Credit card -- Problem with a purchase shown on your statement -- Complaint #18171351
Complaint Overview
Complaint ID: 18171351
Company: Klarna Ab
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 94619
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Between XX/XX/XXXX XXXX, I made a purchase through XXXX using a one-time Klarna virtual card. XXXX later acknowledged an internal system error, confirmed a full refund was issued, and stated they would not collect further payment. I have multiple written emails from XXXX confirming this. However, Klarna continues to charge me for the full amount despite XXXX stating a refund was processed. Klarna support repeatedly tells me no refund exists and pushes responsibility back to XXXX. XXXX points to Klarna processing delays and suggests Klarna should reflect the refund, but Klarna claims they have no record of it. I am stuck between XXXX companies blaming each other while money continues to be withdrawn from me. I have attempted to dispute the transaction through the Klarna app repeatedly, but every submission fails due to a persistent technical error, preventing me from properly disputing the charges or escalating through XXXX normal dispute channels. I have already submitted formal complaints to the BBB. Klarna responded stating no refund was processed even though XXXX issued written confirmation to me that it was. Neither company is communicating with XXXX another, leaving me responsible for payments I do not owe for a product that was not fulfilled properly. It has now been weeks of emotional stress, repeated documentation, and unresolved financial harm. Klarna continues to withdraw money for an order XXXX has confirmed refunded. I have exhausted every support route available to me. I need regulatory intervention.
Frequently Asked Questions
What is Complaint #18171351 about?
Complaint #18171351 was filed against Klarna Ab regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did Klarna Ab respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Klarna Ab?
Yes, visit the Klarna Ab company profile at readthecomplaint.com/company/klarna-ab to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.