Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX, XXXX Klarna AB XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Klarna XXXX Offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, United States Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Klarna Order # XXXX Dear XXXX XXXX and Klarna XXXX XXXX, I am writing to you as a long-time Klarna customer XXXX with deep concern regarding my ongoing dispute related to Order # XXXX involving XXXX XXXX XXXX XXXX XXXX XXXX 
Despite my repeated communications and provision of supporting evidenceincluding a physicians letter documenting my medical hardshipmy dispute remains unresolved. The merchant refuses to issue a refund for a coaching program that was misrepresented, undelivered, and non-refundable only after payment, all while ignoring critical health circumstances that prevent my participation. 
Key Facts of the Case : - Service Undelivered : No structured curriculum, tools, or individualized coaching was ever provided. 
- Event Not Occurred : The related live event is still more than a month away. 
- XXXX XXXX : A letter from my husbands nephrologist confirms a high-stress situation, whichmade participation impossible. 
- Refusal of Refund : The companys reply simply stated no refunds without addressing any of my concerns.

- Misleading Marketing : Language such as instant access, life-changing results, and exclusive coaching created a misleading impression.

- Lack of Consumer Transparency : No active BBB listing, no accessible Terms of Service at the point of sale, and no refund policy presented clearly before payment.

Why Im Escalating This : I have already submitted complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney Generals Office. I am also preparing reviews on public platforms such as XXXX, XXXX, XXXX Report, and a social media campaign that will include XXXX role in enabling merchants who fail to meet basic standards of fairness, service delivery, and consumer respect. 
My Request to Klarna XXXX : XXXX. Fully cancel or reverse the transaction for Order # XXXX. 
XXXX. Enforce greater accountability on merchants like XXXX XXXX XXXX. 
XXXX. Improve XXXX consumer dispute experience to reflect the values Klarna promotestrust, safety, and customer-first values. 

I respectfully request that this letter and its documentation be escalated to the appropriate team for review. I hope Klarna will choose to be on the side of fairness and integrity. 
Thank you for your attention and action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. # XXXX XXXX, FL XXXX To : XXXX Cc : XXXX Dear XXXX and Team, I am writing to formally request the full cancellation and refund of my enrollment in the XXXX XXXX  XXXX XXXX, purchased via Klarna on XX/XX/year>, for {$1500.00} under Invoice # XXXX, with monthly installment payments. 
This request is being made due to misrepresentation of services and failure to deliver the promised value at the point of sale. 
The program was marketed using emotionally charged and vague language such as : This program is the new wave of coaching and a real game changer for women! 
Exclusive Success Key when you pay in full Instant access to our online training program These descriptions led me to believe I was purchasing a structured, value-packed, results-driven coaching program. 
However, what I received was : A basic welcome message with no clear curriculum or ongoing support. 
A Telegram link with little to no actionable coaching. 
No individualized coaching, modules, tools, or structure as implied. 
The Success Key Bonus was never defined or delivered in tangible form. 
No refund policy was clearly disclosed or explained prior to payment. 
Additionally, before completing the purchase, I informed your sales agent, XXXX XXXX, that I was under extreme personal stress. My husband is in late-stage XXXX XXXX  with a failing XXXX  XXXX, and I was dealing with significant emotional and financial strain. Despite this, I was encouraged to proceed with the program without clarity, flexibility, or accommodation. 
While your terms mention a non-refundable policy, it was not explained in a meaningful or transparent way before purchase, and such a clause can not justify services that were materially misrepresented or the undue pressure under which this sale was made. 
I have already contacted Klarna, who advised me to reach out to you directly to resolve this matter. If I do not receive a response or resolution within XXXX business days, I will escalate my dispute through XXXX formal complaint and buyer protection process and provide all supporting documentation, including : My invoice Email correspondence Marketing screenshots and advertising claims Telegram group evidence showing lack of content and deliverables I respectfully request confirmation that my subscription will be canceled, future access revoked, and that a full refund will be processed promptly. 
Thank you for your attention and understanding. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Dear Klarna and XXXX  Disputes Team, I am submitting additional documentation in support of my ongoing dispute with XXXX XXXX XXXX/ XXXX XXXX, regarding : Klarna XXXX ID : XXXX ( XXXX XXXX XXXX XXXX ) XXXX  Order # : XXXX ( {$290.00} XXXX XXXX XXXX Event ) As supporting evidence, Ive attached a signed letter from my husbands physician. Due to his severe medical condition ( late-stage XXXX XXXX  with a failing transplant ), I am unable to travel or fully participate in services I was sold under high-pressure, emotionally manipulative tactics. 
Why This Letter Matters : The Success Manifestation Event has not yet occurred ( scheduled for XX/XX/year> ) but the vendor is refusing to provide a refund or accommodation, despite no services rendered and my verified inability to travel. 
The XXXX XXXX XXXX allowed me to cancel my hotel reservation without penalty. 
The vendor continues to retain funds ( {$290.00} + {$1500.00} ) without delivering promised services and has shown no willingness to be flexible or empathetic. 
Request : I am asking both Klarna and XXXX to : Pause or reverse remaining payments. 
Investigate this further under misrepresentation, high-pressure sales, and medical hardship. 
Assist in obtaining a full refund from the merchant. 
Please confirm receipt and let me know if any further documentation is required. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Doctors Medical Letter ( PDF ) Klarna XXXX XXXX XXXX Dispute Letter Event Description & Confirmation Hotel Cancellation Policy

Company response to consumer: Closed with explanation