Klarna: Smarter Everyday Money Customer Service

Klarna: Smarter everyday money Positive Reviews

Has been good in the past, but lately not.Just as many others have stated, their experiences and mine were ok in the past but lately, even though my purchase power has increased and my credit score Etc., I am not being approved even for the smallest purchases and their customer service can never give you a solid reason. It can be frustrating and time confusing to shop and make a list, then get declined and not get a reason why. Customer service will always say it's system generated and they cannot give a specific reason and there's nothing they can do. I may as well use Affirm or Quadpay because Last month and now this month, I'm simply wasting my time with Klarna and I'm not getting a reason why. My account limit has increased significantly, but I can never get approved even with the smallest, minimum purchase. They just are not worth it anymore, due to having to shop first, prepare a list of items, only to be declined and not being able to know up front. It's basically misleading to state that I'm up to date "great," increase my spending limit, then decline me at the end of preparing my shopping list. No longer worth going through all that, just to be declined and not given a reason..A. Scott C.Version: 22.43.235

Waste of timeThis would be a cool app if it would actually work. When it does work, it’s awesome, I’m able to make larger purchases and either pay every two weeks or spread the payments out over 6 months. Here’s the issue, the app will work seamlessly then out of nowhere it won’t. I will attempt to make a purchase and initially I’m told I’m approved, I agree to the terms and go to the next step where my ghost card should be created but then it isn’t. I get this weird message telling me that my identity cannot be verified, so I answer the security questions, receive confirmation that my identity has been verified just for the system to do it again and ultimately deny my purchase. This only happens with the 6 monthly payment option. Then for some reason, a lot of merchants have stopped accepting Klarna ghost cards. Two merchants in a row declined my purchase because I was attempting to make the purchase via Klarna, super weird. I would love for their app and system to be updated to prevent these types of scenarios from happening going forward. I understand that they cannot intervene and make companies accept their payment, but the issues with ghost card inconsistently working is ridiculous. I have Afterpay and have never had any issues. They let you know up front how much you’re eligible to spend and you’re easily able to make purchases as long as you stay within your limit..KarahstarrVersion: 21.24.180

Switched from AfterPay to thisI was using Afterpay for everything for a very long time because since I built an amazing history with them paying on time they gave me the option to pay nothing upfront and my spending credit was over 2,000. However I had to go out of town recently and my bank thought the charges on my card were fraud. So my bank put a 24 hour hold on my credit card and one of my payments with afterpay did not go through. I did pay it the very next day and I have never missed a payment in my life and I tried explaining the situation to them however they did not care and they brought my spending credit down to zero because of that. During that time I also missed a payment with Klarna and after I explain the same situation to them they were very understanding and gave me an additional 48 hours to make my payment with no penalties. I cannot begin to explain how grateful I am for that. I do wish that Klarna gave you the option to pay nothing upfront and make your first payment two weeks afterwards like afterpay however I will never use Afterpay again. I will always always only use klarna from now on..SMiller1263Version: 21.38.173

THEY WILL PUT YOU IN DEBT (took $10k from me)Hi! this app is definitely wonderful, however, don’t let those google fools fool you when they say klarna will not affect your credit or put you in debt. this is false information that will actually definitely kill your vibe with this app. long, long story short: i went through an unforeseen patch in my life where i went from financially stable and happy years to broke in like a couple of days span. at that time, i had some payments with klarna that i had to settle. i owed them around $50, and they did have a really kind grace period, HOWEVER, they ended up sending me an email saying debt collectors would get involved in 24 hours if I did not pay my debt to them (this was a week before my grace period time was up, so i was upset about that). as said, i was in a really bad time financially, so i couldn’t pay. i’m young and assumed they would only take what was needed (the money i owed them), but they took $10,000 out of my account. i managed to get the $10k off my account, but it tanked my credit. i was able to file for bankruptcy and have my friend take the debt off my credit however, so no harsh complaints from me. THE ONLYYYY problem I have is the fact that they didn’t follow through with the max time for their grace period..Peachy LaylaVersion: 22.43.235

No longer working!I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it..J.Alv11Version: 20.8.59

It WAS a great app NOW not so much!I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay..DaveisaFraudVersion: 19.42.42

Happy and satisfied customerAs a single man who never really had to shop before not only have you made it super easy you have made it so convenient. You have provided me with so many options and so many different companies. I was forced into retirement at 53, do to lifelong illness, muscular dystrophy although I worked as a master mechanic 43 years 20 plus years I owned and operated my own shops. Married at 18 years old I thought we where truly sole mates till at 53 and paralyzed from waist down the only women I ever been with and treated like a Queen said and I quote since I can’t work she would be better off if I was dead and gone. Well I’m not dead but I gave her what she wanted im gone. Leaving with only the close on my back I gave her everything. Now you know why I think so highly of this company. In the last 4 months I purchased a whole house full of furniture and everything you need to go with it. Also a new house Harley Davidson a horse and anything else I want. Once very hurt and broken hearted now one happy go lucky bachelor with everything I need 90% purchased and payed in full because of buy now pay later. Thank you one totally happy customer.Greece pitVersion: 22.23.182

Was great not anymoreI’ve been using the service for a while now. I make purchases between pay periods and then I usually pay it off right away. The last purchase that I made went through as normal. However, for some reason, it selected auto pay and I never do auto pay with any company because that’s too much access to my account and the things in the economy being the way that they are. I don’t trust anyone to automatically help themselves to my account as I always pay what I’m supposed to pay. This weekend I happen to go ahead and just look and see what my balances are so that I can start making preparations to pay. Lol and behold one of my purchases is on auto pay and I didn’t select that. I reached out to customer service and they’re saying that there’s no way that I can cancel auto pay. Great job Klarna after I make my payments on the last items that I have I’m switching to Affirm and I won’t be using your service any longer. Great job on the continued greed of your company. It’s supposed to help people along, not put them in a situation where they’re forced to have you decide that you don’t want to turn off auto pay from a customer who’s never missed a payment and has paid off all of my previous installments. i’m done..TherealFB77Version: 24.44.315

Rewards & Minimum Amount of PurchasesI’ve been using Klarna for years and only god knows how many times I done used Klarna for past purchases! Used it countless things & countless times. Bills, clothes, grocery shopping, plane tickets, shoes, anything you can probably think of I did it! Klarna was in my Top 5 most used apps! However, recently things changed. I had rewards lined up and finally chose one that was expiring. I chose the reward to be a $5 Nike reward. Coming to find out, the reward isn’t a gift card anymore & I have to spend at least $20 for my order to use my reward. In the past, I could just my $5 reward anytime without extra stipulation. The minimum purchases I noticed changed too lately. It was previously at least $10 but now it’s $35+. I recently found out by wanting to get some slip resistant shoes from Walmart. I was completing the transaction creating my One Time card and then I seen the $35+ minimum purchase warning. I was shockingly disappointed/upset. I can’t even tell you how many transactions I overall had that was overall below $35. To be honest, I sometimes I would have the money for the full total but I would choose to use Klarna just because. I often just use Klarna and use the remaining money elsewhere if all that make sense.Kevinlevin2kVersion: 23.8.181

No approvalI’ve been reading some of these reviews of people having the same trouble, the same auto-generated denial of a purchase, the same frustration and the developers response is always the same.. “we don’t know why”. The reviews I’ve been reading are from June-august 2019, it is now April 2020 and still no updates to their system. And these reviews are right on par with what happens when you talk to customer service as well, There’s a number of factors that determine whatever etc etc. My purchase was for $89; $22 every two weeks, not accepted by klarna, talk to support, he essentially tells me to just keep trying because he can’t tell me at what price that I MIGHT get approved, or what exactly is going wrong on why I’m not being accepted, “you might be approved for a lower amount, or if I try again later” tried it again for a $50 purchase same website, no go. There are at least 3 other sites that offer what you do and its none of the hassle. Why is this still an issue!? And no I don’t need you to go over your approval process with your customer service I already did that. It’s stated above and you were not helpful!.IplayyoupayVersion: 20.15.76

I LOVE this appI use this for big purchases, and for sites like Etsy. It’s irritating when I buy one thing at a time, so I’ll pick a couple things and just pay it off over time. If you’re terrible at budgeting like me, it doesn’t make you wait until your due date to pay, you can pay right there and then. You can also extend your due date, I’ve never used this feature but I’m sure it comes in handy. With each purchase, your ‘purchase power’ goes up, it also increases every time you make a payment. If you stay on top of it, it’s a great tool. There are also a lot of stores you can use it at, but if it’s not on their list you can still use Klarna, like I bought a coat at L.L Bean but that’s not one of their partners. I was still able to do a one time purchase through them, you just search for it and then click ‘search on google’ and then hit pay and itll prompt you to create a one time card. Either way, there list is pretty extensive, I have yet to find a store that isn’t on their list so I’m not sure what some people are talking about when they say there’s only a ‘handful of stores’ you can use it at..Lindsay41190Version: 21.50.245

AMAZINGI’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗.SamasdfghjklVersion: 20.19.112

Amazing app!I absolutely LOVE!! This app. Aside from it being able to purchase from ANYWHERE I choose, the selection of retailers /boutiques/online stores etc is friggin huge. I do a lot of international purchasing since I purchase essentials for my business online, so it is a tad disappointing that I can’t buy fro certain international retailers. Like DHgate especially. Alibaba is great but the majority of items from them need to be purchased in massive quantities where as sites line DHgate allow you to choose the quantity you need, and I spend a lot** of money on that site so because Klarna doesn’t necessarily offer their services for that site(even though it’s on the authorized site list for purchases), I’m unable to use my benefits for something 100% necessary to my every day life/future. I’ve tried countless times to use it but the platform won’t accept the one time cards that the app creates. The other thing is the one time cards. THEY DO NOT ALWAYS WORK!!! IF THEY EVEN REALLY EVER WORK AT ALL. I’ve had ZERO luck with my OTCs. I love that i get to see exact numbers and details in regards to my purchases and purchase power!.Lm.laVersion: 22.44.251

It started out great, but something changed.I used this app quite a bit and I haven’t missed a payment and always paid on time. I’m not exactly sure what happened and it seemed to happen to others as well in the same exact way. I had built my credit history to $2600+ and only use about half that. One day, I notice my purchasing power dropped to $0. I talked to one customer service and she said that I was recalculated (which I wasn’t) and another one (about two weeks later) told me it’s based on the use. I explained to him to what I mentioned earlier and he said uninstall the app and re-install it and wait 24 hours. Now I got $25 in purchasing power. As far as I’m concerned, they can keep it, there are others like them. I signed up with zip pay and already got a decent purchasing power. After I finish paying off Klarna, I think we will part ways. Response to the developers: I guess that’s the Canned excuse to give all your loyal customers. Don’t worry, after I’m paid off, you don’t have worry about responsible lending practice with me, I’ll be doing businesses with your competitors..JumpinRynoVersion: 22.27.49

I love this app!This app is great for people that don’t have credit and are wanting for buy larger purchases by paying smaller payments at a time. There’s only 2 catches, which should be seen as a responsibility. For starters, you can’t just buy any item that you want and connect your bank account with no money in it. Your order will cancel if you cannot pay Klarna back and will limit your spendings or potentially enable you from buying anything at all. This is a trust app so don’t take that first time trust for granted. Secondly, you can’t start out making larger purchases that may be up to 100s of dollars. I started out using klarna for $20-$60 purchases and the more often that I used it, the larger my “purchase power” became. If you would like, there is an option to buy larger purchases and pay them off over time, but that first purchase is going to be more expensive than the rest. Personally, I like to build my trust and have the ability to make bigger purchases. Although, I always make sure that I am going to have the money for it at the time of automatic withdrawals..Hdunning22Version: 22.10.247

So convenientSo helpful to stay on top of all of my purchases and payments. I just bought a house so it’s also nice to not have all of my purchases for everything hit at the same time..JP321654Version: 22.6.198

Transition needed to refresh!When the app first transitioned it only showed 4 cards. I panicked with the thought of having to input all the others again. I then closed the app completely and opened it again. It took a few seconds to open but when it did the other cards appeared..Dr.khymVersion: 24.43.272

Needs more workI like the app as it has a lot to offer. It’s missing one thing that is really important to me. Having ng an app that can be used on my Apple Watch as as well. It is very useful to me and would make my shopping experience easier..Terpi1Version: 24.48.336

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 26.14.277

Klarna: Smarter everyday money Negative Reviews

Wrong directionI just received an email telling me my spending power has been reduced due to the lack of activity in the last 12 months. I find this interesting, as, instead of sending out a survey to understand why, or just read the commonality amongst the people in the reviews here, this is how Klarna chooses to go about it. Yet, like so many others have stated, having to “gamble” on if the purchase is going to go through or not is too much of a headache. And now, when my purchases are declined, I don’t even bother trying to reduce my cart, I just move to another service. A service in which I got long after Klarna, and have used far less, yet however has increased to 3x the amount of spending power I have now with Klarna. And honestly, if that service allowed purchases to be made anywhere, I would’ve been closed my Klarna account. And yes, I have read the Dev responses in here stating having to decide/limit the lending that can be offered. I find this as a poor response as I am sure that at the major growth of the company, there were so many of us spending, which of course resulted in the increased spending power we all have…. Or had. I think since the release of the Klarna card, which I do also have, there’s been too many (wrong) things put in place, or too many things that made Klarna awesome, taken away. If my assumption is correct, maybe rethink the card, Klarna. The service boomed before it. The people may be happier without it..ATX User-TVersion: 23.14.226

Not as great as it used to beThis app used to be amazing I had stopped using PayPal and switched to klarna for the rewards that you could get gift cards with. They no longer do gift cards and it’s just $5 off whatever store you pick that they offer which aren’t places I shop at like Burberry, Etsy, Nike, Ray ban with X amount of purchase. That’s not much of a reward versus just having the $5 off of whatever purchase I’m spending at. If I had Burberry money I wouldn’t be shopping with klarna. Along with that I don’t seem to get approved for the pay in six month period anymore even though my credit score has increased and I have never made a late payment with klarna and usually pay off my transactions early. Another thing is that I have had issues with returns when it comes to Walmart. I managed to get it fixed both times but it was a lot of back and forth to not get charged for an item I didn’t receive and that Walmart didn’t charge for because they didn’t have it in stock. Another bad experience was when I bought an iPad using klarna the place I bought it through said the card was declined but klarna was still asking for payments for my purchase even though the transaction never went through. I did manage to get that corrected but it’s besides the point. I’m definitely done using klarna and going back to PayPal they even offer there own rewards for using there thing now. Just sad klarna went downhill..Savvy805Version: 23.10.207

