Credit Karma, LLC

On XX/XX/scrub> 2026 Credit Karma has decided to close my XX/XX/XXXX account for no reason at all. When inquiring, they said it was assessed by risk management team for a risk based decision. I did nothing and then when my card was stolen. Someone utilized my funds and I filed a dispute. When the dispute was finalized they refused to assist with options to obtain the funds. I have opened a case on XX/XX/scrub> 2026 and it hasn't been touched nor have i been contacted. I continue to call and im not getting anywhere nor a call back.

They closed my account with alot of money in my account without telling me and then they froze my account and they have told me multiple times that my account has been closed since XX/XX/XXXX and yesterday I get an email saying my disputes have been solved and I called today and they told me the count down starts again today bc today will be the day they close my account due to disputes being solved yesterday. I have already made complains with coorporate and other beareaus and I have contacted my lawyer as well and we are talking about doing a lawsuit if I don't get my funds asap. the resolution team guy from credit karma bank his name is XXXX told me and I have it in writing bc I wrote it down that tomorrow I should get an email saying my funds have been mailed to my address and that I should het my check on XX/XX/XXXX or XX/XX/XXXX. If I dont get my check on XXXX of those dates I will be starting up with the lawsuit.

Transactions were not authorized by me were denied. And XXXX other transactions which were atm transactions they wouldnt let me file a dispute on. The transactions dates are XX/XX/year> ( ATM withdrawal of {$500.00} ), XX/XX/year> ( XXXX ) {$100.00}, XX/XX/year> ( XXXX ) {$100.00}, XX/XX/year> ( ATM withdrawal of {$160.00} ), XX/XX/year> ( ATM Withdrawal of {$420.00} ). None of these transactions were done by me. I explained to you guys my phone and wallet was stolen at a bar.

I am filing this complaint regarding my Credit Karma Spend account. On or about XX/XX/2026, multiple unauthorized transactions were made on my account from merchants including XXXX XXXX, XXXX XXXX XXXX XXXX and others. I immediately disputed these charges, and on [ INSERT DATE NOTIFIED, e.g., XX/XX/2026 ], XXXX of these transactions totaling approximately {$1200.00} were approved for refund. Shortly after the disputes were approved, my account was closed by the fraud department on a so-called risk-based decision. Because the account is closed, there is currently no active account for the approved refunds to be deposited, and the fraud department provided conflicting information regarding how I will receive my money. I have been informed that any remaining funds will be sent via cashiers check in XXXX business days, but my current mailing address on file is incorrect, and I am concerned that the funds could be lost or delayed.…

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I am submitting this statement regarding the recent closure of my CREDIT KARMA CHECKING and/or spending account, as well as the unresolved unauthorized transactions on my account. After identifying multiple unauthorized charges beginning on or about XX/XX/year>, from merchants including XXXX XXXX XXXX and XXXX XXXX etc, I acted promptly to protect my account by reporting the activity and initiating disputes. These transactions were not authorized by me, and I did not benefit from them in any way. Shortly after disputing these fraudulent transactions, my account was closed. I am concerned that my account may have been closed as a result of my efforts to report and resolve unauthorized activity as I was told this by and agent that due to my dispute I am high risk. I am requesting a clear explanation for the account closure, including whether it was related to the disputes I filed. I also respectfully request that this decision be reviewed.…

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My income tax refund was deposited into my account on XX/XX/XXXX and it had been a while since I used my Credit Karma Money account, so I needed to update my phone number in order to sign in and access my money, i tried to change my phone number by verifying my identity through their services ( XXXX ) and them for some reason they will not accept my Government Issued ID. Therefore, I could not update my phone number. I have tried more than 10 times. After about a week of going through the customer service processes and getting no where, I requested that they issue me a paper check and mail it to me. They said 7 to 14 business days. A few days later the money no longer shows in my account and It has now been well over 14 business days and I can not seem to get anywhere with the customer service and in turn I can not get my money!

