Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: OK

Complaint narrative:
b"Subject: Formal Fraud DisputeXXXX Transaction(Order Reference XXXXDate XXXX XXXX XXXXTo Whom it My Concern,\n\nI am writing to formally dispute a transaction financed through XXXX for purchase with the merchant XXXXOrder ReferenceXXXXOrder Date: XXXX XXXX XXXXAmount FinancedXXXX have never received the product associated with this purchase. The merchant has not provided any shipping confirmation and repeated attempts to contract the company by email have gone unanswered.\n\nAfter Reseach this company further, I discovered numerous complaints from other consumers reporting the same experiences-being charged by XXXX but never receiving no repsponce form the company or keeping their money. This pattern of complaints raises serious concerns that this ay involved deceptive and fraudulent business practicesXXXXBecause the product was never received and the merchant has failed to respond or provide proof of shipment, I am requesting that Klarna open a formal investigation again.I am requesting that all payemets relating to this financing agreement by paused and void.\n\nAdditionally, I am filing reports with the Federal Trade Commission and the FBI Internet crime Complaint Center to document Klarna and XXXXPursuant to my rights under the Fair Credit Billing Act, I am formally disputing this chard and provided evidence where XXXX acknowledge I never received anything from them and asked me if I wanted to proceed. I said No, cancel. Under this law, consumers have the right to dispute charges and request an investigation There is even a XXXX scam tracker report mentioning XXXX connected to healthcare related scams.\n\nBecause the amount is over $XXXX, I also filed a report with the FBI Internet Crime Complaint Center. Large online fraud cases get tracked there. I have provided proof they closed account asked me if I wanted to proceed. Klarna keep telling me I need to go get the money. \n\nI also told Klarna it is sites all over XXXX with XXXX scamming and not returning money to people. Klarna should be held responsible to because they are loaning money to people knowing they are defrauding people. I have tried to get this taken care of for XXXXs. Klarna keeps harassing me! They told me they emailed me the product. I have that in a email too. Klarna is in on this scamming because they see the proof and keep telling me to go get the money. I asked for banking information. The consultants told me they didn't know who they got the loan from. XXXX! Then I was told they were offshore. I will never do business with them. I just want to be done with both of these frauds and crooks.Think I am going to pay over $XXXX for nothing. Then they lied on my credit score. I have never had no XXXX. I am calling the credit bureaus to see if they told them that. Never had a score that low in my life. They are shady and their bank is too.XXXXKlarna Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation