Klarna Klarna US Won't forward my refund from a retailer Columbus Ohio

This company is a scam, and now I'm to the point where I'm leaving a review of my latest interaction, reporting them to BBB, as well as adding them to this site. I purchased a backpack with a Klarna installment plan, then I returned the backpack. The purchase was paid for in full to Klarna. I still don't have my money (over $100) that was returned to them from The North Face.

Not only that, Klarna has not responded since the end of December when they told me they were "waiting for a response from The North Face until January 5th" --why I'm not sure since the other agent Dhananjay told me The North Face finally refunded the money to a Klarna account at the end of November. Everything works great with this company while you're giving them money. But they apparently have a problem returning funds.

Now I can't get into my account. It sends me a verification code to my e-mail, but the next step (both via the app and desktop browser) that sends a code to my phone fails. I don't have time to deal with this stuff, I'm a comp. eng. student with a completely full schedule. This is one of the worst companies I've ever dealt with. I've been trying to get my refund money since September 2021. They keep saying to e-mail them and they will help but they never do. They give me the run-around and keep telling me to contact The North Face and sending me the SAME exact e-mail instead of answering my questions.

Klarna escalations e-mail literally states: "We have been in touch with The North Face, and they informed us that you were refunded as a special service to Klarna Visa ending in ****  in the amount of $188.59" The North Face refunded the full amount of the sale (instead of just the cost of the backpack I returned) to a Klarna Visa, and when I responded to the e-mail and asked when I was going to receive the amount that was given to Klarna, they sent the same e-mail -- over and over and over again.

Finally I contacted customer service again hoping to get a new escalations agent. Customer support ticket ended up sending me to the same "escalations agent" Dhananajay. They sent me the same exact e-mail from before when I clearly listed the issue as not receiving my money from Klarna, not from The North Face. I left a review on Trust Pilot, they responded with a generic response to contact them at hello@klarna.com, they never contact me unless I contact them first asking what the status is.

They keep telling me I can contact The North Face also even though I said the issue is apparently that Klarna received the funds since The North Face returned the original form of payment instead of to a gift card like I asked. The North Face was also given a poor review for their horrible customer service but that's a separate story.