I am filing a complaint regarding a fraud dispute on my debit/credit card that was denied by Credit Karma . XX/XX/year> XXXX XXXX XXXX, XXXX, OK XX/XX/year> XXXX SP Alo Yoga, XXXX, CA ( No merchant record ) XX/XX/year> XXXX Target XXXX, XXXX, XXXX XX/XX/year> XXXX Target XXXX, XXXX, OK XX/XX/year> XXXX XXXX XXXX, TX XX/XX/year> XXXX Target XXXX, XXXX, OK XX/XX/year> XXXX SP XXXXXX/XX/XXXX XX/XX/XXXXCA ( No merchant XXXX ) XX/XX/year> XXXX XXXX XXXX, TX The financial institution denied my claim stating that the transactions were XXXX chip transactions and therefore authorized XXXX However, this conclusion ignores critical evidence that proves the charges are not legitimate. Key facts : The merchant Alo Yoga has confirmed that there are NO transactions matching {$290.00} on XX/XX/XXXX or XX/XX/XXXX associated with my card. This means the merchant has no record of these charges.…

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XXXX XXXX owes me {$25.00} as per their XXXX XXXX for a bait and switch I recently experienced regarding XXXX of the XXXX credit cards I applied for via their website, and they are refusing to pay it. Additionally, the other credit card that I did get ( Indigo ) promised 5 % Cash Back Rewards on my first {$5000.00} gas purchases each year during the application process via XXXX XXXX website, and now the credit card company is telling me that is not the case. I only get 3 % cash back on restaurants, grocery stores, gas stations, and mobile services. This does not benefit me as I rarely go out to eat, I use XXXX for groceries, and I do not pay for a mobile services. Which leaves gas only. And I only applied for the card because it was advertised via XXXX XXXX as 5 %, not 3 %. Between these XXXX situations, clearly XXXX XXXX practices bad business and lures consumers in by using bait and switch tactics. They must be stopped.

On or about XXXX, I filed my joint federal tax return through XXXX XXXX Credit Karma and accepted the faster refund option. On or about XXXX, my approximately {$16000.00} tax refund was deposited into a Credit Karma savings account opened solely in my name as was marketed to my sole Credit KarmaXXXX XXXX XXXX XXXX XXXX account. Due to a medical emergency and urgent unpaid bills, I immediately contacted Credit Karma XXXX XXXX XXXX XXXX customer service on XXXX and requested to close the savings account so the full funds could be sent to my personal checking account. The representative confirmed this was possible, verified my checking account details, and stated the funds would be transferred within 23 business days. I received a confirmation email from them stating the account was closed and the refund would be sent to my checking account. A few days later, on XXXX, I received a second email stating the account had been locked.…

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CREDIT KARMA has my money. I am trying to get my funds for several days and can't access them. I have access to my account. But when I transfer I get a message saying I can't access my funds. I have spoke with their so called customer support chat since they don't have a phone number. I keep getting the run around. Keep getting transferred to a specialist to help me. Just for them to transfer me to another specialist that can help. I have spent over 3 hours online chatting today alone and spoke with 8 different specialist or supervisor 's just to be transferred again for them to tell me there is nothing they can do, let me transfer. I am missing out on work and making money. They keep saying I understand what you are going through. DO YOU??? ARE YOU MISSING WORK TO FIGHT TO GET YOUR OWN MONEY??? ARE YOU LOOSING MONEY TALKING TO ME??? Then they wanted me on the last chat to transfer my funds to a 3rd party for me to access my funds.…

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Hello, I am filing a complaint about XXXX XXXX regarding my account. My tax refund was supposed to be transferred to my bank, but XXXX XXXX locked my account after I changed my password. I was told the transfer could take days, which caused extreme stress and financial hardship. I was lured into opening a XXXX XXXX account by XXXX to have a XXXX day early tax return, which I paid for and did not get the XXXX day early tax refund. XXXX I spoke with were overseas, and hung up on me. I would like CFPB to investigate this issue and help ensure I receive my funds promptly. Thank you, XXXX XXXX

