CFPB Consumer Complaint Profile
Klarna AB
1,786 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 1,786
- Total complaints
- Among the highest
- 1,100
- Last 12 months
- 91.3%
- Timely response
- Bottom quartile
- 53
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Klarna AB has accumulated 1,786 complaints, placing it #228 by volume. It posts a 91.3% on-time response rate, the 20th percentile among companies with 100+ complaints.
- #228
- of 3,843 companies by volume
- 91.3%
- on time (20th pctile)
- Payday loan, title l…
- most-complained product
- 53
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Klarna AB vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.3% Among the lowest higher than 20% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 201 in 2024 to 777 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 1 |
| 2018 | 7 |
| 2019 | 6 |
| 2020 | 31 |
| 2021 | 94 |
| 2022 | 126 |
| 2023 | 127 |
| 2024 | 201 |
| 2025 | 777 |
| 2026year in progress | 416 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Klarna AB
The CFPB Consumer Complaint Database has logged 1,786 complaints against Klarna AB overall, with 1,100 of those filed in the trailing 12 months. Reports have come from consumers in 53 states and territories, making this a nationwide complaint footprint. "Payday loan, title loan, personal loan, or advance loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Problem with a purchase shown on your statement" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Klarna AB posts a 91.3% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 4.8% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Klarna AB have?
Klarna AB has 1,786 total consumer complaints filed with the CFPB, with 1,100 filed in the last 12 months.
Does Klarna AB respond to complaints on time?
Klarna AB's CFPB timely-response rate is 91.3%.
What product generates the most complaints for Klarna AB?
Among all products tied to Klarna AB, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Klarna AB?
The most common issue reported by consumers about Klarna AB is "Problem with a purchase shown on your statement." All complaint issues are listed above with their counts.
How do I file a complaint against Klarna AB?
You can file a complaint against Klarna AB directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Klarna AB?
Klarna AB has drawn CFPB complaints from 53 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Klarna AB: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,786 here).
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Klarna AB have?
Klarna AB has 1,786 total consumer complaints filed with the CFPB, with 1,100 filed in the last 12 months.
Does Klarna AB respond to complaints on time?
Klarna AB's CFPB timely-response rate is 91.3%.
What product generates the most complaints for Klarna AB?
Among all products tied to Klarna AB, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Klarna AB?
The most common issue reported by consumers about Klarna AB is "Problem with a purchase shown on your statement." All complaint issues are listed above with their counts.
How do I file a complaint against Klarna AB?
You can file a complaint against Klarna AB directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Klarna AB?
Klarna AB has drawn CFPB complaints from 53 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.