Klarna

I didn't follow through with a payment, but apparently when 'verifying that I have enough money to pay the payment' they put a hold on the funds anyway - so that money has gone out of my account when I didn't even use Klarna to pay for anything. Could take 24 hours or 7 days to refund me. I mean, this seems kinda illegal... Nightmare. Will never use them again.

***YET ANOTHER UPDATE! THIS LOT KEEP GETTING BETTER!!!!*** As a result of the scam situation I am in which involves Klarna, I raised a complaint with the Australian Financial Complaints Authority. In their response to me, [Name Removed] from… Read more

Klarna......no, that's not a joke, that's the contact......she contacted me in her capacity as a complaint investigator. Her email suggests that I am the person they have approved a loan to, even though, at no time, do they show me any ID documents of mine which were used in their verification process. It is all their word against mine. It has taken weeks for [Name Removed] from Klarna (I just like saying it), to tell me she has a technical issue and cannot open my attachments. In order for her to progress her investigation, she would like me to resend them in PDF or JPEG, just as I did before. She then makes 3 points asking me;

1. Confirm the date I first noticed the activity I 'BELIEVE' to be fraudulent and whether any other accounts of mine, other than Klarna have been affected. (They have, but why would I trust them with even more personal information?)

2. She wants copies of documents from ID Care, my banks, police reports, etc. Can you believe that??

3. She wants me to prove that the false address, used by Klarna and which appears on my credit report, is not associated with me? How the Hell do you do that?

This is laughable. In my terse response, I told [Name Removed] from Klarna that the burden of proof is on them. Klarna needs to prove my association to the false address, and provide me with all documentation of mine which was used in order to verify the identity of the individual who was pretending to be me.

Has anyone else experienced nonsense like this with them? They're way beyond second rate. TOTALLY INCOMPETENT!!!!!

***** TODAY, KLARNA CANCELLED THE ACCOUNT I HAVE NEVER HAD. I TRIED TO EMAIL THEM BUT IT DOES NOT RECOGNISE ME*****

I HAVE NEVER HELD AN ACCOUNT WITH KLARNA!!! However, I have had several serious hacking/scamming incidents since earlier this year, perhaps due to a lost wallet at the end of the year. I have reported matters to my banks, Cyberscam, ID Care, the Police, Equifax, Australian Financial Complaints Authority, etc, etc.....The reason for this is that my credit report shows that my residential address was changed to one I do not recognise, and it notes a Loan Contract with Klarna. Currently, all bank accounts are frozen, driving licence blocked, etc, and Klarna will not remove the entries. They granted a loan associated with Airbnb, accepting only my name and DOB as supporting documentation!!! That's ridiculous. I have had to change all passwords, direct debits, and the matter is ongoing as I only discovered the report a week ago. It has been stressful, time consuming, and a massive wakeup call. I am an old aged pensioner, and deserve better than this. I will NEVER enter into a contract with Klarna. They continually ask me to open an account and provide more personal information in the form of other documents. THAT WILL NOT BE HAPPENING!!!!!

I have spent over 4 weeks on live chat asking them to fix the Agoda app that will not open. I have also reported it about 10 times on the link they have but nothing is ever done. The customer support told me to chat with Agoda, Agoda doesn't help anyone unless you already booked something with them, so thats useless. Its not my job to fix KLARNA APPS. YOUR NOT LOOKING AFTER YOUR CUSTOMERS!

Klarna took over my previous loyalty card app so I ended up with it. It seems to access wifi everytime I try to open it. Takes ages to work out I'm offline before it gets to show me my list of cards. End up standing at the shop checkouts for ages.… Read more

Then they need to update, so I can't even access the cards at the checkout. No worth it, there are much simpler loyalty card apps that opens instantly.

Purchased a drone that was never received, proved to them it was never recieved am yet to get a refund. Terrible customer service when you call them. Apparently they needed my money more then I did

Will never use this service again. After missing a payment to having fees put on I rang to let them know I’m willing to put pay $299 in payment plan from hardship. The lady was rude, ignorant then told me I can’t do part payment for hardship but only paying the whole thing for hardship? What kind of hardship is this !?!?!?! Makes no sense

l have been with Kalana now for a long time and am never disappointed. A great way to purchase items abd payoff in instalments. l am able to budget and pay with the app easily and with transparency. The customer service is outstanding and are there to assist with care and support provided when needed. Thank you Kalana

No issues – I've never had a problem with klarna, I appreciate that they are more responsible with lending, not giving too much access like afterpay does .. have only had positive experiences since using them for about 1year now

If you could give it no stars you would, bought plenty of things over 4 years worth thousands of dollars in repayments, today the declinded a $52 purchase and blamed merchant, them want me to do there staff are automated and you then you speak to live agent who knows less then the automated assistant, Give them a big miss your personal details are not safe with them, Scammers

Fraudulent credit checks completed. I contacted this company for assistance with a credit check that was completed under my name by them. I have never heard of this company and have never applied for a product with them. They would not assist at all and then hang up on my call.

