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

CFPB complaint data Grade F 475 complaints

Klarna AB - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade F.

Complaints by issue type

What consumers report about Klarna AB

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #510

  • VOL 475
  • GRADE F
  • 12MO 310
  • STATES 41
  • TIMELY 91%
  • ISSUE Attempts to collect debt n…
  • RANK #284
  • COMPOSE #510

Volume peers

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

Duncan Solutions, lnc.Duncan Solutions, lnc.473Shepherd Outsourcing, LLCShepherd Outsourcing, LLC475Klarna AB (this)Klarna AB (this)475Pentagon Federal Credit UnionPentagon Federal Credit Union476ATG Credit, LLCATG Credit, LLC478
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 →

How the 475 complaints break down

Every complaint issue type on record for Klarna AB, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
44.0/100
Klarna AB

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
475
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#284 volume
#510 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Klarna AB a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Klarna AB vs. 8 similar-volume peers, by response speed and dispute rate PENTAGON FEDERAL CREDIT UNIONDuncan Solutions, lnc.ATG Credit, LLCMerchants and Medical Credit Corporation, Inc.ARS National Services, Inc.Frontline Asset Strategies, LLCCredit Card Receivables Fund IncorporatedHillcrest Davidson & Associates
Source: CFPB Consumer Complaint Database

Klarna AB's complaint volume in context

Klarna AB vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

475 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Klarna AB 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Klarna AB

Across 41 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.