I am reporting unauthorized debit card fraud involving multiple transactions labeled XXXX XXXX. There are XXXX charges of {$25.00} and XXXX charge of {$35.00}, plus an attempted {$50.00} charge that was blocked. These were not authorized by me. I have canceled my card and attempted to file disputes, but the provider ( Credit Karma XXXX XXXX XXXX XXXX ) only allows partial disputes and does not provide access to a human representative. I am unable to submit a full fraud claim, which is preventing me from exercising my rights under Regulation E. This is a pattern of fraudulent transactions and should be treated as a single fraud case, not individual disputes.

I am filing a complaint against Credit Karma Money ( issued by XXXX Bank ) regarding denied fraud disputes for unauthorized debit card transactions. On XXXX XXXX, 2026, XXXX unauthorized transactions totaling {$1000.00} ( {$490.00}, {$510.00}, and {$12.00} ) were charged to my account as XXXX balance additions. I did not authorize these transactions, did not benefit from them, and reported them promptly on XX/XX/year>2026. Despite reporting the fraud within XXXX day, my disputes for the XXXX transactions were denied. I believe this decision is incorrect and not consistent with my rights under Regulation XXXX, which protects consumers from unauthorized electronic fund transfers when reported promptly. These transactions appear to be consistent with known fraud patterns involving XXXX balance funding. Additionally, my account was flagged and restricted by XXXX following the dispute, further indicating suspicious activity. I am requesting : XXXX.…

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On XXXXXX/XX/XXXX a filed XXXX XXXX disputes of transactions on my credit karma account, it's past the XX/XX/XXXXdays for provisional credit. Some credits for the disputes that were settled have been deposited back to my account. But most of them have not. Nothing is said about the withdrawals from my account that were unauthorized that I also filed when I filed a dispute on XX/XX/year>2026. And when I chat with them, they refer me to the customer service number when I call some service number, they say that they that I no longer have an account with them.

First, I received a courtesy email, informing me that a purchase of over {$500.00} was made on my account. The email said to contact support if I did not recognize this transaction. Upon looking through my recent purchases, I found XXXX unauthorized purchases totaling over {$2000.00}. I immediately contact customer support to report the issue. I was told that there was nothing I could do at that time. I was told that the purchases had not posted yet, and that they werent able to file a dispute until after they posted, which they told me would be several days. I had to wait for all of the money to leave my account before I could dispute the purchases. After waiting for the purchases to post, I disputed the charges. I never received any kind of notice that the issue had been resolved, but the funds were returned to my account. The next notice I got from the bank was that my account had been closed. The notice said that remaining funds would be sent to the external bank account on file.…

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I am filing a complaint regarding mishandling of my federal tax refund by Credit Karma Money. The Internal Revenue Service ( IRS ) issued my XXXX tax refund via direct deposit on XX/XX/XXXX, to my Credit Karma Money account. This account had already been closed in XXXX. Instead of rejecting and returning the funds to the IRS, Credit Karma states that they issued a paper check to an old address that is no longer valid, as I moved in XX/XX/XXXX. I never received this check. Credit Karma refuses to provide any details about the check, including the check number, issuing bank, mailing date, or whether the check has been cashed. They also refuse to cancel the original check or reissue the funds to my current address. I have been told there is no way to escalate the issue. The IRS has confirmed that they have NOT received the returned funds, which indicates the refund is still being held by Credit Karma or its partner bank.…

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Debt Collector Name : CREDIT KARMA XXXX Debt Collector Address : XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am submitting this complaint to formally dispute information currently being reported on my consumer credit report that I believe to be inaccurate, unverifiable, and in violation of federal consumer protection laws. I do not acknowledge or accept responsibility for the alleged debt associated with the account referenced above. Despite this dispute, the account continues to be reported to consumer reporting agencies, which is negatively impacting my ability to obtain housing. Pursuant to my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c ( c ), I am formally disputing this alleged debt and requesting that the collector provide competent evidence demonstrating that the debt is valid and that I am legally obligated for the account. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C.…

