First, dispute the item directly with Klarna in writing through the app or by calling (888) 518-2771 and request that the reporting be reviewed. Keep copies of all correspondence. If Klarna does not correct the report, you may file a dispute with the credit bureau (Experian, Equifax, or TransUnion) under the Fair Credit Reporting Act. If the inaccuracy persists, you may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or consult a consumer protection attorney.
Klarna
Klarna is a fintech company and licensed bank founded in 2005 in Sweden and now headquartered in London as Klarna Group plc. It listed on the New York Stock Exchange in September 2025 under the ticker KLAR. As of December 31, 2025, Klarna serves about 118 million active consumers and roughly 960,000 merchants across 26 countries. It is best known in the U.S. for its buy now, pay later (BNPL) installment plans and offers digital banking products, a debit card issued by WebBank, and shopping tools through the Klarna app. Its main U.S. subsidiary is Klarna Inc., based in Columbus, Ohio.
Telephone
Customer service : (888) 518-2771
What you need to know about Klarna
The company responds to most customer complaints in a satisfactory manner.
- Klarna’s customer service response times can vary depending on the method of contact, the volume of inquiries, and the nature of the issue.
- You can resolve a problem with Klarna with our insider guide or through its executive contacts.
- Here are our frequently asked questions about Klarna.
How to resolve a problem with Klarna
Try self-service first
Use our proven resolution methods, or Klarna’s self-service links below.
Contact an executive
Start with the primary contact below, then escalate step by step if needed.
Get free advocacy help
Contact Elliott Advocacy for free mediation of unresolved complaints.
Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting a manager.
We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.
How fast does Klarna respond?
Phone support
usually under 5 minutes. Availability: 24 hours a day, 7 days a week.Phone support — corporate office (Klarna Inc., Columbus, Ohio): (888) 518-2771. Availability: Monday through Friday, 8 a.m. to 6 p.m. eastern time.
Email support
Klarna does not provide email support.
Live chat
under 5 minutes typical (AI assistant available immediately; human agents available 24/7). Availability: 24/7 via the Klarna app or klarna.com/us/customer-service.Availability: 24 hours a day, 7 days a week, via the Klarna app or website.
Social media
Klarna is active on social media platforms such as X, Instagram, Facebook, LinkedIn, and TikTok. Response times can range from a few hours to several business days depending on the platform and the inquiry's complexity.
Help center/FAQ
Klarna's help center/FAQ provides quick answers to common questions regarding payments, orders, returns, account management, the Klarna Card, and financing products
Verified contacts
Klarna customer service executives
Maintained by Elliott Advocacy and updated regularly. Here’s how we do it →
Secondary
Camilla Giesecke
Chief Operating Officer
Co-founder and Chief Executive Officer
Co-founder and Chief Executive Officer
Additional contacts
Niclas Neglén
Chief Financial Officer
Klarna self-service links
On the website, navigate to "Log In" and click on "Account Dashboard" to manage personal details, payments, orders and account settings.
Klarna customer service policies
Klarna's privacy policy (v9.1.0, published September 26, 2025) describes how Klarna Inc. collects, uses, stores, shares, and protects personal information when consumers use Klarna's products and services, including Klarna Payments, the mobile app, and klarna.com/us. It covers data use for transaction processing, fraud prevention, and personalized shopping features. California residents are directed to an additional California Privacy Rights Notice. By accessing or using Klarna services, consumers accept the policy.
Klarna loyalty program
Klarna offers a tiered membership program — Klarna memberships — available to U.S. consumers who hold the Klarna Card (issued by WebBank). Benefits vary by tier and may include cashback, waived service fees, exclusive merchant deals, lifestyle subscriptions, travel insurance, and airport lounge access. Members can also convert cashback to points with participating travel and hotel partners. The program does not require users to take on credit or meet a spending threshold to enroll.
Frequently asked questions about Klarna
When a merchant processes a return, it can take up to 14 days for the refund to appear in your Klarna account. If the refund does not appear after that period, report the issue through the Klarna app under the relevant purchase and select "Report a problem." Klarna may pause your payment while the dispute is reviewed. If the issue is not resolved, you can escalate by contacting Klarna's customer service at (888) 518-2771 or filing a complaint at klarna.com/us/feedback-and-complaints.
Autopay failures have been a recurring complaint. If autopay did not process as expected, contact Klarna through the app's chat or call (888) 518-2771 and explain that autopay was set up at the time of the missed payment. Klarna has waived late fees in documented cases where the failure was on its end. Keep records of your autopay enrollment confirmation as supporting documentation.
Klarna routes most initial contacts through an AI assistant. To reach a human agent, initiate a chat in the Klarna app or at klarna.com/us/customer-service and type a phrase such as "speak to an agent" or "connect to a person." Alternatively, call (888) 518-2771 Monday through Friday from 8 a.m. to 6 p.m. eastern time. Note that Klarna has heavily integrated AI into its support, and live agent availability may vary depending on call volume.
If a merchant is unresponsive to a return or refund request, report the issue directly in the Klarna app on the purchase detail page. Klarna's buyer protection policy may cover non-delivery, incorrect items, or unacknowledged returns under certain conditions — see Klarna's buyer protection policy for eligibility criteria. If Klarna's resolution is unsatisfactory, you may file a complaint through klarna.com/us/feedback-and-complaints or with your state's financial regulator.
Klarna's pay-in-4 installment option typically involves only a soft credit inquiry, which does not affect your credit score. However, Klarna's longer-term financing products may involve a hard inquiry. Additionally, missed or late payments on Klarna accounts may be reported to credit bureaus and can negatively affect your credit score. Review the terms for the specific Klarna product you use at klarna.com/us/legal for details on credit reporting practices.
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Disclaimer: Contact information is believed reliable but not guaranteed. Executives change contact details frequently. If an email bounces or a number is wrong, report it immediately. Published January 5, 2026. Updated May 16, 2026.