaction was complete on XXXX website. On the XXXX of XXXX I recieve an email from XXXX stating my order has been canceled. I contact XXXX and they respond on the XXXX of XXXX that my order was canceled by klarna due to " suspected fraud ''. I have made multiple attempts to get answers from Klarna starting on XX/XX/XXXX using their in app chat feature. The first representative told me that I should be able to place the order and to try again since I was approved. I did try again only to be told on the merchant site that was not an option available to me. I went back to the chat feature the same night and spoke to another representative that told me to call into klarna customer service the next day that it was maybe a technical issue. I called Klarna the next day. I was not given any information just told someone from the account services would contact me. They never did. On XX/XX/XXXX I recieved an email from XXXX XXXX a Service Specialist apologizing for the delay and stating that someone would be reassessing the matter. On XX/XX/XXXX I reached out to XXXX again and they tried to reach out to Klarna to get clarity multiple times since. On XX/XX/XXXX I replied to the email from XXXX XXXX at Klarna and she still could not give me any information of the " suspected fraudulent activity '' on my account and they still have not tried to verify my identity with me. XX/XX/XXXX XXXX XXXX responds and we have back in forth most of the day. I ask for her supervisor or upper management and she refused. I asked to have my matter escalated and she refused, I told her there are laws and regulations against this and if credit is denied they have to say why within so many days. She hides behind the fact that my credit was approved. Well is it really approved if you then cancel my transaction for " suspected fraud '' and never attempt to verify my identity. XX/XX/XXXX, 20201 I also call Klarna customer service again and get the same run around. they tell me they can't transfer me and that there is no supervisor for me to speak to. The answers that I want can only come from an account specialist and I can't speak to one. They will only contact me if the flag is removed I will get an email. To make matters worse, I have placed other orders using klarna with the same information and they were not canceled. There is no reason for this flag that has been disclosed to me as the consumer I have a right to know if my information has been compromised.
|
| 07/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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XX/XX/XXXX.
XXXX placed XX/XX/XXXX with Klarna- this is an order that was split into 6 monthly payments. Each amount typically totaling to {$41.00}, but things are bound to change due to Klarna 's price manipulations. But besides that, there has been an issue with this order, the quality of the item not being up to par nor meeting the standards of authenticity. I reported the issues to Klarna. They said get in contact with the merchant while the installment was supposed to be paused by Klarna back in late XXXX. Efforts have been futile with both sides so I'm in a dilemma with not having a satisfactory order. I've also been getting alerts on the app that the payment is due on XX/XX/XXXX. Nonstop the order is due, the order is due. Etc etc. On top of that- for this order.. they said on the app that I owed XXXX. Now the price of what they claim I owe for this order is at {$79.00}?? It's all unacceptable & not the first nor last case with Klarna doing this to people.
Order placed XX/XX/XXXX with Klarna - This is for a merchant I used a Klarna card with. The merchant ( XXXX XXXX XXXXXXXX ) sent me items that were far too small for a person of a tall and big build like mine. A handful of times I reached out to that merchant, without needing to be told the obvious thing to do. With no avail, I told that to Klarna and they told me to reach out to the merchant. Months later, it is the same thing. They claim to pause these orders but then decide to add new prices into the installments that were never agreed on nor has it even been warned about either. I've spoken to their specialists who have claimed to want to help but they have been no help at all, it's all like robotic-like responses. They tell me to provide them the information, I provide them the information. Several days go by after they supposedly review it, the dispute goes away and then they try to charge me again. No humanity on their parts at all. I've tried to ask for a manager too, or some higher up of their corporation but, instead a chat agent for their Klarna app, by the name of " XXXX '', decides to close the chat on me. They don't look to help, when hiccups come about with orders. Instead, they look to squeeze any kind of money they can from people, when issues come about- most especially when it falls on the merchant 's negligence of responding back and or them telling you to get in contact with the merchant, meanwhile they never tried to get in contact with the merchant themselves as well.
The screenshots I attached are meant to show the discrepancies of what they're trying to charge me.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
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Web |
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I have used Klarna services for the past 4 years and recently their reposnses have not resolved the issue. They have been generic copy and paste ( evident by my very clear issue being explained and the responses have nothing to do with the issue ) and not one supervisor has responded. As of XX/XX/23 I can NOT MAKE any purchases with Klarna. It is DISINCTIVELY saying that my identity can not be verified. Which is IMPOSSIBLE because A ) I made 2 purchases that week with no problem. B ) Its the SAME exact card and information. C ) I have been a customer for several years D ) Circles back to point A, how can SUDDENLY they cant verify my identity and Ive made 2 purchases that week and a customer for several years?
To make matters worse, customer service is of NO HELP and provided me generic responses ( which I know are saved and used to help customers with the same common problems ) but serves no point when it has NOTHING to do with my problem. I was told the following responses 1. You dont have any purchase power- No, you CLEARLY did not read what I typed because my available purchase power was {$900.00} EXCLUDING my current and recent purchase of {$130.00} 2. You have the wrong personal information- No, I do not. NOTHING HAS CHANGED if I am REGULAR CUSTOMER and made 2 RECENT PURCHASES IN 1 WEEK.
3. Transunion needs update your information- No they do not! They have the same information you have and I have ACCESS to my report 24/7. I even called XXXX and they not only verified what I see when I log into my XXXX account, but emphasized that the problem is on Klarnas end.
4. Uninstall and reinstall the app. Did not work 5. Delete and reconnect your banking information- The SAME EXACT INFORMATION for the pass several years? I did it and it did not work.
6. A manger will reach out but it will take 11 days What TYPE OF RESOLUTION IS THAT? 11 days for someone to call and reach out? It is XX/XX/23 and NOT ONE Person has reached out to fix it.
By the screenshots below you can visibly see the error I am getting is SPECIFICILLY about my identity which again makes no sense when I am a repeat customer and used the service several times in 1 week. How is that SUDDENLY my identity cant be verified? One agent even mentioned that it is an communication error on their end and should be fixed, but give it several days. It does ludacris and STILL not resolved. This is an error on Klarnas end and the fact that I have EXTENSIVE SCREEN SHOTS indicating what the issue is and the senseless uniformed responses are insulting. I want my account FIXED.
|
| 01/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
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I originally visited the XXXX XXXX website to purchase plane tickets via XXXX XXXX. We paid for this purchase using your platform, Klarna. Unfortunately, my XXXX passed away suddenly, so we had to cancel our travel plan to start the process of planning for a funeral. I sent an email request to XXXX XXXX on XX/XX/2022, to cancel and refund. We were advised by XXXX XXXX that we could use the airline credit at a future time to book other tickets. We contacted XXXX XXXX to utilize the credit and were advised we can not use it, as XXXX XXXX purchased the ticket utilizing foreign currency ( not USD ) and the representative advised XXXX XXXX never submitted the Cancellation Request before the flight, so I could not use the credit as it was voided.
XXXX XXXX advised since XXXX XXXX did not cancel my flight and did not pay in USD, I could not and would not have been able to use the credit in the future. I have sent multiple emails to XXXX XXXX with no response. I have been emailing for 2 months. I tried calling their customer service number XXXX directly but their automated message says " our phone lines are closed '' and hangs up.
I opened several disputes with Klarna who refused to have XXXX XXXX reimburse me, and kept asking me to reach out, stating " they responded to them quickly ''. Of course they responded to you quickly, you're their XXXX party vendor. I have made several attempts over the months to get refunded. XXXX XXXX has refused to respond to any of my emails, their phone lines do not work, Klarna is refusing to reimburse me. I have sent Klarna emails from Department of Transportation, confirmation email from XXXX XXXX stating XXXX XXXX did not follow protocol so there's no flight to be used for a future flight, my cancellation email conversation with Klarna ( the only time they every responded - once I told them I couldn't use the flight credit like they said I could, radio silence ). It has been 7 months, no flight has ever been taken - AA said I have no flight credit ( still ), Klarna is refusing to make XXXX XXXX reimburse me ( even after all the evidence I have provided ), and I found account today XXXX things ; ( XXXX ) they attempted to debit my bank account twice while my account as in the dispute status ( even though I was told by their agent that payments were paused ), which caused XXXX overdraft fees ( XXXX ) they also illegally sent my account to collections while it was in the dispute review process, without prior notice.
I am filing a complaint with XXXX, CFPB and my local state authorities.
|
| 04/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I am submitting a complaint against Klarna & XXXX for wrongfully attempting to collect debt for an item I never even received.
I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a Klarna prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase.
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX.
Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''.
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door.
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package.
I waited a few days before reaching out to XXXX to resolve the issue.
I was told that I could not receive a refund because the order marked delivered.
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery.
I reached out several times to XXXX before reaching out to Klarna to dispute the charge. The Klarna transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX.
I kept getting sent in circles by Klarna for months as we went back and forth regarding the issue via email.
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, Klarna kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''.
Almost a month later I received an email on XX/XX/XXXX that Klarna has reported me to a collection agency for a purchase I did not receive. Klarna failed to notify me that they were sending me to collections for a purchase I did not receive.
Klarna did not help me with this issue as I reached out multiple times for assistance.
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ......
*AGENT # 1 ......
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face.
*AGENT # 2 ......
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in.
Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.
|
| 07/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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|
Web |
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|
On XX/XX/XXXX I ordered a XXXX ( gym equipment ) from an online store known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, I paid {$340.00} via a Swedish financial company known as Klarna for this item. I never received an email confirming my purchase from XXXX so on XX/XX/XXXX I filed a dispute via Klarnas app. They recommended I email the store support line. The only time Ive been able to get a response from XXXX was on XX/XX/XXXX in which they said, we are experiencing unusually large volume so orders may be delayed 2-3 days. I continued to email their support line on XX/XX/XXXX and XX/XX/XXXX with no response. I have since emailed their support line countless times without any response. Klarna told me to wait for their investigation team to reach out to the vendor, but on XX/XX/XXXX I ended the dispute. I did this because I had messaged with multiple Klarna representatives from XXXX XXXX XXXX who all gave me the impression that there was nothing they could do to compel the vendor to send me my item. Ultimately, I dont even want the item I ordered anymore, I just want my money back. Well this morning after emailing with a Klarna representative regarding my issue, a rep named XXXX said, ( direct quote ) As we act as a financier in transactions, Klarna is not in any way responsible for the goods or services you order or purchase from merchants, including, without limitation, the quality of such goods and services and how and whether such goods or services are delivered. Please also see our Terms & Conditions that were agreed to upon using Klarna.
You are welcome to re-dispute the order, but Klarna is not liable for the order delivery.
So basically Klarna took my money the vendor they represent has dropped off the face of the earth and now Klarna is saying that they have no responsibility in the matter whatsoever because I signed their terms and conditions. This is extremely predatory and I feel as if I have been scammed by a large financial institution. XXXX XXXX XXXX is also an abomination, but I dont even know if Klarna forwarded my money to them at all. Ultimately I just want my money back. But I also believe other consumers have the right to know that Klarna conducts business in such a predatory manner.
Ive considered taking Klarna/XXXX XXXX XXXX XXXX XXXX claims court, but I dont have the money or time for that. Please help me.
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On Friday XX/XX/2022 I attempted to change my email address with Klarna, they advised it would take two business days.
I received a push notification on XX/XX/2022 around XXXX AM that I had a message on the Klarna app. I went to see what the notification was and it logged me out. I assumed it was due to the email change, I received no notification either way. I attempted to log in with both my new and old email, both options didn't work, so I called Klarna customer service. I explained what got me to them, that when it asked for a phone number to verify, their system gave me an error. Customer service was confused why I received the error, was not confident in how to fix it. Ultimately I was advised the email change may take an additional 24 hours to wait before trying to log in again.
On XX/XX/2022 I called as my attempt to log-in continued to be unsuccessful. I received an error message just as before when the verify phone number screen was presented. The customer servicer representative XXXX told me that she wasn't sure why the error message was presented to me. She advised there was several things we could try.
I am paying nearly 30 % interest, with automatic payments being debited from my card. I should be able to change my email address without having to jump through hoops, and if I do, I am able to do so with confidence. Klarna had XXXX confidence in helping me get me on my way. One solution was to text Start to a short code XXXX. That didn't work. Waiting as I was instructed for 24 hours didn't work. Another path too fix my issue was verifying my identity with a third party app with taking a photo of my passport and drivers license. No disclosures were provided from the third party app or how my information was going to be handled was provided. This certainly wasn't the process in signing up through XXXX when my relationship with Klarna began.
When I asked to speak to a manager in hopes I could get the issue resolved with confidence, I was told none were available. I don't receive a normal statement in the mail, email etc. They certainly weren't wanting to help with discussing when I have a payment automatically drafted while waiting to get back into my account. If I am unable to pay on my account, & access my account to make decisions, or be advised with confidence, then this company shouldn't be in business.
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX a payment for my XXXX purchase was an issue due to card not processing. I immediately fixed it and the payment went through. at that time I realized my available purchase amount as not able to be seen. I contacted customer service through their online chat and was told it would update in a week, the payment just needed to process. I waited two more weeks and still nothing was showing and the available amount was actually decreasing but unable to be used either. I contacted them again in XXXX after it was roughly two months of it's a system error, it will update correctly. During this time I was being told I had unpaid balance when trying to use the payment service at checkouts, when I would go to my account there would be no issue. Finally in XXXX I contacted customer chat again and it was escalated for the third time. I was told it would take 48 hours for a response, it took about a week. Now a supervisor is telling me due to account activity I am no longer able to use XXXX, which came as a shock to me. I explained my confusion, only to be sent a generic response that didn't even answer my confusion. I immediately called their customer service line, after waiting for 2 hours collectively, first called " dropped ''. The rep couldn't give me a straight answer on why my account was blocked. I asked to speak with a supervisor, and the supervisor refused to speak with me and told me to contact the credit bureaus to fix my issue. I was very confused and asked the rep how would the credit bureaus know what to do with their company error. He responding not knowing but that it was a credit bureau problem and I had to call all 3, I asked what I would be saying and he literally couldn't give me direction. at this point i knew i was being given the run around. I finally reported this to the Better Business Bureau, only to have Klarna respond that 3 years ago I had an unpaid balance which they paid and due to that I can't use their service. I just want to state that balance was paid, and I have been using Klarna for the past 7 months with about 20 purchases all successfully paid. This company is unjustly blocking my account and instead of being honest finding any reason to not assist me. I also want to point out to this day it says i have an unpaid balance if i were to try and use it, but when i go to the app i owe nothing.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had a Klarna card payment of {$200.00} due on XX/XX/XXXX and this payment was set up on autopay. I went to the klarna card website and selected that XX/XX/XXXX payment specifically and was able to choose each installment that was part of that payment that I wanted to pay early on XX/XX/XXXX. I have done this before and the automatic payment will adjust to reflect the payments that I paid early. This did not happen in this case. I thought it odd that I didnt get the emails that I usually do when I pay early. On XXXX the XXXX the installments that were part of the Klarna card payment were deducted ( not pended ) from my bank account. Then on the morning of XX/XX/XXXX I noticed that the {$200.00} was pending and reached out to Klarna support via chat. I explained to the age that I did not owe the {$200.00} and that I made $ XXXX in early payments so I should only be drafted for the balance which was {$81.00}. The agent assured me that the pending charge would adjust to the correct amount. Not an hour later that {$200.00} charge was drafted from my account and was no longer pending. I reached out again no less than 5 other times by chat and phone as well as filing a complaint with the XXXX XXXX XXXX. I was asking that the additional {$140.00} payment which was made in good faith to be allocated to the payment due on XX/XX/XXXX be returned since they drafted the {$200.00} anyway. I advised them that I wanted to fix the situation because if I disputed the charges with my bank my banks position is that its all fruit from the same poison tree so they were going to reverse the {$200.00} plus the {$140.00} and they will block Klarna so they can never debit my account again for any reason. Meaning that Klarna would get nothing. I did not want this to happen. I only wanted a resolution that would have them keep the funds that I owed them, I would get back the funds that were part of an eary pay for that payment and I could resume making payments for any other balances owed. Klarna 's response was that they were keeping all the funds and if I wanted my money back I needed to dispute with my bank. Putting me in a position where I have no other means to pay them if they will be forever blocked from debiting my account. When I brought this up I was told they would just send me to collections.
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint is in connection with previously filed complaint ID # XXXX.
KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ).
On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares...
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions.
