Stay away and never use their Savings account! You will have long delays getting your money out. They entice you with a short-term high interest rate, but when it ends and you want your money out there are significant delays!
I can't even begin to explain just how terrible CK is. A disastrous show of a company. They've wronged me on multiple occasions. Whatever you do - ABSOLUTELY DO NOT fall for opening a CK spend/save/builder account with them. I did, simply because it said it would raise my score. I set up auto payments of $20 for each time I got paid to go into that account. They took $20 four times, and NOTHING ever showed in my CK account. It was still sitting at $0. My score never increased (obviously), and I had to dispute charges with my bank, who confirmed the discrepancies and was able to refund me my money. I still have no idea where that money ever went because CK couldn't supply me with an actual answer. Fast forward several months later now, and I'm receiving notifications that I have CK builder/save account payments due. It flagged as late and has now dropped my score 40 points even though there is NO account any longer to make payments to. It's been closed. I have a case closure number and all. I tried chatting with someone about it on the CK help center - they unprofessionally ended the chat mid-conversation after I expressed my frustration and concern with how it affected my score and how poorly they're conducting business. To say I'm angry is an understatement. These people are awful.
I have not been able to log into my account for over a half a year. All I have changed was my phone number the software they use to verify my identity does not work properly two months I’ve been trying to log into my account. I have eliminated all variables on my end. I got a brand new phone brand new device brand new phone number ID Took pictures of my ID outside inside manually auto capture everything they’ve told me for the past two months and it still rejects my identity I was able to no problem. Use TurboTax and log into the IRS with my new device. You cannot contact anybody by phone. It’s all through Chatbot and a chat text And they give you cookie cutter answers with complex situations. It’s been a horrible experience. I still can’t log into my account I’ve done everything above and beyond my end to eliminate any type of variable it’s not an operator error on this. It is a software issue and they have nobody to talk to horrible experience. Stay away stay away
Filled taxes way before the deadline and have waited longer than anyone else in the world and still haven’t got them… credit karma delays the process, do not in any way use them unless you want to wait forever.
Straight up liars. They gave literally everyone in America their refund early and somehow because I was a customer for like 10 years and got an advance the option wasn't given to me. CK is only alive because of all the early this and early that and let me tell you from direct deposit to to taxes their absolute liars. Draining this account after my deposits like Trump drains a swamp and using Chime from here on out. Hope holding that refund until the 7:30 PM of the day on my transcript was worth it.
Horrific customer service juat to help me login. I am done with this stupid service. It is notnworth the hassle.
Terrible company. No customer support number. Request more personal information than a secret security background check, and still could not create an account. I am convinced they are phishing for personal data.
One star is too many. Credit Karma is a scam. I went to get a refund advance which I might add, I truly didn’t even need… they just guaranteed approval. Then they told me that I was denied, because I didn’t “finish the application” which was nothing except “it needed to be approved first” which it WAS approved. They also said 5 days early, which is a crock of crap. IRS website says my deposit date is 2/25. It’s 2/23, I paid my fees up front, no advance and STILL don’t have my deposit. If I had used my bank account I would have had my money on Saturday. Please do not fall for their scams. I’ve always used TT and never any issue but CK is a scam and I’ll have to pay them to move it to my bank. They basically are out here scamming people, telling lies to get people to use them just so they can get your money. I will absolutely never use them.AGAIN, I want to clarify that Turbo tax is incredible, never any issue with them. The issue is with CREDIT KARMA. They are a scam. Just don’t!
If I could give it zero stars I would ! Very unnerving service they do not know what they’re doing ! It this is the service I paid to get my tax refund earlier than 5 days nothing at all !! If the business is saying they sent it to Credit Karma and it’s not yet in the account then something or some is stealing or there is a false narratives! Never using credit karma again, and I’ll be sure to let all the tax payers know .
Credit Karma sucks advertise tax return this is the longest I ever received my return the only reason I dealt with them because they said I qualify for advance that I never got and requested I was supposed to receive 5 days that was a lie I would never use them for anything again this is the first time I use my account for my taxes and this is the last time I'm telling you guys do not do it and waste your time my money been hold up for days I always had my money by my birthday which is February 22nd never again
I have used turbotax for over a decade for my taxes. the last few years they have been using their credit karma product instead of direct deposit as the free option to get your taxes back. I WILL NEVER use this method again NEVER not only did the turbotax software screw me out of money by forcing me to file as single instead of head of household, creditkarma wont allow my purchases at stores that are well known and viral on social media. Literally the stores have higher ratings than turbotax or creditkarma. NORMALLY with a bank, when the bank flags a transaction the customer is allowed to authorize the transaction anyway, not with credit karma. and the person i spoke to was like, just use a different card. i dont have another card. just use venmo or cash app. i dont have those either. just use apple pay, I DID USE APPLE PAY, YOU STILL DECLINED THE TRANSACTION! I am literally just trying to buy freaking bras and underwear!!! and this dumb pam lady says, just use instant transfer repeatedly after I have told her 4 times that instant transfer would cost me $21 to move my money. WHICH IS INSANE. AND HERE'S THE KICKER, IT WOULDNT LET ME MOVE MY MONEY TO MY APPLE PAY EITHER!!!!!! I HATE THESE PEOPLE. Never again will my money ever touch an intuit product. i would rather do my taxes with a pencil like i used to and get direct deposit than EVER allow any intuit product to grace my presence ever again.
Twice in two months I’ve received notification from loan companies saying that I had applied for loans. These were loan offers that my CK account showed. I did not apply for these loans. Anytime you view loan offers, they send the company your application. They say it does not impact your credit rating but it does on some level.
I had to complete an ID verification with customer service three separate times, on the same day. Each time I needed to perform an action, they claimed to have no record of me having just completed the verification process.
Credit Karma takes your money, but offers absolutely no support. Customer Service is a joke, a bad joke. Rude snd incompetent staff.Better interest rates can be found elsewhere. They call customers liars!
For the most part, I have had a good experience with them. They have decent interest rates and a decent app. However, after attempting to link an account and withdraw money failed while I was out of town without internet access, they suddenly closed my account just over a week after locking it without answer why the account was locked or why it was subsequently closed.
Since Credit Karma has been privy to every aspect of my adult life for the last 20 years, I figured this would be a no brainer. Complete waste of time and effort. Applied for a small debt consolidation loan through Credit Karma via Lending Club to avoid some higher credit card interest rates. Over a period of two weeks, I was asked to submit the same documents several times. So I did. Nothing happened. I would call and hear a different excuse. Each time I asked to speak with someone who may have actually glanced at my file, I was told they don't do that. So who's actually working on this? Long story short, each phone call ended the same, with a request to be contacted directly, which I never was. This phantom business outsources everything through call centers and puts you in touch with people that have no comprehension of what's going on. Asking for personal and financial information over the phone, and unable to resolve any issues. They asked for documents that did not pertain to my situation, and when informed about it, they would say they made a note in the file. Fast forward over two weeks, and they email me stating they are unable to find a partner that will fulfill the request. Credit Karma states that this was a guaranteed approval or they will give you $50.00 based on having all my financials lined up already. So I figure at least I can go have a nice meal to make up for the inconvenience. Nope, Credit Karma states that Lending Club shows the loan was approved at or better rate than applied for! HA! This is a joke. When pressed through the help chat they want to see a copy of the adverse action notice, which is not a document that can be saved. So I had to print it, scan it, submit it, and then wait for Credit Karma chat help to escalate it to a real person.
Credit karma they are the biggest scam in thieves I have met in my life. I had a card with him in to fraud transactions came in and they deny my dispute. Spend days battling them on the issue dated nothing I lost my money for purchases done 1700 miles away from me in another state, Credit Karma did not care whatsoever. Customer Service is horrible and when they don’t like what you tell them they go ahead and hang the call on you. The worst I’ve ever seen in my life I would never ever invest not even ascent in this company and I hope the company goes down the drain. I hope they go bankrupt plus they don’t even give you a good credit score because they don’t even go through file. They have their own little stupid score. That’s not worth anything and all the cards offered are medium to mediocre at best.
Skip to main contentSubmit to RedditOpen menuGo to Reddit AnswersExpand searchCreate postOpen inboxUser AvatarExpand user menuCreate a crosspostDraftsSelIntuit Credit KarmaCredit Karma is running a scam about lowering auto loan rates. With my excellent credit, they showed I could lower my interest rate from 7.49% to 3.46%. They showed this offer for a current loan on a used truck that they have on my account. So I chose one of the recommended refi companies. They came back with a higher interest rate than I already have, but increased the loan by 10 months so the payment would go down by $3.00 a month. What a joke and a waste of time. Also, a hard check on my credit had to be run, so now my credit rating takes a hit. Beware of this so called service!
I attempted to resolve an issue of identity theft no less than a dozen times with this company and they couldn't understand the problem or were too lazy to attempt to help. I filed a police report and they refused to help identify credit/identity theft with law enforcement.
A merchant charged my checking account 15 times overnight between the hours of 2:00 and 4:00 in the morning, totaling over $700. When I called to have the situation rectified, credit karma told me the whole situation has to go under investigation which took weeks. After the investigation they informed me that they will not be crediting my account and I will have to deal with the merchant directly. Then without my knowledge they cancel my debit card and terminate my account all together. Stating that their system had scored my account as being high risk. I explained that I had already filed my tax returns and they are to be deposited into that account. Credit karma basically told me there's nothing they can do once the system makes that decision and that any funds that are received will be sent to me in a paper check. Do not use this company, any fraud that happens on their watch will not be compensated for. And they can cancel your checking account at any time, without even giving you any type of explanation. Do not work with this company you will regret it.
