Klarna Reviews 

I love the app until something goes wrong - and then its a complete waste of time. The only support is a chatbot that is useless. For an app that claims it is about making things smooth - they sure as hell don't live those values in customer services. Disappointed.

EDIT: See response below from Klarna - so if you aren't on social media you can't get customer services.... tempted to remove another star!

Got credit with klarna for a brand new phone Was sent wrong colour of phone (pink). Cancelled order item was returned never touched the phone so was expecting a quick refund. Never happened so I suggested to customer service that I use the money i put down on my original purchase and try and buy the phone again or something else. They said its has to be used in conjunction qith finance. I thought great idea just what I was thinking brilliant were on the same page. So did a bit of shopping found an item I went through the whole process of applying for finance. To my shock I was rejected the 2 times I applied, so contacted klarna did not help just said it was the credit agency criteria. Emailed credit agency was told I have 3 hard searches and am still down for a grand in finance for the phone with klarna (which I am not) and opening of a new account recently has all dragged my credit score down so lenders won't be as keen to lend me. So this has all had a impact on my score, no sign of my deposit as yet. And the very fact I got credit with them is why there rejecting me. Good company unless there are problem then they are awful and not understanding of the position they created.

Note: refund issued by damsung on 18th March.

Filled in form to get refund back on the 21 or 22 March.

Informed by service centre that I should receive ARN (aquirer reference number) to track my refund.

23/03/2021. Replied to klarnas request via email awaiting response. No ARN/no refund

24/03/2021. Received response asking for details. Replied to giving requested details as of today when writing this. No ARN/no refund.

25/03/2021. Contacting service agent today to find out status of refund.

27/03/2021 still awaiting reply, also contacted live chat and emailed customer service, no reply from anyone. Although it is the weekend so probably won't receive reply over this period.

1/4/2021. Still awaiting refund no reply to my emails

3/4/2021 live support claims tomorrow they will be able to help if refund is not initiated by then.

6/4/2021 sent info as requested again as I did on the 23/03/2021. Hope to get a response

8/04/2021. This review has been copied and pasted. To boost review to top of list to get klarnas attention. No refund or response to date.

9/4/2021. Received reply to send in details AGAIN. replied with requested details again as I did on the 23/03/2021 and 6/3/2021 with no reply AGAIN, so won't hold out much hope for anything different hope for reply.
Also today I tried to contact klarna on live chat. I think they have blocked my chat as I cannot talk to even the chatbot.

Called klarna. Said they would escalate to senior management and discuss it within 2-3 hours.

Received what i assume is an automated reply thats just a standard reply to improve rating on trustpilot to show they reply to messages quickly. Although they reply they do not act on the information they request its ignored like most of my messages I email/live chat/phone call that I have made. Its a pity as on the outset they were very good its just when there is a issue they go from very good to extremely poor.

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Double charged for item not yet received. Ordered on 9th December, balance paid in full on 14th of December. Chatbot customer services zero resolve. Shame there isn't. A facility to remove stars.

Please do not install or do any business with these people.

I got a promotion from Tmobile for a $5.00 gift card. It didn't come right away after signing up, so I chat with them. They said it will come in 1 to 2 days.

So when it didn't come in two days as told, and they sent another promotion for when i make my first purchase, I would receive $10.00. I got upset! I didn't receive the first promotion and you want me to go for another promotion. Are they crazy?

Klarna Chatbot

Select below the topic you need help with! 👇
12:37 PM

Write what you need help with below, and a customer service agent will be with you as soon as they can.
Ouch, the chatbot is not feeling well today. 🤒
12:37 PM

IT SAID WHEN I SIGN UP I WILL RECEIVE A $5.00 AMAZON CARD
12:38 PM

Amberlynn has joined the conversation
Amberlynn

Thanks for contacting Klarna, my name is Amber. You should receive the giftcard with 1-2 business days after signing up.
12:41 PM

i was just checking to make sure that my account was coded with the promotion
i it on the account
12:44 PM

Amberlynn

Yes it is all set. So you should receive a promo code for the card today or tomorrow.
12:45 PM

thanks, have a nice day
12:45 PM

Amberlynn

Thank you, you as well!
12:46 PM

The conversation ended due to inactivity
Amberlynn

How would you rate your interaction with Amberlynn?