One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I brought a ticket thru klarma company who told me they a lender meaning we not responsable for any purchase the customer brought so I used klarma credit card which is the Chanel to buy ticket thru XXXX and that XXXX charge full amount of the ticket to klarna and klarma charge me some deposit in 4 payment so in XXXX XX/XX/23 I brought a ticket thru klarma used the credit card provide me the ticket {$310.00}. I had XXXX in the same day XXXX XXXX so I brought the ticket for my husband to be present into the XXXX XXXX XXXX to support me was my surprise he flight in the same day and supposed to arrive at XXXX XXXX from XXXX to XXXX ca so into 24 hour the agreement can cancel but I waited 4 hour to check in online but for the surprise not seat assignment only reservation so I call XXXX customer support explain them so XXXX explained me call XXXX XXXX I was waited Lis en music finally answered explain my situation my husband had and they let me know 2 hour before so I explain to customer services in XXXX XXXX I had emergency situation and I need verify the seat for my husband he explained me he can provide anything due the gate already had control of the flight so the csr explained me cant cancel either provide any seat assignment so my husband waited and waited and the flight departures and not seat only reservation but this is the funniest part CSR promised refund expect he full amount of the ticket and until today klarma sending me back for from XXXX thru XXXX airlines And forced me to pay for no service already explained to them a tones of emai screenshot and email what happened and now want me deal w the airline and wash there hand w the excuse they are the lender I explained myself too many CSR from klarna I not received no services only reservation but never take place to seat my husband still w excuse to saying they not responsable for the inconvenience and want me to call every day but now 7 weeks past want me charge. {$310.00} full amount without receiving any services so for the reason the credit card they wrong balance and dont want fixed the own mess after my husband not coming no service no seat force me excuse to said they not responsable for this mess and want me pay and still call XXXX who tell me call XXXX airline and them call klarma iam sick of this
|
| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I completed a loan agreement online with Klarna at XXXX XXXX on XX/XX/2021 for a total of {$3300.00} at 0 % interest to purchase a massage chair from XXXX XXXX XXXX. Terms were {$94.00} down payment, 35 payments of {$91.00}, and a final payment of {$91.00}.
At XXXX XXXX that day, I received an email with a loan plan attached that had different terms that the ones I agreed to : {$400.00} down payment, 35 payments of {$83.00}, and a final payment of {$83.00}. They also immediately placed a hold on my debit card/checking account for the {$400.00} down payment.
Although the total amount to be paid is the same, they changed the terms of the loan without my knowledge or agreement. Fortunately, I had {$400.00} available in my checking account, so I did not bounce any checks.
At XXXX XXXX on XX/XX/2021, I initiated a chat with Klarna to find out how they could illegally change the terms. I supplied them with PDFs of both Truth in Lending Disclosures, along with a screenshot of the hold they placed on my account. When they finally understood my issue, they said they were upgrading it to a specialist who would contact me.
On XX/XX/2021, the {$400.00} charge cleared my bank. At XXXX XXXX on XX/XX/2021, I finally received an email response from Klarna, which incorrectly stated that I had reported a problem with my order with XXXX XXXX XXXX and that they have paused my payment schedule. So I used XXXX to find a Klarna customer service number ( XXXX ) and spoke with someone there. She had no answers for me, could not transfer my call to the specialist department, and said that that department would contact me in the same time frame as previously, i.e., about 3 days.
Fed up with Klarna, I called XXXX XXXX XXXX and spoke with customer service there. I asked them to charge my credit card because I didn't want to deal with Klarna any longer. XXXX XXXX charged my credit card the full amount, and refunded and cancelled the loan with Klarna. Klarna then emailed that they would refund my {$400.00} within 7 days.
I recommended to XXXX XXXX that they cease doing business with Klarna due to their deceptive lending practices and incompetent customer service. However, I am still concerned that other Klarna customers may have their loan agreements changed after acceptance.
|
| 03/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX
After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX.
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back.
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX.
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX.
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees.
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience.
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX
|
| 12/23/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Greetings : I am writing to issue a complaint against Klarna Inc. for its deceptive and bait-and-switch practices. I had issued a complaint with the XXXX, but they could not make a determination in my favor because Klarna did not provide me with anything in writing pertaining to my account, except for a statement which was not sent to me. On XX/XX/2021 I made an XXXX purchase ( from several XXXX shops ) totaling {$670.00}. Klarna offered me 12 months zero interest, as long as I kept up my payments. In XXXX, I was trying to navigate the Klarna app and my automatic bill pay was shut off, which I did NOT intend to happen, and this resulted in a late fee AND loss of my promotion. HOWEVER two supervisors have also written to me saying that the promotion was never added to my account because I didnt qualify, even though I was approved for a {$1000.00} credit limit through Klarna XXXX Klarna did NOT divulge anything about my not being eligible for the promotion. They also didnt divulge that my promotion was removed due to a late payment.
So which one is the REAL story? I honestly dont know. But the point is, Klarna did NOT notify me when : A. I didnt qualify for the promotional offer of 12 months zero interest ( see attachment of the screenshot I took when I accepted the offer ).
B. I LOST my promotion because I lost my auto pay, which resulted in a late payment/fee.
NEITHER scenario is acceptable and as I said, I dont know what the truth is. I am disputing any and all interest and late charges associated with my Klarna account. I did not agree to the interest rate of 19.99 %, which was added to my account instead of the promotion I agreed to 12 months zero interest, and thats what I expect. My bill has been half paid off, and I owe Klarna {$370.00}, NOTHING MORE. This has been going on since XXXX, and I am livid about being deceived by Klarna XXXX Inc. Im not sure why they have an A+ rating on the XXXX website, because the complaints from customers against Klarna on the same website ( XXXX ) are EXTENSIVE, and average 1.4 out of 5 stars. This is unacceptable and I will fight this absolute injustice.
|
| 07/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Early in 2021 I decided to use Klarna to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to Klarna. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments.
In the meantime, after the fairly positive experience, I made several other purchases using Klarna. Their app aggregated the monthly payments of the various transactions I made using Klarna. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase.
Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If Klarna had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. Klarna did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, Klarna continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well.
They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.
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| 10/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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I have attempted to use Klarna to make several small purchases. Each time despite showing plenty of " purchase power '' in the app, the transactions have been denied with generic errors that are not helpful in understanding the issue. I have followed all of Klarna 's instructions at XXXX : XXXX, but most do not apply ( as I've never been able to make any transaction, including small ones, thus I can not be a customer for longer or show a pattern of successful repayment with them ). I have linked a bank account and XXXX credit card payment methods, the addresses of all institutions match, etc. When I contacted their online customer service on XX/XX/2023 ( the only option available ) they incorrectly stated that I have a bankruptcy on file which is why my transactions are denied, and they referred me to XXXX. Because this is not correct, I asked how to request that they review their records, clarify the information with XXXX, appeal, etc. and each request I was told to contact XXXX. I have since contacted XXXX and reviewed my credit report in detail, and no such bankruptcy exists ( and it never has in the past ). In fact, there is no derogatory information on file at XXXX of any kind. There appears to be no way to inform Klarna that something is wrong with their information or the processes that are reviewing the information they have. The only possible explanations here are that ( XXXX ) the customer service agent was incorrect or telling me the wrong information, which would still leave some other problem, ( XXXX ) Klarna received incorrect information that I am not able to find as it does not appear at XXXX ( perhaps they got my record confused with someone with a similar name? ) or ( XXXX ) that Klarna is misinterpreting some other piece of information or otherwise erroneously coming to this conclusion. I found a mailing address for Klarna but they make it clear it is for " regulators only '' on their website and thus I am unsure of any other way than going to CFPB to resolve this issue, as their customer service agents are unwilling to even ask for further review.
|
| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I ordered a XXXX coat online on XX/XX/XXXX paid for it with Klarna at checkout totaling XXXX XXXX reference # XXXX store order reference # XXXX. I made two payments the first one was XXXX on XX/XX/XXXX and the second and final payment was XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a email claiming my order from XXXX was delivered. I got home Sunday morning which was XX/XX/XXXX and looked for my package nothing was on my porch or the mailbox or on the side of my house by the garage. I called XXXX on XX/XX/XXXX and reported that I dont have my package the lady on the phone put in a ticket to investigate my claim and said once it leave their warehouse they are not responsible. I also reported this to klarna XX/XX/XXXX. Klarna contacted XXXX about my claim that I didnt receive my package. Meanwhile I contacted the post office that supposedly delivered my package. The lady at the post office show me a map of where my package was delivered. I told her that was not my house. They delivered my package to someone else house. The post office told me they were going to go and get the package back from the house they delivered my package to. I went home and went back to the post office the next day. They claim no one answered the door. Then the lady tells me they are not responsible for misdelivered packages. So I guess Im supposed to just take a loss for something I paid for. XXXX finished their investigation claiming my package was delivered and told Klarna my package was delivered. After going back and forth with Klarna and XXXX on XX/XX/XXXX I had no choice but to dispute with my bank cause I never received my package and no one wants to take responsibility for my package being misdelivered. My bank did an investigation and refunded me my money. Now Klarna is trying to rebill me for something I never received and have added late charges. I have paid everything I owe klarna. I have told them I never received my order just because the post office marked my package as delivered doesnt mean it went to the correct house. I will not pay for something I never received.
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| 04/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Original Purchase {$370.00} XX/XX/XXXX through XXXX ( line of credit account through Klarna ) Klarna.com - Payments ( account website ) I made payments made timely with no late payments. My personal email ( unrelated was hacked ) and I deleted the account immediately as it was affecting other open credit accounts. It was an urgent issue Klarna uses only your email address for logging into your personal account. I called and told them I needed my account updated for new email address. I was told to make a new email address and that updates could not be made to existing accounts. When I set up a new account and called back - I was told - KLARNA would need to set up a new account and to give them a THIRD email. I asked for final balance and to just pay by phone right then. They do not accept payments by phone and can not email an invoice or statement so I only could get bill pay information and final balance via email in writing.????? Ok, fine. Balance according to them? {$65.00}.
Final payment due : XX/XX/XXXX Final payment sent via bill pay ( before due date ) XX/XX/XXXX Late Fee notice sent via physical mail : XX/XX/XXXX Statement with INTEREST NOW!!! via physical mail : XX/XX/XXXX Late fee was because my payment was SHORT?? by {$2.00}. Why? Because ACTUAL balance was {$67.00}. Hence, {$2.00} balance, late fee, interest ( even though payment not late, amount in writing from Klarna and STILL NO ACCESS TO MY OWN ACCOUNT TO CONFIRM MYSELF.
Call/email Klarna : XX/XX/XXXX STILL HAVE NOT UPDATED ACCESS TO ACCOUNT : told me would waive late fee but no confirmation number, no email confirmation and can not talk to anyone else. But need to send Bill PAYMENT of {$4.00} ( wont cover their error or interest ) Meantime, my payment will be late in 6 days ... guess what their solution is? Wait 7-10 after I send the payment, then call back and if there is another late fee - they will waive again ... ... .what happens if more interest happens?? This goes in a loop. This is fraud and stealing.
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| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right.
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it.
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it.
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it.
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it.
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it.
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time of the delinquency, please remove it.
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove it.
Account : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it.
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
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| 03/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
Older American |
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On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed.
I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email.
What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month.
I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.
I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.
My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance.
I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna.
Thank you XXXX XXXX XXXX
|
| 07/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
online purchase was made for item.
Opted to use 3rd party payment plan service through KLARNA. Four installments Paid first two installments -received merchandise ; wrong size.
Processed return of merchandise back to the seller XXXX.
Both the seller and the 3rd party payment processor KLARNA informed that merchandise was returned and customer is due refund.
XXXX processed a partial credit. ( refund ) which was then used along with remaining balance owed to repurchase item in full.
The second time around purchase was made directly through the seller XXXX without the use of the 3rd party payment plan especially since XXXX provided the store credit upon receipt of return.
Item paid for in full directly with Seller. Transaction and sale complete.
Then KLARNA 3rd party payment processor continues to put transactions through bank account and continues with original purchase despite refund and return of original item.
Klarna was notified directly that purchase was complete directly through seller and was strictly forbidden to process anymore transactions. Despite this request they illegal drafted anyway. {$37.00} - and attempted further drafts.
Transaction reported and disputed with my bank, Card closed.
KLARNA attempted a final installment and refused to refund the {$37.00} that was drafted without consent.
XXXX complaint filed. CFPB complaint filed and transaction disputed with XXXX XXXX.
KLARNA has submitted false debt claim to third party collection agency who is now harassing through e-mail daily.
Require reimbursement of unauthorized transaction and cease all further collection activity.
Any attempt to impact consumer credit report for alleged debt will be met with full legal action taken against all parties involved.
This debt is false and not owed.
USC 15 1681 - coded laws will be implemented in course of legal remedy if KLARNA or XXXX XXXX XXXX persist in any further collection activity.
XXXX
|
| 05/05/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
On XXXX, XXXX, 2020 I purchased a XXXX computer and queried about financial assistance to which I was referred to " Klarna, '' as a credit company they could use to set up payments for a total of {$1300.00} The installments were to be {$81.00} to be made on or before the XXXX of each month, and so far I have made three payments for XXXX, XXXX, and XXXX without trouble. Days before XX/XX/XXXX I attempted to make another payment online using the same method as I did on the other three payments. The same " username '' and " password '' would not get me in to the payment section of the website. Then a menu came up, requesting that I re-establish my account, and start all over with a new " username '' and " password. '' It requests only my email and indicates that it will send me a code. The code shows up in my email but when I enter it on their website, code entry field it just takes me back to re-registering an account again. I go in circles and get nowhere on this site. So of course, I try to pay over the phone but the representatives on the phone say they are unable to take payments. I asked them to mail me a statement and I would pay the entire balance just to end business with them. It has been two weeks and nothing. They were nice enough to take the late payment fee off, during the conversation today, XX/XX/2020, at XXXX XXXX.
The whole issue is, I simply want to do right and pay them and I don't know how, and I don't want it to have a negative impact on my XXXX XXXX, or incur more late fees. I have never run into a situation like this with any creditors so I am stuck, wanting to resolve this. I want to pay my remaining balance, {$1100.00} XXXX the original {$1100.00} - {$25.00} late fee the representative was kind enough to take off, after the quote ) in full. Again, the ending balance as of XXXX, XXXX, 2020 XXXX XXXX XXXX is {$1100.00}.
I need some help with this one, yours, XXXX XXXX XXXX.
|
| 09/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
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Throughout the month of XXXX, I attempted to purchase concert tickets with my Klarna credit. My statement says I have a {$3000.00} credit limit. I go through their app and attempt to make a purchase and I'm denied. The denial says it's due to payments are behind. This is not true. I chat beginning XX/XX/XXXX with their online rep and the first rep says that they need to escalate. I get to an " escalation agent '' she proceeds to tell me that my account is frozen due to fraud. I ask what type of fraud, who is reporting this, who initiated a fraud claim, and why wasn't I notified if my account was breached? She proceeded to say that she wasn't a liberty to give me this information and that another " escalation agent '' would be contacting me in 24 hrs to give me more details. I never received the call. I placed a 2nd call on XX/XX/XXXX to their customer service team and was now told that there wasn't any fraud on my account and that the previous agent was incorrect. I now needed to possibly make an additional payment on my account ( which I already had done based on a bot chat ) but he did say that within 24hrs another escalation agent would reach out. No one ever did. I placed a third call on XX/XX/XXXX to inquire on why I hadn't received a call. This agent now repeated that there is a fraud flag but I could have this resolved by connecting a bank account to my profile and this would clear the error. I did this and still my credit is being denied even though my statement shows I have credit. I attempted again on XX/XX/XXXX and I'm being denied. I spoke with on online agent and he referred me to call the customer service team again. I've literally spent hours trying to resolve this issue and can not get anyone to explain A ) the fraud in question B ) is this the true reason I'm being denied the credit that was extended C ) which of the agents are correct D ) can not get a call back.
|
| 05/22/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Consumer Financial Protection BureauXXXX & KlarnaLetter of ComplaintNever Received Numerous Refunds ( # 1 ) XX/XX/XXXX Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.
I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds.
Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.
My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them.
I look forward to hearing from you very soon. I appreciate your time & attention to this matter.
Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) XXXX XXXX ( CEO ) XXXX XXXX ( CEO Chairwoman ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ...
XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 06/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service.
The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service.
For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved.
I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX
Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products.
At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system.
My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My SIM card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX account, Klarna account, XXXX XXXX accountXXXX XXXX accountXXXX XXXX XXXX account, XXXX XXXX account and credit card, XXXX credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on Klarna using my XXXX credit card. I did not make almost {$100.00} on After pay using my XXXX credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through Klarna and XXXX XXXX This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.
|
| 01/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX, I made a purchase of two items on Wayfair.com for a total of XXXX USD ( Order Number XXXX ). I agreed to use the service of a company named Klarna, which offered to lent me the money for this purchase and allow me to repay in 4 bimonthly installments of XXXX USD each with no interest.
I returned one of the items ( original cost of XXXX ) to wayfair shortly after and the confirmation of the return was received on XX/XX/XXXX by that company.
XX/XX/XXXX, Klarna contacted me to let me know that a return had been reported and payment schedule paused.
