Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: NJ

Complaint narrative:
I am filing this complaint regarding a {$5000.00} transaction processed through a one-time Klarna card XXXX XX/XX/XXXX order reference XXXX. 

On XX/XX/XXXX I reported the problem, explained that the merchant was not legitimate, that no goods or services were ordered, agreed to, delivered, or performed in exchange for the {$5000.00}. 

On XX/XX/XXXX Klarna responded to me by email that " their investigation shows the purchase was approved with a scan of your ID '' On this date I then requested that they escalated the matter and explained that I wasn't contesting the purchase I explained to a representative through their online chat that the merchant was not legitimate, that no goods or services were ordered, agreed to, delivered, or performed in exchange for the {$5000.00}. They paused the payments and stated I would receive an email with the outcome of the results. 

I understand that regardless of device or account usage, a merchant can not retain funds without providing goods or services. This constitutes an erroneous transaction and unjust enrichment. 

This transaction resulted from a phone-based airline reservation scam. I contacted what I believed to be a legitimate airline customer support and was directed to complete payment through a link. I generated a one-time Klarna card and entered the payment information as instructed. 

The merchant listed on the Klarna account is XXXX XXXX XXXX. This does not appear to be a legitimate airline or registered travel provider. No airline ticket was issued, no confirmation number was provided, and no goods or services were delivered. 

On XX/XX/XXXX I received an email from Klarna that they have concluded my claim is invalid. They further stated after a thorough investigation they have not found any evidence of fraudulent activity surrounding the contested purchase. 

I reported this matter to Klarna as a scam-induced fraudulent transaction. Klarna denied the claim solely on the basis that I generated the one-time card and authorized the transaction, without addressing : The legitimacy of the merchant Whether any goods or services were provided Whether the merchant was properly vetted Klarna has XXXX withdrawn XXXX installment payments in the amount of {$440.00} each for a total amount of {$890.00}. from my checking account and continues to treat the transaction as valid. 

There is : No contract No invoice No ticket issuance No proof of delivery or services I have formally revoked ACH authorization for further withdrawals and requested escalation to Klarnas fraud department.

I am requesting : 1. Immediate suspension of collection activity 2. Reversal of the remaining balance 3. Refund of the two installments already withdrawn 4. Written confirmation that this account will not be reported to any credit bureau Klarna should not be collecting on a loan tied to a fraudulent merchant where no goods or services were delivered.

If Klarna can not show that the merchant can demonstrate their legitimacy or fulfillment, I request a reversal under the fraud and consumer protection standards This is not a dispute about unauthorized account access. this is a scam induced transaction involving a fraudulent merchant.

Company response to consumer: Closed with explanation