Do you think Klarna Inc is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.
THE BEST PART IS…
If Klarna Inc violated the law, you may be entitled to money damages and Klarna Inc will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.
What is Klarna Inc?
Originally born in 2005 in Sweden, Klarna Inc has grown to be Europe’s most valued private financial tech company and second in the world. Today, the fintech company is in 17 countries with about 3,700 employees and around 90 million active customers. Klarna Inc is valued at $31 billion.
Klarna Inc offers services and products within payments, personal finances, and social shopping. The company boasts 2 million daily transactions.
Klarna Inc Address, Phone Number, and Contact Information
Office Location
629 N. High St., Suite 300
Columbus, OH 43215
https://www.klarna.com/
+1 844-552-7621
Monday – Friday: 8 am – 6 pm
Saturday & Sunday: Closed
Refund Issues
The top complaint consumers have against Klarna Inc is regarding the company’s refunding. Numerous clients reported never receiving their refunds for returned and defective items. Others also reported being refused the refund despite returning the items and following proper refund guidelines.
Shady Merchants
According to Klarna, Inc, consumers are refunded after merchants have verified cancellations or returns and have received partial or full refunds. A number of consumers reported not receiving their refunds despite months of settling their accounts and being met with Klarna’s policy. This has resulted in consumers’ money being tied up for months on end.
System Error
Another issue clients have against Klarna, Inc is with their system. The complaints reported consumers being unable to access their accounts, getting prompts about changed email accounts and numbers despite not updating their information. This has locked consumers out of their accounts and compromised their security.
Lousy Customer Relations
On top of all these complaints, Klarna Inc has failed to address its customers’ complaints timely and satisfactorily. The complaints detailed clients having to deal with their issues with Klarna Inc for months. Said issues were mostly solved upon getting help from the Better Business Bureau (BBB), and even then not all had satisfactory and just outcomes.
Unfortunately, refund issues, shady merchants, and poor customer service complaints are just the beginning for Klarna Inc. The financial service company’s customers are left wondering what options they have regarding their consumer rights.
We Fix Complaints When Customer Service Won’t
Has Klarna Inc used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Klarna Inc to listen?
A lot of Klarna Inc Corporation customers aren’t happy with their service and the Better Business Bureau lists 933 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.
If your complaints haven’t been heard, we can help. At Mike Agruss Law we help customers who have been mistreated by big companies–much like Klarna Inc–and we turn your complaints into resolutions!
We’ll not only file your legal demands with Klarna Inc, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Klarna Inc contract, which is typically arbitration.
Mike Agruss Law gets results–including zero balances, refunds, and other compensation.
Here’s How to Make Big Companies Listen
It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches.
Have you tried calling Klarna Inc to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised.
When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?
Fortunately, you do have options.
Use Arbitration to Settle Your Complaint
Most companies like Klarna Inc have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Klarna Inc will have to do a lot of work and there is no guarantee that they will have a successful outcome.
Arbitration is Fast, Inexpensive, and Private
Arbitration with Klarna Inc is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:
- The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
- You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
- Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
- Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision.
- Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.
Arbitration Gives you Control and Leverage
When Klarna Inc is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands.
If Klarna Inc doesn’t meet those demands and you have a real complaint, Mike Agruss Law can help by representing you in arbitration where you will get a fair, just, and transparent hearing.
Control and Leverage Triggers Faster Settlements
Large companies like Klarna Inc don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration.
The first step in taking on Klarna Inc is to formally raise your complaint. The lawyers at Mike Agruss Law can help you to do so. We will send a letter of demands to the corporate offices of Klarna Inc, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Klarna Inc.
Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Klarna Inc doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Mike Agruss Law will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process.
UDAAP and Arbitration
UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.
Every state has UDAAP laws, which can vary widely. However, the lawyers at Mike Agruss Law understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.
If you’re dealing with an issue with Klarna Inc, you might try filing a complaint with the BBB or the customer service team with Klarna Inc. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case.
Arbitration is a very useful tool for resolving disputes, and Mike Agruss Law can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.
How Do I File a Complaint Against Klarna Inc?
We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages. Plus, the other side will pay our fees and costs. You will not pay us a penny. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
People, First
We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put People, First.
Share Your Complaints Below Against Klarna Inc
We encourage you to post your complaints about Klarna Inc. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!
Submitted Comments
I bought a product from China (Seicane Inc.) it was delivered defective, Seicane refuses to provide me with a return label despite them telling Klarna that they would. In turn Klarna has closed my dispute in their favor and are refusing to reopen it. They are now saying I\'m responsible for paying the $722 for a product that doesn\'t work.
We applied for Klarna and they denied us for no reason and they have their service for other AED companies. We were trying to get their payment on our website. I feel this could be favoritism toward another AED company. Affirm accepted us in one day.
Hello,
I came across this website when looking for answers as to how to receive my refund from Klarna. I have been in touch with 5 different representatives and their claims department and no one is listening to my concern. I had returned items to the store for $169.38 (I know it\'s small but it\'s the principal) yet, they will not apply my refund. I need help getting this resolved. This can\'t be right to do to people. Thank you.
