We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Letter received from Klarna Final Notice - I've never even used Klarna!
Options
Comments
-
Cutie22kittens said:MABLE said:Cutie22kittens said:MABLE said:MABLE said:MABLE said:Cutie22kittens said:MABLE said:marcia_ said:MABLE said:marcia_ said:MABLE said:Many thanks for the above replies and I know the truth I am completely innocent. This matter has taken too much of my time already and just want to let matters rest now.
I find it strange my latest chase up email was sent the day before their final response was emailed to me the next day with a goodwill gesture to write off debt.Despite being promised an email or call from their fraud dept it never happened. I did all the chasing.
I completed the adjudicator form pressed submit only to be advised their site is now down.
Also I did phone Klarna cs and they advised the investigation is still ongoing. What!!!!😊
quote
Hello
Thank you for your patience.
I am pleased to confirm that as of 25.01.2025, Klarna has successfully deleted your data in accordance with legal requirements and our policies. However, some data may be retained due to legal obligations, such as bookkeeping and anti-money laundering regulations. Rest assured, all data is securely stored and kept only as long as necessary.
If you have any further questions, feel free to contact us via Customer Service or visit our Privacy Notice for more information.
unquote.
Also checked my credit report and no late indicators. However when updated 31 December 2024 for Dec its shows ... which means no data available for that period. I will keep monitoring to make sure it is completed wiped from my credit report.Dear Mable,Case reference number:In your submission for review you expressed dissatisfaction with the outcome of your formal complaint with Klarna. More specifically, you have highlighted concerns related to Klarna’s case and complaint handling after you reported an unauthorised purchase. You have requested that several actions are taken in order to reach a satisfactory resolution to your case.OutcomeAfter carefully considering all of the relevant factors regarding your concern, I have determined that the initial conclusion reached by Klarna's complaints team was not accurate. Please see my findings below.- On 28 October 2024, an order was placed using your personal details with the retailer Recharge.com for the amount of £56.78 using Klarna’s Pay Later payment method (order reference:
- On 3 December 2024, you telephoned Klarna to advise that you had noticed a Klarna account on your credit report. You explained that you were not a Klarna customer, and that the account was registered to your old address.
- The order was disputed as an ‘unauthorised purchase’ and forwarded to Klarna’s security team for handling.
- On 18 December 2024, a complaint was submitted on your behalf through the third party Resolver, in which you reiterated that you had not placed this order. You requested for the order to be written off, and for the Klarna account created in your name to be closed.
- On 16 January 2025, you received a ‘not upheld’ final response letter to your complaint. The complaint agent advised that they would write off the balance of the order as a gesture of goodwill, and escalate your case to the relevant team for data deletion.
- I can confirm that I do not agree with the findings of the complaint agent, and will be overturning your complaint outcome to ‘upheld’. This is because, at the time that the final response was issued, Klarna’s security team had not yet concluded their investigation into your unauthorised purchase dispute. Although I do accept that the complaint agent took resolutive actions on your behalf, I do not believe that a complaint outcome could accurately be given without first reviewing the security team’s handling in full.
- You have referred your final response to the Complaints Adjudicator as you are dissatisfied with several aspects of Klarna’s case handling. Please allow me to address each point individually below.
- Firstly, you do not agree with some of the wording used by the complaint agent. You believe that by referring to the write off of this order as a ‘goodwill gesture’, there is an implication that the payment was yours in the first instance, which is not the case.
- I can confirm that I wholly agree with your viewpoint, and have passed my concerns regarding this wording directly on to Klarna. I am satisfied to see that Klarna is taking measures to ensure that their complaint agents' language is updated to prevent similar issues in future.
- Within your submission, you also state that you would like valid confirmation that this order was placed fraudulently.
- This is not something that either myself or Klarna can confirm to you. This is because Klarna’s security team only has the ability to deduce whether a customer is found liable to pay for a disputed order according to Klarna’s own processes. For confirmation that fraud or identity theft has taken place, an external police investigation must be conducted outside of Klarna.
- You would like confirmation that any information regarding this order is removed from your credit file.
- I can see that this order did not lead to any credit marks, and Klarna has now successfully taken the action to remove the account from your credit file.
- Finally, you have requested compensation for the amount of time that you have spent contacting Klarna. You state that, contrary to what you were informed by Klarna’s customer service, you did not receive any correspondence from Klarna’s security team.
- I do agree that you were proactive in attempting to resolve this case. However, I do not believe that an adequate timeframe was given for Klarna to provide a satisfactory resolution to you. As stated previously, the security team was still in the process of investigating your case when the complaints team issued their final response. Although I do understand the sensitive nature of your case, investigations into such matters may take time.
- Based on this reasoning, I do not agree that any additional compensation is warranted in addition to the resolution already provided by Klarna.
unquote
So there we have it. They upheld my complaint and the account will be deleted from my credit file. Not concerned about compensation but hopefully I can now put this business behind me.0 -
Pleased to report all mention of Klarna deleted from my new credit report.1
-
MABLE said:Pleased to report all mention of Klarna deleted from my new credit report.1
-
TheWoodler said:This issue has been covered this morning on the BBC by Rip-Off Britain (09/01/2025) with two case studies and advice from a consumer champion.
With nothing to lose I wrote to their Complaints Adjudicator on Jan 18th;Dear Sirs,Sorting out this nightmare cost me time and money so I cannot accept your feeble response to my complaint.I note with interest that the exact same fraud was recently featured on the BBC 'Rip Off Britain' television programme broadcast on January 9th, 2025.Two members of the public were featured, curiously both from my local area. Both involved the company DHGate and both received their final notice letters off you in early July 2024 - ALL exactly the same as me. However, unlike me, both victims were given an apology and £150 from Klarna as a goodwill gesture.Therefore, as an absolute minimum, I would like the same please - i.e. a proper apology and £150 as a goodwill gesture.RegardsToday, I heard back from the Complaints Adjudicator. It is a very long reply so I'll go straight to the adjudicator's decision that, "I therefore agree that compensation is due and that £150 is an appropriate amount".
Back of the net!
(My letter wasn't spaced as badly as that).2 -
Well done ♥️1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards