I couldn't agree more. I have used Klarna for my last two or three mobiles via Samsung yet this time it is declined at the endo of the process. I assume there are potentially thousands of Samsung upgrades being rejected because of Klarna payment process and Samsung need to reconsider their preferred partner. There is no other on offer! There is absolutely nothing wrong with my credit record and Klarna say they have technical issues. Samsung customers are losing out big style here and Klarna are pushing me back to Samsung who are not on the ball with the emerging issue. I should be abble to process my order over the telephone!
From Klarna complaints:
"We would like to assure you that when a customer applies for a credit account/a fixed sum credit, Klarna performs one hard credit search as part of the eligibility check. The hard credit search is a valid reference for 90 days. If the application is not successful and the customer wishes to try again for the same purchase, the previous credit search will be used. Please note that we will also perform individual soft credit searches, which do not influence your credit score, neither positively nor negatively. These are required for our ID, KYC and AML checks, and are only visible to you and do not affect your ability to apply for any other credit. "
So even if you do bottom out the issues, they use the failed hard search for 3 months. We're screwed!
To anyone else who stumbles accross this:
Klarna are aware of an issue, from live chat:
"I am aware of a problem associated with the Samsung upgrade which was giving the same error message as I can see you have received, which is 'fraud verification'. Can I ask if the shipping address you were attempting to deliver to was the same as your billing address as we were told this was causing the issue?"
Get in touch with them and point this out - they do a hard search that lasts for 90 days (no multiples) so any re-trying will bear the same result.
I really think that Samsung need to ditch Klarna Bank. My experience with Klarna is generally poor and I suspect thousands of potential upgrades are going up the swanny because of the issues. For example, why not use PayPal or better still get a sales team on the telephones and let us upgrade properly. My experience is that Samsung blame Klarna and likewise Klarna blame Samsung.
Ok - so my order has now gone through. Klarna said that having discepencies between capitalisation in address can mean it fails. We're talking "London" vs "LONDON" what an absolute joke! But that's the only thing I changed and it's now worked...