I was charged for orders I did not place and did not receive. Not refunded for items returned. I have contacted Klarna numerous times to no avail. I have an email from Amazon stating that I did not order those items and they determined that my account had been compromised. I sent that to Klarna and still nothing. I’ve sent messages, emails, online chats, calls and still not settled.
My issues with Klarna usage over the past year has been either (1) items in the same order are shipped separately and therefore create two or more accounts with klarna, vs the single purchase account. This opens the door to allow additional fees etc; (2) returns have taken 30+ after the retailer acknowledges such return to process by klarna, and any overdraft fees from my bank for continued payments to klarna are in the hundreds of dollars, (3) failed or cancelled purchases that were never even processed by the retailer have taken 30+ days to remove from Klarna, while payments are still required. I have many klarna accounts sent to collections that may only be for a few orders, and the collection agency wants twice the purchase total. (In many instances the Sephora retailer didn’t approve returns after meeting all return criteria, and therefore stuck with payments but no item. There is not payment halt or leniency by Klarna when trying to work with a retailer.)
On 7/26 I created a card with Klarna for $178 and made a purchase at Amazon for $179.17 for my small business. Amazon denied the charge. However Klarna already took the first payment of $46. I told them the items were cancelled. They said that Amazon took their money and they want their money back. I contacted Amazon and they said once the card has been denied the authorization will be released and the transaction goes to zero. I reached to Klarna and told them to refund my 1st installment. I informed them I’m one of your representatives listened in and recorded the conversation with Amazon and myself that they did not charge the card. It’s Nov and still trying to get money from my bank. This has caused me more stress than my husbands lung and rectal cancer. I need this to stop. Ellen
My complaint has not gone as far as the others yet. But I have made a purchase through Klarna. Even though I have two valid payment options connected to my account, the past three payments have failed when autopay was scheduled. I have attempted to have this fixed three separate times. All of which have failed to work. This most recent one, I contacted Klarna support in an attempt to resolve this matter once more and expressed my frustration with this entire process. I was assured everything would be fine and that if a late fee was ever applied, that Klarna would remove the late fee. This was a week before I received the late fee and luckily I took a screenshot of the chat where the representative assured me the first time in the chat and another at the end of the chat when they summarized the issue and resolution again. So based on the representative’s instructions, I let it go through in hopes of the issue being resolved. A day after the payment failed yet again, I received a $7 late fee. So I contacted support yet again but this time, they told me that I was misinformed and they do not posses the ability to remove a late fee even though I’ve shown them the messages. After arguing with the support chat, I have emailed support in hopes of escalating the issue and was met with an email saying “oh, I didn’t know we couldn’t resolve issues like that, sorry about your luck”. I am paraphrasing the response, but that was the message.
I am aware that this is a lot to go through for a $7 late fee, especially after reading these horrible situations that others are experiencing. But it’s the principle of the matter. I’ve attempted to fix the issue multiple times and after following the instructions of a Klarna representative, I was misinformed and penalized. Klarna is a service that appeals to people who want products but maybe are in a position to where buying something outright isn’t possible at the time. Misinforming customers in order to gain more money via a late payment is fraud in my book. I hope to shed light on this situation and have it resolved so others can avoid it.
Ordered a product March of 2023 through klarna. It was back ordered and still was backordered till June. I cancelled my order and never received a refund. Klarna wants my return receipt but nothing was ever received nor was anything returned. I have sent multiple emails with Klarna and have provided everything requested and they refuse to refund my purchase. The merchant did a NET30 return but that would go to klarna. The only info the merchant had had the virtual card provided by klarna for the original purchase. Nothing linked to my account. It’s been over a month now of massive headaches. I never thought I’d come to this point for a measly $210.99 purchase but this is beyond frustrating. I have talked to a representative over the phone. Almost 7 different tepresentatives through the chat in the app. And now emailed many times with klarna. Also multiple emails with the merchant. I don’t have any money to fight this so I feel stuck. Not cool at all.
I have been dealing with a so-called dispute since April 2023 on an order that I never received, nor have I received any type of resolution to it. The issue is is this coming from China which I think so and since I did not get any email or confirmation they want me to jump through hoops to try to resolve the issue. I have reached out to the so-called merchant and they can’t help me because I can’t find anything. I have also found lots of feedback online from this so-called company as a scamming product company. so till today I still have not got this resolved and I’m kind of upset about this and this is my first time doing a so-called dispute with them. I have also sent this company Klarna the same emails that I have sent to them but they just keep putting it back on me. I refuse to pay for something that I did not receive and they still wanna help me so all I keep doing is opening up the dispute back because this is ridiculous, they can see the merchants name and phone number whatever and they don’t want to do anything to resolve my issue
Purchased a vanity for my wife from Litfad the company sent me a damaged product and it was not even the same as what they displayed on website, after looking up the company on trustpilot and sitejabber i realized 100\'s of others have been scammed by this company from china right away I sent pictures to Klarna and provided them with all my evidence and ask for buyers protection since i had proof product was different from the website, Klarna ignored my request for buyer protection and told me i should remove my bad review for the store and settle for 40% refund or pay shipping to return broken items to china. klarna is now threatening me by saying I only have those two choices or they will turn back on my automatic payments please help me i dont want to be sent to collections and i deserve my money back klarna should not support scam companies like this
Ordered a set of wheels off of ThreePiece.Us. Called and emailed a thousand times, first time being 5 minutes after the purchase was made using Klarna, for them to cancel the order because I ordered the wrong set. They still shipped it out. Never got a reply back ‘till this day (originally purchased 04/20/23). I refused the shipment and have proof that ThreePiece.Us received the wheels back. Disputed it with Klarna. Twice now Klarna has taken their side in the dispute and is demanding my payment. I sent the wheels back and made it EXTREMELY clear I did not want them. I have given Klarna the proof from FedEx that the company received the wheels back. They keep sending over the delivery receipt from weeks prior to that, when the shipment was originally sent out (then refused). They do not make sense with their decision and I will not give them my money. Shady, scammy practice.