12:51 PM

Today
Klarna Chatbot

Select below the topic you need help with! 👇
10:36 AM

Chat with an agent
10:36 AM

Klarna Chatbot

Ok! Describe what you need help with below, and a Customer Service agent will be with you as soon as they can. 👨‍💻
10:36 AM

I signed up a few days ago and was told that i would get the $5.00 signing up promotion. yesterday i got another promotion for my first purchase of $10.00.
I did not get the first promotion and yet they sent me another promotion
10:38 AM

Nafis has joined the conversation
Nafis

Hello! Welcome to Klarna, This is Nafis, I will be assisting you today.
You didn't receive the $5 promotion?
10:55 AM

no, only another promotion for $10.00 when i make my first order
10:56 AM

Nafis

You've received $10 but not $5. Correct?
10:57 AM

incorrect! Ireceived another email, reading that when i make my first purchase, i would receive $10.00
10:58 AM

Nafis

Okay!
Give me couple of minutes, I will look into it.
If you haven't receive the promo code yet then you'll receive it soon.
Please allow sometime.
11:03 AM

it read when I signed up, then i emailed customer support in this support and if you look, it reads 1 to 2 days
11:04 AM

Nafis

Yes, the email is sent out within 1-2 business days.
11:04 AM

that time has already "past"
but yet you state s"sometime"
sometime could be whenever or never
11:06 AM

Nafis

You'll definitely receive the promo code. There are few customers who haven't receive it and our team is working on it. Please allow sometime.
11:07 AM

I did a survey approx. 15 years when i first signed up for ebay, and today I'm still waiting for the $10.00
11:08 AM

Nafis

Does your email match with T-mobile account?
11:08 AM

How long is sometime, I'm really don't know that term.
I'm getting all of your emails, yes
11:09 AM

Nafis

Our team is working on it.
11:13 AM

do you know how much longer it would take
11:13 AM

Nafis

I will suggest you to wait its being processed.
11:13 AM

do you know how much longer it would take
11:14 AM

Very poor service. Bought some merchandise in July and after 3 failed attempts at paying via both the desktop site and app I gave up as I could no longer select a payment option (payment in progress). Trying to contact support is impossible. Only a chatbot and every time I tried to open a support issue, no customer service assistants were available. Eventually I received a final demand and tried again to pay. This time it went through. I would not recommend this service at all. Zero customer support.

We made a purchase from Saatva which we financed through Klarna, six months same-as-cash. Well, interestingly, Klarna allows you to set up AutoPay for the minimum payment on the due date... but does not allow you to schedule other payments.

You get a screen to choose the amount to pay. I picked the payoff amount, which was due in 10 days. You hit OK.

You do not get a confirmation screen (e.g. here's a summary, is this what you meant to do?), which... is standard on every other credit card or loan site in the known universe.

You do not get an option to choose the date (e.g. did you want to pay today, on the due date, or some other date?), which is also something I haven't seen in probably the last ten years.

Customer service claims to be located in Canada, but with names like "Ajinkya," "Javier," "Mehul," and "Chiamaka," I beg leave to doubt. (Not to say that everyone in Canada is born Canadian, but four-for-four folks whose first language was clearly not English or French seems... statistically unlikely.) Companies doing business in the United States with call centers in other countries are required by law to provide a native English speaker in the United States upon request.

Klarna does not do this. After Ajinkya, who spoke with me through chat and was unhelpful to the point I thought she might have been a chatbot, I called customer service. I was concerned about the language barrier when I reached Javier, due to the urgency and complexity of my problem (a $4000+ payment hitting my bank account before my check cleared, due to the lack of ability to choose a payment date and the absence of a confirmation screen). I requested a US customer service representative. Javier claimed that there was no US call center (illegal) and he had no manager (mmhmsure). He repeatedly accused me of choosing the wrong payment AMOUNT, which was not at all my problem; yelled at me when I had a panic attack due to his combativeness; and implied that I am a RACIST for wanting to address this without a language barrier - which I guess he thought excused his combative attitude and his ableism.

It's a two-star review, not a one-star, because out of the four CSRs I had contact with, Mehul was pleasant and actually tried to help. There was nothing they could do, due to Klarna's "policy" of not making refunds or delaying payments or otherwise helping customers in any way. She gave me a date and time that my payment would be processed (tomorrow midday) and escalated it to another department.

Accounting is apparently in an English-speaking country, and "Savannah" sent me a chat to tell me there was nothing they could do either. Klarna doesn't send emails to let you know someone has sent you a message! So helpful! But Savannah also, apparently, changed my processing date, because it hit my bank first thing this morning.

I contacted my bank (credit union, this is why you should use credit unions, folks) and they were kind enough to reverse the overdraft fees pending my check clearing. Otherwise Klarna would have cost me a ridiculous amount of money in fees, in addition to the time, energy, and work product they have cost me, and the stress they have caused.

