--- company: klarna title: Klarna — how complaints actually go last_verified: 2026-10-13 --- ## In short Contact the store first, then use Report a problem on the purchase in the Klarna app; Klarna pauses the payment while it looks into it, and claims must be raised within 120 days. A return does not reduce what you owe until the store's credit reaches Klarna, so report the return with tracking to pause the payment. Pay in 4 payments are taken automatically and a late fee of up to $7 can apply after 10 days. In the 12 months to June 2026, 6.9% of CFPB complaints about Klarna closed with relief, and 9.3% got a late response. Klarna says that if a message is not in your Klarna Inbox, it did not come from Klarna. ## How complaints actually go - Klarna Customer Service is at (888) 518-2771, open 24/7, and in-app chat starts with an AI assistant with human support when needed. [Klarna: customer service](https://www.klarna.com/us/customer-service/) - Klarna aims to resolve a complaint on first contact; if it cannot, it acknowledges the complaint and aims to resolve it within 20 business days when feasible. Representatives can escalate to the appropriate team. [Klarna: complaints](https://www.klarna.com/us/complaints/) - The Pay in 4 agreement says complaints can go through the contact form on Klarna's website or by post marked "Complaint" to Klarna Inc., 800 N. High St., Suite 04121, Columbus, OH 43215. [Klarna Pay in 4 agreement](https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/sliceitinx) - A CFPB complaint goes to Klarna for a response, generally within 15 days, or a final response within 60 days in some cases; you then have 60 days to give feedback. [CFPB: what happens after you submit a complaint](https://www.consumerfinance.gov/complaint/process/) ## What tends to work - Report a problem in the app or web portal: Klarna pauses your payment until the issue is solved. Keep proof that you contacted the store first. [Klarna: buyer protection](https://www.klarna.com/us/buyer-protection/) - For a return, report it with valid tracking; that pauses the payment for 21 days. [Klarna: buyer protection](https://www.klarna.com/us/buyer-protection/) - A CFPB complaint after Klarna's channels fail: in the 12 months to June 2026, 112 of 1,628 complaints (6.9%) closed with monetary relief. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Klarna%20AB&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) ## Traps and fine print - A return does not change what you owe under Pay in 4 until Klarna receives a credit from the merchant, and merchant credits do not count as payments. [Klarna Pay in 4 agreement](https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/sliceitinx) - Pay in 4 installments are charged automatically every 2 weeks. A failed payment can be retried up to two more times and charged to your backup payment method after one day's notice; change the payment method at least three business days before the next payment. [Klarna Pay in 4 agreement](https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/sliceitinx) - A late fee of up to $7 may be charged if a payment stays unpaid 10 days after its due date, capped at 25% of the purchase amount, and late or missed payments may appear on your credit report. [Klarna Pay in 4 agreement](https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/sliceitinx) - Buyer protection claims must be raised within 120 days, and Klarna decides at its reasonable discretion whether to refund or remove the payment obligation. [Klarna: buyer protection](https://www.klarna.com/us/buyer-protection/) - On May 12, 2025 the CFPB withdrew its 2024 interpretive rule that treated BNPL lenders with digital accounts as credit card issuers under Regulation Z. Do not cite it as a source of dispute or refund rights. [CFPB: Buy Now, Pay Later products](https://www.consumerfinance.gov/compliance/compliance-resources/consumer-cards-resources/buy-now-pay-later-bnpl-products/) ## By the numbers - CFPB complaints received July 1, 2025 to June 30, 2026 for "Klarna AB": 1,628. Top products: payday, title, personal or advance loan 491, credit reporting 334, debt collection 323, credit card 309, money transfer or money service 108. Top issues: a purchase shown on your statement 245, incorrect information on a report 237, problem when making payments 220, attempts to collect a debt not owed 162. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Klarna%20AB&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - Of those 1,628 complaints, 1,515 (93.1%) closed with explanation, 112 (6.9%) with monetary relief and 1 with non-monetary relief. 1,476 (90.7%) were marked timely and 152 (9.3%) were not. Data retrieved 2026-10-13. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Klarna%20AB&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0) - The CFPB says its complaint database is not a statistical sample of consumers' experiences, and that complaint volume should be read against company size. [CFPB consumer complaint database](https://www.consumerfinance.gov/data-research/consumer-complaints/) ## Scams that target customers - Klarna says that if a message is not in your Klarna Inbox, it did not come from Klarna. Report suspicious emails or websites with its phishing form. [Klarna: security](https://www.klarna.com/us/security/) - Forward suspicious emails to phishing@klarna.com; the inbox is monitored but Klarna will not reply. Klarna describes phishing by SMS, email and WhatsApp, fake URLs, and calls that impersonate a bank. [Klarna: report phishing and scams](https://www.klarna.com/us/phishing-and-scams/) - If you clicked a link or shared information, contact your bank or card issuer, lock your Klarna account, change your password, turn on two-factor authentication and block your cards in the Klarna app. [Klarna: report a phishing or scam attempt](https://www.klarna.com/us/help/fraud-and-security/how-do-i-report-a-phishing-or-scam-attempt/)