Klarna is a bogus company

I have been trying to pay through the website for a long time. This is an absurd company with no clue how to make things easier for customers. I opted for payment through Klarna and wanted to pay off the entire debt before the interest would have soared. For which, I wanted to pay in full without accessing any delayed payment or in parts. My last experiences with Klarna payment were very bad and their interest policy seems flimsy. They charge so much that it is very difficult to keep track of the interest or the capital.

This happened to me twice. Hence, I decided to pay in full before the payment would have further made a problem for me. Hence, I was looking for a full payment option. Somehow, I was not able to make the complete payment at once. Hence, contact the chat support. To my bad luck, the person was awful in communication. He was not able to chat in English. There were so much of errors that sometimes, I had to sit back and think of what he actually wanted to say.

This went to at least an hour. I tried getting to someone who have known how to speak in English. However, nothing worked. Later, I was given an answer that they were not able to do anything about the problem. I decided to check later and connect after some more research on my own.

After a week, I tried to make the payment in full. And, the same problem persisted. So, I asked someone through the chat support to help me. This time, there was at least someone who understood what I was trying to convey. And, I was also able to understand his chats. He told me that there is not much he can do. But he would arrange a solution soon. He asked me to contact them after two days. I really felt that this guy intended to help me. But I was wrong. This was not a help but a way to push me away. After two days, when I did not receive any message, call or even Email, I decided to contact them again. There was not much time before the interest would have been added. So, I was on my toes to ensure that the amount is settled before that.

No one helped me again. These guys keep promising things that they never complete. Anyway, when I checked again by myself, I discovered that the website allowed the payment of minimum amount. This is ridiculous. This would only add interest to my principle amount. Or maybe, the company only wanted to do so.

Even their phone support sucks. You would be given 10 different reasons for your problem. But none of them would try to resolve it for sure. They would only try to make the matter worse. These guys are scammers. Klarna is full of fake promises. When a customer wants to subscribe to their services, they offer so many things. But all those things are just to ensure that the customers feel comfortable with the terms. Later, none of the terms is put into exercise. I have very well understood that these guys are fake.

They only want to extend the payment time so that they can add high-interest amount. How can these guys say that they cannot do anything? These guys work here and they must be aware of the company’s policies. And, being from the customer service department, why are they not competent enough to resolve problems of customers.

Anyway, I believe that the company itself is not wanting to take care of customer’s problems. When I contacted them again, for I do know, after how many attempts, they asked me to make the minimum payment and the interest won’t be added. Once the payment is open or once they find a way to accept the complete payment, they would deduct the minimum payment amount already paid and would take the remaining amount.

I was so stupid to believe them. They said that I did not pay the minimum amount not only my interest rate would be higher, but my credit score would also be affected. This sounded okay to me. And, I believed them. They are unprofessional and cheats. They only consider what their company trains them for: To cheat others.

After I made the minimum amount payment, I stopped calling them until few days when I received an email about the monthly statement. The amount was in addition to the interest rate with no consideration. When I asked the agent to send me an email confirming what he promised. He said that there would not be any need for any written confirmation. The company policy was such that I would be able to make the payment without an interest amount if I paid the minimum balance amount.

Hence, I did not stress much about the email. When I received the statement, I was shocked to see that the entire thing was completely different of what was promised. I called back the company and trust me, it is very hard to talk to a human. Most of the time, you would be welcomed by the robot. And, the long waits would only increase your frustration. All these things have always made me believe that I was taken for granted.

I believe that the company is only trying to impose high interest but it is also trying to ensure that the customers aren’t able to save interest if wanted to pay early. This is a complete web and if one tries to get out of it, the company would ignore any help that they can provide. I hate these people and would make sure everyone knows about their scam.

I have been cheated so many times with higher interest rate. I never used to check the statements until the last time when I realized that these guys are cooking something dicey. This was the very bad experience. I have never been cheated like this before by any financial company.

It is not it. These people make it difficult to process things in one go. Their website and service suck. There are many failed payment attempts that occur. Almost once every time I tried to pay for something. The money is debited but never credited to the intended account. In such scenario, money must reverse to the bank of the one who made the payment. However, in this case, you may wait for a week, but that won’t happen unless you chase these guys on chats and phone calls.

It is very disappointing. These all are the reasons why I decided to pay at once this time and get out of the mess forever. Even while paying to these guys as well, the same problem happens a lot of time. The money would be deducted from my account and they won’t update the same in their system. They show outstanding until you call and clear things up. They have even charged late payment once for a mistake that was theirs.

