Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NV

Complaint narrative:
.I am filing a complaint against Klarna regarding improper payment processing, inaccurate account information, and practices that are preventing me from making payments while my balance continues to grow. I originally made a purchase through XXXX using a service called XXXX. After this transaction, my account became associated with Klarna without clear disclosure or consent. Since then, I have been unable to use my valid debit and credit cards to make payments, despite having successfully used these same cards with Klarna in the past. Klarna repeatedly sends me notifications claiming my payments are declined due to insufficient funds. However, my bank, XXXX XXXX XXXX XXXX, has confirmed that Klarna is submitting transactions in the amount of {$0.00}. These are not legitimate payment attempts and do not reflect insufficient funds. My bank has further confirmed that they can provide written documentation of these attempts and has already provided me with authorization codes for each transaction attempt as proof that the transactions were received and processed on their end. Despite this, Klarna continues to deny my payment methods and has incorrectly classified my debit card as a prepaid card, which is inaccurate. Additionally, Klarna representatives have provided conflicting and misleading information. I was initially told that Klarna is not affiliated with XXXX, yet when contacting XXXX support, I was connected to a system displaying Klarna branding and directed back to Klarna. This lack of transparency has made it impossible to determine who is responsible for resolving the issue. I was also prompted to connect my bank account through a third-party service ( XXXX ), which was not disclosed at the time of my original purchase. I do not consent to being required to provide my bank routing and account number in order to make payments, especially when my valid card payment methods are being improperly rejected. As a result of Klarnas actions, I am currently unable to make payments using normal methods, and my balance ( over {$800.00} ) continues to accrue interest and potential fees. This appears to be an unfair practice where I am being prevented from paying my debt while being financially penalized. I also would like to add Klarna made it difficult for me to get my Klarna account number, nor could I find an account number in my account settings profile. I was told by a representative on the phone I don't have an account number, and she wanted why I needed my account number. I also reached out to chat support and was told I don't have an account number and to use my email address. I have supporting documentation from my bank, including authorization codes for each transaction attempt and confirmation that written documentation can be provided upon request. XXXX XXXX XXXX XX/XX/2026 4 attempt {$0.00} Authorization Codes : XXXX and XXXX XX/XX/2026 7 attempts {$0.00} XXXX, XXXX and XXXX XX/XX/2026 2 attempts {$0.00} XXXX and XXXX XX/XX/2026 1 attempt XXXX XX/XX/2026 2 attempts {$0.00} XXXX and XXXX XX/XX/2026 2 trans for {$0.00} XXXX and XXXX XX/XX/2026 2 attempts XXXX XXXX I have supporting documentation from my bank, including authorization codes for each transaction attempt and confirmation that written documentation can be provided upon request.

Company response to consumer: Closed with explanation