I would love to give them a -0!!! Worst customer service and dispute resolution I have ever encountered!!!! I went through multiple phone calls and emails with these losers and never had a resolution. I had to go through my bank to get it resolved billing me for a product I never received!!! Received the below comment and its not helpful as I contacted Klarna multiple times about this. Don't worry Klarna I had my bank resolve it and also finally got a hold of Macys to fix the problem. NEVER USE KLARNA!!