What is the most common complaint against Klarna AB?

The most common issue consumers report about Klarna AB is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 475 complaints filed with the CFPB.

Are complaints against Klarna AB increasing or decreasing?

Complaints against Klarna AB are rising. The company received 310 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Klarna AB's reputation grade?

Klarna AB has a reputation grade of F (score: 44.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Klarna AB respond to consumer complaints?

Klarna AB has a 91% timely response rate to CFPB complaints.

In how many states does Klarna AB operate?

Klarna AB has received CFPB complaints from consumers in 41 states, with the most complaints from California (55 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Klarna AB - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

258
Took or threatened to take negative or legal action

93
False statements or representation

43
Written notification about debt

36
Electronic communications

24
Communication tactics

14

Data updated September 2026

CFPB complaint disposition

CCDB record klarna-ab Klarna AB

Grade F · 475 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #284 · compose #4778

VOL 475
GRADE F
12MO 310
STATES 41
TIMELY 91%
ISSUE Attempts to collect debt n…
RANK #284
COMPOSE #4,778

Volume peers

Nearest volume peer: Shepherd Outsourcing, LLC (475 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Klarna AB's 475 CFPB complaints sit next to Shepherd Outsourcing, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Klarna AB spreads filings across 41 states - California leads at only 11.6%

Despite a broad state map, Klarna AB still sits volume #284 against composite #4,778 - the two RankMaps diverge by 4,494 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 11.6% across 41 states
Even monthly load: Peak under 8%; Highest month 2026-02 at 7.1% (104 filings)
Divergent corpus ranks: #284 volume; #4,778 composite; Cleanest-composite ladder is 4,494 places worse than volume

How does Klarna AB compare to its peers?

How does Klarna AB compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Klarna AB National average

Complaints (last 12 mo)lower is better

310

271

268

Timely-response ratehigher is better

91%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	258
Took or threatened to take negative or legal action	93
False statements or representation	43
Written notification about debt	36
Electronic communications	24
Communication tactics	14
Threatened to contact someone or share information improperly	7

Where do complaints against Klarna AB come from?

Klarna AB's own per-state count, not a national baseline.

California

55
Texas

43
Florida

32
Georgia

32
New York

28
North Carolina

21
Pennsylvania

19
South Carolina

17

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Klarna AB: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 475.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 90.9090909090909%.

4 peers

Know your rights before responding to Klarna AB: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.