Identity Verification NightmareKlarna is awful. Both my husband and I have accounts with over $1,000 of purchase power and have both made successful purchases with Klarna and have since paid them in full. Randomly, I started getting denied due to "identity verification issues". After countless chats, emails and "corrections" I have been told by every rank of employee from basic customer service rep to supervisor that my case has been escalated several times. I have been told through many communication avenues that the issue has been corrected, but my attempted purchases are still declined to this day citing identity verification issues. My husband who has been successfully using Klarna for several months and has over $1,000 of spending power is now ALSO getting denied each time he attempts a purchases due to identity confirmation issues. Unfortunately, we are not the only ones who have run into this issue. There is an entire feed on Reddit with scores of users saying the same thing has happened to them and Klarna has never resolved the issue. Do yourself a favor and avoid using Klarna and stick to other more professional and reliable buy now, pay later apps like AfterPay and Affirm. A word of caution, if you do find yourself running into this issue with Klarna, don't bother wasting your time trying to get them to correct it. You'll go through a lot of hassle only to have them tell you they've fixed the issue and your account will work., but it never will..KcmounseyVersion: 23.22.211

Automated decisions don’t make senseLong story short, I’ve been using Klarna on and off for a while. It will give me a spending limit and then take it away. And then give me a spending limit and then take it away again. This time in particular I placed an order for around $35. When I got the items I didn’t really care for one of them so I refunded it by returning it. And I had already paid off whatever was left of my order so it was closed after I returned the item. Well, wouldn’t you know it, suddenly my spending power is gone. I reach out to customer service and they can explain why my spending power went down when I wasn’t late on my payments or anything like that. They told me it was an automated decision, and basically just apologize for any confusion or frustration. I’ve literally never had this issue with any of the other companies that I’ve used. And quite frankly, I’m tired of getting the same issues with Klarna over and over again. There was one time when they told me to increase my spending limit, I should place a low purchase order and pay that off on time. But how am I supposed to place an order with no spending limit? Couldn’t answer that question either. This is getting old. UPDATE: they responded to my review but still did not explain how my spending power COMPLETELY DECLINED just because I returned an order. All they do is talk in circles. Just use after pay, quad pay or Sezzle. I never have these issues with them..Lunar himeVersion: 23.17.170

So easy to get, but can’t get it!!Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!.Itsthe2tsVersion: 19.34.29

Stay away from KIARNAI have spend over $2000 using this app thru several online stores, until my real nightmare started trying to process a refund on an item that I never received from my merchant due to out stock. First of all, trying to navigate the app is super overwhelming and confusing with the amount of info and sales that want to push thru. Hoping to find a live person on the phone ? Good luck! That doesn’t exist in this company. You will have to stick to someone thru text messages and it seems that they are all programmed to answer with the same text line to conclude without any help and issues resolved at all. I have been trying to contact them to indicate that i shouldn’t be paying for an item that I have not received. And even tho the merchant already notified them about the verification of this transaction. They won’t take any action whatsoever, a month and 2 weeks has gone by and I still show an unpaid balance because of this matter. KIARNA sends me to the merchant and the merchant sends me to KIARNA. This is like a ping pong game, What a joke! I’m running out of resources trying to solve this ridiculous matter and I’m heavily thinking to pass it on to legal representation. Do yourself a favor and void stressful situations. I’m pretty sure your credit score is good enough that you don’t Need to be going thru this app to make a purchase . At the end this could affect your credit score seriously by a mishandle situation, like mine..PatriciagreencVersion: 23.39.222

Charged before processingI was happy to get approved for the installments and have tried another app called Affirm with no issues. I wanted to get an idea of what I would be paying and thought to go through with it. I ended up backing out of the offer from Klarna to try again when I got paid. I never checked out on the order with the Merchant. Again I’m used to Affirm where they don’t process the installments until you check out. I got a notification on my bank of suspicious activity and when I checked my account I saw that Klarna had charged me the first payment. I reached their customer service to ask if there was a way the order could be processed through the merchant since I had gotten charged anyway. They said they couldn’t and that I would be refunded, no biggie to me. I liked the customer service so far for informing me. I know they can’t make the world turn for me so I’m ok with getting back what was charged. What I don’t like is that Klarna charged me the first installment without me even checking out on the order. That’s the only issue I have and advise they get that updated for people like me that can be indecisive shoppers at times. Not even that it could be an issue where our battery dies or the page refreshes or we set down our phone for a bit and it times out. I’d really like to see the Klarna developers make that update happen to keep up with mishaps..Money Dee Mo DiVersion: 21.50.245

Was an awesome app in the pastI really enjoyed Klarna i have been using it for years and have done thousands of dollars with of business through them. I had a $1500 l purchasing power roughly. And was working to get it higher. Today, I had a frustrating change on the platform. I was making a purchase on the app and it asked to connect to my bank which it has never done. So I hit the back button on the app to see why. The app then crashed and kicked me out and said I was not approved. I went ahead and did it once more and was approved even thought I was not comfortable with adding my banking information. Come to find out my long time built purchasing power had gone to 0 in seconds. After chatting with customer service they said that the first purchase attempt that was incomplete counted as a decline which brought my purchasing power to 0 and they can not do anything about it since it is now automated. This is unfair and feels like all my purchasing power built over various was reset to 0 over an error beyond my control. I was told that they are unable to correct this even though I have never had an issue with repayment and have been or problems on the app. Sadly if issues like this are not fixed causing all purchasing power progress to be reset, I will just take my business to other platforms like Afterpay, Zelle, zip, PayPal and Affirm, or better yet, the Apple version of pay in form coming out soon..RepentandbelieveVersion: 22.49.221

Klarna stole my money !!I originally started using Klarna about a year and a half ago, I enjoyed making small purchases and paying them off in 4 installments with each pay period. I paid on time NEVER missed a payment ! My credit line was increased and I made the mistake of making two larger purchases that I later needed to return. I was sure to follow the instructions on returns carefully, unfortunately due to a glitch in Klarna's System with certain retailers i.e. Macy's the return was credited to the wrong account another purchase that I made and not applied to the Macy's order. I have sent them the return receipt along with the original receipt and no one in Klarna's back office has been able to resolve and close out this issue! I have not received a refund for the initial two payments that I made, Macy's has received The return goods and Klarna is still showing that I owe them almost $900. this issue has been escalated five times, I receive computer generated messages every two weeks asking for the same information that I have now sent six times. even the phone representatives have tried to help me - they xhale sent clear emails detailing what has happened and no one can seem to resolve this. I have used other apps and made returns seamlessly with Afterpay and Zip and I have never experienced such dysfunction. It is 6 months later and the order is still paused and no credits have been issued !! I regret EVER using this app !!.Kay_lb101Version: 22.49.221