XX/XX/XXXX : Klarna emails that there is no confirmation of return from XXXX had been received. I responded with the information they requested to confirm such return.
XX/XX/XXXX : Klarna writes that they received formal confirmation of return from XXXX and informs that a refund for the payments made will be scheduled for the next 5-7 business days.
XX/XX/XXXX : XXXX issues refund for XXXX USD to Klarna and emails me about it.
XX/XX/XXXX : Klarna takes XXXX USD from my account XX/XX/XXXX : I email and inform them of the mistake, and request a refund for the XXXX payments ( XXXX USD minues the cost of the XXXX item I kept, for XXXX USD ) XX/XX/XXXX : Klarna informs that a refund for XXXX USD has been issued and to expect it within the next 5-7 business days and ends with a note of " no outstanding balance due ''.
XX/XX/XXXX : I email explaining again that the refund does not correspond to the amounts that must be refunded, and that instead, they just withdrew XXXX. They repeat the answer from the previous email and suggested me to contact XXXX for the return.
XX/XX/XXXX and XX/XX/XXXX : Klarna writes requesting me to contact them only if I " have new information regarding this matter '' Klarna never refunded the XXXX mentioned or any of the rest of the payments made.
Please help.
|
| 02/02/2021 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Today, XX/XX/21, I tried to make a monthly payment of {$170.00} due " in 24 days '' from today at app.klarna.com as instructed by their text message to me. I have made payments this way the last 6 months with no issue. I selected Payment options, to make the " minimum payment due '' and " pay with a card ''. Again, I have done this the last six months with no issues. The web browser, instead of taking me to a screen to enter my debit card information, said " Payment failed We could not process your request, please try again later. '' I had to initiate a chat with someone at the company who advised me that they made a change in their app that was causing a lot of frustration to clients because they could not pay. They advised me to uninstall the app and reinstall the app to fix the problem. However, I informed them that I was using the web app. I asked if there was a number I could call to make a payment. They then advised me to call XXXX. The person on the phone said they were not aware of app.klarna.com but they could not take any payments over the phone. This seems like it should not be allowed. If they are having continued issues with their web app/app development and I can not make a payment, what is the back up method? It seems they don't have one. And so if I am late in my payment due to no fault of my own, this could affect my credit. I am not sure if this is the correct place to report this or if my selections on the option tree to get here were correct, but if I were a regulatory authority, I would assume there has to be a way for a company to accept my payment so I don't go into arrears. I will certainly be paying this off sooner than later and no longer using Klarna. Thank you for any help in addressing this issue - not just for myself, but for the many people who have made similar complaints on the Klarna App reviews.
|
| 02/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX fraudulent purchase made on Klarna for a XXXX XXXX. Was unaware of the purchase until I received a text from your company listed below XXXX Klarna sent first contact via text informing me a transaction XXXX XXXX XXXX notified Klarna of fraudulent account/activity on customer support hotline XXXX Klarna sent email confirming dispute and requesting full explanation of what they considered an unauthorized purchase XXXX XXXX XXXX responded XX/XX/XXXX with full explanation via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX Klarna requested the following documents via the XX/XX/XXXX email : copy of the police report, a copy of an FTC ID theft affidavit, and a photocopy of your government-issued photo ID.
XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX.
XXXX Klarna requested the documents requested on XX/XX/XXXX email XXXX XXXX XXXX followed up with image of certified mail receipt and informing Klarna that XXXX has been trying to delivery XXXX Klarna received registered mail of all requested documents from XX/XX/XXXX XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via phone call. Representative said that she saw the dispute, resolved in our favor, and that we should be receiving a letter soon stating such.
XXXX Klarna sends late payment letter in the mail stating that it will send this fraudulent to collection XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email
|
| 10/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
I made a purchase for {$990.00} on XX/XX/2019. Klarna loaned the money for the purchased at 0 % interest and $ XXXX monthly payments. I was offered automatic debits to avoid missing the monthly payments. I set up auto payments. In XXXX of 2019, I went on the mobile app and scheduled an early payment in advance of the reoccurring auto debit. The $ 55 monthly payment was withdrawn from my checking account but Klarna also attempted the autodebit after this payment. Since I had already paid the monthly payment, the second payment was returned by my bank because there wasn't enough funds in my checking account to cover an additional payment. Klarna charged a returned payment fee of {$25.00} to my loan account. I reported this to them via the mobile app text. The customer service agent said it didn't matter if I made the payment early, the auto debit would still withdraw. I went back and read through their disclosures and at the time there was no information that had stated clearly how early payments would impact reoccurring auto debits. Like most companies, when a monthly payment obligation is made, there is no reason to proceed with an autodebit. So I had no reason to think Klarna was any different. They added this disputed return fee to the next autodebit and withdrew {$80.00} from my account the following month. I stopped the autodebit service and at the end of the loan, I left a balance of the fee. I contacted Klarna again and explained why I was leaving the unpaid balance and that I did not agree with their policy. I paid back the entire {$990.00} loan, with the exception of the fee. In the months since, they had added approximately {$150.00} additional late fees to that fee I refused to pay and continue to send me emails.
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I became victim of identity theft.
I started receiving statements from Klarna showing I established Credit Line on XX/XX/XXXX. I thought it was a mistake however I continued receiving statements showing additional penalties and interest. I contacted Klarna customer service XXXX XXXX in XX/XX/XXXX to let them know I never established this credit line. The representative was not even able to find my account but assured me there is no problem. However, I continued to receive statements with more penalty and interest charged by Klarna. I contacted them again and was not getting qualified help over the phone. I asked them to provide information in writing. 0n XX/XX/XXXX XXXX replied from XXXX. We went through a few back and forth emails, finally XXXX wrote " account will be closed and all details deleted ''. I asked confirmation statement showing I don't owe anything. Shortly after, I received another email from XXXX ( Service Center Agent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX klarna.com ) stating Klarna needs to confirm a few details with me. I received another email from XXXX XXXX ( Service specialist, Klarna Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX ) stating he submitted my claim to account specialist. The next day XX/XX/XXXX, I received another email from Klarna do XXXX stating they will be working on my inquiry and to not contact them again. I have not heard from them since. Meantime, I received another statement with more interest and penalties posted on the account. I sent XXXX XXXX email asking for progress on my case and to let me know whom I can speak with. I have not heard back. Klarna is not making any progress in resolving the identity theft issue and is charging me more and more interest and fees.
|
| 05/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.
I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds.
Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.
My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them.
I look forward to hearing from you very soon. I appreciate your time & attention to this matter.
Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ...
XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 02/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I am XXXX XXXX XXXX in the XXXX XXXX, and I am victim to fraudulent business practices that is threatening my livelihood. Between XX/XX/2022 and XX/XX/2022 I made purchases with the Klarna buy now, pay later service at XXXX, XXXX, and XXXX. Within several days I had returned everything purchased, most the very next day. I had a change of mind and didn't use any of the products returned. I returned the items to the stores and got physical receipts. The total expected refund amount in question between the 3 stores is approximately {$1000.00}. I have not received any refunds in-person, digital refunds from Klarna, or the promised paper checks I should have received almost 2 weeks ago. Klarna has now ignored my attempts to communicated through the email threads with Klarna.
Klarna admitted that their system couldn't refund my payment methods for some reason and that paper checks would be mailed to me for the total amount of these purchases + any fees or interest. Then I could use said checks to pay the balances off. I haven't been refunded any of my down payments to date either. I have had my bank block them because they continue to try and draft payments towards purchases whose goods were returned to the stores. They have now sent me collections/credit threat letters, refused to extend payment due dates or reverse associated late fees. I returned these products to the store over 2 months ago and still have no refunds. They owe me over {$1000.00}, which will total approximately {$1700.00} over time if they force me to pay/send to collections. Again, all for items that I no longer have and were all returned properly to the store with return receipts!
|
| 03/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Hello. I placed XXXX separate orders from different stores using Klarna. I was behind on payments and was given until XX/XX/2023 to pay the balance on XXXX of the orders & XX/XX/2023 for the last order. I owed them a total of {$820.00}. On XX/XX/2023, I initiated payment for all orders for a total of {$820.00}, which posted to my bank account on XX/XX/2023. My payments weren't shown on Klarna 's app so I contacted them via chat and the agent stated they received my payment & it will reflect on their app within a week. Unfortunately, they deleted this chat before I could take screenshots.
On XX/XX/2023 I then noticed XXXX more charges from Klarna & then XXXX more charges on XX/XX/2023 ( that I did not owe ). I contacted them again and they informed me a refund will be issued within 10 days. Again I did not screenshot this because I did not think I would be going through this.
On XXXX XXXX I received XXXX emails from XXXX, a debt collection agency, stating I owe Klarna a debt. I disputed them immediately and contacted Klarna. I spoke with XXXX Klarna agents, XXXX on chat on their app and the other XXXX the phone. They both told me my orders were sent to collections and to contact XXXX. They're both claiming to not see my {$820.00} payment. The woman on the phone hung up in my face as I was expressing my concern. Klarna then blocked my account so I am unable to contact them via app.
XXXX is a screenshot from my conversation with klarna on XXXX XXXX after i seen the extra charges on my account* *Other screenshots from Klarna 's chat were after I was hung up on via phone call XX/XX/2023 so I was very frustrated as you may see*
|
| 09/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Previously I opened a few returns for items purchased using klarna. They extended the payments automatically and with help by company. They were predatory and the Rep did not disclose the amount of late fees, either did supervisor or anyone else notify me of this. Can i have a list of all late fee amounts? Showing for each one the amount and the order reference number coinciding to each. Please provide this or escalate to a supervisor to provide please.
1 ) I would like an itemized list of all late fees charged ; showing the amounts of late fees and the coinciding order numbers.
2 ) I would like to request that all these late fees be waived as a 1 time courtesy for each order. I opened returns and then decided to keep the item. So the return closed. I specifically went into each order if you look that was a return and asked this question. Each rep and supervisor in these chats did not disclose or mention these fees. I specifically asked. This is illegal. Please escalate this request to get me an emailed list of all orders that late fees applied to. Also escalate a refund request for each of these late fees for refund by a supervisor.
3 ) please provide me a copy off all the klarna customer service app chat notes and transcripts on the account printed mailed as well as emailed.
Please do this to avoid complaint to attorneys, ftc, XXXX, cfpb, attorney general and governor as well as the ada. Again, I can not speak on the phone due to a XXXX and was forced to utilize the chat forums that only allow screen shots. No option to copy paste or save print the conversation logs. So can you provide this?
|
| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I purchased two items using Klarna, I was unhappy with both items as they were not as described, however unused. I was told by Klarna and the seller I would be responsible for shipping costs. Upon shipment, I took videos of me shipping the item after hearing multiple stories of poor Klarna experiences. I wanted to ensure I received my refund. I shipped these items in early XXXX, waiting for the seller to receive them. They unfortunately got lost in the mail and the items have not updated through tracking for over a month and a half. Tracking number : XXXX. I explained this to both the seller and Klarna and after two months still have not fully refunded me. I explained to Klarna that the seller blocked my email and stopped responding to my messages, despite this they said there was nothing they could do and eventually if the seller did not send a refund I would have to continue paying. Klarna was aware that I returned the items using my personal funds and followed all instructions they gave and still refused to refund me. In addition, Klarna has poor customer service. All communication regarding these matters have been initiated by me. Klarna has done nothing to contact the seller despite the general understanding that the seller is a scammer and has blocked all communication with me, the customer. Deeply disappointed, however I can happily say I will no longer be working with them. Klarna also states they do not do hard credit checks, yet Klarna only negatively effects your credit. They lie, and do do credit checks and especially prey on youth with little to no knowledge regarding credit.
|
| 09/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Reference : # XXXX Hi XXXX, Thank you for reaching out to us in regards to the XXXX order you placed using Klarna. We are sorry to hear that you have an issue with receiving your items from XXXX. After reviewing your order in our system XXXX issued a refund totaling {$100.00} on XX/XX/2021 which we in return issued to your card on XX/XX/2021. If this is the cost of the goods you were missing and you do not see the refund on your bank statement please give us a call at your earliest convenience so we can help further. If this is not equal to items you are missing please give us a call to start the dispute process so we can assist you further. Klarna customer service can be reached at ( XXXX ) XXXX. We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via 24/7 chat at www.klarna.com/us.
Re : [ # XXXX ] Supervisor Follow-up From : Klarna ( XXXX ) To : XXXX Date : Thursday, XX/XX/2021, XXXX XXXX EDT XXXX XXXX, I understand that you have contacted them to provide more information for your dispute and I am able to confirm that our Disputes team has reached out to the merchant for further resolution. I hope this helps!
For any other questions or concerns, please don't hesitate to reach out to our Customer Service representatives by chatting with us at www.klarna.com. Our representatives are available to help, 24/7.
Have a great day!
I have not received any response on this exhuasting issue of items I clearly returned and I want to get my credit Please.
|
| 04/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I purchased a bed from XXXX using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. As soon as I realized what happened, on XX/XX/XXXX I contacted customer support and was guided in turning off autopay and setting up direct payments to them through my bank. I set up for {$75.00} to be paid every month automatically from my bank. My first payment on XX/XX/XXXX was applied correctly, but my XX/XX/XXXX payment was accepted, but instead applied to the principal ( it applied to the XX/XX/2022 payment ) instead of the XX/XX/XXXX payment due. Then they sent me emails that this payment was not received. Then they sent a letter stating they would report me to credit bureaus. I contacted them through chat several times, it was escalated, and transferred to email, which went back and forth over 5 times, and I have called the customer service number twice. They have acknowledged the mistake but have failed to correctly apply my payments. After all of this, my {$75.00} payment they received on XX/XX/XXXX was again incorrectly applied to the principal ( Now XX/XX/2022 ) instead of the the next payment due. And again, after confirming they received the payment, they are now, again, telling me I missed it, and again sent me a letter saying they will report me. I have the funds. I am making a good faith effort to pay this off, and am even paying more than the amount due so I can pay it off sooner.
|
| 12/05/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
So on XX/XX/2020 I had bought a high ticket item off XXXX for XXXX using Klarna as the lender. When I received said item it was not as described. I had gotten scammed and fraud by somebody online. They had changed my name and my address on there to hoping I wouldn't get it and would lose the package and all my money. I was able to get the package from the post office. I opened the package and it was a bunch of fake cards in there I had recorded the opening because the cards were not welt felt like they should have been. I have records of the call logs and messages on XXXX. I called Klarna to get my money back and said they don't and you can only get the money back from the platform or the seller. So I told them to freeze the money and they did. I opened a case with XXXX and they closed it. Because they said I did a chargeback which I didn't all I did was freeze payment closed the case I have been going back and forth with them to get my money back and Klarna has been no help at all. I'm losing XXXX, I'm stressed, Im getting XXXX, and XXXX over this. I just want to get the refund and move one. I'm stuck in a rock and hard place and nobody seems to help and it isn't right at all. I even reported for mail fraud with united states postal inspection service and also reported with my attorney generals office. I have all the evidence and even still have the packaging. I Just want Klarna to do what is right and I can get my money back and move on. I have video evidence of me opening the package and I still have the package in my possession as well.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I have an account with Klarna under email : XXXX with phone number of XXXX. For several months I have been unable to update or log into the app to make payments or update my address. It requires both on the website and in the XXXX XXXX that there be a code sent to my phone to verify. But it never sends the code. I would like to update my address you have an old one. Please fix the login errors I am having so I can manage the account. All of this happened after getting in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a scam and fraudalent company. The debt amounts are wrong and the servicing was struck by civil fraud. They refuse to give me copy of the chat inquiry transcripts, email transcripts etc. The hold time for a phone when i tried to call with attorneys and law enforcement is well over an hour hold time. This is an illegal scam to get back at me. Attorneys will be involved. Interogatories and subpoenas for individual employees will be served as well. Please provide how and where i can send my demand letters. Please update my address from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to my current address of : XXXX XXXX XXXX XXXX, FL XXXX. Please not i have a XXXX and can not speak on the phone so need instructions by hard copy printed mail or email. I need to be able to login. All oversite agencies will be notified as well as the governor of florida of this illegal unlawful login issue that is causing this debt to be uncollectable. Provide written instructions and where to send subpoenas.
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I subscribed to a service called Klarna. They issued me a XXXX card to use to make a purchase on XXXX. The purchase amount and date were {$240.00} on XX/XX/2022. The last 4 digits of the XXXX Card are XXXX.
I received defective merchandise. XXXX and the seller would not refund my money.
I called Klarna to initiate a XXXX chargeback as can be done with any XXXX labeled card.
Klarna refused to do a chargeback. Here is what they said : Our apologies for delayed reply. My name is XXXX and Im a Resolutions Specialist here at Klarna. Were contacting you regarding your order XXXX with XXXX.
