Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NJ

Complaint narrative:
I am filing this complaint regarding the handling of a disputed transaction involving a high-value XXXX product valued at approximately {$3000.00} that I never received. The product purchased was a 16-inch XXXX XXXX XXXX with an 18-core CPU, 20-core GPU, XXXX memory, XXXX XXXX storage, in Space Black. I placed the order on XX/XX/year>, and XXXX claims the package was delivered on XX/XX/year>. The purchase was financed through XXXX in connection with Klarna. After reporting that I never received the merchandise, I was instructed to dispute the matter through XXXX. I submitted supporting documentation, including tracking information, delivery photographs, and communications regarding the delivery requirements. XXXX denied my claim. I was then instructed to escalate the matter to XXXX dispute team for further review. After escalation, Klarna also denied my dispute and is now demanding payment for merchandise that I never received. According to XXXX delivery policy, which I confirmed directly with XXXX at XXXX, high-value XXXX products require an adult signature upon delivery. No signature was obtained in my case. Instead, XXXX marked the package as delivered and uploaded a photograph showing multiple unidentified boxes, most of which appeared to be XXXX packages. There is no proof in the photograph identifying any package as belonging to me, nor is there any proof that my item was actually delivered into my possession. XXXX also claimed that XXXX conducted an investigation and determined the package was properly delivered. However, XXXX informed me directly that they do not investigate claims involving products sold through third-party vendors such as XXXX. XXXX stated they only investigate inquiries involving products purchased directly from the XXXX XXXX or XXXX XXXX. This directly contradicts the statements made by XXXX and raises serious concerns regarding the accuracy and truthfulness of the information used to deny my dispute. Additionally, XXXX confirmed that an adult signature should have been required for delivery of an item of this value, and that required procedure was not followed. Because XXXX failed to obtain the required signature and because there is no verifiable proof showing that my package was actually delivered to me, I have no way to determine what happened to the item after XXXX marked it delivered. I believe the dispute was not properly or fairly investigated because : There is no verified proof of delivery. The required delivery procedures were not followed. Conflicting and potentially misleading statements were made regarding Apples alleged investigation. My dispute was denied despite the lack of evidence proving delivery to me. I am now being required to pay for merchandise that I never received. I want to make clear that I am willing to pay for my laptop. However, I refuse to pay more than {$3000.00} for merchandise that I never received through no fault of my own. I am requesting that this matter be reopened and properly investigated, that the charges associated with this transaction be reversed, and that any financial obligation connected to merchandise that was never delivered to me be removed.

Company response to consumer: Closed with explanation