Klarna

Klarna is a perfect example of how a company can invest millions in marketing while completely neglecting what really matters: customer service, reliability, and transparency. The app itself is buggy, slow, and often fails to process simple actions. Payments sometimes don't show up correctly, leaving you to deal with late fees for their own technical errors. Logging in is hit or miss, and even basic functionality like viewing your statement or changing payment methods is unreliable. The customer support is nothing short of a nightmare. Long wait times, scripted and unhelpful replies, and a total unwillingness to take responsibility for mistakes on their end. You're constantly passed between agents with no resolution. To make matters worse, Klarna seems to arbitrarily block or restrict accounts without clear reasons, even for customers with good payment history — and then offers no meaningful explanation or way to appeal. Their so-called "buyer protection" is basically worthless when they don't even answer your inquiries in time. In short: this is a deeply flawed service that treats customers as disposable. There are plenty of better, more trustworthy alternatives out there. My advice? Don't let the slick branding fool you — Klarna is nothing but inefficiency wrapped in a pink bow.

One of the best financial institutions I have used so far I'm so glad to have discovered and be part of the program highly recommended from me but just incase if you have lost funds to them or any crypto or investment platforms you can easily seek help with Urfa{dot}io Thank you and God bless

Klarna intentionally hide payments due,, delays posting due paymnets and decietfully adds late fees! BEWARE! Worse Company I ever dealt with!

I have had and paid off many klarna loans. I have never once been late with a payment. According to their app I have $5800 in purchasing power. I've tried multiple times to make a simple online purchase and keep getting declined. I've contacted them (several times) and they have told me ' It's just a glitch, try again in a few hours. AND I GET DECLINED AGAIN! I'll be paying off the small balance I owe and going to affirm. Klarna doesn't appear to be financially stable when they play these games with their loyal customers.

Klarna Offers No Protection – Withheld Refund & No Support I heard about Klarna from friends who said it was great for splitting payments, so I tried it while buying furniture for my new home. My first few purchases, like from Shein, were fine. Then I used Klarna with Divan Bed Warehouse — a scam company. I assumed Klarna vetted its merchants, but clearly, they don't. There's no buyer protection, and transactions through Klarna aren't eligible for chargebacks like with banks. After realising I was scammed, I reported the seller to the police and Financial Ombudsman. Klarna offered no help, didn't provide company details, and left me to investigate everything myself. I eventually forced the scam company to refund me £566.13 the purchase amount on the 10th of June (£188.71 of it mine as I only paid the initial amount) — but Klarna is now withholding that money. Despite sending proof and explaining multiple times, they claim I received a refund on 26 May, when that chargeback was returned on 8 June. The real refund came on 10 June due to my own efforts, yet they won't release my money. I even asked Klarna to deduct any balance from that amount and close my account since I'll never use it again. No results yet! To many customers service agent with no understanding, they can't read even bank statements. This experience showed me:
Klarna doesn't vet merchants.
They don't support you if something goes wrong.
They may keep your refund and ignore your evidence. I strongly advise against using Klarna — it's not a safe or reliable way to shop online.

I asked them not to use a card I accidentally put on file which is my grandsons social security mother from his mother passing away. They said they couldn't accept my card anymore that I had been using for months and charged the social security card without my permission. Customer service was horrible all five times I called. They said their AI handled their bookkeeping and decides whether I can use a card. I always paid early so there is no excuse. I disputed charges with my bank but because I received my product my bank reversed my refund. If social security says it is fraudulent I am proving Klarna did the fraud.

Terrible payment plan company to use. Puts a hold on your account when accepting the plan and you click to review your order. So then when you go to submit the payment, it creates an error due to it already putting a hold and will not let your purchase go through. You then have to wait 7 days! For your money to be available! Do not use!

I have Had my Account for Years. No issues. Klarna Made a transaction to an unknown source without my authorization. They would not undo the transaction. After wasting hours of my time. They never resolved anything and have horrible customer service. Only conclusion i have is to close account and Reccomend to everyone not to use it

I purchased through Klarna. I was sent fraudulent merchandise and overcharged. Klarna wouldn't help despite numerous calls to customer service. The merchant that they're representing is based in China.

What a waste of time. 40 mins to find out the free 4 payment option isn't avail. They want to make $500 or 1000 off me for 6 payment option. Even if I have excellent credit which I do. This seems like a payday scam.

This company is just ridiculous. I NEVER once missed a payment. But I get refused any further credit. Good thing I can still use Zilch Clearpay and LayBuy. And with £1000 credit limit on each one.

Do not use Klarna If anything goes wrong with the item that you're trying to receive or send back they do not help you. They have forced me to pay £138 for an item I never received from a company that scammed hundreds of people out of their money, the company is called.Dewett.UK they have hundreds of bad reviews from people like myself on trustpilot but still Klarna refused to believe me, they tell me I gave Dewett the wrong address. They do not believe that my personal details are all auto generated by my computer so it's impossible for me to put down the wrong address. I will repeat, do not trust Klarna do not use this company to buy your good through there are much better ones available.