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I applied for a loan through Credit Karma at XXXX. I didnt apply to any other loans and got a ton of emails, calls and texts this morning from all these companies saying I was approved and need to contact them. Many of them are very sketchy. I blame Credit Karma apparently selling my information to unknown third parties and afraid my info has been compromised

Credit Karma froze my account after disputing transactions that were not mine. I tried to transfer my money out to my normal bank and it wouldnt let me. Support would not unlock it for me to access the funds I need for living expenses urgently. They also told me it was sent to closure and could not tell me why or when I would get my money back. I need this money sooner than later. I will be calling their support again to request immediate disbursement via ACH.

I am filing this complaint because my Credit Karma Money account has been frozen for 7 days and I have been unable to access my funds. I was not given any meaningful explanation for the restriction. I have attempted multiple times to contact Credit Karma customer support regarding this issue. Each time, a case has been created but no one has responded or resolved the issue. My funds are currently being held in this account and I rely on access to them for everyday expenses such as transportation and basic living costs. Credit Karma has effectively blocked access to my own money without providing a clear explanation, timeline, or resolution. Customer support has not been able to assist me, and my inquiries have gone unanswered. I believe it is unreasonable and potentially unlawful for a financial service provider to restrict access to a consumers funds without timely communication or resolution. I am requesting immediate regulatory assistance to resolve this matter.

Ive had a Credit Karma spend account for a long time. I recently switched to using that account for my taxes and for my direct deposit. Between the dates of XX/XX/XXXX and XX/XX/XXXX I had numerous unauthorized charges on my account resulting in disputing XXXX separate transactions. It took nearly a week to actually speak with a representative and file my complaints. I asked for a supervisor to follow up with me after speaking with someone Monday morning. I have hard no one follow up regarding my disputes. I have tried to reach out thru chat, email, and phone. I was told, on the phone, I could receive a provisional credit within 10 days. The first several disputes I was able to do online have not had any movement and those were filed on XXXX. The rest were done over the phone. I want to be sure that I receive the follow up requests Ive asked for and that my money is safely returned. I have had a very bad experience over the last XXXX weeks trying to rectify this situation.

I opened a credit karma checking and savings account more than XXXX years ago. However, in the past few days, I have had trouble accessing my bank accounts and money from my pay checks sent to the accounts as direct deposits. I can only reach the company virtually as they don't have a toll free number or local usa customer support. They kept blaming the browser, the cache, software update XXXX asked me to use XXXX, XXXX or XXXX plus turn off XXXX. I dodnt use XXXX and I told then the same. In addition, they claimed the problem was my device so they asked me to use a different device which I did, a XXXX from my XXXX XXXX. They also said my verification codes went to my email which I never saw for over XXXX hours. To this momenr of writing this complaint, I still can't access my account. Please help me. I also tried accessing my accounts by calling the number on back of my debit card from CREDIT KARMA, but was told my account dodnt exist after entering last XXXX of my social.…

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Issue : URGENT FINANCIAL HARDSHIP / Regulation E Violation Complaint Details : I am filing this formal complaint against Credit Karma for a violation of Regulation E ( Electronic Fund Transfer Act ). Credit Karma is withholding my federal tax refund, which has resulted in an immediate and severe financial crisis. I am currently XXXX months behind on rent and facing a vehicle repossession due to an overdue note. Furthermore, my household 's primary income ( gig work ) has ceased because our vehicle is broken down and we lack the funds to repair it. I have spoken to over XXXX agents, explaining this extreme hardship. I have provided video evidence showing that even when using a split-screen to stay active in the chat while completing the verification, agents intentionally disconnect the session immediately after the system shows a " pass. '' This disregard for my presence in the chat and the repeated " reset '' of the process is a bad-faith denial of access to my funds.…

