Awful, horrible customer service experience! I have a background in banking. The notion that Klarna can't verify necessary information instantly to allow for hassle free shopping for those who have all their financial ducks in a row is nothing but an alternative set of facts. They created a system that saves money by using a shortcut on the backend. A poorly designed algorithm that constantly gets it wrong meaning you can't use Klarna when you want to. Absolutely, incredibly ridiculous.