How to complain to Klarna
How Klarna’s current UK complaints process works and why escalation rights depend on the product involved.
Klarna publishes a formal complaints process and says it will provide a final response by eight weeks in the ordinary complaint process. The escalation route depends on the Klarna product involved, so use the referral rights stated in the final response rather than assuming every Klarna complaint follows the same path.
Product type matters
Klarna’s current complaints material distinguishes between products and services when explaining independent escalation rights. Keep the product name, order or statement reference and final response.
Use current post-July 2026 information
The regulation of deferred payment credit changed on 15 July 2026, so complaint and regulatory guidance should be checked against current Klarna and FCA material.