As per the screenshot provided by you, it shows that the store has denied to issue you any refund of this order even they are not willing to accept the return of this order due to their policies. Being a payment processor we are unable to overrule the terms and conditions or policies of any merchant. Please be advised to contact the store if there is any option available for you with them. Therefore, we have already closed this dispute. You don't have any outstanding balance left to pay on this order.
Klarna issued a XXXX card and claims they can not overrule the terms and conditions or policies of any merchant. This is not true. Any bank or credit card company that issues a XXXX card has the ability to charge back a purchase from any merchant.
Klarna is issuing XXXX cards and not giving customers the ability to dispute charges.
Please look into this matter so that Klarna can be investigated.
|
| 10/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
/An order was accidently placed on XX/XX/XXXX to XXXX XXXX XXXX XXXX through Klarna.com and immediately cancelled the same day. They were kind enough to cancel and told me the money would be refunded to my checking account in 3 to 5 days. Fast forward the next day or two, I called Klarna to alert them about the cancellation by chat ( I have included my screenshots of the conversation ) ; ,2 ) I gave screenshots of the cancellation letters and my bank account. This csr did not help. So, I called Klarna and spoke with a rude and ridiculous person. For example, the csr was laughing and carrying on with whoever was in the background. After the 5th time of repeating the same story of what happened, I requested a supervisor multiple times ( more than 5 times ) but receive no one. My patience has run out here because this person clearly doesn't care! The csr said, " There are no supervisors! If you want me to beg for you then you need to talk to me! '' I was tired of her and her games! I asked, " what the F -- is the matter with you? '' and I told her that I did not want her help and said, " I will call back latter! '' I told the csr that I was not there to be made fun of or abused! Again, I called back XX/XX/XXXX. A new csr assured me that she processed the proper paperwork to refund the money back to my account. My account still has not been credited the {$49.00} due me! It has past 10 days and no money! Can you please help?
Sincerely XXXX XXXX
|
| 07/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I contacted Klarna via phone and chat to resolve a billing dispute. There was an overcharge in the amount of {$290.00} + tax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Klarna suggested to contact XXXX to resolve any billing issues. I contacted XXXX, whom informed me they didn't have any record of a purchase from XXXX XXXX on or around XX/XX/2022. I than reported the information back to Klarna. Klarna then suggested I contact the merchant ; although, I noticed XXXX had processed a partial returned totaling {$160.00} on order reference number XXXX. I spoke with XXXX XXXX ( merchant ) on Sunday, XX/XX/2022 at XXXX XXXX. We discussed inaccurate billing amount submitted to Klarna 's one time XXXX card ending in XXXX. XXXX XXXX informed me a charge of {$470.00} was authorized for order number : XXXX on XX/XX/2022 and only that amount was submitted. XXXX XXXX provided the invoice receipt, in which, doesn't include an item Klarna 's order reference XXXX have listed. Merchant advice to contact Klarna again to resolve discrepancies in billing one their side. Klarna have refused to make modification to reflect the order total in the amount of {$470.00}. I was scheduled to make installment payments to Klarna. I made one payment totaling {$190.00} ; yet, I discontinued to make any farther payments until this matter is resolved. I should have a remaining balance of {$280.00} but Klarna reflects a balance of {$420.00}.
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/22 I placed a small order through XXXX shopping at XXXX and paying with Klarna. I recvd a notice from XXXX that they put a {$180.00} hold on my debit card until my order was completed. I then recvd final receipt iao {$140.00} and I was charged immediately the 1st payment XXXX {$35.00} on my debit card. One of the items-a playpen- was not needed anymore so i reported the return to Klarna and they paused my payments and for some reason refunded my card back the first installment of {$35.00}. They stated I needed to return it to store by XX/XX/22. On XX/XX/22 I took the playpen and the receipt the shopper had attached to the box and returned item to XXXX in XXXX XXXX. They provided a return receipt iao {$75.00} but it was credit back to a card ending in XXXX which XXXX told me is the shoppers card. XXXX will NOT report the XXXX return to Klarna so they are keeping my payment arrangements the same as if I had no return. Both stores keep telling me that I do get my refund iao {$35.00} implying that is for the playpen but it was my first installment that I had paid. I have made numerous calls to all 3 institutions but they are all blaming the other and this is still not resolved. I refuse to pay for an item I no longer have! I only owe Klarna {$67.00} and I need the amount adjusted so I can pay this and be done with all of them.Klarna is about to auto deducted the entire amount of {$140.00} and this is theft of the consumer.
|
| 10/11/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I made a purchase using a Klarna one time card. The transaction originally totaled {$240.00}. During the process of 24 hours, 1 return for {$3.00} was refunded and the total dropped down to {$190.00}. 7 items that were to be shipped were canceled. Those items totaled {$43.00} ( without applicable taxes added ). Once the items were canceled, a hold of over {$43.00} was released.
Once those items were canceled, I received an email from Klarna stating that the XX/XX/XXXX purchase was paid in full and future payments are canceled. Then In XXXX, I received a notification about paying on this order. I spoken with agents over the phone and through email. Each representative is telling me that I owe money on a transaction that was already paid in full and if I feel as if I dont owe, to contact XXXX XXXX I did just that, with XXXX telling me that all refunds and releases of bank authorizations have been completed and to contact the card issuer, which was Klarna.
I even requested for the Klarna reps to do the simple math to learn that an error was occurring. Still, Klarna representatives keep telling me that I am the problem and that I have to pay {$42.00} plus a {$7.00} late fee for nonpayment. At this point, I want to sue because this is a perfect example of a deceptive practice Klarna is purposely participating in. I dont know whats going on with companies nowadays, but taking advantage of your customers is low.
|
| 11/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
1. Previously, I filed complaints XXXX, XXXX, and XXXX.
2. Since then, the call back that I was promised several times that I was supposed to receive from a supervisor has not arrived - yet another lie by Klarna.
3. Also, it has now been nine hours since the Klarna chat wrote that a specialist one be available in " one moment, please. '' Another lie.
4. I spoke with Klarna agent, who put a hold on the combined Financing Payment for the two XXXX XXXX loans for which Klarna continues to demand payment despite the fact that I have already made the minimum payment.
5. However, despite the payment hold, the Klarna App is still demanding that I " resolve '' the returned payment, and thus make a payment for {$75.00}. Also, it is stating that I can make no more purchases until the payment is " resolved ''.
6. Basically, Klarna is attempting to threateningly strong-arm me into making a payment that is not due. Even though there was a returned payment, there was a second payment that went through : one successful payment is sufficient ; the return of the second payment does not cause the necessity to make a second payment.
7. I am currently on the phone with Klarna agent XXXX ; and supervisors are continuing to refuse to speak with me. She says they will contact me " shortly '', but that's what previous agents have said and I've now been waiting nearly 24 hours total. Other agents said by 6 p.m. and that was a lie.
|
| 06/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I initiated a purchase with the merchant XXXX on XX/XX/2022 with a Buy Now Pay Later servicer called Klarna. Through the Klarna service I created a one-time card for {$560.00} and the credit card I used to split the payments was charged {$160.00}. The merchant charged {$560.00} as an authorization until the items shipped. On XX/XX/2022 part of the order shipped and the card was then charged {$320.00} and was delivered on XX/XX/2022. The other half of the order was cancelled on XX/XX/2022 by the merchant and released the authorization hold for {$230.00}. I initiated a return with the merchant to ship back the part of the order I did receive and was issued a refund in the amount of {$300.00}. Also the balance on the Klarnas end should only be {$22.00} since the merchant confirmed the refund and authorization release. I have reached out to Klarna numerous times and they have refused to assist me, even after providing proof that the merchant did not charge the card and released the funds. This is clearly abuse on Klarnas part as they have made no effort to review their systems and correct the error. The merchant has been more than helpful in providing proof that they have indeed refunded and released the authorization hold.
Klarna is attempting to steal money from me by not acknowledging the authorization hold release and providing me a refund to the credit card I used to split my payments with their service.
|
| 12/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I made an XXXX purchase months ago ( XX/XX/XXXX ) and chose Klarna for repayment with payment to be automatically deducted. The autopayment worked well for a few months until my debit card number was stolen and I tried to update the number with Klarna 's system. I made numerous attempts to update the info or pay it in full but was unable to do so because they were having a system-wide issue with certain email addresses, mine included. When I called they stated that they were aware of the problem and would contact me once the issue was sorted and I could then either update the debit card on file or make a payment in full. I never received any correspondence from them but made many attempts and spent hours to check in and handle the issue. Each time I was told the same thing, that they would contact me once I would be able to login again. I was repeatedly assured that I would not incur a late fee or sent to collections. More time went by and then I started receiving emails and calls from XXXX XXXX a collection agency that Klarna sent me to. I addressed this again with Klarna and they stated that a supervisor would reach out to me. None of this ever happened. I was finally able to update my email and log in on XX/XX/XXXX but they would not accept my direct payment. It's insane that they can function this way with little to no customer service options and then able to damage my credit by their ineptitude.
|
| 06/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Servicemember |
|
on XXXX XXXX XXXX i purchased a gift card from klarna in the amount of XXXX for a virtual gift card to XXXX as it is offered on Klarnas website, I put the items in my cart and entered the gift card number as my payment method, Immediately after submitting the order I received notice that my order was cancelled and items were cancelled and my account was completely locked. I called XXXX over and over again and they refused to assist me however they did inform that due to a glitch in their system the accounts lock when you attempt to use a virtual gift card from Klarna, Since then I have been trying over and over weekly to resolve the matter. Unable to get my XXXX account unlocked and klarna will have me on hold for hours on end only to get on the phone and tell me i will recieve a communication within 10 days. When i finally get some kinda of real response its a very generic response and i still dont have my money back this is near 90 days of this issues and my funds being held hostage by Klarna . I reached out to the ceo of Klarna XXXX XXXX today via email however if feel this is unfair to me as a consumer and i would like to make a complaint as while shopping with Klarna we are in a lease contract and expected to uphold our end of the agreement however Klarna is not being held accountable to the same standard gift card order was XXXX the order number is XXXX
|
| 01/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
I purchased an item from Klarna ( handbag from XXXX ) on XXXX XXXX, 2022 which gave me the option to make four easy installments. Klarna stated that with the initial sign up you receive an extra 25 % off your first order. I called Klarna ( XXXX ) on XXXX XXXX, 2022 and spoke with XXXX who stated that Klarna will honor the 25 % discount off of my 1st order once the item has been shipped. Called Klarna on XXXX XXXX to inform Klarna that my item ( from my 1st order ) had been shipped. I spoke with XXXX who told me that everything on the Klarna app stated that my order is pending. Per XXXX, she told me to check back in about 24 hours and after I see a payment plan on my Klarna app, the payments should be adjusted to {$18.00} bi-weekly and the total price of the handbag should be {$72.00}. XXXX stated that if payments haven't been adjusted, to give them a call back. Called Klarna on XXXX XXXX and spoke with XXXX and XXXX who told me that they couldn't give me the discount because XXXX had the merchandise on sale. I received an email from XXXX stating that I needed to contact XXXX. Called XXXX ( XXXX ) on today and spoke with XXXX who stated that Klarna should honor that discount because XXXX didn't have anything to do with that discount. I don't have a problem paying for the handbag, but I want Klarna to honor the discount that they advertised.
|
| 10/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was on XXXX trying to book one using Klarna. I kept getting an error. This occurred XXXX XXXX XXXX. I started speaking with a representative and he told me to try booking something and screenshot the error I get. But this time when I tried booking, it actually went through, but it wasnt for the XXXX I wanted. Told the rep. He didnt do much, but got a supervisor. Reached out to the host TWICE. Only thing he kept saying was no refunds. I called XXXX XXXX several times and was told to pay the first installment and then they would be able to cancel recurring charges. Which apparently was a lie. All together it was XXXX. One supervisor on XXXX told me to cancel it and get 3 something back & shell credit one hundred something. So all together four hundred and something went towards the amount on Klarna. I reached out to Klarna. They couldnt do anything. Disputed it with XXXX XXXX they did a temporary credit but now saying theyre going to take the money back. I did NOT stay here. I stayed at the XXXX XXXX. I literally tried canceling the booking as soon as the transaction went thru. No one will help me! I paid XXXXXXXX so far. But its over 5 hundred left. I dont think its fair to pay something where I never even stayed. Theyre still trying to make me pay monthly installments or let it hit my credit! I have receipts for everything.
|
| 11/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I have a buy now pay letter loan with Klarna that I was intending to payoff in the 3 months before interest kicked in. It is for a 24 month term and I intended to prepay in bigger than minimum payments as the truth in lending disclosure states there is no prepayment penalty.
When I went to make a bulk payment of {$1000.00} I wasn't allowed. I could either make the minimum payment of {$98.00} or pay it in full for {$2000.00}.
I reached out to customer service to say I wanted to pay as much as I could before interest kicks in and they told me I had to make seperate {$98.00} dollar payments each week instead of a partial of a XXXX. Doing this would mean I would have to pay them interest on a much larger balance. This is cumbersome and it only lets you make one payment per week which means I wouldn't even be able to pay {$1000.00} in the month. Making it nearly impossible to pay the loan off before accruing interest.
This is an unfair, deceptive, and abusive practice. They put everywhere, prepay to not pay interest, that is their whole scheme- yet when you go to do it you get pushed into paying them interest by not realizing you can't make bigger payments to make that possible.
This lender is negligent and causing harm to consumers by overcharging them interest by not allowing them to make partial payment.
|
| 03/16/2023 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed an order with XXXXXXXX XXXX online for a {$800.00} pair of XXXX shoes. I used Klarna to pay for this purchase. When I placed an order with XXXXXXXX XXXX, I requested for signature required when sent by XXXX and paid extra for the service. XXXX delivered the package to an incorrect address which we do not where it was delivered to. I reached out to XXXXXXXX XXXX to advise we did not receive the package and they are refusing to refund the money back, or replace the product. I have sent pictures of my front door compared to the front door that XXXX took, Ive sent screenshots where I placed the order for signature required, and a screenshot on XXXX showing no signature required. Since I could not get a resolution with XXXXXXXX XXXX I contacted Klarna. Klarna has reached out to XXXXXXXX XXXX and states that XXXX XXXX shows that a product was delivered even though its the incorrect address and they are refusing to refund. Klarna is only going by what XXXX XXXX is stating even though Ive sent them the same screenshots proving that I did not receive the product and they are refusing to take the product off of my credit. I am currently paying this to keep it from going on my credit score But I need a refund for a product I did not receive
|
| 03/31/2021 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
XX/XX/XXXX have reached Klarna last week today, XX/XX/XXXX as they refuse to connect me to a manager to solve issues. I also called last XXXX as they refused to connect to a manager as the reps are clueless. They will tell you to wait XXXX days for someone to call and no one calls. This company is running fraud transactions when I have returned MULTIPLE items and refused to credit my account, continue to bill me when I have informed them repeatedly of these transactions and some over XXXX weeks ago. They continue to debit amounts from my card when items returned and ignore the issue. I have overpaid and paid on items returned months ago as they refuse to acknowledge. All reps are foreigners and speak poor English and don't have a clue as to what's going on and could care less and cant comprehend XXXX. They are aware and poor service with incompetent workers. Refusal to assist. They need to remove their phone number as they refuse to help and direct you to text, go to the ap and never speak with a live person. They should not continue business if they feel like they cant address issues and their illegal transactions. Now they sent me a message and stated it didn't go thru for # XXXX and they never sent it per my bank. They are fraud.
|
| 03/03/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2021 at approximately XXXX XXXX Klarna opened a revolving line of credit in my name fraudulently without permission. Klarna has taken it upon itself to open a revolving line of credit with information provided without my permission la XXXX XXXX. They have used predatory lending tactics to open up this account by masking the revolving line of credit to look like a one time loan application. I was under the impression after reading all disclosers that Klarna was offering a onetime small loan for products on XXXX. Klarna instead opened a revolving line of credit without permission.
Upon calling the Klarna and requesting the account be immediately closed the company proceeded to give me the runaround. The third party company that Klarna has in place to answer the phone and provide customer service is completely useless. I had to call the merchant XXXX to be the intermediate between me and Klarna to even attempt to have the account closed.
Klarna seems to be operating with impunity and hiding behind poor customer service. Klarna also seems to be praying on minorities with these predatory practices. I have contacted the credit reporting agencies in an effort to have the hard inquiry removed from my reports.
|
| 03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
My debit card had to be changed. I updated it in the system but they have sent my account to a debt collector!! for XXXX XXXX dollars. When the payment failed I logged in and updated my account so when the next attempt came, they could take their money. Well they did not and now I have debt collectors emailing me for Klarna 's money and Klarna emailing me to spend MORE money through them!
Which is completely counter productive to the whole purpose of having this type of installment service.
