Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Klarna AB
State: MD

Complaint narrative:
So, Klarna is somewhat a credit service provider. I assume it's safe to use that title. You can shop online and based on your purchasing power, you'll be allowed to basically put a down payment on an item and pay the rest in installments. My reason for this complaint is not pertaining to the actual purchase of anything, but how this platform is operating once you sign up and do take advantage of the opportunity to purchase items in installments. Today, which is XX/XX/2022, i received a notification from my the Klarna app that my order was delivered. When I clicked on the notification, it lead me to sign in. I could not sign in using my number nor email and kept receiving an error message which stated, " Something went wrong, please try again ''. This lasted from around XXXX p.m. up until now, which is XXXX p.m. I uninstalled and reinstalled the app, and still no resolution. I then went on my computer and was able to log in. When i logged in on my computer, I requested to chat with customer service. I explained to customer service the issue and they were basically clueless and told me to try to log back in on my phone in a hour. I did so and still no resolution. I went to log back in on my computer, and the same error i received from the app on my phone, I now received on my computer. i started doing some research trying to find out was anyone else having or issues or did anyone else ever had the same issue. Not surprisingly, I read complaints about the same exact thing I'm going through now. Now, I'm on an hour wait time call with them. The problem that I have and my complaint and initial concern is that my personal info, such as my credit card info, is attached to this platform and I'm unable to log in. In addition, the company has yet to issue any alert or notification that their system is down or anything. But, what I wanted to bring more attention to is that if no one is unable to log in, then how can one make a payment or manage their personal info, such as credit/debit cards that's linked to the platform. From the reviews and the negligence of the company, I suspect this to be a scheme to collect people 's information and charge people 's account without the customers being able to manage their payments. Also, if no one can log in to manage their payments, some may miss payments due to no fault of their own giving Klarna a reason to start applying extra fees for their negligence and unprofessional ethics. This company needs and should have been looked into thoroughly because no company the amount of traffic they have, and also a company on the stock market should not be this inefficient and unprofessional with the maintenance of their platform. I need to log in my account to manage my payments and then delete my account, but their way of handling and not handling things are fraud like. I'm tired of these corporations getting away with using us consumers and abusing our right to contract along with our privacy and nothing gets done. This is unacceptable and not lawful to say the least. I need a resolution as soon as possible because my personal info is locked into an irresponsive platform who is known to swindle people out of their money and I refuse to become the next victim. Please handle this situation accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation