Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: CA

Complaint narrative:
There are two different issues with two accounts with Klarna, a buy now pay later credit service. The two purchases I made were from XXXX. I returned items that I purchased at XXXX using Klarna and the funds that were paid out by Klarna were returned to Klarna by XXXX. I made the returns in store and I have physical copies of the receipts showing that the return was made and refunded to Klarna 's credit card and not to my personal account. I did not receive any funds for the return nor did I get a merchant credit from XXXX for my returned items. The funds were refunded to Klarna and the receipt shows it clearly on the bottom that the money was returned to a Klarna card. 

I contacted Klarna 5 different times and reported the issue with the two accounts, but each time they have dismissed me without looking at the receipts and without doing any research into the claim. They simply dismiss me and tell me they didn't get the funds despite physical receipts showing proof that they did in fact receive the funds. Then they tried to get me to give them access to my bank account so they could " further investigate '' by looking at my bank records. I refused to let them have access to my bank account as it sounded like an attempt to get personal private financial information that they are not privy to and an attempt to gain unfettered access to my account so they could potentially use it to commit fraud. At this time I am past the point of believing that they were just making mistakes or there were communication issues and believe they are attempting to collect a debt that is not owed. I have contacted them 5 times and tried to resolve this issue in good faith and they have responded by further attempts to gain access to more of my financial accounts and making false statements about not having the money refunded to them and claiming that I have the funds and I owe it to them. They are attempting to collect money from me when they already received the funds from XXXX for the returned items and they are attempting to " double dip '' by making fraudulent claims that I still have to repay them for the purchases. They even acknowledged that the return was accepted and processed by XXXX on XXXX XXXX for one of the purchases ( for the amount of {$100.00} ) and still they are continuing to try and take payment from me. I have put a stop payment on all those attempts to take money from my card on file so they are unable to automatically withdraw money that is not owed to them. 

The two accounts in question are the following : First Acct Dispute Details : Klarna Transaction Number XXXX XXXX  for the amount of {$100.00} The purchase was made at XXXX XXXX XXXX and the one item for the full purchase, was returned in store to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where a full refund of the {$100.00} was issued back to Klarna 's credit card. 

Second Acct Dispute Details : Klarna Transaction Number : XXXX for the amount of {$100.00} This purchase was made on XX/XX/2023 and I returned one of the items on this purchase in-store to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA on XX/XX/2023. The returned item was the XXXX XXXX XXXX and a refund of {$39.00} was issued back to the Klarna credit card which brings down the total remaining balance of the purchase with the one remaining item to {$64.00} and I have paid down that balance with two payments of {$26.00} each, for a total of {$52.00} deducted from the balance owed and the remaining amount should be {$12.00} but Klarna is attempting to collect the full amount of the purchase without the returned item balance deducted and stating I still owe them {$52.00} rather than the correct amount of {$12.00}.

Company response to consumer: Closed with explanation