In addition to that. I signed up for phone notifications. The phone notifications for payment stopped once the last payment wasn't received.
Aren't I supposed to be informed of my being sent to a debt collector? I was not.
Then I call customer service and like every other customer service, they pick up and stay on the line until you hang up. I am on hold now. for 11 Minutes so far. It is XX/XX/2022 it is XXXX.
So the customer service is not being provided as it should be. I would pay on the phone with them but I am not paying no debt collector and I am not downloading the app. All it does is harass you to use their service. So you can be harassed by their mistakes. XXXXXXXX XXXX their fake customer service rep hung up.
|
| 02/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Signed up for Klarnas hardship program. None of their representatives stated the programs terms other than I wouldnt be able to use Klarnas services while on the program. The second to last time I tried to renew the hardship program, the representative renewed it for certain purchases. I inquired why he did not renew it for my other purchases and he said to wait until the payments are due/the hardship expires and then to contact Klarna again XXXX I did what I was told and waited. I was not worried since he did not indicate there was any issue. Then, I contacted Klarna again to renew the hardship program for the remaining purchases and was suddenly told that I could no longer do that. They said there was nothing they can do even though their employee mislead me to believe that everything would be fine. Now multiple payments are overdue and theyre threatening to send payments to debt collection and also have sent 3 of the bills to debt collection. Their only response is that they will train their employees better. That does not help the customers who were told the wrong information and are now getting threatened with debt collection! Especially since your employee was the one who said to wait and not to worry!
|
| 09/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Klarna has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so.
First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because Klarna XXXX XXXX XXXX are stating that I owe a debt when I do not and Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission.
Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me Klarna XXXX XXXX XXXX are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me Klarna needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action.
Please pay the attached invoice immediately.
|
| 11/25/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I used the " see if you qualify '' on the XXXX while shopping for new golf clubs. The offer said it won't impact your credit score, they use a soft pull to obtain my credit score. I was offered a 9.9 % APR with a 24 month term to finance the golf clubs iI ordered. During the process a contract was provided, but showed 19.99 %, not the offer I was approved for. I then received a notification from my credit monitoring service a hard inquiry has incurred from XXXX. I called Klarna this morning and was told I had a 30 minute wait to talk with a rep. I used the chat service asking for a copy of the contract for the XXXX purchase. They could not help and said this request will need to eseculated and will take 1 to 3 business days for a chat rep to contact me. I never received a copy of the terms and agreement for credit., they pulled a hard credit inquiry when Klarna said it was a soft pull. I called XXXX and cancelled my order and asked to close out the Klarna account. XXXX said I will need to contact Klarna. klarna has not provided any information on the terms, account number of agreement. The mobile only provide info on the order, how to setup auto pay, but no contract or account number to reference.
|
| 09/20/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Someone made fraudulent purchase with my account. I contacted the company immediately and report the purchases as fraud. I tried to look up the seller of the items and they intentionally do not provide information on their website. I'm not sure what all items were purchased but it appears from my account in excess of {$500.00}. The lender Klarna has been going back in forth in emails since early XX/XX/2023 asking me to pay for returns to the merchant and the items so the merchant can inspect them. I responded to Klarna I am unable to return items that were not order or authorized by me on my account or shipped to me. I learned the merchant was shipping these items using a persons name that is not mine and and email not associated with my account with Klarna. Klarna allow merchants to place orders with customers accounts using fictitious emails and purchasers names not associate with the accounts with Klarna. I have requested a full refund to my account and for this lender Klarna to close my account for further use since XX/XX/2023. They have not done so and have submitted charges to my bank for payments after I have asked them to cease all transactions on my debit or checking accounts.
|
| 12/11/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
I used their finance service to purchase an item at XXXX XXXX 2 months ago. I've been trying to create an account to log in to see/pay my bill and have been unable to do so. Every time I try to verify my phone number as required I get the same error message " Failed to Send The Code To Your Phone. '' I've been calling/emailing/XXXX Messaging them for the 2 months and still not have any resolution. The few times people have responded, they asked for a screenshot of the error message, which I send right away then I never hear back from them again. There is NO phone number for the corporate office in XXXX, OH, only their off shore call centers. I've had 11 different people tell me that their supervisor will call me back in 24-48 hours and I've NEVER gotten a single call. I've been told 7 times that this will be escalated to their technical team and that it will take 7-10 days for them to fixe the issue. It's been TWO MONTHS AND I'VE NEVER HEARD BACK FROM ANYONE AND STILL CAN'T LOG IN TO SEE OR PAY MY BILL. I can't even get my account number from anyone.
I've attached a copy of the chat from XX/XX/XXXX that I've never heard back from, like all the other means of communication.
|
| 09/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XXXX Klarna 's system would not accept my personal debit card. My original card was stolen and I attempted to use a replacement card. Their system recognizes my replaced XXXX debit card as a credit card. They will not take my payments over the phone or by app. Klarna asked me to use another form of payment such as another debit card. The only other card I have is a business debit. I can not use that card just because they said so. I have had the amount blocked through a stop payment with XXXX, as the company tried to draft an ACH. I attempted XXXX and that did not work. XXXX reported no issues on their end. A {$1.00} hold was placed on the current personal debit card with each attempt. Company has offered to not charge me late fees but insists I need to get another personal debit card to pay them. I attempted to create a new one-time card and was successful with the new/replacement XXXX debit ( personal ) card. The company took out the first installment of the latest purchase on XXXX the company will not allow me to pay the account using the card. They also denied me credit with XXXX XXXX stating I had bad payment history ... because they will not use my debit card on file.
|
| 12/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, I wanted to submit a complaint on the company, Klarna. I recently purchased two monitors from XXXX and used Klarna 's XXXX product during check out. Klarna advertised their service as " no impact to credit '' and no interest payments for my purchase.
I liked this option because I knew in the next few months I would be purchasing a new home. I didn't want to use a form of credit that could potentially impact my score when the mortgage lender did their underwriting. Klarna 's seemed like a perfect fit.
My mortgage lender is currently in their underwriting process and pulled a copy of my credit report. A " hard '' inquiry is showing from Klarna XXXX XXXX for the purchase.
In chatting with an agent, they are stating that the " no impact to credit '' does not cover the monthly payment option that I choose. However, their website here clearly says differently ( not to mention its all over their website ) : https : //www.klarna.com/us/customer-service/does-klarna-affect-my-credit-score/ If this information would have been clear to me in the beginning, I would have chosen a different payment product or option that did not impact my credit.
|
| 11/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
Klarna is a buy now pay later service. I purchased something from XXXX and we agreed Id pay them {$60.00} a month for 6 months, and theyd earned 24 % interest.
I returned an item, and the balance was adjusted, but they still want the full 1/6 payment. This means that the purchase will be paid IN FULL IN 3 payments.
Klarna advertises that its XXXX interest if you pay in 3 payments.
They are refusing to remove the finance charge and they are refusing to adjust each monthly payment to spread it out over 6 payments as agreed.
Purchase was for {$360.00} or so, returned a an item, which brought the purchase down to XXXX.
Klarna customer service said they would spread the payments out, lower each one, over 6 payments, 3 times via customer service chat.
That hasnt happened, and even when escalated, no one at Klarna responded, they wants me to pay in full in 3 payments. My next payment is {$60.00}, way more than 1/6th of the purchase.
If Klarna wants me to accelerate payment, I should not be charged interest. If Klarna can spread it out over 6 payments as agreed, I have no problem paying interest if they dont accelerate final repayment.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We reached out with Klarnas customer service ( XXXX ) for a bill dispute on XX/XX/2022. Regarding about a purchase that was billed on my credit card. It was an online purchased worth {$1600.00} from XXXX XXXX on XX/XX/2022. The XXXX XXXX XXXX was unable to meet our expectations. We canceled our order on XX/XX/2022 due to product not received. We are informed by XXXX XXXX XXXX XXXX Customer specialist to dispute it with the bank. At the very same day is the day we reached out to Klarna. As they reviewed our request XXXX a Resolution Specialist of Klarna. Concluded that it has to be a 120 days from the date of purchase. As you can see from the email conversation was dated on XXXX XXXX, 2022. Its still less than a 120 days from the time of purchase. XXXX XXXX stated through an email to dispute it with our bank to get refunded. I did my part to dispute it in a timely manner that is less than 120 days from the time of purchase. As customer paying with a credit, I am relying with full confidence to Klarna as the credit card company of my choice to mediate this issue. But unfortunately, I have been turned down and disappointed by Klarnas decision.
|
| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
It opened my account at Karna in XXXX of 2019. I've been a good customer always paying my account on time... Several weeks ago I was having issues getting the klarna card so I chatted an emailed several people... I finally got a response they wanted me to send in a picture of my driver 's license which I did... For some reason my birthday was wrong on the Karna account and he asked if I wanted to change that as well as changing my name on the account from XXXX to XXXX because that was on my driver 's license... I told him that it was fine if he changed those two things so hopefully I could get approved for the card ... After he emailed me saying it was updated I received another email stating that my address had been changed... I did not request a change to my address and all of a sudden my {$670.00} available to spend turn to zero and they're telling me I have a past due balance on a different account with a different email!! I have never had another email or another account on Klarna!! I also tried applying for the card again and it keeps saying unable to verify my identity!! How is that possible when I sent them my driver 's license!
|
| 02/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Id like to raise a formal complaint against klarna services. My account number with Klarna is XXXX.
History of my case : I made a purchase fromXX/XX/XXXX for the amount of {$8200.00} split over 36 months resulting in a monthly payment of {$220.00}.
Before my order was shipped, I ended up canceling a few items which resulted in a refund being generated for {$5800.00}.
As a result my outstanding amount was supposed to be {$2300.00}. Since the refund has been made, I would expect Klarna to adjust the new balance and REDUCE my monthly payments to {$2300.00} divided by 36 to {$66.00}.
Heres the current issues and questions at hand : 1. Even after reaching out to chat agents and customer service over phone call multiple times, why has the new monthly payment amount not been adjusted accordingly?
2. Even though my autopay was disabled and my interface shows no payment due - - how did Klarna deduct money from my linked bank account for the recent wrong amount of {$220.00}?????? This deduction was completely unauthorized as autopay was disabled and no minimum payments were showing as due XXXX {$0.00} XXXX
|
| 10/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
On XX/XX/XXXX I booked a 5 night XXXX using Klarna pay over time. The reservation was for XXXX XXXX XXXX Klarna paid the XXXX owner the entire booking amount of {$1400.00}.
On XX/XX/XXXX I canceled the XXXX and the stated XXXX refund policy for this house was I would get 50 % of the booking refunded so roughly {$750.00} minus some fees.
After waiting over two weeks for the refund, I contacted the XXXX owner and he sent me proof it has been sent back to Klarna.
On XX/XX/XXXX I contacted Klarna as a refund of {$790.00} showed on their side but no money has been refunded to the account I was making the payments from. I still owed half the booking to them and was going to use this refund to settle up with Klarna.
They reviewed my complaint for over a month and yesterday they sent to their decision that because I canceled within 7 days of my arrival, I get no refund. And they took another payment today.
XX/XX/XXXX was 54 days prior to my original checkin date. The XXXX site stated any cancellation prior would get me 50 % back. And Klarna is keeping it and continuing to charge me the balance.
|
| 09/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had an account with the company Klarna ( 4-way pay loans ) that I used on and off in XXXX. I realized that I had been a victim of identity theft, and there was a loan made in my name on my account that I had disputed once I received contact from a debt collection agency ( XXXX ) regarding the unpaid loan.
XXXX XXXX and Klarna both determined I was not responsible for the fraudulent loan, and True Accord released the account back to Klarna back in XX/XX/XXXX. It has now been A YEAR, and Klarna continuously refuses to update their systems regardless of the numerous attempts made to contact them regarding this matter so that I may continue to use my Klarna account.
I was just told by a customer service representative yesterday, XX/XX/XXXX, that my issue was " too old '' to resolve, when that wouldn't have been the case if they had done their jobs efficiently back in XXXX of last year when XXXX released the fraudulent installment account back to them originally.
To tell me it's " too old '' to resolve is the most disrespectful thing that could've been communicated to me in this situation.
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Klarna has made it exceptionally difficult to make payments to an open account. They do not allow payments to be made by telephone, despite my efforts to do so on XX/XX/2023. Klarna has made it exceptionally difficult to keep personal access to an open account. They recently made it a policy where you have to authenticate by access code through both email and wireless text. Authenticating with one should be enough, but they require both at the same time, and should your number change, like mine did, they can not update your phone number and restore access to your account unless you provide current photo identification through an automated process ( and customer service representatives can not do anything to help you in this automated process ). At the moment, I can not provide photo identification, because mine is expired, and being XXXX, I have not been able to go down to the XXXX and get a new card. Therefore, because of their corporate policies that deviate from standard practice, I'm going to be marked late in making my payment, affecting my credit score and financial stability.
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I ordered from instacart. They offered a pay in four payment option through Klarna. I had not used it before and was unaware that the company arbitrarily assigns a purchase power or an amount they are willing to loan which varies from person to person. It does not tell you what this amount is. My order was above this amount. Not a problem if I had known. However, Klarna took 25 % of my purchase total out of my bank knowing they were not going to approve my order. Then it takes up to seven days to put back in my account. The agent said and I quote, the system automatically puts the money on hold just by trying to create the order to confirm that you have enough money for the first payment before the store processes the purchase. So knowing my order was more than they would approve they took 25 % of the purchase cost out of my account for up to a week. This happened today on XX/XX/23. All they had to do was decline the purchase it wasnt a big deal. However now they spend a week earning interest on my money when they knew they were not going to honor the lending agreement. Bad faith.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim of a cyber hack or identity theft. this non-account holding inquires with : Klarna, INC is shown on my XXXX consumer credit report as ( KLARNA/XXXX ) and with a date of XX/XX/2020. Klarna , Inc. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. This hard inquiry is NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
|
| 07/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
Klarna was listed as a financing option for a product sold by XXXX. Its the only financing option. The requested amount was to cover the purchase of an XXXX I completed the online application and was approved for the full amount. I accepted the terms for 3 year fixed rate loan. After reviewing the TIL disclosure I clicked submit and then was told I was declined after being approved and the reason was listed we are unable to verify your identity. I was then reached out to the finance company and informed them of the issue and was willing to provide any type of documents to verify my identity and was told No, there is no escalation or reconsidering. I let them k ow that I thought it was illegal to decline an applicant for that reason without first allowing the applicant to prove his or her identity and the. Was told Id get a letter or email stating the same. I have never received such correspondence. I noticed on social media others are being declined for the same reason after being approved and the result is the same. No reconsideration!
|
| 05/25/2021 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed.
Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made.
Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties.
They continue to harass and send letters. All letters were sent by certified mail and verification they were received.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
|
| 06/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
A financed order was placed online with retailer ( XXXX ) on XX/XX/2023 on XXXX XXXX I contacted the retailer to advise non receipt of my package as the package was shipped via XXXX then transferred to the local post office for delivery. The delivery advised delivered to locker. This is an apartment complex and no package was confirmed delivered to a locker ( no locker number/location ) or anything related to the delivery location. I was advised to call back to start a claim with the retailer XXXX which I have numerous times without success. I contacted the financial company Klarna to advise of the order issue on XX/XX/XXXX it was escalated XX/XX/XXXX ( estimated ) and on XX/XX/XXXX received an email to contact XXXX which I did and have been without any success. As Klarna is still reflecting being owed for an order I have yet to receive. Im unable to file a claim with XXXX as they did not deliver the package and the retailer did not insure the package with the USPS so I can not file a claim with them either.
|
| 02/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
on XX/XX/22 klarna took XXXX out of my XX/XX/XXXXaccount, which XX/XX/XXXX doesnt even have recollection of it so they are in fault also, klarna made a card forXX/XX/XXXX that XX/XX/XXXX never alllowed me to use, so i was told that the funds would be refunded to my account once the card closed but the funds never refunded backl to my account and I have screen shots to back every thing i said and now klarna ignores me and will not give me the money they owe me with that transaction also XXXX closed my account after i returned some items and blocked me for no apparant reason and klarna refuse to refund me the money owed form those 3 returned items... .please help me get my money bacck ... .screnshots are dealign with the XX/XX/XXXXtransaction they never allowed me to make 1st screenshot shows the XXXX leaving my account 2nd shows..the XXXX cardmade each has what each screenshot was for the last shows where money was supposed to return to my account but never did ... ..klarna owese me over {$300.00}
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, I tried to use Klarna to buy a product from XXXX XXXX XXXX. Klarna advertises themselves as XXXX with only soft inquiries. However after I tried to make the purchase I got a hard inquiry on my credit report. At no point in time during the process they mentioned anything about a " hard '' inquiry, they used the term credit verification which is very misleading noting the very " clear '' marketing and advertising that they only pull soft inquiries. I tried to dispute with the company but they said it was written in the terms and conditions, and when I asked for a copy where it says hard inquiry they failed to provide one.
Here 's a copy of their website.
https : //www.klarna.com/us/customer-service/klarna-perform-credit-check/ During the check our process they had a small note that says " we will do a credit verification '' which is again very misleading as they don't intentionally use the word soft or hard when they are clear that they do soft verification.
|
| 06/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
Please see correspondence to Klarna below : I made a purchase at XXXX XXXX/XXXX online for {$370.00} using a Klarna one-time card. Of this I paid {$65.00} up front.
I returned this item ( green circled item on receipt ), along with 2 other items purchased at XXXX XXXX ( see the receipt attached ). XXXX XXXX returned the ENTIRE return to the one-time use Klarna card ending in XXXX ( see the red circled area on the receipt. ) even though the other 2 returned items were originally paid with my private debit card.
Please advise what you all have done with the excess {$120.00} that was refunded to your one-time use card. XXXX XXXX is unable to produce any further transactions because the money has now been released to that Klarna card.
Please note I have contacted Klarna twice previously ( via chat and phone ) and was advised to email this picture as proof that Klarna was the recipient of these excess funds.
Your prompt attention to this matter is greatly appreciated.
|
| 06/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have been dealing with this for over a year and I paid {$69.00} for an XXXX order that only cost {$83.00}. I returned this car part back to XXXX, yet klarna never wanted to refund me, after numerous amounts of calls to them they still turn around and send me the credit bureau lying saying that I never paid these {$69.00} that they never would correct, they sent me to the credit bureau fraudulently, because it shows on my payments that I have paid, but they never would correct it just recently they charged me a {$7.00} late fee then they sent me to the credit bureau when they are the one who would not correct this and I sent the item back to XXXX... haven't allowed me to use klarna since XX/XX/XXXX... and still haven't contacted me after over 100 calls to klarna ... also back on XX/XX/XXXX a supervisor contacted my email stating I do not have to pay anything as you can see from the screenshot they still never corrected this and still sent me to the credit agency
|
| 05/07/2021 |
No |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
There is something deeply nefarious happening with this company. On XX/XX/XXXX I tried to log into the app to check my account. I wasnt able to so I contacted their customer service who sent me an email with the steps to log in and reactivate my account. I dont understand why it was deactivated to begin with. It didnt work. I then called, spoke to customer service, same thing. I called back, they had a supervisor contact me with steps to log on - still nothing. Then they tell me they need a a photo of a government issued ID - a passport or drivers license to verify my ID. This was bizarre because NO credit provider requests such a thing. This company has my bank information and is billing automatic charges on my account - yet Im not able to access anything. I have called, I have emailed, I keep getting the same email with directions that dont work. Ive been getting the run around since XX/XX/29. I have a huge paper trail of everything. I want this resolved ASAP.
|
| 05/10/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
On XX/XX/2020, Klarna credit performed an unauthorized credit inquiry through XXXX using my SSN and identity information that showed up on my XXXX credit file.
I called Klarna twice to attempt to rectify the dispute, to which they insisted that I am the one that made a purchase and accepted a delivery, of which I did neither. I do not use credit cards and I have subsequently frozen all three of my credit reporting agency accounts.
Subsequently, Klarna has sent me multiple bills for item ( s ) that I did not purchase.
I have reached out to Klarna and they insist that I ordered the merchandise, to which I have repeatedly informed them that I did not place an order, request credit, or accept delivery of any merchandise.
This is/was identity theft and it is not my responsibility to pay the ( approximate ) {$2000.00} due.
Again, I did not order anything, receive any merchandise, nor did I authorize a credit check for Klarna.
Klarna 's telephone # is XXXX
|
| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called KLARNA. The amount for this KLARNA debt was XXXX XXXX The address that was provided was my old address that I shared with my ex Husband until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with KLARNA and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call KLARNA to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in XXXX, I reached out to Klarna about an unauthorized charge. For the past few months, Klarna has ignored my cries for help. They will tell me to call them to investigate. I call in and they don't do anything. I actually will receive emails telling me to call in by a person named XXXX. I even emailed him to say I am calling in. He is ignoring me and the company is refusing to help a loyal user of their services. And they keep stealing my card information and trying to charge me for something I didn't authorize. They are legitimately debiting a card that I have to give prior authorization for the payment to be complete. I am not giving my consent nor will I give my consent to have an unauthorized charge debited from my bank account. I reported them to the XXXX and they will share that they tried to reach out to me to give further assistance. Then why do I have a series of emails ( that I will attach to this complaint ) showing them dodging the problem?
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Sir/Madam, I am writing to you to express my formal complaint regarding the high interest rates that I am being charged on my installment loans with Klarna. As a consumer, I believe that I am entitled to fair and transparent lending practices that are in line with the relevant consumer laws and codes of banking.
Firstly, I would like to highlight the fact that I am currently not working due to medical issues, which has led to financial difficulties. Despite this, I have been diligently making repayments on my loans, but the high interest rates have made it extremely challenging for me to manage my finances effectively.
I am aware that there are specific regulations in place to protect consumers from credit card debt and other forms of predatory lending practices. I believe that Klarna should be adhering to these regulations and providing me with a fair and reasonable repayment plan that takes into account my current financial situation.
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021, I opened an account with Klarna. My credit limit was {$2600.00}.
On XX/XX/2021, I made purchases in the amounts of {$1200.00}, {$820.00}, and {$670.00}, respectively. On approximately XX/XX/2021, the item for {$1200.00} was returned to the merchant ( XXXX XXXX XXXX ).
On XX/XX/2021, a payment of {$250.00} was due however this payment did not reflect any adjustment for the {$1200.00} refund. When I contacted Klarna customer service about this, I was told that the adjustment would reflect on my XXXX statement. This has yet to occur. My monthly payment for XXXX is {$250.00} which is the same as the XXXX payment. No adjustment for the {$1200.00} return has been made.
I have available credit in the amount of {$660.00} and have been locked out of using this amount to make additional purchases.
Additionally, a late fee of {$25.00} has been charged to my account since the {$250.00} payment was not received on XX/XX/2021.
|
| 08/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am not past due and have paid in-full on-time every month. My employer is changing our pay schedule which means I will not have the money in my account when the payment is due on the XXXX. I am trying to be proactive and have contacted Klarna to request a payment due date change in order to continue to pay my loan in-full and on-time. I am being told they will not due this. Rather, they will continue to pull the payment on the XXXX when I will have no money resulting in either an NSF fee from my bank, or a missed/late payment to them which will cause a late fee and possible negative reporting to the credit bureaus. I have perfect credit. I have never missed a payment, never not paid a payment in full, never had a collection, or judgement. I want to keep it this way, which is why I contacted Klarna on XX/XX/2022 to request a payment due date change which sufficient time before my pay schedule changed at the end of XXXX.
|
| 11/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American |
|
On XXXX the XXXX, I purchased a pair of earrings from XXXX 's via Klarna. Klarna charged me for the earrings to be paid in 4 installments of XXXX. Klarna took the 1st payment, XXXX from my credit union account. When I received the earrings, one of the earrings was damaged. I immediately returned the earrings to XXXX XXXX. XXXX acknowledged that the returned earrings were received.
Per Klarna, there was communication between XXXX and Klarna and a credit was initiated between XXXX and Klarna as stated by Klarna. Since the earrings were returned to XXXX, I requested my money be refunded by Klarna ... 1st payment of XXXX ; however, Klarna has now illegally excessed my credit union account. Took an additional XXXX, 2nd payment? I call this fraud since Klarna is aware that I returned the earrings. By the way, I was never informed by XXXX nor received any such thing as gift card ( s ) from XXXX 's as stated by Klarna.
|
| 04/18/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I financed an online XXXX purchase through Klarna in XX/XX/XXXX. I paid Klarna the {$450.00} balance in full in 6 months. In XXXX the concert was postponed and on XX/XX/XXXX the concert was canceled. Klarna emailed to me a statement showing a {$450.00} credit balance. I called XXXX on XX/XX/XXXX and was told that they would issue a refund by check within 21 days. On XX/XX/XXXX I called Klarna again as I had received no check. Klarna had no record of my prior conversation, so they told me they would send a check. On XX/XX/XXXX, I received a check for {$83.00} ... .not the {$450.00} as shows on my Klarna statement. I have made repeated calls to their customer service number and their non-American based agents are so poorly trained that they can not even understand this very basic series of events. Klarna owes me over {$350.00} and it is impossible to communicate this point to them. I need help.
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX ) ( KLARNA ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 10/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/XXXX I tried to make a purchase they were quoted me one price but when I went to go check out they change the price. Ive been doing business with them since 2021. So I called them because Ive never had that to happen to me before & I have {$400.00}. XXXX purchase. When I spoke with the representative he told me that they do credit checks every time you make a purchase. Ive never had a problem and Ive always purchased through them. And they never informed me that they were doing credit checks and I never authorize anyone to check my credit..they had my debit card they knew that the money was in my account. Once I told him that I never received anything stating that they were checking my credit and I never authorize them to check my credit. When I hang up that they denied my purchases and refuse to allow me to use the service and wiped out all of my purchasing power.
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've noticed that there was a debt with Klarna under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.
|
| 12/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.
|
| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
on XX/XX/2023 i had ordered an XXXX XXXX XXXX XXXX through the klarna app. The next morning i got an email from XXXX saying that there was a problem with my order so i just cancelled it thought the XXXX website. I guess klarna didnt get the cancellation and they charged me {$580.00} for the phone like if i had received it. I contacted them and i told them i had cancelled the order, they told me that it does look like it was cancelled and that it would go through on XX/XX/XXXX and in 5-7 business days i would get a refund. I reached out to them on XX/XX/XXXX again because i was still concerned about my money and then they told me that they didnt see that klarna received a cancellation. i was confused because i thought that they were going to give me my money back 5-7 business days and its now been almost two weeks and i still havent gotten my refund.
|
| 11/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
According to Klarna I have {$2600.00} in purchase power. I have never been denied their financing options before nor any other of their competitors. When trying to purchase something for {$1800.00} that is supposed to have a no interest 36 month financing program from Klarna I am only presented with other options much less favorable. I contacted Klarna to ask why this is happening if I have never had a late payment to them, I have more than enough purchasing power, and I have excellent credit. They have refused to give an answer and just claim the process is automated. One representative who I spoke to suggested me paying off another small purchase with Klarna. I made this payment in full 7 months early. This had no effect on my ability to finance the other item. I told them they are required by law to inform me of the reason but they refuse to do.
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/XXXX {$25.00} Late fee charge from Klarna for a missed payment Since XX/XX/XXXX an automatic payment was set up through my back and as of XX/XX/XXXX, I was notified by a letter I missed my XXXX payment.
When checking my online account portal account my automatic payment account had been removed.
XXXX has no direct phone number so I was forced to use a " chat '' function to dispute the charge.
The rep said, " In this case, Klarna does not cover late fees on your bank since your payment is set for manual payments. '' I had to point out 6 times during my entire interaction that I had automatic payments set up since XXXX and that in XXXX they deleted the automatic payment.
Finally I was told they escalated the issue and they would respond in the chat, but I would need to download their app.
There was no option for a phone call or email.
|
| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2022, Klarna was used to purchase purses through XXXX. I did not receive 3 of the items that I was billed for and that Klarna continues to draw money out of my personal checking account 2-3 times per month. Money that I do not owe. XXXX has repeatedly told me that their company, has confirmed to me, has sent to Klarna the refund information for the amounts that I should not still be paying for. I have sent personal communication to XXXX and XXXX both and XXXX says it's Klarna that needs to handle this and they are not at fault as of now. Klarna will not acknowledge any more communication from me at this time and help with this matter to refund money owed to me and discontinue drawing my money that is not owed to them. I want resolve to this situation asap and I want my money returned to my bank account and no further money paid to then.
|
| 12/27/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
- UNITED STATES MINOR OUTLYING ISLANDS
- XXXXX
|
Web |
Older American |
|
The XXXX customer care team does not accept returned items that are used or damaged, which was the conditions the three pairs of earrings that XXXX XXXX attempted to return.
Given that XXXX XXXX received a refund for the Leather XXXX XXXX that was in a good, unused condition, despite XXXX 30-day return policy, and XXXX returned her three pairs of earrings in the same condition as she sent them to XXXX, we view this matter as closed.
AFTER DUE DILIGENCE I HAVE COME TO THE CONCLUSION IN WHICH THE MERCHANT IS ADMITTING THE RECEIPT BUT NOT BEING ACCOUNTED FOR THE MISSING EARRINGS AND CREDIT AT THIS POINT I NEVER RECEIVED A CREDIT FOR THE RETURNED THREE ( 3 ) PAIR OF EARRINGS WHICH WERE RECEIVED NOR THE EARRINGS BACK WITH THAT SAID I NEED THE EARRINGS BACK OR A CREDIT. AT THIS POINT THE EARRINGS ARE NO LONGER AVAILABLE AT LEAST FROM WEBSITE
|
| 04/15/2021 |
No |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer.
XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase.
XXXX - Nothing happened.
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.
|
| 12/16/2020 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I purchased some items at home depot and was approved for a Klama Inc credit account.
I had a balance due in the amount of XXXX dollars and when I attempted on line to make payment prior to the XX/XX/XXXX due date and I was not able to. The Klama Error message was I could not submit payment at this time. I tried many times and Failed. I tried calling Klarna customer service to resolve the issue and just got recorded massages that said to go on the web and pay.
However I received a late pay email from Klarna on XX/XX/XXXX with a XXXX late fee then the payment was accepted. I paid a total of XXXX the XXXX Plus the XXXX late fee. I do not have time to play these games with a company that rips people off with fees. The company has committed a grave malfeasants in this matter. XXXX knows how many other people they did this to.
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze.
Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze.
Any questions I can be reached at XXXX
|
| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed and order with XXXX XXXX using Klarna as a payment method. For some reason, there was an error during processing. As a result the Tickets were never fully processed, in working with XXXX XXXX they ended up voiding the tickets. I then sent proof of the voided tickets AND my communication with XXXX XXXX to Klarna. They informed me that I need to open a dispute. So i did and again provided them the Void tickets and communication with XXXX.
Klarna then closed the dispute because i did not respond, " as they assumed i was able to resolve it with XXXX '' .... however i did resolve it with XXXX XXXX but Klarna is still showing that i owe the full amount. Simply not true, nor did they ever try and ask XXXX I have emailed, called and used there Chat feature. NO ONE HAS REACHED OUT TO ME FROM KLARNA...
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
So in XXXX, two fraud loan accounts we're opened under my name. I was unaware of this until I saw my credit report because I am soon getting a mortgage in my name. They are under the company names Klarna. I have spoken to Klarna and they have tried to get the accounts opened but they can not as someone has just used my name and they have declared it as fraud. I honestly need your help please Klarna are not taking the matter seriously and I need to have the fraud removed from my credit report as soon as. The action I took as soon as I found at was call the bank who suggested because its fraud speak to Klarna and they will sort it which I have and I have also reported to the crime and fraud team but nothing is being done to resolve the matter. So please if you could help.
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase from XXXX on XX/XX/2022 for {$500.00} under order # XXXX. The order never shipped, so I cancelled the order, however, I was still charged for this purchase from Klarna and the full amount was deducted from my checking account. I contacted Klarna and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact XXXX to resolve the issue with them. I then contacted XXXX and was told that they notified Klarna of the cancellation and Klarna is responsible for the refund of my order and that I would need to contact Klarna for a refund. Klarna and XXXX need to talk to each other to get this resolved. Neither company is taking responsibility and I would just like a refund of my {$500.00}. Thanks.
|
| 01/16/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Purchased a new mattress who uses Klarna Inc as a payment provider. Since then, we receive bills in the mail from Klarna, but their website will not link my contact information to my account, which makes it impossible to make a payment online. Customer support is at best described as terrible utilizing only a website " chat '' function because their XXXX number just disconnects you when you try to use it. I want to pay off my account so I never have to use this terrible website again, but they won't allow me to make a payment and they are now saying I am behind in my payments even though I HAVE TRIED NUMEROUS TIMES. This company is fraudulent because they willfully prevent consumers from making payments, then they charge a " fee '' when the payment is not applied.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased shoes through a. Company called XXXX shoes via Klarna with my debit card and later learned from online reviews that the company had a bad reputation and fraud allegations. I tried to cancel the order and the company refused even though order has not been shipped and that is what the online complaints at XXXX state the company would do even though their policy says otherwise. I contacted Klarna to stop payments and they are unhelpful and are allowing the fraud. I contacted Klarna today to withdraw my authorizations for them to debit my card or bank account and their rep just ignored my repeated request to withdraw authorization. I want my account with Klarna closed immediately and any and all authorization to debit my accounts revoked as requested
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
ORDERED AN ITEM WITH XXXX. THEY FAILED TO SHIP PRODUCT BUT KLARNA CHARGED ME ANYWAY. I TRIED TO INFORM THEM THAT XXXX NEVER SHIPPED THE ITEM. XXXX CREATED A SHIPPING LABEL BUT NEVER SHIPPED THE MERCHANDISE. IT IS IMPOSSIBLE TO GET RESOLUTION FROM XXXX CUSTOMER SERVICE CHAT. THERE IS NO WAY TO DEAL WITH ANYONE IN THE UNITED STATES. XXXX WERE NOT SUPPOSED TO BILL KLARNA CREDIT WITHOUT SHIPPING. XXXX HAS CONFIRMED IN WRITING XXXX NEVER GAVE THEM THE MERCHANDISE FOR SHIPPING. XXXX JUST CREATES LABELS AND CHARGES PEOPLE THEN IT IS IMPOSSIBLE TO GET CREDIT FOR ITEMS NOT SHIPPED.