There was a purchase for Ray Ban sunglass utilize Klarna for the purchase. The merchandise was return to the company months ago. The same day I process the return through the app is the same day we took the merchandise back to the retailer and received confirmation of the return merchandise . I reach out to Klarna to find out WHY have they NOT processes the returned. I received an email asking me for more information regarding the return. I happen to look at the app this evening just to see them trying to charge me for a return item they fail to process. With my information I sent to them of the return.
A false purchase from Saks Fifth Ave showed up for me from Klarna. They have charged me over $400 so far for a purchase I didn\'t make. I have called them twice and called Saks 2 or 3 times. Saks does not show any purchase from me on the date Klarna listed. I called Klarna again today and they are still putting me off. What do I do.
My merchandise bought with klarna was defective and they still want my money.
I have a purchase on my account that is not authorized. I called into Klarna starting in January for helping disputing the purchase. I have asked for a supervisor to assist. I have spoken to the investigation department. They keep saying I have to pay the order and even make debits from a card I didn\'t authorize them to use. You have to select which method of payment you want to use. I, the consumer, have to decide. But they will debit the card on file and there is no autopay option. They are doing unethical and illegal practices with consumer\'s finances.
Bottom Line: Can I sue for not only what i\'m owed, but more for undue stress and emotional bout this experience is putting my family through?
DETAILS:
I am active duty military in the US Army, and I am victim to fraudulent business practices that is threatening my livelihood. Between 12/4/2022 and 12/7/2022 I made purchases with the Klarna buy now, pay later service at Petco, Petsmart, and Walmart. Within several days I had returned everything purchased, most the very next day. I had a change of mind and didn\'t use any of the products returned. I returned the items to the stores and got physical receipts. The total expected refund amount in question between the 3 stores is approximately $1,050.64. I have not received any refunds in-person, digital refunds from Klarna, or the promised paper checks I should have received almost 2 weeks ago. Klarna has now ignored my attempts to communicated through the email threads with Klarna.
Klarna admitted that their system couldn\'t refund my payment methods for some reason and that paper checks would be mailed to me for the total amount of these purchases + any fees or interest. Then I could use said checks to pay the balances off. I haven\'t been refunded any of my down payments to date either. I have had my bank block them because they continue to try and draft payments towards purchases whose goods were returned to the stores. They have now sent me collections/credit threat letters, refused to extend payment due dates or reverse associated late fees. I returned these products to the store over 2 months ago and still have no refunds. They owe me over $1,000, which will total approximately $1,725 over time if they force me to pay/send to collections. Again, all for items that I no longer have and were all returned properly to the store with return receipts!
Hello,
I am seeking help with a refund issue. Klarna has owed me a $206.23 refund since September 13, 2022, for a purchase never received. Klarna has never denied that they owe me a refund. First they claimed that a refund check was sent to me on October 19th, which I never received. After I filed a BBB complaint they then claimed a check was sent to my address on November 14th, which I never received either. They can provide no proof of mailing in either instance. I seek assistance in getting back my rightful money from this company. Thank you.
We had a payment plan set up with Klarna to have payments withdrawn from our account on the 25th of every month since October 2021 for 36 months. Everything was fine until recently. They debited our account October 28th, November 2nd, November 4th, and November 7th for $203.45 each transaction. When speaking to them, they said those payments were manually paid, which they were not because we had auto pay set up since we purchased the item, and they proceeded to tell us we had failed to pay for 3 or 4 months. When we showed them statements and app screen shots that we did pay those months, they blamed it on our bank. We had the payments reversed, and they drafted the account again without permission on November 15th, then proceed to tell us we still owe money for October and November. They sent us an email saying our claim was sent to someone who can \'deal with our issue\' and we haven\'t heard anything from them in almost 2 weeks. We refuse to pay these supposed missed payments because we already paid for them, according to the app and bank statements. Our payment was due November 25th for $407, to cover October and November.. and as I mentioned above, they debited our account October 28th for the October payment. We need SOMEONE to get their attention and figure this crap out. Until then, we aren\'t paying them squat. As far as we\'re concerned, they withdrew those alleged missing payments already. We\'re also wondering where that November 15th payment went?