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Credit Karma presented me with XXXX loan offers through their platform that were labeled as pre-approved. XXXX offer was from XXXX and another was from XXXX XXXX. The XXXX offer displayed the Credit Karma Guarantee badge when it was presented to me. I clicked on the badge to read the terms and conditions, which state that if Credit Karma shows an offer with this badge and the consumer is denied after applying, the consumer may qualify for compensation under the Credit Karma Guarantee. Because the offer was presented as pre-approved and included the Credit Karma Guarantee badge, I reasonably relied on Credit Karmas representations when deciding to submit a loan application. When I applied through the Credit Karma platform, I was immediately denied by XXXX. There was also a strong preapproval listed for an unsecured loan with XXXX XXXX. I applied and was only approved for a secured vehicle title loan. This resulted in a hard inquiry on my credit report.…

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I disputed several unauthorized transactions on my Credit Karma XXXX account, I reported that I did not make or authorize these transactions. The company denied my dispute and stated that no error occurred, but they did not provide documentation showing how the transactions were verified as authorized. I requested the following information : Transaction authorization logs Merchant receipts or point-of-sale records PIN verification logs Any documentation used to determine that the transactions were authorized I also requested that the dispute be reopened because I believe the investigation was not conducted properly. During this process my account was closed and I was told a check was mailed for my remaining balance of {$1800.00}, leaving me without access to my funds while this dispute is ongoing. I am requesting that the company provide the documentation used to deny my dispute and conduct a proper investigation into the unauthorized transactions.…

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On XX/XX/XXXX I filled ( XXXX ) disputes for unauthorized charges on my Credit Karma Money XXXX checking account. The first day they rejected XXXX of the claims. They said I authorized the charges and that I acknowledged them through my device id. I knew with 100 % certainty that was incorrect and could easily prove otherwise. I sent XXXX an email with my device ID and phone type. I sent a police report along with it. They said they were doing an appeal multiple times with the new evidence but the disputes remained closed and they would never send confirmation of the appeal nor the reason for denial of the appeal, if it happened at all. I called XXXX today ( XX/XX/year> ) and the representative told me they would do ANOTHER appeal ( In my opinion they never did it in the first place ) and XXXX tired of it I need my money. This would me the XXXX appeal not counting the initial dispute. XX/XX/XXXX ( XXXX ) out of the ( XXXX ) disputes were approved.…

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They sent me a report that was not even a transaction close to the amount used on a XXXX purchase stating that a purchase minus a refund equaled the amount I supposedly authorized, but the transaction that was refunded was separate and only for two items equalling less than XXXX $ I immediately saw the fraudulent transaction XX/XX/year>. The transaction was to XXXX for XXXX but no purchase numbers were listed. It was made XX/XX/XXXX. I immediately disputed it and changed passwords and cancelled cards. A few days later I was sent an email stating I authorized the charge. This is false as I contacted XXXX who could not find any transaction matching that on my account and they could not violate policy to email my transactions or trace the account without a subpoena from the police. Around the XXXX of XXXX I called Credit Karma to make another appeal, this time on 3 way with the XXXX employees who's name was XXXX.…

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I am filing a formal complaint against Credit Karma regarding their handling of my account and lack of customer support. Ive never had an issue until now. I was able to log in to my account up until the EXACT day my tax refund became available in my account. Since then, I have been unable to access my account to activate the debit card and tax refund. XXXX didnt verify my identity BEFORE the funds were deposited, yet Now all of a sudden my identity cant be verified despite their 3rd party verification system telling me otherwise literally 50-60 times since XX/XX/XXXX! All so that I can activate my debit card. Ive used the chat, Ive called, Ive spoke with supervisors, Ive emailed with multiple case numbers ( XXXX, XXXX, XXXX ) being expedited with no avail. I just keep getting the same automated email response and their call center reading off of script like a broken record and then hung up on multiple occasions.…

