Lender · complaint record
Klarna complaints
Filed under Klarna AB
Consumers have filed 3,261 complaints about Klarna since 2017, 2,065 of them in the last 12 months (+224% on the year before). It answered 93.6% on time and closed 8% with relief for the customer - more often than a typical lender. The most common problem is problem when making payments. It is the most complained-about of 272 personal & payday lenders this year.
Weak response record. How it works
- Complaints on record
- 3,261
- Last 12 months
- 2,065
- Answered on time
- 93.6%
- Closed with relief
- 8%
- Last 30 days
- 128
- Rank
- #1 of 272
Since August 2017
+224% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 7, 2026
Most complained-about personal & payday lenders
Klarna complaints by month
The busiest month was October 2026 (218 complaints). Complaints in the last 12 months are up 224% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Klarna answered last 12 months
- Closed with monetary relief1678.1%
- Closed with non-monetary relief20.1%
- Closed with explanation1,87991%
- In progress160.8%
- Untimely response10%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time16/4593.6% on time
- Relief for customers29/408.3% closed with relief
- Complaint trend0/15+224% vs last year
What Klarna complaints are about
Top Klarna problems last 12 months
Inside "Problem when making payments"
- Problem during payment process 29
- You never received your bill or did not know a payment was due 1
Where Klarna complaints come from
Most complaints: California (384), Texas (326), Florida (295), New York (250), Georgia (195).
Klarna compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | KlarnaPayday & personal loans | 45 | 2,065 | D |
| 2 | Paramount GRPayday & personal loans | 44 | 1,373 | D |
| 3 | CCF IntermediatePayday & personal loans | 81 | 706 | A |
| 4 | Cherry TechnologiesPayday & personal loans | 44 | 452 | D |
| 5 | Dave OperatingPayday & personal loans | 33 | 416 | F |
| 6 | Solar MosaicPayday & personal loans | 5 | 387 | F |
| 7 | Aqua FinancePayday & personal loans | 56 | 335 | C |
| 8 | Solar ServicingPayday & personal loans | 55 | 288 | C |
Compare side by side: Klarna vs Paramount GR · Klarna vs CCF Intermediate · Klarna vs Cherry Technologies · Klarna vs Dave Operating
What people say about Klarna
All experiencesNo experiences with Klarna yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Klarna complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 7, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Money back |
| Nov 7, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Nov 6, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 5, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 4, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Nov 4, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 4, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Klarna
How many complaints does Klarna have?
Klarna has 3,261 complaints on record since August 2017, including 2,065 in the last 12 months and 128 in the last 30 days. That makes it number 74 of every company by complaints this year.
Does Klarna respond to complaints?
Yes. Klarna answered 93.6% of its complaints on time (within 15 days) and closed 8% with relief - money back or a fix; 8.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with Klarna?
The most common problems are problem when making payments (495), incorrect information on your report (415), problem with a purchase shown on your statement (447).
Is Klarna legit?
Klarna is a real company with a public complaint record: consumers have complained about it 3,261 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Klarna legit? for the signals, red flags and how to protect yourself.
Are complaints about Klarna going up or down?
Up. There were 2,065 complaints in the last 12 months against 637 in the 12 before (+224%). See every month.
How do I file a complaint against Klarna?
Complain to Klarna in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Klarna complaints come from?
Most come from California (384), Texas (326), Florida (295). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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