CFPB · Slower timely-response band
Klarna AB
2.4K CFPB complaints · 91.4% timely (slow band) · top issue Problem with a purchase shown on your statement.
Klarna AB answers 91.4% on time (lower third) across 2.4K filings. Relief 4.5% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Slower timely-response band
- +107100% filings 2017 to 2026
CFPB relief outcome brief
CCDB company klarna-ab
4.5% relief · 91.4% timely · 2.4K filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Rosebud Economic Development Corporation (4.3% relief)
Klarna AB closes 4.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Klarna AB scores strongest on timely response (85/100 percentile-benchmarked) and weakest on relief provided (21/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
21 / 100 percentile-benchmarked
4.5% of complaints closed with relief to the consumer
Timely response
85 / 100 percentile-benchmarked
91.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
82 / 100 percentile-benchmarked
90% of complaints closed with an explanation to the consumer
Most of Klarna AB's 2.4K filings include narrative text
41.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Klarna AB complaint mix by product
- 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 |
Nationwide filing states for Klarna AB
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 11.6% of this company's filings
Klarna AB rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.1K
- +107100% vs 2017
Volume vs. relief
Where Klarna AB sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Klarna AB files more complaint volume than 43% of them, and closes complaints with relief more often than 55% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,442 · Closed with relief: 4.5%
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
Klarna AB in the slower-timely third
Klarna AB's 2,442 logged complaints reach a nationwide footprint - 54 states have at least one filing. 41.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-06-26. Timely response 91.4% sits in the lower third of the corpus.
Klarna AB answers 91.4% of complaints inside the CFPB's tracked window (timely band: slow) and closes 4.5% with relief; 90% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Payday loan, title loan, personal loan, or advance loan" · top issue "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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Klarna AB: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.4%.
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.
Data sourced from official public datasets for Klarna AB (#197 of 342; 91.4% timely; 4.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band