Klarna
Klarna’s “Pay in 4” May Not Be as Interest-Free as Promised
AT A GLANCE:
AT A GLANCE:
WHO?
Consumers across the U.S. who used Klarna’s “Pay in 4” installment product.
WHAT?
Klarna marketed “Pay in 4” as interest-free, but in reality:
- Late fees and One-time Card service fees may have been charged.
- Payments may not have been paused or credited during returns or disputes.
- Debits may have continued after revocation.
WHY DOES IT MATTER?
These practices may violate:
- Federal lending and billing-rights protections (Reg Z Subpart B).
- Electronic Fund Transfer Act (EFTA / Reg E).
- State consumer protection laws nationwide.
What's Going On?
Klarna promotes its “Pay in 4” program as a simple, interest-free way to split purchases. However, many consumers have reported unexpected issues. Some experienced surprise late fees when payments slipped, while others were charged one-time card fees that undermined the promise of a “no cost” option.
There have also been reports of payments continuing even when items were returned or under dispute, as well as ongoing debits despite attempts to revoke payment authorization.
Together, these fees and practices suggest that Klarna’s “Pay in 4” may not have been the free and flexible payment method it was advertised to be. If you used Klarna Pay in 4, you may qualify to take action.
FAQ'S
What can I do?
If you qualify, you can bring a claim through arbitration—a legal process similar to court but often faster and more streamlined. Our legal partners will handle the process on your behalf.
So, this isn’t a lawsuit?
Correct. These are individual arbitration claims, not a class action or traditional lawsuit. It’s a common way to hold companies accountable when they’ve violated privacy or consumer protection laws.
What does this cost?
There are no upfront costs to you. Legal fees are only collected if your case is won or settled.
Who am I signing up with?
We work with a number of established and respected law firms across the United States, all of whom work to secure compensation for people like you who may have had their privacy rights violated. This campaign is sponsored by Bryson Harris Suciu & DeMay PLLC.
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