I am never ever going to use their payment for any more outlets. These guys are scammers and seems like they are doing it intentionally. There is no way a company would make so many mistakes and still be so cool about it.

I am done with Klarna and would make sure that the message reaches as many people as possible. They have been doing wrong with the customers. I have checked many negative reviews about these guys. So, I am not the only one. They try to hide bad reviews and like to show that they are the best in the industry. This is not true at all. These people are a mess and would make your life a mess too.

Do not believe them or you would be repenting as I am now. However, I am sure I will call them and nudge them until they solve my problem this time. Their customer service is to frustrate customers even more. You will always get one answer – we do not help in these matters. So, who the hell help? This is disgusting. These guys have no clue about anything or they pretend to be fools. So, that one does not expect much from them. They would never connect you to anyone who is senior or would know more. Everything is a scam.

Is Klarna a scam?
Klarna is a scam and a bad service provider as per the report filed on dirtyscam.com. They are not aggressive towards their customer satisfaction and complaint grievance.
Is Klarna legit?
First Klarna is not a legit business owner or provider. You must take necessary precautions/measures before buying or using their services.
How many reviews are submitted by Klarna’s consumers?
There is/are 4 review(s) posted about Klarna and it indicates that the severity of the scam is Extremely High.
Where is Klarna located?
Klarna is located at 7th+floor, 33 Cavendish Square, Marylebone, London W1G 0PW, UK. You can contact Klarna by dialing +4420 300 50833 or visit their website www.klarna.com/ before filing a lawsuit. We are no way affiliated with better business bureau or yelp reviews platform.
How much monetary loss is incurred by Klarna’s customers?
According to the report(s), US $4700 was the total loss incurred by Klarna’s customers.

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4 Reviews on Klarna

  1. Odd algorithm, refused me with good credit score

    The “soft check” didn’t appear to be legitimate. Might only extend credit to people with certain phone apps, or people who have done business via phone apps – there is some odd algorithm. Upon clicking “agree” it sent a message back immediately that it couldn’t offer me credit. I have a good credit score and make $180,000 annually, and wanted to see if this was legit asking for $3000 credit. I have no debts and have lines of credit with several merchants, so this should have been a sure thing. Well, this doesn’t appear to be legit – buying with cash instead I guess. After reading the other reviews, I guess I dodged a bullet (so to speak).

  2. Fraudulent account opened in my husband's nsme

    Someone opened an account in my husband’s name using only his email address. They obtained credit and went on shopping spree. We have been trying for over a month to close this account. Now they are saying the account cannot be closed because he owes Klarna money!


  3. Do not touch KLARNA they are licenced unethical, deceitful SCAMMERS

    Don’t touch this unethical and deceitful company. I wish I could give them a minus rating.

    Students and ANYONE who doesn’t want bad credit. PLEASE PLEASE for your mental health and financial health DO NOT use this company.

    Ignore the false 4/5 ratings this company write about themselves to boost their credibility. Believe me once they get their hooks on you they will NOT let you go.

    One of their tricks is to deduct your payment but not update it on the klarna app, which will more often than not crash (deliberately) whilst you are trying to make the payment. Then they try and trap you with their late fee which is how they make you build up a huge debt. They make it extremely difficult to sort out any issue which just goes on and on through their web chat as your debt builds and only allow you the minimum payment which of course is ALWAYS a bad idea.

    They will trap you with lies of late payment and say you can only pay the minimum payment so your debts on your ‘missed’ payment racks up along with your normal payment fee. Their apps deliberately don’t work properly to stop you paying on time and their customer service is the worse on record. It took me nearly three weeks to make a payment as nothing works. Even after I paid up in full they tried to tell me I missed a payment and were going to charge me a late fee.

    If you sign up with company you will spend HOURS AND HOURS AND HOURS talking, writing to unhelpful ‘customer services novices’

    DO check your junk mail so you don’t miss your payment reminders and if you can pay them off if they will let you. SAVE EVIDENCE FROM YOUR BANK THAT YOU’VE PAID AND DON’T BELIEVE THEIR REASSURANCES ABOUT PROBLEMS BEING SOLVED UNLESS YOU SEE THE EVIDENCE.
    They will trick you to fall into debt that sums up this company.

