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I think the primary reason for cutbacks in customer service is the massive amount of people who unneccesarily contact them over things that are written in the instruction manual or an FAQ. Or just common sense.
That's why a very commong troubleshooting question is "Did you check to see if you plugged in the device?/Turned the power On?"

Mummelmann said:

I tried for almost six months to get a hold of someone at Microsoft due to an issue with a service I tried to buy for someone, but it didn't work. As it turns out; the transaction went through, but the service didn't exist, so I was deducted a monthly fee for a subscription that never existed (Minecraft Realm for one of the kids at work). There is no number to call, no e-mail except for issues with Office365, Surface, or Xbox, the chat function didn't work at all (just stood at "it's your turn now" for hours on end, and no answer when I typed). I had to call the mediator (in this case, Klarna bank here in Sweden), but even they were useless, and nothing happened. After six months, I had to change my debit card to make the deductions end. A real shitshow, and at the time, Microsoft was literally the biggest company in the world.

PS: No, Minecraft support couldn't help me either, since the subscription never existed on their end.

That's crazy. I remember you mentioning this before. Sad that you werent able to find a solution until that long after.
Don't know if it's partially Klarana's fault, but I don't like that company anyway.

One time I bought something from the pharmacy for 3 dollars. And the only way to buy it online was through Klarna. They ran a background credit check on me, and sent me a letter revealing that they did. (Because its mandatory by law that they reveal this to the person they check.)

A credit check over a 3 dollar purchase.... feels very very unnecesary.
That sum was immediately drawn from my bank account when I used my debit card, so I don't even know what purpose Klarna played in that transaction.