Klarna...when it's good, it's good...until it's not. In my particular situation BNPL is a great option for me. I like to break up payments instead of paying at one time. I had used Klarna for so long, I don't know exactly the amount of years, but it's been at least 5 years or so. I make it a point to pay on time, even when I have trouble with other bills, I make sure they are paid. One time, I had financial issues due to some health issues. I paid them off and was given the opportunity to use them again. Currently, as of a few days to a week ago, I had about $818 purchasing power. That's lower than the actual amount because I had two purchases. Well, the other day, I just happened to go on the app and look around because I was deciding whether to use them to get some items for my dog on Amazon and it said that my purchase power was unavailable. I tried to call someone because I have no outstanding debts with Klarna, but all you get is a bot. The bot said that I had no outstanding debts with Klarna. So later on, my daughter reached out to me and said she can't use Klarna. According to her, it is tied in with a Verizon cell phone bill. I had gotten her a phone with Verizon about three or four years ago. Recently, she decided to add a watch, but for whatever reason, she was not getting control of her bill, so I switched her to another carrier so that she could have a lower bill. The new carrier was supposed to pay off the other carrier. So I get a $400 bill in the mail. I'm confused about the bill because I'm thinking the new carrier took care of that. My daughter said she looked into it and owes about $200 for the last bill and about $200 for the watch. So, this is the reason that Klarna won't let me or her use them? A bill that has absolutely nothing to do with Klarna? I am very angry because I pay my Klarna payments and because I let my daughter get a phone in my name years ago, which she had been paying the whole time she had the phone, up until some months, I don't know much because she paid the bill, I can't use Klarna? I hate companies that despite you having a good paying history with them, they take it upon themselves to penalize you for some other company/bill. So just out of nowhere, my $800+ purchasing power is gone. I gave them a one star for this reason. Be aware, this company can give you a high purchasing power and take it away in no time, whenever they feel like it. I've overall had a good experience with this company, up until now, but other people I know have not been able to get higher purchasing power amounts...but I now, I don't know about Klarna. I used to think they were better than AfterPay and Zip, but I don't know about any of them anymore at this point.

This company did not support me when I was a victim of fraud. They supported the fraudulent website, even when I had the owner of the real website call three way to klarna and explain they are victims as well of this fraudulent company. I showed pictures verifying my true order and where they show the order came from. They tried to give me tracking information and a picture showing the house that it was delivered at. I showed them a true picture of my home from google maps and they still said I owed the bill. The company that they are charging me from doesn't even use klarna as a payment platform.They then proceeded to charge my card 3 times for the same order and return none of it.

I initially found them through Airbnb and decided to use their services. However, the process quickly turned into a nightmare.

Upon submitting all my information online and uploading my payment method, I encountered constant issues. Klarna repeatedly claimed my card was declined, despite never having experienced such issues with my bank. I never received any alerts or notifications about declined payments, which raised my suspicions.

To resolve the issue, I tried submitting my credit card details, but the same problem persisted. It seemed that Klarna was not attempting to process my payments at all. Eventually, I received a letter in the mail stating that I was overdue, with added interest and late fees.

Frustrated, I contacted Klarna's customer service, only to find myself speaking with representatives in India. When I requested proof of their attempted transactions, the response was disheartening. The representative simply told me to contact collections for further information.

To make matters worse, I recently received my first letter from Klarna, and to my surprise, it was sent to the wrong address.

In summary, my experience with Klarna has been nothing short of a nightmare. Their apparent lack of effort to process payments and the subsequent addition of fees is unacceptable. I strongly advise others to think twice before using this company. They are, in my experience, unreliable and seemingly engaged in fraudulent practices.

I bought a polo shirt at Macy's and returned it. Macy's gave me proof of return. I made sure Klarna knew the product was returned. I have contacted Klarna 15 times since December 31st 2023. It's now Feb 20,2024. I've provided the receipt from Macy's that clearly shows Klarna was credited. Klarna continues to threaten to charge me for the item IF I don't show proof of return. And I have done it 15 times! Such STUPID, USELESS, UNETHICAL customer representatives! Never again will I use Klarna!

Terrible customer service. Was sold a faulty product with additional false advertising, tried to return but the seller was a bit of a scammer so couldn't. Thought that's fine, I paid with Klarna and will get a refund through them, but Klarna contacted the scamming merchant who lied about it being past the refund date, no human looked at it, and I can't appeal. Stay away from Klarna, use PayPal, Credit card or anything else.

Scammers Avoid using this service for payments. The site and app conveniently removed my payment methods, my linked bank account mysteriously disappeared from my account dashboard. Although I had payment sources attached to all my loans/purchases, my dashboard repeatedly showed that I lacked a payment source, and wouldn't allow me to add one. My payments were being marked as failed over and over, no matter what I tried to do, although there were zero issues with my payment sources. There shuld have been no reason that tany of my auto payments failed. Klarna then began adding on late fees, even though there was no way to remedy the situation and my multiple attempts at communicating with customer service failed to fix anything. I was told the late fees wouldd be removed - nothing was removed. It's been a total mess, and I've filed a dispute. They even resonded through the dispute process that they removed my late fees - nope! I just paid off two of my loans with the late fees that I was told would be removed because their site an app are completely dysfunctional