Payday loan, title loan, or personal loan -- Loan payment wasn't credited to your account -- Complaint #6646483
Complaint Overview
Complaint ID: 6646483
Company: Klarna Ab
Product: Payday loan, title loan, or personal loan
Sub-Product: Payday loan
Issue: Loan payment wasn't credited to your account
State: Texas
ZIP Code: 77009
Date Received: 2023-03-03T12:00:00-05:00
Date Sent to Company: 2023-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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*
Frequently Asked Questions
What is Complaint #6646483 about?
Complaint #6646483 was filed against Klarna Ab regarding Payday loan, title loan, or personal loan specifically about Loan payment wasn't credited to your account. It was received by the CFPB on 2023-03-03T12:00:00-05:00.
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 (Payday loan, title loan, or personal 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.