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 2026-05-15

1,786
Total complaints
1,100
Last 12 months
91.3%
Timely response
53
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Klarna AB has accumulated 1,786 complaints, placing it #228 by volume. It answers 91.3% of complaints on time - below the 93% median for companies with 100+ complaints.

#228
of 3,848 companies by volume
91.3%
answered on time
Payday loan, title l…
most-complained product
53
states with complaints
Klarna AB timely response rate 91.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Payday loan, title loan, personal loan, or advance loan - Installment loan 413
Credit card - General-purpose credit card or charge card 232
Credit reporting or other personal consumer reports - Credit reporting 226
Debt collection - Other debt 140
Debt collection - I do not know 129
Money transfer, virtual currency, or money service - Mobile or digital wallet 119
Credit card - Store credit card 74
Payday loan, title loan, or personal loan - Installment loan 62
Debt collection - Credit card debt 59
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 54

Top Issues

1.Problem with a purchase shown on your statement 258
2.Problem when making payments 224
3.Attempts to collect debt not owed 187
4.Incorrect information on your report 179
5.Problem with additional add-on products or services 89
6.Charged fees or interest you didn't expect 83
7.Improper use of your report 79
8.Getting the loan 63
9.Unauthorized transactions or other transaction problem 55
10.Took or threatened to take negative or legal action 50

Complaints by Year

Year Complaints
2017 1
2018 7
2019 6
2020 31
2021 94
2022 126
2023 127
2024 201
2025 777
2026 416

Complaints by State (Top 15)

California 224
Texas 166
Florida 151
New York 134
Georgia 111
Pennsylvania 72
North Carolina 71
Illinois 66
New Jersey 66
Virginia 56
Ohio 55
Arizona 47
Michigan 45
South Carolina 42
Maryland 39

Company Responses

Closed with explanation 1,701
Closed with monetary relief 82
Closed with non-monetary relief 3

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 answers 91.3% of forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. 4.8% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.