THE ITEM WAS SUPPOSED TO ARRIVE XX/XX/XXXX ( LATE AFTER FAILING TO MEET THE EXPRESS FEE TIMELINE ) BUT UPS CONFIRMS AS OF TODAY XX/XX/22 ITEM HAS STILL NOT BEEN MADE AVAILABLE TO THEM
|
| 03/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have had an account with Klarna since early XXXX. Beginning XX/XX/XXXX Klarna began asking security questions that did not pertain to me, clearly pulling in data from another individual with the same name. When I contacted Klarna support and voiced my concern they advised there was nothing they could do. Ever since voicing my concern to their support staff I am now being denied use of the line of credit completely. Their application is going from we need to verify some additional security questions direct to denied without even attempting to ask security questions. It feels like this was a retaliatory move on Klarnas part for me expressing concern that the data they had for my account had somehow begun to mix with another individuals of the same name.
|
| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for a one-time use charge card with Klarna, I was denied because of my credit history.
This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school.
I extended my credit to the company but received no benefit and no approval.
This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it.
I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Pursuant to 15 usc 1692b XXXX is a 3rd-party debt collector they've stated I owe an alleged debt to Klarna. I've never done business with this company, but they are trying to acquire an alleged debt.
I've never done business with neither company this alleged debt arise from.
XXXX has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector.
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with XXXX Pursuant to 15 usc 6802 Klarna has violated my rights by providing my personal information to XXXX XXXX is also in violation of 15 usc 1692c because I XXXX XXXX did not give XXXX my consent to communicate with me about alleged debt.
|
| 02/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XX/XX/2021, i utilized a virtual in-store card at XXXX. The virtual card was used for a purchase of pendant necklace in the amount of XXXX. The XXXX store is located in XXXX, TN ( XXXX XXXX ).
I returned the item on XX/XX/2021, same store. I spoke with the department manager that printed a new receipt showing the return of the item. And a purchase item return receipt.
Ive contacted Klarna sent all relevant documents. To no avail, no results from Klarna. Ive receive emails from Klarna investigation team requesting those documents, I sent documents to them on several occasions, but they continue to close investigations alleging that I never sent documents. Also they continue to attempt collecting money for an item I returned already.
|
| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I attempted to make a purchase from XXXX using Klarna. Klarna initially asked for a {$48.00} down payment but then I was declined from using Klarna Klarna declined me. I then use the same debit card to purchase the item in full. Klarna still has charged me the down payment. I have been charged {$48.00}. The charge was first pending and I contacted Klarna on XX/XX/XXXX and was told the charge was pending it will be released but now on XX/XX/XXXX I have been completely charged {$48.00} by Klarna it is no longer pending the charge has completed XXXX is not assisting me saying that it is showing pending in their system although I have sent them a screenshot of my bank statement. I do not even have any pending purchases in the app for Klarna
|
| 11/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XXXX I placed order XXXX with XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I paid through Klarna. I canceled the order the same day. XXXX advised I could not cancel until the item was delivered. I rec 'd a notice from Klarna to make a payment. I advised Klarna I cancelled the order, and closed my acct to stop further withdrawals. I continued to receive notices from Klarna to pay. I contacted XXXX, who said they did not know when the item would be delivered. I contacted Klarna, they said they wanted paid. I said I didn't receive the item. In XXXX, Klarna said they received proof of delivery from XXXX, but failed to provide the underlying documentation. They told me to file a complaint with XXXX. XXXX said to file a complaint wiht Klarna.
|
| 03/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/2021, I uploaded a Klarna in store card for XXXX ( store location : XXXX, NJ XXXX ) to my XXXX Wallet. The store clerk rung up my clothes in the amount of {$130.00}. However, she stated that the Klarna App doesnt work in store yet, and said the transaction didnt go through. I was XXXX, nevertheless, showed the transaction went through on my end but she refused to bag my clothes. I left the clothes at the counter and walked out empty handed. I waited to see if I would receive a refund, but instead Klarna has been taking payments. I called Klarna, emailed them too. Ive been told that this would be resolved but I still havent received my money back and I have an outstanding balance on a purchase that was never made.
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I have an account with Klarna, and with whom I have active loans. However, I attempted to user existing credit to make a purchase but Klarna decline me for the following reasons : " After carefully reviewing your request, we weren't able to approve this purchase because we couldn't verify the personal details you provided. Please check that your details are correct before trying to use Klarna again. '' XXXX - this lacks specificity, what information was suddenly unverifiable?
XXXX - this is a farce! They declined me because I refused to link my bank account through a third party. I should not have to provide my bank account information, and I shouldn't have to agree to preauthorized XXXX to get a loan.
|
| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I attempted to make a purchase on XXXX website. It was advertised specifically, " Klarna : split your purchase into XXXX interest free payments. '' I did this and upon checkout was not given this option but other longer options with interest. So an account was created for me with Klarna. This seems to be a bait and switch scam. I have been injured by this as my credit score dropped as a direct result from opening this account. I realize that can happen when opening a new line of credit but I was tricked into opening an account that I was not allowed to use as advertised. I have contacted both XXXX and Klarna about this issue multiple times about this issue and they each keep referring me to the other.
|
| 11/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I hope this letter reaches you in good health and spirit. My payment installments have came off of hardship, I updated my card on file before this happened and my payments are not going through. Now Im being charged late fees for installments that I have funds to pay but for some reason Klarna is not allowing my payments to go through. Since the payment failed its going to charge my card more and I can only afford small payments at this time, not double and triple payments. Can you please help me resolve this matter by reducing the payment amount, take the late fees off and allow my payments to go through? Thank you very much for your time. Have a wonderful day and please continue to be safe.
|
| 02/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I made four orders on the website. One XXXX XXXX order was returned to sender and i never received it. I was never credited for it. I Complained and sent documents to Klarna. I also spoke with XXXX XXXX and they said they already processed my refund. Klarna says they have no record of the refund. I also returned an order from XXXX XXXX, and they emailed me XX/XX/2023. I notified klarna and they are refusing to refund my money. They will not close my account and keep Automatically taking money from my bank without my consent. Lasty, I ordered items from XXXX XXXX XXXX a pair of pants did not fit so I returned them. They are refusing to refund my money with this order as well. XXXX XXXX
|
| 09/14/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
good XXXX yes indeed I use klarna, but since the month of XXXX XXXX I have not made any order first because my purchasing power did not allow me and I wrote to you then from there I did not buy again with you then I lost my phone I will leave you the report of XXXX XXXX I was without phone for XXXX weeks I reported it to the insurance they sent it to me in 4 days and then I lost the access to the account then you were still logically taking money from my account I will rely on my account logs of course because I saw that you the initial disappears I will leave you all the proofsTHEY STARTED TO REWRAP XXXX ME BECAUSE THEY KNOW THAT WHAT THEY DID IS NOT RIGHT I WILL ATTACH THE PROOF.
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I used to have a roommate, an old lady, she didn't have a personal phone or email so she decided to open an account with this lender using my email, phone number and address ( she was a roommate ). The lady passed away last year and this creditor keeps trying to collect from me. I already requested multiple times to remove my information from this lady 's account and they refuse, they say I am liable for her bills. I am not a family member, have no contact with her family members and this creditor keeps sending me emails harassing and trying to collect from me. Is there anything that can be done to stop? They have been sarcastic, ignoring my requests, it's a very creepy situation.
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The company Klarna/XXXX appeared on my XXXX credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
|
| 12/09/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I run my credit to purchase a bike a month ago and the credit check was good. I recevied a loan for XXXX. Its has been weeks and I keep having technical issues trying to make the purcahse. I have called several times and any issues all the response I get is a supervisior will try to contact you however no one has contact me since and I had an order canceled. I have been waiting too long and I am upset that any fraud investigation have not been resolved so I can make my purchase and be on my way. In these COVID times I actually have money to pay and Klarna doesnt want to make this work. Im not getting the purchase I want and all this is doing is damaging my credit history
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The creditor Klarna is misleading consumers with the option to pay for an online purchase in installments using a card and asks for address, date of birth and without consent or warning attempts to pull your credit report ( which mine is locked ) and then declined the purchase with the reason " report is frozen with XXXX '' How can Klarna even verify they have accessed the correct report with having provided them a ssn. Its very misleading and there should be a disclaimer so consumers are well aware. Had I known I would not have entered my information. They are acting as though this is a buy now pay in 4 payments like XXXX and that is false. See supporting screen shots.
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I had opened a case up a couple of months ago explaining the same issue I'm about to explain today, klarna resolved my issue once I opened a case up with CFPB but my Klarna account has reverted back to not allowing me to make purchases even though I have buying power available and I have made no changes on my personal information to cause my purchase thru Klarna to be declined. If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my account has to continue to be locked up whenever they feel like freezing it for no good reason and then it's like pulling teeth getting them to fix it. Please help me with this.
|
| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I hired photographer to take some professional pictures for my business. We had a consultation meeting to discuss my expectations. She suggested I use a fabric back drop wi to my brand color. She even created a mood board with the image poses I supplied and my brand guidelines she requested. I used Klarna to make my payment. Day of shoot, the photographer said she couldnt the main pose I asked for and she didnt use my brand colors. I was not happy and ask for a refund. She refused. I dont have any pictures from the shoot and Klarna refuses to cancel the payment citing that they paid the business already. I did not receive what was agreed on and Klarna refuses to help.
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello Klarna, I need your help. XXXX is still reporting a hard inquiry on my credit report from XX/XX/2020. I reached out to your customer service about this matter several times. In the email attached, you stated that a request was sent to XXXX for removal of the hard inquiry. Also, another agent told me that your company does not use XXXX for credit decisions and there should not be any inquiry from XXXX on my credit report connected to XXXX.
XXXX is still reporting this hard inquiry on my credit report, and they have stated that they have NOT received a request from Klarna to remove the hard inquiry.
Please help resolve this issue.
Thank you, XXXX XXXX XXXX
|
| 07/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I have contacted their customer service representatives with no response back! I can't log into the site to change my payment method and I've told them repeatedly on chat that they need to change my payment method and not take it off the card ending in XXXX!! Someone on there and changed my card to the primary ending in XXXX without my permission because I have not been able to log in!! Now they're blocking me from logging in!! So I can not change any payment method or anything!! They have also took away all my credit limit without an explanation other than it's based on my credit report! My credit report is better now than it was when I first started using them!
|
| 09/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
This complaint is about Klarna, and it is very serious. Consistently Klarna tells its users that its has about {$1300.00} is credit but only ever allows it to spend just under {$300.00} over time no matter whether one has excellent payment history, pays early, has excellent credit rating. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.
|
| 05/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 I purchased a mattress and box springs set through XXXX XXXX XXXX. I financed my purchase through Klarna/XXXX XXXX. I was promised - which I have photographs of - an APR of 9.99 % for 2 years which was a promotional rate specific for XXXX customers and a XXXX $ monthly payment. I received my first bill and they changed the APR to 0 interest if paid by XX/XX/2020 and a 19.99 % APR if the balance was not paid in full by then. I have contacted customer service via email and phone. I was told send in the photos I took of the promotion I was offered - and I did - but I have not received a response and my account has not been updated.
|
| 08/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I hope all is well I would like all the late fees removed from my Klarna account please because its not my fault that XXXX allowed my account to get hacked and someone made charges on my Klarna that wasnt me. I filed a police report when it happened as well as contacted XXXX headquarters. Im now with XXXX XXXX due to all of this. They did a SIM card swap and was able to get in my phone and get access to my Klarna. Because of all of that it caused me to have late fees. Can you please remove the late fees it will make it easier for me to pay the balances. Thank you very much for your time. Have a wonderful day and please continue to be safe.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reached out to this company last year stating I never received a package from a company. I follow up with XXXX who confirmed that the tracking number the company provided was for a different address and it could been the right one. I also provided pictures of me emailing the company with no response. More pictures of other people putting the company on blast for sending out fake tracking numbers and not providing product. The company has never resolved this issue. And on my account its showing missing payments for a product I been emailing the company about I never received. This has been on going for two years and it hasnt been resolved
|
| 04/12/2021 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Since 2019 I have made payments through a nonprofit debt repayment program at XXXX XXXX XXXX XXXX. When I entered the repayment program ; a proposal was sent to this company Klarna to resolve this debt. The agreement provided for a reduced interest rate 10 % and a modified monthly payment.
With this agreement I show a current balance owed of approximately {$450.00}. Klarna claims I owe {$600.00}.
I am unable to speak to any representative regarding this matter. No representative can or will answer questions or seems to have any knowledge of the agreement.
I am attempting to resolve this debt according to the agreement of XX/XX/2019.
|
| 04/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/XXXX I received a duplicate charge to my XXXX card for initial payment in a 4-part installment plan for a ticket purchased from XXXX. I've contacted both XXXX and Klarna for 10 days and neither company will take responsibility for the duplicate charge. I've sent confirmation from XXXX that the duplicate charge was voided but Klarna continues to threaten to charge my card and says XXXX is the only party who can resolve this. Klarna has told me to stop contacting them unless there is new information. Duplicate charge : XXXX or XXXX Valid charge : XXXX or XXXX I've disputed the duplicate charge with XXXX on XX/XX/XXXX.
|
| 10/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
i set up a payment plan when i did my purchase to avoid interest. i was surprised that my plan did not go through and was defaulted to the minimum. so this company get the interest. i contact them to solve the issue and the said that automatic payment is set up only for minimum payment and not for more than that. this is misleading, how can you offer automatic payment and allow only minimum payment. this tactic is used so the company can collect interest no mater what. my purchase was for {$700.00} with 6 month no interest, i set up $ XXXXmonth payment plan to avoid paying interest but klarna keep making it {$25.00}.
|
| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
Older American |
|
KLARNA XXXX " buy in 4 installments '' plan no longer allows me or other consumers to use our accounts as KLARNA is doing a soft pull on our XXXX credit reports.
I have never given KLARNA access to my XXXX report. I do not recall them asking for my permission.
I was in a merchant that KLARNA uses and they were unable to complete my purchase although I had {$590.00} in available credit. I contacted KLARNA on XX/XX/2022 at approximately XXXX EST and was told by a representative that KLARNA decided to " try something new for future purchases ''.
I feel this is unfair, illegal and very biased.
Please help.
|
| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/22 I attempted to manage my Klarna card via their mobile app. The application returned an error stating that my identity couldnt be verified. I did not agree to any additional credit checks so I am unsure what the verification is for. I was simply attempting to manage the account to prepare for an address change. I contacted Klarna using the number printed on the back of the card, XXXX, and was connected to a representative who sounded like they werent sure what I was talking about. After a silent hold, they came back and said they couldnt support me and that they would forward my request elsewhere.
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| 07/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, On XX/XX/XXXX, I logged on to Klarna because I wanted to make a purchase with my purchasing power of {$650.00}. I went to use it but received a notification that I had a balance due on another account. I was confused because I only have one account. I spoke with the chat and they were no help. They informed me of an email address I don't know. They filed a dispute.
I called the XXXX # and XXXX helped me change my name and informed me that someone else had a similar name and the same birthday as me ( XX/XX/92 ). I would like this removed. It is not me. I would like my purchasing power restored.
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| 11/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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My problem is with Klarna, a buy now, pay later service.
My wife and I made a purchase through Klarna with XXXX XXXXXXXX, for {$910.00}, on XX/XX/XXXX. Klarma charged me half upfront, so {$450.00}, with the balance due in three payments. We placed the order for curbside pickup.
XXXX refunded my order on XX/XX/XXXX, as they gave away my order in error, to another customer.
XXXX refunded {$240.00} to my debit card. They then refunded the remaining {$210.00} to Klarna.
Klarna now owes me {$210.00}, for the balance of my refund. I have contacted them multiple times, but they will not refund it.
