Klarna...when it's good, it's good...until it's not. In my particular situation BNPL is a great option for me. I like to break up payments instead of paying at one time. I had used Klarna for so long, I don't know exactly the amount of years, but it's been at least 5 years or so. I make it a point to pay on time, even when I have trouble with other bills, I make sure they are paid. One time, I had financial issues due to some health issues. I paid them off and was given the opportunity to use them again. Currently, as of a few days to a week ago, I had about $818 purchasing power. That's lower than the actual amount because I had two purchases. Well, the other day, I just happened to go on the app and look around because I was deciding whether to use them to get some items for my dog on Amazon and it said that my purchase power was unavailable. I tried to call someone because I have no outstanding debts with Klarna, but all you get is a bot. The bot said that I had no outstanding debts with Klarna. So later on, my daughter reached out to me and said she can't use Klarna. According to her, it is tied in with a Verizon cell phone bill. I had gotten her a phone with Verizon about three or four years ago. Recently, she decided to add a watch, but for whatever reason, she was not getting control of her bill, so I switched her to another carrier so that she could have a lower bill. The new carrier was supposed to pay off the other carrier. So I get a $400 bill in the mail. I'm confused about the bill because I'm thinking the new carrier took care of that. My daughter said she looked into it and owes about $200 for the last bill and about $200 for the watch. So, this is the reason that Klarna won't let me or her use them? A bill that has absolutely nothing to do with Klarna? I am very angry because I pay my Klarna payments and because I let my daughter get a phone in my name years ago, which she had been paying the whole time she had the phone, up until some months, I don't know much because she paid the bill, I can't use Klarna? I hate companies that despite you having a good paying history with them, they take it upon themselves to penalize you for some other company/bill. So just out of nowhere, my $800+ purchasing power is gone. I gave them a one star for this reason. Be aware, this company can give you a high purchasing power and take it away in no time, whenever they feel like it. I've overall had a good experience with this company, up until now, but other people I know have not been able to get higher purchasing power amounts...but I now, I don't know about Klarna. I used to think they were better than AfterPay and Zip, but I don't know about any of them anymore at this point.

Following my response to the Ombudsman (!) of Klarna (case is related to my Trip.com experience reviewed here)

To: Klarna <*******@klarna.com>
Cc: *******@arn.se, *******@fi.se, *******@trip.com
Thu, Aug 10,2023 at 7:26 AM

Aditi Maaheshwar,

As ombudsman of the crooks company Klarna/Sofort (Klarna bought Sofort in 2014) you are obviously not able to read. And, in addition, you are a liar and crook.
The email from Trip.com dated Jan. 18,2023 reads "Your tickets are on their way to you". They never came.
You further state, read lie, that "Based on my investigation, Trip.com confirmed to you on 30 June that the ticket was successfully issued on 18 January".
This is wrong as it says in that email of Jan. 18,2023, "We guarantee that your tickets will be issued."
It gets even more explicit when they wrote, "A confirmation, itinerary and e-receipt will be emailed to you once your tickets have been issued".
You are able to understand the grammatical difference of past tense and future tense?
You further wrote, "This also includes investigating if Klarna contacted the relevant merchants to get more information when a customer raises a dispute. In your case, as mentioned earlier, Klarna sent you emails twice in order to receive more information, which they then would have used to contact the merchant. Klarna didn't receive any response from you and hence could not investigate the case further".
That means Klarna did NOT "contact the relevant merchant to get more information". You did though receive ample response from my side.
You again lied writing, "Klarna disputed the invoice and sent you "evidence gathering" emails on 09 May and then again on 13 May. As they didn't receive any response from you, they closed the dispute".
You received relevant docs from me on May 10, June 2 and 12.
Here are the reviews of crooks company Sofort.com, read Klarna: https://www.trustpilot.com/review/sofort.com

You call yourself an Ombudsman. Seriously? You are a shill.
I want the money back!

Update Dec. 2023
The EU offers an Online Dispute Resolution (dis)service. If you have time to waste, this is the goto place.
Filed a complaint there with a lot of attachments and ARN dealt with it. The National Board for Consumer Disputes (ARN) is a public authority that functions roughly like a court. Really?
On the EU platform ARN asserted that they had requested more information and did not receive any from me. That's a blatant lie. They never made a request.
Oh, there is a Peter Sunde article about Klarna on 'Sifted'.