Consumer complaint received 2022-03-09
Company: Klarna AB
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX personal electronic transportation vehicle. I was alerted that Klarna was available with a 24 month payment plan. I paid a {$79.00} deposit and financed the remaining {$1900.00} balance through their terms. I attempted to log into Klarna numerous times to view the repayment agreement and start making my payments. The repayment never showed. I attempted to call Klarna several times and was told there was not a record of my purchase. They advised that it could be due to the product wasn't delivered yet so to wait until it delivered and check my account after. The product delivered in XX/XX/XXXX. I checked my account and still nothing was available related to this purchase/repayment. I called again and was told they would review and contact me back. I provided my initial order information, but was still advised there was nothing available in order for me to make my payments. I received no help whatso ever through the calls. Until XX/XX/XXXX, I had received no calls or letters from Klarna relating to my purchase. Then on XX/XX/XXXX I received notice that I was now two payments behind and that " if we do not receive a payment of {$200.00} by your upcoming due date, it can mean that you have broken the terms of this credit agreement. This could result in your outstanding balance being sent to collections, which could affect your ability to obtain credit in the future. '' I immediately emailed XXXX with my reference number of XXXX. Someone named XXXX responded. They advised that since I was not able to log in using XXXX, then I needed to create a new account. I did as instructed in the email. I provided the new email address associated with my account and a message that I was not able to add the order number so that I could make a payment. I received no response to this email. I followed up again on XX/XX/XXXX with no reply. It is now XX/XX/XXXX and they letter indicated I had to make the payment by XX/XX/XXXX in order to avoid the credit penalties they threatened in the letter. It almost the time of month that credit reporting for the following month is reported and I am scared they are going to report me negatively at 60+ days late, even though I have made a numerous attempts to get my payments made. Not once was I ever offered to make a phone payment, but mentioned that I am not opposed to that if necessary but would like to have access to my account beforehand to make sure everything was correct, as nothing on this account seems to be going right up to this point. I have only been told to log on to my Klarna account to make a payment. If I knew this would have been the outcome of using them as a credit source for purchase, I would have just paid the full {$1900.00} balance myself to the company I purchased from and saved myself the interest and headache from this whole months long joke of an experience.

Company response to consumer: Closed with explanation