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| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I ordered from XXXX XXXX XXXX XXXX ( XXXX XXXX deal with this ) After months they contacted me and told me they can not fulfil fill order - so cancel it.
The credit company I used KLANA have had the refund but not refunded me as promised.
In the time it took waiting for my order I'd paid 2 of the 3 installments totalling XXXX I am still waiting for this to be refunded.
I received an email to say they had sorted it but still after waiting no refund has arrived.
Their customer service is poor Bizarrely there seems to be an XXXX charge still on. Although I received non of my order.
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| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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the lender charges a late fee of XXXX dollars every month as I am making my payments of XXXX dollars on time. They say that i should pay XXXX dollars every month on a balance of XXXX dollars. They minimum amount due is excessive and their practices really against any expectations from the US consumers. This is a XXXX XXXX company tied up with XXXX. I did not expect the latter company to subcontract with non usa based companies as i used them to see a football game in XXXX. XXXX vs XXXX. Foreign lenders need to clearly disclose they are based overseas. The company is called Klarna.
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| 06/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Since my previous complaint has been closed by both you and Klarna, I suppose I need to open a new complaint regarding my 2nd account with Klarna.
I just sent an email with this message to Klarna.. I have not received the XXXX monthly statement for XXXXXXXX XXXX payment so far. it has NEVER been this late before, I have ALWAYS received it on the 2nd of the month. Seems like you are st Ill jerking me around. When can I expect my XXXX monthly statement for XXXXXXXX XXXX While the original complaint seems to be answered, now I have a complaint related to my other payment account
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| 10/08/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021, I first contacted this company to let them know that I did not know anything about this debt and needed information on the transaction. I was told that they were unable to provide proof of the debt at this time.
Since that day and today ( XX/XX/2021 ), I have attempted to contact their customer service agents several times via email and chat to resolve the issue. Today, I went ahead and paid the {$400.00} debt because I do not need that on my credit report. I have explained to them several times that this charge could have been fraud, and not one person cared.
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| 03/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I attempted to place an order with Klarna and was advised that my purchase could not be processed. I called Klarna and advised that there was a purchase that was not paid for. I had not made purchases from them in several years and both purchases were paid in full. I was advised that a purchase was made by an unknown email address with my information. I advised that the purchase was fraudulent. I verified my information and was assured my file would be corrected. I have made numerous attempts to get this resolved but am unsuccessful.
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| 06/17/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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I issued payments to KLARNA via my bill pay through XXXX XXXX in XXXX XXXX, fl. I used the address on their acct information in OHIO and both bank checks were ( for two months ) were returned to me as undeliverable. I them paid KLARNA direct from their website. You can not get through to them via phone, everything is chat. They agreed to remove the negative comment on my credit but I had to determine what day the entry was made, I was unable to do so. Can you investigate for me I would appreciate it. Thank you XXXX XXXX XXXX
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| 05/28/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2023 i have recieved another email and another phone call from the company XXXX XXXX in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.
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| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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There was a problem with my auto draft as my original source of payment was compromised. I attempted to make the correction but Klarna was not easy to work with or accepting. They sent me to XXXX XXXX, their collection wing. I made the entire remaining balance payment to Klarna on XX/XX/2023 in the amount of {$680.00}. The next day on XX/XX/2023 XXXX XXXX took {$680.00}. When I noticed both payments were processed, I called Klarna ( XXXX ) to ask for one of the payments to be refunded. They refused.
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| 12/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Klarna created debit card to cover purchases made thru XXXX XXXX using my XXXX XXXX account for weekly payments. Items missing from order never replaced or refunded. Automatic messages from XXXX suggest refund or replacement of items but no follow up by XXXX XXXX what so ever. School clothes purchase for children of XXXX ended up taking lost on school clothes.While payments be taking off card to cover charges.Evidence submitted several times since XXXX no response or help from XXXX or Klarna.
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| 09/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to XXXX XXXX.
We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
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| 02/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I keep trying to apply for an installment loan from Klarna. I made several purchases with them and have paid them off early or right on time with no issues. I have been trying for 3 years to make a new purchase but with no avail I cant create a new card. The reason I am given by a pop up is that I maybe missed a payment. When I called customer service they tell me my payment history is good every thing paid on time and in full. I know I have good credit so it cant be that either
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| 04/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I made 3 payments to Klarna in the month of XXXX totaling XXXX.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account was up to date and according to the app I had paid on time. Now they are trying to say that i owe a XXXX late fee when I was already charged a XXXX late fee in XXXX.
Now on XX/XX/XXXX I made a payment and apparently I can not be refunded my XXXX because of that. Which makes zero sense.
Companies that take advantage of people like this should be fined.
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| 02/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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XX/XX/2022, {$840.00}, WITH Klarna who I contact to confirm my purchase limit was told it was {$560.00}, I went to purchase an order that was {$840.00} and was asked for {$490.00} down, which was available in My Account, went to complete checkout and the order was blocked stating " unable to complete '' after being lied to by a Servicing rep who could not explain earlier why a cheaper order was approved and told me the reason, gave me the paydown amt and blocked the order.
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| 09/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections. We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
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| 03/07/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled.
I have sent the information to Klarna also. They refused to accept it.
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| 11/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have been trying to get this resolution with Klarna for over a month and they keep telling me that they are going to get it fixed and all I am getting is the run around. I have kept my account in good standing and I have never had a problem using my card until XX/XX/2021 and since then they will only tell me the same thing and not fix this issue. They say the system wants to verify my identity but they will not give me an option to provide the information.
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| 07/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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- UNITED STATES MINOR OUTLYING ISLANDS
- XXXXX
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Web |
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I attached the documents and emails with dates I purchased an order and did not receive it and it was resent but there was an exchange needed and they did not credit it and the merchandise has not been exchanged and the original merchandise is with the vendor XXXX. I have tried to call but they disconnect and no one seems to know what is going on and I have received no help I sent a letter to the XXXX and still no response at this point I want my money back
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| 11/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.
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| 05/04/2021 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Confusing or missing disclosures
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Web |
Older American |
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I called and chatted with the company 's customer service representatives and they told me that they abide by whatever the merchant says. I purchased from a merchant 's name is XXXX. I purchased two shirts on XX/XX/XXXX they were too small I returned them they've been in their hands since XX/XX/XXXX. The company that I used for the financial transaction tells me they will not refund my money until the seller gives their okay which is 28 days from now!
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| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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On XX/XX/2023 at XXXX XXXX I made an XXXX reservation in a Klarna credit card ending in XXXX for {$1700.00}. Later on that morning I cancel the reservation and XXXX issue the total refund back to the card.
I have provided verification to Klarna Dispute Department and they continue to insist that I own them {$1700.00} even when presented with receipts that the money was refunded back to them. This dispute has been on going since XXXX till today.
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| 04/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I signed up to use Klarna and to my surprise was told that i already had an account with them. i have no idea how this came about. so i asked them to investigate this situation and was never given an update until yesterday when the rep told me that it was opened and closed. I was not given any type of update or any other any information. i have no idea where this alleged account come from and this company is not giving me any information about it.
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| 05/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I contacted klarna and was advised by the representative to close this said account because of the issues they were unable to resolve by linking my bank and I followed all the steps and was told that it would be closed and the account has still not been closed and I have yet to receive proper validation of that account being closed. I have reached out to them and they continue to say the same thing about this account and nothing is being done.
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| 04/21/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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Klarna is a bank that should be put out of business!!!
They have NO Customer service, they will not have a supervisor call me back!!!
I have tried for TWO WEEKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Their website is broken, it wil not show the info that I need, that is why I need a call back.
They have NO IDEA WHEN A SUPERVISOR WILL CALL ME BACK, AND HALF OF THEM DONT EVEN KNOW HOW TO GET A SUPERVISOR ON THE PHONE!!!
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| 08/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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I made a purchase through Klarna but cancelled the item right after placing the order, die to buyers remorse. No Klarna is saying that I still owe the interest and fees associated with the order Cancelled the same day. I tried to contact Klarna directly to resolve the issue with the {$2.00} fee but they refused to help me. They put me on hold for over an hour then hung up. I tried to call back a second time and the same thing happened again.
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| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end concurrent credit plan as late for any purpose.
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| 07/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
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Klarna continues to act as if they are not receiving my payments and adding reminder fees to my account. I have sent screenshots of payments that were sent from my bill pay account and the dates they were sent but they continue to act like they didnt receive the payments. In the last complaint I filed, they still denied the payments received. I have called them and emailed multiple times and they do not respond.
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| 06/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I previously filed a complaint with this company due to never receiving my order and my account being restricted due to unpaid balance. Company credited my account and removed restrictions as stated in previous complaint and confirmed that I owed no balance and this was on XX/XX/2023.
On XX/XX/2023 I received a COLLECTION notice and document from debt collector which is also attached with this complaint.
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| 08/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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|
Web |
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Okay I waited over a month to get a refund back from XXXX and I contacted them and they already send the refund back to Klarna and Im still showing that I owe XXXX but I return the computer back end of XXXX and I never got a email from Klarna or them saying they resolved my issues the order number is # XXXX I send them the tracking numbers and credit receipts but Im still being charged for this laptop
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| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To Klarna/XXXX and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.
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| 05/25/2021 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Klarna rep XXXX reffered a issue of klarna merging a unknown balance on to my account and was told that this required a speacilist team more than 30 days went by and no speacilist had contacted me. Tried to message klarna and was told I was reported to collections. Under the FRCA, and Fair Debt collection practice act. a account balance In dispute does not constitute going to collections
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| 07/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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The ability to make payments through their app was modified and i was not able to log in, i had to mail in a payment and then i received a late fee because i didnt make the payment on time. Their faulty app not working was the reason i couldnt make the payment on time. They refused to waive the late fee and they are threatening to issue more late fees if i don't pay the late fee
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| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
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I sent several emails to Klarna financial services regarding charges that were made fraudulently with my bank. I then went to XXXX to report this account and print out documentation to send to Klarna headquarters. They never responded back to my letter or emails and they continue to harass me via phone calls trying to get me to pay or they are sending my account to collections.
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| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
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| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Klarna falsely reported via other institutions chargebacks or certain items with chime that I never got, thei decisin despite issues refunds after reporting them to governing bodies remained that since I exercised my right although I owed no money to Klarna I would not use their platform or have a {$0.00} spending power in retaliation of these rights being protected.
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| 03/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
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Web |
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I didn't like the way they collected payments, so I paid off the loan in its entirety before the first payment was due. Then I requested they close the account. That was in XX/XX/2019. As of this date, I have called them back two additional times and they have still not closed the account. It is XX/XX/2019 today. They keep promising, but they never close the account.
|
| 01/01/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American, Servicemember |
|
Dear CFPB, An account was opened on XX/XX/2022, using XXXX XXXX XXXX 's address, Social Security number, and possibly his birth date. The account Order reference number : is XXXX. A lack of payment is probably affecting XXXX XXXX XXXX 's credit score, causing harm to his credit score. The business address is Klarna, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX : XXXX.
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| 10/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I made an order and did not receive the items. I called the company multiple times and they would not give my money. I also reached out the the borrower to get assistance and no one has reached out to me. I just want my {$700.00} back so that I can move on with my life. I also filed a police report in order to get my money back. Dc # XXXX
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| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
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| 01/26/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly.
KLARNA/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online
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| 05/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020 - XXXX XXXX, XXXX XXXX checked my credit without my permission. I was a victim of Identity Theft.
Also, on XX/XX/2020 - Klarna / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.
|
| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a letter from Klarna that was dated XX/XX/2023 stating that I had until XX/XX/2023 to pay a debt owed or I would be sent to collections. I did receive the letter until XX/XX/2023. My account had already been sent to collections before I was aware of the potential for that and/or able to resolve it prior to.
|
| 08/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Why does an inquiry for klarna/XXXX ( XX/XX/2021 ) appear on my credit report ( XXXX )? Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act?
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. Sincerely
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| 04/25/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep getting emails from Klarna finance company stating that I owe a monthly payment of {$100.00} that is past due. I have called them several times, sent several emails stating that I do not owe them any payments. The merchandise were returned. They keep sending me these emails. I want this to stop.
|
| 11/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
XX/XX/2023 access was denied. Was asked to called XXXX or XXXX. So, I did XX/XX/2023 - the issue was resolved as I purched using some for my XXXX amount givie=e.
XX/XX/2023 access denied. I logged into this website and they had my number wrong. So, I repaired it. However, it's still acting strange.
|
| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I contacted Klarna mutiple times to receive a refund for my orders because the merchant did not honor their 30 day return policy. Which is clear as day on their website. XXXX XXXX XXXX They told Klarna they do not accept returns but they do according to their policy. I want both orders refunded.
|
| 11/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
1. Agent with Klarna Customer Service Lovepreet intentionally repeatedly called me ma'am, despite already knowing that I am male and that my name is XXXX XXXX XXXX. She apologized and then continued calling me ma'am. I asked her to apologize a second time, and she said " I'm sorry ma'am. ''
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I already filed a complaint against this business and nothing happened! They continue to send me email traying to collect a debt that is not mine! I called them today, spoke to XXXX and she refused to remove my email address and refused to transfer me to a manager.
|
| 09/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company.
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/09/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have applied twice for Klarna since XXXX and XXXX but have been denied pre qualification according to them I have less than 12 months of revolving bank cards which is false.
I have 1 year 2 months on one card, 3 months on another and a month on the other.
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I did not open this account. I notified Klarna and they have not been able to resolve this issue. I have contacted Klarna several times. The charges on this account are {$460.00}.
My identity was stolen in XXXX of 2019. I have a police report.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
three occasions on hold more than 30 minutes to explain I do not know this company and did not apply for credit. every time i am told they will eliminate the account and apologize for the continued billing. still, i receive payment notices.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2023, I requested that XXXX XXXX XXXX stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i was a victim of the XXXX data breach of XXXX and the XXXX XXXX fund dividend data breach and because of this my information was stolen KLARNA CREDIT place account with XXXX XXXX XXXX Account number XXXX it not my account
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I brought the ticke to klarna for {$670.00} Still no had ticket either reservation still no refund my {$330.00} I give down payment for buy the ticket still say investigation and nothing happened until todsy
|
| 08/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I have repeatedly asked that this account be closed and to have my banking information removed from the platform. Instead the continue to have the account and send me unrequested solicitations.
|
| 08/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I returned the items purchased through Klarna and sent confirmation of refund several times. The company has tried to restart the payment plan 3 times! At this point its attempted theft.
|
| 08/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Applied for personal loans through XXXX XXXX and/or other credit XXXX apps for free rates/quotes without a hard inquiry. Not approved for hard inquiry and must be removed immediately.
|
| 04/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I switched banks and had one of my payments fail, after the field payment, I paid off all of my debt with Klarna. Yet even after paying everything off, I cant make any purchases
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They told me that due to errors with retailer and me requesting and sending FTC COMPLAINTS they decided to minimize my credit in retaliation for protecting my consumer rights
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi I submitted the payment to Klarna the other day to resolve the issue. I wasnt aware it was sent to a debt collector and they took my money for that payment already.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021 Klarna XXXX has an inquiry on my credit report that I did not authorize. I do not know what this is or why they ran my credit.
|
| 11/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Earned wage access
|
|
|
Web |
|
|
I asked Klarna to cancel my membership and told them if I was charged I would be filing a complaint. They continued to charge me anyway.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I have notified XXXX XXXX of a reopened XXXX XXXX case. They are still reporting me delinquent -- Correct Credit report
|
| 03/24/2021 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
XX/XX/2021 My debit card was used to make a payment on an unknown Klarna account XXXX for {$74.00}
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I want to dispute this debt because it isnt mine and i believe the account was open fraudulently
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XXXX XXXX And klarna. And apple.Please remove Those. It XXXXXXXX my self that applied.
|
| 11/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Klarna refused to remove card ending in XXXX AFTER XXXX XXXX denied my purchase.
|
| 02/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
KLARNA denied me an extension of credit on XX/XX/2021
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Credit Report Inquiry Made Without My Permission
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
No authorized activity in my credit
|
| 02/09/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 12/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 11/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/29/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 10/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 08/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
|
| 07/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 06/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Phone |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
|
| 01/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 01/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web Referral |
|
|
|
| 01/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 12/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
Older American |
|
|
| 11/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
Older American |
|
|
| 08/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
Servicemember |
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Phone |
|
|
|
| 07/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 05/21/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 05/20/2021 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 05/12/2021 |
No |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 05/10/2021 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/02/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/29/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
|
| 04/23/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
|
| 03/03/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American, Servicemember |
|
|
| 02/05/2021 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 01/17/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/31/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/21/2020 |
No |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
|
| 12/10/2020 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Phone |
|
|
|
| 10/26/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 10/06/2020 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 09/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 08/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
|