Personal, payday and title loans
Klarna Ab: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 80
- Closed with money back
- 2
- 2023 to 2025
- 13 to 58
Klarna Ab received 1,105 complaints from everyone in the window; 80 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Problem with a purchase shown on your statement". 2 of the 80 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 13 in 2023 to 58 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 26 |
| Credit card | 18 |
| Debt collection | 12 |
| Money transfer, virtual currency, or money service | 10 |
| Credit reporting or other personal consumer reports | 5 |
By issue
| Problem with a purchase shown on your statement | 17 |
| Problem when making payments | 11 |
| Problem with additional add-on products or services | 9 |
| Attempts to collect debt not owed | 5 |
| Incorrect information on your report | 5 |
| 2023: 13 | 2024: 9 | 2025: 58 |
Which accounts, specifically
| Installment loan | 21 |
| General-purpose credit card or charge card | 17 |
| Mobile or digital wallet | 8 |
| Credit reporting | 7 |
| Store credit card | 7 |
What went wrong, specifically
| Credit card company isn't resolving a dispute about a purchase on your statement | 16 |
| Information belongs to someone else | 4 |
| Debt is not yours | 3 |
| Problem during payment process | 2 |
| Card was charged for something you did not purchase with the card | 2 |
Busiest month: December 2025, with 12 servicemember complaints. Most were submitted by web.
Most complaints came from GA (9), CA (8), TX (8) , then FL, NC, AZ.
How Klarna Ab answered
| Closed with explanation | 78 |
| Closed with monetary relief | 2 |
Klarna Ab responded within the CFPB's 15-day window on 94% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. MD, 2024-08-19. Outcome: Closed with explanation. Complaint 9843804
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Payday loan, title loan, personal loan, or advance loan; Getting a line of credit. AZ, 2024-06-13. Outcome: Closed with explanation. Complaint 9250245
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. NC, 2024-03-28. Outcome: Closed with explanation. Complaint 8648850
If this is your problem at Klarna Ab
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Marlette Funding 82 servicemember complaints; 3 with money back
- Solar Mosaic 93 servicemember complaints; 0 with money back
- Credit Fresh 62 servicemember complaints; 0 with money back
- Greensky Operations 61 servicemember complaints; 1 with money back
- Lendmark Financial Services 114 servicemember complaints; 0% with money back
Next in the directory by volume: Lci Acquisition, Lockhart, Morris & Montgomery, Mortgage Solutions Of Colorado.
Frequently asked questions
How many complaints did servicemembers file against Klarna Ab?
80 complaints tagged servicemember were received by the CFPB about Klarna AB between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 13 in 2023 to 58 in 2025.
What do servicemembers complain about most at Klarna Ab?
Payday loan, title loan, personal loan, or advance loan accounts for 26 of the 80 complaints, and the most common issue is "Problem with a purchase shown on your statement" (17). Next: "Problem when making payments" (11).
Does Klarna Ab give money back when a servicemember complains?
2 of the 80 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 78 closed with an explanation only. Klarna Ab answered 94% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.