Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: VA

Complaint narrative:
I am submitting this complaint regarding a fraudulent Klarna account that was opened and used without my knowledge or authorization using my personal information, including my Social Security Number. I reside in Virginia and did not open this Klarna account, authorize any purchases, or receive any benefit from any transactions associated with the account. On XX/XX/XXXX, I discovered the Klarna account after noticing it on my credit report. Prior to that date, I had no knowledge of Klarna or any account associated with the company. I immediately contacted Klarna and informed them that I did not create the account and that the activity was fraudulent. Klarna opened an investigation into approximately XXXX fraudulent transactions associated with the account. Between XX/XX/XXXX and XX/XX/XXXX, I began receiving emails from Klarna stating that they had completed their investigation and determined that only XXXX of the XXXX transactions were fraudulent, while the remaining XXXX transactions were considered valid and that I was responsible for them. After receiving these responses, I contacted Klarna again and clearly explained that I did not open the account, did not authorize any purchases, and had no involvement with the transactions. During these communications, I asked Klarna how they conducted their investigations, and I was informed that they contact merchants to obtain receipts and transaction information. I specifically requested that Klarna contact me during the investigation process because I believed I could provide information and evidence showing that I was not physically present at the locations associated with the transactions and had no involvement in the purchases. Klarna never contacted me for any additional information or evidence during the investigation. On XX/XX/XXXX, Klarna informed me that their investigation into the remaining XXXX transactions had concluded and that they found no fraudulent activity, again determining that I was liable for the balances. After contacting Klarna again, I was informed that many of the transactions had already been transferred to collections through XXXX XXXX XXXX XXXX, and that Klarna considered me responsible for the debts despite my repeated fraud disputes. Klarna later provided me with documentation showing a fraudulent address associated with the account : XXXX XXXX Ct XXXX, AL XXXX This address is not my residence. It is an old address associated with a family member. I contacted the family member directly regarding the matter, and they informed me they had no involvement with the Klarna account or transactions either. Klarna also provided partial transaction information connected to the fraudulent account, including the following unauthorized transactions : * Order Number XXXX Purchase Date XX/XX/XXXX {$950.00} * Order Number XXXX Purchase Date XX/XX/XXXX {$530.00} * Order Number XXXX Purchase Date XX/XX/XXXX {$340.00} * Order Number XXXX Purchase Date XX/XX/XXXX {$540.00} Klarna informed me that many additional transactions had already been outsourced to collections and that they could no longer provide complete details because the debts had been transferred to a collection agency. The fraudulent account negatively impacted my credit profile and caused late payments to appear on my credit report before later being removed during the dispute process. I have completed an FTC Identity Theft Report and filed a police report regarding this identity theft matter. I have also formally disputed the debt with both Klarna and XXXX XXXX XXXX XXXX. I am requesting that : * all fraudulent balances be removed * all collection activity cease immediately * any negative credit reporting associated with this fraudulent account be permanently deleted * all records associated with the fraudulent account be fully investigated * I be released from any liability associated with these unauthorized transactions I believe I am being improperly held responsible for debts resulting from identity theft despite repeatedly notifying Klarna of the fraud, disputing the transactions, and providing documentation supporting my claim.

Company response to consumer: Closed with explanation