Use at your own risk, don’t expect help from themHonestly hands down worst experience ever. I’ve used the app before and thought it was okay, but that was until I experienced an issue trying to order a refrigerator from Home Depot and Whirlpool never received my order so they never shipped it. I’ve been without a fridge for over a month at this point. My issue with Klarna came into play with their terrible customer service. Their only solution is that I had to get in contact with the merchant (which I already did) to have a refund placed for me ( which HD was struggling to do for the last 3 weeks) and instead of Klarna being helpful or understanding to my money being tied up in a refrigerator order never recieved that should of been an easy refund, Klarna exact words are “I can stop the payments until you reach out to the merchant. Us stopping the payment will give you the chance to resolve with them before we continue to process your payments. But we do not reach out to the vendors for anything at all, it’ll go in their queue and if they don’t respond we’ll resume your payments”. All in all telling me I pretty much just have to take it if Home Depot doesn’t see the message Klarna sends to their queue . Absolute worst customer service hands down. And the automated machine TRIES to not allow you through to a representative every way possible. Absolutely horrible. AND I’m still waiting on a refund weeks later !!.Vic1112233444566Version: 22.15.282

Great For A BitLet me just say that I used to LOVE Klarna. Just like some of the comments on here are similar to this so heed the warnings. At first it’s all great. I always payed either on time or before. I did not once have a late payment or even pushed back a payment by any means. However, they approved me to spend a certain amount, and over time, that amount changed (sometimes day after day) dramatically. We’re talking 1,800 to 200 to 600 to 200 etc. When you read their reasons, it says it’s based on payment history and outstanding balances. However, I can tell you from experience that is not the case. It’s always a surprise and I got tired of it. AfterPay is a lot more stable and I have never had an issue like this with them. It’s embarrassing to get a declined payment and have to switch to a regular credit or debit card. I honestly really liked the service at first and dividing payments into 4 made purchases much more palatable. However, I got tired of the inconsistency and when talking to customer service the response I got was: “it’s an automated system that NO ONE can override.” I was using Klarna primarily and AfterPay at places where Klarna wasn’t accepted. However, they did it again and when reaching out got the same copy-pasted response. So I’m closing my account and asking them to send me in writing that they will respect my wishes not to sell any of my information. AfterPay from now on I guess..MlprkrVersion: 22.31.192

Don’t bother wasting your time!Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!.Temptation_briVersion: 19.45.53

Terrible customer service!Company had a data breach back in March of 2021. When you logged in with your password and email, another persons account would open with their order details, card information, shipping address and a lot information. In August, I noticed an issue with my account when I was not able to make a purchase. The app told me that I have payments on another account. I only have 1 Klarna account so I thought that was strange. I chatted with an agent and she told me that because someone had my same name and birthday that the system thought it was my account. She escalates my case to a specialist. A MONTH goes by and I have not received any kind of notification so I reach out to them. A different agent gave me a lot of information stating that a women in California* I live across the country* (he gave me her address, phone number and name) was using my account and that she had multiple purchases that were not paid for. Since then I have spoken with about 8 different people and no one has been able to delete me my account or fix my issue. I have been dealing with this issue since August 2021, it is now December and no one has responded to any of my escalated cases. In addition to all of this my bank account was hacked. I spoke with customer service and again they stated that I needed to wait for a specialist to reach out to me. No one has been able to help! Don’t use this app!.KDavis34Version: 21.46.88

Better options out there.Do not use Klarna. I purchased concert tickets through them and the concert has since been cancelled. Refund was done 5 days ago and I randomly got 2 much smaller amounts instead of the full refund so I reached out. First agent told me that it would go towards my Klarna balance and I’d have to request a refund. I said there’s nowhere in my account a balance shows how do I request a refund? They didn’t give me an answer said they were sending it to a specialist time and I’d hear back in 1-2 days. I still haven’t heard from them. So I reached out again yesterday and got a response that they had long hold times but someone would be with me soon. That was fine I just left the chat up and kept working but no one ever came. The chat is still waiting for a response 24 hours later but I contacted again not through my purchase and finally got a response. Now all of a sudden the rest of the refund is processing and I’ll have it in 5-7 business days. Why didn’t they just send the refund all at once? It didn’t take 5-7 business days for the random smaller amounts so why didn’t they just process the full refund? Also more than 24 hours with no response from customer service is unacceptable. I can understand being busy but 24 hours is ridiculous. I wouldn’t recommend using Klarna. Plenty of other options to split up payments which would be much better. 👎🏻.Jenanderson07Version: 21.34.138

Beware! Customer Service is Awful!I have been a Klarna customer since 2022 without issue until I received a late payment notice this month. I reviewed my account statement on the app and can see that for whatever reason, my autopay is still the correct date but the payment isn’t posting until a week later which is not due to my bank. A late fee was charged to my account. I called customer service and the guy accused me of being “confused” and told me not to worry about it because he couldn’t see it on his end. It took a half hour of waiting on hold to get that answer. I told him I literally am looking at the late fee charge on my account summary. He said he was unable to help me with that and asked me to send screenshots to a chat assistant. So I restarted the whole process with a chat assistant. Wasted another 40 minutes just to get the underwhelming answer of late fees are automated and I cannot remove it. Again, the chat agent accused me of being “confused” about the fees. Now, I am waiting for them to file a query on this issue. Any other company would have been able to deal with this quickly and effectively. I feel like I am getting the run around and they are trying to fraud me out of money with late fees despite my autopay date never changing!! I will never be using Klarna again and I strongly recommend you consider another more competent and reliable financing option..Kmctighe17Version: 24.45.275

FutileKlarna is another fintech fail led by young yt guy. Customer service is non existent. I mean so non existent that I was on hold in the chat forA VERY LONG TIME to be connected with a supervisor. How long exactly? Put on chat hold 12pm Friday and it’s now Monday morning with no supervisor in sigh. I tried asking for help repeatedly in that time frame in the chat and got nothing. Second off I recommend the younger folks trying this out to research how credit cards got started and why they are so popular with banks and profitable (hint: they prey on all of us to make it easy to spend money we don’t have and in return spend months paying back with interest - insanely high interest). Klarna is srsly sinister. It’s clear this app is designed for ppl who can’t afford expensive items but will literally go into a payment plan to buy them instead of traditional credit card where interest accumulates immediately. Tips: ~test out a few low cost items to decide for yourself if this works. Do this over multiple orders (at least 3 different orders) ~DO NOT pay with any sort of klarna gift card or anything that would make returns difficult or tie you into klarna further ~ instead of paying this app each week for installments- save up that money for each week you would already be paying klarna and purchase your item with money in the bank. If you can’t save money like that then you need financial counseling..Mel3567392Version: 21.40.171

Beware!!!Coach stores Klarna return process is the worst ever. I returned my items at the Coach store in Los Angeles. I was told returns are accepted in store. Well returns are not actually accepted in store. What they do is, put it in a ups shipping bag and give you the tracking number and tell you that Klarna returns are not “processed in store” we ship it for you and it’s ground shipping so it takes 5-10 business days to arrive at the warehouse. My return arrived at the warehouse exactly a week later and was told that my return would be processed within 5-9 business days. Well it’s now 1 week later which is two weeks from the day I made my return at the coach store. And my return has finally only been acknowledged as received by coach today. And now they will process the refund within up to 9 days. WTH!!! And of course once it’s processed it then takes another 3-5 business days for the money to be received by Klarna. And then another 3-5 business days for Klarna to process the refund and another 3-5 business days for my money to actually be received into my bank account. So if you have been keeping count of total time it will take to receive my refund from the day I returned the items directly to the store in person. It’s drumroll…….. 6 weeks and I’m on week 2 as of today. Again, do not make a purchase through Klarna if there is a slight chance that the items you buy will have to be returned!!!.Lboogy96Version: 22.31.192

DisappointedHonestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed..Destiny 😋Version: 19.41.44

SCAMThis company and app are one massive SCAM. I’ve wasted hours upon hours every week for months because they charged me for orders that were cancelled either because THEIR card expired before it was processed or it was just plain cancelled within seconds of placing the order because it was wrong. They will NOT actually review anything unless you give them each and every item they asked for. If they reply at all it’s usually the day the case expires or they just ask for the same information over and over again when you give it to them and pretend they never got anything. KLARNA IS A SCAM! Surely what they’re doing is illegal. Seriously this company hires customer service through those scam companies overseas that entire business is to scam people. I’ve gotten so many pieces of evidence of hundreds or dollars that they charged me for orders that never arrived. Stay far far away from this company. Afterpay or PayPal ONLY because they actually review cases and don’t scam people out of hundreds of dollars. I will be dedicating as much time I can possibly spend on warning every single person I can. After months of issues, I had to report them as fraudulent. I really hope enough cases are put together that this company is investigated and ultimately ruined because they are the absolute worst. Do yourself a favor and delete the app, block the app, warn everyone you know that this company is a scam!.MJandtVersion: 24.13.373

BlockedI have used Klarna for several years. I never had any issues, then one day I wasn’t able to make any payments of any kind. I was prevented from making early payments. The app had blocked me from logging in on any other devices meaning lab top, iPad, other cell phones. When I say I was blocked they even blocked my email. I called and called and called them. They blocked every card I had. I still had payments to make and it would not except my card autopay they would kick the payments back. I called my bank and my credit card company. They were kicking back all and any payments. Now I had been trying for weeks at this point. I was finally able to make a payment so one I seen I could make a payment on 1 of my items I said I’ll pay if off it, oh the relief it went through. Then I tried to pay off the on that had $60 left. Nope now I was blocked completely I wasn’t allowed to even open the app at all I mean not at at all. They put me in 2 step log in then blocked my phone and email. I was prevented from even seeing the app. I’m still not on the app I can’t pay the $60 & they don’t except money orders.(the employees don’t know what a money order is) they keep asking me for my bank account number & routing number. Nope I didn’t start with that and I’m not giving it. As soon as I get this resolved I promise you I’ll NEVER NEVER NEVER USE THEM AGAIN (BLOCKED & CONFUSED).ZzzBLOCKEDVersion: 23.43.298

The best (updated)There are so many apps like this but none actually cover as many stores as Klarna nor do they make it as easy!! You can use it in store or online or through the app or even just through the regular site. It is a win win!!! Ok I have been using this app for a couple years now at this point. The way they do purchase is crazy. They check your credit constantly as I was just emailed about. They change all the time for no reason your purchase power and email you ridiculous things. I have purchase power and tried to make a purchase but can’t because they have certain cards they work with now although I’ve used these cards before several times. I was then emailed that I was denied because of my credit but keep in mind I have a purchase power and the message that prompted on the screen was about the card I tried to use. They basically said in the email they check my credit with each use and that is how they determine if we can use the app. I don’t recall them telling me that every single purchase required them to check my credit or my bank account. I have decided to leave them and continue with Afterpay where I have no problems. Also there is no way to customer service without an open order…who in the world thought this was a brilliant idea..Queshell87Version: 22.38.246

Terrible customer service awful company scamNeeded to change my name on my account because my husband and I created it to use together so it was his name on the account but all of my information. We wanted to just have it under my name. Looked online and the faq said you can change your name by giving them your Id. Chatted with an agent who did not know how to do their job, first they said I can change it with the id then they said actually never mind you can’t do it and refused to update my account even though I sent them a photo of my id and my husbands id! Called on the phone and spoke to another illegitimate agent who said I can change it with my husband on the phone. Got my husband on the phone and agent refused to accept his information even though he was sitting right there next to me and gave all his correct info. Argued and finally he decided to accept my husbands info and then after being on hold for 30 minutes the agent claimed he can no longer do it and told me to make a new account. I can’t make a new account because it’s already under my email and phone number! Agent refused to help me any further so now I’m done with Klarna since they are obviously a scam and very shady. Their employees obviously don’t know how to do their job and have no training at all. Stay away from them because they seem very suspicious and I don’t trust them with my money anymore..ChefauriVersion: 22.49.221

Loved using their service prior, until they defrauded me for an orderEdit per Dev. response: No, there was no cancellation; having confirmed with the merchant, they never received their part from Klarna. The fact that they want to push the blame off on everyone else but themselves is clear indication that they’re unprofessional and unwilling to take responsibility for their mistakes. Avoid. As mentioned in the title, I’d used these guys frequently, and highly enjoyed the company. That is, until today, where they charged my card for an order they didn’t complete, and on top of taking the money out of my account, my “estimated amount to spend” greatly reduced (to the point that I can’t retry ordering), and given an excuse of “very soon” for my refund. There’s no accountability to be taken, and blame was instead put on the company the order was made through (despite the payment being taken /by/ Klarna). I’ll be closing out my account after this, as this is extraordinarily unprofessional. Edit 2: Fool me once, etc etc; today, after giving them the benefit of the doubt, decided to order something using their payment plan, and for the second time in using their services, yet again they had taken my money and did not complete the transaction. Unless you like loaning companies money for a week and waiting to get it back, I’d not run the risk of using this service..Sworly WVersion: 21.46.88

I feel like this company is a scamI placed an order more than 24 hours ago and the app still shows it as processing at the store. I’ve contacted the store and they have no record of my order and are unable to assist me with a cancellation or a refund. I have called several times and am being told that I need to contact PetCo. And as I’ve mentioned already, they have no record of my order. I contacted Klarna “customer service” again and am now being told to wait up to FIVE DAYS before I can cancel my order. I chose this installment option because I was in between paydays and my puppy is running out of food. Had I have known this would be a long drawn out process I would’ve just taken a NSF hit with fees from my bank. I don’t recommend anyone to use this company and will be looking into filing a complaint for fraud. UPDATE - Developer response was they’re not a scam and to contact “customer service”, and I use that term lightly as “customer service” is of no use at all. As I stated in my initial review, I have contacted “customer service” several times and was told they could not cancel my order. They stated I would need to contact the merchant, PetCo, and they would have to cancel it. PetCo has no record of my order and cannot cancel an order they don’t have. There-in lies the problem. This is a scam and hindsight is always 20/20 but I will NOT be using this scam app again..RossOliviaVersion: 23.31.189

How do I leave a ZERO STAR REVIEWNormally apps that allow you to make pay in 4 installments make more sense. So I was trying to purchase an item though Walmart and in order to do so Klarna said, “you have to purchase a Walmart gift card in order to make purchases to Walmart with Klarna.” Meaning I had to buy an e-gift card and use the pay in 4 that way. So tell me why when I tried to make a $200 purchase through Klarna with Lowe’s and not only did it place a $104 hold on my bank account, I also got a message on my screen saying “Klarna does not allow purchases of a gift card” blah blah blah. So now because there was nothing in the fine print that states “oh you can purchase a gift card for this store but not for the other store” I am out $104 for the next 1-7 business days, I have to wait to make my purchase though my actual bank since the funds I had in there for the initial transaction is now gone, and to top it off customer service was unqualified to answer my questions, and did not give me a straight forward answer, and they did not help at all when I called. This is wrong on so many levels. Why not just release someone’s funds back to their bank immediately when obviously they did not use and have cancelled the one time card? If I could have left a zero star review I would have. Do better Klarna! I will not be using Klarna in the further what so ever..Chelsea BugVersion: 23.27.225

KLARNA IS NOT THE SAME NOMOREThis app is trash nor do they know what’s going on with the order order update that’s being placed on their app. I purchased an order from us place over a week ago. The place is 100% legit is a big on brand they’ve canceled the order and yet Klarna still has took my money and saying that they have not processed the refund yet when I can see it on the business side in my email also that the order was canceled and processed not only that my bank has processed and my refund is still saying that they have not processed anything so now my Klarna, I cannot do anything with it for the moment, not only that they now created some new Klarna rewards points. You have to pay extra monthly before you were able to use your points from your orders to get coupons off your next purchase. The most maximum money off would be $10 yet. They are now making us pay monthly subscription to get that feature and the points that we did have that we didn’t use yet, they took away from us we can’t even use it…. I contacted support and that was no help at all, they were basically telling me the same thing contact the merchant when the merchant already confirmed the cancellation processing was completed followed by my refund, and an email confirmation…agent was still telling me it’s the merchant after showing proof and screenshots.Best App !! EverVersion: 24.21.406

A former Stocard userStocard was great because the data was localized to me and I didn’t have to worry about having an account. Now I’m faced with having to potentially use Klarna and apparently I must have an account. I don’t want an account. I don’t want you to have my phone number !!! I don’t need an account to secure my cards/data like Klarna purports is good for the customer. There’s something called automatic back up. I’m more likely to lose my store/courtesy cards because Klarna had an accident or is filing chapter 11 or whatever. But besides that, I don’t want you to have my phone number !!! oh, did I say that already ? Maybe I should say it again ? Store/courtesy card curation is not a prime service tool that i need, its a sub-service tool which means you shouldn’t have transferable/sellable information. I didn’t get into it far enough to find out, but wouldn’t it be ironic if in the process of creating an account, I found out that Klarna wants really secure passwords (like I’ve seen with some other subpar services) ? I suppose if they have some financial info of the customers, that might be in order, but that would be another reason I wouldn't want to create an account. Stocard used to do exactly what I wanted - store card information on my phone in a simplistic fashion I guess I’ll have to find some other app that isn’t out to harvest customer data..Hounddog57Version: 24.35.276

Klarna..I downloaded this app about 2/3 years ago it started off great until this year when everything became a bit more strict on making online/in person purchases. I USE TO LOVE this app because it helped me make purchases when I was tight on money, I knew I could make biweekly payments so it really helped me out a lot. I would buy my dog his food, toys, etc. knowing I won’t have to spend $100+ upfront and be able to make a biweekly payment of $25+ which really made me more calm because I was tight on money. I use to go in store and create a card, limiting myself to $80/$100 and being able to make the purchase without being asked personal information before I created the card. It would be so embarrassing when it would get declined or not allowing myself to creat the card once I’m in line or about to pay so I would have to get out of line with everything in hand and having to cancel my purchase because I’m not able to pay the full amount. This app really helped me out when I was financially struggling. You guys have changed so many things now which makes it harder for myself or my sister to use this app and make purchases. I have one purchase which I’ll pay off soon and I will no longer be using this app as much as I hate it, thank you guys for being able to help me make purchases when I needed it the most..Diannaa8Version: 24.27.393

Useless rewards systemHello, I have spent several thousand dollars using Klarna. And all that time have made my payments faithfully. I saved all my points and redeemed them for several certificates for the same store. I read the terms multiple times, and was never told they could not be combined. Until I went to go complete my purchased, and was only given a measly seven dollars. Klarnas terms nowhere specify that you cannot combine certificates. I said I tried the live chat, and I even called them. They refused to give me my hard earned rewards, and then refused to cancel their “certificate” to return the points instead. So I’m at a complete loss. 1500 points completely wasted over Klarna‘s miss information. I’m very upset. So once my final purchases are paid off I will be switching to Affirm only. Exit for Klarnas filler response- I did call, and live chatted. A resolution still couldn’t not be reached as I’m told several times that it’s completely impossible for you to reissue my points. If the app is that under developed then you should see that this is fixed before putting it on the market. I specifically saved ALL my points to use on your rewards certificates and now they are gone forever. I was given no compensation. Your staff is kind, however you need to rewrite your terms before promising something you know you can not deliver. Thank you..KskdjsjskkdkdkxkVersion: 22.49.221

Good to start but gone off the deep endI liked Klarna a lot at first, but then they changed their policies to be more on the side of merchants than customers. I bought something online from an independent seller than never arrived. I reached out to the seller for a refund and they refused despite my showing proof that it never arrived. At first, Klarna took my side and cancelled the order. Then a few months later, they tried to charge me again, so I reached out and they weren’t able to give back the money taken, but they did put a stop on the payments. Just today, I got a notification saying that I would be charged for this item once again. This time Klarna refuses to stop or cancel the payment and said it was due to a new policy. On top of that, one of their reps told me to just go to my bank and have them stop payments to Klarna. When I explained that this would cause my bank to stop ALL payments, even the legitimate ones, the rep basically said “oh well” and told me to do it anyway. So I guess Klarna would rather have people go behind their back to prevent banks from accepting their payments than taking responsibility and just cancelling the order. Bad business practice, bad customer service, and an all around stupid AF company. So go ahead everyone, just use Klarna and then stop payment with your bank because they clearly don’t care about running an honest business. Use QUADPAY instead..SassypantalonesVersion: 20.30.103

Purchasing power was decreased & keep getting declined on 1x cardsI have been using Klarna since 2019, and as of this year my purchasing power was anywhere between $2k-$3k. I paid off my last order last month and had no problems but have not used it since I am on a budget right now. I’m assuming this is when things started to go downhill with the app. I have tried to see how much purchasing power I have, only to not find it anywhere. Thinking I can make a one time card, I got declined automatically. I updated the app and saw my purchasing power was $450 now. I had tried to make another one time card of $61 but everytime I tried to submit the first/initial payment, the app would just reload the same page which made me submit it multiple times (luckily I didn’t get charged). That happened when I used Apple Pay so I entered my card info manually only for it to say they could not accept the payment method at the moment. I tried another card, same thing. It was the same on the app and website. Basically useless to me now, unsure why they’re trying to sabotage their clients and hide behind the lie of saying they shouldn’t allow people to have that much purchasing power when in reality, they lost over billions of dollar in estimated value since last year ($45b in 2021, now $6b in 2022). They’re probably going under.Korina cejudoVersion: 22.26.177

