Product: Payday loan, title loan, personal loan, or advance loan

Subject : Dispute Regarding Loan and Additional Fees for XXXX from Agency XXXX XXXX Dear Klarna Agency Team, I hope this message finds you well. I am writing to formally dispute the terms and conditions associated with the loan I obtained through your agency for services provided by XXXX XXXX XXXX. The dispute reason should be XXXX XXXX. 

During my initial conversation with a representative from XXXX XXXX XXXX ( XXXX XXXX XXXX ), I clearly communicated my financial situation, specifically my need for funding for my new business. I was assured that the academy could assist me in obtaining the advertised funding of atleast {$50000.00}, despite my existing credit obligations and financial situation. However, I was not informed that I would be required to pay additional fees upfront and also backend fees in order to access this funding. As you can see with the attached document. They also wanted me to purchase trade-lines to get my credit utilization down, which i refused. 
No where is this indicated in the contract that i will pay any additional fees which are deceptive business practices. No where is indicated in the contract that I will have to promote or purchase a social media agency to obtain funding. This also leads to additional money to pay also with the social media agency that are also not disclosed. It is deceitful to not disclose all and everything in their program and any additional fees that a consumer can occur. The company is not willing to refund because they are not trying to ruin their relationship with Klarna, which is also indicated in the evidence.

According to the Truth in Lending Act ( TILA ), consumers are entitled to clear and accurate disclosures regarding the terms and costs associated with any loans. It is illegal for a loan provider to impose undisclosed fees or conditions on a loan agreement, especially when these conditions are integral to the ability to access the promised funds. This means, this is also illegal for the merchant to practice these deceitful practices as well to the lender. 

While enrolling in XXXX XXXX XXXX, I learned that my current credit utilization rates were 42 % and 38 % that would prevent me from receiving the funding I was led to believe I could access. Furthermore, I was pressured into paying additional fees without being fully informed of the implications of such payments. This has placed me in a contradictory position, as I can not reduce my credit utilization. 

I have canceled my services with XXXX XXXX XXXX ( XXXX XXXX XXXX ), as I feel misled and deceived throughout this process. I request that Klarna Agency review this matter and consider reversing the loan transaction. I believe that the lack of transparency and the imposition of additional fees constitute a violation of my consumer rights. Klarna should ask the merchant of the additional fees that were implemented to the consumer per their investigation. I have provided the evidence of those additional fees with correspondence with the owner. 

On XX/XX/year>, XXXX responded saying that since i didnt agree to their new contract of waiving all my consumer rights with me obtaining $ XXXX ( minus klarna fees ) and paying future backend fees, that we couldn't do business. So where is my refund?? 

PER TILA, these funds are to be refunded and is illegal.