Zero stars no remotely positive experience. Tried to use as a first time payment on Airbnb. 45 minutes later with the payment still in progress have opened up another screen to find the booking has been taken by another customer. Airbnb or Klarna zero help over 2.5 hours later, all time low for customer service and an embarrassment for both… Read more

organisations. Hate to say it but with the customer service level of both agents I spoke to, bring on AI could only be an improvement. Won’t bother to waste my time again but hopefully a warning to others. Surprising it is Commonwealth Bank product.

Tried to buy something using Klarna. Payment kept failing. Then checked my bank account and saw they had 3 pending transactions adding to $1.2k that they are holding. It’s been over a week and they won’t help get my money back. Keep telling me the bank is the problem. It’s their problem as the merchant they’re the ones who need to release it so my… Read more

bank can actually send the funds back to me. Customer service is actually useless and refuse to help in anyway.

The worst app and the worst company I payed all my payment that i missed because of my financial hardship want I finished it im trying to buy new things they ask me for loans now no sorry im not going to tell you my loan im done with this app and the company im will no longer going to use it bye

Terrible & buggy. Back when dinosaurs walked the Earth, there was a thing called StorCard, which stored all your cards - anything at all. Easy to use, worked like a treat. Then it became Klarna and ever since then it has been crap. Taking you through multiple sign-in, putting ads up all the time, wrong card being selected, all whilst you are in line with people behind you. I hate it with a vengence. Avoid this app.

Klarna took over my previous Loyalty Card app, Stocard. Since then it has been pushing credit offers on me using very predatory behaviour. I never wanted the app to use as a method of payment, for me it was a digital wallet to store my rewards card. The interface seems to shuffle round often, making it hard to just quickly open a loyalty card to… Read more

swipe. In the last 7 days, one of my cards has disappeared completely, and their helpdesk were worse than useless and it was a giant waste of time. I'm moving my cards to Supercard, so much easier to use and without the constant challenges.

DO NOT USE KLARNA!! There are other options who use the correct regulations like Affirm or Afterpay. I used Klarna just to see what the process would be because I’m in sales and we offer Klarna as an option for financing. The process was pretty simple but I’m telling everyone and anyone DO NOT USE KLARNA!! They offer financing to illegitimate… Read more

companies/merchants. I did not receive any invoices for my purchase nor did I receive my purchase. When I tried to work with Klarna they told me 2 separate times that they would take care of the dispute. Only for them in the end to tell me some merchants will sell items and close their business. But I’m still responsible for the item that I did not receive! And after…reading the reviews for Klarna I learned this is common. I imagine it’s a Swedish company and they set their platform up to steal from other countries like the US. DO NOT USE KLARNA!

MAJOR Problem. Klarna’s ONLY step to take action to resolve Klarna’s billing error. Klarna TOOK FUNDS from MY BANK ACCOUNT for their billing error. Their ONLY offer to resolve refunding me what is owed is for me to take a screenshot of my bank account transactions since their error. THIS IS VERY WRONG. My bank account is NONE OF KLARNA’s business. They took, they still owe. It is that simple.

Have list my goods in transit and you can't get anyone to help yet they keep in charging me. Terrible shops to choose from because mist stores use afterpay and not them. Dint sign up with at all. They add a late fee if you forget straight away. Terribly run company.

This app is absolutely crap. Stocard was simple and didn't demand additional personal data. Screw you klarna, give me my card details back without me having to provide more details of login, otherwise we'll see what Consumer Protection has to say.

Wow aye approve everything till you get to checkout or get there so called card, then denied on spot, would be good to know b4 you get to check-out your balance instead of applying in front of people and embarrassing future clients , or ya's simply don't care

After applying for and verifying my identify so many ways this company exploited my account information and charged my account TWICE for a pay in 4 that was never completed! I called Klarna and explained the concept of unjust enrichment as they held onto nearly $400 in cash so that I could not have any of the materials I ordered in time for the… Read more

contractor I hired to complete his services. Now I am going to lose money as I wait for my bank to determine if they can refund any portion of my money by Monday and it may be too late to order the materials my contractor needs. I am disgusted with this "Hold" that they place in a unilateral manner, and can sincerely say that this is a sleezy company to do business with. Stay with other services that are dependable such as PayPal. Klarna takes money out of the accounts of their customers and enjoys the interest they earn pending refund. I am so sorry I took a chance on them. Lesson learned.

I’d give it zero if I could. Absolutely appalling customer service and the quality of service. I used it through Air BnB and it didn’t work yet took my money. I wouldn’t trust it as far as I could throw it. Untrustworthy

Sneak business conduct. They are holding our money for nearly 2 months now because they needed to do a review on our account, despite having set up the account with all the correct paperwork. We submitted the new paperwork (same as the old paperwork) and over a month later, they are still holding our money saying that the team handling the case… Read more

haven't got to it yet. Seriously what kind of business can work this way?? Very unscrupulous conduct. And seemingly a law unto themselves. Who regulates these companies??

This company Klarna sided, with a beauty business who kept nearly $500 for a course not described as advertised - As per Accc guidelines, I requested a refund - I sent all the evidence , I had not even started the course. I had only looked at the first 2% and knew that the course was not as described. and they still declined. Will never use klarna again!