    Don’t let them ruin your credit rating whilst you’re young this will affect everything you do. They a 5 star rating similarly worded ‘review’ almost every other hour on feedback sites to trick people to thinking they are safe.

    If my review saves one person from these licensed thieves then my job is done.

    Most people get silly dating junk mail but within hours of signing up to KLARNA back in March I was inundated with scam calls, texts and emails and am still being inundated daily with junk email with my personal details and name in them. Which I had NEVER had in 20 years of using emails and mobiles like KLARNA looked through my computer and phone history.

    I will keep printing and re-printing MY TRUE REVIEWS until you stop.

    You are worse than leeches.

  4. Klarna Review

    I have been using this company for payments from last month and have paid for three orders by now. These guys debit the payments directly from my account and never had any problems. In all the three scenarios, I have closed the payments early willfully. During these three payments, I never had any problem. I guessed that the company was fine and wanted to go with it for the next purchase this month.

    However, when I put an application as the amount was a little higher, they asked for making a deposit for some amount. This was an expensive order, however, none of the prior orders were cheap. So, I believed that this would be approved as well. What was I thinking? These people are very cunning. They know how to eat their customer’s money. There are many complaints register online.

    They only allow first-time buyers and a few others with some more orders. After that, they won’t allow you to do anything. Many customers have complained that the company does not allow after a few handfuls of orders. I started believing after it happened to me. I guess, they only try to earn through ad clicks on their website. This is very annoying. Once you start trusting this company, they show you their real face. Klarna is one of the incompetent companies I have ever dealt with. Their customer service is also very laid back. They won’t tell you anything and would act dumb.
    When my application was rejected even after making the deposit. I called the team to investigate the issue. And, these guys had no clue. After I deposited the amount, I got an automated mail after a week that the application was rejected.

    It also said that they would be refunding the deposit deducting the taxes and few other charges. Why should I pay for the taxes or any other charge when they denied it from their end? They could have denied it earlier. They could have checked things from their end earlier before telling me that I can fill the application and deposit such a big amount.

    This is not acceptable. I have been a loyal customer. I have always tried to pay the bills on time. I earn a handsome income every month. And, there have been no issues with the payments. Then why they would cancel the application. When I asked the same question with these guys, they made it so difficult for me to assess the problem that I decided to quit finally. First of all, these people said that they would work and see why the application was rejected as my account seemed all good to them.

    So, they asked me to wait for a few days. After a week, when there was no response from their end, I called back. It took me so much time to reach someone and that guy, he asked me to wait while he transferred me to the right department. However, that never happened. The call disconnected while I was on hold and he never called back or arranged any call. I waited the entire day before calling them back.

    I talked to these guys and they told me that the account was fine, however, they won’t be able to process the application. And, they said that they would be sending an application with the reasons. I waited again. They did not email me either. After two days, I called them back. And, this time, these guys told me that my credit score was low. That news was shocking for me. The last time I checked it was awesome. So, I checked that again.

    Using Experian, I checked my credit score. And, the good news is that the score was brilliant. There was no issue with the credit score. I do not know which source they use to check these scores. Or, maybe, they just needed to stop me from calling them again and again. When I told the same thing to these people, they started making excuses. They said that they have their own standard when it comes to measuring the credit score. I am not a fool. They have tried their best to make me one. But their tricks won’t work on me. After so much trouble, I was anyway not going to use them for the payments. So, I asked them to refund the deposit amount. After a month of making the deposit, I did not get any refund which they described as my fault. They said that because I was trying to sort the problem with the application which ultimately resulted in a delay of the refund.

    Making that as my fault, they said that the money would be processed in two days. The amount was credited to the account after three days. But the problem was different this time. They had transferred only 50 percent of the deposit. Why would they deduct so much on the name of taxes? I was told that the credit score checks and other formalities cost me so much of the amount. This is furious. I am never ever going to use this company in my life. I am not going to recommend them to anyone either. These people are monsters. I have used so many companies that offer decent service and great customer experience. Aren’t these what matters? For me, a company offering amazing customer service is the first option. And, this company sucks on that front.

    Moreover, it seems like a scam to me. Nothing more than that. I am sure those using the services would abide by that notion. They have tried everything to write great reviews about themselves. Or, it must be from those used their service for a few times. Once you start asking for more, they would shut you out too. A complete shame.

Reported Loss :4700 $
Severity of Scam :Extremely High
Reported by : Anonymous
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