Payday loan, title loan, personal loan, or advance loan -- Problem when making payments -- Complaint #18666612
Complaint Overview
Complaint ID: 18666612
Company: Klarna Ab
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: New Hampshire
ZIP Code: 035XX
Date Received: 2026-01-12T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because my prior dispute was not resolved on the merits and appears to have closed or disappeared due to system limitations. I purchased an XXXX bundle through Klarna in XX/XX/XXXX. The underlying seller was XXXX. The order was materially incomplete because paid accessories included in the purchase were never delivered. In XX/XX/XXXX, shortly after delivery of the incomplete order, the XXXX failed under normal use. I attempted to resolve the issue with the merchant, but the order was never completed and a lawful return was not facilitated. I disputed the charges. Klarna initially classified the issue as faulty goods and recorded refund adjustments and payment plan changes. Klarna later rejected the dispute due to an internal classification issue, stating it was submitted as full order missing rather than partial order missing, and then blocked further dispute review due to system limits. During a recorded phone call in XX/XX/XXXX, a Klarna representative stated that Klarna would only refund me if the merchant refunded Klarna first and further stated that because my bank reversed provisional credit, Klarna considers itself correct and held harmless. When I stated that conditioning a consumer refund on merchant reimbursement violates federal consumer protection law, the representative terminated the call without escalation or written determination. I am requesting escalation, correction of the account balance, and a written determination based on the merits of incomplete delivery and defective goods, not internal system limits, dispute categorization, merchant reimbursement, or a banks procedural denial. I have attached a reconstructed transcription of our call and can provide the actual recording upon request. It is XXXX. ( XXXX minutes ) however the key statements are near the end of the call the last XXXX minutes. I did give notice of the call being recorded at the beginning of the call - also heard on call.
Frequently Asked Questions
What is Complaint #18666612 about?
Complaint #18666612 was filed against Klarna Ab regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem when making payments. It was received by the CFPB on 2026-01-12T12:00:00-05:00.
How did Klarna Ab respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Payday loan, title loan, personal loan, or advance loan) 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.