Consumer complaint received 2026-02-02 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report unauthorized withdrawals made by Klarna from my bank account and the significant financial harm these actions have caused. 

Klarna processed XXXX transactions from my bank account in the amounts of {$150.00} and {$200.00}. These transactions were not made by me, were not authorized by me, and do not correspond to any purchases or activity visible within my Klarna account. I did not place these purchases, and there is no proof or record of these transactions existing on my Klarna account. 

I contacted Klarna to dispute these withdrawals, and their representatives stated that they could not see any such transactions on their end and advised me to contact my bank. I informed Klarna that I had already contacted my bank, and my bank directed me back to Klarna as the merchant initiating the withdrawals. I provided Klarna with screenshots of my bank statement clearly showing the debits originating from Klarna. I was then told that these transactions were holds and that they should be removed within approximately XXXX days. 

I do not have the ability to be without access to my funds for XXXX days. These unauthorized withdrawals immediately reduced my available balance and caused multiple overdraft ( NSF ) fees. Additionally, several of my other authorized billing payments failed due to insufficient funds, resulting in late fees and penalties with other billing companies. These financial consequences were directly caused by Klarna removing funds from my account without authorization. 

Although my bank has issued provisional credit to temporarily prevent further financial damage, the stress and disruption caused by this situation have been extreme. There is no explanation for how Klarna was able to withdraw funds from my bank account when there is no corresponding transaction, purchase, or record within my Klarna account. The fact that funds were removed despite Klarna stating there is no evidence of these transactions on their platform raises serious concerns regarding unauthorized electronic fund transfers and account security. 

I believe Klarnas actions may violate consumer protection laws governing unauthorized electronic fund transfers and unfair or deceptive billing practices. I am requesting assistance from the Consumer Financial Protection Bureau to investigate this matter and ensure it is resolved appropriately. 

I am requesting the following resolutions : A full and permanent refund of the unauthorized withdrawals in the amounts of {$150.00} and {$200.00}. 

Reimbursement for all overdraft ( NSF ) fees and any late fees incurred as a direct result of these unauthorized withdrawals. 

Assurance that no further unauthorized debits will be made from my bank account. 

A clear explanation of how funds were withdrawn from my bank account without any corresponding transaction record in my Klarna account. 

Thank you for your time and attention to this matter. I appreciate the Consumer Financial Protection Bureaus assistance in reviewing this complaint and helping to ensure appropriate corrective action is taken. 


I am posting screenshots of my conversation with Klarna and screenshots of my Klarna account to show that there are no transactions on there whatsoever for {$150.00} nor {$200.00}. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation