Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB
State: MI

Complaint narrative:
Klarna is a prepaid company such as After Pay, Cash App, etc. We have been loyal & upstanding customers with Klarna for over a year now to include keeping them in the loop of our identity being compromised every step of the way & advising we may have to file bankruptcy due to the impact the identity theft was having on us. We even asked if this would affect them or if they followed the same guidelines as other pre-paid services such as After Pay & Cash App, which they advised as long as we kept up our payments with them. The first conversation took place on XX/XX/XXXX, and a follow up conversation took place on XX/XX/XXXX with XXXX. Klarna falsified their information to us & even lied to us in the use of services, terms, & conditions, & then attempted to continue collecting debts they arbitrarily injected themselves into. On XX/XX/XXXX, we contacted Klarna & spoke with XXXX in the presence of witness for the purpose of protection in this matter & reminding them of our intention to file bankruptcy advising once again of decision was due to severe identity theft. We asked if we needed to confirm our account with them before moving forward & were asked what was the nature of our call? We explained we wanted to ensure we should include Klarna in our bankruptcy or if Klarna would still honor their agreement of allowing us to keep our account as long as maintained payments on time & remained in good standing was still an option. XXXX advised we would be fine. She went on to say the same thing we have been told by everyone. Pre-paid companies are not like the average creditors. Thus, we believed like all other creditors leading to us in a pre-paid situation, they would continue to honor their initial agreement. On XX/XX/XXXX, we filed bankruptcy as stated. On XX/XX/XXXX, Klarna breached contract & notified us in writing, which Klarna arbitrarily injected themselves into our bankruptcy after a mutually agreed commitment. No different than the other pre-paid companies ( i.e. XXXX XXXX, After Pay, etc. ) who held to their agreement ( XXXX ). XXXX actions prevented them further collections & placed them in the position where they were required to refund any monies obtained by Klarna dated back to XX/XX/XXXX. In a mutually recorded conversation on XX/XX/XXXX with XXXX, who agreed on a mutually recorded call his company XXXX should not have taken the money from me pre their credit check if they were going to do XXXX & promised a full resolution & a full refund of {$960.00}. XXXX further advised the account is thoroughly documented with our reporting on the identity theft. XXXX words, not ours, but we agreed. The representative further advised they would refund our monies within a XXXX, which was not an option for us. We advised Klarna were filing a fraud complaint federal the federal government. XXXX advised it would be the quickest way to get our money back. On XX/XX/XXXX, we spoke with XXXX with Klarna who advised us that they failed to apply the bankruptcy evidence across all payments & for me to go their online chat & resubmit my bankruptcy paperwork for them to stop collections completely, which I did, but even that did not work. On XX/XX/XXXX, we noticed Klarna attempting to debit our account. We had extensive online chat with Klarna where we were informed, we were filing a fraud complaint with our bank & it was advised it would resolve the issue much faster. So, I called XXXX Bank & spoke with XXXX in the fraud department. I played the recordings & read the correspondence between us & Klarna. XXXX provided claim # XXXX & requested we send proof of the bankruptcy & screenshots of the communication between us & Klarna to XXXX to get our money back & a final resolution in this issue. However, XXXX did not see a need to close the debit card ending in XXXX that Klarna was continuing to debt. In fact, she advised Klarna was now blocked from debiting our acct. & they would not be allowed to obtain any funds going forward. This was not true. On XX/XX/XXXX XXXX Bank sent a letter advising they were refunding {$960.00} temporarily, which lacked {$1.00} of what was owed to us. On XX/XX/XXXX, we spoke with XXXX who once again advised us to go to the online chat & provide evidence of the bankruptcy again for a final fix, which once again did not occur. On XX/XX/XXXX Klarna debited our acct. again in the amount of {$190.00}. We called XXXX Bank immediately & spoke with XXXX who stated they failed to note the acct. of the bankruptcy. XXXX also advised we had to wait until the charge actually cleared the acct. to file a dispute. He advised the card ending in XXXX should have been closed with the initial complaint & closed it. On XX/XX/XXXX, XXXX Bank sends a letter indicating Klarna provided a statement advising they didnt owe us credit, which is not about owing us a credit, it is about not being able to collect in a fresh start post-bankruptcy. On XX/XX/XXXX, we spoke with XXXX, XXXX Bank XXXX filed another dispute for Klarna fraudulently collecting monies under a fully XXXX bankruptcy in the amount of {$190.00}, XXXX provided claim # XXXX & promised a final resolution & refund. We asked if we needed to provide the documentation proving our bankruptcy & XXXX said no, they already had it. On XX/XX/XXXX XXXX Bank sends an eNotice advising they were refunding {$190.00} temporarily. On XX/XX/XXXX XXXX Bank fraudulently took {$540.00}. On XX/XX/XXXX we called XXXX Bank & spoke with XXXX who advised XXXX to decide to give Klarna {$540.00} back based on their claim of not owing us refund when in fact, it is not about owing us a refund, it is about collecting on debit Klarna elected to place into bankruptcy. We advised XXXX we were filing fraud charges against XXXX Bank XXXX Klarna with the federal government. XXXX transferred us to XXXX explained the same thing, offering us the letter from Klarna. We asked XXXX on a mutually recorded call if she XXXX XXXX Bank knew & understood the laws & regulations of bankruptcy. XXXX said no, they were not required too. So, we read them to her & advised we were filing a fraud complaint with every federal agency we could, because there is no way a bank does not know bankruptcy laws & regulations. XXXX asked that we resubmit our proof of bankruptcy & evidence to XXXX using both claim numbers in the subject line. We advised XXXX that we would honor her request along with a copy of every XXXX of our complaints & we did. We further advised that we filed bankruptcy because of sever identity theft, which someone racked over {$460000.00} in debt under our name & we couldnt even borrow {$5.00}. On XX/XX/XXXX, XXXX sends communication stating they intend to continue to collect the debit, & I responded to include providing proof of calls & included XXXX Bank on the communication. There is an abundance of evidence that I could not attached to include screenshots of all online chats & the actual recordings.

Company response to consumer: Closed with explanation