Consumer complaint received 2026-01-18 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: CA

Complaint narrative:
I am submitting this formal complaint against Klarna for improper billing, duplicate charges, and an incorrect repayment balance related to a XXXX XXXX purchase that I have already paid. 

Summary of the Issue Klarna charged my account multiple times for the same XXXX XXXX transaction and then incorrectly placed the account into a repayment plan despite substantial payments already being made. Klarnas internal totals do not accurately reflect my payment history and result in overbilling.

Documented Payments and Charges ( Evidence Attached ) : 1. Klarna charged five ( 5 ) separate transactions of {$150.00} to my account for Klarna XXXX XXXX XXXX ( XXXX, OH ), totaling {$770.00}, despite this being a single purchase. 
XXXX. Klarna then moved the account into a repayment plan showing a balance of {$920.00}, even though significant payments had already been collected. 
XXXX. Additional repayment plan payments were withdrawn : XXXX payment : {$51.00} ( Paid XX/XX/XXXX ) XXXX payment : {$51.00} ( Paid XX/XX/XXXX ) XXXX payment : {$51.00} ( Paid XX/XX/XXXX ) XXXX. Klarnas own system reflects a confusing and contradictory entry stating Paid in XX/XX/year> : {$980.00}, which does not align with the repayment balance or the actual payment history. 

Despite these payments, Klarna continues to reflect an outstanding balance and has failed to reconcile the account correctly. 

Actions Taken I contacted Klarna directly to resolve this matter. However, the billing errors remain unresolved, and I continue to be charged improperly. 

Requested Resolution I am requesting that Klarna be required to : 1. Conduct a full audit and correction of my account.

2. Remove the improper repayment balance and any duplicate charges.

3. Refund all amounts charged beyond the original agreed purchase price. 
XXXX. Provide written confirmation that my account reflects a XXXX balance. 
XXXX. Confirm that no negative credit reporting has occurred or will occur due to this billing error. 

Supporting documentation, including transaction history and repayment screenshots, is attached. 

Thank you for your assistance in resolving this matter.am filing a formal complaint regarding Klarnas failure to correct a known billing and system error. 

I paid my Klarna balance related to a Vivid Seats purchase in full and submitted proof of payment. Despite this, Klarna incorrectly placed the account into a repayment plan and continued to reflect a balance due. 

After more than 100 days of repeated contacts via chat, email, and phone, a Klarna specialist confirmed in writing that I have no active purchases and should not see any further charges. However, my account still displays a balance due.

This is now a confirmed system/accounting error that Klarna has failed to correct. I am requesting : Immediate correction of the account balance to {$0.00} Written confirmation that no late fees or penalties are valid Assurance that no adverse reporting has occurred or will occur Klarna has acknowledged the issue but has not resolved it. 

Attach : Proof of payment Screenshots showing : Klarna confirming no active purchases Account still showing a balance

Company response to consumer: Closed with explanation