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Klarna fraud reporting routes

Unauthorized purchase, identity-theft concern, card freeze, and 24/7 support.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with Klarna. Contacts below are sourced only from verified official pages.

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Account typeWhat happenedPayment or channel

Exact verified routeChecked 2026-08-05

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Klarna fraud workflow

Payments > unauthorized purchase > Report a problem > I suspect identity theft

Report the affected purchase through the official app workflow.

Open official route

Source: Klarna - Report a Fraud Attempt

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Your name, what happened, and a callback number
Prepare a concise description of the circumstances and a reliable callback number.
Recommended by official source
What personal information was compromised
Prepare a factual inventory before completing the official report.
Required or commonly requested
How the information was misused
Prepare a factual inventory before completing the official report.
Required or commonly requested
Accounts and transactions involved
Prepare a factual inventory before completing the official report.
Required or commonly requested
Originating company name
Collect exactly as shown on transaction record.
Required by BofA ACH form
Originating company ID
Collect exactly as shown; may be sensitive, secure it.
Required by BofA ACH form
ACH transaction details
Collect amount, debit/credit direction, and posting date.
Required by BofA ACH form

Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7

FTC Identity Theft Report and personalized recovery plan
Download or print the report and recovery plan immediately and retain copies with the incident evidence.
Keep original and copy
Unauthorized ACH Return Form
Save completed form, transmission proof, and source transaction records.
Copy acceptable
ACH line-item data
Preserve originating company name/ID, amount, debit/credit, posting date, unauthorized reason.
Copy acceptable
PayPal payment details
Preserve transaction details in Resolution Center workflow and FraudPrep ledger.
Copy acceptable
Bank or Coinbase statement details
Gather statement details and secure account before contacting support.
Copy acceptable
Records of fraudulent transactions
Preserve statements, transaction details, checks, receipts, and claim records related to the fraud.
Keep originals and working copies
Fraud-related communications
Preserve letters, emails, messages, and notices exchanged with institutions or suspected actors.
Keep original and export copy

Other official reporting routesAgencies that may apply depending on the facts11

FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.

FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.

CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.

USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.

U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.

Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.

FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.

Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.

NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.

IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.

SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.

Official sources and verificationEvery public route links back to an independently checked official source2

Klarna - Report a Fraud AttemptUnauthorized purchase and identity-theft reporting · Verified in browser Klarna Help24/7 customer support · Verified in browser

Other verified routes for Klarna

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