"It looks like the last - plate? - isn't aligned correctly"

This often happens with my Kryponite and also my Onguard both with similar flats keys. I can usually jingle it until the key is fully inserted. Instead of a paper clip, use the key. Look inside to get an idea about how it's misaligned then turn the key a little in that direction until it slides down. Before you've used the lock many times, it tricky. With practice you learn not to turn the key until it's fully inserted and more importantly you learn how to tell if it's fully inserted. Learn how it looks when the key is all the way in and remember that. The plates get finicky if you turn most of them, but not the last one.Good luck!

Kryptonite will probably replace if you cannot fix yourself. Excellent customer service.