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I filed my taxes XX/XX/XXXX or XXXX and I used XXXX. They were already charging me {$200.00} for the services and wanted to charge me another XXXX or {$40.00} just to send the money to my bank on top of the other fee for doing it. They said I could open a Credit Karma checking account and it would be free so I did that next thing I know my refund check is not able to be pulled out they forced me to go to the ATM over XXXX days to pull out money and the card wasnt working at every place that said it would work. They also opened a savings account without my consent I spoke with a XXXX on XX/XX/XXXX who said once I pulled all my money out just a call back and they can close the checking and savings account. I just called today XX/XX/year>, and the refusing to close my account saying they couldnt do it and they had to escalate it. I spoke with the XXXX who gave me a case number.…

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My account was cleaned out almost a week ago, and I was on hold for over XXXX hours trying to get it straightened out. On Sunday, the money was returned to my account. I went through and withdrew the maximum amount that CK will allow and transferred it to my actual bank because I will never use Credit Karma again. This has been the most horrific experience of my life. Shortly after I transferred my own money to my own account, CK closed the account and are now holding my remaining {$2500.00} XXXX. No phone call, no email, nothing. Every time I call in and try to speak to someone in escalations, I get put on hold for XXXX hours, XXXX hours, XXXX hours only to be told that the money is going be transferred to a bank account that has been closed for years. I am told that a member of the XXXX XXXX team will call me back and no one ever calls me back.…

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The company for the past XXXX months wants me to verify my identity. I have done this more than XXXX times and the system does not work. The company tells me they cant do anything about it. They have my money and I do not have access to it and they will not help me. They just keep saying verify your identity

My tax refund was transfer into a credit karma account.I was told that I had to Go through the process of verifying identity ( Through their mitek system ) to recover account.Their system told me many times that the IDs were accepted but the business ( credit karma ) refused to accept it, stating that they could not read it on their side.They said they were going to escalate the problem to get into my account. Where then I was told to get " better Forms of ID '' .. ( I had a GA state ID that just came through the mail ) ... if I expect it to work.I tried many times to work their steps I was left with out a solution.They refused to show the funds and further locked the account and when asked to close the account and send money back to IRS . They refused and say they don't have the authority to authorize said thing .They have decided to keep the money. I have proof of a joke, that they will keep the money, '' safe from me '' while I figure this out ..…

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I hold both a Checking and Savings account with Credit Karma. Approximately XXXX weeks ago, Credit Karma froze both of my accounts without providing any prior notice or explanation. Since then, I have made multiple attempts to understand why my accounts were frozen and to resolve the issue. Despite numerous callsduring which I have waited up to XXXX hours per callI have been unable to reach anyone from the resolution team. My funds remain inaccessible, and I am unable to use or withdraw them. This situation has caused significant inconvenience and financial hardship, and I am seeking immediate assistance to restore access to my accounts. Best Regards, XXXX XXXX XXXX

In XX/XX/year>, I began contacting Credit Karma regarding an authentication issue preventing me from accessing my Credit Karma Money account. My phone number is currently attached to a different users account in their system. Because of this, I am unable to complete identity verification and log in to access my funds, including a recently deposited tax refund. I have verified my identity multiple times through customer support and have been provided multiple case numbers. Representatives have confirmed that : The issue is internal. A separate team must remove my phone number from the other account. My case is pending review. No specific timeframe can be provided. Despite repeated contact and escalation requests, the issue remains unresolved. I requested a concrete timeline and written confirmation of escalation but was told only to wait for another department due to high case volume. This has prevented me from accessing my funds and managing my account.…

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I have a checking and savings account at credit karma. I changed my phone number back in XXXX of last year which made it impossible to access my account. They ask for all my personal information to confirm my identity like birthday, full social security number and my email address on file which I had to confirm access to. They tell me I have to submit documents to confirm my identity before they will change my number and allow me access to my account. I started the first verification process on XXXX and I have submitted pictures of my id over XXXX different times. There verification service tells me that the verification is successful but they always tell me there is a problem with your documents. The pictures are perfectly clear and readable. They literally can not get any better. My paycheck goes into this account every week and I just withdrawal through XXXX XXXX or XXXX.…

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