This app used to be my favWhen I first downloaded this app I was very skeptical, but once I bought my first ordered everything thing was perfect and easy . The payments were easy and they had every store you can think of. I loved this app so much because it helped get a lot of gifts for every holiday that past without spending so much money at one time. I spoke highly on this app that I recommended it to about 12 ppl , a few of them were able to pay about 3 good purchases on different occasions and some only ordered things once. And they also spoke highly of them. But then one of them tried to start a new purchase and was told they didn’t get approved for the ghost card. I’m thinking to myself how can you not get approved for a card your funding with your own money 🤔🤨. She even deleted the app and reinstalled it and no luck . And she had been using the same BANK card since started dealing with them. Customer service was no help at all. And lately the last few ppl I had recommended to Klarna have not been getting approved for the ghost card. My problem comes in when I recently tried to make a purchase yesterday for my birthday and Valentine’s Day orders and it said it doesn’t support my card. 🧐 I’m baffled due to the fact I have used this card on several occasions with this app from last year up into my last payment last week. I’m HIGHLY DISAPPOINTED WITH THIS APP 😭😭😭😭.LéShea14Version: 20.3.28

This app is a good idea, when it actually works.I hate that this app doesn’t support pre-paid cards, cards that are through your work, certain banks, or simply denies your card for unknown reasons. My husband banks with Wells Fargo, Klarna does accept Wells Fargo but wouldn’t accept my husband’s card. We have more than enough money on the card but wanted to try Klarna out to separate the money because we do have a large family and bills and I just like to have extra money for emergencies. Was using Klarna to buy work clothes and instead of paying $130 bucks at once, I wanted to separate it into four payments, obviously. My husband gets direct deposit weekly and has money in his account, as I mentioned, but Klarna wouldn’t accept his card. My sister banks with Chase, which Klarna accepts. My sister used her card once with Klarna and it worked. All her payments were deducted and she never used Klarna again. Then when she tried to use the SAME card a second time in the future, they wouldn’t take her card. I tried using my bank, US Bank, Klarna denied me. Then I used my Chime card and Klarna says they are working to accept Chime’s bank but don’t just yet. I tried using my American Express card, Klarna denied that as well. It’s SUPER annoying but whatever. Paying full price at one time is better than the hassle this app causes. Obviously this app works great for some people but I am not one of them..The App Store Annoys MeVersion: 19.41.44

Sounds Good in TheoryI want to start out by saying I’m sure that this app/service might work great for some people either with better credit or otherwise. Anyway, I downloaded this app because I wanted to buy some things for a vacation that was some time away and slowly pay it off. It didn’t matter if I tried a store that didn’t require the “ghost card”or did, the amount of the purchase, etc (anything they said to check or that was considered in the decision). It approved me for nothing. when I inquired about this I was told it was due to my credit history. maybe I am just not understanding the premise but it seems weird to say credit history is a factor but they’re not giving you a credit limit, you get a “purchase power limit” that isn’t guaranteed apparently? It’s very confusing and it seemed very straight forward: “pay things off, interest free in installments” but it has been so much more complicated and frustrating than that for me. it’s especially frustrating to spend all the time putting the cart together just to get denied right at the end when you go to check out. 0/10 experience. I’ve used Afterpay and other services with way less issues with clarity and otherwise. I was disappointed as I was very excited by the premise..IvySC97Version: 22.30.213

Ugh what a hassleWhat a hassle, I contacted support mutiple times never really got my question answered, app keeps saying I have overdue payments when I never purchased anything, it’s like a constant headache I was super excited to use this app, but not worth the time.Ntupy12Version: 22.33.206

Poor replacement for StocardStocard was a perfectly simple fidelity card storage. This forced changed is not working well. Created an account on iPad, won’t login on iPhone. Will likely delete my account..Aucune importanceVersion: 24.43.272

Poor qualityForced to move from Stocard to Klarna and very disappointed in quality of Klarna especially compared to Stocard. Amateur card presentation – long list (no preview of most frequently used cards) and cards blurry. When try to scan bar code blurry and crammed and doesn’t brighten enough. Stocard was so classy..Wendy@70Version: 24.43.272

What a piece of garbage!We have been using the wonderful App, Stocard, for years. Just looking at Stocard's user numbers and reviews is proof positive it was a perfectly thought out and functioning App. Whoever the hell Klarna Bank AB are, you're a bunch of morons that have ruined a very easy to use and helpful Stocard App. What a bunch of incompetent executives and developers you are at Klarna. So sad you hijacked Stocard and destroyed Stocard's features and usefulness. Your company obviously doesn't have the intelligence to provide a proper App on your own and instead ruined a fantastic App and stripped it of ALL the useful features it was famous for and the users loved! Will NEVER be using Klarna!.AmberGlennVersion: 24.44.315

Garbage payment systemProbably the worse payment system I have ever used. I’ve used flexing and affirm and both are superior than this trash app. Was trying to make a purchase on Etsy it takes me to this app which I registered for and linked my card. Each time it says sorry we can’t complete this purchase and then after a while it says I have reached my spending limit? I haven’t bought anything on this app as I just registered. Not only that but I had to sign in and get a code texted to me every time it took me to cart. DO NOT USE THIS stick with affirm or flexiti.WodgamerVersion: 22.31.192

I too am a Stocard migratorI used Stocard for years and it was simple. Everything was in order and you can choose the order you wanted your cards in. I’ve just been forced to move to Klarna which was relatively seamless however it is clearly not designed for loyalty cards. It takes a serious back seat and is missing all the features. Cards are no longer sorted, no longer relevant to the store I’m near. I can’t even put these in a custom order nor an order of frequently used. You can only sort alphabetically which I bet is exhausting if you have many cards. I will be looking for a new app now..MERCEDESBENZCLKVersion: 24.43.272

YuckSema to have no ability to save loyalty cards in apple wallet..Ap236Version: 24.45.275

Shutdown Stocard and made it worse?So you took over and shutdown my Stocard app, which had a widget to easily access my loyalty cards, and shoved the cards into Klarna with no widget. Thanks for making it worse. 😐 The “copy paste” developer review replies and the identical changelog for every single app update tells you all you need to know. This app is run by a bunch of unresponsive and emotionless robots..BalathrustiusVersion: 24.45.275

No widgetSince the take over of stocard and had to move all my point cards over is there any plans for a quick access widget in the future.ThecoboneVersion: 24.43.272

Not a fan.I have been using both Afterpay and Sezzle for over a year, never an issue and all my purchases get approved. Klarna has NEVER approved a purchase for me no matter what the amount is. I'm definitely not impressed and it's a 1/10 do not recommend for me..MzDamnVersion: 22.24.181

No Apple Wallet IntegrationI previously used the Stocard app to hold my loyalty cards. It integrated with Apple wallet and all my loyalty cards were available there. I recently got a message that Stocard had moved to Klarna. All my loyalty cards are now available in the Klarna app, but they are no longer available in my Apple wallet. I’m very disappointed!.Dr. Alex JKSVersion: 24.48.336

Pas d’intégration à apple walletAvec l’ancienne application stocard, il y avait possibilité d’ajouter la carte directement dans l’apple wallet, avec klarna il faut absolument passer par l’application. Pourquoi faire une nouvelle version qui est moins évoluée que la première..King kunta 47Version: 24.48.336

Poor replacement of the StocardWith forced move to Klarna, I have lost ability to add cards from Stocard to Apple Wallet for fast access. Klarna app doesn’t have that ability. Will be moving from it to an alternative..RussianBear_82Version: 24.48.336

Poor transition, forced changeStocard was a simple way of handling loyalty cards and worked on the Apple Watch. Followed instructions to transition my account and it works on iPhone but the convenience of pulling up loyalty cards up on the watch is gone..DeadlinerGlitchesVersion: 24.48.336

SHADY POOLIt really sucks that you hold our personal information hostage and force us to accept your Terms of Use before giving it back. Is that even legal?!? This app doesn’t even have the ability to sort your loyalty cards so the most used are on top. If I could give Klarna zero stars, I would!.FluffygerbillipsVersion: 24.48.336

HorrendousThis is the worst app I ever got. If you want a simple app like Stocard,DO NOT GET KLARNA. If you need other stuff then….up to you to test it out..🌷2010Version: 24.48.332

Horrible customer service. Horrible app.STAY AWAY FROM THIS APP. Klarna deleted my profile and 10 years worth of loyalty card data despite repeated requests by me for assistance. I have never experienced such poor customer service. If you are like me and miss Stocard, check out SuperCards. It’s free, and is much simpler than Klarna..AgilealtitudeVersion: 24.48.332

Give Stocard backIf you want steal stocard data, at least make a widget, shame.Dieguo2020Version: 24.48.332

Hate it !!Most of my cards are not even recognised by the app. Please bring back Stocard..Meg001002003Version: 24.48.332

I don’t like this AppI don’t know what happened to stocard. But I am a fan of stocard. Absolutely not F Klarna. I like nice and clean view of the app. Simple to use. Card is the most thing that brings me here..Xj92tysjVersion: 24.46.357

This company ruined StocardAll the Stocard app features and widgets gone. Another good thing ruined by a bad company takeover.FreshShadeVersion: 24.46.357

Yuck.An unfortunate downgrade for Stocard. You lose the ability to have the cards display in an easy to access widget. I want nothing to do with the financing part this was forced into. Now’s a great time to switch to alternative apps. As soon as I found one I migrated everything over. What a horrible blunder on Klarna’s part..ByzantiumbeersVersion: 24.45.275

Registration brokenPremium SMS plan needed to use.VandanactiveVersion: 24.45.275

Stocard better, bad changeFor starters no favourite or recent organization. Boo! Still learning….DlbonnerVersion: 24.45.275

Conversion from Stocard to KlarnaThe organization of the new app does not compare to the Stocard app. Please reintroduce the most used cards at the top and a search function for your saved cards. Not happy with the new experience.Student10198Version: 24.45.275

Garbage Stocard ReplacementStocard was simple, I just want a place to access loyalty card. This garbage app has too many features, its UI is trash and it doesn’t have widget support. Stocard focused on loyalty card storage, however this app has store offers(which is basically advertising), in app shopping, payment storage, and offers a Klarna credit card which is all advertised on the main page, almost like they’re trying to shove it all down your throat. Terrible product. Also there’s no way to delete your profile in the app. They probably retain your data and sell it. I’ll be moving to another app..HoggdoggsVersion: 24.45.275

TerribleThey shut down stocard to try and shove you on to this pathetic excuse of an app. Nope. Adios. Absolute garbage..Mister of BattleVersion: 24.45.275

LolAh yes the classic “company buys out respected developer and their flagship app and makes it way worse”, taking away good features while forcing you to make an account so they can harvest your data. Needless to say I will not be migrating over. RIP Stocard..TIREDMANEVersion: 24.45.275

Klarna bought Stocard: Scanning Loyalty Cards with Apple Watch Non-Existent ATMKlarna has bought the Stocard App and now I can’t open my loyalty cards from my apple watch using the Klarna App. Stocard will be gone soon and Klarna App doesn’t even show up on my apple watch. I really liked scanning my loyalty cards from my watch. Please Klarna, make a watch app like how Stocard worked so we can scan a loyalty card from my watch!.AnneAxelle22Version: 24.45.275

Stocard shutdown an unethical messGood old bait and switch by klarna to try to force people who have no interest in the app to sign up.PaljkVersion: 24.45.275

Widget!Support iOS 18 widgets!!! It’s already annoying I had to get rid of Stocard and its widget..Link488Version: 24.45.275

Stocard worked betterThere are no widgets..KacmusVersion: 24.45.275

Horrible, where’s the widget?Came from Stocard. No widgets, how come this is a step backward after the Stocard buyout?.DonduckssVersion: 24.45.275

WidgetForced to move over from Stocard but Klarna doesn’t even have a widget to make it easier to access cards..EeeevaaaaaVersion: 24.45.275

Stocard userWhy shut down Stocard and not bring its best feature over? I can still set up Stocard widgets on my phone (they don’t work, but I can set up new ones), but I don’t see an option in the widgets menu for Klarna..TheCancerfighter05Version: 24.45.275

No Apple Watch supportStocard was much better. This app sucks. Supercards is better.Crazypp ladyVersion: 24.45.275

No widgetStocard used to have a shortcut widget for iOS. Why isn’t it included with this app?.Jace829Version: 24.45.275

Poor appLost all my reward cards from Stocard.Please add clockVersion: 24.45.275

Tricked and forcedSo I had stocard app which kept all my loyalty cards on my phone. Then when I logged into stocard I was notified they sold out to Klarna and force me to migrate over to Klarna to access my cards. I hate companies like Klarna. So I had to have an account to get access to my card. I just deleted the account but what horrible trickery to make a financing company force an account to access loyalty cards on an app that actually was good and not evil (Stocard). Shame..Cir2bVersion: 24.45.275

No widget and watch supportVery disappointing.Jimmy DoucetVersion: 24.45.275

Terrible replacement for StocardStocard was so much better. Easy access across the Apple ecosystem. Bar codes are more difficult to read. No horizontal function to increase bar code size/legibility. Definitely not new/improved. To the contrary worse.Targa881Version: 24.44.315

Trash replacementThis app is replacing Stocard which has widgets to rapid access my cards. Yet Klarna does not has any widgets and there is no user option to use Stocard instead. 0 stars if I could.BringStocardBackVersion: 24.44.315

Lost features after moved from StocardDon't try to use this app instead of Stocard, it's not even close. It is very unfortunate you forced many users from a loyalty card app to your app what clearly not designed for that. Many features what we loved in Stocard missing here. Store relevant card via location. Card organization. Most importantly, no apple watch support and no widget. The 2 most important feature what made Stocard stand out. I'll remove all my info and cards/account info from the app. Very poor, forced transition..Victor LajkoVersion: 24.44.315

Was forced to switch to KlarnaHad been using Stocard happily but was forced to switch to Klarna. Now I can't open Stocard anymore and I lost the custom cards (the images are gone) Probably the worst decision made by Klarna.Fantastic FunnelVersion: 24.43.272

Card information doesn’t automatically transferI was forced to switch from Stocard to Klarna. Stocard said all my cards would be available in Klarna. They’re not. None of them automatically transferred. I am not impressed..RedMarvelVersion: 24.43.272

Duplicate ordersThe app was perfect at first but my purchases are being duplicated in the app, I’ve reached out and it’s very hard to get help. They have suspended two orders as if there’s a problem with the merchant but it’s not the merchants problem. The problem is with Klarna and the app so be careful. One of my orders is duplicated 4 times over in my app and I’m NOT paying the same order over and over!!!.Lorie SPVersion: 24.43.272

Klarna en françaisPourquoi votre nouvelle plate-forme unilingue anglais?.Roger169Version: 24.43.272

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