Debt collection
Klarna debt collection complaints
Consumers have filed 635 complaints about Klarna's debt collection, 409 in the last 12 months (+241%). Klarna answered 92.7% on time and closed 3% with relief. See the whole Klarna record.
Klarna against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Klarna | 409 | 92.7% | 3% |
Latest Klarna debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Money back |
| Sep 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Money back |
| Sep 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 11, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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