2026 data Public-data reference Official source

Klarna AB

2.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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2.4K
Total Complaints
91.4%
Timely Response
0%
Disputed
4.5%
Relief Provided
54
States Active
2017
Since

Data updated June 2026

Timely response rate 91.4%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 4.5%
Industry median

Share closed with monetary or non-monetary relief.

Klarna AB complaint mix by product

Total complaints: 2.4K

Klarna AB complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 2.4K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Payday loan,: 646 complaints (28.3%), resolution 6.3% Payday loan, 28.3% Debt collection: 490 complaints (21.4%), resolution 1.8% Debt collection 21.4% Credit card: 416 complaints (18.2%), resolution 8.4% Credit card 18.2% Credit reporting: 382 complaints (16.7%), resolution 1.0% Credit reporting 16.7% Money transfer,: 176 complaints (7.7%), resolution 4.0% Money transfer, 7.7% Payday loan,: 91 complaints (4.0%), resolution 2.2% Credit card: 85 complaints (3.7%), resolution 7.1%
  • Payday loan, 646 28.3% – 6% relief
  • Debt collection 490 21.4% – 2% relief
  • Credit card 416 18.2% – 8% relief
  • Credit reporting 382 16.7% – 1% relief
  • Money transfer, 176 7.7% – 4% relief
  • Payday loan, 91 4.0% – 2% relief
  • Credit card 85 3.7% – 7% relief

How Klarna AB's 2.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Payday loan, title loan, personal loan, or advance loan 646
Debt collection 490
Credit card 416
Credit reporting or other personal consumer reports 382
Money transfer, virtual currency, or money service 176
Payday loan, title loan, or personal loan 91
Credit card or prepaid card 85
Credit reporting, credit repair services, or other personal consumer reports 57
Checking or savings account 56
Prepaid card 25
Debt or credit management 14
Vehicle loan or lease 2
Student loan 2

Top States

State Complaints
CA 284
TX 221
FL 202
NY 174
GA 156
NC 99
PA 98
NJ 89
IL 85
VA 72
AZ 72
OH 69
MD 64
MI 58
SC 54
IN 45
MA 43
CT 39
TN 38
NV 36

Top Issues

Issue Complaints
Problem with a purchase shown on your statement 342
Problem when making payments 313
Incorrect information on your report 276
Attempts to collect debt not owed 259
Problem with additional add-on products or services 118
Took or threatened to take negative or legal action 107
Charged fees or interest you didn't expect 102
Improper use of your report 96
Problem with a company's investigation into an existing problem 93
Getting the loan 85
Unauthorized transactions or other transaction problem 70
Problem with the payoff process at the end of the loan 51
False statements or representation 43
Written notification about debt 36
Getting a credit card 35
Problem with a lender or other company charging your account 34
Other features, terms, or problems 29
Trouble accessing funds in your mobile or digital wallet 26
Electronic communications 23
Trouble using your card 23

Yearly Trend

Year Complaints Timely
2017 1 100%
2018 7 100%
2019 6 100%
2020 31 67.7%
2021 94 68.1%
2022 126 100%
2023 127 98.4%
2024 201 100%
2025 777 88.3%
2026 1.1K 92.9%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Klarna AB

Klarna AB's 2,442 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. 41.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2017 through 2026-06-26.

Klarna AB answers 91.4% of complaints inside the CFPB's tracked window and closes 90% with a written explanation. 4.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Problem with a purchase shown on your statement."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Klarna AB.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does Klarna AB have?

2,442, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Klarna AB respond to complaints on time?

91.4% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Klarna AB?

"Problem with a purchase shown on your statement", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.