In other words, an absolutely disgusting, predatory company, with no sense of responsibility and no intention of providing a usable website or indeed any sort of quality service to their customers.

Based on reviews in the App store and several other sites, I honestly wonder if anyone is getting ghost cards anymore. Same as sooooo many others have said.... I successfully paid off my prior Klarna purchases early and am not being denied ghost cards. This makes absolutely no sense at all. You can't speak to anyone. You just get generic responses from a chatbot. Frustrating experience to say the least.

Third time I have used Klarna, but deffo the last. First one was over 3 months and second was if I remember correctly pay in a month. Tried to purchase a mattress from Emma Mattresses early hours of today. Decided to use Klarna and applied for 12 month 0% payback. Was pleased to be initially accepted. Signed online documents and was then asked for I.D. A deposit was taken before I.D. was requested. Very limited I.D. options. I haven't driven for 10 years so don't have a Driving licence. My Passport is out of date and haven't renewed it. So used only other option which is my work I.D. card (I am a Civil Servant). Thought was worth a try. Well it was rejected and my application refused. Given option to resend I.D. but nothing else would be accepted. Their website is terrible to navigate and there is no live chat just a 'chatbot'. Rang their helpline. Should be called their nowaywecantryandgetyourapplicationbeauthorisedline. They should not be taking a deposit and then requesting I.D. afterwards. Told I will have to wait for deposit to bounce back. They get interest while it's with them. Not a lot I know, but how many deposits are they holding. I recently purchased from DFS and was given a further large amount pre approved. I hope this does not affect my credit score. I have never been turned down before.

UPDATE 1PM.
Firstly thanks to Klarna Rep for getting back to me. I do appreciate this although I may be in minority but I don't use Facebook, Twitter or any other Social Communication platform apart from watching YouTube (I don't upload anything).

After posting yesterday some hours later I received notification that my application had been approved. Was unsure about this so contacted Klarna via an email address I found after a long search. Klarna has recently been in touch saying my application is definitely approved. I am pleased and relieved. Thanks to those who sorted this. Reassured that credit score not negatively affected. I have increased rating to 4. If I do use Klarna in future and have no problems like this, they may just get a 5. Klarna I hope you can understand why I was frustrated.

UPDATE 2 1.30am 5 Dec

Just got message in German from EMMA saying things not right. Helpline couldn't help. Emailed Emma UK. Losing hope. So frustrated. Rating may drop. Let's see.

OK what is with you Klarna - I've paid for any purchases well within date and on trying a wee £20 purchase the other night was declined - and declined too quickly I may add - I had literally pressed the Purchase button when immediately I was informed I had been declined and trying to speak with someone - is it a person or a chatbot????? Really not sure about you lot - time to come out with a wee bit of honesty

Very prompt and courteous. I had a chatbot for brief moment. Then customer service person helped me. She was totally awsome!!!

I bought Spurs tickets last year using Klarna ($700) and had no issues, everything was great. I now want to create a ghost card (for $170) and it won’t allow me to.
I called customer service, but of course no humans are available.
I used the chat feature, and the “chatbot” tells me the decision to decline the card is ‘automated’ and nothing can be done. BS.

I used klarna as a customer and I find it horribly intransparent. I did NOT conciously choose for the option to pay monthly instalments (because I like to pay my bills directly and do not want to have to keep track on open bills).
When you miss paying a bill right on time, you have a fee imediatly on it - ok, that is nothing special. BUT when they send you a mail for monthly payment (instalments) - they don't tell you for which order, nor that the total amount you need to pay to klarna. This is confusing and gives the impression that it is not really trustworthy. Especially when you have to pay some different orders with Klarna.
I missed paying a "monthly rate" because I didn't understand what I should actually pay for. I found it really difficult to find there phone numer on the website (thought there is none) and they have no email address. They offer you to chat with a useless chatbot, which is a real waste of time and nerves.
When I finally decided to pay the amount of 4,05€ whatsoever, that klarna charged me on my monthly bill, no matter what for - I also went to the Website to check my account. There it said 4,09€ total have to be paid, so I transfered an extra amount of 4 Eurocents - thinking I was finally done with klarna. That was 05/30.
View days later I recieved a letter (dated 05/29), that my account was shot and they will collect the bill (through a collection company), when I don't pay an amount of 6,50€ till 06/06. As I had already checked my account on 05/30, I took this for an mistake.
But for the amount of 2,41€ THAT I COULDN'T SEE on my klarna account BY THE TIME THEY ASKED FOR IT, I will have to pay extra costs according to collection company.
So I guess this is paying for a lesson - to avois klarna at any costs for the future.
Which is my advice to you dear reader...