Letter received from Klarna Final Notice - I've never even used Klarna!

Nasqueron

Pippa_Panthers said:

I have received a letter today from Klarna which is a Final Notice for a pay later credit agreement that I had not entered into.  I have phoned them and they are raising a ticket so someone from their security team will ring me next week (!!).
I have checked my Experian Credit report and can see the credit agreement on there though the value is £124 rather than the £134 in the Klarna letter.  
I have also reported to Action Fraud.  
Is there anything else i should be doing and has anyone else in the same situation made any progress in resolving ? 
Thanks

If the ticket not a formal complaint, then raise one, otherwise wait for them to finish.

craftywanderer

I have today received a letter from Klarna saying I owe353.85 for a purchase i made through DHgate.  Never heard of either of them.  Rang the number for Klarna which panicked me a little as came up as possible scam alert on my phone.  Also when googled the number got similar info.   Spoke to a lady that said she was offshore and the call seemed to take forever and then was told she has reported it and i will be contacted by their fraud department. 

I have checked my Clearscore and Experian and nothing showing yet, and the purchase was suposedly in March.  I have also reported to Action Fraud.   This has taken me most of the day and very frustrating as the letter states a debt collection agency will be appointed if i dont pay 

marcia_

craftywanderer said:

I have today received a letter from Klarna saying I owe353.85 for a purchase i made through DHgate.  Never heard of either of them.  Rang the number for Klarna which panicked me a little as came up as possible scam alert on my phone.  Also when googled the number got similar info.   Spoke to a lady that said she was offshore and the call seemed to take forever and then was told she has reported it and i will be contacted by their fraud department. 

I have checked my Clearscore and Experian and nothing showing yet, and the purchase was suposedly in March.  I have also reported to Action Fraud.   This has taken me most of the day and very frustrating as the letter states a debt collection agency will be appointed if i dont pay 

 Don't worry about their debt collector threats. Debt collectors are useless and have no right of entry to your home unless you let them in. 

sourcrates

Klarna operate in a number of countries, they have a history of bad business practices, data protection breaches, and a lot of trouble with identity theft.

It`s easy for thieves to steal or clone a debt card, make the initial first payment, then disappear with the goods before the next payment is due.

Often the person whose identity was stolen is unaware of anything amiss until Klarna write asking for money.

They have been heavily fined in Sweden for inadequacies in its privacy notice and handling of personal data.

As far as I am aware such transactions as "pay in 3" do not appear on UK credit files, and collection activity is limited to 3rd party collection companies who cannot take legal action against you.

Klarna, like PayPal do not normally take action through the courts as these are currently unregulated credit products.

GiantDefy

Same here, letter received today for overdue payment, for purchase with DHgate, which I’ve never used. Do not even have a Klarna account. Phone customer services who have passed it onto their fraud squad, so hope that’s the end of it. Has anyone else had feedback from Klarna on this issue?

Spinners1961

I've also received two separate Final Notices from Klarna even though I'd never previously heard of them, never mind opened an account with them. One for £119.38 and one for £134.42 - both for purchases made at DHgate (and I'd never heard of them either). My credit scores are excellent but these Klarna overdue amounts have just shown up so I expect my credit scores to go south real soon.

I've sent a strongly worded letter to Klarna by recorded delivery and subsequently phoned them but I suspect they've been swamped by this issue. I also did the Action Fraud report but, of course, the victim of this fraud is Klarna themselves.

I've recently retired and I'm outraged by this. Apart from the stress it's also costing time and money to start to resolve this. If there is some sort of 'class action' against Klarna on this matter then sign me up.

Spinners1961

Having had two Final Notice letters off Klarna I've been worried that there are more waiting in the system so I phoned Klarna again today and asked their CS girl to do a search using my name and address and she confirmed that it is just the two. I also asked her what details were required when the fraudster opened the account and it was my name and address but not my e-mail, phone or bank account.

My credit score was slightly lower today and, sure enough, the dreaded Klarna is the cause. However, on both accounts, the fraudster paid the first two months! I'm baffled by this so the fraudster has used by excellent credit rating to open the account and grab a nice discount off the purchase price.

Spinners1961

Not Klarna related but very much part of the identity fraud.

A tiny bit of info for context. I'm retired and my only source of income is a pension annuity. I was looking at my HMRC account online this morning and checked my PAYE details. Apparently, I now work for a company called CALIMANSMR LTD a "private company limited by guarantee without share capital run" by a Romanian gentleman called EUGEN CALIMAN and first incorporated on March 29th, 2024.

Very disturbing. 

Spinners1961

Picked up the phone today to speak to Klarna as no contact from them over the five weeks. Very frustrating! First call to CS saw me going over the story again before asking for a line manager or to speak to the fraud department. I finally extracted a phone number that looked wrong and, indeed, was wrong. Phoned back and got a different CS person so had to give the full story again but demanded to be put through to the fraud department. This call took ages to be transferred but I was eventually passed onto a girl who asked for my details again and the full story again! In the strongest terms I have asked for a speedy resolution that includes some form of compensation for costs and stress. I kid you not, this last phone call cost me £14.76 and my blood pressure is off the scale! 

Nasqueron

Document evidence of costs like your phone bill, it may be needed in a dispute, good luck getting it resolved.