Posted: February 2026
Important Safety Warning: Beware of fake customer service numbers on Google. Scammers frequently buy ads to promote fraudulent phone numbers. Only use official channels listed below or securely within your Klarna app. Klarna will never ask you for your password or to send money outside of their official app.
Level 1: Customer Support (Initial Complaint)
- How to complain: Contact Klarna’s US customer support via their official website’s Help Center at klarna.com/us/customer-service/, or by using the Klarna App. You must log in to initiate a secure live chat or to request a direct callback from a live agent.
- Availability: Live chat and phone support (via the callback request feature) are available 24/7.
- Timeline: For standard order issues (like a missing delivery), Klarna will pause your payment plan to give you 21 days to resolve it with the store. For direct complaints about Klarna’s services, their official policy states they strive to investigate and resolve issues within 20 business days.
Level 2: Formal Written Escalation & Corporate Office
- Who to contact: If Level 1 is unsuccessful, you must send a formal written notice of dispute by mail. Klarna does not publish a direct executive escalation email address for consumer disputes. Send your correspondence to their official US headquarters: Klarna Inc., 800 N. High St, Ste. 400, Columbus, OH 43215.
- Timeline: Processing physical mail takes time. Expect a minimum of 7 to 15 business days for receipt and routing to the appropriate compliance or legal department.
Level 3: Federal Regulatory Authority (Government Escalation)
- Authority: CFPB (Consumer Financial Protection Bureau) for financial services and lending practices, and the FTC (Federal Trade Commission) for unfair or deceptive practices.
- Portal/Contact: * CFPB: File a complaint online at consumerfinance.gov/complaint or call 1-855-411-2372.
- FTC: Report fraud or deceptive practices at reportfraud.ftc.gov.
- Timeline: The CFPB typically forwards your complaint to Klarna within 15 calendar days and expects a formal, written response from the company.
Level 4: Legal Action & Arbitration (Final Step)
- State Attorney General: File a complaint with your local State Attorney General’s Office. You can find your state’s AG office by searching online for “[Your State] Attorney General Consumer Protection”.
- Small Claims / Arbitration: If the dispute remains unresolved and involves a monetary claim, consider filing a case in Small Claims Court in your jurisdiction or initiating Binding Arbitration as outlined in Klarna’s Terms of Service.
Community Action: Is Klarna still ignoring your complaint? Reply below (do not share your passwords, full account numbers, or sensitive financial data), and our community will point you to the right legal templates!